:root {
  /* --navy: #000033; */
  --navy: #3d195b;
  /* #3d195b */
  --navy-mid: #0c0c4d;
  --navy-soft: #12125c;
  --navy-hover: #000025;
  --orange: #f58220;
  --orange-light: #ff9a47;
  --orange-hover: #e07010;
  --orange-glow: rgba(245, 130, 32, 0.45);
  --white: #ffffff;
  --grey-50: #f8f9fc;
  --grey-100: #f0f2f8;
  --grey-200: #e4e7f0;
  --grey-300: #c8cdd9;
  --text-dark: #0a0a2e;
  --text-muted: #6b7289;
  --footer-border: rgba(255, 255, 255, 0.1);
  --radius: 14px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --shadow-sm: 0 2px 8px rgba(0, 0, 51, 0.05);
  --shadow-md: 0 8px 32px rgba(0, 0, 51, 0.08);
  --shadow-lg: 0 20px 60px rgba(0, 0, 51, 0.12);
  --shadow-glow: 0 0 40px var(--orange-glow);
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 60px; /* Height of your fixed header */
}

body {
  font-family: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  min-height: 100vh;
  background: var(--white);
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
  -webkit-font-smoothing: antialiased;
}

.page-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
}

main {
  flex: 1;
}

a {
  color: var(--orange);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}

a:hover {
  color: var(--orange-hover);
}

address {
  font-style: normal;
  margin: 0;
}

/* Reveal animations */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease);
}

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

.reveal--delay {
  transition-delay: 0.12s;
}
.reveal--delay-2 {
  transition-delay: 0.24s;
}

/* Header */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 200;
  padding: 1rem 0;
  transition: padding 0.3s var(--ease);
}

.site-header.is-scrolled {
  padding: 0.6rem 0;
}
.pt-10 {
  padding-top: 11px !important;
}
.header-shell {
  display: flex;
  align-items: center;
  justify-content: center;
  width: -webkit-fill-available;
  max-width: 100%;
  gap: 1rem;
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  padding: 0.15rem 1.25rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s var(--ease);
}
.site-header.is-scrolled .header-shell {
  box-shadow: var(--shadow-md);
}

.brand-lockup {
  display: flex;
  align-items: center;
  gap: 1rem;
  justify-content: space-between;
  width: 100%;
}
a.brand-lockup__link.gains-logo img {
  width: 158px !important;
  height: auto;
  padding: 10px;
}

.brand-lockup__link {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
  line-height: 0;
}

.brand-lockup__divider {
  flex-shrink: 0;
  width: 1px;
  height: 2.25rem;
  background: rgba(15, 23, 42, 0.12);
}

.brand-lockup__img {
  display: block;
  width: auto;
  object-fit: contain;
}

.brand-lockup--header .brand-lockup__img--allay {
  height: 4rem;
  max-width: 5.5rem;
}

.brand-lockup--header .brand-lockup__img--gains {
  height: 2.5rem;
  max-width: 9rem;
}

.brand-lockup--footer {
  margin-bottom: 1.5rem;
  justify-content: start !important;
}

.brand-lockup--footer .brand-lockup__divider {
  height: 2.75rem;
  background: rgba(255, 255, 255, 0.2);
}

.brand-lockup--footer .brand-lockup__img--allay {
  height: 2.25rem;
  max-width: 6.5rem;
  filter: brightness(0) invert(1);
  opacity: 0.95;
}

.brand-lockup--footer .brand-lockup__img--gains {
  height: 2.75rem;
  max-width: 10rem;
}

.brand-lockup--cta .brand-lockup__divider {
  height: 1.75rem;
  background: rgba(255, 255, 255, 0.18);
}

.brand-lockup--cta .brand-lockup__img--allay {
  height: 1.65rem;
  max-width: 5.25rem;
  filter: brightness(0) invert(1);
  opacity: 0.95;
}

.brand-lockup--cta .brand-lockup__img--gains {
  height: 2rem;
  max-width: 8.5rem;
  filter: brightness(0) invert(1);
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.header-nav a:not(.header-nav__cta) {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  padding: 0.5rem 1rem;
  border-radius: 100px;
  transition:
    background 0.2s var(--ease),
    color 0.2s var(--ease);
}

.header-nav a:not(.header-nav__cta):hover {
  background: var(--grey-100);
  color: var(--navy);
}

.header-nav__cta {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--navy);
  color: var(--white) !important;
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.65rem 1.25rem;
  border-radius: 100px;
  transition:
    background 0.2s var(--ease),
    transform 0.2s var(--ease),
    box-shadow 0.2s var(--ease);
}

.header-nav__cta:hover {
  background: var(--navy-soft);
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* Sections */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.85rem;
}

.section-label--light {
  color: var(--orange-light);
}

.section-title {
  font-size: clamp(1.85rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.85rem;
}

.section-title--light {
  color: var(--white);
}
.mt-20 {
  margin-top: 20px;
}
.stats-strip {
  display: none;
}
.section-desc {
  color: var(--text-muted);
  max-width: 820px;
  margin: 0 auto;
  font-size: 1.05rem;
}

.section-header {
  margin-bottom: 3rem;
}

.py-lg-6 {
  padding-top: 5rem !important;
  padding-bottom: 5rem !important;
}

/* Hero */
.hero-section {
  position: relative;
  padding-top: 8rem;
  overflow: hidden;
}

.hero-mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 70% 50% at 90% 10%,
      rgba(245, 130, 32, 0.12),
      transparent 60%
    ),
    radial-gradient(
      ellipse 50% 40% at 10% 80%,
      rgba(0, 0, 51, 0.06),
      transparent 55%
    ),
    linear-gradient(180deg, var(--grey-50) 0%, var(--white) 100%);
  pointer-events: none;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: 100px;
  padding: 0.4rem 1rem 0.4rem 0.65rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.hero-badge__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--orange);
  animation: pulse 2s ease infinite;
}

@keyframes pulse {
  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }
  50% {
    opacity: 0.6;
    transform: scale(0.85);
  }
}
.mb-0 {
  margin-bottom: 0px !important;
}
.hero-headline {
  font-size: clamp(1.85rem, 4.2vw, 3rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 1.5rem;
  max-width: 693px;
}
span.headline-light {
  font-size: 29px;
  line-height: normal;
  margin-top: 12px;
}
.headline-light {
  display: block;
  font-weight: 300;
  color: var(--navy);
}

.headline-bold {
  font-weight: 800;
  color: var(--navy);
}

.headline-accent {
  font-weight: 800;
  color: var(--orange);
}

.hero-text {
  color: var(--text-muted);
  margin-bottom: 1rem;
  max-width: 637px;
  font-size: 1.05rem;
}

.hero-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  max-width: 637px;
}

.hero-checklist__item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: var(--text-muted);
  font-size: 1.05rem;
  line-height: 1.6;
}

.hero-checklist__item + .hero-checklist__item {
  margin-top: 0.75rem;
}

.hero-checklist__icon {
  flex-shrink: 0;
  color: var(--orange);
  margin-top: 0.2rem;
  line-height: 0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.hero-trust-bar {
  width: 100%;
  background: var(--white);
  border-top: 1px solid var(--grey-200);
  padding: 1.15rem 0;
  background: rgb(0 0 0 / 9%);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.6);
  background:
    radial-gradient(
      ellipse 70% 50% at 90% 10%,
      rgba(245, 130, 32, 0.12),
      transparent 60%
    ),
    radial-gradient(
      ellipse 50% 40% at 10% 80%,
      rgba(0, 0, 51, 0.06),
      transparent 55%
    ),
    linear-gradient(180deg, var(--grey-50) 0%, var(--white) 100%);
}

.hero-trust-bar .hero-trust {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
  justify-content: space-between;
  gap: 1rem 1.5rem;
}

@media (min-width: 768px) {
  .hero-trust-bar .hero-trust {
    flex-wrap: nowrap;
  }

  .hero-trust-bar .hero-trust__item {
    flex: 1;
    justify-content: center;
    text-align: center;
  }
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--grey-200);
}

.hero-trust__item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
}

.hero-trust__item svg {
  color: var(--orange);
  flex-shrink: 0;
}

/* Summary card */
.summary-card {
  position: relative;
  background: linear-gradient(145deg, var(--navy) 0%, var(--navy) 100%);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.summary-card__glow {
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, var(--orange-glow), transparent 70%);
  pointer-events: none;
}

.summary-card__top {
  position: relative;
  margin-bottom: 1.5rem;
}

.summary-card__label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.5rem;
}

.summary-card__amount {
  font-size: clamp(2.75rem, 6vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.04em;
  margin-bottom: 0.35rem;
}

.summary-card__amount span {
  color: var(--orange-light);
}

.summary-card__note {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0;
}

.summary-card__list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
  position: relative;
}

.summary-card__list li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 0;
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.8);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.summary-card__list li:last-child {
  border-bottom: none;
}

.summary-card__list strong {
  color: var(--white);
  font-weight: 700;
}

.summary-card__more {
  justify-content: center !important;
  color: rgba(255, 255, 255, 0.4) !important;
  font-size: 0.8rem !important;
  padding-top: 0.5rem !important;
}

.summary-card__link {
  display: flex;
  align-items: center;
  justify-content: center;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--orange-light);
  position: relative;
}
.summary-card__link svg {
  position: relative;
  top: 2px;
  animation: summary-card-arrow-bounce 1.6s ease-in-out infinite;
}

.summary-card__link:hover svg {
  animation: none;
  transform: translateY(4px);
}

@keyframes summary-card-arrow-bounce {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(5px);
  }
}

.summary-card__link:hover {
  color: var(--white);
}

/* Stats strip */
.stats-strip {
  background: var(--white);
  border-top: 1px solid var(--grey-200);
  border-bottom: 1px solid var(--grey-200);
  padding: 2rem 0;
}

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

.stat-item {
  text-align: center;
  padding: 1rem;
}

.stat-item__value {
  display: block;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.2;
  margin-bottom: 0.25rem;
}

.stat-item__label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Claims */
.claims-section {
  background: var(--white);
}

.claims-section--optout {
  background: var(--grey-50);
  border-top: 1px solid var(--grey-200);
}

.claims-section--optout .claims-section__intro {
  max-width: 820px;
  margin: 0 auto 1.5rem;
  text-align: left;
}

.claims-section--optout .section-title {
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin-bottom: 0.5rem;
}

.claims-section--optout .section-title::after {
  display: none;
}

.claims-section--optout .section-desc {
  margin: 0;
  text-align: left;
  font-size: 0.98rem;
  max-width: none;
}

.claims-section--optout .claims-card {
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-200);
}

.claims-section--optout + .submit-section--optout {
  margin-top: 0;
}

.submit-section--optout {
  background: var(--white);
}

.submit-section--optout .submit-section__top {
  padding-top: 3rem;
}

.submit-section--optout .submit-section__bottom {
  background: var(--white);
}

.submit-section--optout .submit-card {
  margin-top: -1.5rem;
  border: 1px solid var(--grey-200);
  box-shadow: var(--shadow-lg);
}

.claims-section .section-header {
  margin-bottom: 1.25rem;
}

.claims-section__count {
  display: inline-flex;
  display: none;
  align-items: center;
  justify-content: center;
  margin: 0.35rem 0 0.65rem;
  padding: 0.2rem 0.7rem;
  border-radius: 999px;
  background: rgba(245, 130, 32, 0.1);
  border: 1px solid rgba(245, 130, 32, 0.22);
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.claims-section .section-desc {
  margin-bottom: 0;
  font-size: 0.9rem;
  line-height: 1.5;
}

.claims-section .section-title::after {
  content: "";
  display: block;
  width: 3rem;
  height: 3px;
  margin: 0.85rem auto 0;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--orange), var(--orange-light));
}

.claims-card {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-200);
  overflow: hidden;
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
}

.claims-card__accent {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--orange-light));
  z-index: 1;
}

.claims-body .claims-row:last-child {
  border-bottom: none;
}

.claims-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.75rem;
  padding: 0.5rem 1.25rem;
  border-bottom: 1px solid var(--grey-100);
  transition: background 0.15s var(--ease);
}

.claims-row--item:nth-child(even) {
  background: rgba(248, 249, 252, 0.7);
}

.claims-row:hover:not(.claims-row--head):not(.claims-row--total):not(
    .claims-row--empty
  ) {
  background: rgba(245, 130, 32, 0.05);
}

.claims-row--head {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.9);
  padding: 1.2rem 1.25rem;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  border-bottom: none;
}

.claims-row--head:hover {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
}

.claims-row__head-label:last-child {
  flex-shrink: 0;
  min-width: 5.5rem;
  text-align: right;
}

.claims-row--empty {
  justify-content: center;
  padding: 1.5rem 1.25rem;
  color: var(--text-muted);
  font-size: 0.875rem;
}

.claims-row--empty p {
  margin: 0;
}

.claims-row__lender {
  flex: 1;
  min-width: 0;
  font-size: 0.8125rem;
  font-weight: 500;
  line-height: 1.3;
  color: var(--text-dark);
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.claims-row__lender--unknown {
  color: var(--text-muted);
  font-style: italic;
}

.claims-row__value {
  flex-shrink: 0;
  min-width: 5.5rem;
  text-align: center;
  font-weight: 700;
  font-size: 0.75rem;
  font-variant-numeric: tabular-nums;
  background: var(--orange);
  color: white;
  border-radius: 999px;
  padding: 0.2rem 0.6rem;
  line-height: 1.4;
}

.claims-row__value--unknown {
  background: var(--grey-100);
  color: var(--text-muted);
  font-size: 0.6875rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  border: 1px solid var(--grey-200);
}

.claims-row--total {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  border-bottom: none;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 1.2rem 1.25rem;
}

.claims-row__total-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
}

.claims-row--total span:first-child {
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
}

.claims-row__total {
  flex-shrink: 0;
  font-size: 1.125rem;
  font-weight: 800;
  color: var(--orange-light) !important;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}

.claims-row__total--unknown {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.72) !important;
  letter-spacing: 0.06em;
}

.claims-disclaimer {
  padding: 1rem 2rem 1rem;
  margin: 0;
  font-size: 0.78rem;
  color: var(--text-muted);
  background: var(--grey-50);
  border-top: 1px solid var(--grey-200);
}

/* CTA */
.cta-section {
  position: relative;
  background: var(--navy);
  overflow: hidden;
}

.cta-mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 60% 80% at 0% 50%,
      rgba(245, 130, 32, 0.18),
      transparent 55%
    ),
    radial-gradient(
      ellipse 40% 60% at 100% 0%,
      rgba(255, 255, 255, 0.05),
      transparent 50%
    );
  pointer-events: none;
}

/* Opt-in submit section — clean navy top + wave into light */
.submit-section {
  background: var(--grey-50);
}

/* CS page — standalone consent form (no hero / wave) */
.cs-section {
  flex: 1;
  display: flex;
  padding: 10rem 0 3rem;
  background:
    radial-gradient(
      ellipse 80% 60% at 50% 0%,
      rgba(61, 25, 91, 0.06),
      transparent 70%
    ),
    radial-gradient(
      ellipse 50% 40% at 100% 100%,
      rgba(245, 130, 32, 0.08),
      transparent 55%
    ),
    var(--grey-50);
}

.cs-section__container {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
}

.cs-card {
  width: 100%;
  max-width: 720px;
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 2.25rem 2.5rem 2rem;
  position: relative;
  overflow: hidden;
}

.cs-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--orange));
}

.cs-card__header {
  margin-bottom: 1.75rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--grey-200);
}

.cs-card__eyebrow {
  margin: 0 0 0.35rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--orange);
}

.cs-card__title {
  margin: 0 0 0.5rem;
  font-size: clamp(1.5rem, 3vw, 1.85rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--navy);
}

.cs-card__lead {
  margin: 0 0 1.15rem;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--text-muted);
}

.cs-card__client {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.55rem 0.9rem;
  border-radius: 999px;
  background: rgba(61, 25, 91, 0.06);
  border: 1px solid rgba(61, 25, 91, 0.12);
}

.cs-card__client-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.cs-card__client-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
}

.cs-form {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.cs-statement {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  margin: 0;
  padding: 1.35rem 1.4rem;
  border-radius: var(--radius-lg);
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  cursor: pointer;
  transition:
    border-color 0.2s var(--ease),
    background 0.2s var(--ease),
    box-shadow 0.2s var(--ease);
}

.cs-statement:hover {
  border-color: var(--grey-300);
}

.cs-statement:has(input:checked) {
  border-color: rgba(245, 130, 32, 0.45);
  background: rgba(245, 130, 32, 0.05);
  box-shadow: 0 0 0 3px rgba(245, 130, 32, 0.08);
}

.cs-statement input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.cs-statement__check {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  margin-top: 0.15rem;
  border-radius: 8px;
  border: 2px solid var(--grey-300);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s var(--ease);
}

.cs-statement__check svg {
  opacity: 0;
  transform: scale(0.5);
  color: var(--white);
  transition: all 0.2s var(--ease);
}

.cs-statement input:checked + .cs-statement__check {
  background: var(--orange);
  border-color: var(--orange);
}

.cs-statement input:checked + .cs-statement__check svg {
  opacity: 1;
  transform: scale(1);
}

.cs-statement input:focus-visible + .cs-statement__check {
  outline: 2px solid var(--orange-light);
  outline-offset: 2px;
}

.cs-statement__text {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--text-dark);
}

.cs-statement__text strong {
  color: var(--navy);
  font-weight: 700;
}

.cs-disclaimer {
  padding: 1.1rem 1.25rem;
  border-radius: var(--radius);
  background: rgba(61, 25, 91, 0.04);
  border-left: 3px solid var(--navy);
}

.cs-disclaimer p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--text-muted);
}

.cs-form__submit {
  width: 100%;
  padding: 1.05rem 1.5rem;
  font-size: 1.05rem;
  font-weight: 700;
  justify-content: center;
  margin-top: 0.25rem;
}

.cs-form__error {
  margin: 0;
  font-size: 0.9rem;
  color: #c62828;
  text-align: center;
}

.submit-section__top {
  position: relative;
  background: var(--navy);
  padding: 2.25rem 0 3.25rem;
  overflow: hidden;
}

.claims-section + .submit-section .submit-section__top {
  padding-top: 2.5rem;
}

.submit-section + .claims-section {
  border-top: 1px solid var(--grey-200);
  background:
    radial-gradient(
      ellipse 70% 50% at 90% 10%,
      rgba(245, 130, 32, 0.12),
      transparent 60%
    ),
    radial-gradient(
      ellipse 50% 40% at 10% 80%,
      rgba(0, 0, 51, 0.06),
      transparent 55%
    ),
    linear-gradient(180deg, var(--grey-50) 0%, var(--white) 100%);
}

.submit-section__mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 55% 70% at 10% 80%,
      rgba(245, 130, 32, 0.14),
      transparent 55%
    ),
    radial-gradient(
      ellipse 40% 50% at 95% 20%,
      rgba(255, 255, 255, 0.05),
      transparent 50%
    );
  pointer-events: none;
}

.submit-section__top-inner {
  position: relative;
  z-index: 1;
}

.submit-section__wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 100%;
  height: 52px;
  display: block;
}

.submit-section__bottom {
  background: var(--grey-50);
}

.submit-wrap {
  max-width: 820px;
  margin: 0 auto;
}

.submit-header {
  margin-bottom: 0;
}

.submit-header__lead {
  margin: 0 0 0.75rem;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.95rem;
  line-height: 1.6;
}

.submit-header .section-title {
  margin-bottom: 0.65rem;
}

.submit-header__desc {
  margin-bottom: 0;
  max-width: 39rem;
  margin-left: auto;
  margin-right: auto;
  color: rgba(255, 255, 255, 0.65);
}

.submit-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 1.75rem 1.75rem 1.35rem;
  margin-top: -1.25rem;
  position: relative;
  z-index: 1;
}

.submit-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.submit-consent {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
  cursor: pointer;
  padding: 1.15rem 1.2rem;
  margin: 0;
  border-radius: var(--radius);
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  transition:
    border-color 0.2s var(--ease),
    background 0.2s var(--ease);
}

.submit-consent:hover {
  border-color: var(--grey-300);
}

.submit-consent:has(input:checked) {
  border-color: rgba(245, 130, 32, 0.45);
  background: rgba(245, 130, 32, 0.06);
}

.submit-consent--static {
  cursor: default;
  display: block;
}

.submit-consent--static:hover {
  border-color: var(--grey-200);
}

.submit-consent input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.submit-consent__check {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  margin-top: 2px;
  border-radius: 6px;
  border: 2px solid var(--grey-300);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s var(--ease);
}

.submit-consent__check svg {
  opacity: 0;
  transform: scale(0.5);
  color: var(--white);
  transition: all 0.2s var(--ease);
}

.submit-consent input:checked + .submit-consent__check {
  background: var(--orange);
  border-color: var(--orange);
}

.submit-consent input:checked + .submit-consent__check svg {
  opacity: 1;
  transform: scale(1);
}

.submit-consent input:focus-visible + .submit-consent__check {
  outline: 2px solid var(--orange-light);
  outline-offset: 2px;
}

.submit-consent__text {
  font-size: 0.9rem;
  color: var(--text-dark);
  line-height: 1.65;
}

.submit-consent__text a {
  color: var(--orange);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.submit-form__btn {
  width: 100%;
  padding: 1rem 1.5rem;
  font-size: 1rem;
  font-weight: 700;
  justify-content: center;
}

.submit-form__error {
  margin: 0;
  font-size: 0.85rem;
  color: #c62828;
  text-align: center;
}

.submit-card__footer {
  margin: 1.25rem -1.75rem -1.35rem;
  padding: 1.15rem 1.75rem 1.25rem;
  border-top: 1px solid var(--grey-200);
  background: var(--grey-50);
  border-radius: 0 0 var(--radius-xl) var(--radius-xl);
}

.submit-card__note {
  margin: 0;
  padding-top: 0;
  border-top: none;
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.6;
  text-align: center;
}

.submit-legal {
  margin: 0;
  padding: 0;
  border-top: none;
  background: transparent;
  border-radius: 0;
}

.submit-legal p {
  margin: 0 0 0.75rem;
  color: var(--text-muted);
  font-size: 0.78rem;
  line-height: 1.65;
}

.submit-legal p:last-child {
  margin-bottom: 0;
}

.submit-legal a {
  color: var(--orange);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.submit-card__heading {
  margin: 0 0 0.85rem;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.35;
  letter-spacing: -0.02em;
}

.submit-card__text {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
}

.submit-card__policy a {
  color: var(--orange);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.submit-card--optout {
  display: flex;
  flex-direction: column;
  gap: 0;
  overflow: hidden;
}

.submit-card--optout::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 4rem;
  height: 3px;
  border-radius: 0 0 4px 4px;
  background: linear-gradient(90deg, var(--orange), var(--orange-light));
}

.submit-optout-body {
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
}

.submit-card--optout .submit-card__footer {
  margin-top: 1.25rem;
}

.submit-card--optout .submit-form__btn {
  margin-top: 0;
  padding: 1rem 1.5rem;
  font-size: 1rem;
  font-weight: 700;
}

.submit-card--optout .btn-optout {
  margin-top: 0;
  width: 100%;
  justify-content: center;
  gap: 0.55rem;
  color: var(--navy);
  background: var(--white);
  border: 2px solid var(--grey-300);
  box-shadow: var(--shadow-sm);
  backdrop-filter: none;
  transition: all 0.22s var(--ease);
}

.submit-card--optout .btn-optout:hover,
.submit-card--optout .btn-optout:focus {
  color: var(--navy);
  background: var(--grey-50);
  border-color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.submit-card__note--alert {
  margin: 0;
  padding: 0.95rem 1.05rem;
  text-align: left;
  font-size: 0.88rem;
  line-height: 1.6;
  color: var(--text-dark);
  background: rgba(245, 130, 32, 0.08);
  border: 1px solid rgba(245, 130, 32, 0.22);
  border-radius: var(--radius);
}

.submit-policy-box {
  padding: 1.1rem 1.15rem;
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
}

.submit-policy-box__text {
  margin: 0;
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--text-dark);
  text-align: left;
}

.submit-policy-box__text a {
  color: var(--orange);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.submit-optout-info {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.5rem;
  justify-content: center;
}

.submit-optout-info__item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: var(--text-dark);
}

.submit-optout-info__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange);
}

.cta-side-text {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.05rem;
  margin-bottom: 2rem;
  max-width: 400px;
}

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.feature-list__item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.feature-list__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange-light);
  flex-shrink: 0;
}

.feature-list__item strong {
  display: block;
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 0.15rem;
}

.feature-list__item p {
  margin: 0;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
}

.cta-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  backdrop-filter: blur(16px);
}

.cta-card--optin {
  position: relative;
  overflow: hidden;
  padding: 0;
  background:
    linear-gradient(
      165deg,
      rgba(255, 255, 255, 0.07) 0%,
      rgba(255, 255, 255, 0.02) 38%,
      rgba(245, 130, 32, 0.05) 100%
    ),
    linear-gradient(180deg, #0a1230 0%, #060d22 100%);
  border-color: rgba(255, 255, 255, 0.1);
  box-shadow:
    0 32px 90px rgba(0, 0, 0, 0.42),
    inset 0 1px 0 rgba(255, 255, 255, 0.09);
}

.cta-card--optin::after {
  content: "";
  position: absolute;
  bottom: -8rem;
  left: -6rem;
  width: 16rem;
  height: 16rem;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(245, 130, 32, 0.08),
    transparent 70%
  );
  pointer-events: none;
}

.cta-card--optin::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    transparent,
    var(--orange),
    var(--orange-light),
    transparent
  );
}

.cta-card__glow {
  position: absolute;
  top: -6rem;
  right: -4rem;
  width: 18rem;
  height: 18rem;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(245, 130, 32, 0.22),
    transparent 68%
  );
  pointer-events: none;
}

.cta-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  padding: 1.25rem clamp(1.25rem, 3vw, 2rem) 1.15rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(0, 0, 0, 0.12);
}

.cta-card__brand {
  padding: 0.55rem 0.9rem;
  border-radius: 100px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.cta-progress {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  margin: 0;
  padding: 0.35rem 0.5rem;
  list-style: none;
  border-radius: 100px;
  background: rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.06);
}

.cta-progress__step {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255, 255, 255, 0.35);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.cta-progress__step.is-complete,
.cta-progress__step.is-current {
  color: rgba(255, 255, 255, 0.9);
}

.cta-progress__dot {
  width: 1.45rem;
  height: 1.45rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 800;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.cta-progress__step.is-complete .cta-progress__dot {
  background: rgba(245, 130, 32, 0.2);
  border-color: rgba(245, 130, 32, 0.45);
  color: var(--orange-light);
}

.cta-progress__step.is-current .cta-progress__dot {
  background: linear-gradient(135deg, var(--orange), var(--orange-light));
  border-color: transparent;
  color: var(--white);
  box-shadow: 0 0 20px rgba(245, 130, 32, 0.4);
}

.cta-progress__line {
  width: 1.25rem;
  height: 2px;
  border-radius: 2px;
  background: rgba(255, 255, 255, 0.1);
}

.cta-progress__line.is-complete {
  background: linear-gradient(90deg, var(--orange), rgba(245, 130, 32, 0.35));
}

.cta-card__body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(1.75rem, 3vw, 2.75rem);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  align-items: stretch;
  position: relative;
  z-index: 1;
}

.cta-card__content {
  display: flex;
  flex-direction: column;
  padding-top: 0.15rem;
}

.cta-card__badge {
  display: inline-flex;
  align-items: center;
  align-self: flex-start;
  gap: 0.45rem;
  padding: 0.4rem 0.85rem;
  margin-bottom: 1rem;
  border-radius: 100px;
  background: rgba(245, 130, 32, 0.1);
  border: 1px solid rgba(245, 130, 32, 0.22);
  color: var(--orange-light);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.cta-card__lead {
  margin: 0 0 0.65rem;
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.9rem;
  line-height: 1.6;
}

.cta-card__title {
  margin: 0 0 0.65rem;
  color: var(--white);
  font-size: clamp(1.85rem, 2.6vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.035em;
  line-height: 1.08;
}

.cta-card__subtitle {
  margin: 0 0 1.5rem;
  color: rgba(255, 255, 255, 0.52);
  font-size: 0.9rem;
  line-height: 1.65;
  max-width: 32rem;
}

.cta-card__followup {
  margin: 1rem 0 0;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.9rem;
  line-height: 1.65;
}

.cta-highlights {
  list-style: none;
  margin: 0 0 auto;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.cta-highlights li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.7rem 0.85rem;
  border-radius: calc(var(--radius) - 2px);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.86rem;
  line-height: 1.45;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.06);
  transition:
    border-color 0.2s var(--ease),
    background 0.2s var(--ease);
}

.cta-highlights li:hover {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.1);
}

.cta-highlights__icon {
  flex-shrink: 0;
  width: 1.85rem;
  height: 1.85rem;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(
    135deg,
    rgba(245, 130, 32, 0.22),
    rgba(245, 130, 32, 0.08)
  );
  color: var(--orange-light);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.cta-card__form-panel {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 1.6rem;
  border-radius: calc(var(--radius-xl) - 6px);
  background: linear-gradient(
    165deg,
    rgba(255, 255, 255, 0.11) 0%,
    rgba(255, 255, 255, 0.04) 100%
  );
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-left: 3px solid var(--orange);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.1),
    0 16px 40px rgba(0, 0, 0, 0.22);
}

.cta-form__head {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 1.1rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.cta-form__head-icon {
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(245, 130, 32, 0.15);
  color: var(--orange-light);
  flex-shrink: 0;
}

.cta-form__label {
  margin: 0;
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.cta-form {
  display: flex;
  flex-direction: column;
  flex: 1;
  gap: 1rem;
}

.cta-card__badge svg {
  flex-shrink: 0;
}

.cta-form__actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: auto;
}

.cta-form__secure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  margin: 1rem 0 0;
  color: rgba(255, 255, 255, 0.45);
  font-size: 0.76rem;
  font-weight: 600;
}

.cta-form__secure svg {
  color: var(--orange-light);
  flex-shrink: 0;
}

.cta-form__consent {
  max-width: 44rem;
  margin: 0 auto 1.5rem;
}

.cta-doc-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  margin: 0;
  padding: 0.65rem 1rem;
  border-radius: 100px;
  background: rgba(0, 0, 0, 0.18);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.8rem;
  font-weight: 600;
  text-decoration: none;
  transition:
    color 0.2s var(--ease),
    border-color 0.2s var(--ease),
    background 0.2s var(--ease);
}

.cta-doc-link:hover {
  color: var(--orange-light);
  border-color: rgba(245, 130, 32, 0.3);
  background: rgba(245, 130, 32, 0.08);
}

.btn-submit--wide {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  width: 100%;
  min-width: 0;
  max-width: 100%;
  padding: 1.1rem 1.5rem;
  font-size: 1.02rem;
  font-weight: 700;
  line-height: 1;
  border-radius: 100px;
  background: linear-gradient(135deg, #f58220 0%, #ff9a47 50%, #f58220 100%);
  background-size: 200% 100%;
  box-shadow:
    0 12px 32px rgba(245, 130, 32, 0.32),
    inset 0 1px 0 rgba(255, 255, 255, 0.25);
  transition:
    transform 0.25s var(--ease),
    box-shadow 0.25s var(--ease),
    background-position 0.35s var(--ease);
}

.btn-submit--wide span {
  flex: 0 1 auto;
}

.btn-submit__arrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.65rem;
  height: 1.65rem;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.2);
  flex-shrink: 0;
  transition: transform 0.25s var(--ease);
}

.btn-submit--wide:hover {
  background-position: 100% 0;
  box-shadow:
    0 16px 40px rgba(245, 130, 32, 0.42),
    var(--shadow-glow);
}

.btn-submit--wide:hover .btn-submit__arrow {
  transform: translateX(2px);
}

.cta-next-step {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 0.95rem 1rem;
  margin-top: 1.25rem;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
}

.cta-next-step--inline {
  max-width: none;
  margin-top: auto;
}

.cta-next-step__icon {
  flex-shrink: 0;
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(245, 130, 32, 0.14);
  color: var(--orange-light);
}

.cta-next-step p {
  margin: 0;
  padding-top: 0.2rem;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.88rem;
  line-height: 1.6;
}

.cta-card__intro {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.95rem;
  margin-bottom: 1.75rem;
  line-height: 1.7;
}

.cta-card__intro--lead {
  margin-bottom: 1.25rem;
}

.cta-disclaimer {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.85rem;
  margin: 0;
  padding: 1.25rem clamp(1.25rem, 3vw, 2rem) 1.6rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(0, 0, 0, 0.2);
  position: relative;
  z-index: 1;
}

.cta-disclaimer__item {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  padding: 0.85rem;
  border-radius: calc(var(--radius) - 2px);
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.05);
}

.cta-disclaimer__icon {
  flex-shrink: 0;
  width: 1.55rem;
  height: 1.55rem;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(245, 130, 32, 0.1);
  border: 1px solid rgba(245, 130, 32, 0.18);
  color: var(--orange-light);
}

.cta-disclaimer p {
  margin: 0;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.78rem;
  line-height: 1.65;
}

.cta-disclaimer a {
  color: var(--orange-light);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.cta-disclaimer a:hover {
  color: var(--white);
}

/* Custom checkbox */
.terms-box {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  cursor: pointer;
  padding: 1.25rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  margin-bottom: 1.5rem;
  transition:
    border-color 0.2s var(--ease),
    background 0.2s var(--ease);
}

.terms-box--optin {
  margin-bottom: 0;
  padding: 1.15rem 1.1rem;
  background: rgba(0, 0, 0, 0.22);
  border-color: rgba(255, 255, 255, 0.08);
  border-radius: calc(var(--radius) + 2px);
}

.terms-box--optin:hover {
  border-color: rgba(245, 130, 32, 0.32);
  background: rgba(0, 0, 0, 0.22);
}

.terms-box--optin:has(input:checked) {
  border-color: rgba(245, 130, 32, 0.5);
  background: rgba(245, 130, 32, 0.1);
  box-shadow: inset 0 0 0 1px rgba(245, 130, 32, 0.15);
}

.terms-box--optin:has(input:focus-visible) {
  outline: none;
  border-color: rgba(245, 130, 32, 0.45);
}

.terms-box--optin .terms-box__check {
  width: 24px;
  height: 24px;
  border-radius: 8px;
  border-color: rgba(255, 255, 255, 0.35);
}

.terms-box input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.terms-box__check {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  transition: all 0.2s var(--ease);
}

.terms-box__check svg {
  opacity: 0;
  transform: scale(0.5);
  transition: all 0.2s var(--ease);
  color: var(--white);
}

.terms-box input:checked + .terms-box__check {
  background: var(--orange);
  border-color: var(--orange);
}

.terms-box input:checked + .terms-box__check svg {
  opacity: 1;
  transform: scale(1);
}

.terms-box input:focus-visible + .terms-box__check {
  outline: 2px solid var(--orange-light);
  outline-offset: 2px;
}

.terms-box__text {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
}

.terms-box__text a {
  color: var(--orange-light);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  justify-content: space-between;
  width: 100%;
  max-width: 100%;
}

.cta-icon {
  width: 18px;
  height: 18px;
  margin-right: 0.35rem;
  vertical-align: -3px;
}

.cta-error {
  margin-top: 0;
  margin-bottom: 0;
  font-size: 0.85rem;
  color: #c62828;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 100px;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.9rem 1.75rem;
  border: none;
  cursor: pointer;
  transition: all 0.25s var(--ease);
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
}

.btn-primary:hover,
.btn-primary:focus {
  background: var(--navy-soft);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-glow:hover {
  box-shadow: var(--shadow-glow);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--grey-200);
}

.btn-ghost:hover {
  background: var(--grey-50);
  color: var(--navy);
  border-color: var(--grey-300);
  transform: translateY(-2px);
}

.btn-accent {
  background: linear-gradient(135deg, var(--orange), var(--orange-light));
  color: var(--white);
}

.btn-accent:hover,
.btn-accent:focus {
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-glow);
}

.btn-outline-light {
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  background: transparent;
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.5);
  color: var(--white);
}

.btn-optout {
  margin-top: 1.75rem;
  padding: 1rem 2.25rem;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--white);
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.14),
    rgba(255, 255, 255, 0.06)
  );
  border: 2px solid rgba(255, 255, 255, 0.4);
  box-shadow:
    0 4px 24px rgba(0, 0, 0, 0.25),
    inset 0 1px 0 rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  transition: all 0.25s var(--ease);
}

.btn-optout svg {
  flex-shrink: 0;
  opacity: 0.9;
}

.btn-optout:hover,
.btn-optout:focus {
  color: var(--white);
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.22),
    rgba(255, 255, 255, 0.1)
  );
  border-color: rgba(255, 255, 255, 0.65);
  transform: translateY(-3px);
  box-shadow:
    0 10px 32px rgba(0, 0, 0, 0.3),
    0 0 0 3px rgba(255, 255, 255, 0.08);
}

.btn-optout:active {
  transform: translateY(-1px);
}

.btn-outline-primary {
  color: var(--navy);
  border: 1.5px solid var(--navy);
  background: var(--white);
}

.btn-outline-primary:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-submit {
  flex: 1;
  min-width: 160px;
  max-width: 198px;
  margin-right: 0;
  display: flex;
  justify-content: end;
}
.cta-head {
  text-align: center;
  max-width: 590px;
  margin: 0 auto;
}
/* Thanks page */
.thanks-section {
  background: var(--grey-50);
  min-height: 60vh;
  padding-top: 6rem;
}

.thanks-icon {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: linear-gradient(
    135deg,
    rgba(245, 130, 32, 0.15),
    rgba(245, 130, 32, 0.05)
  );
  color: var(--orange);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  box-shadow: var(--shadow-sm);
}

.thanks-icon svg {
  width: 44px;
  height: 44px;
}

.thanks-headline {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

.thanks-lead {
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1rem;
}

.thanks-text {
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.thanks-confirmation {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: left;
  box-shadow: var(--shadow-md);
  max-width: 480px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.thanks-confirmation::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--orange), var(--orange-light));
}

.thanks-confirmation__label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.35rem;
}

.thanks-confirmation__detail {
  margin: 0;
  color: var(--text-dark);
  font-size: 0.95rem;
}
/* Legal pages (Privacy Policy, Terms of Engagement) */
.legal-section {
  background: var(--grey-50);
  padding-top: 6rem;
  padding-bottom: 4rem;
}

.legal-hero {
  position: relative;
  padding: 3rem 0 2.5rem;
  overflow: hidden;
}

.legal-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  /* background:
    radial-gradient(
      ellipse 60% 50% at 85% 20%,
      rgba(245, 130, 32, 0.1),
      transparent 55%
    ),
    radial-gradient(
      ellipse 40% 35% at 10% 70%,
      rgba(0, 0, 51, 0.05),
      transparent 50%
    ); */
  pointer-events: none;
}

.legal-hero__inner {
  position: relative;
  max-width: 820px;
}

.legal-hero__label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.85rem;
}

.legal-hero__label::before {
  content: "";
  width: 20px;
  height: 2px;
  background: var(--orange);
  border-radius: 2px;
}

.legal-hero__title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.75rem;
}

.legal-hero__subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin: 0;
  max-width: 640px;
}

.legal-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  /* box-shadow: var(--shadow-md); */
  padding: clamp(1.5rem, 4vw, 2.75rem);
  /* max-width: 820px; */
  position: relative;
  overflow: hidden;
}

.legal-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(
    90deg,
    var(--navy),
    var(--navy-soft),
    var(--orange)
  );
}

.legal-notice {
  background: linear-gradient(
    135deg,
    rgba(0, 0, 51, 0.04),
    rgba(245, 130, 32, 0.06)
  );
  border: 1px solid var(--grey-200);
  border-left: 4px solid var(--orange);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin-bottom: 2rem;
  font-size: 0.9rem;
  color: var(--text-dark);
  line-height: 1.65;
}

.legal-notice strong {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.35rem;
}

.legal-body {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.75;
}

.legal-body > p {
  margin-bottom: 1rem;
}

.legal-body > p:last-child {
  margin-bottom: 0;
}

.legal-body strong {
  color: var(--navy);
  font-weight: 700;
}

.legal-body ul,
.legal-body ol {
  margin: 0 0 1rem;
  /* padding-left: 1.5rem; */
}

.legal-body ul li,
.legal-body ol li {
  margin-bottom: 0.45rem;
}

.legal-body ul li:last-child,
.legal-body ol li:last-child {
  margin-bottom: 0;
}

.legal-body a {
  font-weight: 500;
}

.legal-list a {
  word-break: normal;
  overflow-wrap: anywhere;
}

.legal-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.875rem;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  overflow: hidden;
}

.legal-body table td {
  padding: 0.85rem 1rem;
  border: 1px solid var(--grey-200);
  vertical-align: top;
  color: var(--text-muted);
}

.legal-body table tr:first-child td {
  background: var(--grey-50);
  color: var(--navy);
  font-weight: 600;
}

.legal-body table td strong {
  font-size: inherit;
}

.legal-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 1.5rem 0;
  border-radius: var(--radius);
  border: 1px solid var(--grey-200);
}

.legal-table-wrap table {
  margin: 0;
  border: none;
  min-width: 560px;
}

.legal-table-wrap table td {
  border-color: var(--grey-200);
}

/* Fee band table — Terms of Engagement */
.legal-list__items > li.legal-list__item--table {
  display: grid;
  grid-template-columns: 2.25rem minmax(0, 1fr);
  grid-template-areas:
    "num content"
    "num table";
  column-gap: 0.6rem;
  align-items: start;
}

.legal-list__items > li.legal-list__item--table::before {
  grid-area: num;
}

.legal-list__items > li.legal-list__item--table .legal-table-wrap--fee {
  grid-area: table;
  grid-column: 1 / -1;
  width: 100%;
  margin-top: 2.35rem;
  margin-bottom: 1.75rem;
}

.legal-table-wrap--fee {
  margin: 0;
  width: 100%;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 32px rgba(0, 0, 51, 0.07);
  background: var(--white);
  position: relative;
  overflow: hidden;
}

.legal-table-wrap--fee::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--navy),
    var(--navy-soft),
    var(--orange)
  );
  z-index: 1;
}

.legal-fee-table {
  width: 100%;
  table-layout: fixed;
  border-collapse: separate;
  border-spacing: 0;
  margin: 0;
  border: none;
  font-size: 0.875rem;
}

.legal-fee-table__col-band {
  width: 12%;
}

.legal-fee-table__col-lower,
.legal-fee-table__col-upper,
.legal-fee-table__col-rate,
.legal-fee-table__col-max {
  width: 22%;
}

.legal-fee-table thead th {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.8125rem;
  line-height: 1.35;
  padding: 0.95rem 1rem;
  text-align: center;
  border: none;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
  vertical-align: middle;
}

.legal-fee-table thead th:last-child {
  border-right: none;
}

.legal-fee-table thead tr:first-child th {
  padding-top: 1.1rem;
}

.legal-fee-table thead tr:last-child th {
  background: var(--navy-soft);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 0.65rem 1rem 0.85rem;
  color: rgba(255, 255, 255, 0.92);
}

.legal-fee-table tbody td {
  padding: 0.9rem 1rem;
  border: none;
  border-bottom: 1px solid var(--grey-200);
  border-right: 1px solid var(--grey-100);
  vertical-align: middle;
  color: var(--text-dark);
  text-align: center;
}

.legal-fee-table tbody td:last-child {
  border-right: none;
}

.legal-fee-table tbody tr:last-child td {
  border-bottom: none;
}

.legal-fee-table tbody tr:nth-child(even) {
  background: var(--grey-50);
}

.legal-fee-table tbody tr:hover td {
  background: rgba(245, 130, 32, 0.05);
}

.legal-fee-table__band {
  text-align: center;
  width: 12%;
}

.legal-fee-table__band span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 2.25rem;
  height: 2.25rem;
  padding: 0 0.5rem;
  border-radius: 999px;
  background: rgba(245, 130, 32, 0.12);
  color: var(--orange);
  font-weight: 800;
  font-size: 0.875rem;
  line-height: 1;
}

.legal-fee-table__money {
  text-align: center;
  font-variant-numeric: tabular-nums;
  color: var(--text-muted);
}

.legal-fee-table__rate {
  text-align: center;
  font-weight: 800;
  color: var(--navy);
  white-space: nowrap;
}

.legal-fee-table__max-fee {
  text-align: center;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--navy);
  white-space: nowrap;
}

.legal-section-heading {
  font-size: 1rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: 2rem 0 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--grey-100);
}

.legal-section-heading:first-child {
  margin-top: 0;
}

/* Numbered rows — fixed-width number column prevents overlap */
.legal-num-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.legal-num-row--heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 1.75rem;
  margin-bottom: 0.75rem;
}

.legal-num-row--heading:first-child {
  margin-top: 0;
}

.legal-num-row__num {
  flex: 0 0 auto;
  min-width: 0.5rem;
  text-align: right;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.75;
}

.legal-num-row--heading .legal-num-row__num {
  min-width: 0.5rem;
  text-align: left;
}
ol.legal-link-list {
  padding-left: 22px;
}
.legal-num-row--sub .legal-num-row__num {
  font-weight: 600;
}

.legal-num-row__text {
  flex: 1 1 0;
  min-width: 0;
  line-height: 1.75;
}

.legal-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.legal-list__section {
  margin: 0;
}

.legal-list__heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 0.75rem;
  line-height: 1.5;
}

.legal-list__items {
  counter-reset: legal-item;
  list-style: none;
  padding: 0;
  margin: 0;
}

.legal-list__items > li {
  /* display: grid; */
  grid-template-columns: 2.25rem minmax(0, 1fr);
  grid-template-areas:
    "num content"
    "num sub";
  column-gap: 0.6rem;
  align-items: start;
  margin-bottom: 0.65rem;
}

.legal-list__items > li::before {
  counter-increment: legal-item;
  content: counter(legal-item) ".";
  grid-area: num;
  text-align: right;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.75;
}

/* .legal-list__items > li > :not(ul):not(.legal-table-wrap) {
  grid-area: content;
} */

.legal-list__items > li > a {
  display: inline;
}

.legal-list__items > li.legal-list__item--empty {
  margin-bottom: 0.65rem;
}

.legal-bullet-list {
  grid-area: sub;
  list-style: none;
  padding: 0.35rem 0 0;
  margin: 0;
}

.legal-bullet-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin-bottom: 0.45rem;
  color: var(--text-muted);
}

.legal-bullet-list li::before {
  content: "•";
  flex: 0 0 auto;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.75;
}

.legal-bullet-list li:last-child {
  margin-bottom: 0;
}

.legal-bullet-list--inline {
  grid-area: unset;
  padding: 0 0 0 2.25rem;
  margin: 0 0 1rem;
}

.legal-processing-table {
  width: 100%;
  table-layout: fixed;
  border-collapse: separate;
  border-spacing: 0;
  margin: 0;
  border: none;
  font-size: 0.875rem;
}

.legal-table-wrap--processing {
  margin: 1.5rem 0 0;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 32px rgba(0, 0, 51, 0.07);
  background: var(--white);
  position: relative;
  overflow: hidden;
}

.legal-table-wrap--processing::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--navy),
    var(--navy-soft),
    var(--orange)
  );
  z-index: 1;
}

.legal-processing-table thead th {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.8125rem;
  line-height: 1.35;
  padding: 0.95rem 1rem;
  text-align: left;
  border: none;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
  vertical-align: middle;
}

.legal-processing-table thead th:last-child {
  border-right: none;
}

.legal-processing-table tbody td {
  padding: 0.9rem 1rem;
  border: none;
  border-bottom: 1px solid var(--grey-200);
  border-right: 1px solid var(--grey-100);
  vertical-align: top;
  color: var(--text-muted);
  line-height: 1.6;
}

.legal-processing-table tbody td:last-child {
  border-right: none;
}

.legal-processing-table tbody tr:last-child td {
  border-bottom: none;
}

.legal-processing-table tbody tr:nth-child(even) {
  background: var(--grey-50);
}

.plain-list {
  list-style: none;
  padding-left: 0 !important;
  margin-bottom: 1rem;
}

.plain-list li {
  margin: 0 0 0.45rem;
  padding: 0;
}

.legal-link-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  display: grid;
  gap: 0.5rem;
}

.legal-link-list li {
  margin: 0;
}

.legal-link-list a {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 600;
}

.legal-link-list a::after {
  content: "→";
  font-size: 0.85em;
  opacity: 0.6;
  transition: transform 0.2s var(--ease);
}

.legal-link-list a:hover::after {
  transform: translateX(3px);
}

@media (max-width: 767.98px) {
  .legal-section {
    padding-top: 5.5rem;
    padding-bottom: 3rem;
  }

  .legal-hero {
    padding: 2rem 0 1.5rem;
  }

  .legal-card {
    padding: 1.25rem;
  }

  .legal-body table,
  .legal-table-wrap table {
    font-size: 0.8rem;
  }

  .legal-body table td {
    padding: 0.65rem 0.75rem;
  }

  .legal-fee-table {
    font-size: 0.8rem;
  }

  .legal-fee-table thead th {
    padding: 0.75rem 0.65rem;
    font-size: 0.75rem;
  }

  .legal-fee-table thead tr:last-child th {
    font-size: 0.7rem;
    padding: 0.55rem 0.65rem 0.7rem;
  }

  .legal-fee-table tbody td {
    padding: 0.75rem 0.65rem;
  }

  .legal-fee-table__band span {
    min-width: 2rem;
    height: 2rem;
    font-size: 0.8125rem;
  }

  .legal-list__items > li.legal-list__item--table .legal-table-wrap--fee {
    grid-column: 1 / -1;
  }

  .legal-table-wrap--fee {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .legal-fee-table {
    min-width: 520px;
    table-layout: auto;
  }
}
.reveal--delay p.cta-side-text {
  max-width: 100% !important;
}
/* Footer */
.site-footer {
  background: black;
  color: var(--white);
  padding-top: 4rem;
  margin-top: auto;
  position: relative;
}

.site-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--orange),
    var(--orange-light),
    var(--orange)
  );
}

.footer-grid {
  display: grid;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
}

.footer-contact-item {
  display: flex;
  flex-direction: row-reverse;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px dashed var(--footer-border);
}

.footer-contact-item.item-center {
  align-items: center;
}

.footer-contact-item:last-child {
  border-bottom: none;
}

.footer-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange-light);
}

.footer-icon svg {
  width: 20px;
  height: 20px;
}

.footer-contact a,
.footer-contact address {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
  line-height: 1.7;
  text-decoration: none;
}

.footer-contact a:hover {
  color: var(--orange-light);
}

.footer-contact address strong {
  color: var(--white);
  font-weight: 700;
}

.footer-heading {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1.25rem;
}

.footer-links ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
}

.footer-links li {
  margin-bottom: 0.6rem;
  margin-right: 31px;
}

.footer-links li::before {
  content: "";
  display: inline-block;
  width: 12px;
  height: 2px;
  background: var(--orange);
  margin-right: 0.6rem;
  vertical-align: middle;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
  transition: color 0.2s var(--ease);
}

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

.footer-legal {
  /* border-right: 1px solid var(--footer-border);
  padding-right: 2.5rem; */
  text-align: left;
}

.footer-legal p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.footer-legal p:last-child {
  margin-bottom: 0;
}

.footer-bottom {
  border-top: 1px solid var(--footer-border);
  padding: 1rem 0 1rem;
  text-align: center;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.45);
}

.footer-credit {
  font-size: 0.75rem !important;
  color: rgba(255, 255, 255, 0.3) !important;
  margin-top: 0.35rem !important;
}
.mobile-view {
  display: none;
}
/* Responsive */
@media (max-width: 991.98px) {
  .footer-legal {
    grid-column: 1 / -1;
    border-right: none;
    border-bottom: 1px solid var(--footer-border);
    padding-right: 0;
    padding-bottom: 2rem;
  }

  .stats-grid {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }

  .stat-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--grey-200);
  }

  .stat-item:last-child {
    border-bottom: none;
  }
  .desktop-view {
    display: none;
  }
  .mobile-view {
    display: block;
    margin-bottom: 0.85rem;
  }
  .hero-actions.mobile-view a {
    margin-bottom: 0.5rem;
  }
  .hero-headline {
    margin-bottom: 0.75rem !important;
  }
  .hero-actions {
    margin-top: 1rem !important;
  }
}
.brand-lockup--footer .brand-lockup__img--gains {
  filter: brightness(0) invert(1);
}
@media (max-width: 767.98px) {
  .reveal.mobile-view {
    display: none !important;
  }
  .hero-section {
    padding-top: 5rem;
  }

  .cs-section {
    padding: 7.5rem 0 2.5rem;
  }

  .cs-card {
    padding: 1.75rem 1.35rem 1.5rem;
    border-radius: var(--radius-lg);
  }

  .cs-card__header {
    margin-bottom: 1.35rem;
    padding-bottom: 1.15rem;
  }

  .cs-card__title {
    font-size: 1.4rem;
  }

  .cs-card__lead {
    font-size: 0.88rem;
  }

  .cs-statement {
    padding: 1.15rem 1.1rem;
    gap: 0.85rem;
  }

  .cs-statement__text {
    font-size: 0.95rem;
    line-height: 1.65;
  }

  .cs-disclaimer {
    padding: 1rem 1.1rem;
  }

  .cs-disclaimer p {
    font-size: 0.88rem;
  }
  /* .mb-none{
  display: none !important;
} */
  .header-nav a:not(.header-nav__cta) {
    display: none;
  }
  .brand-lockup {
    display: flex;
    align-items: center;
    gap: 1rem;
    justify-content: center;
  }

  .py-lg-6 {
    padding-top: 1.25rem !important;
    padding-bottom: 2rem !important;
  }

  .cta-section .py-lg-6 {
    padding-top: 2rem !important;
    padding-bottom: 2rem !important;
  }

  .main-banner {
    --bs-gutter-y: 0.85rem;
  }

  .section-header {
    margin-bottom: 1.25rem;
  }

  .mobile-view {
    margin-bottom: 0.75rem;
  }

  .hero-actions.mobile-view a {
    margin-bottom: 0.5rem;
  }

  .hero-headline {
    margin-bottom: 0.65rem !important;
  }

  .hero-actions {
    margin-top: 0.85rem !important;
  }

  .hero-text {
    margin-bottom: 0.65rem;
  }

  .hero-checklist {
    margin-bottom: 0.65rem;
  }

  .hero-checklist__item + .hero-checklist__item {
    margin-top: 0.45rem;
  }

  .hero-trust-bar {
    padding: 0.9rem 0;
  }

  .hero-trust-bar .hero-trust {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    justify-content: center;
    gap: 0.75rem 1rem;
  }

  .hero-trust-bar .hero-trust__item {
    flex: none;
    justify-content: center;
    text-align: center;
    min-width: 0;
  }

  .hero-trust {
    margin-top: 1.25rem;
    padding-top: 1.25rem;
    gap: 0.65rem;
  }

  .submit-section__top {
    padding: 1.75rem 0 2.75rem;
  }

  .submit-section__wave {
    height: 50px;
  }

  .claims-section--optout .claims-section__intro {
    text-align: center;
    margin-bottom: 1.25rem;
  }

  .claims-section--optout .section-desc {
    text-align: center;
    font-size: 0.9rem;
  }

  .submit-section--optout .submit-section__top {
    padding-top: 2rem;
  }

  .submit-header {
    margin-bottom: 0;
  }

  .submit-header__lead {
    font-size: 0.88rem;
    margin-bottom: 0.5rem;
  }

  .submit-card {
    padding: 1.15rem 1.1rem 1rem;
  }

  .submit-card__footer {
    margin-left: -14px;
    margin-right: -14px;
    margin-bottom: -1rem;
    padding: 1rem 1.1rem 1.1rem;
  }

  .submit-consent {
    padding: 0.9rem 0.85rem;
  }

  .submit-consent__text {
    font-size: 0.84rem;
  }

  .submit-card__note {
    margin-top: 0;
    padding-top: 0;
    font-size: 0.85rem;
  }

  .submit-card__note--alert {
    font-size: 0.82rem;
    padding: 0.85rem 0.9rem;
  }

  .submit-policy-box {
    padding: 0.9rem 0.85rem;
  }

  .submit-policy-box__text {
    font-size: 0.84rem;
  }

  .submit-card--optout .submit-card__footer {
    margin-top: 1rem;
  }

  .claims-row,
  .claims-row--total {
    padding-left: 0.9rem;
    padding-right: 0.9rem;
  }

  .claims-row--head {
    padding-top: 0.55rem;
    padding-bottom: 0.55rem;
  }

  .claims-row__head-label:last-child,
  .claims-row__value {
    min-width: 4.75rem;
  }

  .claims-row__lender {
    font-size: 0.78rem;
  }

  .claims-row__value {
    font-size: 0.7rem;
    padding: 0.18rem 0.5rem;
  }

  .claims-row__total {
    font-size: 1rem;
  }

  .cta-card--optin {
    padding: 0;
  }

  .cta-card__top {
    flex-direction: column;
    align-items: stretch;
    padding: 0.75rem 0.85rem 0.65rem;
    gap: 0.6rem;
  }

  .cta-card__brand {
    display: flex;
    justify-content: center;
    padding: 0.35rem 0.65rem;
  }

  .cta-progress {
    width: 100%;
    justify-content: space-between;
    padding: 0.25rem 0.35rem;
  }

  .cta-progress__label {
    display: none;
  }

  .cta-progress__line {
    flex: 1;
    width: auto;
  }

  .cta-card__body {
    grid-template-columns: 1fr;
    gap: 0.85rem;
    padding: 0.85rem;
  }

  .cta-card__badge {
    margin-bottom: 0.5rem;
    padding: 0.35rem 0.65rem;
    font-size: 0.66rem;
  }

  .cta-card__lead {
    margin-bottom: 0.4rem;
    font-size: 0.84rem;
    line-height: 1.5;
  }

  .cta-card__title {
    margin-bottom: 0.4rem;
    font-size: 1.6rem;
  }

  .cta-card__subtitle {
    margin-bottom: 0.75rem;
    font-size: 0.84rem;
    line-height: 1.55;
  }

  .cta-highlights {
    gap: 0.4rem;
    margin-bottom: 0.5rem;
  }

  .cta-highlights li {
    padding: 0.5rem 0.65rem;
    font-size: 0.8rem;
    gap: 0.5rem;
  }

  .cta-highlights__icon {
    width: 1.45rem;
    height: 1.45rem;
    border-radius: 8px;
  }

  .cta-next-step--inline {
    margin-top: 0.5rem;
    padding: 0.7rem 0.75rem;
    gap: 0.65rem;
  }

  .cta-next-step p {
    font-size: 0.8rem;
    line-height: 1.5;
  }

  .cta-next-step__icon {
    width: 1.85rem;
    height: 1.85rem;
  }

  .cta-card__form-panel {
    padding: 0.85rem;
  }

  .cta-form__head {
    margin-bottom: 0.65rem;
    padding-bottom: 0.65rem;
  }

  .cta-form {
    gap: 0.65rem;
  }

  .terms-box--optin {
    padding: 0.85rem 0.8rem;
  }

  .terms-box__text {
    font-size: 0.82rem;
    line-height: 1.5;
  }

  .cta-form__actions {
    gap: 0.55rem;
  }

  .cta-doc-link {
    padding: 0.5rem 0.75rem;
    font-size: 0.76rem;
  }

  .btn-submit--wide {
    padding: 0.9rem 1.15rem;
    font-size: 0.92rem;
  }

  .cta-form__secure {
    margin-top: 0.65rem;
    font-size: 0.7rem;
  }

  .cta-disclaimer {
    grid-template-columns: 1fr;
    gap: 0.45rem;
    padding: 0.75rem 0.85rem 0.9rem;
  }

  .cta-disclaimer__item {
    padding: 0.55rem 0.6rem;
    gap: 0.55rem;
  }

  .cta-disclaimer p {
    font-size: 0.72rem;
    line-height: 1.5;
  }

  .cta-disclaimer__icon {
    width: 1.35rem;
    height: 1.35rem;
  }

  .cta-doc-link {
    width: 100%;
    justify-content: center;
  }

  .cta-card {
    padding: 1rem;
  }

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

  .cta-actions .btn {
    width: 100%;
    max-width: 100%;
    justify-content: center;
  }

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

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .footer-grid {
    gap: 2rem;
  }

  .brand-lockup--header {
    gap: 0.75rem;
  }

  .brand-lockup--header .brand-lockup__img--allay {
    height: 2.5rem;
    max-width: 4.25rem;
  }

  .brand-lockup--header .brand-lockup__img--gains {
    height: 1.85rem;
    max-width: 7rem;
  }

  .brand-lockup--header .brand-lockup__divider {
    height: 1.75rem;
  }
  span.headline-light {
    font-size: 22px;
  }
}
@media (max-width: 480px) {
  a.brand-lockup__link.gains-logo img {
    width: 95px !important; 
}
  .claims-row__total {
    font-size: 0.95rem;
  }

  .claims-row__total-label {
    font-size: 0.75rem;
  }
  .pt-10 {
    padding-top: 22px !important;
  }
  .header-wrap {
    text-align: center;
  }
  .hero-trust-bar .hero-trust {
    grid-template-columns: repeat(2, minmax(0, 3fr));
    gap: 0.65rem;
  }

  .hero-trust-bar .hero-trust__item {
    justify-content: start;
    text-align: center;
    gap: 7px;
    font-size: 12px;
  }
  .hero-trust {
    justify-content: center;
    margin-top: 1rem;
    padding-top: 1rem;
  }
  .hero-text {
    font-size: 14px;
  }
  .section-desc {
    font-size: 14px;
  }

  .cta-section .py-lg-6 {
    padding-top: 1.5rem !important;
    padding-bottom: 1.5rem !important;
  }

  .submit-card {
    padding: 1rem 0.9rem;
  }

  .submit-header .section-title {
    font-size: 1.5rem;
  }

  .footer-legal {
    text-align: center;
  }
  .footer-links ul {
    display: flex;
    justify-content: center;
  }
  .footer-heading {
    text-align: center;
  }
  .footer-links li {
    margin-bottom: 0.6rem;
    margin: 0 15px;
  }
  .hero-checklist__item {
    font-size: 14px;
  }
  /* h1.hero-headline span.headline-bold b.headline-accent {
      display: block;
  } */
  .hero-actions.mobile-view a.btn {
    font-size: 13px;
    padding: 0.9rem 0.5rem;
  }
  .hero-actions.mobile-view {
    display: flex;
    flex-wrap: unset;
    flex-direction: unset;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

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

  .hero-badge__dot {
    animation: none;
  }

  .summary-card__link svg {
    animation: none;
  }
}
.item-center {
  align-items: center;
}

/* CTA modals */
.modal-backdrop.show {
  opacity: 0.72;
}

.gc-modal__dialog {
  max-width: 460px;
}

.gc-modal__content {
  background: linear-gradient(180deg, #0a0a3a 0%, var(--navy) 100%);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-xl);
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.45);
  overflow: hidden;
  color: rgba(255, 255, 255, 0.85);
}

.gc-modal__header {
  border: 0;
  padding: 1rem 1.25rem 0;
  justify-content: flex-end;
}

.gc-modal__body {
  padding: 0 2rem 1.5rem;
  text-align: center;
}

.gc-modal__footer {
  border: 0;
  padding: 0 2rem 2rem;
  gap: 0.75rem;
  justify-content: center;
}

.gc-modal .btn-close {
  filter: invert(1);
  opacity: 0.55;
  padding: 0.5rem;
}

.gc-modal .btn-close:hover {
  opacity: 0.9;
}

.gc-modal__icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.25rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(245, 130, 32, 0.14);
  border: 1px solid rgba(245, 130, 32, 0.35);
  color: var(--orange-light);
}

.gc-modal__icon--success {
  background: rgba(76, 175, 80, 0.14);
  border-color: rgba(76, 175, 80, 0.35);
  color: #81c784;
}

.gc-modal__title {
  color: var(--white);
  font-size: 1.5rem;
  font-weight: 700;
  line-height: 1.3;
  margin: 0 0 0.85rem;
}

.gc-modal__text {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.95rem;
  line-height: 1.75;
  margin: 0;
  max-width: 36ch;
  margin-inline: auto;
}

.btn-modal-secondary {
  color: rgba(255, 255, 255, 0.85);
  background: transparent;
  border: 1.5px solid rgba(255, 255, 255, 0.28);
  padding: 0.9rem 1.5rem;
}

.btn-modal-secondary:hover,
.btn-modal-secondary:focus {
  color: var(--white);
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.45);
}

.gc-modal__footer .btn {
  min-width: 148px;
  padding: 0.9rem 1.5rem;
}

@media (max-width: 575px) {
  .gc-modal__body,
  .gc-modal__footer {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }

  .gc-modal__footer {
    flex-direction: column-reverse;
  }

  .gc-modal__footer .btn {
    width: 100%;
    min-width: 0;
  }
}

li.legal-list__items > li.legal-list__item--table:before {
  display: none;
}