/* ============================================================
   REVENOO — Main Stylesheet
   Palette: Deep Navy (#0D1F3C) + Teal (#00B4A6) + White
   ============================================================ */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0D1F3C;
  --navy-mid:   #162B50;
  --navy-light: #1E3A6E;
  --teal:       #00B4A6;
  --teal-dark:  #009A8E;
  --teal-light: #E0F7F5;
  --white:      #FFFFFF;
  --off-white:  #F7F9FC;
  --text-dark:  #1A2B45;
  --text-mid:   #4A5568;
  --text-light: #718096;
  --border:     #E2E8F0;
  --shadow-sm:  0 2px 8px rgba(13,31,60,0.08);
  --shadow-md:  0 4px 20px rgba(13,31,60,0.12);
  --shadow-lg:  0 8px 40px rgba(13,31,60,0.16);
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --transition: 0.25s ease;
  --font-sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--teal-dark); }
ul { list-style: none; }

.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }

/* --- Typography --- */
h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { margin-bottom: 1rem; color: var(--text-mid); }
p:last-child { margin-bottom: 0; }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}

.section-intro {
  max-width: 680px;
  margin: 0 auto 56px;
  text-align: center;
}
.section-intro h2 { margin-bottom: 16px; }
.section-intro p { font-size: 1.05rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
}
.btn-primary:hover {
  background: var(--teal-dark);
  border-color: var(--teal-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,180,166,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  color: var(--white);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 17px 36px; font-size: 1.05rem; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: 0 2px 16px rgba(0,0,0,0.18);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav-logo-mark {
  width: 36px;
  height: 36px;
  background: var(--teal);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 1.1rem;
  color: var(--white);
  letter-spacing: -1px;
}
.nav-logo-text {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.5px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); }
.nav-cta { margin-left: 16px; }

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-mobile {
  display: none;
  flex-direction: column;
  background: var(--navy-mid);
  padding: 16px 24px 24px;
  gap: 4px;
}
.nav-mobile a {
  color: rgba(255,255,255,0.82);
  font-size: 1rem;
  font-weight: 500;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nav-mobile a:last-child { border-bottom: none; }
.nav-mobile .btn { margin-top: 12px; width: 100%; justify-content: center; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 480px; height: 480px;
  background: radial-gradient(circle, rgba(0,180,166,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(0,180,166,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-content { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,180,166,0.15);
  border: 1px solid rgba(0,180,166,0.3);
  border-radius: 100px;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--teal);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}
.hero h1 span { color: var(--teal); }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-sub:last-of-type { margin-bottom: 36px; }
.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}
.hero-trust-item svg { color: var(--teal); flex-shrink: 0; }

.hero-visual {
  position: relative;
  z-index: 1;
}
.hero-card-stack {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hero-stat-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  backdrop-filter: blur(10px);
}
.hero-stat-card .label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 12px;
}
.hero-stat-card .comparison {
  display: flex;
  align-items: center;
  gap: 16px;
}
.hero-stat-card .rate {
  font-size: 2rem;
  font-weight: 800;
  line-height: 1;
}
.hero-stat-card .rate.old { color: rgba(255,255,255,0.45); text-decoration: line-through; }
.hero-stat-card .rate.new { color: var(--teal); }
.hero-stat-card .arrow { color: var(--teal); font-size: 1.4rem; }
.hero-stat-card .sublabel {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  margin-top: 6px;
}
.hero-stat-card .savings-badge {
  display: inline-block;
  background: rgba(0,180,166,0.2);
  border: 1px solid rgba(0,180,166,0.4);
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  margin-top: 10px;
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--off-white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-item svg { color: var(--teal); }

/* ============================================================
   WHY REFINANCE
   ============================================================ */
.why-refinance { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 48px;
}
.scenario-card {
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.scenario-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.scenario-card.prime { border-top: 4px solid var(--teal); }
.scenario-card.non-prime { border-top: 4px solid var(--navy-light); }
.scenario-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
  margin-bottom: 16px;
}
.scenario-tag.prime { background: var(--teal-light); color: var(--teal-dark); }
.scenario-tag.non-prime { background: #EEF2FF; color: var(--navy-light); }
.scenario-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.rate-comparison {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 18px 0 14px;
}
.rate-pill {
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 1.2rem;
  line-height: 1;
}
.rate-pill.old { background: #FEE2E2; color: #C53030; }
.rate-pill.new { background: var(--teal-light); color: var(--teal-dark); }
.rate-arrow { font-size: 1.2rem; color: var(--text-light); }
.scenario-saving {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--teal-dark);
  background: var(--teal-light);
  display: inline-block;
  padding: 4px 12px;
  border-radius: 100px;
}

/* ============================================================
   DEALER RATE PROBLEM
   ============================================================ */
.dealer-problem {
  background: var(--navy);
  color: var(--white);
}
.dealer-problem .section-intro h2 { color: var(--white); }
.dealer-problem .section-intro p { color: rgba(255,255,255,0.72); }
.dealer-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin: 48px 0;
  flex-wrap: wrap;
}
.dealer-flow-step {
  text-align: center;
  padding: 28px 24px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  min-width: 180px;
  flex: 1;
  max-width: 220px;
}
.dealer-flow-step .step-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}
.dealer-flow-step h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 6px; }
.dealer-flow-step p { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin: 0; }
.dealer-flow-step .rate-val {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--teal);
  display: block;
  margin-bottom: 4px;
}
.dealer-flow-step.highlight { background: rgba(0,180,166,0.15); border-color: rgba(0,180,166,0.35); }
.dealer-flow-arrow {
  font-size: 1.8rem;
  color: rgba(255,255,255,0.25);
  padding: 0 8px;
  flex-shrink: 0;
}

.savings-table-wrap {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-top: 48px;
}
.savings-table {
  width: 100%;
  border-collapse: collapse;
}
.savings-table th {
  background: rgba(255,255,255,0.08);
  padding: 14px 20px;
  text-align: left;
  font-size: 0.85rem;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.savings-table th:not(:first-child) { text-align: center; }
.savings-table td {
  padding: 14px 20px;
  font-size: 0.95rem;
  color: rgba(255,255,255,0.82);
  border-top: 1px solid rgba(255,255,255,0.07);
}
.savings-table td:not(:first-child) { text-align: center; }
.savings-table .highlight-col { color: var(--teal); font-weight: 700; }
.savings-table .savings-row td {
  background: rgba(0,180,166,0.12);
  color: var(--teal);
  font-weight: 700;
  font-size: 1rem;
}
.dealer-cta { text-align: center; margin-top: 48px; }

/* ============================================================
   BENEFIT CARDS
   ============================================================ */
.benefits { background: var(--off-white); }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.benefit-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
  text-align: center;
}
.benefit-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.benefit-icon {
  width: 56px;
  height: 56px;
  background: var(--teal-light);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--teal-dark);
}
.benefit-card h4 { margin-bottom: 10px; font-size: 1rem; }
.benefit-card p { font-size: 0.88rem; color: var(--text-light); margin: 0; }

/* ============================================================
   WHO WE HELP
   ============================================================ */
.who-we-help { background: var(--white); }
.who-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.who-card {
  border-radius: var(--radius-md);
  padding: 40px 36px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.who-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.who-card.prime { border-top: 4px solid var(--teal); }
.who-card.non-prime { border-top: 4px solid var(--navy-light); }
.who-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.who-card-badge.prime { background: var(--teal-light); color: var(--teal-dark); }
.who-card-badge.non-prime { background: #EEF2FF; color: var(--navy-light); }
.who-card h3 { margin-bottom: 14px; font-size: 1.25rem; }
.who-card p { font-size: 0.95rem; }
.who-card .savings-note {
  margin-top: 20px;
  padding: 14px 18px;
  background: var(--off-white);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--teal-dark);
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { background: var(--off-white); }
.star-rating {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-bottom: 40px;
}
.stars { color: #F6AD55; font-size: 1.3rem; letter-spacing: 2px; }
.star-label { font-size: 0.9rem; font-weight: 600; color: var(--text-mid); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  position: absolute;
  top: 16px; left: 24px;
  font-size: 4rem;
  line-height: 1;
  color: var(--teal-light);
  font-family: Georgia, serif;
}
.testimonial-text {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 20px;
  padding-top: 16px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-location { font-size: 0.78rem; color: var(--text-light); }
.author-tag {
  margin-left: auto;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 3px 9px;
  border-radius: 100px;
}
.author-tag.prime { background: var(--teal-light); color: var(--teal-dark); }
.author-tag.non-prime { background: #EEF2FF; color: var(--navy-light); }

.lender-strip {
  margin-top: 56px;
  text-align: center;
}
.lender-strip p {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 20px;
}
.lender-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.lender-logo-placeholder {
  height: 36px;
  width: 100px;
  background: var(--border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: var(--text-light);
  font-weight: 600;
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal) 100%);
  padding: 72px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner p { color: rgba(255,255,255,0.85); font-size: 1.05rem; margin-bottom: 32px; }
.cta-banner .btn-white {
  background: var(--white);
  color: var(--teal-dark);
  border-color: var(--white);
  font-weight: 700;
}
.cta-banner .btn-white:hover {
  background: var(--off-white);
  color: var(--teal-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(0,0,0,0.15);
}
.cta-note {
  margin-top: 16px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
}

/* ============================================================
   HOW IT WORKS PAGE
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 72px 0 64px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }

.steps-section { background: var(--white); }
.steps-timeline {
  position: relative;
  max-width: 780px;
  margin: 0 auto;
}
.steps-timeline::before {
  content: '';
  position: absolute;
  left: 40px;
  top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--teal), var(--navy-light));
}
.step-item {
  display: flex;
  gap: 32px;
  margin-bottom: 48px;
  position: relative;
}
.step-item:last-child { margin-bottom: 0; }
.step-number {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 3px var(--teal);
}
.step-content {
  padding-top: 16px;
  flex: 1;
}
.step-content h3 { margin-bottom: 10px; color: var(--navy); }
.step-content p { font-size: 0.95rem; }
.step-icon-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 600;
}

.solutions-section { background: var(--off-white); }
.solutions-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.solution-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 40px 36px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.solution-card.prime { border-top: 4px solid var(--teal); }
.solution-card.non-prime { border-top: 4px solid var(--navy-light); }
.solution-card h3 { margin-bottom: 8px; }
.solution-card .sub { font-size: 0.85rem; font-weight: 600; color: var(--teal); margin-bottom: 16px; }
.solution-card p { font-size: 0.95rem; }
.rate-highlight {
  margin-top: 20px;
  padding: 14px 18px;
  background: var(--teal-light);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--teal-dark);
}

/* ============================================================
   CALCULATOR
   ============================================================ */
.calculator-section { background: var(--navy); }
.calculator-section .section-intro h2 { color: var(--white); }
.calculator-section .section-intro p { color: rgba(255,255,255,0.7); }
.calculator-wrap {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 48px;
  max-width: 900px;
  margin: 0 auto;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}
.calc-field { display: flex; flex-direction: column; gap: 8px; }
.calc-field label {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
}
.calc-field input, .calc-field select {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-sm);
  padding: 13px 16px;
  font-size: 1rem;
  color: var(--white);
  font-family: var(--font-sans);
  transition: border-color var(--transition);
  outline: none;
  width: 100%;
}
.calc-field input::placeholder { color: rgba(255,255,255,0.3); }
.calc-field input:focus, .calc-field select:focus {
  border-color: var(--teal);
  background: rgba(255,255,255,0.1);
}
.calc-field select option { background: var(--navy); color: var(--white); }
.calc-slider-wrap { margin-top: 4px; }
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  background: rgba(255,255,255,0.2);
  outline: none;
  margin-top: 8px;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--teal);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,180,166,0.4);
}
.calc-slider::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--teal);
  cursor: pointer;
  border: none;
}
.calc-results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.calc-result-item { text-align: center; }
.calc-result-item .result-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 8px;
}
.calc-result-item .result-value {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.calc-result-item.highlight .result-value { color: var(--teal); }
.calc-result-item .result-sub {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  margin-top: 4px;
}
.calc-cta { text-align: center; margin-top: 36px; }
.calc-disclaimer {
  text-align: center;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  margin-top: 16px;
}

/* ============================================================
   FAQ PAGE
   ============================================================ */
.faq-section { background: var(--white); }
.faq-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.faq-tab {
  padding: 9px 20px;
  border-radius: 100px;
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid var(--border);
  background: transparent;
  color: var(--text-mid);
  transition: all var(--transition);
  font-family: var(--font-sans);
}
.faq-tab:hover { border-color: var(--teal); color: var(--teal); }
.faq-tab.active { background: var(--teal); border-color: var(--teal); color: var(--white); }

.faq-group { display: none; }
.faq-group.active { display: block; }

.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow var(--transition);
}
.accordion-item:hover { box-shadow: var(--shadow-sm); }
.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  gap: 16px;
  transition: background var(--transition);
}
.accordion-trigger:hover { background: var(--off-white); }
.accordion-trigger.open { background: var(--off-white); color: var(--teal-dark); }
.accordion-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all var(--transition);
  color: var(--text-mid);
  font-size: 1rem;
  font-weight: 700;
}
.accordion-trigger.open .accordion-icon {
  background: var(--teal);
  color: var(--white);
  transform: rotate(45deg);
}
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.accordion-body.open { max-height: 600px; }
.accordion-body-inner {
  padding: 0 24px 24px;
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.75;
  border-top: 1px solid var(--border);
  padding-top: 20px;
  margin-top: 0;
}

.faq-contact-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  padding: 40px;
  text-align: center;
  margin-top: 48px;
}
.faq-contact-card h3 { color: var(--white); margin-bottom: 10px; }
.faq-contact-card p { color: rgba(255,255,255,0.7); margin-bottom: 24px; }

/* ============================================================
   QUOTE FORM MODAL
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(13,31,60,0.75);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(4px);
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  max-width: 520px;
  width: 100%;
  position: relative;
  box-shadow: var(--shadow-lg);
  max-height: 90vh;
  overflow-y: auto;
}
.modal-close {
  position: absolute;
  top: 16px; right: 20px;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-light);
  line-height: 1;
  padding: 4px;
  transition: color var(--transition);
}
.modal-close:hover { color: var(--navy); }
.modal-box h2 { margin-bottom: 8px; font-size: 1.6rem; }
.modal-box .modal-sub { color: var(--text-mid); margin-bottom: 28px; font-size: 0.95rem; }
.form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}
.form-field label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.03em;
}
.form-field input, .form-field select, .form-field textarea {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  font-size: 0.95rem;
  font-family: var(--font-sans);
  color: var(--text-dark);
  outline: none;
  transition: border-color var(--transition);
  background: var(--white);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  border-color: var(--teal);
}
.form-field textarea { resize: vertical; min-height: 90px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { width: 100%; margin-top: 8px; justify-content: center; }
.form-note {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 12px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-top: 16px;
  color: rgba(255,255,255,0.55);
}
.footer-col h5 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  transition: color var(--transition);
}
.footer-col ul a:hover { color: var(--teal); }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 10px;
}
.footer-contact-item svg { color: var(--teal); flex-shrink: 0; margin-top: 2px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.8rem; margin: 0; color: rgba(255,255,255,0.4); }
.footer-bottom-links {
  display: flex;
  gap: 20px;
}
.footer-bottom-links a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  transition: color var(--transition);
}
.footer-bottom-links a:hover { color: var(--teal); }
.footer-badges {
  display: flex;
  gap: 12px;
  margin-top: 20px;
  flex-wrap: wrap;
}
.footer-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  font-size: 0.72rem;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.04em;
}
.footer-badge svg { color: var(--teal); }

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.legal-section { background: var(--white); padding: 72px 0; }
.legal-content { max-width: 780px; margin: 0 auto; }
.legal-content h2 { font-size: 1.5rem; margin: 40px 0 14px; color: var(--navy); }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { font-size: 0.95rem; color: var(--text-mid); margin-bottom: 14px; }
.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 14px;
}
.legal-content ul li {
  font-size: 0.95rem;
  color: var(--text-mid);
  margin-bottom: 6px;
}
.legal-meta {
  font-size: 0.82rem;
  color: var(--text-light);
  margin-bottom: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border);
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { opacity: 0; }
.fade-up.visible { animation: fadeUp 0.6s ease forwards; }
.fade-up:nth-child(2) { animation-delay: 0.1s; }
.fade-up:nth-child(3) { animation-delay: 0.2s; }
.fade-up:nth-child(4) { animation-delay: 0.3s; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .section-pad { padding: 56px 0; }
  .hero { padding: 64px 0 56px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .hero-stat-card .rate { font-size: 1.5rem; }
  .why-grid { grid-template-columns: 1fr; }
  .who-grid { grid-template-columns: 1fr; }
  .solutions-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-results { grid-template-columns: 1fr; }
  .dealer-flow { flex-direction: column; align-items: center; }
  .dealer-flow-arrow { transform: rotate(90deg); }
  .dealer-flow-step { max-width: 100%; width: 100%; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile.open { display: flex; }
  .footer-grid { grid-template-columns: 1fr; }
  .modal-box { padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .calculator-wrap { padding: 28px 20px; }
  .steps-timeline::before { left: 36px; }
  .step-number { width: 72px; height: 72px; font-size: 1.3rem; }
  .savings-table th, .savings-table td { padding: 10px 12px; font-size: 0.85rem; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .trust-bar-inner { gap: 20px; }
  .benefits-grid { grid-template-columns: 1fr; }
  .faq-tabs { gap: 6px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; }
}