/* ===================================================================
   OptiFinance — World-Class Design System
   Soft grey-blue palette · Squared cards · Premium micro-interactions
   =================================================================== */

/* --- Design Tokens --- */
:root {
  /* Palette – approved grey-blue */
  --color-bg: #F4F6F8;
  --color-wash: #E9EEF3;
  --color-white: #ffffff;
  --color-heading: #2E3A46;
  --color-body: #5F6B75;
  --color-primary: #6E8FA8;
  --color-primary-hover: #5F7E96;
  --color-primary-light: rgba(110, 143, 168, 0.10);
  --color-primary-glow: rgba(110, 143, 168, 0.25);
  --color-border: #D8E0E8;
  --color-border-hover: #B8C8D8;
  --color-card-top: #ffffff;
  --color-card-bottom: #F4F6F8;
  --color-footer: #2E3A46;
  --color-footer-text: rgba(233, 238, 243, 0.85);

  /* Typography */
  --font-sans: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-serif: "Playfair Display", Georgia, serif;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(46, 58, 70, 0.06);
  --shadow-card: 0 8px 32px rgba(46, 58, 70, 0.08);
  --shadow-card-hover: 0 16px 48px rgba(46, 58, 70, 0.12);
  --shadow-hero-img: 0 24px 64px rgba(46, 58, 70, 0.18);

  /* Radii – squared style */
  --radius: 4px;
  --radius-md: 6px;
  --radius-lg: 8px;

  /* Layout */
  --max-width: 1200px;
  --section-pad: 6rem;

  /* Motion */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --transition: 0.3s var(--ease);
  --transition-bounce: 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

/* --- Reset & Base --- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  /* Keep anchored section headings clear of the sticky header */
  scroll-padding-top: 96px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Visible keyboard focus ring (mouse clicks stay clean) */
:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 3px;
  border-radius: 2px;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--color-body);
  background-color: var(--color-bg);
  line-height: 1.65;
  font-size: 16px;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition);
}

a:hover,
a:focus-visible {
  color: var(--color-primary);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* --- Layout --- */
.container {
  width: min(calc(100% - 2.5rem), var(--max-width));
  margin: 0 auto;
}

/* --- Typography --- */
.kicker {
  font-size: 0.8rem;
  letter-spacing: 0.2rem;
  text-transform: uppercase;
  color: var(--color-primary);
  font-weight: 700;
  margin-bottom: 0.75rem;
}

h1, h2, h3, h4 {
  color: var(--color-heading);
  line-height: 1.15;
  margin: 0 0 1rem;
  font-weight: 600;
}

h1 {
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  font-family: var(--font-serif);
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  letter-spacing: -0.01em;
}

h3 {
  font-size: 1.25rem;
}

.body-large {
  font-size: 1.1rem;
  color: var(--color-body);
  max-width: 600px;
  line-height: 1.75;
}

/* --- Buttons --- */
.btn {
  display: inline-block;
  text-align: center;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.95rem;
  background: var(--color-primary);
  color: var(--color-white);
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  border: none;
  cursor: pointer;
  letter-spacing: 0.01em;
}

.btn:hover,
.btn:focus-visible {
  background: var(--color-primary-hover);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px var(--color-primary-glow);
}

.btn-outline {
  display: inline-block;
  text-align: center;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--color-border);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-heading);
  transition: all var(--transition);
  cursor: pointer;
  background: transparent;
}

.btn-outline:hover,
.btn-outline:focus-visible {
  border-color: var(--color-primary);
  color: var(--color-primary);
  transform: translateY(-2px);
}

.btn-small {
  padding: 0.55rem 1.2rem;
  font-size: 0.88rem;
}

/* --- Header --- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(244, 246, 248, 0.85);
  backdrop-filter: blur(20px) saturate(1.4);
  -webkit-backdrop-filter: blur(20px) saturate(1.4);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition);
}

.site-header.scrolled {
  box-shadow: 0 4px 20px rgba(46, 58, 70, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
}

.logo {
  font-weight: 700;
  font-size: 1.4rem;
  letter-spacing: -0.02em;
  color: var(--color-heading);
}

.logo span {
  color: var(--color-primary);
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.primary-nav a {
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--color-body);
  transition: color var(--transition);
  position: relative;
}

.primary-nav a:not(.btn)::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--color-primary);
  transition: width var(--transition);
}

.primary-nav a:not(.btn):hover::after,
.primary-nav a:not(.btn).active::after {
  width: 100%;
}

.primary-nav a:hover,
.primary-nav a:focus-visible {
  color: var(--color-primary);
}

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 0.35rem;
  border: none;
  background: transparent;
  cursor: pointer;
  padding: 0.5rem;
}

.menu-line {
  width: 22px;
  height: 2px;
  background: var(--color-heading);
  border-radius: 2px;
  transition: all var(--transition);
}

/* --- Scroll Reveal --- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}

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

/* --- Hero --- */
.hero {
  background: linear-gradient(170deg, var(--color-white) 0%, var(--color-wash) 100%);
  padding: 5rem 0 4.5rem;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-copy {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.hero-copy h1 {
  margin-bottom: 0.25rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.5rem;
}

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

.hero-stat {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.1rem 1.2rem;
  transition: all var(--transition);
}

.hero-stat:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-card);
}

.hero-stat .stat-number {
  display: block;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.02em;
}

.hero-stat .stat-label {
  display: block;
  margin-top: 0.25rem;
  font-size: 0.85rem;
  color: var(--color-body);
  line-height: 1.4;
}

.hero-image-wrapper {
  position: relative;
}

.hero-image-wrapper img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-hero-img);
}

.hero-image-wrapper::before {
  content: "";
  position: absolute;
  inset: -12px;
  border: 1.5px solid var(--color-border);
  border-radius: calc(var(--radius-lg) + 4px);
  z-index: -1;
  opacity: 0.6;
}

/* --- Sections --- */
.section {
  padding: var(--section-pad) 0;
}

.section-heading {
  max-width: 680px;
  margin-bottom: 3rem;
}

/* --- Cards --- */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
}

.card:hover,
.card:focus-within {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: var(--color-border-hover);
}

.card-two-tone {
  background: linear-gradient(180deg, var(--color-card-top) 60%, var(--color-card-bottom) 100%);
}

.card-link {
  margin-top: 1.25rem;
  display: inline-flex;
  align-items: center;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-primary);
}

.card-link::after {
  content: "→";
  margin-left: 0.5rem;
  transition: transform var(--transition);
}

.card-link:hover::after {
  transform: translateX(4px);
}

/* --- Services --- */
.services {
  background: var(--color-white);
}

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

.service-card {
  padding: 2rem;
  text-align: left;
}

.service-card .service-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--color-primary);
  transition: all var(--transition);
}

.service-card .service-icon svg {
  width: 24px;
  height: 24px;
}

.service-card:hover .service-icon {
  background: var(--color-primary);
  color: var(--color-white);
}

.service-card h3 {
  margin-bottom: 0.5rem;
}

.service-card p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.65;
}

/* --- Team / Meet --- */
.meet {
  background: var(--color-wash);
}

.team-grid {
  display: grid;
  gap: 2rem;
}

.team-founder {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 3rem;
  align-items: center;
  padding: 2.5rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--color-white) 50%, var(--color-card-bottom) 100%);
}

.team-founder img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
}

.team-founder-copy {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.team-founder-copy .body-large {
  font-style: italic;
  color: var(--color-body);
}

.team-highlights {
  display: grid;
  gap: 0.75rem;
  margin-top: 0.5rem;
}

.team-highlights div {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--color-heading);
}

.team-highlights div::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 2px;
  background: var(--color-primary);
  flex-shrink: 0;
}

.team-support {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.team-member {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  padding: 1.75rem;
}

.team-member img {
  width: 90px;
  height: 90px;
  object-fit: cover;
  border-radius: var(--radius);
  flex-shrink: 0;
}

.team-member-info h3 {
  margin-bottom: 0.25rem;
}

.team-member-info .role {
  font-size: 0.85rem;
  color: var(--color-primary);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.team-member-info p {
  margin: 0;
  font-size: 0.9rem;
  line-height: 1.6;
}

.team-actions {
  display: flex;
  gap: 1rem;
  margin-top: 1rem;
}

/* --- Journey / Process --- */
.journey {
  background: var(--color-bg);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.process-card {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: flex-start;
  padding: 2rem 1.5rem;
  text-decoration: none;
  color: inherit;
  min-height: 260px;
}

.process-card .process-number {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  background: var(--color-primary);
  color: var(--color-white);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
  transition: all var(--transition);
}

.process-card:hover .process-number {
  background: var(--color-primary-hover);
  transform: scale(1.05);
}

.process-card h3 {
  margin-bottom: 0.35rem;
}

.process-card p {
  margin: 0;
  color: var(--color-body);
  font-size: 0.92rem;
  line-height: 1.6;
}

.process-card .card-link {
  margin-top: 0.75rem;
  font-size: 0.85rem;
}

/* --- Calculators --- */
.calculators {
  background: var(--color-wash);
  color: var(--color-heading);
}

.calculators-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 768px) {
  .calculators-inner {
    grid-template-columns: 1fr 1fr;
  }
}

.tools-copy {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.tools-copy h2,
.tools-copy .kicker {
  color: var(--color-heading);
}

.tools-copy p {
  color: var(--color-body);
}

.calculator-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.5rem;
}

/* --- Calculator Launcher Buttons --- */
.calculator-launchers {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 2rem;
}

.calc-launcher {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  width: 100%;
  cursor: pointer;
  transition: all var(--transition-bounce);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--color-heading);
  text-align: left;
  position: relative;
  z-index: 10;
}

.calc-launcher .icon {
  font-size: 1.5rem;
}

.hitbox {
  display: block;
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  width: 100%;
  height: 100%;
  z-index: 20;
  cursor: pointer;
  border-radius: inherit;
  outline: none;
}

.calc-launcher:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-card-hover);
  border-color: var(--color-primary);
  color: var(--color-primary);
}

@media (min-width: 768px) {
  .calculator-launchers {
    flex-direction: row;
    flex-wrap: wrap;
  }
  .calc-launcher {
    flex: 1;
    min-width: 250px;
  }
}

/* --- Calculator Modal --- */
.calc-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.calc-modal[aria-hidden="false"] {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.calc-modal-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}

.calc-modal-wrapper {
  position: relative;
  width: 95%;
  max-width: 1000px;
  height: 90vh; /* Takes most of viewport height */
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card-hover);
  display: flex;
  flex-direction: column;
  transform: translateY(20px) scale(0.98);
  transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.calc-modal[aria-hidden="false"] .calc-modal-wrapper {
  transform: translateY(0) scale(1);
}

.calc-modal-close {
  position: absolute;
  top: 1rem;
  right: 1.5rem;
  background: none;
  border: none;
  font-size: 2.5rem;
  line-height: 1;
  color: var(--color-body);
  cursor: pointer;
  z-index: 10;
  transition: color var(--transition);
}

.calc-modal-close:hover {
  color: var(--color-primary);
}

.calc-modal-content {
  display: flex;
  flex-direction: column;
  padding: 2rem;
  padding-top: 3.5rem; /* Space for close button */
  height: 100%;
  overflow-y: auto;
}

.calculator-tabs {
  display: flex;
  gap: 0.5rem;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 1rem;
  margin-bottom: 1.5rem;
  overflow-x: auto;
  scrollbar-width: none;
  flex-shrink: 0;
}
.calculator-tabs::-webkit-scrollbar {
  display: none;
}

.calc-tab {
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius) var(--radius) 0 0;
  padding: 0.75rem 1.5rem;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--color-body);
  cursor: pointer;
  white-space: nowrap;
  transition: all var(--transition-bounce);
  position: relative;
  z-index: 10;
}

.calc-tab:hover {
  background: var(--color-bg);
  color: var(--color-heading);
}

.calc-tab.active {
  background: var(--color-primary);
  color: var(--color-white);
  border-color: var(--color-primary);
}

.calculator-frame-wrapper {
  position: relative;
  width: 100%;
  flex-grow: 1; /* Takes remaining height in modal */
  min-height: 500px;
}

.calc-loader {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-sans);
  color: var(--color-body);
  font-weight: 500;
  z-index: 0;
}

.calc-frame {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease;
  z-index: 1;
}

.calc-frame.active {
  opacity: 1;
  visibility: visible;
  position: relative;
  z-index: 2;
}

.embed-note {
  font-size: 0.8rem;
  color: var(--color-body);
  margin-top: 1.5rem;
  opacity: 0.7;
  text-align: center;
  flex-shrink: 0;
}

/* --- Lender Strip --- */
.strip {
  background: var(--color-white);
  padding: 2.5rem 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.strip-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  font-weight: 500;
  color: var(--color-body);
  font-size: 0.95rem;
}

.lender-logos {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.lender-logos span {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 0.5rem 1.2rem;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--color-heading);
  transition: all var(--transition);
}

.lender-logos span:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

/* --- Why --- */
.why {
  background: var(--color-white);
}

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

/* --- Testimonials (Marquee) --- */
.testimonials {
  background: var(--color-wash);
  overflow: hidden; /* Crucial for marquee */
}

.testimonial-marquee-wrapper {
  display: flex;
  width: max-content;
  gap: 2rem;
  padding: 1rem 0;
  animation: scrollMarquee 50s linear infinite;
}

.testimonial-marquee-wrapper:hover {
  animation-play-state: paused;
}

@keyframes scrollMarquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(calc(-50% - 1rem)); } /* Scrolls half the duplicated width */
}

.testimonial {
  flex-shrink: 0;
  width: 350px;
  max-width: 85vw; /* Responsive handling */
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 2rem;
  background: linear-gradient(180deg, var(--color-white) 55%, var(--color-card-bottom) 100%);
  position: relative;
  transition: all var(--transition);
}

.testimonial:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-card-hover);
}

.testimonial::before {
  content: '"';
  position: absolute;
  top: 1rem;
  right: 1.5rem;
  font-size: 4rem;
  font-family: var(--font-serif);
  color: var(--color-primary);
  opacity: 0.12;
  line-height: 1;
}

.testimonial blockquote {
  margin: 0 0 1.25rem;
  font-size: 1rem;
  color: var(--color-heading);
  line-height: 1.65;
  font-style: italic;
}

.testimonial figcaption {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.testimonial .name {
  font-weight: 700;
  color: var(--color-heading);
  font-size: 0.95rem;
}

.testimonial .location {
  font-size: 0.82rem;
  color: var(--color-primary);
  font-weight: 600;
}

.testimonial .stars {
  color: #E8A838;
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

/* --- Insights / Resources --- */
.resources {
  background: var(--color-bg);
}

.resources-inner {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 3rem;
  align-items: start;
}

.resources-copy {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.resource-cards {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
}

.resource-tag {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14rem;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}

/* --- FAQ --- */
.faq {
  background: var(--color-white);
}

.faq-list {
  display: grid;
  gap: 0.75rem;
  margin-top: 0;
  max-width: 800px;
}

.faq-item {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  text-align: left;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-sans);
  color: var(--color-heading);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  align-items: center;
  transition: all var(--transition);
}

.faq-item:hover {
  border-color: var(--color-border-hover);
}

.faq-item .icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius);
  background: var(--color-primary-light);
  position: relative;
  flex-shrink: 0;
  transition: all var(--transition);
}

.faq-item .icon::before,
.faq-item .icon::after {
  content: "";
  position: absolute;
  background: var(--color-primary);
  border-radius: 2px;
}

.faq-item .icon::before {
  width: 12px;
  height: 2px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.faq-item .icon::after {
  width: 2px;
  height: 12px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: all var(--transition);
}

.faq-item[aria-expanded="true"] {
  border-color: var(--color-primary);
  background: var(--color-white);
  box-shadow: var(--shadow-card);
}

.faq-item[aria-expanded="true"] .icon {
  background: var(--color-primary);
}

.faq-item[aria-expanded="true"] .icon::before,
.faq-item[aria-expanded="true"] .icon::after {
  background: var(--color-white);
}

.faq-item[aria-expanded="true"] .icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
  opacity: 0;
}

.faq-content {
  grid-column: 1 / -1;
  margin-top: 0.75rem;
  color: var(--color-body);
  font-weight: 400;
  font-size: 0.95rem;
  line-height: 1.65;
  display: none;
}

.faq-item[aria-expanded="true"] .faq-content {
  display: block;
}

/* --- Contact --- */
.contact {
  background: linear-gradient(170deg, var(--color-wash) 0%, var(--color-white) 100%);
  padding: var(--section-pad) 0;
}

.contact-cta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.contact-cta-copy {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-cta-copy a {
  color: var(--color-primary);
  font-weight: 600;
}

.contact-cta-copy a:hover {
  color: var(--color-primary-hover);
}

.contact-meta {
  display: grid;
  gap: 0.5rem;
  font-size: 0.92rem;
}

.contact-meta strong {
  color: var(--color-heading);
}

.contact-cta-actions {
  display: grid;
  gap: 1rem;
}

.contact-cta-actions .btn,
.contact-cta-actions .btn-outline {
  justify-content: flex-start;
  padding: 1rem 1.5rem;
}

.privacy-note {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-top: 1rem;
  padding: 1.25rem;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 0.85rem;
  color: var(--color-body);
  line-height: 1.6;
}

.privacy-note .privacy-icon {
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

/* --- Footer --- */
.site-footer {
  background: var(--color-footer);
  color: var(--color-footer-text);
  padding: 3.5rem 0 2rem;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 2.5rem;
  align-items: start;
  margin-bottom: 2.5rem;
}

.footer-brand p {
  margin-top: 0.75rem;
  font-size: 0.9rem;
  max-width: 300px;
  line-height: 1.6;
}

.footer-brand .logo {
  color: var(--color-white);
}

.footer-links h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.footer-links ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.6rem;
}

.footer-links a {
  color: var(--color-footer-text);
  font-size: 0.9rem;
  transition: color var(--transition);
}

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

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  font-size: 0.8rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
  opacity: 0.7;
}

/* --- Process page specific --- */
.process-page-hero {
  background: linear-gradient(170deg, var(--color-wash) 0%, var(--color-white) 100%);
  padding: 4rem 0 3rem;
}

.process-page-hero h1 {
  margin-bottom: 0.5rem;
}

.process-steps {
  max-width: 800px;
  display: grid;
  gap: 0.75rem;
  margin-top: 2rem;
}

.process-step-item {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  display: grid;
  grid-template-columns: 48px 1fr auto;
  gap: 1rem;
  align-items: center;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-heading);
  text-align: left;
  transition: all var(--transition);
}

.process-step-item:hover {
  border-color: var(--color-border-hover);
}

.process-step-item .step-num {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  background: var(--color-primary-light);
  color: var(--color-primary);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}

.process-step-item[aria-expanded="true"] {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-card);
}

.process-step-item[aria-expanded="true"] .step-num {
  background: var(--color-primary);
  color: var(--color-white);
}

.process-step-content {
  grid-column: 1 / -1;
  margin-top: 0.75rem;
  padding-left: 64px;
  color: var(--color-body);
  font-weight: 400;
  font-size: 0.95rem;
  line-height: 1.65;
  display: none;
}

.process-step-item[aria-expanded="true"] .process-step-content {
  display: block;
}

.process-step-item .step-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius);
  background: var(--color-primary-light);
  position: relative;
}

.process-step-item .step-icon::before,
.process-step-item .step-icon::after {
  content: "";
  position: absolute;
  background: var(--color-primary);
  border-radius: 2px;
}

.process-step-item .step-icon::before {
  width: 12px;
  height: 2px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.process-step-item .step-icon::after {
  width: 2px;
  height: 12px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: all var(--transition);
}

.process-step-item[aria-expanded="true"] .step-icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
  opacity: 0;
}

/* --- Utility --- */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ===================================================================
   Responsive
   =================================================================== */

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .hero-image-wrapper {
    order: -1;
  }

  .hero-image-wrapper img {
    height: 340px;
  }

  .team-founder {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .team-founder img {
    height: 300px;
  }

  .calculators-inner {
    grid-template-columns: 1fr;
  }

  .resources-inner {
    grid-template-columns: 1fr;
  }

  .contact-cta {
    grid-template-columns: 1fr;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 820px) {
  .primary-nav {
    position: fixed;
    inset: 0;
    top: 64px;
    background: rgba(244, 246, 248, 0.98);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    flex-direction: column;
    align-items: flex-start;
    padding: 2rem 1.5rem;
    gap: 1.25rem;
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition);
    border-bottom: 1px solid var(--color-border);
    z-index: 99;
  }

  .primary-nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .primary-nav a {
    font-size: 1.1rem;
    width: 100%;
    padding: 0.5rem 0;
    border-bottom: 1px solid var(--color-border);
  }

  .primary-nav a:not(.btn)::after {
    display: none;
  }

  .menu-toggle {
    display: inline-flex;
  }

  body.nav-open {
    overflow: hidden;
  }

  .service-grid,
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .team-support {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  :root {
    --section-pad: 4rem;
  }

  .header-inner {
    padding: 0.85rem 0;
  }

  .hero-stats {
    grid-template-columns: 1fr;
  }

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

  .hero-image-wrapper img {
    height: 240px;
  }

  .service-grid,
  .why-grid {
    grid-template-columns: 1fr;
  }

  .team-founder {
    padding: 1.5rem;
  }

  .team-member {
    flex-direction: column;
    text-align: center;
  }

  .footer-top {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    text-align: center;
  }

  .meet-actions,
  .team-actions {
    flex-direction: column;
  }

  .contact-cta-copy {
    text-align: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

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

  /* Stop the testimonial marquee cleanly and let cards wrap instead of
     freezing mid-scroll with half the reviews pushed off-screen. */
  .testimonial-marquee-wrapper {
    animation: none;
    width: 100%;
    flex-wrap: wrap;
    justify-content: center;
  }
}

/* --- Contact form --- */
.contact-form {
  display: grid;
  gap: 1rem;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow-card);
}

.form-intro {
  margin: 0;
  font-size: 0.92rem;
  color: var(--color-body);
}

.form-field {
  display: grid;
  gap: 0.35rem;
}

.form-field label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-heading);
}

.form-field .optional {
  color: var(--color-body);
  font-weight: 400;
}

.contact-form input,
.contact-form textarea {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--color-heading);
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 0.7rem 0.85rem;
  width: 100%;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.contact-form textarea {
  resize: vertical;
  min-height: 110px;
}

.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-light);
}

.contact-form .btn {
  margin-top: 0.25rem;
}

/* Honeypot field — visually hidden, off-screen; real people never see it */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}

.form-alt {
  margin-top: 1rem;
  font-size: 0.88rem;
  color: var(--color-body);
  text-align: center;
}