/* =========================================================================
   AutoYes Finance — Design System
   Brand: AutoYes Finance · Burnaby, BC
   Palette: Navy #09224F · Green #42a547 · White
   (CSS variables retain --red names for stability; values are green.)
   ========================================================================= */

/* ---------- 1. Tokens ---------- */
:root {
  /* Brand */
  --fs-11: 0.6875rem;
  --navy: #09224F;
  --navy-900: #061639;
  --navy-700: #122E63;
  --navy-500: #1F4187;
  --navy-100: #E5EAF3;
  --navy-50:  #F2F5FA;

  --red: #42A547;
  --red-700: #2F7E33;
  --red-500: #5FBF63;
  --red-100: #DFF1E1;
  --red-50:  #F1F9F2;

  --cream: #FAF7F2;
  --white: #FFFFFF;

  --gray-50:  #F7F7F9;
  --gray-100: #EFEFF3;
  --gray-200: #E1E2E8;
  --gray-300: #C7C9D2;
  --gray-400: #8F92A0;
  --gray-500: #6B6E7C;
  --gray-700: #3F4250;
  --gray-900: #1A1C24;

  /* Type */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Type scale (modular, mobile-first; bumped at md breakpoint) */
  --fs-12: 0.75rem;
  --fs-13: 0.8125rem;
  --fs-14: 0.875rem;
  --fs-15: 0.9375rem;
  --fs-16: 1rem;
  --fs-17: 1.0625rem;
  --fs-18: 1.125rem;
  --fs-20: 1.25rem;
  --fs-22: 1.375rem;
  --fs-24: 1.5rem;
  --fs-28: 1.75rem;
  --fs-32: 2rem;
  --fs-36: 2.25rem;
  --fs-42: 2.625rem;
  --fs-48: 3rem;
  --fs-56: 3.5rem;
  --fs-64: 4rem;
  --fs-72: 4.5rem;
  --fs-88: 5.5rem;

  /* Spacing (8px grid) */
  --s-2: 0.125rem;
  --s-4: 0.25rem;
  --s-6: 0.375rem;
  --s-8: 0.5rem;
  --s-12: 0.75rem;
  --s-16: 1rem;
  --s-20: 1.25rem;
  --s-24: 1.5rem;
  --s-32: 2rem;
  --s-40: 2.5rem;
  --s-48: 3rem;
  --s-56: 3.5rem;
  --s-64: 4rem;
  --s-80: 5rem;
  --s-96: 6rem;
  --s-128: 8rem;
  --s-160: 10rem;

  /* Layout */
  --max-w: 1200px;
  --max-w-narrow: 880px;
  --max-w-wide: 1320px;

  /* Radii */
  --r-4: 4px;
  --r-8: 8px;
  --r-12: 12px;
  --r-16: 16px;
  --r-20: 20px;
  --r-24: 24px;
  --r-full: 999px;

  /* Shadows */
  --shadow-xs: 0 1px 2px rgba(9, 34, 79, 0.05);
  --shadow-sm: 0 2px 8px rgba(9, 34, 79, 0.06), 0 1px 2px rgba(9, 34, 79, 0.04);
  --shadow-md: 0 8px 24px rgba(9, 34, 79, 0.08), 0 2px 6px rgba(9, 34, 79, 0.04);
  --shadow-lg: 0 24px 48px rgba(9, 34, 79, 0.12), 0 4px 12px rgba(9, 34, 79, 0.06);
  --shadow-xl: 0 36px 72px rgba(9, 34, 79, 0.18), 0 8px 24px rgba(9, 34, 79, 0.08);
  --shadow-red: 0 8px 24px rgba(214, 39, 51, 0.25);

  /* Motion */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
  --t-fast: 150ms;
  --t-base: 250ms;
  --t-slow: 400ms;

  /* Header height (responsive — see breakpoints below) */
  --header-h: 88px;
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--fs-17);
  line-height: 1.65;
  color: var(--navy-900);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; height: auto; }
button { font-family: inherit; }
a { color: inherit; text-decoration: none; }
input, select, textarea, button {
  font-family: inherit;
  font-size: inherit;
  color: inherit;
}
:focus-visible {
  outline: 2px solid var(--red);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- 3. Type ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--navy);
  margin: 0;
  line-height: 1.05;
  letter-spacing: -0.025em;
  font-weight: 800;
}
h1 { font-size: clamp(2.75rem, 7vw, var(--fs-88)); letter-spacing: -0.035em; line-height: 0.98; }
h2 { font-size: clamp(2rem, 4.5vw, var(--fs-56)); letter-spacing: -0.03em; line-height: 1.04; }
h3 { font-size: clamp(1.5rem, 2.6vw, var(--fs-32)); }
h4 { font-size: var(--fs-22); }

p { margin: 0; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  font-size: var(--fs-13);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy);
}
.eyebrow .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--red); }

.lede {
  font-size: clamp(1.0625rem, 1.6vw, var(--fs-22));
  line-height: 1.55;
  color: var(--gray-700);
  font-weight: 400;
  max-width: 56ch;
}

.body-sm { font-size: var(--fs-14); line-height: 1.6; color: var(--gray-700); }

.fineprint { font-size: var(--fs-12); line-height: 1.55; color: var(--gray-500); letter-spacing: 0.01em; }

/* ---------- 4. Layout ---------- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--s-24);
}
.container-narrow { max-width: var(--max-w-narrow); margin-inline: auto; padding-inline: var(--s-24); }
.container-wide { max-width: var(--max-w-wide); margin-inline: auto; padding-inline: var(--s-24); }

@media (min-width: 768px) {
  .container, .container-narrow, .container-wide { padding-inline: var(--s-40); }
}

section { padding-block: var(--s-56); }
@media (min-width: 768px) { section { padding-block: var(--s-80); } }
@media (min-width: 1280px) { section { padding-block: var(--s-96); } }

.section-head {
  display: flex;
  flex-direction: column;
  gap: var(--s-12);
  margin-bottom: var(--s-40);
  max-width: 60ch;
}
.section-head h2 { text-wrap: balance; }
.section-head .lede { margin-top: var(--s-4); text-wrap: pretty; }
.section-head--center { margin-inline: auto; align-items: center; text-align: center; }
@media (min-width: 768px) { .section-head { margin-bottom: var(--s-56); gap: var(--s-16); } }

/* ---------- 5. Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--s-8);
  padding: var(--s-16) var(--s-24);
  border-radius: var(--r-full);
  font-weight: 600;
  font-size: var(--fs-16);
  line-height: 1;
  letter-spacing: -0.005em;
  cursor: pointer;
  border: none;
  transition: transform var(--t-base) var(--ease-out),
              background-color var(--t-base) var(--ease-out),
              box-shadow var(--t-base) var(--ease-out),
              color var(--t-base) var(--ease-out);
  white-space: nowrap;
}
.btn--lg { padding: var(--s-20) var(--s-32); font-size: var(--fs-17); }
.btn--xl { padding: var(--s-24) var(--s-40); font-size: var(--fs-18); }

.btn--primary {
  background: var(--red);
  color: var(--white);
  box-shadow: var(--shadow-red);
}
.btn--primary:hover { background: var(--red-700); transform: translateY(-1px); box-shadow: 0 12px 28px rgba(66, 165, 71, 0.32); }
.btn--primary:active { transform: translateY(0); }

.btn--navy {
  background: var(--navy);
  color: var(--white);
}
.btn--navy:hover { background: var(--navy-900); transform: translateY(-1px); }

.btn--ghost {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid rgba(9, 34, 79, 0.18);
}
.btn--ghost:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

.btn--white {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-sm);
}
.btn--white:hover { background: var(--cream); transform: translateY(-1px); }

.btn-link {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  font-weight: 600;
  color: var(--navy);
  border-bottom: 1px solid currentColor;
  padding-bottom: 2px;
  transition: gap var(--t-base) var(--ease-out), color var(--t-base) var(--ease-out);
}
.btn-link:hover { gap: var(--s-12); color: var(--red); }

/* ---------- 6. Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  height: var(--header-h);
  background: rgba(250, 247, 242, 0.85);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--t-base) var(--ease-out), background var(--t-base) var(--ease-out);
}
.site-header.is-scrolled { border-bottom-color: rgba(9, 34, 79, 0.08); }
@media (min-width: 768px) { :root { --header-h: 112px; } }
@media (min-width: 1024px) { :root { --header-h: 144px; } }
.site-header__inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-24);
}
.site-header__brand { display: flex; align-items: center; gap: var(--s-16); }
.site-header__logo { height: 72px; width: auto; display: block; }
@media (min-width: 768px) {
  .site-header__logo { height: 96px; }
}
@media (min-width: 1024px) {
  .site-header__logo { height: 128px; }
}
.site-header__powered {
  display: none;
  font-size: var(--fs-11, 0.6875rem);
  color: var(--gray-500);
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-left: 1px solid var(--gray-200);
  padding-left: var(--s-16);
  line-height: 1.4;
}
.site-header__powered strong { color: var(--navy); font-weight: 600; }
.site-header__nav { display: none; gap: var(--s-24); margin-inline: auto; align-items: center; }
@media (min-width: 1280px) { .site-header__nav { gap: var(--s-32); } }
.site-header__nav a {
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--gray-700);
  transition: color var(--t-fast) var(--ease-out);
  white-space: nowrap;
}
.site-header__nav a:hover { color: var(--navy); }
.site-header__cta { display: flex; align-items: center; gap: var(--s-12); }
.site-header__phone {
  display: none;
  align-items: center;
  gap: var(--s-8);
  font-weight: 600;
  font-size: var(--fs-14);
  color: var(--navy);
  white-space: nowrap;
}
.site-header__phone svg { width: 16px; height: 16px; }

@media (min-width: 768px) {
  .site-header__powered { display: block; }
}
@media (min-width: 1024px) {
  .site-header__nav { display: flex; }
  .site-header__phone { display: inline-flex; }
}

/* ---------- 7. Hero ---------- */
.hero {
  position: relative;
  padding-block: var(--s-56) var(--s-96);
  overflow: hidden;
  background:
    radial-gradient(120% 80% at 80% 0%, rgba(214, 39, 51, 0.06), transparent 50%),
    radial-gradient(80% 60% at 0% 100%, rgba(9, 34, 79, 0.05), transparent 50%),
    linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
}
@media (min-width: 768px) {
  .hero { padding-block: var(--s-96) var(--s-128); }
}
.hero__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-48);
  align-items: center;
}
@media (min-width: 1024px) {
  .hero__grid { grid-template-columns: 1.15fr 1fr; gap: var(--s-80); }
}
.hero__content { display: flex; flex-direction: column; gap: var(--s-24); }
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  background: var(--white);
  border: 1px solid var(--navy-100);
  padding: var(--s-8) var(--s-16);
  border-radius: var(--r-full);
  font-size: var(--fs-13);
  font-weight: 500;
  color: var(--navy);
  width: fit-content;
  box-shadow: var(--shadow-xs);
}
.hero__badge .pulse {
  width: 8px; height: 8px; border-radius: 50%; background: var(--red);
  box-shadow: 0 0 0 0 rgba(214, 39, 51, 0.6);
  animation: pulse 2.4s cubic-bezier(0.4, 0, 0.6, 1) infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(214, 39, 51, 0.6); }
  50% { box-shadow: 0 0 0 8px rgba(214, 39, 51, 0); }
}

.hero__h1 {
  font-size: clamp(2.75rem, 7.5vw, var(--fs-88));
  letter-spacing: -0.04em;
  line-height: 0.96;
}
.hero__h1 .dot { color: var(--red); }
.hero__h1 .line2 {
  display: block;
  font-weight: 600;
  color: var(--navy);
  margin-top: var(--s-12);
  font-size: clamp(1.5rem, 3.6vw, var(--fs-48));
  letter-spacing: -0.025em;
  line-height: 1.1;
  opacity: 0.92;
  text-wrap: balance;
}

.hero__sub {
  font-size: clamp(1.0625rem, 1.6vw, var(--fs-20));
  line-height: 1.55;
  color: var(--gray-700);
  max-width: 52ch;
}

.hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-12);
  margin-top: var(--s-8);
}

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--s-12) var(--s-20);
  margin-top: var(--s-32);
  padding-top: var(--s-24);
  border-top: 1px solid var(--gray-200);
}
.hero__trust-item {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  font-size: var(--fs-13);
  font-weight: 500;
  color: var(--gray-700);
  white-space: nowrap;
}
.hero__trust-item .stars { color: var(--red); letter-spacing: -0.04em; font-weight: 700; font-size: var(--fs-14); }
.hero__trust-item .num { color: var(--navy); font-weight: 700; }
@media (min-width: 1024px) {
  .hero__trust-item { font-size: var(--fs-14); }
}

/* Hero image */
.hero__visual {
  position: relative;
  aspect-ratio: 4/5;
  border-radius: var(--r-24);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
@media (min-width: 1024px) {
  .hero__visual { aspect-ratio: 5/6; }
}
.hero__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ---------- 8. Image placeholders ---------- */
.placeholder {
  position: relative;
  width: 100%;
  height: 100%;
  background:
    repeating-linear-gradient(45deg, rgba(9, 34, 79, 0.03) 0 2px, transparent 2px 12px),
    linear-gradient(135deg, var(--navy-50) 0%, var(--navy-100) 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--s-32);
  color: var(--navy);
  border: 1.5px dashed rgba(9, 34, 79, 0.18);
  border-radius: inherit;
}
.placeholder__icon {
  width: 56px; height: 56px;
  background: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--s-16);
  box-shadow: var(--shadow-sm);
}
.placeholder__icon svg { width: 28px; height: 28px; color: var(--navy); }
.placeholder__label {
  font-size: var(--fs-13);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: var(--s-8);
}
.placeholder__caption {
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.45;
  max-width: 36ch;
}
.placeholder__dim {
  margin-top: var(--s-12);
  font-size: var(--fs-12);
  color: var(--gray-500);
  font-family: 'SFMono-Regular', Menlo, Consolas, monospace;
}

/* ---------- 9. Segments ---------- */
.segments { background: var(--white); }
.segments__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-12);
  margin-top: var(--s-32);
}
@media (min-width: 640px) { .segments__grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .segments__grid { grid-template-columns: repeat(5, 1fr); gap: var(--s-16); } }

.segment-tile {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--s-12);
  padding: var(--s-24);
  background: var(--cream);
  border: 1.5px solid transparent;
  border-radius: var(--r-16);
  text-align: left;
  cursor: pointer;
  transition: transform var(--t-base) var(--ease-out),
              border-color var(--t-base) var(--ease-out),
              background var(--t-base) var(--ease-out),
              box-shadow var(--t-base) var(--ease-out);
  width: 100%;
}
.segment-tile:hover {
  transform: translateY(-2px);
  border-color: var(--red);
  background: var(--white);
  box-shadow: var(--shadow-md);
}
.segment-tile__icon {
  width: 44px; height: 44px;
  border-radius: var(--r-12);
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.segment-tile:hover .segment-tile__icon { background: var(--red); }
.segment-tile__icon svg { width: 20px; height: 20px; }
.segment-tile__title {
  font-weight: 700;
  font-size: var(--fs-17);
  color: var(--navy);
  letter-spacing: -0.015em;
  line-height: 1.25;
}
.segment-tile__sub {
  font-size: var(--fs-13);
  color: var(--gray-500);
  line-height: 1.5;
}
.segment-tile__arrow {
  margin-top: auto;
  font-size: var(--fs-13);
  font-weight: 600;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: var(--s-4);
  opacity: 0;
  transform: translateX(-4px);
  transition: opacity var(--t-base) var(--ease-out), transform var(--t-base) var(--ease-out);
}
.segment-tile:hover .segment-tile__arrow { opacity: 1; transform: translateX(0); }

.segments__escape {
  margin-top: var(--s-32);
  text-align: center;
}

/* ---------- 10. How it works ---------- */
.how { background: var(--cream); }
.how__steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-24);
  margin-top: var(--s-48);
}
@media (min-width: 768px) {
  .how__steps { grid-template-columns: repeat(3, 1fr); gap: var(--s-32); }
}
.how-step {
  position: relative;
  padding: var(--s-32);
  background: var(--white);
  border-radius: var(--r-20);
  border: 1px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: var(--s-16);
  transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base) var(--ease-out);
}
.how-step:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.how-step__num {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  font-size: var(--fs-18);
  letter-spacing: -0.02em;
}
.how-step:nth-child(2) .how-step__num { background: var(--red); }
.how-step__title { font-size: var(--fs-22); font-weight: 700; color: var(--navy); letter-spacing: -0.02em; }
.how-step__body { font-size: var(--fs-15); color: var(--gray-700); line-height: 1.6; }
.how-step__meta {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  font-size: var(--fs-12);
  color: var(--navy);
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: var(--navy-50);
  padding: var(--s-6) var(--s-12);
  border-radius: var(--r-full);
  align-self: flex-start;
}
.how-step:nth-child(2) .how-step__meta {
  background: var(--red-50);
  color: var(--red-700);
}
.how__cta { margin-top: var(--s-48); text-align: center; }

/* ---------- 11. Inventory ---------- */
.inventory { background: var(--white); }
.inventory__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-24);
  margin-top: var(--s-48);
}
@media (min-width: 640px) { .inventory__grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .inventory__grid { grid-template-columns: repeat(3, 1fr); } }

.vehicle-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-20);
  overflow: hidden;
  transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base) var(--ease-out);
}
.vehicle-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.vehicle-card__img {
  aspect-ratio: 16/10;
  background: var(--navy-50);
  position: relative;
  overflow: hidden;
}
.vehicle-card__img .placeholder { font-size: var(--fs-12); padding: var(--s-16); border: none; border-radius: 0; }
.vehicle-card__body { padding: var(--s-24); display: flex; flex-direction: column; gap: var(--s-8); flex: 1; }
.vehicle-card__year { font-size: var(--fs-12); font-weight: 600; color: var(--gray-500); letter-spacing: 0.06em; text-transform: uppercase; }
.vehicle-card__name { font-size: var(--fs-20); font-weight: 700; color: var(--navy); letter-spacing: -0.02em; line-height: 1.2; }
.vehicle-card__pay {
  display: flex; align-items: baseline; gap: var(--s-6);
  margin-top: var(--s-8);
}
.vehicle-card__pay .amt { font-size: var(--fs-32); font-weight: 800; color: var(--red); letter-spacing: -0.03em; line-height: 1; }
.vehicle-card__pay .freq { font-size: var(--fs-14); font-weight: 500; color: var(--gray-500); }
.vehicle-card__price { font-size: var(--fs-13); color: var(--gray-500); }
.vehicle-card__price .sticker { font-weight: 600; color: var(--gray-700); }
.vehicle-card__cta {
  margin-top: var(--s-16);
  padding-top: var(--s-16);
  border-top: 1px solid var(--gray-100);
}
.vehicle-card__cta a {
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  font-size: var(--fs-14);
  font-weight: 600;
  color: var(--navy);
  transition: gap var(--t-base) var(--ease-out), color var(--t-base) var(--ease-out);
}
.vehicle-card__cta a:hover { color: var(--red); gap: var(--s-12); }

.inventory__foot {
  margin-top: var(--s-48);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--s-16);
  text-align: center;
}
.inventory__disclosure {
  margin-top: var(--s-32);
  max-width: 64ch;
  margin-inline: auto;
  text-align: center;
}

/* ---------- 12. Advantage ---------- */
.advantage { background: var(--navy); color: var(--white); position: relative; overflow: hidden; }
.advantage::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(60% 50% at 100% 0%, rgba(214, 39, 51, 0.18), transparent 60%),
    radial-gradient(50% 40% at 0% 100%, rgba(255, 255, 255, 0.06), transparent 60%);
  pointer-events: none;
}
.advantage > * { position: relative; }
.advantage h2 { color: var(--white); }
.advantage .eyebrow { color: var(--white); opacity: 0.8; }
.advantage .lede { color: rgba(255, 255, 255, 0.78); }

.advantage__pillars {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-24);
  margin-top: var(--s-56);
}
@media (min-width: 768px) { .advantage__pillars { grid-template-columns: repeat(3, 1fr); gap: var(--s-32); } }
.pillar {
  padding: var(--s-32);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r-20);
  display: flex;
  flex-direction: column;
  gap: var(--s-16);
  backdrop-filter: blur(8px);
}
.pillar__icon {
  width: 52px; height: 52px;
  border-radius: var(--r-12);
  background: var(--red);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 16px rgba(214, 39, 51, 0.25);
}
.pillar:nth-child(2) .pillar__icon { background: rgba(255, 255, 255, 0.1); box-shadow: none; border: 1px solid rgba(255, 255, 255, 0.2); }
.pillar:nth-child(3) .pillar__icon { background: var(--red); }
.pillar__icon svg { width: 24px; height: 24px; color: var(--white); }
.pillar h3 { color: var(--white); font-size: var(--fs-24); letter-spacing: -0.02em; }
.pillar p { color: rgba(255, 255, 255, 0.75); font-size: var(--fs-15); line-height: 1.65; }

.advantage__team {
  margin-top: var(--s-80);
  padding-top: var(--s-56);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.team-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-24);
  margin-top: var(--s-32);
}
@media (min-width: 640px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .team-grid { grid-template-columns: repeat(4, 1fr); } }
.team-card { display: flex; flex-direction: column; gap: var(--s-12); }
.team-card__photo {
  aspect-ratio: 1;
  border-radius: var(--r-16);
  overflow: hidden;
  background: rgba(255, 255, 255, 0.06);
}
.team-card__photo .placeholder {
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.7);
}
.team-card__photo .placeholder__icon { background: rgba(255, 255, 255, 0.1); }
.team-card__photo .placeholder__icon svg { color: var(--white); }
.team-card__photo .placeholder__label { color: rgba(255, 255, 255, 0.6); }
.team-card__photo .placeholder__caption { color: rgba(255, 255, 255, 0.85); }
.team-card__name { font-weight: 700; color: var(--white); font-size: var(--fs-17); }
.team-card__role { font-size: var(--fs-13); color: rgba(255, 255, 255, 0.6); }

/* ---------- 13. Lender stack ---------- */
.lenders { background: var(--cream); }
.lender-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-12);
  margin-top: var(--s-48);
  align-items: center;
}
@media (min-width: 640px) { .lender-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .lender-grid { grid-template-columns: repeat(6, 1fr); } }
.lender-cell {
  aspect-ratio: 16/9;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-12);
  display: flex; align-items: center; justify-content: center;
  padding: var(--s-16);
  font-weight: 600;
  font-size: var(--fs-13);
  color: var(--gray-500);
  letter-spacing: -0.005em;
  transition: border-color var(--t-base) var(--ease-out), color var(--t-base) var(--ease-out);
}
.lender-cell:hover { border-color: var(--navy); color: var(--navy); }

/* ---------- 14. Reviews ---------- */
.reviews { background: var(--white); }
.reviews__head {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--s-12);
}
.reviews__rating {
  display: inline-flex;
  align-items: center;
  gap: var(--s-12);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.04em;
  font-size: clamp(2.5rem, 5vw, var(--fs-64));
  line-height: 1;
}
.reviews__rating .stars { color: var(--red); font-size: clamp(1.5rem, 3vw, var(--fs-32)); letter-spacing: -0.05em; }
.reviews__count {
  color: var(--gray-500);
  font-size: var(--fs-15);
  text-align: center;
  margin: 0;
}
.reviews__count strong { color: var(--navy); font-weight: 600; }
.reviews__count .g-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  vertical-align: baseline;
}
.reviews__count .g-mark {
  width: 16px;
  height: 16px;
  display: inline-block;
  flex-shrink: 0;
  position: relative;
  top: 1px;
}

.reviews__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-24);
  margin-top: var(--s-56);
}
@media (min-width: 768px) { .reviews__grid { grid-template-columns: repeat(3, 1fr); } }
.review-card {
  padding: var(--s-32);
  background: var(--cream);
  border-radius: var(--r-20);
  display: flex;
  flex-direction: column;
  gap: var(--s-16);
}
.review-card__stars { color: var(--red); font-size: var(--fs-14); letter-spacing: -0.05em; font-weight: 700; }
.review-card__quote {
  font-size: var(--fs-17);
  line-height: 1.6;
  color: var(--navy-900);
  font-weight: 500;
}
.review-card__attribution { display: flex; align-items: center; gap: var(--s-12); margin-top: auto; padding-top: var(--s-12); }
.review-card__avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy-100);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: var(--fs-14);
}
.review-card__name { font-weight: 600; color: var(--navy); font-size: var(--fs-14); }
.review-card__city { font-size: var(--fs-12); color: var(--gray-500); }

/* ---------- 15. FAQ ---------- */
.faq { background: var(--cream); }
.faq__list { margin-top: var(--s-48); display: flex; flex-direction: column; gap: var(--s-8); }
.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-16);
  overflow: hidden;
  transition: border-color var(--t-base) var(--ease-out);
}
.faq-item[open] { border-color: var(--navy); box-shadow: var(--shadow-sm); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: var(--s-24) var(--s-32);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-24);
  font-weight: 600;
  font-size: var(--fs-17);
  color: var(--navy);
  letter-spacing: -0.015em;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '';
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  background: var(--navy-50);
  border-radius: 50%;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2309224F' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E");
  background-position: center;
  background-repeat: no-repeat;
  background-size: 14px;
  transition: transform var(--t-base) var(--ease-out), background-color var(--t-base) var(--ease-out);
}
.faq-item[open] summary::after {
  background-color: var(--red);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M5 12h14'/%3E%3C/svg%3E");
  transform: rotate(0);
}
.faq-item__body {
  padding: 0 var(--s-32) var(--s-24);
  color: var(--gray-700);
  font-size: var(--fs-16);
  line-height: 1.7;
  max-width: 64ch;
}

/* ---------- 16. Final CTA ---------- */
.final-cta { background: var(--navy); color: var(--white); position: relative; overflow: hidden; text-align: center; }
.final-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(50% 50% at 50% 0%, rgba(214, 39, 51, 0.2), transparent 60%);
  pointer-events: none;
}
.final-cta__inner { position: relative; max-width: 640px; margin-inline: auto; }
.final-cta h2 { color: var(--white); }
.final-cta__sub {
  margin-top: var(--s-16);
  font-size: var(--fs-18);
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.6;
}
.final-cta__btn { margin-top: var(--s-32); }
.final-cta__phone {
  margin-top: var(--s-32);
  font-size: var(--fs-15);
  color: rgba(255, 255, 255, 0.7);
}
.final-cta__phone a { color: var(--white); font-weight: 600; border-bottom: 1px solid rgba(255, 255, 255, 0.4); }
.final-cta__phone a:hover { border-bottom-color: var(--red); }

/* ---------- 17. Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.7);
  padding-block: var(--s-80) var(--s-32);
  font-size: var(--fs-14);
  line-height: 1.65;
}
.site-footer__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-48);
}
@media (min-width: 768px) { .site-footer__grid { grid-template-columns: 1.4fr 1fr 1fr; } }
@media (min-width: 1024px) { .site-footer__grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } }
.footer-brand__logo { height: 88px; width: auto; filter: brightness(0) invert(1); margin-bottom: var(--s-20); }
@media (min-width: 768px) { .footer-brand__logo { height: 96px; } }
.footer-brand__text { color: rgba(255, 255, 255, 0.6); max-width: 36ch; }
.footer-col h4 { color: var(--white); font-size: var(--fs-14); font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: var(--s-16); }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: var(--s-8); }
.footer-col a { color: rgba(255, 255, 255, 0.7); transition: color var(--t-fast) var(--ease-out); }
.footer-col a:hover { color: var(--white); }
.footer-contact { display: flex; flex-direction: column; gap: var(--s-12); }
.footer-contact__item { display: flex; gap: var(--s-12); align-items: flex-start; }
.footer-contact__item svg { width: 18px; height: 18px; color: var(--red); margin-top: 2px; flex-shrink: 0; }
.footer-bottom {
  margin-top: var(--s-64);
  padding-top: var(--s-32);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  flex-direction: column;
  gap: var(--s-16);
  font-size: var(--fs-12);
  color: rgba(255, 255, 255, 0.5);
}
@media (min-width: 768px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; }
}
.footer-legal { display: flex; flex-wrap: wrap; gap: var(--s-16) var(--s-24); }
.footer-legal a { color: rgba(255, 255, 255, 0.6); }
.footer-legal a:hover { color: var(--white); }

/* ---------- 18. Apply (form page) ---------- */
.apply-shell { min-height: 100vh; background: var(--cream); display: flex; flex-direction: column; }
.apply-header {
  padding: var(--s-16) var(--s-20);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-16);
  border-bottom: 1px solid var(--gray-200);
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 30;
}
@media (min-width: 768px) { .apply-header { padding: var(--s-20) var(--s-24); } }
.apply-header img { height: 32px; }
@media (min-width: 768px) { .apply-header img { height: 40px; } }
.apply-header__exit {
  font-size: var(--fs-13);
  color: var(--gray-500);
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: var(--s-6);
}
.apply-header__exit:hover { color: var(--red); }

.apply-progress {
  background: var(--white);
  padding: var(--s-16) var(--s-24);
  border-bottom: 1px solid var(--gray-200);
}
.apply-progress__inner { max-width: 720px; margin-inline: auto; }
.apply-progress__bar {
  height: 6px;
  background: var(--gray-100);
  border-radius: var(--r-full);
  overflow: hidden;
}
.apply-progress__fill {
  height: 100%;
  width: 20%;
  background: linear-gradient(90deg, var(--red) 0%, var(--red-700) 100%);
  border-radius: inherit;
  transition: width var(--t-slow) var(--ease-out);
}
.apply-progress__meta {
  margin-top: var(--s-8);
  display: flex;
  justify-content: space-between;
  font-size: var(--fs-12);
  color: var(--gray-500);
  font-weight: 500;
}
.apply-progress__meta strong { color: var(--navy); font-weight: 700; }

.apply-main {
  flex: 1;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: var(--s-48) var(--s-24);
}
@media (min-width: 768px) { .apply-main { padding: var(--s-80) var(--s-40); } }

.apply-step {
  width: 100%;
  max-width: 640px;
  display: none;
  flex-direction: column;
  gap: var(--s-32);
}
.apply-step.is-active { display: flex; }
.apply-step__h {
  display: flex;
  flex-direction: column;
  gap: var(--s-12);
}
.apply-step__h h2 {
  font-size: clamp(1.75rem, 4vw, var(--fs-42));
  letter-spacing: -0.025em;
  line-height: 1.05;
}
.apply-step__h p { color: var(--gray-700); font-size: var(--fs-16); line-height: 1.6; max-width: 52ch; }
.apply-step__h .reassure {
  font-size: var(--fs-13);
  color: var(--navy);
  background: var(--navy-50);
  padding: var(--s-8) var(--s-16);
  border-radius: var(--r-full);
  display: inline-flex;
  align-items: center;
  gap: var(--s-8);
  width: fit-content;
  font-weight: 500;
}
.apply-step__h .reassure svg { width: 14px; height: 14px; color: var(--red); }

/* Vehicle tile selection */
.vehicle-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-12);
}
@media (min-width: 480px) { .vehicle-grid { grid-template-columns: repeat(4, 1fr); } }
.vehicle-pick {
  aspect-ratio: 1;
  border: 2px solid var(--gray-200);
  background: var(--white);
  border-radius: var(--r-16);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--s-12);
  cursor: pointer;
  font-weight: 600;
  font-size: var(--fs-14);
  color: var(--navy);
  transition: border-color var(--t-base), background var(--t-base), transform var(--t-base);
}
.vehicle-pick:hover { border-color: var(--navy); transform: translateY(-2px); }
.vehicle-pick.is-selected { border-color: var(--red); background: var(--red-50); }
.vehicle-pick svg { width: 40px; height: 40px; color: var(--navy); }
.vehicle-pick.is-selected svg { color: var(--red); }

/* Form fields */
.field { display: flex; flex-direction: column; gap: var(--s-8); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-16); }
@media (max-width: 480px) { .field-grid { grid-template-columns: 1fr; } }
.field-grid--3 { display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: var(--s-12); }

.field label {
  font-size: var(--fs-13);
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.005em;
}
.field input, .field select {
  padding: var(--s-16);
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-12);
  font-size: var(--fs-16);
  color: var(--navy);
  transition: border-color var(--t-base) var(--ease-out), box-shadow var(--t-base) var(--ease-out);
  font-weight: 500;
}
.field input::placeholder { color: var(--gray-400); font-weight: 400; }
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 4px var(--navy-50);
}
.field-note { font-size: var(--fs-12); color: var(--gray-500); }

/* Tabbed input (phone/email) */
.contact-tabs {
  display: flex;
  background: var(--gray-100);
  padding: 4px;
  border-radius: var(--r-12);
  width: fit-content;
}
.contact-tabs button {
  padding: var(--s-8) var(--s-20);
  border-radius: var(--r-8);
  border: none;
  background: transparent;
  font-weight: 600;
  font-size: var(--fs-13);
  color: var(--gray-500);
  cursor: pointer;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: background var(--t-base) var(--ease-out), color var(--t-base) var(--ease-out);
}
.contact-tabs button.is-active { background: var(--white); color: var(--navy); box-shadow: var(--shadow-xs); }

/* Consent boxes */
.consent {
  padding: var(--s-20);
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-12);
  display: flex;
  gap: var(--s-12);
  align-items: flex-start;
  cursor: pointer;
  transition: border-color var(--t-base);
}
.consent:hover { border-color: var(--navy); }
.consent input[type="checkbox"] {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  accent-color: var(--red);
  margin-top: 2px;
}
.consent__text { font-size: var(--fs-14); line-height: 1.55; color: var(--gray-700); }
.consent__text strong { color: var(--navy); }

/* Step nav */
.step-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-12);
  padding-top: var(--s-16);
  border-top: 1px solid var(--gray-200);
}

/* Trust footer on form */
.apply-trust {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--s-12);
  margin-top: var(--s-48);
  padding-top: var(--s-32);
  text-align: center;
}
.apply-trust__row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: var(--s-8) var(--s-24); }
.apply-trust__item { display: inline-flex; align-items: center; gap: var(--s-6); font-size: var(--fs-12); color: var(--gray-500); font-weight: 500; }
.apply-trust__item svg { width: 14px; height: 14px; color: var(--red); }

/* SMS code input row */
.code-row { display: flex; gap: var(--s-8); justify-content: center; }
.code-row input {
  width: 48px; height: 60px;
  text-align: center;
  font-size: var(--fs-24);
  font-weight: 700;
  color: var(--navy);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-12);
  background: var(--white);
}
.code-row input:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px var(--navy-50); }

/* ---------- 18b. Apply (new question-by-question flow) ---------- */
.apply-main--centered { padding: var(--s-24) var(--s-16); }
@media (min-width: 480px) { .apply-main--centered { padding: var(--s-32) var(--s-24); } }
@media (min-width: 768px) { .apply-main--centered { padding: var(--s-64) var(--s-40); } }

.qstep {
  width: 100%;
  max-width: 560px;
  margin: 0 auto;
  padding: 0;
  display: none;
  flex-direction: column;
  align-items: stretch;
  gap: var(--s-16);
  text-align: center;
}
@media (min-width: 768px) { .qstep { gap: var(--s-20); } }
.qstep.is-active { display: flex; }

.qstep__avatar {
  display: flex;
  justify-content: center;
  margin-bottom: var(--s-4);
}
.qstep__avatar img { height: 56px; width: auto; opacity: 0.95; }
@media (min-width: 768px) {
  .qstep__avatar img { height: 72px; }
}

.qstep__h {
  font-size: clamp(1.375rem, 5.2vw, var(--fs-32));
  letter-spacing: -0.025em;
  line-height: 1.18;
  color: var(--navy);
  margin: 0;
  text-wrap: balance;
}
.qstep__sub {
  color: var(--gray-500);
  font-size: var(--fs-14);
  margin: 0;
  letter-spacing: 0.01em;
}

.qstep__legal {
  font-size: var(--fs-13);
  color: var(--gray-500);
  line-height: 1.55;
  margin: 0;
}
.qstep__legal a { color: var(--gray-700); text-decoration: underline; text-underline-offset: 2px; }
.qstep__legal--small { font-size: var(--fs-12); text-align: left; }

/* Vehicle photo tiles */
.vehicle-tiles {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-12);
  margin-top: var(--s-8);
}
@media (min-width: 480px) { .vehicle-tiles { grid-template-columns: repeat(4, 1fr); } }
.vehicle-tile {
  border: 2px solid transparent;
  background: transparent;
  border-radius: var(--r-12);
  padding: var(--s-8);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--s-8);
  cursor: pointer;
  transition: border-color var(--t-base), background var(--t-base);
}
.vehicle-tile:hover { background: var(--white); }
.vehicle-tile.is-selected { border-color: var(--red); background: var(--white); }
.vehicle-tile__photo {
  width: 100%;
  aspect-ratio: 16 / 11;
  border-radius: var(--r-12);
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 1px 2px rgba(9, 34, 79, 0.04);
}
.vehicle-tile__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.vehicle-tile__label {
  font-size: var(--fs-16);
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.01em;
}

/* Stacked option buttons */
.option-list {
  display: flex;
  flex-direction: column;
  gap: var(--s-12);
  text-align: center;
  margin-top: var(--s-8);
}
.option-list--compact { gap: var(--s-8); }
.option-row {
  width: 100%;
  padding: var(--s-14, 0.875rem) var(--s-20);
  background: var(--white);
  border: 2px solid transparent;
  border-radius: var(--r-12);
  font-size: var(--fs-15);
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  text-align: center;
  transition: border-color var(--t-base), background var(--t-base);
  font-family: inherit;
  min-height: 48px;
}
@media (min-width: 768px) {
  .option-row { padding: var(--s-16) var(--s-20); min-height: 52px; }
}
.option-row:hover { border-color: var(--gray-300); }
.option-row.is-selected { border-color: var(--red); }

/* Single field wrapper centered */
.qstep__field {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: var(--s-6);
  margin-top: var(--s-8);
}
.qstep__field input,
.qstep__field select {
  padding: var(--s-16) var(--s-20);
  background: var(--white);
  border: 1.5px solid transparent;
  border-radius: var(--r-12);
  font-size: var(--fs-16);
  color: var(--navy);
  text-align: center;
  font-weight: 500;
  font-family: inherit;
  transition: border-color var(--t-base), box-shadow var(--t-base);
}
.qstep__field input:focus,
.qstep__field select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 4px var(--red-50);
}
.qstep__field .field-note {
  text-align: center;
  font-size: var(--fs-13);
  color: var(--gray-500);
}
.qstep__field .field-hint {
  text-align: center;
  font-size: var(--fs-12);
  color: var(--gray-400);
}

.qstep__field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-12);
  margin-top: var(--s-8);
}
.qstep__field-row .field {
  display: flex;
  flex-direction: column-reverse;
  gap: var(--s-6);
}
.qstep__field-row .field input,
.qstep__field-row .field select {
  padding: var(--s-16) var(--s-20);
  background: var(--white);
  border: 1.5px solid transparent;
  border-radius: var(--r-12);
  font-size: var(--fs-16);
  color: var(--navy);
  text-align: center;
  font-family: inherit;
  font-weight: 500;
}
.qstep__field-row .field input:focus,
.qstep__field-row .field select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 4px var(--red-50);
}
.qstep__field-row .field-note {
  text-align: center;
  font-size: var(--fs-13);
  color: var(--gray-500);
}
@media (max-width: 480px) {
  .qstep__field-row { grid-template-columns: 1fr; }
}

/* Address composite */
.address-grid {
  display: flex;
  flex-direction: column;
  gap: var(--s-16);
  margin-top: var(--s-8);
}
.address-grid .field {
  display: flex;
  flex-direction: column-reverse;
  gap: var(--s-6);
}
.address-grid .field input,
.address-grid .field select {
  padding: var(--s-16) var(--s-20);
  background: var(--white);
  border: 1.5px solid transparent;
  border-radius: var(--r-12);
  font-size: var(--fs-16);
  color: var(--navy);
  text-align: center;
  font-family: inherit;
  font-weight: 500;
}
.address-grid .field input:focus,
.address-grid .field select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 4px var(--red-50);
}
.address-grid .field-note {
  text-align: center;
  font-size: var(--fs-13);
  color: var(--gray-500);
}
.address-grid__expanded { display: flex; flex-direction: column; gap: var(--s-16); }
.address-grid__row {
  display: grid;
  grid-template-columns: 1fr 1fr 0.8fr;
  gap: var(--s-12);
}
@media (max-width: 560px) {
  .address-grid__row { grid-template-columns: 1fr; }
}

/* Duration (years/months) */
.duration-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-12);
  margin-top: var(--s-4);
}
.duration-grid select {
  padding: var(--s-16) var(--s-20);
  background: var(--white);
  border: 1.5px solid transparent;
  border-radius: var(--r-12);
  font-size: var(--fs-16);
  color: var(--navy);
  text-align: center;
  font-family: inherit;
  font-weight: 500;
}
.duration-grid select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 4px var(--red-50);
}

/* Step nav (back + continue) */
.qstep__nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-12);
  margin-top: var(--s-12);
}
.qstep__nav--single { justify-content: center; }
.qstep__nav .btn-link {
  font-weight: 600;
  color: var(--navy);
  font-size: var(--fs-14);
  padding: var(--s-12) var(--s-20);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-full);
  background: var(--white);
  border-bottom-width: 1.5px;
  cursor: pointer;
  transition: border-color var(--t-base) var(--ease-out),
              background var(--t-base) var(--ease-out),
              color var(--t-base) var(--ease-out);
}
.qstep__nav .btn-link:hover {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
  gap: var(--s-8);
}

/* Submit button override */
.btn--submit {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
}

/* Thanks page */
.qstep--thanks {
  max-width: 960px;
  padding: 0;
  text-align: left;
}
.thanks-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-32);
  align-items: start;
}
@media (min-width: 768px) {
  .thanks-grid { grid-template-columns: 0.9fr 1.1fr; gap: var(--s-48); }
}
.thanks-grid__image .placeholder {
  aspect-ratio: 1 / 1;
  border-radius: var(--r-16);
}
.thanks-grid__image img {
  width: 100%;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  border-radius: var(--r-16);
  display: block;
}
.thanks-grid__copy h1 {
  font-size: clamp(1.75rem, 4vw, var(--fs-32));
  letter-spacing: -0.025em;
  color: var(--navy);
  margin: 0 0 var(--s-16);
}
.thanks-grid__copy p {
  color: var(--gray-700);
  font-size: var(--fs-15);
  line-height: 1.6;
  margin: 0 0 var(--s-12);
}
.thanks-grid__email {
  margin-top: var(--s-24);
  font-size: var(--fs-14);
}
.thanks-grid__email a {
  color: var(--red);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Disabled state for primary CTA in qstep */
.qstep__nav .btn--primary[disabled] {
  opacity: 0.4;
  cursor: not-allowed;
  pointer-events: none;
}

/* ---------- 18c. Program (segment landing) pages ---------- */
.program-hero {
  position: relative;
  padding-block: var(--s-48) var(--s-56);
  background:
    radial-gradient(80% 60% at 90% 0%, rgba(66, 165, 71, 0.06), transparent 60%),
    linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
}
@media (min-width: 768px) { .program-hero { padding-block: var(--s-80) var(--s-96); } }
.program-hero__crumb {
  display: inline-flex;
  align-items: center;
  gap: var(--s-6);
  font-size: var(--fs-13);
  font-weight: 500;
  color: var(--gray-500);
  margin-bottom: var(--s-24);
  transition: color var(--t-fast) var(--ease-out);
}
.program-hero__crumb:hover { color: var(--navy); }
.program-hero__inner { max-width: 760px; }
.program-hero__h1 {
  font-size: clamp(2.25rem, 6vw, var(--fs-72));
  letter-spacing: -0.035em;
  line-height: 1.02;
  text-wrap: balance;
  margin-top: var(--s-12);
}
.program-hero__h1 .dot { color: var(--red); }
.program-hero__sub {
  margin-top: var(--s-16);
  font-size: clamp(1.125rem, 1.8vw, var(--fs-22));
  font-weight: 500;
  color: var(--navy);
  line-height: 1.4;
  max-width: 48ch;
  text-wrap: balance;
}
.program-hero__intro {
  margin-top: var(--s-24);
  font-size: var(--fs-17);
  line-height: 1.65;
  color: var(--gray-700);
  max-width: 60ch;
}
.program-hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s-12);
  margin-top: var(--s-32);
}

/* Stat band */
.program-stat {
  background: var(--navy);
  color: var(--white);
  padding-block: var(--s-48);
  position: relative;
  overflow: hidden;
}
.program-stat::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(60% 80% at 10% 50%, rgba(66, 165, 71, 0.18), transparent 60%);
  pointer-events: none;
}
.program-stat > * { position: relative; }
.program-stat__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-32);
  align-items: center;
}
@media (min-width: 768px) { .program-stat__grid { grid-template-columns: auto 1fr; gap: var(--s-48); } }
.program-stat__big {
  font-size: clamp(3rem, 7vw, var(--fs-88));
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--white);
}
.program-stat__big .accent { color: var(--red-500); }
.program-stat__copy {
  font-size: var(--fs-17);
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  max-width: 56ch;
}

/* Process / how-it-works for this segment */
.program-process { background: var(--cream); }
.program-process__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-20);
  margin-top: var(--s-40);
}
@media (min-width: 768px) { .program-process__grid { grid-template-columns: repeat(3, 1fr); gap: var(--s-24); } }
.process-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-20);
  padding: var(--s-24);
  display: flex;
  flex-direction: column;
  gap: var(--s-12);
  transition: transform var(--t-base), box-shadow var(--t-base);
}
.process-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.process-card__num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  font-size: var(--fs-16);
}
.process-card:nth-child(2) .process-card__num { background: var(--red); }
.process-card h3 { font-size: var(--fs-20); font-weight: 700; color: var(--navy); letter-spacing: -0.015em; }
.process-card p { font-size: var(--fs-15); line-height: 1.6; color: var(--gray-700); }

/* Docs section */
.program-docs { background: var(--white); }
.program-docs__list {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-12);
  margin-top: var(--s-32);
  list-style: none;
  padding: 0;
}
@media (min-width: 640px) { .program-docs__list { grid-template-columns: 1fr 1fr; gap: var(--s-16); } }
.program-docs__list li {
  display: flex;
  align-items: flex-start;
  gap: var(--s-12);
  padding: var(--s-16);
  background: var(--cream);
  border-radius: var(--r-12);
}
.program-docs__list li svg {
  width: 22px; height: 22px;
  color: var(--red);
  flex-shrink: 0;
  margin-top: 1px;
}
.program-docs__list strong { display: block; color: var(--navy); font-weight: 600; font-size: var(--fs-15); }
.program-docs__list span { display: block; font-size: var(--fs-13); color: var(--gray-500); margin-top: 2px; line-height: 1.45; }
.program-docs__reassure {
  margin-top: var(--s-32);
  padding: var(--s-20);
  background: var(--red-50);
  border-radius: var(--r-12);
  border: 1px solid var(--red-100);
  color: var(--navy);
  font-size: var(--fs-15);
  line-height: 1.55;
}
.program-docs__reassure strong { color: var(--red-700); }

/* Comparison strip */
.program-compare {
  background: var(--cream);
  padding-block: var(--s-56);
}
.program-compare__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-16);
  margin-top: var(--s-32);
}
@media (min-width: 768px) { .program-compare__grid { grid-template-columns: 1fr 1fr; gap: var(--s-20); } }
.compare-col {
  padding: var(--s-24);
  border-radius: var(--r-16);
  border: 1px solid var(--gray-200);
  background: var(--white);
}
.compare-col--bad { opacity: 0.92; }
.compare-col--good { border-color: var(--red); box-shadow: 0 4px 16px rgba(66, 165, 71, 0.12); }
.compare-col h3 {
  font-size: var(--fs-18);
  font-weight: 700;
  letter-spacing: -0.01em;
  margin-bottom: var(--s-16);
}
.compare-col--bad h3 { color: var(--gray-500); }
.compare-col--good h3 { color: var(--red-700); }
.compare-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: var(--s-10); }
.compare-col li { display: flex; gap: var(--s-10); align-items: flex-start; font-size: var(--fs-15); line-height: 1.5; color: var(--gray-700); }
.compare-col li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.compare-col--bad li svg { color: var(--gray-400); }
.compare-col--good li svg { color: var(--red); }

/* Translation banner */
.translation-pending {
  background: var(--navy-50);
  border: 1px dashed var(--navy-100);
  color: var(--navy);
  padding: var(--s-16) var(--s-20);
  border-radius: var(--r-12);
  font-size: var(--fs-13);
  text-align: center;
  margin-block: var(--s-24);
  max-width: 720px;
  margin-inline: auto;
}

/* Language switcher */
.lang-switch {
  position: relative;
  display: inline-block;
}
.lang-switch__btn {
  display: inline-flex;
  align-items: center;
  gap: var(--s-6);
  background: transparent;
  border: 1px solid var(--gray-200);
  border-radius: var(--r-full);
  padding: var(--s-8) var(--s-12);
  font-size: var(--fs-13);
  font-weight: 500;
  color: var(--gray-700);
  cursor: pointer;
  font-family: inherit;
  transition: border-color var(--t-fast), color var(--t-fast);
}
.lang-switch__btn:hover { border-color: var(--navy); color: var(--navy); }
.lang-switch__btn svg { width: 14px; height: 14px; }
.lang-switch__menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-12);
  box-shadow: var(--shadow-md);
  padding: var(--s-6);
  min-width: 200px;
  z-index: 60;
  list-style: none;
  margin: 0;
}
.lang-switch__menu[hidden] { display: none; }
.lang-switch__menu a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--s-10) var(--s-12);
  border-radius: var(--r-8);
  font-size: var(--fs-14);
  color: var(--navy);
  transition: background var(--t-fast);
}
.lang-switch__menu a:hover { background: var(--gray-50); }
.lang-switch__menu a .pending {
  font-size: var(--fs-12);
  color: var(--gray-400);
  font-weight: 400;
}

/* Programs dropdown in main nav (JS-toggled — bulletproof across touch + desktop) */
.has-dropdown { position: relative; }
.has-dropdown__btn {
  background: transparent;
  border: 0;
  padding: 0;
  font-family: inherit;
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--gray-700);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: color var(--t-fast) var(--ease-out);
}
.has-dropdown__btn:hover { color: var(--navy); }
.has-dropdown__btn[aria-expanded="true"] { color: var(--navy); }
.has-dropdown__btn .caret {
  width: 10px;
  height: 10px;
  transition: transform var(--t-fast);
}
.has-dropdown__btn[aria-expanded="true"] .caret { transform: rotate(180deg); }

.has-dropdown__panel {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--r-16);
  box-shadow: var(--shadow-lg);
  padding: var(--s-12);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-4);
  min-width: 440px;
  z-index: 60;
}
.has-dropdown__panel[hidden] { display: none !important; }

.has-dropdown__panel a {
  padding: var(--s-12) var(--s-16);
  border-radius: var(--r-12);
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--navy);
  transition: background var(--t-fast);
  display: block;
  text-decoration: none;
}
.has-dropdown__panel a:hover { background: var(--gray-50); }
.has-dropdown__panel a small { display: block; color: var(--gray-500); font-weight: 400; font-size: var(--fs-12); margin-top: 2px; }

/* ---------- 19. Sticky mobile CTA ---------- */
.mobile-sticky {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 40;
  padding: var(--s-12) var(--s-16);
  background: rgba(250, 247, 242, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid rgba(9, 34, 79, 0.08);
  display: flex;
  gap: var(--s-12);
}
.mobile-sticky .btn { flex: 1; justify-content: center; }
.mobile-sticky .btn { padding-block: var(--s-12); font-size: var(--fs-15); }
@media (min-width: 768px) { .mobile-sticky { display: none; } }
/* Reserve space at bottom of body so sticky bar doesn't obscure content */
@media (max-width: 767px) {
  body:has(.mobile-sticky) { padding-bottom: 76px; }
}

/* ---------- 20. Animations on scroll ---------- */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity var(--t-slow) var(--ease-out), transform var(--t-slow) var(--ease-out);
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

@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; }
}

/* ---------- 21. Utilities ---------- */
.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;
}
.center { text-align: center; }
.mt-8 { margin-top: var(--s-8); }
.mt-16 { margin-top: var(--s-16); }
.mt-24 { margin-top: var(--s-24); }
.mt-32 { margin-top: var(--s-32); }