:root {
  --navy: #000033;
  --navy-mid: #0c0c4d;
  --navy-soft: #12125c;
  --navy-hover: #000025;
  --orange: #f58220;
  --orange-light: #ff9a47;
  --orange-hover: #e07010;
  --orange-glow: rgba(245, 130, 32, 0.45);
  --white: #ffffff;
  --grey-50: #f8f9fc;
  --grey-100: #f0f2f8;
  --grey-200: #e4e7f0;
  --grey-300: #c8cdd9;
  --text-dark: #0a0a2e;
  --text-muted: #6b7289;
  --footer-border: rgba(255, 255, 255, 0.1);
  --radius: 14px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --shadow-sm: 0 2px 8px rgba(0, 0, 51, 0.05);
  --shadow-md: 0 8px 32px rgba(0, 0, 51, 0.08);
  --shadow-lg: 0 20px 60px rgba(0, 0, 51, 0.12);
  --shadow-glow: 0 0 40px var(--orange-glow);
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  min-height: 100vh;
  background: var(--white);
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
  -webkit-font-smoothing: antialiased;
}

.page-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
}

main {
  flex: 1;
}

a {
  color: var(--orange);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}

a:hover {
  color: var(--orange-hover);
}

address {
  font-style: normal;
  margin: 0;
}

/* Reveal animations */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal--delay {
  transition-delay: 0.12s;
}
.reveal--delay-2 {
  transition-delay: 0.24s;
}

/* Header */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 200;
  padding: 1rem 0;
  transition: padding 0.3s var(--ease);
}

.site-header.is-scrolled {
  padding: 0.6rem 0;
}

.header-shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 100px;
  padding: 0.6rem 0.6rem 0.6rem 1.25rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s var(--ease);
}

.site-header.is-scrolled .header-shell {
  box-shadow: var(--shadow-md);
}

.site-logo {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.site-logo__img {
  display: block;
  height: 52px;
  width: auto;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.header-nav a:not(.header-nav__cta) {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  padding: 0.5rem 1rem;
  border-radius: 100px;
  transition:
    background 0.2s var(--ease),
    color 0.2s var(--ease);
}

.header-nav a:not(.header-nav__cta):hover {
  background: var(--grey-100);
  color: var(--navy);
}

.header-nav__cta {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--navy);
  color: var(--white) !important;
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.65rem 1.25rem;
  border-radius: 100px;
  transition:
    background 0.2s var(--ease),
    transform 0.2s var(--ease),
    box-shadow 0.2s var(--ease);
}

.header-nav__cta:hover {
  background: var(--navy-soft);
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* Sections */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.85rem;
}

.section-label--light {
  color: var(--orange-light);
}

.section-title {
  font-size: clamp(1.85rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.85rem;
}

.section-title--light {
  color: var(--white);
}
.mt-20{
  margin-top: 20px;
}
.stats-strip{
  display: none;
}
.section-desc {
  color: var(--text-muted);
  max-width: 820px;
  margin: 0 auto;
  font-size: 1.05rem;
}

.section-header {
  margin-bottom: 3rem;
}

.py-lg-6 {
  padding-top: 5rem !important;
  padding-bottom: 5rem !important;
}

/* Hero */
.hero-section {
  position: relative;
  padding-top: 6rem;
  overflow: hidden;
}

.hero-mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 70% 50% at 90% 10%,
      rgba(245, 130, 32, 0.12),
      transparent 60%
    ),
    radial-gradient(
      ellipse 50% 40% at 10% 80%,
      rgba(0, 0, 51, 0.06),
      transparent 55%
    ),
    linear-gradient(180deg, var(--grey-50) 0%, var(--white) 100%);
  pointer-events: none;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: 100px;
  padding: 0.4rem 1rem 0.4rem 0.65rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.hero-badge__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--orange);
  animation: pulse 2s ease infinite;
}

@keyframes pulse {
  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }
  50% {
    opacity: 0.6;
    transform: scale(0.85);
  }
}

.hero-headline {
    font-size: clamp(1.85rem, 4.2vw, 3rem);
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 1.5rem;
    max-width: 576px;
}
span.headline-light {
    font-size: 29px;
    line-height: normal;
    margin-top: 12px;
}
.headline-light {
  display: block;
  font-weight: 300;
  color: var(--navy);
}

.headline-bold {
  font-weight: 800;
  color: var(--navy);
}

.headline-accent {
  font-weight: 800;
  color: var(--orange);
}

.hero-text {
  color: var(--text-muted);
  margin-bottom: 1rem;
  max-width: 637px;
  font-size: 1.05rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--grey-200);
}

.hero-trust__item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
}

.hero-trust__item svg {
  color: var(--orange);
  flex-shrink: 0;
}

/* Summary card */
.summary-card {
  position: relative;
  background: linear-gradient(145deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.summary-card__glow {
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, var(--orange-glow), transparent 70%);
  pointer-events: none;
}

.summary-card__top {
  position: relative;
  margin-bottom: 1.5rem;
}

.summary-card__label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.5rem;
}

.summary-card__amount {
  font-size: clamp(2.75rem, 6vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.04em;
  margin-bottom: 0.35rem;
}

.summary-card__amount span {
  color: var(--orange-light);
}

.summary-card__note {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0;
}

.summary-card__list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
  position: relative;
}

.summary-card__list li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 0;
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.8);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.summary-card__list li:last-child {
  border-bottom: none;
}

.summary-card__list strong {
  color: var(--white);
  font-weight: 700;
}

.summary-card__more {
  justify-content: center !important;
  color: rgba(255, 255, 255, 0.4) !important;
  font-size: 0.8rem !important;
  padding-top: 0.5rem !important;
}

.summary-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--orange-light);
  position: relative;
}

.summary-card__link:hover {
  color: var(--white);
}

/* Stats strip */
.stats-strip {
  background: var(--white);
  border-top: 1px solid var(--grey-200);
  border-bottom: 1px solid var(--grey-200);
  padding: 2rem 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.stat-item {
  text-align: center;
  padding: 1rem;
}

.stat-item__value {
  display: block;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.2;
  margin-bottom: 0.25rem;
}

.stat-item__label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Claims */
.claims-section {
  background: var(--grey-50);
}

.claims-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-200);
  overflow: hidden;
  max-width: 820px;
  margin: 0 auto;
}

/* .claims-rows {
  padding: 0.5rem 0 0;
} */

.claims-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 2rem;
  border-bottom: 1px solid var(--grey-100);
  transition: background 0.15s var(--ease);
}

.claims-row:hover:not(.claims-row--head):not(.claims-row--total) {
  background: var(--grey-50);
}

.claims-row--head {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  padding-top: 1.5rem;
  border-bottom: 1px solid var(--grey-200);
}

.claims-row--head:hover {
  background: transparent;
}

.claims-row__lender {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-weight: 500;
  color: var(--text-dark);
}

.claims-row__icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--grey-100);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.claims-row__value {
    font-weight: 600;
    color: #0a0a2e;
    font-variant-numeric: tabular-nums;
    background: #f58220;
    color: white;
    border-radius: 50px;
    padding: 0px 14px;
}

.claims-row--total {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  border-bottom: none;
  padding: 1.35rem 2rem;
}

.claims-row--total span:first-child {
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
}

.claims-row__total {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--orange-light) !important;
  letter-spacing: -0.02em;
}

.claims-disclaimer {
  padding: 1rem 2rem 1rem;
  margin: 0;
  font-size: 0.78rem;
  color: var(--text-muted);
  background: var(--grey-50);
  border-top: 1px solid var(--grey-200);
}

/* CTA */
.cta-section {
  position: relative;
  background: var(--navy);
  overflow: hidden;
}

.cta-mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 60% 80% at 0% 50%,
      rgba(245, 130, 32, 0.18),
      transparent 55%
    ),
    radial-gradient(
      ellipse 40% 60% at 100% 0%,
      rgba(255, 255, 255, 0.05),
      transparent 50%
    );
  pointer-events: none;
}

.cta-side-text {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.05rem;
  margin-bottom: 2rem;
  max-width: 400px;
}

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.feature-list__item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.feature-list__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange-light);
  flex-shrink: 0;
}

.feature-list__item strong {
  display: block;
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 0.15rem;
}

.feature-list__item p {
  margin: 0;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
}

.cta-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  backdrop-filter: blur(16px);
}

.cta-card__intro {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.95rem;
  margin-bottom: 1.75rem;
  line-height: 1.7;
}

/* Custom checkbox */
.terms-box {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  cursor: pointer;
  padding: 1.25rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  margin-bottom: 1.5rem;
  transition:
    border-color 0.2s var(--ease),
    background 0.2s var(--ease);
}

.terms-box:hover {
  border-color: rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.06);
}

.terms-box input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.terms-box__check {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  transition: all 0.2s var(--ease);
}

.terms-box__check svg {
  opacity: 0;
  transform: scale(0.5);
  transition: all 0.2s var(--ease);
  color: var(--white);
}

.terms-box input:checked + .terms-box__check {
  background: var(--orange);
  border-color: var(--orange);
}

.terms-box input:checked + .terms-box__check svg {
  opacity: 1;
  transform: scale(1);
}

.terms-box input:focus-visible + .terms-box__check {
  outline: 2px solid var(--orange-light);
  outline-offset: 2px;
}

.terms-box__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
}

.terms-box__text a {
  color: var(--orange-light);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.cta-icon {
  width: 18px;
  height: 18px;
  margin-right: 0.35rem;
  vertical-align: -3px;
}

.cta-error {
  margin-top: 1rem;
  margin-bottom: 0;
  font-size: 0.85rem;
  color: #ff8a80;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 100px;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.9rem 1.75rem;
  border: none;
  cursor: pointer;
  transition: all 0.25s var(--ease);
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
}

.btn-primary:hover,
.btn-primary:focus {
  background: var(--navy-soft);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-glow:hover {
  box-shadow: var(--shadow-glow);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--grey-200);
}

.btn-ghost:hover {
  background: var(--grey-50);
  color: var(--navy);
  border-color: var(--grey-300);
  transform: translateY(-2px);
}

.btn-accent {
  background: linear-gradient(135deg, var(--orange), var(--orange-light));
  color: var(--white);
}

.btn-accent:hover,
.btn-accent:focus {
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-glow);
}

.btn-outline-light {
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  background: transparent;
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.5);
  color: var(--white);
}

.btn-outline-primary {
  color: var(--navy);
  border: 1.5px solid var(--navy);
  background: var(--white);
}

.btn-outline-primary:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-submit {
  flex: 1;
  min-width: 160px;
}

/* Thanks page */
.thanks-section {
  background: var(--grey-50);
  min-height: 60vh;
  padding-top: 6rem;
}

.thanks-icon {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: linear-gradient(
    135deg,
    rgba(245, 130, 32, 0.15),
    rgba(245, 130, 32, 0.05)
  );
  color: var(--orange);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  box-shadow: var(--shadow-sm);
}

.thanks-icon svg {
  width: 44px;
  height: 44px;
}

.thanks-headline {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

.thanks-lead {
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1rem;
}

.thanks-text {
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.thanks-confirmation {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: left;
  box-shadow: var(--shadow-md);
  max-width: 480px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.thanks-confirmation::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--orange), var(--orange-light));
}

.thanks-confirmation__label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.35rem;
}

.thanks-confirmation__detail {
  margin: 0;
  color: var(--text-dark);
  font-size: 0.95rem;
}
/* Legal pages (Privacy Policy, Terms of Engagement) */
.legal-section {
  background: var(--grey-50);
  padding-top: 6rem;
  padding-bottom: 4rem;
}

.legal-hero {
  position: relative;
  padding: 3rem 0 2.5rem;
  overflow: hidden;
}

.legal-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  /* background:
    radial-gradient(
      ellipse 60% 50% at 85% 20%,
      rgba(245, 130, 32, 0.1),
      transparent 55%
    ),
    radial-gradient(
      ellipse 40% 35% at 10% 70%,
      rgba(0, 0, 51, 0.05),
      transparent 50%
    ); */
  pointer-events: none;
}

.legal-hero__inner {
  position: relative;
  max-width: 820px;
}

.legal-hero__label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.85rem;
}

.legal-hero__label::before {
  content: "";
  width: 20px;
  height: 2px;
  background: var(--orange);
  border-radius: 2px;
}

.legal-hero__title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.75rem;
}

.legal-hero__subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin: 0;
  max-width: 640px;
}

.legal-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  /* box-shadow: var(--shadow-md); */
  padding: clamp(1.5rem, 4vw, 2.75rem);
  /* max-width: 820px; */
  position: relative;
  overflow: hidden;
}

.legal-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--navy-soft), var(--orange));
}

.legal-notice {
  background: linear-gradient(
    135deg,
    rgba(0, 0, 51, 0.04),
    rgba(245, 130, 32, 0.06)
  );
  border: 1px solid var(--grey-200);
  border-left: 4px solid var(--orange);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin-bottom: 2rem;
  font-size: 0.9rem;
  color: var(--text-dark);
  line-height: 1.65;
}

.legal-notice strong {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.35rem;
}

.legal-body {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.75;
}

.legal-body > p {
  margin-bottom: 1rem;
}

.legal-body > p:last-child {
  margin-bottom: 0;
}

.legal-body strong {
  color: var(--navy);
  font-weight: 700;
}

.legal-body ul,
.legal-body ol {
  margin: 0 0 1rem;
  /* padding-left: 1.5rem; */
}

.legal-body ul li,
.legal-body ol li {
  margin-bottom: 0.45rem;
}

.legal-body ul li:last-child,
.legal-body ol li:last-child {
  margin-bottom: 0;
}

.legal-body a {
  font-weight: 500;
  word-break: break-word;
}

.legal-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.875rem;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  overflow: hidden;
}

.legal-body table td {
  padding: 0.85rem 1rem;
  border: 1px solid var(--grey-200);
  vertical-align: top;
  color: var(--text-muted);
}

.legal-body table tr:first-child td {
  background: var(--grey-50);
  color: var(--navy);
  font-weight: 600;
}

.legal-body table td strong {
  font-size: inherit;
}

.legal-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 1.5rem 0;
  border-radius: var(--radius);
  border: 1px solid var(--grey-200);
}

.legal-table-wrap table {
  margin: 0;
  border: none;
  min-width: 560px;
}

.legal-table-wrap table td {
  border-color: var(--grey-200);
}

.legal-section-heading {
  font-size: 1rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: 2rem 0 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--grey-100);
}

.legal-section-heading:first-child {
  margin-top: 0;
}

/* Numbered rows — fixed-width number column prevents overlap */
.legal-num-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.legal-num-row--heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 1.75rem;
  margin-bottom: 0.75rem;
}

.legal-num-row--heading:first-child {
  margin-top: 0;
}

.legal-num-row__num {
  flex: 0 0 auto;
  min-width: 2.25rem;
  text-align: right;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.75;
}

.legal-num-row--heading .legal-num-row__num {
  min-width: 2.5rem;
}

.legal-num-row--sub .legal-num-row__num {
  font-weight: 600;
}

.legal-num-row__text {
  flex: 1 1 0;
  min-width: 0;
  line-height: 1.75;
}

.legal-list {
  counter-reset: l1;
  list-style: none;
  padding: 0;
  margin: 0;
}

.legal-list > li {
  display: grid;
  grid-template-columns: 2.5rem 1fr;
  column-gap: 0.75rem;
  row-gap: 0.35rem;
  margin-bottom: 1.25rem;
}

.legal-list > li::before {
  counter-increment: l1;
  content: counter(l1) ".";
  grid-column: 1;
  grid-row: 1;
  text-align: right;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.75;
}

.legal-list > li > strong {
  grid-column: 2;
  grid-row: 1;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
}

.legal-list > li > ol {
  counter-reset: l2;
  list-style: none;
  grid-column: 2;
  grid-row: 2;
  padding: 0.35rem 0 0;
  margin: 0;
}

.legal-list > li > ol > li {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 0 0.6rem;
  margin-bottom: 0.65rem;
}

.legal-list > li > ol > li::before {
  counter-increment: l2;
  content: counter(l1) "." counter(l2);
  flex: 0 0 3rem;
  text-align: right;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.75;
}

.legal-list > li > ol > li > ol {
  counter-reset: l3;
  list-style: none;
  flex: 1 1 100%;
  padding: 0.35rem 0 0 calc(3rem + 0.6rem);
  margin: 0;
}

.legal-list > li > ol > li > ol > li {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 0 0.6rem;
  margin-bottom: 0.5rem;
}

.legal-list > li > ol > li > ol > li::before {
  counter-increment: l3;
  content: counter(l1) "." counter(l2) "." counter(l3);
  flex: 0 0 3.75rem;
  text-align: right;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.75;
}

.legal-list > li > ol > li > ol > li > ol {
  counter-reset: l4;
  list-style: none;
  flex: 1 1 100%;
  padding: 0.35rem 0 0 calc(3.75rem + 0.6rem);
  margin: 0;
}

.legal-list > li > ol > li > ol > li > ol > li {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 0 0.6rem;
  margin-bottom: 0.45rem;
}

.legal-list > li > ol > li > ol > li > ol > li::before {
  counter-increment: l4;
  content: "(" counter(l4, lower-alpha) ")";
  flex: 0 0 2.25rem;
  text-align: right;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.75;
}

.plain-list {
  list-style: none;
  padding-left: 0 !important;
  margin-bottom: 1rem;
}

.plain-list li {
  margin: 0 0 0.45rem;
  padding: 0;
}

.legal-link-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  display: grid;
  gap: 0.5rem;
}

.legal-link-list li {
  margin: 0;
}

.legal-link-list a {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 600;
}

.legal-link-list a::after {
  content: "→";
  font-size: 0.85em;
  opacity: 0.6;
  transition: transform 0.2s var(--ease);
}

.legal-link-list a:hover::after {
  transform: translateX(3px);
}

@media (max-width: 767.98px) {
  .legal-section {
    padding-top: 5.5rem;
    padding-bottom: 3rem;
  }

  .legal-hero {
    padding: 2rem 0 1.5rem;
  }

  .legal-card {
    padding: 1.25rem;
  }

  .legal-body table,
  .legal-table-wrap table {
    font-size: 0.8rem;
  }

  .legal-body table td {
    padding: 0.65rem 0.75rem;
  }
}
.reveal--delay p.cta-side-text {
    max-width: 100% !important;
}
/* Footer */
.site-footer {
  background: black;
  color: var(--white);
  padding-top: 4rem;
  margin-top: auto;
  position: relative;
}

.site-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--orange),
    var(--orange-light),
    var(--orange)
  );
}

.footer-grid {
    display: grid; 
    gap: 2.5rem;
    padding-bottom: 2.5rem;
}

.footer-contact-item {
  display: flex;
  flex-direction: row-reverse;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px dashed var(--footer-border);
}

.footer-contact-item.item-center {
  align-items: center;
}

.footer-contact-item:last-child {
  border-bottom: none;
}

.footer-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange-light);
}

.footer-icon svg {
  width: 20px;
  height: 20px;
}

.footer-contact a,
.footer-contact address {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
  line-height: 1.7;
  text-decoration: none;
}

.footer-contact a:hover {
  color: var(--orange-light);
}

.footer-contact address strong {
  color: var(--white);
  font-weight: 700;
}

.footer-heading {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1.25rem;
}

.footer-links ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
}

.footer-links li {
  margin-bottom: 0.6rem;
      margin-right: 31px;
}

.footer-links li::before {
  content: "";
  display: inline-block;
  width: 12px;
  height: 2px;
  background: var(--orange);
  margin-right: 0.6rem;
  vertical-align: middle;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
  transition: color 0.2s var(--ease);
}

.footer-links a:hover {
  color: var(--orange-light);
}

.footer-legal {
  /* border-right: 1px solid var(--footer-border);
  padding-right: 2.5rem; */
  text-align: left;
}

.footer-logo {
  display: inline-block;
  margin-bottom: 1.5rem;
  text-decoration: none;
}

.footer-logo__img {
  height: 80px;
  width: auto;
  filter: brightness(0) invert(1);
}

.footer-legal p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.footer-legal p:last-child {
  margin-bottom: 0;
}

.footer-bottom {
  border-top: 1px solid var(--footer-border);
  padding: 1rem 0 1rem;
  text-align: center;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.45);
}

.footer-credit {
  font-size: 0.75rem !important;
  color: rgba(255, 255, 255, 0.3) !important;
  margin-top: 0.35rem !important;
}
.mobile-view{
  display: none;
}
/* Responsive */
@media (max-width: 991.98px) {
  

  .footer-legal {
    grid-column: 1 / -1;
    border-right: none;
    border-bottom: 1px solid var(--footer-border);
    padding-right: 0;
    padding-bottom: 2rem;
  }

  .stats-grid {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }

  .stat-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--grey-200);
  }

  .stat-item:last-child {
    border-bottom: none;
  }
  .desktop-view{
    display: none;
  }
  .mobile-view{
  display: block;
  margin-bottom: 1.5rem;
}
}



@media (max-width: 767.98px) {
  
  .hero-section {
    padding-top: 5.5rem;
  }

  .header-nav a:not(.header-nav__cta) {
    display: none;
  }

  .py-lg-6 {
    padding-top: 3.5rem !important;
    padding-bottom: 3.5rem !important;
  }

  .claims-row,
  .claims-row--total {
    padding-left: 1.25rem;
    padding-right: 1.25rem;
  }

  .claims-row__lender {
    font-size: 0.875rem;
    gap: 0.65rem;
  }

  .claims-row__icon {
    width: 32px;
    height: 32px;
    font-size: 0.75rem;
  }

  .cta-card {
    padding: 1.5rem;
  }

  .cta-actions {
    flex-direction: column;
  }

  .cta-actions .btn {
    width: 100%;
  }

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .footer-grid { 
    gap: 2rem;
  }

  .site-logo__img {
    height: 42px;
  }
  span.headline-light {
    font-size: 22px; 
}
}
@media (max-width: 480px) {
  .hero-text { 
    font-size: 14px;
}
.section-desc { 
    font-size: 14px;
}
   .footer-legal { 
        text-align: center;
    }
    .footer-links ul { 
      display: flex;
      justify-content: center;
    }
    .footer-heading { 
        text-align: center;
    }
    .footer-links li {
        margin-bottom: 0.6rem;
        margin: 0 15px;
    }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  } 

  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .hero-badge__dot {
    animation: none;
  }

}
.item-center {
  align-items: center;
}