/* ── RESET & BASE ─────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  /* Brand colors */
  --navy:       #10123f;
  --navy-mid:   #232886;
  --navy-light: #1c206d;
  --blue:       #424CF2;
  --blue-hover: #3540d0;
  --green:      #4cd560;
  --gold:       #ceac45;
  --gold-dark:  #7a6506;   /* AA-compliant gold for stars on light bg */
  --white:      #ffffff;
  --off-white:  #F5F5FA;
  --gray:       #A8AAC6;   /* decorative/muted only */
  --body:       #4b5563;   /* AA-compliant body text (ratio 7.0 on white) */
  --gray-light: #DFDDE6;
  --text:       #111111;

  /* Typography */
  --font:       'Hind', system-ui, sans-serif;
  --font-serif: 'Charis SIL', Georgia, serif;

  /* Spacing scale: 8 / 16 / 24 / 32 / 48 / 64 / 96 */
  --sp-1: 8px;
  --sp-2: 16px;
  --sp-3: 24px;
  --sp-4: 32px;
  --sp-5: 48px;
  --sp-6: 64px;
  --sp-7: 96px;

  /* UI */
  --radius:     8px;
  --radius-lg:  16px;
  --shadow:     0 4px 24px rgba(0,0,0,.12);
  --shadow-lg:  0 12px 48px rgba(0,0,0,.2);
  --transition: .25s ease;

  /* Max content width */
  --max-w: 1160px;
}

html { scroll-behavior: smooth; overflow-x: hidden; }

/* ── CTA PAIR ─────────────────────────────────────────────────────────────── */
.cta-pair { display: flex; flex-wrap: wrap; gap: 1rem; align-items: center; }
.cta-pair--center { justify-content: center; }
.mt-3 { margin-top: var(--sp-3); }
body {
  font-family: var(--font);
  font-size: 16px;           /* #1 — 16px minimum body text */
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

/* Consistent container — #4 alignment fix */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--sp-3); }

/* Typography scale — #1 & #3 */
h1 { font-family: var(--font-serif); font-size: clamp(2.1rem, 4.5vw, 3.4rem); font-weight: 600; line-height: 1.15; }
h2 { font-family: var(--font-serif); font-size: clamp(1.8rem, 3.2vw, 2.6rem); font-weight: 600; line-height: 1.2; }
h3 { font-size: 1.2rem; font-weight: 600; line-height: 1.35; }
h4 { font-size: 1.05rem; font-weight: 600; }
p  { font-size: 1rem; line-height: 1.7; }  /* #1 — 16px min, 1.7 line-height */

.eyebrow {
  font-size: .78rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--blue);
  margin-bottom: var(--sp-2); display: block;
}
.eyebrow--light  { color: rgba(255,255,255,.65); }
.eyebrow--center { text-align: center; }
.section-title   { text-align: center; margin-bottom: var(--sp-2); }
.section-title--light { color: var(--white); }
.section-sub     { text-align: center; color: var(--body); max-width: 640px; margin: 0 auto var(--sp-5); font-size: 1.05rem; line-height: 1.7; }
.section-sub--light { color: rgba(255,255,255,.75); }
.text-center     { text-align: center; }
.mt-3            { margin-top: var(--sp-5); }
.cta-sub         { margin-top: var(--sp-2); font-size: .95rem; color: var(--body); }
.cta-sub a       { color: var(--blue); font-weight: 600; }

/* ── BUTTONS — #5 distinct hierarchy, 48px height ─────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: .5rem;
  padding: .85rem 2rem;          /* ~48px height */
  border-radius: 50px;
  font-weight: 700; font-size: 1rem; cursor: pointer;
  border: 2px solid transparent;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
  min-height: 48px;              /* #5 — 48px minimum */
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,.2); }
.btn--primary { background: var(--blue); color: var(--white); }
.btn--primary:hover { background: var(--blue-hover); }
.btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.55); }
.btn--ghost:hover { background: rgba(255,255,255,.12); border-color: var(--white); }
/* Phone CTA — white pill with navy text, high contrast, always reads as callable */
.btn--phone {
  background: var(--white); color: var(--navy);
  border: 2px solid var(--white);
  font-weight: 700; font-size: 1rem;
  box-shadow: 0 2px 12px rgba(0,0,0,.15);
}
.btn--phone:hover { background: var(--off-white); border-color: var(--off-white); color: var(--navy-mid); }
/* Phone CTA on light backgrounds (fees section etc.) */
.fees .btn--phone, .comparison .btn--phone, .why .btn--phone {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}
.fees .btn--phone:hover, .comparison .btn--phone:hover, .why .btn--phone:hover {
  background: var(--navy-mid); border-color: var(--navy-mid);
}
.btn--dark { background: var(--navy); color: var(--white); }
.btn--dark:hover { background: var(--navy-mid); }
.btn--outline { background: var(--white); color: var(--navy); border-color: var(--gray-light); }
.btn--outline:hover { border-color: var(--navy); }
.btn--lg { padding: 1rem 2.5rem; font-size: 1.05rem; }
.btn--full { width: 100%; }

/* ── NAV — #6 larger nav, more spacing ────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: #ffffff;
  box-shadow: 0 2px 12px rgba(0,0,0,.08);
  border-bottom: 1px solid var(--gray-light);
}
.nav__inner { display: flex; align-items: center; gap: 2rem; height: 72px; }  /* #6 taller nav */
.nav__logo { font-size: 1.3rem; font-weight: 900; letter-spacing: -.02em; flex-shrink: 0; }
.logo-block { color: var(--navy); }
.logo-trust { color: var(--blue); }
.logo-mark  { color: var(--blue); margin-left: 1px; font-size: .6em; vertical-align: super; }
.nav__phone { display: flex; flex-direction: column; margin-left: auto; }
.nav__phone-label { font-size: .7rem; color: var(--body); text-transform: uppercase; letter-spacing: .1em; }
.nav__phone-num { font-size: 1rem; font-weight: 700; color: var(--navy); }
.nav__phone-num:hover { color: var(--blue); }
/* Nav phone as a pill button */
.nav__actions { display: flex; align-items: center; gap: .75rem; margin-left: auto; }
.nav__phone-btn {
  display: flex; align-items: center; gap: .6rem;
  background: var(--navy); color: var(--white);
  padding: .5rem 1.1rem; border-radius: 50px;
  text-decoration: none; margin-left: auto;
  transition: background var(--transition), box-shadow var(--transition);
  box-shadow: 0 2px 8px rgba(16,18,63,.2);
  flex-shrink: 0;
}
.nav__phone-btn:hover { background: var(--navy-mid); box-shadow: 0 4px 16px rgba(16,18,63,.3); }
.btn--sm { height: 38px !important; padding: 0 1rem !important; font-size: .85rem !important; border-radius: 6px !important; }
.nav__phone-icon { font-size: 1rem; }
.nav__phone-inner { display: flex; flex-direction: column; }
.nav__phone-label { font-size: .65rem; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: .1em; line-height: 1; }
.nav__phone-num { font-size: .95rem; font-weight: 700; color: var(--white); line-height: 1.3; }
.nav__links { display: flex; gap: 2rem; }   /* #6 more gap */
.nav__links a { color: var(--text); font-size: .95rem; font-weight: 500; transition: color var(--transition); padding: .25rem 0; }  /* #6 larger, more hit area */
.nav__links a:hover { color: var(--blue); }
.nav__cta { flex-shrink: 0; }
.nav__hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; margin-left: auto; }
.nav__hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; }
.nav__mobile { display: none; flex-direction: column; gap: 1.25rem; padding: 1.5rem 24px 2rem; background: #ffffff; border-top: 1px solid var(--gray-light); }
.nav__mobile a { color: var(--text); font-weight: 500; font-size: 1rem; }
.nav__mobile-phone { font-size: 1.15rem; font-weight: 700; color: var(--navy) !important; }
.nav__mobile.open { display: flex; }

/* ── HERO — #7 #8 #9 #10 #11 #12 ─────────────────────────────────────────── */
.hero__eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: var(--sp-2); opacity: .9; }
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  overflow: hidden; padding: 104px 0 72px;   /* #9 more breathing room */
  background: var(--navy);
}
.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 30% 50%, rgba(66,76,242,.2) 0%, transparent 70%),
    radial-gradient(ellipse 50% 40% at 80% 30%, rgba(76,213,96,.07) 0%, transparent 60%),
    url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero__inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 440px; gap: 4rem; align-items: start;
}
.hero__badge { display: flex; align-items: center; gap: 1rem; margin-bottom: var(--sp-3); flex-wrap: wrap; }
.badge-seal {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  width: 72px; height: 72px; border-radius: 50%;
  background: linear-gradient(135deg, #a07820, var(--gold), #a07820);
  flex-shrink: 0; padding: 8px; text-align: center; box-shadow: 0 0 20px rgba(206,172,69,.4);
}
.badge-seal--sm { width: 56px; height: 56px; }
.badge-year   { font-size: .6rem; font-weight: 800; color: var(--navy); line-height: 1; }
.badge-winner { font-size: .55rem; font-weight: 900; color: var(--navy); text-transform: uppercase; line-height: 1.2; }
.badge-comp   { font-size: .42rem; font-weight: 700; color: var(--navy); text-transform: uppercase; line-height: 1.2; }
.badge-text   { font-size: .78rem; font-weight: 600; color: rgba(255,255,255,.7); letter-spacing: .04em; text-transform: uppercase; }
.hero__content h1 { color: var(--white); margin-bottom: var(--sp-3); }
/* #7 — larger, more readable hero sub */
.hero__sub { color: rgba(255,255,255,.82); font-size: 1.1rem; line-height: 1.7; margin-bottom: var(--sp-4); max-width: 520px; }
/* #8 — more spacing between CTA actions */
.hero__actions { display: flex; gap: 1.25rem; flex-wrap: wrap; margin-bottom: var(--sp-2); }
.hero__micro { color: rgba(255,255,255,.5); font-size: .85rem; margin-bottom: var(--sp-4); font-weight: 500; }
.hero__fit { font-size: .9rem; color: rgba(255,255,255,.75); margin: .5rem 0 1rem; padding: .6rem 1rem; background: rgba(255,255,255,.08); border-left: 3px solid var(--green); border-radius: 4px; line-height: 1.5; }
/* Hero proof points — quick trust signals near CTA */
.hero__proof {
  display: flex; gap: 1.25rem; flex-wrap: wrap;
  margin-bottom: var(--sp-3); margin-top: -.5rem;
}
.hero__proof span {
  font-size: .88rem; color: var(--green); font-weight: 600;
  display: flex; align-items: center; gap: .3rem;
}
/* #9 — trust bar with more padding */
.hero__trust {
  display: flex; align-items: center; flex-wrap: wrap;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius); padding: 1.25rem 1.5rem;
  gap: 0;
}
.trust-item { display: flex; flex-direction: column; align-items: center; padding: 0 1.5rem; }  /* #9 more padding */
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child  { padding-right: 0; }
.trust-num   { font-size: 1.45rem; font-weight: 700; color: var(--white); }  /* #9 larger number */
.trust-label { font-size: .72rem; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: .06em; margin-top: 4px; font-weight: 500; }  /* #9 more visible label */
.trust-divider { width: 1px; height: 40px; background: rgba(255,255,255,.2); }

/* ── FORM CARD — #10 #11 #12 ──────────────────────────────────────────────── */
.hero__form-wrap { position: sticky; top: 92px; }
.form-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: 0 16px 56px rgba(0,0,0,.3); overflow: hidden;  /* #12 slightly less heavy */
}
.form-card__bonus {
  background: var(--navy-mid); padding: var(--sp-3) var(--sp-3); text-align: center;
}
.bonus-label {
  display: inline-block; background: var(--blue); color: var(--white);
  font-size: .7rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; padding: .3rem .85rem; border-radius: 50px; margin-bottom: var(--sp-1);
}
.form-card__bonus p { color: rgba(255,255,255,.9); font-size: .95rem; margin-bottom: var(--sp-1); }  /* #10 larger */
.form-card__bonus strong { color: var(--white); }
.form-card__phone-btn { width: 100%; justify-content: center; margin-top: .5rem; }
.form-card__phone {
  color: var(--white) !important;
  font-weight: 700;
  font-size: 1rem;
  background: rgba(255,255,255,.12);
  border: 1.5px solid rgba(255,255,255,.35);
  border-radius: 50px;
  padding: .35rem 1rem;
  display: inline-block;
  margin-top: .25rem;
  transition: background var(--transition);
}
.form-card__phone:hover { background: rgba(255,255,255,.22); }
.form-card__guide {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: var(--sp-3) var(--sp-3); text-align: center;
}
.guide-cover { display: inline-block; }
.guide-year { font-size: .7rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.55); display: block; margin-bottom: .3rem; }
.guide-cover h4 { color: var(--white); font-size: 1.15rem; font-weight: 700; line-height: 1.3; }
/* #10 more breathing room in form */
.lead-form { padding: var(--sp-3); }
.lead-form h3 { display: none; }
/* #11 normalized form rows */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-2); }
.form-group { display: flex; flex-direction: column; gap: .4rem; margin-bottom: var(--sp-2); }  /* #10 more gap */
.form-group label { font-size: .85rem; font-weight: 600; color: var(--navy); }  /* #11 larger labels */
.req { color: var(--blue); }
/* #11 normalized input heights */
.form-group input, .form-group select, .form-group textarea {
  padding: .75rem 1rem; border: 1.5px solid var(--gray-light);
  border-radius: var(--radius); font-family: var(--font);
  font-size: 1rem; color: var(--text); background: var(--white);
  transition: border-color var(--transition); outline: none;
  min-height: 48px;  /* #5 consistent height */
}
.form-group input:focus, .form-group select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(66,76,242,.1); }
.form-group textarea { min-height: 80px; resize: vertical; }
/* #10 collapsible legal disclosure — less visual weight, still compliant */
.form-legal-wrap { margin-top: var(--sp-2); }
.form-legal-summary { font-size: .78rem; color: var(--body); cursor: pointer; list-style: none; line-height: 1.5; }
.form-legal-summary::-webkit-details-marker { display: none; }
.form-legal-summary a { color: var(--blue); }
.form-legal-summary span { color: var(--blue); font-weight: 600; }
.form-legal { font-size: .7rem; color: #6b7280; line-height: 1.6; margin-top: .5rem; padding: .75rem; background: #f9fafb; border-radius: 6px; border: 1px solid var(--gray-light); margin-bottom: 0; }
.form-legal a { color: var(--blue); }
.form-call { font-size: .82rem; color: var(--body); text-align: center; margin-top: var(--sp-1); }
.form-call a { color: var(--blue); font-weight: 600; text-decoration: none; }
.form-next { background: #f0f4ff; border: 1px solid #d0d8f8; border-radius: 8px; padding: 1rem 1.25rem; margin-top: 1rem; }
.form-next__title { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--navy); margin-bottom: .5rem; }
.form-next__steps { margin: 0; padding-left: 0; list-style: none; display: flex; flex-direction: column; gap: .35rem; }
.form-next__steps li { font-size: .85rem; color: var(--body); line-height: 1.5; }
.form-success { text-align: center; padding: 2rem 1.25rem; }
.success-icon {
  width: 56px; height: 56px; background: var(--green); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--white); margin: 0 auto var(--sp-2);
}
.form-success h4 { color: var(--navy); margin-bottom: .5rem; font-size: 1.1rem; }
.form-success p  { color: var(--body); font-size: 1rem; }
.form-success a  { color: var(--blue); font-weight: 600; }

/* ── PRESS — #13 larger, more distinct ────────────────────────────────────── */
.press { background: var(--off-white); padding: 2rem 0; border-bottom: 1px solid var(--gray-light); }
.press__inner { display: flex; flex-direction: column; align-items: center; gap: 1.25rem; }
.press__label { font-size: .72rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--body); }
.press__logos {
  display: flex; gap: 3rem; flex-wrap: wrap;
  align-items: center; justify-content: center;
}
.press__logo-wrap {
  display: flex; align-items: center;
  color: #4b5563; opacity: .75;
  transition: opacity var(--transition);
  text-decoration: none;
}
.press__logo-wrap:hover { opacity: 1; }
.press__logo-wrap svg { display: block; height: 28px; width: auto; }

/* ── QUICK TRUST — #13 clearer grouping ───────────────────────────────────── */
.quick-trust { padding: var(--sp-5) 0; background: var(--white); border-bottom: 1px solid var(--gray-light); }
.quick-trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-3); }
.qt-item { display: flex; align-items: flex-start; gap: var(--sp-2); padding: var(--sp-2); border-radius: var(--radius); }  /* #13 added padding */
.qt-icon { font-size: 1.6rem; flex-shrink: 0; }
.qt-item strong { display: block; font-size: 1rem; color: var(--navy); margin-bottom: .2rem; }  /* #13 larger */
.qt-item span   { font-size: .9rem; color: var(--body); line-height: 1.5; }  /* #13 larger */

/* ── COMPARISON — #14 #15 ─────────────────────────────────────────────────── */
.comparison { padding: var(--sp-7) 0; background: var(--off-white); }
.comparison__bars { display: flex; flex-direction: column; gap: 1.5rem; max-width: 720px; margin: 0 auto var(--sp-3); }
.comp-bar { display: flex; align-items: center; gap: 1.5rem; }
.comp-bar__fill {
  height: 56px; border-radius: 6px; display: flex; align-items: center;  /* #14 taller bars */
  justify-content: flex-end; padding-right: 1rem; min-width: 60px;
  transition: width 1s ease;
}
.comp-bar__fill--btc { background: linear-gradient(90deg, var(--blue), var(--green)); flex: 1; }
.comp-bar__fill--sp  { background: linear-gradient(90deg, #6b7280, #9ca3af); flex: 0.25; }
.comp-bar__fill--sav { background: linear-gradient(90deg, #d1d5db, #e5e7eb); flex: 0.03; }
.comp-bar__pct { font-size: .9rem; font-weight: 800; color: var(--white); }  /* #14 larger */
.comp-bar__fill--sav .comp-bar__pct { color: var(--body); }
.comp-bar__label { min-width: 200px; }
.comp-bar__label strong { display: block; font-size: 1rem; color: var(--navy); }  /* #14 larger */
.comp-bar__label span   { font-size: .9rem; color: var(--body); }  /* #14 larger */
.comparison__disc { font-size: .82rem; color: var(--body); text-align: center; max-width: 600px; margin: 0 auto; }  /* #14 */

/* ── PROBLEM — #16 #17 ────────────────────────────────────────────────────── */
.problem { padding: var(--sp-7) 0; background: var(--white); }
.problem__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.problem__text h2 { margin-bottom: var(--sp-3); }
.problem__text p  { color: var(--body); margin-bottom: var(--sp-2); font-size: 1.05rem; line-height: 1.75; }  /* #17 larger, more line-height */
.problem__text blockquote {
  border-left: 3px solid var(--blue); padding-left: 1.5rem;
  font-style: italic; font-size: 1.15rem; color: var(--navy-mid);  /* #17 larger */
  font-weight: 600; margin-top: var(--sp-3); line-height: 1.6;
}
/* #16 clock card less heavy */
.clock-card {
  background: var(--navy); border-radius: 20px; padding: var(--sp-5) var(--sp-4);
  text-align: center; box-shadow: var(--shadow-lg);
}
.clock-face {
  width: 150px; height: 150px; border: 3px solid rgba(255,255,255,.2);  /* #16 slightly larger */
  border-radius: 50%; margin: 0 auto var(--sp-3); position: relative;
  display: flex; align-items: center; justify-content: center;
}
.clock-hand { position: absolute; bottom: 50%; left: 50%; transform-origin: bottom center; background: var(--white); border-radius: 4px; }
.clock-hand--hour { width: 4px; height: 38px; transform: translateX(-50%) rotate(90deg); }
.clock-hand--min  { width: 3px; height: 52px; transform: translateX(-50%) rotate(0deg); background: var(--blue); }
.clock-center { width: 10px; height: 10px; background: var(--green); border-radius: 50%; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); z-index: 2; }
.clock-label { position: absolute; bottom: 22px; left: 50%; transform: translateX(-50%); font-size: .78rem; font-weight: 700; color: rgba(255,255,255,.55); letter-spacing: .08em; }
.clock-caption { color: rgba(255,255,255,.82); font-size: 1rem; line-height: 1.6; }  /* #17 more visible */

/* ── HOW IT WORKS — #18 #19 #20 ──────────────────────────────────────────── */
.how {
  padding: var(--sp-7) 0;
  background: linear-gradient(rgba(16,18,63,.88), rgba(16,18,63,.88)),  /* #20 more opaque overlay */
    url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80') center/cover no-repeat;
  background-color: var(--navy);
}
/* #18 more spacing between steps */
.steps { display: flex; align-items: flex-start; margin: var(--sp-5) 0 var(--sp-5); }
/* #19 more padding, equal height cards */
.step { flex: 1; background: var(--white); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-3); box-shadow: 0 2px 16px rgba(0,0,0,.1); text-align: center; }
.step__num { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; font-weight: 700; margin: 0 auto var(--sp-2); }  /* #18 larger */
.step h3 { margin-bottom: .35rem; color: var(--navy); font-size: 1.15rem; }
.step__outcome { font-size: .95rem; font-weight: 600; color: var(--blue); font-style: italic; margin-bottom: .5rem; display: block; }
.step p  { color: var(--body); font-size: 1rem; line-height: 1.7; }
.step__connector { width: 60px; height: 2px; background: linear-gradient(90deg, var(--blue), var(--green)); flex-shrink: 0; margin-top: 5.5rem; opacity: .5; }
.how__cta { text-align: center; }
.how .section-title { color: var(--white); }
.how .eyebrow { color: rgba(255,255,255,.7); }
.how .cta-sub { color: rgba(255,255,255,.6); font-size: 1rem; }  /* #2 more visible */
.how .cta-sub a { color: var(--blue); }

/* ── ANIMUS — #21 #22 ─────────────────────────────────────────────────────── */
.animus { padding: var(--sp-7) 0; background: var(--navy); overflow: hidden; }
.animus__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.animus__visual { display: flex; flex-direction: column; align-items: center; gap: var(--sp-4); }
.animus__orb { position: relative; width: 220px; height: 220px; display: flex; align-items: center; justify-content: center; }  /* #21 larger */
.orb-ring { position: absolute; border-radius: 50%; border: 1px solid rgba(66,76,242,.4); animation: orbPulse 3s ease-in-out infinite; }
.orb-ring--1 { width: 100%; height: 100%; animation-delay: 0s; }
.orb-ring--2 { width: 75%;  height: 75%;  animation-delay: .5s; border-color: rgba(66,76,242,.6); }
.orb-ring--3 { width: 50%;  height: 50%;  animation-delay: 1s;  border-color: rgba(66,76,242,.8); }
@keyframes orbPulse { 0%,100%{opacity:.4;transform:scale(1)} 50%{opacity:1;transform:scale(1.04)} }
.orb-core {
  position: relative; z-index: 2;
  background: linear-gradient(135deg, var(--blue), var(--navy-mid));
  border-radius: 50%; width: 100px; height: 100px;  /* #21 larger */
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  box-shadow: 0 0 40px rgba(66,76,242,.5);
}
.orb-core span  { color: var(--white); font-weight: 800; font-size: .85rem; letter-spacing: .1em; }
.orb-core small { color: rgba(255,255,255,.65); font-size: .65rem; letter-spacing: .15em; }
.animus__stats-row { display: flex; gap: var(--sp-4); }
.animus__stat { text-align: center; }
.stat-num   { display: block; font-size: 2rem; font-weight: 800; color: var(--green); }  /* #21 larger */
.stat-label { font-size: .82rem; color: rgba(255,255,255,.65); text-transform: uppercase; letter-spacing: .06em; font-weight: 500; }  /* #21 more visible */
.animus__stat--muted .stat-num { color: rgba(255,255,255,.45); font-size: 1.4rem; }
.animus__text h2 { color: var(--white); margin-bottom: var(--sp-3); }
.animus__text p  { color: rgba(255,255,255,.78); margin-bottom: var(--sp-2); font-size: 1.05rem; line-height: 1.75; }  /* #22 more readable */

/* ── WHY BLOCKTRUST — #23 #24 ─────────────────────────────────────────────── */
.why { padding: var(--sp-7) 0; background: var(--white); }
.why__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-3); margin-bottom: 0; }
.why-card {
  background: var(--off-white); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-3);  /* #23 more padding */
  border: 1px solid var(--gray-light); transition: box-shadow var(--transition), transform var(--transition);
}
.why-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.why-card__icon { font-size: 2.2rem; margin-bottom: var(--sp-2); }  /* #24 larger icon */
.why-card h3 { margin-bottom: var(--sp-1); color: var(--navy); font-size: 1.15rem; }  /* #23 larger */
.why-card p  { color: var(--body); font-size: 1rem; line-height: 1.7; }  /* #23 16px */
.why-card--award { display: flex; flex-direction: column; align-items: flex-start; }
.why-card--award .badge-seal { margin-bottom: var(--sp-2); }

/* ── FEES — #25 #26 #27 ───────────────────────────────────────────────────── */
.fees { padding: var(--sp-7) 0; background: var(--off-white); }
.fees__table-wrap { overflow-x: auto; margin: 0 0 var(--sp-3); border-radius: 12px; box-shadow: var(--shadow); }
.fees__table { width: 100%; border-collapse: collapse; font-size: 1rem; }  /* #25 16px table text */
.fees__table thead tr { background: var(--navy); color: var(--white); }
.fees__table th { padding: 1.1rem 1.75rem; text-align: left; font-weight: 700; font-size: .88rem; letter-spacing: .04em; text-transform: uppercase; }  /* #25 more padding */
.fees__table td { padding: 1rem 1.75rem; border-bottom: 1px solid var(--gray-light); color: var(--body); font-size: 1rem; line-height: 1.6; }  /* #25 more padding, 16px */
.fees__table tbody tr:last-child td { border-bottom: none; }
.fees__table tbody tr:hover { background: rgba(66,76,242,.04); }
/* #26 stronger highlight column */
.highlight-col { background: rgba(66,76,242,.08); color: var(--navy) !important; font-weight: 600; }
.fees__table thead .highlight-col { background: var(--blue); color: var(--white) !important; font-weight: 700; }
/* #27 more visible footnote */
.fees__note { background: var(--white); border-left: 4px solid var(--blue); padding: var(--sp-3) var(--sp-3); border-radius: 0 var(--radius) var(--radius) 0; margin-bottom: var(--sp-5); color: var(--body); font-size: 1rem; line-height: 1.7; }

/* ── SECURITY — #28 #29 ───────────────────────────────────────────────────── */
.security { padding: var(--sp-7) 0; background: var(--navy); }
.security__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-3); margin-bottom: var(--sp-4); }
.security__card { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-3); transition: background var(--transition); }  /* #28 more padding */
.security__card:hover { background: rgba(255,255,255,.12); }
.security__icon { font-size: 2.2rem; margin-bottom: var(--sp-2); }  /* #28 larger */
.security__card h3 { color: var(--white); margin-bottom: var(--sp-2); font-size: 1.1rem; }  /* #28 larger */
.security__card p  { color: rgba(255,255,255,.75); font-size: 1rem; line-height: 1.65; }  /* #28 16px, more visible */
/* #29 stronger support strip */
.security__challenge { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); padding: 1.5rem var(--sp-3); color: rgba(255,255,255,.85); font-size: 1rem; text-align: center; }  /* #29 more visible */
.security__challenge strong { color: var(--white); }

/* ── TESTIMONIALS — #30 #31 ───────────────────────────────────────────────── */
.testimonials { padding: var(--sp-7) 0; background: var(--white); }
.testimonial-featured {
  background: var(--navy); border-radius: 20px; padding: var(--sp-5) var(--sp-5);  /* #30 more padding */
  text-align: center; max-width: 780px; margin: var(--sp-4) auto var(--sp-4);
}
.stars--lg { font-size: 1.5rem; color: var(--gold); margin-bottom: var(--sp-3); }
.testimonial-featured__pull { font-size: 1.55rem; font-weight: 700; color: var(--white); line-height: 1.3; max-width: 620px; margin: .75rem auto .5rem; font-family: var(--font-serif); }
.testimonial-featured blockquote { font-size: 1.05rem; font-style: italic; color: rgba(255,255,255,.8); line-height: 1.75; margin-bottom: var(--sp-2); font-family: var(--font-serif); }
.testimonial-featured cite { color: rgba(255,255,255,.65); font-size: .95rem; font-style: normal; font-weight: 600; }
.testimonials__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-3); }
/* #30 more padding in cards */
.testimonial { background: var(--off-white); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-3); border: 1px solid var(--gray-light); }
/* #31 larger metadata */
.review-source { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--body); margin-bottom: var(--sp-2); }
.stars { color: var(--gold-dark); font-size: 1.1rem; margin-bottom: var(--sp-2); }
.testimonial__pull { font-size: .95rem; font-weight: 700; color: var(--navy); font-style: italic; margin-bottom: .35rem; display: block; }
.testimonial p { color: var(--body); font-size: 1rem; line-height: 1.75; margin-bottom: var(--sp-2); font-style: italic; }
.testimonial cite { font-size: .9rem; font-weight: 700; color: var(--navy); font-style: normal; display: flex; flex-direction: column; gap: .2rem; }  /* #31 larger */
.testimonial cite span { font-weight: 400; color: var(--body); font-size: .85rem; }  /* #31 larger */

/* ── INFLATION / PERSONAL — #32 #33 ──────────────────────────────────────── */
.inflation { padding: var(--sp-7) 0; background: var(--off-white); }
.inflation__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.inflation__text h2 { margin-bottom: var(--sp-3); }
.inflation__text p  { color: var(--body); margin-bottom: var(--sp-2); font-size: 1.05rem; line-height: 1.75; }  /* #32 */
.inflation__stats { display: flex; flex-direction: column; gap: var(--sp-3); }
/* #33 stronger stat cards */
.pstat { background: var(--white); border-radius: 12px; padding: var(--sp-3) var(--sp-4); box-shadow: 0 2px 12px rgba(0,0,0,.06); border-left: 4px solid var(--blue); }
.pstat__num   { display: block; font-size: 2.2rem; font-weight: 700; color: var(--blue); font-family: var(--font-serif); }  /* #33 larger */
.pstat__label { font-size: .95rem; color: var(--body); line-height: 1.5; margin-top: .2rem; }  /* #33 larger, more visible */

/* ── FINAL CTA — #34 ──────────────────────────────────────────────────────── */
.final-cta { padding: var(--sp-7) 0; background: var(--navy); }
.final-cta__inner { text-align: center; }
.final-cta__inner h2 { color: var(--white); margin-bottom: var(--sp-3); }
/* #34 larger, more readable */
.final-cta__inner p  { color: rgba(255,255,255,.82); font-size: 1.1rem; line-height: 1.75; max-width: 640px; margin: 0 auto var(--sp-4); }
.final-cta__actions { display: flex; gap: 1.25rem; justify-content: center; flex-wrap: wrap; margin-bottom: var(--sp-5); }
.final-cta__trust { display: flex; gap: var(--sp-3); justify-content: center; flex-wrap: wrap; }
.final-cta__phone-note { color: rgba(255,255,255,.7); font-size: .9rem; text-align: center; margin-top: .4rem; }
.final-cta__micro { color: rgba(255,255,255,.45); font-size: .85rem; text-align: center; margin-top: .4rem; margin-bottom: var(--sp-4); }
.btn--phone-large { font-size: 1.05rem !important; }
.comp-bad { color: #b91c1c; font-weight: 500; }
.ft-item { display: flex; flex-direction: column; align-items: center; gap: .3rem; }
.ft-item strong { color: var(--white); font-size: .95rem; }  /* #34 larger */
.ft-item span   { color: rgba(255,255,255,.55); font-size: .82rem; }  /* #34 more visible */

/* ── FOOTER — #35 #36 ─────────────────────────────────────────────────────── */
.footer { background: var(--navy); border-top: 1px solid rgba(255,255,255,.1); }
/* #36 more top padding */
.footer__inner { display: flex; gap: 4rem; padding: var(--sp-7) 0 var(--sp-5); flex-wrap: wrap; }
.footer__brand { flex: 1; min-width: 220px; }
.footer__brand p { color: rgba(255,255,255,.65); font-size: 1rem; margin-top: var(--sp-2); max-width: 280px; line-height: 1.65; }  /* #35 larger, more visible */
/* Footer logo — both parts white/light on dark navy */
.footer__brand .logo-block { color: var(--white); }
.footer__brand .logo-trust { color: rgba(255,255,255,.75); }
.footer__brand .nav__logo { font-size: 1.4rem; }
/* #36 larger social icons */
.footer__social { display: flex; gap: 1rem; margin-top: var(--sp-3); }
.footer__social a { width: 42px; height: 42px; border: 1px solid rgba(255,255,255,.25); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.7); font-size: .9rem; font-weight: 700; transition: var(--transition); }  /* #36 larger */
.footer__social a:hover { background: rgba(255,255,255,.12); color: var(--white); }
.footer__links { display: flex; gap: 4rem; }
/* #36 more spacing between columns */
.footer__col { display: flex; flex-direction: column; gap: var(--sp-2); }
.footer__col h4 { color: var(--white); margin-bottom: .35rem; font-size: .88rem; letter-spacing: .06em; text-transform: uppercase; }  /* #35 larger */
.footer__col a  { color: rgba(255,255,255,.65); font-size: .95rem; transition: color var(--transition); }  /* #35 larger, more visible */
.footer__col a:hover { color: var(--white); }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.1); padding: var(--sp-3) 0; }
/* #35 more readable legal text */
.footer__bottom p { color: rgba(255,255,255,.45); font-size: .8rem; line-height: 1.7; margin-bottom: .6rem; }
.footer__copy { font-size: .82rem !important; color: rgba(255,255,255,.5) !important; }
.footer__copy a { color: rgba(255,255,255,.6); }
.footer__copy a:hover { color: var(--white); }

/* ── STICKY MOBILE CTA ─────────────────────────────────────────────────────── */
.sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 999; background: var(--navy); border-top: 2px solid var(--blue); padding: .75rem 1rem; gap: .75rem; justify-content: center; align-items: center; box-shadow: 0 -4px 20px rgba(0,0,0,.35); }
.sticky-cta .btn { flex: 1; max-width: 190px; text-align: center; justify-content: center; font-size: .88rem; padding: 0 .75rem; height: 44px; }

/* ── RESPONSIVE ───────────────────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__form-wrap { position: static; max-width: 540px; margin: 0 auto; }
  .security__grid { grid-template-columns: repeat(2, 1fr); }
  .quick-trust__grid { grid-template-columns: repeat(2, 1fr); }
  .why__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  /* Sticky CTA */
  .sticky-cta { display: flex; }
  body { padding-bottom: 72px; }

  /* Nav */
  .nav__links, .nav__cta, .nav__phone, .nav__phone-btn, .nav__actions { display: none; }
  .nav__hamburger { display: flex; }
  .nav__inner { height: 64px; }

  /* Hero */
  .hero { padding: 84px 0 56px; min-height: auto; }
  .hero__trust { gap: .75rem; justify-content: center; }
  .trust-item { padding: 0 .75rem; }
  .hero__sub { font-size: 1rem; }
  .hero__badge { flex-direction: column; align-items: flex-start; gap: .75rem; }
  /* #8 phone number stacks below buttons on mobile */
  .hero__actions { flex-direction: column; align-items: stretch; gap: .75rem; width: 100%; }
  .hero__actions .btn { width: 100%; max-width: 100%; box-sizing: border-box; }
  .hero__proof { gap: .75rem; }
  .hero__proof span { font-size: .82rem; }

  /* Sections */
  .comparison, .problem, .how, .animus, .why, .fees, .security, .testimonials, .inflation, .final-cta { padding: var(--sp-5) 0; }
  .problem__inner, .animus__inner, .inflation__inner { grid-template-columns: 1fr; gap: var(--sp-4); }

  /* Steps */
  .steps { flex-direction: column; }
  .step__connector { width: 2px; height: 40px; margin: 0 auto; }
  .step { padding: var(--sp-3) var(--sp-3); }

  /* Grids */
  .testimonials__grid { grid-template-columns: 1fr; }
  .security__grid { grid-template-columns: 1fr; }
  .why__grid { grid-template-columns: 1fr; }
  .quick-trust__grid { grid-template-columns: 1fr 1fr; }

  /* Comparison bars */
  .comp-bar { flex-direction: column; align-items: flex-start; gap: .5rem; }
  .comp-bar__fill { width: 100% !important; flex: none !important; }
  .comp-bar__label { min-width: unset; }

  /* Form card */
  .hero__form-wrap { max-width: 100%; padding: 0; }
  .form-card { border-radius: 12px; overflow: hidden; }
  .lead-form { padding: var(--sp-3) var(--sp-2); }
  .form-card__bonus { padding: var(--sp-2) var(--sp-2); }

  /* Fees table */
  .fees__table th, .fees__table td { padding: .85rem 1.1rem; font-size: .95rem; }

  /* Testimonials */
  .testimonial-featured { padding: var(--sp-4) var(--sp-3); }
  .testimonial-featured blockquote { font-size: 1.05rem; }

  /* Footer */
  .footer__inner { flex-direction: column; gap: var(--sp-4); padding: var(--sp-5) 0 var(--sp-4); }
  .footer__links { flex-direction: column; gap: var(--sp-3); }

  /* Press */
  .press__inner { flex-direction: column; gap: 1rem; }
  .press__logos { gap: 1.5rem; }

  /* Final CTA */
  .final-cta__trust { gap: 1.5rem; }
  .final-cta__actions { flex-direction: column; align-items: stretch; }
  .final-cta__actions .btn { width: 100%; max-width: 100%; box-sizing: border-box; }

  /* Clock card */
  .clock-card { padding: var(--sp-4) var(--sp-3); }

  /* Animus visual */
  .animus__visual { order: -1; }
}

@media (max-width: 480px) {
  /* Typography */
  h1 { font-size: 1.95rem; }
  h2 { font-size: 1.65rem; }
  h3 { font-size: 1.1rem; }

  /* Hero */
  .hero { padding: 76px 0 48px; }
  .hero__actions .btn { max-width: 100%; }
  .hero__trust { flex-direction: column; gap: .75rem; }
  .trust-divider { width: 60px; height: 1px; }
  .trust-item { padding: 0; }
  .hero__micro { font-size: .82rem; }

  /* Form */
  .form-row { grid-template-columns: 1fr; }
  .form-card__bonus { padding: var(--sp-2); }
  .form-card__guide { padding: var(--sp-2); }

  /* Animus */
  .animus__stats-row { flex-direction: column; gap: var(--sp-2); }
  .animus__orb { width: 170px; height: 170px; }

  /* Quick trust */
  .quick-trust__grid { grid-template-columns: 1fr; }

  /* Why grid */
  .why-card { padding: var(--sp-3); }

  /* Security */
  .security__grid { grid-template-columns: 1fr; }

  /* Fees table */
  .fees__table-wrap { -webkit-overflow-scrolling: touch; }
  .fees__table { min-width: 500px; }

  /* Press logos */
  .press__logos { gap: 1rem; }

  /* Pstats */
  .pstat { padding: var(--sp-2) var(--sp-3); }
  .pstat__num { font-size: 1.8rem; }

  /* Nav mobile menu */
  .nav__mobile { padding: var(--sp-2) 16px var(--sp-3); }

  /* Container padding */
  .container { padding: 0 var(--sp-2); }

  /* CTA pair — stack full width on mobile */
  .cta-pair { flex-direction: column; align-items: stretch; }
  .cta-pair .btn { width: 100%; max-width: 100%; text-align: center; justify-content: center; box-sizing: border-box; }
}