/* ===========================
   RESET
   =========================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--text-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ===========================
   DESIGN TOKENS
   =========================== */
:root {
  --navy:        #0d2d4f;
  --navy-mid:    #1a4a7a;
  --navy-light:  #1e3a5f;
  --gold:        #c8972a;
  --gold-hover:  #b8861f;
  --gold-tint:   rgba(200, 151, 42, 0.10);
  --green:       #2d7a4f;
  --green-tint:  rgba(45, 122, 79, 0.13);
  --red:         #c0392b;
  --red-tint:    rgba(192, 57, 43, 0.10);
  --bg:          #f5f7f9;
  --bg-off:      #eef1f5;
  --white:       #ffffff;
  --text-primary:#0f1923;
  --text-body:   #1a2636;
  --text-muted:  #5a6472;
  --text-light:  #8a95a0;
  --border:      #e2e8ef;
  --border-dark: #ccd4dc;
  --radius-sm:   6px;
  --radius-md:   10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --shadow-sm:   0 1px 3px rgba(13, 45, 79, 0.07);
  --shadow-md:   0 4px 16px rgba(13, 45, 79, 0.09), 0 2px 4px rgba(13, 45, 79, 0.05);
  --shadow-lg:   0 8px 32px rgba(13, 45, 79, 0.12), 0 4px 8px rgba(13, 45, 79, 0.06);
  --transition:  0.18s ease;
  --nav-height:  68px;
}

/* ===========================
   GLOBAL
   =========================== */
h1, h2, h3, h4 { color: var(--text-primary); line-height: 1.15; }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 32px;
}

section { padding: 80px 0; }

/* ===========================
   TYPOGRAPHY UTILITIES
   =========================== */
.eyebrow {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(26px, 3.2vw, 38px);
  font-weight: 700;
  letter-spacing: -1px;
  color: var(--text-primary);
  margin-bottom: 14px;
}

.section-sub {
  font-size: 17px;
  color: var(--text-muted);
  max-width: 560px;
  line-height: 1.65;
}

/* ===========================
   NAVIGATION
   =========================== */
.nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  height: var(--nav-height);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 32px;
  height: 100%;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.nav-logo-icon { width: 36px; height: 36px; flex-shrink: 0; }

.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.nav-logo-main {
  font-size: 17px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.4px;
}

.nav-logo-sub {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 1.3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  transition: color var(--transition);
}

.nav-links a:hover, .nav-links a.active { color: var(--navy); }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  padding: 4px;
}

.nav-hamburger span {
  display: block;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.22s ease, opacity 0.22s ease;
  transform-origin: center;
}

.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile overlay */
.nav-overlay {
  position: fixed;
  inset: 0;
  z-index: 150;
  background: var(--navy);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 36px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.22s ease;
}

.nav-overlay.open { opacity: 1; pointer-events: all; }

.nav-overlay a {
  font-size: 30px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.6px;
  transition: color var(--transition);
}

.nav-overlay a:hover { color: var(--gold); }

.nav-overlay-close {
  position: absolute;
  top: 20px;
  right: 28px;
  font-size: 34px;
  color: rgba(255,255,255,0.6);
  cursor: pointer;
  transition: color var(--transition);
  line-height: 1;
  padding: 8px;
}

.nav-overlay-close:hover { color: var(--white); }

/* ===========================
   BUTTONS
   =========================== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--white);
  font-size: 15px;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: 2px solid var(--gold);
  transition: background var(--transition), border-color var(--transition), transform 0.12s ease;
  cursor: pointer;
  text-decoration: none;
}

.btn-primary:hover {
  background: var(--gold-hover);
  border-color: var(--gold-hover);
  transform: translateY(-1px);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--white);
  font-size: 15px;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: 2px solid rgba(255,255,255,0.3);
  transition: border-color var(--transition), background var(--transition), transform 0.12s ease;
  text-decoration: none;
}

.btn-ghost:hover {
  border-color: rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.06);
  transform: translateY(-1px);
}

.btn-navy {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--navy);
  color: var(--white);
  font-size: 15px;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: 2px solid var(--navy);
  transition: background var(--transition), transform 0.12s ease;
  text-decoration: none;
}

.btn-navy:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-1px);
}

.btn-lg { font-size: 17px; padding: 18px 36px; }

/* ===========================
   HERO
   =========================== */
.hero {
  background: linear-gradient(155deg, #091e36 0%, #0d2d4f 50%, #1a4a7a 100%);
  padding: 100px 32px 88px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200,151,42,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -80px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(255,255,255,0.03) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 22px;
}

.hero-eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%        { opacity: 0.5; transform: scale(0.8); }
}

.hero h1 {
  font-size: clamp(42px, 6.5vw, 72px);
  font-weight: 800;
  letter-spacing: -2.5px;
  color: var(--white);
  line-height: 1.04;
  max-width: 860px;
  margin-bottom: 26px;
}

.hero h1 .accent { color: var(--gold); }

.hero-sub {
  font-size: 19px;
  color: rgba(255,255,255,0.72);
  max-width: 580px;
  line-height: 1.65;
  margin-bottom: 44px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* ===========================
   TRUST STRIP
   =========================== */
.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 18px 32px;
}

.trust-strip-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--text-muted);
  white-space: nowrap;
}

.trust-item svg { color: var(--gold); flex-shrink: 0; }

.trust-divider {
  width: 1px;
  height: 18px;
  background: var(--border-dark);
  flex-shrink: 0;
}

/* ===========================
   BENEFITS SECTION (3 cards)
   =========================== */
.benefits-section {
  background: var(--white);
  padding: 88px 32px;
}

.benefits-header {
  text-align: center;
  margin-bottom: 60px;
}

.benefits-header .section-sub { margin: 0 auto; }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1100px;
  margin: 0 auto;
}

.benefit-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.benefit-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--gold-tint);
}

.benefit-number {
  width: 40px;
  height: 40px;
  background: var(--navy);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 20px;
}

.benefit-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
  line-height: 1.25;
}

.benefit-card p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ===========================
   COMPARISON SECTION
   =========================== */
.compare-section {
  background: var(--bg);
  padding: 88px 32px;
}

.compare-header {
  text-align: center;
  margin-bottom: 60px;
}

.compare-header .section-sub { margin: 0 auto; }

.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 880px;
  margin: 0 auto;
}

.compare-card {
  border-radius: var(--radius-xl);
  padding: 44px 40px;
}

.compare-card.traditional {
  background: var(--white);
  border: 1px solid var(--border);
}

.compare-card.our-way {
  background: var(--navy);
  border: 1px solid var(--navy);
  position: relative;
  overflow: hidden;
}

.compare-card.our-way::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(200,151,42,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.compare-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.compare-card.traditional .compare-badge {
  background: var(--bg-off);
  color: var(--text-light);
}

.compare-card.our-way .compare-badge {
  background: rgba(200,151,42,0.2);
  color: var(--gold);
}

.compare-card h3 {
  font-size: 22px;
  font-weight: 800;
  margin-bottom: 28px;
  letter-spacing: -0.5px;
}

.compare-card.traditional h3 { color: var(--text-primary); }
.compare-card.our-way h3 { color: var(--white); }

.compare-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.compare-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  line-height: 1.5;
}

.compare-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.compare-card.traditional .compare-icon {
  background: var(--red-tint);
  color: var(--red);
}

.compare-card.our-way .compare-icon {
  background: rgba(93,202,138,0.18);
  color: #5dca8a;
}

.compare-card.traditional .compare-item { color: var(--text-muted); }
.compare-card.our-way .compare-item { color: rgba(255,255,255,0.82); }

/* ===========================
   INTAKE FORM SECTION
   =========================== */
.form-section {
  background: linear-gradient(160deg, #091e36 0%, #0d2d4f 100%);
  padding: 88px 32px;
  position: relative;
  overflow: hidden;
}

.form-section::before {
  content: '';
  position: absolute;
  bottom: -100px;
  right: -80px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200,151,42,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.form-section-inner {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 1;
}

.form-section h2 {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -1.2px;
  margin-bottom: 12px;
  line-height: 1.1;
}

.form-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.62);
  margin-bottom: 44px;
  line-height: 1.65;
}

.intake-form {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 44px 40px;
  text-align: left;
  box-shadow: var(--shadow-lg);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 14px;
}

.form-group.full { grid-column: 1 / -1; }

.form-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-body);
  letter-spacing: 0.1px;
}

.form-group label .req { color: var(--red); margin-left: 2px; }

.form-group input {
  width: 100%;
  padding: 12px 14px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text-primary);
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-group input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(13,45,79,0.08);
  background: var(--white);
}

.form-group input::placeholder { color: var(--text-light); }

.form-divider {
  height: 1px;
  background: var(--border);
  margin: 20px 0 22px;
}

.form-consents {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.consent-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px;
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition);
}

.consent-item:has(input:checked) {
  border-color: var(--navy);
  background: rgba(13,45,79,0.03);
}

.consent-item input[type="checkbox"] {
  width: 17px;
  height: 17px;
  min-width: 17px;
  accent-color: var(--navy);
  margin-top: 2px;
  cursor: pointer;
}

.consent-label {
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.65;
  cursor: pointer;
}

.consent-label a {
  color: var(--navy);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.form-legal {
  margin-top: 18px;
  font-size: 12px;
  color: var(--text-light);
  line-height: 1.6;
  text-align: center;
}

.form-legal a {
  color: var(--text-muted);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.btn-submit {
  width: 100%;
  margin-top: 22px;
  justify-content: center;
  font-size: 16px;
  padding: 17px 24px;
  border-radius: var(--radius-md);
}

/* ===========================
   FOOTER
   =========================== */
.footer {
  background: #080f18;
  padding: 60px 32px 36px;
}

.footer-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 48px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 28px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}

.footer-brand .nav-logo-main { color: var(--white); }
.footer-brand .nav-logo-sub  { color: var(--gold); }

.footer-tagline {
  font-size: 14px;
  color: rgba(255,255,255,0.42);
  margin-top: 12px;
  max-width: 280px;
  line-height: 1.65;
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-nav-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: 6px;
}

.footer-nav a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}

.footer-nav a:hover { color: var(--white); }

.footer-bottom {
  max-width: 1100px;
  margin: 0 auto;
}

.footer-copy {
  font-size: 13px;
  color: rgba(255,255,255,0.3);
  margin-bottom: 8px;
}

.footer-address {
  font-size: 13px;
  color: rgba(255,255,255,0.28);
  margin-bottom: 14px;
  line-height: 1.6;
}

.footer-sms {
  font-size: 11.5px;
  color: rgba(255,255,255,0.22);
  line-height: 1.7;
}

.footer-sms a {
  color: rgba(255,255,255,0.35);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ===========================
   PAGE HERO (inner pages)
   =========================== */
.page-hero {
  background: linear-gradient(155deg, #091e36 0%, #0d2d4f 100%);
  padding: 68px 32px 60px;
}

.page-hero-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.page-hero h1 {
  font-size: clamp(32px, 4vw, 50px);
  font-weight: 800;
  letter-spacing: -1.4px;
  color: var(--white);
  margin-bottom: 12px;
}

.page-hero p {
  font-size: 18px;
  color: rgba(255,255,255,0.62);
  max-width: 540px;
  line-height: 1.6;
}

/* ===========================
   ABOUT PAGE
   =========================== */
.about-section { padding: 80px 32px; }
.about-section.white { background: var(--white); }

.about-content { max-width: 1100px; margin: 0 auto; }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about-body p {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 16px;
}

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

.about-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 20px;
}

.about-list-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.6;
}

.about-list-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 8px;
}

.compliance-note {
  background: var(--bg);
  border: 1px solid var(--border);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-top: 40px;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ===========================
   CONTACT PAGE
   =========================== */
.contact-section { background: var(--white); padding: 80px 32px; }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  max-width: 1100px;
  margin: 0 auto;
  align-items: start;
}

.contact-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 32px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-item-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-tint);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
}

.contact-item-text strong {
  display: block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-light);
  margin-bottom: 3px;
}

.contact-item-text span,
.contact-item-text a {
  font-size: 16px;
  color: var(--text-body);
  font-weight: 500;
}

.contact-item-text a:hover { color: var(--navy); text-decoration: underline; }

.sms-notice {
  background: rgba(13,45,79,0.04);
  border: 1px solid rgba(13,45,79,0.12);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  margin-top: 36px;
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.65;
}

.next-steps { margin-top: 40px; }

.next-steps h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 24px;
}

.next-step-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
}

.step-num {
  width: 32px;
  height: 32px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: var(--gold);
  flex-shrink: 0;
}

.step-body strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 3px;
}

.step-body p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ===========================
   LEGAL PAGES
   =========================== */
.legal-page {
  background: var(--white);
  padding: 64px 32px 96px;
}

.legal-body {
  max-width: 760px;
  margin: 0 auto;
}

.legal-date {
  font-size: 13px;
  color: var(--text-light);
  margin-bottom: 44px;
}

.legal-body h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-top: 44px;
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}

.legal-body h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-top: 22px;
  margin-bottom: 6px;
}

.legal-body p {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.8;
  margin-bottom: 14px;
}

.legal-body ul {
  list-style: disc;
  padding-left: 22px;
  margin-bottom: 14px;
}

.legal-body ul li {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.8;
  margin-bottom: 6px;
}

.legal-body a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }

.legal-highlight {
  background: var(--bg);
  border: 1px solid var(--border);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  margin: 24px 0;
}

.legal-highlight strong {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--gold);
  margin-bottom: 10px;
}

.legal-highlight p { margin-bottom: 0; }

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .benefits-grid  { grid-template-columns: 1fr; }
  .compare-grid   { grid-template-columns: 1fr; }
  .about-grid     { grid-template-columns: 1fr; gap: 32px; }
  .contact-grid   { grid-template-columns: 1fr; gap: 40px; }
  .footer-top     { flex-direction: column; gap: 32px; margin-bottom: 0; padding-bottom: 32px; }
  .form-row       { grid-template-columns: 1fr; }
  section         { padding: 56px 0; }
  .hero           { padding: 72px 20px 64px; }
  .benefits-section,
  .compare-section,
  .form-section,
  .contact-section,
  .about-section,
  .legal-page     { padding-left: 20px; padding-right: 20px; }
}

@media (max-width: 640px) {
  .container       { padding: 0 20px; }
  .trust-strip     { padding: 14px 20px; }
  .trust-strip-inner { gap: 16px; }
  .trust-divider   { display: none; }
  .trust-item      { font-size: 12.5px; }
  .hero h1         { letter-spacing: -1.5px; }
  .hero-actions    { flex-direction: column; align-items: flex-start; }
  .intake-form     { padding: 28px 20px; }
  .compare-card    { padding: 32px 26px; }
  .page-hero       { padding: 48px 20px 44px; }
}