/* ============================================================
   Best Legal Funding — style.css
   Palette: Navy #0B1F3A | Gold #D4A54A | Frost #E8EEF7 | Ink #1F2937
   Type: Archivo (display) + Inter (body)
   ============================================================ */

:root {
  --navy: #0B1F3A;
  --navy-2: #122B4E;
  --navy-3: #1B3A66;
  --gold: #D4A54A;
  --gold-deep: #B8893A;
  --gold-soft: #F6EBD4;
  --frost: #E8EEF7;
  --ink: #1F2937;
  --muted: #5B6B82;
  --line: #DCE4EF;
  --white: #FFFFFF;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 8px rgba(11, 31, 58, 0.06);
  --shadow-md: 0 8px 28px rgba(11, 31, 58, 0.10);
  --shadow-lg: 0 20px 60px rgba(11, 31, 58, 0.16);
  --display: "Archivo", system-ui, sans-serif;
  --body: "Inter", system-ui, sans-serif;
  --max: 1180px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; text-size-adjust: 100%; overflow-x: hidden; }
body { overflow-x: hidden; width: 100%; max-width: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  font-family: var(--body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-3); text-decoration: none; }
a:hover { color: var(--gold-deep); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

h1, h2, h3, h4 { font-family: var(--display); color: var(--navy); line-height: 1.15; letter-spacing: -0.015em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin-bottom: 1em; }

.eyebrow {
  font-family: var(--display);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-deep);
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); }

.lead { font-size: 1.15rem; color: var(--muted); max-width: 64ch; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--display); font-weight: 700; font-size: 1rem;
  padding: 15px 30px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  text-align: center;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 6px 20px rgba(212, 165, 74, 0.35); }
.btn-gold:hover { background: var(--gold-deep); color: var(--white); box-shadow: 0 10px 28px rgba(212, 165, 74, 0.45); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-light { border-color: rgba(255,255,255,0.55); color: var(--white); background: transparent; }
.btn-outline-light:hover { background: var(--white); color: var(--navy); }
.btn-lg { padding: 18px 38px; font-size: 1.08rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-md); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 11px; font-family: var(--display); font-weight: 800; font-size: 1.22rem; color: var(--navy); letter-spacing: -0.02em; }
.logo:hover { color: var(--navy); }
.logo-mark { width: 38px; height: 38px; flex: none; }
.logo span em { font-style: normal; color: var(--gold-deep); }

.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
.nav-links a { font-weight: 600; font-size: 0.95rem; color: var(--ink); position: relative; padding: 6px 0; }
.nav-links a::after { content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 2px; background: var(--gold); transition: width .22s ease; }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { width: 100%; }
.nav-cta { margin-left: 6px; }
.nav-cta .btn { padding: 11px 22px; font-size: 0.92rem; }

.scroll-progress { position: absolute; bottom: -1px; left: 0; height: 2px; background: var(--gold); width: 0; }

.menu-toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: 10px;
}
.menu-toggle span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: transform .25s ease, opacity .25s ease; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 55%, var(--navy-3) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 85% 10%, rgba(212,165,74,0.14), transparent 60%),
    radial-gradient(ellipse 50% 60% at 10% 90%, rgba(27,58,102,0.5), transparent 65%);
  pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; padding: 96px 0 72px; position: relative; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lead { color: rgba(232, 238, 247, 0.85); margin-bottom: 32px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }

.trust-bar { display: flex; flex-wrap: wrap; gap: 10px 26px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.14); }
.trust-item { display: flex; align-items: center; gap: 9px; font-size: 0.9rem; font-weight: 600; color: rgba(232,238,247,0.9); }
.trust-item svg { width: 18px; height: 18px; flex: none; }

/* Funding card — the signature hero visual */
.fund-card-wrap { position: relative; }
.fund-card {
  background: var(--white); color: var(--ink); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 30px 30px 26px; max-width: 440px; margin-left: auto;
  position: relative;
}
.fund-card-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 22px; }
.fund-card-label { font-family: var(--display); font-weight: 700; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); }
.fund-badge { background: #E7F6EC; color: #1B7A3D; font-size: 0.76rem; font-weight: 700; padding: 5px 12px; border-radius: 999px; }
.fund-amount { font-family: var(--display); font-weight: 800; font-size: 2.6rem; color: var(--navy); letter-spacing: -0.02em; line-height: 1; margin-bottom: 4px; }
.fund-sub { font-size: 0.88rem; color: var(--muted); margin-bottom: 24px; }
.fund-steps { list-style: none; display: grid; gap: 0; }
.fund-step { display: flex; gap: 14px; position: relative; padding-bottom: 18px; }
.fund-step:last-child { padding-bottom: 0; }
.fund-step::before { content: ""; position: absolute; left: 13px; top: 28px; bottom: 0; width: 2px; background: var(--line); }
.fund-step:last-child::before { display: none; }
.fund-dot { width: 28px; height: 28px; border-radius: 50%; flex: none; display: grid; place-items: center; background: var(--frost); color: var(--muted); font-size: 0.72rem; font-weight: 800; font-family: var(--display); z-index: 1; }
.fund-step.done .fund-dot { background: var(--navy); color: var(--gold); }
.fund-step.active .fund-dot { background: var(--gold); color: var(--navy); box-shadow: 0 0 0 5px rgba(212,165,74,0.22); }
.fund-step-name { font-weight: 700; font-size: 0.94rem; color: var(--navy); }
.fund-step-note { font-size: 0.8rem; color: var(--muted); }
.fund-chip {
  position: absolute; background: var(--navy); color: var(--white); border-radius: 12px;
  padding: 12px 18px; font-size: 0.82rem; font-weight: 600; box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 9px;
}
.fund-chip svg { width: 18px; height: 18px; }
.fund-chip-1 { top: -18px; left: -8px; animation: float 5s ease-in-out infinite; }
.fund-chip-2 { bottom: -16px; right: 20px; animation: float 6s ease-in-out 1s infinite; }
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }

/* ---------- Sections ---------- */
.section { padding: 92px 0; }
.section-frost { background: var(--frost); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-head { max-width: 700px; margin-bottom: 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow::before { display: none; }
.section-head h2 { margin-bottom: 14px; }

/* Steps */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.step-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 26px; position: relative; transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.step-num { font-family: var(--display); font-weight: 800; font-size: 0.85rem; color: var(--gold-deep); letter-spacing: 0.1em; margin-bottom: 16px; display: block; }
.step-card svg { width: 42px; height: 42px; margin-bottom: 18px; }
.step-card h3 { margin-bottom: 8px; }
.step-card p { font-size: 0.93rem; color: var(--muted); margin: 0; }

/* Feature cards */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.cards-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.feature-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px 28px; transition: transform .22s ease, box-shadow .22s ease;
  display: flex; flex-direction: column;
}
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.feature-card .icon-wrap { width: 52px; height: 52px; border-radius: 13px; background: var(--frost); display: grid; place-items: center; margin-bottom: 20px; }
.feature-card .icon-wrap svg { width: 28px; height: 28px; }
.feature-card h3 { margin-bottom: 10px; }
.feature-card p { color: var(--muted); font-size: 0.95rem; flex: 1; }
.card-link { font-family: var(--display); font-weight: 700; font-size: 0.92rem; color: var(--gold-deep); display: inline-flex; align-items: center; gap: 6px; margin-top: 6px; }
.card-link:hover { gap: 11px; color: var(--navy); }
.card-link { transition: gap .2s ease; }

/* Why list */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.why-item { display: flex; gap: 16px; background: var(--white); border-radius: var(--radius); padding: 24px; border: 1px solid var(--line); }
.why-item svg { width: 26px; height: 26px; flex: none; margin-top: 2px; }
.why-item h3 { font-size: 1.05rem; margin-bottom: 5px; }
.why-item p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* Stats */
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; text-align: center; }
.stat-num { font-family: var(--display); font-weight: 800; font-size: clamp(2.6rem, 5vw, 3.8rem); color: var(--gold); letter-spacing: -0.02em; line-height: 1.05; }
.stat-label { font-size: 1rem; color: rgba(232,238,247,0.8); margin-top: 8px; font-weight: 600; }

/* Testimonials */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.testi-card { background: var(--white); border-radius: var(--radius); padding: 30px 28px; border: 1px solid var(--line); box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.testi-stars { color: var(--gold); letter-spacing: 3px; font-size: 1rem; margin-bottom: 14px; }
.testi-quote { font-size: 0.97rem; color: var(--ink); flex: 1; }
.testi-person { display: flex; align-items: center; gap: 13px; margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line); }
.testi-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-family: var(--display); font-weight: 800; font-size: 0.95rem; flex: none; }
.testi-name { font-weight: 700; font-size: 0.93rem; color: var(--navy); }
.testi-meta { font-size: 0.8rem; color: var(--muted); }

/* FAQ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 14px; background: var(--white); overflow: hidden; transition: border-color .2s ease, box-shadow .2s ease; }
.faq-item.open { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; background: none; border: 0; cursor: pointer; text-align: left;
  display: flex; justify-content: space-between; align-items: center; gap: 18px;
  padding: 21px 24px; font-family: var(--display); font-weight: 700; font-size: 1.02rem; color: var(--navy);
}
.faq-icon { flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--frost); display: grid; place-items: center; transition: transform .25s ease, background .25s ease; }
.faq-icon::before { content: "+"; font-weight: 700; color: var(--navy); }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 24px 22px; color: var(--muted); font-size: 0.96rem; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--navy), var(--navy-3)); border-radius: var(--radius-lg); padding: 64px 56px; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(ellipse 50% 80% at 80% 0%, rgba(212,165,74,0.18), transparent 60%); }
.cta-band > * { position: relative; }
.cta-band h2 { color: var(--white); margin-bottom: 14px; }
.cta-band p { color: rgba(232,238,247,0.85); max-width: 56ch; margin: 0 auto 30px; }

/* ---------- Page hero (interior) ---------- */
.page-hero { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: var(--white); padding: 72px 0 60px; }
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero .lead { color: rgba(232,238,247,0.85); }
.breadcrumbs { font-size: 0.85rem; margin-bottom: 22px; color: rgba(232,238,247,0.7); }
.breadcrumbs a { color: var(--gold); }
.breadcrumbs span { margin: 0 7px; }

/* Prose (educational / blog content) */
.prose { max-width: 760px; }
.prose h2 { font-size: 1.65rem; margin: 44px 0 16px; }
.prose h3 { margin: 30px 0 12px; }
.prose ul, .prose ol { margin: 0 0 1.2em 1.3em; }
.prose li { margin-bottom: 8px; }
.prose blockquote { border-left: 4px solid var(--gold); background: var(--frost); padding: 18px 24px; border-radius: 0 var(--radius) var(--radius) 0; margin: 24px 0; font-weight: 500; }
.prose a { font-weight: 600; text-decoration: underline; text-decoration-color: rgba(212,165,74,0.5); text-underline-offset: 3px; }

.callout { background: var(--gold-soft); border: 1px solid rgba(212,165,74,0.4); border-radius: var(--radius); padding: 24px 28px; margin: 30px 0; }
.callout strong { color: var(--navy); }

/* Answer box (AEO/GEO) — concise, citable */
.answer-box { background: var(--frost); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 24px 28px; margin: 8px 0 34px; }
.answer-box .answer-q { font-family: var(--display); font-weight: 700; color: var(--navy); font-size: 1.08rem; margin-bottom: 8px; }
.answer-box .answer-a { margin: 0; color: var(--ink); font-size: 1.02rem; }
.answer-box .answer-a strong { color: var(--navy); }

/* Key facts list (clean for generative engines to lift) */
.key-facts { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 26px; margin: 30px 0; background: var(--white); }
.key-facts-title { font-family: var(--display); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.78rem; color: var(--gold-deep); margin-bottom: 12px; }
.key-facts ul { margin: 0 0 0 1.1em; }
.key-facts li { margin-bottom: 7px; font-size: 0.96rem; }

/* Process diagram (How It Works page) */
.flow-diagram { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin: 40px 0; position: relative; }
.flow-node { text-align: center; padding: 0 14px; position: relative; }
.flow-node::after { content: ""; position: absolute; top: 31px; left: calc(50% + 36px); right: calc(-50% + 36px); height: 2px; background: repeating-linear-gradient(90deg, var(--gold) 0 8px, transparent 8px 15px); }
.flow-node:last-child::after { display: none; }
.flow-circle { width: 62px; height: 62px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; margin: 0 auto 14px; font-family: var(--display); font-weight: 800; font-size: 1.3rem; box-shadow: 0 0 0 7px var(--frost); }
.flow-node h3 { font-size: 1rem; }
.flow-node p { font-size: 0.84rem; color: var(--muted); }

/* States */
.states-map-wrap { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--line); padding: 40px; box-shadow: var(--shadow-sm); margin-bottom: 56px; }
.state-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; transition: transform .2s ease, box-shadow .2s ease; }
.state-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.state-abbr { font-family: var(--display); font-weight: 800; color: var(--gold-deep); font-size: 0.8rem; letter-spacing: 0.12em; }
.state-card h3 { margin: 6px 0 8px; }
.state-card p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: start; }
.form-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--line); box-shadow: var(--shadow-md); padding: 40px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 700; font-size: 0.88rem; color: var(--navy); margin-bottom: 7px; font-family: var(--display); }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 10px;
  font-family: var(--body); font-size: 0.97rem; color: var(--ink); background: var(--white);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(212,165,74,0.16);
}
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 16px; }
.info-block { background: var(--frost); border-radius: var(--radius); padding: 28px; margin-bottom: 20px; }
.info-block h3 { margin-bottom: 10px; display: flex; align-items: center; gap: 10px; }
.info-block svg { width: 22px; height: 22px; }
.info-block p { margin: 0; font-size: 0.94rem; color: var(--muted); }
.form-status { display: none; background: #E7F6EC; color: #1B7A3D; border-radius: 10px; padding: 16px 20px; font-weight: 600; margin-top: 18px; }
.form-status.visible { display: block; }

/* ---------- Blog ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.post-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: transform .22s ease, box-shadow .22s ease; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.post-card-banner { height: 130px; background: linear-gradient(125deg, var(--navy), var(--navy-3)); position: relative; display: flex; align-items: flex-end; padding: 18px; }
.post-card-banner::after { content: ""; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 80% at 85% 15%, rgba(212,165,74,0.25), transparent 60%); }
.post-cat { position: relative; z-index: 1; background: var(--gold); color: var(--navy); font-family: var(--display); font-weight: 700; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; padding: 5px 12px; border-radius: 999px; }
.post-card-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.post-card h3 { font-size: 1.12rem; margin-bottom: 10px; }
.post-card h3 a { color: var(--navy); }
.post-card h3 a:hover { color: var(--gold-deep); }
.post-card p { font-size: 0.91rem; color: var(--muted); flex: 1; }
.post-meta { font-size: 0.8rem; color: var(--muted); margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line); }

.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 60px; align-items: start; }
.article-sidebar { position: sticky; top: 100px; }
.sidebar-card { background: var(--frost); border-radius: var(--radius); padding: 26px; margin-bottom: 22px; }
.sidebar-card h3 { font-size: 1rem; margin-bottom: 14px; }
.sidebar-card ul { list-style: none; }
.sidebar-card li { margin-bottom: 10px; font-size: 0.9rem; }
.sidebar-cta { background: var(--navy); color: var(--white); text-align: center; }
.sidebar-cta h3 { color: var(--white); }
.sidebar-cta p { font-size: 0.88rem; color: rgba(232,238,247,0.8); }

.author-box { display: flex; gap: 20px; background: var(--frost); border-radius: var(--radius); padding: 28px; margin-top: 48px; align-items: center; }
.author-avatar { width: 64px; height: 64px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-family: var(--display); font-weight: 800; font-size: 1.3rem; flex: none; }
.author-box h3 { font-size: 1.05rem; margin-bottom: 4px; }
.author-box p { font-size: 0.88rem; color: var(--muted); margin: 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(232,238,247,0.8); padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 44px; padding-bottom: 52px; }
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: 0.92rem; max-width: 34ch; }
.site-footer h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 18px; text-transform: uppercase; letter-spacing: 0.08em; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 11px; }
.site-footer a { color: rgba(232,238,247,0.75); font-size: 0.92rem; }
.site-footer a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); padding: 26px 0; font-size: 0.8rem; color: rgba(232,238,247,0.55); }
.footer-bottom .container { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer-disclaimer { font-size: 0.78rem; color: rgba(232,238,247,0.5); padding-bottom: 26px; max-width: 90ch; }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .08s; }
.reveal-d2 { transition-delay: .16s; }
.reveal-d3 { transition-delay: .24s; }

/* ---------- Responsive ---------- */
@media (max-width: 1020px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .cards-grid, .testi-grid, .blog-grid, .why-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; padding: 72px 0 60px; }
  .fund-card { margin: 0 auto; }
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .section { padding: 64px 0; }
  .cards-grid, .testi-grid, .blog-grid, .why-grid, .steps-grid, .stats-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .flow-diagram { grid-template-columns: 1fr; gap: 32px; }
  .flow-node::after { display: none; }
  .cta-band { padding: 48px 26px; }

  .menu-toggle { display: block; }
  .nav-links {
    display: none;
    position: fixed; top: 76px; left: 0; right: 0;
    height: calc(100vh - 76px);
    height: calc(100dvh - 76px);
    background: var(--white); flex-direction: column; align-items: flex-start;
    padding: 28px 24px; gap: 18px; overflow-y: auto; z-index: 99;
    border-top: 1px solid var(--line);
  }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: 1.15rem; }
  .nav-cta { margin: 8px 0 0; }
  .nav-cta .btn { width: 100%; }
}

/* ---------- Mobile polish ---------- */
@media (max-width: 760px) {
  body { font-size: 16px; }
  h1 { font-size: clamp(2rem, 8vw, 2.6rem); }
  .container { padding: 0 18px; }
  .btn { padding: 14px 24px; }
  .btn-lg { padding: 16px 28px; }
  .hero-ctas .btn { width: 100%; }            /* full-width, easy-to-tap CTAs */
  .nav-links a { padding: 10px 0; }            /* taller tap targets */
  .answer-box, .key-facts, .callout { padding: 18px 20px; }
  .form-card, .info-block { padding: 24px 20px; }
  .states-map-wrap { padding: 24px 18px; }
  .author-box { flex-direction: column; text-align: left; align-items: flex-start; gap: 14px; }
  .testi-card, .feature-card, .step-card { padding: 24px 22px; }
  .fund-card { padding: 24px 20px; max-width: 100%; }
  .fund-chip { font-size: 0.74rem; padding: 9px 13px; }
  .cta-band h2 { font-size: clamp(1.5rem, 7vw, 2rem); }
  table, pre { max-width: 100%; overflow-x: auto; display: block; }
}

@media (max-width: 380px) {
  .fund-chip-1, .fund-chip-2 { position: static; margin: 10px 0 0; animation: none; display: inline-flex; }
}