/* ============================================================
   SRM Flagship Reverse Mortgage Landing Page
   Standalone — no theme dependency
   ============================================================ */

:root {
  /* Brand palette */
  --srm-navy: #142F57;
  --srm-navy-2: #1F2D69;
  --srm-blue: #3B7ADE;
  --srm-blue-2: #2E5EB1;
  --srm-amber: #F4B000;
  --srm-amber-hover: #FFD35E;
  --srm-green: #5EBF40;
  --srm-slate: #475569;
  --srm-muted: #8A96A9;
  --ink: #0b2240;
  --soft: #FAFBFC;
  --ring: #E2E8F0;
  --error: #ff474c;
  --gold: #FFD700;

  /* Typography scale (fluid) */
  --font-h1: clamp(32px, 6vw, 54px);
  --font-h2: clamp(26px, 4vw, 42px);
  --font-h3: clamp(20px, 2.5vw, 30px);
  --font-body: clamp(18px, 2vw, 20px);
  --font-small: 14px;

  /* Spacing */
  --touch: 48px;
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;

  /* Fonts */
  --font-head: "Plus Jakarta Sans", Arial, Helvetica, sans-serif;
  --font-body: "Inter", Arial, Helvetica, sans-serif;
}

/* ============ RESET ============ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--font-body);
  color: var(--ink);
  line-height: 1.5;
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  font-weight: 800;
  letter-spacing: -0.01em;
  line-height: 1.15;
  margin: 0 0 0.5em;
}
p { margin: 0 0 1em; }
a { color: var(--srm-blue); text-decoration: none; }
a:hover { text-decoration: underline; }
button { font-family: inherit; cursor: pointer; }
img, svg { max-width: 100%; display: block; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-block;
  border: none;
  border-radius: 9999px;
  padding: 0.9rem 1.25rem;
  font-family: var(--font-body);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.1s ease, box-shadow 0.15s ease;
  -webkit-tap-highlight-color: transparent;
}
.btn-amber {
  background: var(--srm-amber);
  color: #08132A;
}
.btn-amber:hover {
  background: var(--srm-amber-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(244, 176, 0, 0.3);
  text-decoration: none;
}
.btn-amber:active { transform: translateY(0); }
.btn-ghost {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.4);
  padding: calc(0.9rem - 2px) calc(1.25rem - 2px);
}
.btn-ghost:hover { border-color: #fff; background: rgba(255, 255, 255, 0.08); text-decoration: none; }
.btn-large { padding: 1.1rem 2.2rem; font-size: 16px; }
.btn-small { padding: 0.55rem 1rem; font-size: 12px; }
.btn:focus-visible {
  outline: 2px solid var(--srm-amber);
  outline-offset: 2px;
}

/* ============ HEADER ============ */
#header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(20, 47, 87, 0.96);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.header-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: padding 0.2s ease;
}
#header.scrolled .header-inner { padding: 10px 24px; }
#header.scrolled .header-logo img { width: 100px; }
.header-logo img { width: 140px; height: auto; }
.header-cta {
  display: flex;
  align-items: center;
  gap: 14px;
}
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--srm-amber);
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
}
.header-phone:hover { color: var(--srm-amber-hover); text-decoration: none; }
.header-quote-btn { padding: 0.6rem 1.1rem; font-size: 13px; }

@media (max-width: 640px) {
  .header-inner { padding: 10px 16px; }
  .header-logo img { width: 110px; }
  .header-phone span { display: none; }
  .header-phone svg { width: 20px; height: 20px; }
}

/* ============ HERO ============ */
.hero {
  background: linear-gradient(135deg, var(--srm-navy) 0%, var(--srm-blue-2) 100%);
  color: #fff;
  padding: 64px 24px 80px;
  min-height: min(100vh, 900px);
  display: flex;
  align-items: flex-start;
  justify-content: center;
}
.hero-inner {
  width: 100%;
  max-width: 760px;
  text-align: center;
}
.hero-trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.95);
  margin-bottom: 18px;
}
.pulse-dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--srm-green);
  box-shadow: 0 0 0 0 rgba(94, 191, 64, 0.7);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(94, 191, 64, 0.6); }
  70% { box-shadow: 0 0 0 12px rgba(94, 191, 64, 0); }
  100% { box-shadow: 0 0 0 0 rgba(94, 191, 64, 0); }
}
.hero-h1 {
  font-family: var(--font-head);
  font-weight: 900;
  font-size: var(--font-h1);
  line-height: 1.1;
  color: #fff;
  margin: 0 0 12px;
}
.hero-sub {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 32px;
}
.underline-amber {
  position: relative;
  display: inline-block;
  white-space: nowrap;
}
.underline-amber svg {
  position: absolute;
  bottom: -6px;
  left: 0;
  width: 100%;
  height: 12px;
  pointer-events: none;
}

/* ============ QUOTE FORM ============ */
.quote-form {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  text-align: left;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
}
.progress-bar {
  height: 4px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 99px;
  overflow: hidden;
  margin-bottom: 24px;
}
.progress-fill {
  height: 100%;
  background: var(--srm-blue);
  border-radius: 99px;
  width: 12%;
  transition: width 0.4s ease;
}
.step {
  display: none;
  border: none;
  padding: 0;
  margin: 0;
}
.step.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.step-title {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: clamp(20px, 3vw, 26px);
  color: #fff;
  margin: 0 0 8px;
  padding: 0;
}
.step-microcopy {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
  margin: 0 0 20px;
}
.field-row {
  margin-bottom: 18px;
}
.field-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 6px;
}
.input-wrap {
  position: relative;
}
input[type="text"], input[type="email"], input[type="tel"], select {
  width: 100%;
  height: 56px;
  padding: 0 16px;
  background: rgba(196, 203, 215, 0.1);
  border: 1.273px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-sm);
  color: #fff;
  font-family: var(--font-body);
  font-size: 16px;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
input::placeholder, select::placeholder { color: rgba(255, 255, 255, 0.5); }
input:focus, select:focus {
  outline: none;
  border-color: var(--srm-blue);
  box-shadow: 0 0 0 4px rgba(59, 122, 222, 0.15);
}
input.is-invalid, select.is-invalid {
  border-color: var(--error) !important;
  animation: shake 0.4s;
}
@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20% { transform: translateX(-6px); }
  40% { transform: translateX(6px); }
  60% { transform: translateX(-4px); }
  80% { transform: translateX(4px); }
}
select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23fff' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  background-size: 12px;
  padding-right: 40px;
}
select option { color: var(--ink); background: #fff; }

.secure {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 10px;
  letter-spacing: 0.1em;
  color: var(--srm-green);
  font-weight: 700;
  pointer-events: none;
}
.secure svg { fill: var(--srm-green); }

.error {
  display: block;
  margin-top: 6px;
  font-size: 13px;
  color: var(--error);
  font-weight: 500;
}

/* Email suggestion pill */
.email-suggestion {
  margin-top: 6px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.85);
}
.email-suggestion .pill {
  display: inline-block;
  background: var(--srm-blue);
  color: #fff;
  padding: 3px 10px;
  border-radius: 99px;
  border: none;
  font-weight: 700;
  font-size: 13px;
  cursor: pointer;
}

/* Branch (conditional sub-sections) */
.branch {
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.branch[hidden] { display: none; }
.sub-title {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 8px;
}
.radio-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.radio-card {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  background: rgba(196, 203, 215, 0.1);
  border: 1.5px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
  font-weight: 600;
  color: #fff;
}
.radio-card input { position: absolute; opacity: 0; pointer-events: none; }
.radio-card:hover { border-color: var(--srm-blue); }
.radio-card:has(input:checked) {
  border-color: var(--srm-blue);
  background: rgba(59, 122, 222, 0.2);
}

/* ============ SLIDER ============ */
.slider-wrap {
  position: relative;
  margin: 14px 0 8px;
  padding: 32px 0 8px;
}
.slider-bubble {
  position: absolute;
  top: 0;
  transform: translateX(-50%);
  background: var(--srm-blue);
  color: #fff;
  padding: 6px 12px;
  border-radius: 99px;
  font-weight: 700;
  font-size: 14px;
  transition: left 0.15s ease;
  pointer-events: none;
  white-space: nowrap;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 99px;
  outline: none;
  margin: 0;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--srm-blue);
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(46, 94, 177, 0.4);
  cursor: pointer;
  transition: transform 0.1s ease;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type="range"]::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--srm-blue);
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(46, 94, 177, 0.4);
  cursor: pointer;
}
.slider-steppers {
  display: flex;
  justify-content: center;
  gap: 14px;
  margin-top: 14px;
}
.stepper {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1.5px solid rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
  font-size: 20px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
}
.stepper:hover { background: rgba(255, 255, 255, 0.15); }

.preset-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}
.preset-chip {
  padding: 8px 14px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 99px;
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.15s ease;
}
.preset-chip:hover {
  background: #fff;
  color: var(--srm-navy);
  border-color: #fff;
}
.preset-chip.active {
  background: var(--srm-blue);
  border-color: var(--srm-blue);
}

/* ============ TEASER REVEAL ============ */
.teaser {
  margin-top: 22px;
  padding: 22px 18px;
  background: rgba(244, 176, 0, 0.1);
  border: 1.5px solid var(--srm-amber);
  border-radius: var(--radius);
  text-align: center;
  animation: fadeIn 0.5s ease;
}
.teaser[hidden] { display: none; }
.teaser-label {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 8px;
}
.teaser-number {
  font-family: var(--font-head);
  font-weight: 900;
  font-size: clamp(28px, 5vw, 38px);
  color: var(--srm-amber);
  letter-spacing: -0.02em;
}
.teaser-sub {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.85);
  margin-top: 4px;
}

/* ============ RESCUE ============ */
.rescue { text-align: left; }
.rescue-title {
  font-family: var(--font-head);
  font-weight: 800;
  color: #fff;
  font-size: 20px;
  margin: 0 0 6px;
}
.rescue-sub {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 16px;
}
.rescue-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.rescue-card {
  display: block;
  padding: 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-sm);
  color: #fff;
  text-align: left;
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
  text-decoration: none;
  font-family: inherit;
}
.rescue-card:hover {
  border-color: var(--srm-blue);
  background: rgba(59, 122, 222, 0.15);
  text-decoration: none;
}
.rescue-icon { font-size: 22px; margin-bottom: 6px; }
.rescue-name { font-weight: 700; font-size: 14px; margin-bottom: 4px; }
.rescue-body { font-size: 12px; color: rgba(255, 255, 255, 0.75); }
.rescue-close {
  margin-top: 14px;
  width: 100%;
}

/* ============ STEP ACTIONS ============ */
.step-actions {
  display: flex;
  gap: 12px;
  margin-top: 24px;
  justify-content: space-between;
}
.step-actions .btn-ghost { flex: 0 0 auto; }
.step-actions .btn-amber { flex: 1; }
.step-actions:has(.btn-ghost:only-child) { justify-content: flex-end; }
.step-actions:has(.btn-submit) .btn-amber { flex: 1; }

/* ============ SMS CONSENT ============ */
.sms-consent {
  display: flex;
  gap: 10px;
  margin: 18px 0 0;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.5;
}
.sms-consent input { margin-top: 3px; flex: 0 0 auto; }
.sms-consent a { color: var(--srm-amber); }

/* ============ COMPLETION ============ */
.completion { text-align: center; padding: 20px 0; }
.completion-icon { margin: 0 auto 16px; }
.completion-h {
  font-size: clamp(24px, 4vw, 32px);
  font-weight: 800;
  color: #fff;
  margin: 0 0 12px;
}
.completion-teaser {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 8px;
}
.completion-teaser strong { color: var(--srm-amber); }
.completion-body {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 16px;
}
.completion-call a { color: var(--srm-amber); font-weight: 700; }

.dnq .completion-icon svg circle { fill: var(--srm-blue); }
.dnq-email { max-width: 420px; margin: 18px auto 0; text-align: left; }
.dnq-row { display: flex; gap: 8px; }
.dnq-row input { flex: 1; }
.dnq-success { color: var(--srm-green); font-weight: 600; margin-top: 10px; text-align: center; }

/* ============ TRUST STRIP ============ */
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 20px;
  margin-top: 32px;
  padding: 18px 16px;
  background: rgba(0, 0, 0, 0.2);
  border-radius: var(--radius);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.9);
}
.trust-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.trust-ic {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--srm-amber);
  color: var(--srm-navy);
  font-weight: 800;
  font-size: 12px;
}

/* ============ PRESS MARQUEE ============ */
.press {
  background: #fff;
  padding: 32px 24px;
  border-bottom: 1px solid var(--ring);
  overflow: hidden;
}
.press-label {
  text-align: center;
  font-size: 12px;
  letter-spacing: 0.1em;
  color: var(--srm-muted);
  margin-bottom: 16px;
}
.press-marquee {
  overflow: hidden;
  position: relative;
}
.press-track {
  display: flex;
  gap: 48px;
  animation: marquee 30s linear infinite;
  width: max-content;
}
.press-marquee:hover .press-track { animation-play-state: paused; }
.press-logo {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 22px;
  color: var(--srm-slate);
  white-space: nowrap;
  opacity: 0.7;
}
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ============ STATS ============ */
.stats {
  background: var(--srm-navy);
  padding: 64px 24px;
}
.stats-grid {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat-card { text-align: center; }
.stat-num {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: clamp(32px, 4vw, 48px);
  color: var(--srm-amber);
  letter-spacing: -0.02em;
  line-height: 1;
}
.stat-label {
  font-size: 13px;
  color: #fff;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-top: 8px;
}
@media (max-width: 720px) {
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 32px 16px; }
}

/* ============ SECTION HEADINGS ============ */
.section-h {
  font-size: var(--font-h2);
  text-align: center;
  margin: 0 auto 16px;
  max-width: 720px;
}
.section-h-light { color: #fff; }
.section-sub {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 40px;
  color: var(--srm-slate);
  font-size: 18px;
}

/* ============ BENEFITS ============ */
.benefits {
  background: var(--soft);
  padding: 80px 24px;
}
.pillars {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.pillar {
  background: #fff;
  border: 1px solid var(--ring);
  border-radius: var(--radius);
  padding: 22px 18px;
  text-align: center;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}
.pillar-ic { font-size: 28px; }
@media (max-width: 720px) { .pillars { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .pillars { grid-template-columns: 1fr; } }

/* ============ TESTIMONIALS ============ */
.testimonials {
  background: #fff;
  padding: 80px 24px;
}
.reviews-grid {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.review-card {
  background: var(--soft);
  border: 1px solid var(--ring);
  border-radius: var(--radius);
  padding: 22px;
  display: flex;
  flex-direction: column;
}
.stars { color: var(--gold); font-size: 18px; letter-spacing: 2px; margin-bottom: 12px; }
.review-body {
  font-style: italic;
  color: var(--srm-slate);
  margin: 0 0 14px;
  line-height: 1.55;
  font-size: 15px;
}
.review-meta { font-size: 13px; color: var(--srm-muted); margin-top: auto; }
.reviews-more { text-align: center; margin-top: 28px; }
.reviews-more a { color: var(--srm-blue); font-weight: 700; }
@media (max-width: 900px) { .reviews-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .reviews-grid { grid-template-columns: 1fr; } }

/* ============ VIDEO ============ */
.video-section {
  background: var(--srm-navy);
  padding: 80px 24px;
  text-align: center;
  color: #fff;
}
.video-wrap {
  max-width: 800px;
  margin: 0 auto 16px;
  aspect-ratio: 16 / 9;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: #000;
}
.video-wrap video { width: 100%; height: 100%; object-fit: cover; }
.video-caption {
  font-style: italic;
  color: rgba(255, 255, 255, 0.85);
  font-size: 15px;
  max-width: 700px;
  margin: 0 auto;
}

/* ============ HOW IT WORKS ============ */
.how-it-works {
  background: var(--soft);
  padding: 80px 24px;
}
.steps-grid {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.step-card {
  background: #fff;
  border: 1px solid var(--ring);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
}
.step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--srm-amber);
  color: var(--srm-navy);
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
}
.step-h { font-size: 20px; margin: 0 0 8px; color: var(--ink); }
.step-body { font-size: 15px; color: var(--srm-slate); margin: 0; }
@media (max-width: 720px) { .steps-grid { grid-template-columns: 1fr; max-width: 420px; } }

/* ============ FAQ ============ */
.faq {
  background: #fff;
  padding: 80px 24px;
}
.faq-tabs {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin: 0 auto 32px;
  max-width: 800px;
}
.faq-tab {
  padding: 10px 18px;
  background: var(--soft);
  border: 1px solid var(--ring);
  border-radius: 99px;
  color: var(--srm-slate);
  font-weight: 600;
  font-size: 14px;
  transition: all 0.15s ease;
}
.faq-tab:hover { border-color: var(--srm-blue); color: var(--srm-blue); }
.faq-tab.active {
  background: var(--srm-blue);
  border-color: var(--srm-blue);
  color: #fff;
}
.faq-pane { display: none; max-width: 800px; margin: 0 auto; }
.faq-pane.active { display: block; }
.faq-pane details {
  border: 1px solid var(--ring);
  border-radius: var(--radius-sm);
  margin-bottom: 10px;
  background: var(--soft);
  overflow: hidden;
}
.faq-pane summary {
  padding: 16px 20px;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
  font-size: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-pane summary::-webkit-details-marker { display: none; }
.faq-pane summary::after {
  content: "+";
  font-size: 22px;
  color: var(--srm-blue);
  font-weight: 700;
  transition: transform 0.2s ease;
}
.faq-pane details[open] summary::after { content: "−"; }
.faq-pane details[open] summary { border-bottom: 1px solid var(--ring); }
.faq-pane details p {
  padding: 16px 20px;
  margin: 0;
  color: var(--srm-slate);
  font-size: 15px;
  line-height: 1.6;
}

/* ============ BOTTOM CTA ============ */
.bottom-cta {
  background: var(--srm-navy);
  padding: 100px 24px;
  text-align: center;
}
.bottom-h {
  color: #fff;
  font-size: clamp(28px, 5vw, 40px);
  margin: 0 0 12px;
}
.bottom-sub {
  color: rgba(255, 255, 255, 0.85);
  font-size: 18px;
  margin: 0 0 28px;
}

/* ============ FOOTER ============ */
#compliance-footer {
  background: rgba(11, 34, 64, 0.95);
  color: rgba(255, 255, 255, 0.85);
  padding: 40px 20px;
  text-align: center;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 13px;
  line-height: 1.7;
}
#compliance-footer img { margin: 0 auto 14px; }
.footer-line { margin: 6px 0; }
.footer-line a { color: #FFD44D; text-decoration: underline; }
.footer-line.links a { margin: 0 4px; }
.copyright { margin-top: 16px; opacity: 0.7; font-size: 12px; }

/* ============ OVERLAYS ============ */

/* Exit modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.65);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  padding: 20px;
  animation: fadeIn 0.2s ease;
}
.modal-overlay[hidden] { display: none; }
.modal {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  position: relative;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}
.modal-close {
  position: absolute;
  top: 12px;
  right: 14px;
  background: none;
  border: none;
  font-size: 28px;
  color: var(--srm-muted);
  cursor: pointer;
  line-height: 1;
}
.modal-ring { margin: 0 auto 16px; }
.modal-h { color: var(--ink); font-size: 26px; margin: 0 0 16px; }
.modal-stat { font-size: 16px; color: var(--srm-slate); margin: 6px 0; }
.modal-stat strong { color: var(--srm-blue); font-weight: 800; }
.modal .btn { margin-top: 18px; width: 100%; }

/* Social proof popup */
.social-proof {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: #fff;
  border: 1px solid var(--ring);
  border-radius: var(--radius);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 320px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
  z-index: 200;
  font-size: 13px;
  color: var(--srm-slate);
  animation: slideUp 0.3s ease;
}
.social-proof[hidden] { display: none; }
.sp-icon { font-size: 22px; }
.sp-text strong { color: var(--ink); }
@keyframes slideUp {
  from { transform: translateY(20px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
@media (max-width: 640px) {
  .social-proof { right: 12px; left: 12px; bottom: 80px; max-width: none; }
}

/* Scroll-up sticky bar */
.scroll-up-bar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background: #fff;
  border-bottom: 1px solid var(--ring);
  padding: 12px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  z-index: 150;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
  animation: slideDown 0.2s ease;
}
.scroll-up-bar[hidden] { display: none; }
@keyframes slideDown {
  from { transform: translateY(-100%); }
  to { transform: translateY(0); }
}
.sub-text { flex: 1; font-weight: 700; color: var(--ink); font-size: 14px; }
.sub-close {
  background: none;
  border: none;
  font-size: 22px;
  color: var(--srm-muted);
  padding: 0;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Floating call (mobile only) */
.floating-call {
  display: none;
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--srm-amber);
  color: var(--srm-navy);
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(244, 176, 0, 0.4);
  z-index: 200;
}
.floating-call svg { fill: var(--srm-navy); }
@media (max-width: 768px) {
  .floating-call { display: flex; }
}

/* Mini quote bar (mobile) */
.mini-quote-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #fff;
  border-top: 1px solid var(--ring);
  padding: 12px 16px;
  align-items: center;
  gap: 12px;
  z-index: 150;
  box-shadow: 0 -2px 10px rgba(0, 0, 0, 0.05);
}
.mini-quote-bar:not([hidden]) { display: flex; }
.mqr-estimate { flex: 1; font-size: 14px; color: var(--srm-slate); }
.mqr-estimate strong { color: var(--srm-amber); font-weight: 800; }
@media (max-width: 768px) {
  .mini-quote-bar:not([hidden]) { display: flex; }
}

/* ============ UTILITIES ============ */
[hidden] { display: none !important; }