/* ==========================================================================
   STERLING & CROWNE — RECOVERY ADVISORY  |  PAYBACK PALETTE
   Premium legal-financial landing page — clean white + deep navy + gold
   Brand palette: #112152 (Blue Zodiac) / #FED700 (Gold) / #FFFFFF
   ========================================================================== */

:root {
    /* Core surfaces — white-led like payback.com */
    --bg-base:        #f5f7fa;        /* cool light blue-grey */
    --bg-section:     #ffffff;
    --bg-section-alt: #eef2f7;        /* faint blue-grey */
    --bg-accent:      #e3e9f1;

    /* Navy (Blue Zodiac family — built around #112152) */
    --navy-900: #060c24;    /* deepest */
    --navy-800: #0a153a;
    --navy-700: #112152;    /* ← payback primary */
    --navy-600: #1a2e6e;
    --navy-500: #2b418a;
    --navy-400: #3e57a8;
    --navy-300: #6b7fc4;

    /* Gold (Payback yellow family — built around #FED700) */
    --gold-700: #b89800;    /* dark/text-safe gold */
    --gold-600: #d9b800;
    --gold-500: #FED700;    /* ← payback primary gold */
    --gold-400: #ffe24d;
    --gold-300: #ffec80;

    /* Text */
    --text-heading:   #112152;
    --text-body:      #2c3654;
    --text-mute:      #6b7595;
    --text-micro:     #9aa3bd;
    --text-on-gold:   #112152;        /* dark navy text reads on bright gold */
    --text-on-navy:   #ffffff;

    /* Borders */
    --border-light:   rgba(17, 33, 82, 0.08);
    --border-medium:  rgba(17, 33, 82, 0.14);
    --border-gold:    rgba(254, 215, 0, 0.45);
    --border-gold-strong: rgba(254, 215, 0, 0.75);

    /* Shadows */
    --shadow-xs:  0 2px 8px rgba(17, 33, 82, 0.06);
    --shadow-sm:  0 4px 16px rgba(17, 33, 82, 0.08);
    --shadow-md:  0 8px 32px rgba(17, 33, 82, 0.10);
    --shadow-lg:  0 20px 60px rgba(17, 33, 82, 0.12);
    --shadow-xl:  0 40px 100px rgba(17, 33, 82, 0.15);
    --shadow-gold: 0 8px 32px rgba(254, 215, 0, 0.30);

    /* Typography */
    --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
    --font-body:    'Inter Tight', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    /* Radii */
    --r-sm: 6px;
    --r-md: 12px;
    --r-lg: 18px;
    --r-xl: 26px;

    /* Motion */
    --ease-out:   cubic-bezier(0.22, 1, 0.36, 1);
    --ease-spring:cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* ==========================================================================
   RESET & BASE
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: var(--font-body);
    background: var(--bg-base);
    color: var(--text-body);
    line-height: 1.65;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1,h2,h3,h4,h5,h6 {
    font-family: var(--font-display);
    font-weight: 500;
    color: var(--text-heading);
    letter-spacing: -0.018em;
    line-height: 1.1;
}

a { color: inherit; text-decoration: none; transition: color .2s ease; }
img { max-width: 100%; height: auto; }
::selection { background: var(--gold-400); color: var(--navy-800); }

/* Scrollbar */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg-section-alt); }
::-webkit-scrollbar-thumb { background: var(--border-medium); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--gold-500); }

/* ==========================================================================
   TOP BAR
   ========================================================================== */
.top-bar {
    background: var(--navy-800);
    color: rgba(255,255,255,0.65);
    font-size: 0.8rem;
    padding: 0.5rem 0;
    letter-spacing: 0.01em;
}
.top-bar i { color: var(--gold-400); margin-right: 0.45rem; }
.top-bar-right { display: flex; gap: 1.2rem; align-items: center; }
.top-bar-right a { color: rgba(255,255,255,0.6); transition: color .2s; }
.top-bar-right a:hover { color: var(--gold-300); }
.top-bar-right .divider { color: rgba(255,255,255,0.15); }

/* ==========================================================================
   NAVIGATION
   ========================================================================== */
.sterling-nav {
    background: rgba(255,255,255,0.94);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border-light);
    padding: 0.9rem 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: padding .3s var(--ease-out), box-shadow .3s ease, background .3s ease;
}

.sterling-nav.scrolled {
    padding: 0.55rem 0;
    background: rgba(255,255,255,0.98);
    box-shadow: var(--shadow-md);
}

.navbar-brand { display: flex; align-items: center; gap: 0.8rem; }

.brand-mark {
    width: 42px; height: 42px;
    border-radius: 9px;
    background: linear-gradient(135deg, var(--navy-700) 0%, var(--navy-500) 100%);
    color: var(--gold-400);
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-weight: 700; font-size: 1.1rem;
    letter-spacing: -0.03em;
    box-shadow: var(--shadow-sm);
}
.brand-mark .brand-amp { font-size: .65em; opacity: .7; margin: 0 -1px; }

.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-text strong {
    font-family: var(--font-display);
    color: var(--navy-800); font-size: 1rem; font-weight: 600; letter-spacing: .01em;
}
.brand-text small {
    color: var(--gold-600); font-size: .68rem;
    text-transform: uppercase; letter-spacing: .2em; font-weight: 600;
}

.sterling-nav .nav-link {
    color: var(--text-body);
    font-size: .9rem; font-weight: 500;
    padding: .55rem 1rem !important;
    position: relative; transition: color .2s;
}
.sterling-nav .nav-link:hover { color: var(--navy-700); }

.sterling-nav .nav-link::after {
    content: '';
    position: absolute; bottom: 4px; left: 50%;
    width: 0; height: 2px;
    background: var(--gold-500);
    border-radius: 1px;
    transition: width .35s var(--ease-out), left .35s var(--ease-out);
}
.sterling-nav .nav-link:hover::after { width: 18px; left: calc(50% - 9px); }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn-gold {
    background: var(--gold-500);
    color: var(--navy-700);
    font-weight: 700; font-size: .92rem;
    letter-spacing: .02em;
    padding: .7rem 1.5rem;
    border-radius: var(--r-sm);
    border: none;
    transition: transform .25s var(--ease-spring), box-shadow .25s ease, background .25s ease;
    box-shadow: var(--shadow-md), 0 0 0 0 rgba(254,215,0,0);
    position: relative; overflow: hidden;
    cursor: pointer;
}
.btn-gold::before {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,0) 0%, rgba(255,255,255,0.25) 100%);
    opacity: 0; transition: opacity .25s;
}
.btn-gold:hover {
    transform: translateY(-2px);
    background: var(--gold-400);
    color: var(--navy-700);
    box-shadow: var(--shadow-lg), 0 0 0 4px rgba(254,215,0,.18);
}
.btn-gold:hover::before { opacity: 1; }
.btn-gold:active { transform: translateY(0); }
.btn-gold.btn-lg { padding: .95rem 2rem; font-size: 1rem; }

/* Secondary CTA — solid navy (for the "Free Case Evaluation" button etc.) */
.btn-navy {
    background: var(--navy-700);
    color: #fff;
    font-weight: 600; font-size: .92rem;
    letter-spacing: .02em;
    padding: .7rem 1.5rem;
    border-radius: var(--r-sm);
    border: none;
    transition: all .25s var(--ease-spring);
    box-shadow: var(--shadow-md);
    cursor: pointer;
}
.btn-navy:hover {
    transform: translateY(-2px);
    background: var(--navy-600);
    color: #fff;
    box-shadow: var(--shadow-lg);
}
.btn-navy.btn-lg { padding: .95rem 2rem; font-size: 1rem; }

.btn-outline {
    background: transparent;
    color: var(--navy-700);
    border: 1.5px solid var(--navy-400);
    padding: .9rem 2rem; font-size: 1rem;
    font-weight: 500; border-radius: var(--r-sm);
    transition: all .25s ease; cursor: pointer;
}
.btn-outline:hover {
    background: var(--navy-700); color: #fff;
    border-color: var(--navy-700);
    box-shadow: var(--shadow-md);
}

.btn-ghost-light {
    background: transparent; color: var(--text-mute);
    border: 1px solid var(--border-medium);
    padding: .7rem 1.4rem; font-weight: 500; font-size: .9rem;
    border-radius: var(--r-sm); transition: all .25s; cursor: pointer;
}
.btn-ghost-light:hover {
    background: var(--bg-accent);
    border-color: var(--border-gold);
    color: var(--text-heading);
}
.btn-ghost-light:disabled { opacity: .35; cursor: not-allowed; }

/* ==========================================================================
   HERO — DARK NAVY (payback.com style)
   Solid navy background, white headline, gold accent words, yellow CTA
   ========================================================================== */
.hero {
    background: var(--navy-700);
    color: #fff;
    padding: 6rem 0 6.5rem;
    position: relative;
    overflow: hidden;
}

/* Subtle radial highlight from top-right to give depth */
.hero::before {
    content: '';
    position: absolute;
    top: -40%; right: -20%;
    width: 80%; height: 140%;
    background: radial-gradient(ellipse at center, rgba(254,215,0,0.08), transparent 60%);
    pointer-events: none; z-index: 0;
}

/* Subtle navy lighter pool at bottom-left */
.hero::after {
    content: '';
    position: absolute;
    bottom: -30%; left: -10%;
    width: 60%; height: 100%;
    background: radial-gradient(ellipse at center, rgba(43,65,138,0.4), transparent 65%);
    pointer-events: none; z-index: 0;
}

/* Faint grid texture */
.hero-grid {
    position: absolute; inset: 0; pointer-events: none; z-index: 0;
    background-image:
        linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
    background-size: 56px 56px;
    mask-image: radial-gradient(ellipse 90% 70% at 60% 40%, black, transparent 75%);
    -webkit-mask-image: radial-gradient(ellipse 90% 70% at 60% 40%, black, transparent 75%);
    animation: gridShift 30s linear infinite;
}
@keyframes gridShift {
    0% { background-position: 0 0; }
    100% { background-position: 56px 56px; }
}

/* Floating orbs — subtle gold and blue */
.hero-orb {
    position: absolute; border-radius: 50%;
    filter: blur(90px); pointer-events: none; z-index: 0;
}
.orb-1 {
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(254,215,0,.12), transparent 65%);
    top: -160px; right: -80px;
    animation: orbFloat 20s ease-in-out infinite;
}
.orb-2 {
    width: 380px; height: 380px;
    background: radial-gradient(circle, rgba(62,87,168,.35), transparent 65%);
    bottom: -120px; left: -60px;
    animation: orbFloat 24s ease-in-out infinite reverse;
}
.orb-3 {
    width: 240px; height: 240px;
    background: radial-gradient(circle, rgba(254,215,0,.06), transparent 65%);
    top: 45%; left: 35%;
    animation: orbFloat 16s ease-in-out infinite 4s;
}
@keyframes orbFloat {
    0%,100% { transform: translate(0,0) scale(1); }
    33%      { transform: translate(30px,-20px) scale(1.05); }
    66%      { transform: translate(-15px, 25px) scale(.96); }
}

.hero .container { position: relative; z-index: 2; }

.hero-content { padding-right: 2rem; }

/* Hero badge — gold-outlined pill on dark */
.hero-badge {
    display: inline-flex; align-items: center; gap: .6rem;
    padding: .5rem 1.1rem;
    background: rgba(254,215,0,0.08);
    border: 1px solid rgba(254,215,0,0.4);
    border-radius: 100px;
    color: var(--gold-500);
    font-size: .76rem; font-weight: 600;
    letter-spacing: .12em; text-transform: uppercase;
    margin-bottom: 2rem;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    animation: badgePop .6s var(--ease-spring) both;
}
.hero-badge .dot {
    width: 8px; height: 8px; border-radius: 50%;
    background: var(--gold-500);
    box-shadow: 0 0 0 3px rgba(254,215,0,.35), 0 0 12px rgba(254,215,0,.5);
    animation: dotPulse 2.5s ease-in-out infinite;
}
@keyframes dotPulse {
    0%,100% { box-shadow: 0 0 0 3px rgba(254,215,0,.35), 0 0 12px rgba(254,215,0,.5); }
    50%      { box-shadow: 0 0 0 7px rgba(254,215,0,.08), 0 0 18px rgba(254,215,0,.3); }
}
@keyframes badgePop {
    from { opacity:0; transform:scale(.85) translateY(8px); }
    to   { opacity:1; transform:scale(1)  translateY(0); }
}

/* Headline — white serif with gold italic accent */
.hero-headline {
    font-size: clamp(1.6rem, 5.2vw, 4.1rem);
    font-weight: 400;
    color: #ffffff;
    line-height: 1.1;
    margin-bottom: 1.5rem;
    letter-spacing: -.025em;
    animation: heroUp .75s var(--ease-out) .1s both;
}
.hero-headline em {
    font-style: italic;
    color: var(--gold-500);
    font-weight: 500;
}

.hero-sub {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.78);
    max-width: 580px;
    margin-bottom: 2.4rem;
    line-height: 1.7;
    animation: heroUp .75s var(--ease-out) .2s both;
}

.hero-actions {
    display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.8rem;
    animation: heroUp .75s var(--ease-out) .3s both;
}

/* Override btn-outline for the dark hero context — white border, white text */
.hero .btn-outline {
    background: transparent;
    color: #ffffff;
    border: 1.5px solid rgba(255,255,255,0.35);
}
.hero .btn-outline:hover {
    background: rgba(255,255,255,0.08);
    border-color: var(--gold-500);
    color: var(--gold-500);
    box-shadow: none;
}

/* Hero btn-gold gets extra glow on dark background */
.hero .btn-gold {
    box-shadow: var(--shadow-md), 0 0 0 0 rgba(254,215,0,.4);
}
.hero .btn-gold:hover {
    box-shadow: var(--shadow-lg), 0 0 0 6px rgba(254,215,0,.2);
}

/* Trust pills — dark-background variant */
.hero-trust {
    display: flex; flex-wrap: wrap; gap: .65rem;
    animation: heroUp .75s var(--ease-out) .4s both;
}
.hero .trust-pill {
    display: flex; align-items: center; gap: .5rem;
    padding: .5rem .95rem;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 100px;
    font-size: .82rem; color: rgba(255,255,255,0.78);
    box-shadow: none;
    transition: all .25s;
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
}
.hero .trust-pill:hover {
    border-color: rgba(254,215,0,0.5);
    color: var(--gold-500);
    background: rgba(254,215,0,0.06);
}
.hero .trust-pill i { color: var(--gold-500); font-size: .92rem; }

@keyframes heroUp {
    from { opacity:0; transform:translateY(22px); }
    to   { opacity:1; transform:translateY(0); }
}

/* Hero card — right side */
.hero-card {
    background: #fff;
    border: 1px solid var(--border-light);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    position: relative;
    animation: heroUp .85s var(--ease-out) .5s both;
    transition: box-shadow .4s ease;
}
.hero-card:hover { box-shadow: var(--shadow-xl), 0 0 0 4px rgba(254,215,0,.08); }

/* Subtle top stripe on card */
.hero-card::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--navy-700), var(--navy-400), var(--gold-500));
}

.hero-card-header {
    display: flex; justify-content: space-between; align-items: center;
    padding: .85rem 1.4rem;
    background: var(--bg-section-alt);
    border-bottom: 1px solid var(--border-light);
}
.hc-dots { display: flex; gap: 5px; }
.hc-dots span {
    width: 8px; height: 8px; border-radius: 50%;
    background: var(--border-medium);
}
.hc-dots span:first-child { background: var(--gold-500); }
.hc-label { font-size: .72rem; color: var(--text-micro); letter-spacing: .08em; text-transform: uppercase; }

.hero-card-body { padding: 1.5rem 1.5rem 1.8rem; }

.hc-row {
    display: flex; gap: .95rem;
    padding: .95rem 0;
    border-bottom: 1px solid var(--border-light);
    transition: background .2s;
}
.hc-row:last-of-type { border-bottom: none; }

.hc-icon {
    width: 40px; height: 40px; flex-shrink: 0;
    border-radius: 9px;
    background: var(--bg-section-alt);
    border: 1px solid var(--border-light);
    display: flex; align-items: center; justify-content: center;
    color: var(--navy-600); font-size: 1.05rem;
    transition: all .25s;
}
.hc-row:hover .hc-icon { background: var(--navy-700); color: var(--gold-400); border-color: var(--navy-700); }

.hc-row strong {
    display: block; font-family: var(--font-display); font-weight: 500;
    color: var(--text-heading); font-size: .98rem; margin-bottom: 2px;
}
.hc-row small { color: var(--text-mute); font-size: .8rem; }

.hc-cta {
    display: flex; justify-content: space-between; align-items: center;
    margin-top: 1.2rem; padding: .85rem 1.1rem;
    background: var(--gold-500);
    color: var(--navy-700); border-radius: 10px; font-weight: 700; font-size: .92rem;
    transition: all .3s var(--ease-out);
}
.hc-cta i { font-size: 1.1rem; transition: transform .3s var(--ease-spring); }
.hc-cta:hover { color: var(--navy-700); background: var(--gold-400); transform: translateX(3px); box-shadow: var(--shadow-md); }
.hc-cta:hover i { transform: translateX(4px); }

.hero-scroll {
    position: absolute; bottom: 2rem; left: 50%;
    transform: translateX(-50%);
    color: rgba(255,255,255,0.4); font-size: 1.3rem;
    animation: scrollBounce 2s ease-in-out infinite;
    z-index: 2;
}
@keyframes scrollBounce {
    0%,100% { transform: translate(-50%, 0); }
    50%      { transform: translate(-50%, 7px); }
}

/* ==========================================================================
   SECTION UTILITY
   ========================================================================== */
.section-eyebrow {
    color: var(--gold-600); font-size: .73rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .25em; margin-bottom: .85rem;
}
.section-title {
    font-size: clamp(1.75rem, 3.4vw, 2.65rem);
    font-weight: 400; color: var(--text-heading);
    margin-bottom: 1rem; letter-spacing: -.022em;
}
.section-lead {
    font-size: 1.02rem; color: var(--text-mute);
    line-height: 1.7; max-width: 600px; margin-bottom: 3rem;
}

/* Reveal animation */
.reveal {
    opacity: 0; transform: translateY(28px);
    transition: opacity .8s var(--ease-out), transform .8s var(--ease-out);
}
.reveal.in-view { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }

/* ==========================================================================
   STATS SECTION
   ========================================================================== */
.stats-section {
    padding: 6rem 0;
    background: var(--bg-section);
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
}

/* Gap between the big-number stats row and the trust-card row below it */
.stats-row { margin-top: 1rem; margin-bottom: 4rem; }
.trust-cards-row { margin-top: 1.5rem; }

.stat-card {
    padding: 2rem 1.8rem;
    background: var(--bg-base);
    border: 1px solid var(--border-light);
    border-radius: var(--r-md);
    position: relative; overflow: hidden;
    transition: all .4s var(--ease-out);
}
.stat-card::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
    transform: scaleX(0); transform-origin: left;
    transition: transform .6s var(--ease-out);
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--border-gold); }
.stat-card:hover::before { transform: scaleX(1); }

.stat-number {
    font-family: var(--font-display);
    font-size: clamp(2.6rem, 5vw, 3.5rem);
    font-weight: 400; color: var(--navy-700);
    line-height: 1; letter-spacing: -.04em; margin-bottom: .5rem;
}
.stat-label {
    color: var(--text-mute); font-size: .85rem;
    text-transform: uppercase; letter-spacing: .15em; margin-bottom: 1.5rem;
}
.stat-bar { height: 2px; background: var(--border-light); overflow: hidden; border-radius: 1px; }
.stat-bar span {
    display: block; height: 100%; width: 0;
    background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
    transition: width 2s var(--ease-out);
}
.stat-card.in-view .stat-bar span { width: 100%; }

/* Trust cards */
.trust-card {
    height: 100%; padding: 1.8rem 1.5rem;
    background: var(--bg-section);
    border: 1px solid var(--border-light);
    border-radius: var(--r-md);
    transition: all .3s var(--ease-out);
}
.trust-card:hover {
    border-color: var(--border-gold);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}
.trust-icon {
    width: 48px; height: 48px; border-radius: 11px;
    background: var(--bg-section-alt);
    border: 1px solid var(--border-light);
    display: flex; align-items: center; justify-content: center;
    color: var(--navy-600); font-size: 1.3rem; margin-bottom: 1.1rem;
    transition: all .3s;
}
.trust-card:hover .trust-icon { background: var(--navy-700); color: var(--gold-400); border-color: transparent; }
.trust-card h5 { font-size: 1.1rem; font-weight: 500; color: var(--text-heading); margin-bottom: .4rem; }
.trust-card p { color: var(--text-mute); font-size: .9rem; line-height: 1.6; margin: 0; }

/* ==========================================================================
   PROCESS SECTION
   ========================================================================== */
.process-section {
    padding: 6rem 0;
    background: var(--bg-section-alt);
    border-bottom: 1px solid var(--border-light);
}

.process-card {
    height: 100%; padding: 2rem 1.6rem;
    background: var(--bg-section);
    border: 1px solid var(--border-light);
    border-radius: var(--r-md);
    position: relative; overflow: hidden;
    transition: all .4s var(--ease-out);
}
.process-card::after {
    content: '';
    position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
    transform: scaleX(0); transform-origin: left;
    transition: transform .5s var(--ease-out);
}
.process-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--border-gold);
}
.process-card:hover::after { transform: scaleX(1); }

.process-num {
    font-family: var(--font-display);
    font-size: 2.8rem; font-weight: 300;
    color: var(--border-medium); line-height: 1; margin-bottom: .9rem;
    transition: color .35s;
}
.process-card:hover .process-num { color: var(--gold-500); }

.process-icon {
    width: 46px; height: 46px; border-radius: 10px;
    background: var(--bg-section-alt);
    border: 1px solid var(--border-light);
    display: flex; align-items: center; justify-content: center;
    color: var(--navy-600); font-size: 1.25rem; margin-bottom: 1.1rem;
    transition: all .3s;
}
.process-card:hover .process-icon { background: var(--navy-700); color: var(--gold-400); border-color: transparent; }

.process-card h5 { font-size: 1.12rem; font-weight: 500; color: var(--text-heading); margin-bottom: .5rem; }
.process-card p { color: var(--text-mute); font-size: .9rem; line-height: 1.6; margin: 0; }

/* ==========================================================================
   REVIEW / FORM SECTION — light style
   ========================================================================== */
.review-section {
    padding: 6rem 0;
    background: var(--bg-section);
    position: relative; overflow: hidden;
}
.review-section::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-gold), transparent);
}
/* Subtle background pattern */
.review-section::after {
    content: '';
    position: absolute; inset: 0; pointer-events: none; z-index: 0;
    background-image:
        radial-gradient(var(--border-light) 1px, transparent 1px);
    background-size: 28px 28px;
    opacity: .5;
}

.review-intro { text-align: center; margin-bottom: 3rem; position: relative; z-index: 1; }
.review-intro .section-lead { margin: 0 auto 0; }

/* Light form card */
.form-card {
    background: #fff;
    border: 1px solid var(--border-light);
    border-radius: var(--r-xl);
    padding: 2.8rem;
    box-shadow: var(--shadow-xl);
    position: relative; z-index: 1;
}

/* Striped header on form */
.form-card-stripe {
    position: absolute; top: 0; left: 0; right: 0; height: 4px;
    background: linear-gradient(90deg, var(--navy-700) 0%, var(--navy-400) 50%, var(--gold-500) 100%);
    border-radius: var(--r-xl) var(--r-xl) 0 0;
}

/* Progress */
.form-progress { margin-bottom: 2.2rem; }
.progress-track {
    height: 5px; background: var(--bg-section-alt);
    border-radius: 3px; overflow: hidden; margin-bottom: .65rem;
}
.progress-fill {
    height: 100%; width: 16.66%;
    background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
    border-radius: 3px;
    transition: width .55s var(--ease-out);
    box-shadow: 0 0 8px rgba(254,215,0,.4);
}
.progress-steps {
    display: flex; justify-content: space-between;
    counter-reset: step;
}
.p-step {
    width: 28px; height: 28px; border-radius: 50%;
    background: var(--bg-section-alt);
    border: 2px solid var(--border-light);
    display: flex; align-items: center; justify-content: center;
    font-size: .72rem; font-weight: 700; color: var(--text-micro);
    transition: all .4s var(--ease-spring);
    position: relative;
}
.p-step.active {
    background: var(--navy-700); border-color: var(--navy-700);
    color: #fff; transform: scale(1.15);
    box-shadow: 0 4px 14px rgba(17,33,82,.25);
}
.p-step.done {
    background: var(--gold-500); border-color: var(--gold-500); color: #fff;
}
.p-step.done::after { content: '✓'; font-size: .7rem; }
.p-step:not(.done)::after { content: attr(data-n); }

.progress-meta {
    display: flex; justify-content: space-between;
    color: var(--text-micro); font-size: .8rem; margin-top: .4rem;
}
.progress-meta strong { color: var(--navy-600); }

/* Form steps */
.form-step { display: none; animation: stepSlide .4s var(--ease-out); }
.form-step.active { display: block; }
@keyframes stepSlide {
    from { opacity:0; transform: translateX(18px); }
    to   { opacity:1; transform: translateX(0); }
}

.step-eyebrow {
    color: var(--gold-600); font-size: .7rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .2em; margin-bottom: .5rem;
}
.step-title {
    font-family: var(--font-display); font-size: 1.45rem; font-weight: 500;
    color: var(--text-heading); margin-bottom: .4rem;
}
.step-sub { color: var(--text-mute); font-size: .93rem; margin-bottom: 1.8rem; }

/* Floating fields — light */
.floating-field { position: relative; margin-bottom: 1.1rem; }

.floating-field input,
.floating-field textarea {
    width: 100%;
    height: 56px;
    padding: 1.15rem 1rem .35rem;
    background: var(--bg-base);
    border: 1.5px solid var(--border-medium);
    border-radius: 10px;
    color: var(--text-heading); font-family: var(--font-body); font-size: .97rem;
    transition: all .25s ease; outline: none; resize: none;
}
.floating-field textarea { height: auto; padding-top: 1.5rem; min-height: 130px; resize: vertical; }

.floating-field input:focus,
.floating-field textarea:focus {
    border-color: var(--navy-600);
    background: #fff;
    box-shadow: 0 0 0 4px rgba(17,33,82,.07);
}
.floating-field label {
    position: absolute; left: 1rem; top: .95rem;
    color: var(--text-mute); font-size: .97rem;
    pointer-events: none; transition: all .2s ease;
}
.floating-field input:focus + label,
.floating-field input:not(:placeholder-shown) + label,
.floating-field textarea:focus + label,
.floating-field textarea:not(:placeholder-shown) + label {
    top: .38rem; font-size: .68rem;
    color: var(--navy-600); letter-spacing: .05em; text-transform: uppercase;
}
.field-error { color: #c0394e; font-size: .8rem; margin-top: .3rem; min-height: .95rem; }
.floating-field.has-error input,
.floating-field.has-error textarea { border-color: #c0394e; background: #fff8f8; }
.char-counter { text-align: right; font-size: .75rem; color: var(--text-micro); margin-top: .2rem; }

/* ==========================================================================
   COUNTRY PICKER — custom dropdown with search
   ========================================================================== */

/* Phone group layout */
.phone-group {
    display: grid;
    grid-template-columns: 110px 1fr;
    gap: .65rem;
    align-items: start;
    margin-bottom: 1.1rem;
}
.phone-group .phone-field { margin-bottom: 0; }
.phone-group .phone-field input {
    height: 56px;
    padding: 1.15rem 1rem .35rem;
}

.country-picker {
    position: relative;
    height: 56px;
}

.country-trigger {
    display: flex;
    align-items: center;
    gap: .55rem;
    width: 100%;
    height: 56px;
    padding: 0 .9rem;
    background: var(--bg-base);
    border: 1.5px solid var(--border-medium);
    border-radius: 10px;
    color: var(--text-heading);
    font-family: var(--font-body);
    font-size: .95rem;
    font-weight: 500;
    cursor: pointer;
    transition: all .25s ease;
    white-space: nowrap;
}
.country-trigger:hover {
    border-color: var(--navy-400);
    background: #fff;
}
.country-trigger:focus,
.country-picker.open .country-trigger {
    outline: none;
    border-color: var(--navy-600);
    background: #fff;
    box-shadow: 0 0 0 4px rgba(17,33,82,.07);
}

.country-flag {
    font-size: 1.2rem;
    line-height: 1;
    flex-shrink: 0;
}
.country-dial {
    color: var(--text-heading);
    font-weight: 600;
    letter-spacing: .01em;
    flex: 1;
    text-align: left;
}
.country-chev {
    font-size: .75rem;
    color: var(--text-mute);
    transition: transform .3s var(--ease-out);
    flex-shrink: 0;
}
.country-picker.open .country-chev {
    transform: rotate(180deg);
    color: var(--navy-600);
}

/* Loading state — subtle pulse while geo detection runs */
.country-trigger.loading .country-flag {
    animation: countryPulse 1.4s ease-in-out infinite;
}
@keyframes countryPulse {
    0%, 100% { opacity: 1; }
    50%      { opacity: .4; }
}

/* Popup */
.country-pop {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    width: 320px;
    max-width: calc(100vw - 2rem);
    background: #fff;
    border: 1px solid var(--border-medium);
    border-radius: 12px;
    box-shadow: var(--shadow-xl);
    z-index: 100;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px) scale(.98);
    pointer-events: none;
    transition: opacity .22s var(--ease-out), transform .22s var(--ease-out), visibility 0s linear .22s;
    overflow: hidden;
}
.country-picker.open .country-pop {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
    pointer-events: auto;
    transition: opacity .22s var(--ease-out), transform .22s var(--ease-out), visibility 0s linear 0s;
}

.country-search-wrap {
    position: relative;
    padding: .85rem;
    border-bottom: 1px solid var(--border-light);
    background: var(--bg-section-alt);
}
.country-search-wrap i {
    position: absolute;
    left: 1.5rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-micro);
    font-size: .9rem;
    pointer-events: none;
}
#countrySearch {
    width: 100%;
    height: 40px;
    padding: 0 .85rem 0 2.1rem;
    background: #fff;
    border: 1.5px solid var(--border-medium);
    border-radius: 8px;
    color: var(--text-heading);
    font-family: var(--font-body);
    font-size: .92rem;
    outline: none;
    transition: all .2s;
}
#countrySearch:focus {
    border-color: var(--navy-600);
    box-shadow: 0 0 0 3px rgba(17,33,82,.07);
}

.country-list {
    max-height: 280px;
    overflow-y: auto;
    overscroll-behavior: contain;
    padding: .35rem;
}
.country-list::-webkit-scrollbar { width: 6px; }
.country-list::-webkit-scrollbar-thumb { background: var(--border-medium); border-radius: 3px; }

.country-row {
    display: flex;
    align-items: center;
    gap: .7rem;
    width: 100%;
    padding: .65rem .75rem;
    background: transparent;
    border: none;
    border-radius: 7px;
    color: var(--text-body);
    font-family: var(--font-body);
    font-size: .92rem;
    text-align: left;
    cursor: pointer;
    transition: background .15s, color .15s;
}
.country-row:hover,
.country-row:focus-visible {
    background: var(--bg-section-alt);
    color: var(--text-heading);
    outline: none;
}
.country-row.selected {
    background: var(--bg-accent);
    color: var(--navy-700);
    font-weight: 600;
}
.country-row .cr-flag { font-size: 1.15rem; flex-shrink: 0; }
.country-row .cr-name { flex: 1; }
.country-row .cr-dial {
    color: var(--text-mute);
    font-size: .86rem;
    font-weight: 500;
    margin-left: auto;
}
.country-row.selected .cr-dial { color: var(--navy-600); }

.country-empty {
    padding: 1.5rem 1rem;
    text-align: center;
    color: var(--text-mute);
    font-size: .88rem;
}

/* Detected pill at top */
.country-detected {
    display: flex;
    align-items: center;
    gap: .5rem;
    padding: .55rem .85rem;
    margin: .35rem;
    background: linear-gradient(90deg, rgba(254,215,0,.08), transparent);
    border-radius: 7px;
    font-size: .72rem;
    color: var(--gold-700);
    font-weight: 600;
    letter-spacing: .08em;
    text-transform: uppercase;
}
.country-detected i { color: var(--gold-500); }


/* Option grid */
.option-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; }
.option-card { cursor: pointer; display: block; }
.option-card input { display: none; }
.option-inner {
    padding: 1.1rem 1rem;
    background: var(--bg-base); border: 1.5px solid var(--border-medium);
    border-radius: 11px; color: var(--text-body); font-weight: 500;
    display: flex; align-items: center; gap: .75rem;
    transition: all .25s var(--ease-out); position: relative;
}
.option-inner i { font-size: 1.25rem; color: var(--navy-500); transition: all .3s; }
.option-card:hover .option-inner {
    border-color: var(--navy-400); background: #fff;
    box-shadow: var(--shadow-sm); transform: translateY(-1px);
}
.option-card input:checked + .option-inner {
    border-color: var(--navy-700); background: #fff;
    color: var(--navy-700); box-shadow: 0 0 0 3px rgba(17,33,82,.1), var(--shadow-sm);
}
.option-card input:checked + .option-inner i { color: var(--navy-700); }
.option-card input:checked + .option-inner::after {
    content: '\F26B'; font-family: 'bootstrap-icons';
    position: absolute; right: .9rem; color: var(--navy-700); font-size: 1.1rem;
}

/* Loss grid */
.loss-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; }
.loss-card { cursor: pointer; display: block; }
.loss-card input { display: none; }
.loss-inner {
    padding: 1.3rem 1.1rem;
    background: var(--bg-base); border: 1.5px solid var(--border-medium);
    border-radius: 11px; transition: all .25s var(--ease-out); position: relative;
}
.loss-card.recommended .loss-inner::before {
    content: 'Priority';
    position: absolute; top: -9px; right: 12px;
    background: var(--navy-700); color: #fff;
    padding: 2px 9px; border-radius: 100px;
    font-size: .62rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
}
.loss-amount {
    font-family: var(--font-display); font-size: 1.3rem; font-weight: 500;
    color: var(--text-heading); margin-bottom: .2rem;
}
.loss-meta { color: var(--text-mute); font-size: .82rem; text-transform: uppercase; letter-spacing: .1em; }
.loss-card:hover .loss-inner { border-color: var(--navy-400); background: #fff; transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.loss-card input:checked + .loss-inner {
    border-color: var(--navy-700); background: #fff;
    box-shadow: 0 0 0 3px rgba(17,33,82,.1);
}
.loss-card input:checked + .loss-inner .loss-amount { color: var(--navy-700); }

/* Qualification notice */
.qualification-notice {
    margin-top: 1.2rem; padding: .95rem 1.1rem;
    background: #fff8e8; border: 1px solid rgba(254,215,0,.35);
    border-radius: 10px; color: var(--gold-700); font-size: .88rem; line-height: 1.5;
    display: none; align-items: center; gap: .7rem;
}
.qualification-notice.show { display: flex; animation: fadeUp .3s var(--ease-out); }
.qualification-notice i { color: var(--gold-500); font-size: 1.05rem; flex-shrink: 0; }

/* Doc grid */
.doc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .7rem; }
.doc-card { cursor: pointer; display: block; }
.doc-card input { display: none; }
.doc-inner {
    padding: 1.4rem .9rem; background: var(--bg-base);
    border: 1.5px solid var(--border-medium); border-radius: 11px;
    text-align: center; transition: all .25s var(--ease-out);
}
.doc-inner i { font-size: 1.7rem; color: var(--navy-500); display: block; margin-bottom: .4rem; transition: all .25s; }
.doc-inner strong { display: block; color: var(--text-heading); font-size: 1rem; margin-bottom: .15rem; }
.doc-inner small { color: var(--text-micro); font-size: .77rem; }
.doc-card:hover .doc-inner { border-color: var(--navy-400); background: #fff; transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.doc-card input:checked + .doc-inner { border-color: var(--navy-700); background: #fff; box-shadow: 0 0 0 3px rgba(17,33,82,.1); }
.doc-card input:checked + .doc-inner i { color: var(--navy-700); }

/* Checkboxes */
.check-row {
    display: flex; align-items: flex-start; gap: .8rem;
    padding: .95rem 1rem; background: var(--bg-base);
    border: 1.5px solid var(--border-light);
    border-radius: 10px; margin-bottom: .65rem; cursor: pointer;
    transition: all .22s;
}
.check-row:hover { background: #fff; border-color: var(--border-gold); }
.check-row input { display: none; }
.check-box {
    width: 19px; height: 19px; border-radius: 4px; flex-shrink: 0; margin-top: 2px;
    border: 1.5px solid var(--border-medium); transition: all .2s; position: relative;
    background: #fff;
}
.check-row input:checked ~ .check-box { background: var(--navy-700); border-color: var(--navy-700); }
.check-row input:checked ~ .check-box::after { content: '✓'; position: absolute; color: #fff; font-weight: 700; font-size: .78rem; top: -2px; left: 3px; }
.check-text { color: var(--text-body); font-size: .9rem; line-height: 1.5; }
.check-row.has-error { border-color: #c0394e; background: #fff8f8; }

.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* Form nav */
.form-nav {
    display: flex; justify-content: space-between; align-items: center; gap: 1rem;
    margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--border-light);
}
.btn-next, .btn-submit { margin-left: auto; }

/* Success */
.form-success {
    display: none; text-align: center; padding: 3.5rem 2rem;
    background: #fff; border: 1px solid var(--border-light);
    border-radius: var(--r-xl); box-shadow: var(--shadow-xl);
    animation: fadeUp .5s var(--ease-out);
    position: relative; z-index: 1;
}
.form-success::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; height: 4px;
    background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
    border-radius: var(--r-xl) var(--r-xl) 0 0;
}
.form-success.show { display: block; }
.success-icon {
    width: 76px; height: 76px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
    color: #fff; display: flex; align-items: center; justify-content: center;
    font-size: 2.2rem; margin: 0 auto 1.5rem;
    box-shadow: var(--shadow-lg);
    animation: scaleIn .5s var(--ease-spring) .1s both;
}
@keyframes scaleIn {
    from { transform: scale(0); }
    to   { transform: scale(1); }
}
.form-success h3 { font-size: 1.65rem; color: var(--text-heading); margin-bottom: .5rem; }
.form-success p { color: var(--text-mute); font-size: .97rem; max-width: 440px; margin: 0 auto 1.5rem; }
.success-meta {
    display: flex; justify-content: center; gap: 2rem; flex-wrap: wrap;
    padding-top: 1.4rem; border-top: 1px solid var(--border-light);
    color: var(--text-mute); font-size: .86rem;
}
.success-meta i { color: var(--navy-600); margin-right: .35rem; }
.success-meta strong { color: var(--navy-700); }

@keyframes fadeUp {
    from { opacity:0; transform: translateY(16px); }
    to   { opacity:1; transform: translateY(0); }
}

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.testimonials-section {
    padding: 6rem 0;
    background: var(--bg-section-alt);
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
}

.testimonial-card {
    height: 100%; padding: 2rem 1.6rem;
    background: #fff; border: 1px solid var(--border-light);
    border-radius: var(--r-md); box-shadow: var(--shadow-xs);
    position: relative; overflow: hidden;
    transition: all .35s var(--ease-out);
}
.testimonial-card::before {
    content: '';
    position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
    background: linear-gradient(180deg, var(--navy-700), var(--gold-500));
    transform: scaleY(0); transform-origin: top;
    transition: transform .4s var(--ease-out);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--border-gold); }
.testimonial-card:hover::before { transform: scaleY(1); }

.quote-mark {
    font-family: var(--font-display); font-size: 3.5rem; color: var(--gold-400);
    line-height: .7; font-weight: 700; margin-bottom: 1rem; opacity: .8;
}
.testimonial-card p {
    color: var(--text-body); font-size: .92rem; line-height: 1.7;
    font-style: italic; margin-bottom: 1.4rem;
}
.testimonial-footer {
    display: flex; align-items: center; gap: .85rem;
    padding-top: 1rem; border-top: 1px solid var(--border-light);
}
.t-initials {
    width: 40px; height: 40px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
    color: #fff; display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display); font-weight: 600; font-size: .85rem;
}
.testimonial-footer strong { display: block; color: var(--text-heading); font-size: .92rem; }
.testimonial-footer small { color: var(--text-micro); font-size: .78rem; }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-section { padding: 6rem 0; background: var(--bg-section); }

.sterling-accordion .accordion-item {
    background: #fff; border: 1px solid var(--border-light) !important;
    border-radius: var(--r-md) !important; margin-bottom: .6rem; overflow: hidden;
    box-shadow: var(--shadow-xs); transition: box-shadow .3s, border-color .3s;
}
.sterling-accordion .accordion-item:hover { border-color: var(--border-gold) !important; box-shadow: var(--shadow-md); }
.sterling-accordion .accordion-button {
    background: #fff; color: var(--text-heading);
    font-family: var(--font-display); font-size: 1.05rem; font-weight: 500;
    padding: 1.15rem 1.4rem; box-shadow: none; border: none; letter-spacing: -.01em;
    transition: background .25s;
}
.sterling-accordion .accordion-button:not(.collapsed) {
    background: var(--bg-base); color: var(--navy-700);
}
.sterling-accordion .accordion-button:focus { box-shadow: none; }
.sterling-accordion .accordion-button::after {
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230f1f36'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}
.sterling-accordion .accordion-body {
    color: var(--text-mute); font-size: .93rem; line-height: 1.7;
    padding: 0 1.4rem 1.4rem; background: var(--bg-base);
}

/* ==========================================================================
   DISCLAIMER BAR
   ========================================================================== */
.disclaimer-bar {
    background: var(--bg-accent);
    border-top: 1px solid var(--border-gold);
    border-bottom: 1px solid var(--border-gold);
    padding: 1.2rem 0;
}
.disclaimer-inner {
    display: flex; align-items: flex-start; gap: .85rem;
    color: var(--text-mute); font-size: .86rem; line-height: 1.6;
}
.disclaimer-inner i { color: var(--gold-600); font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.disclaimer-inner strong { color: var(--gold-700); }
.disclaimer-inner p { margin: 0; }

/* ==========================================================================
   FOOTER — navy dark (kept dark for contrast/authority)
   ========================================================================== */
.sterling-footer {
    background: var(--navy-900);
    color: rgba(255,255,255,.55);
    padding: 4.5rem 0 1.5rem;
    position: relative;
}
.sterling-footer::before {
    content: '';
    position: absolute; top: 0; left: 50%; transform: translateX(-50%);
    width: 240px; height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold-500), transparent);
}
.footer-brand { display: inline-flex; align-items: center; gap: .8rem; margin-bottom: 1.4rem; }
/* Invert brand-mark for dark footer */
.sterling-footer .brand-mark {
    background: linear-gradient(135deg, var(--gold-500), var(--gold-600));
    color: var(--navy-900);
}
.sterling-footer .brand-text strong { color: #fff; }
.sterling-footer .brand-text small { color: var(--gold-400); }

.footer-desc { color: rgba(255,255,255,.4); font-size: .9rem; line-height: 1.65; margin-bottom: 1.4rem; max-width: 360px; }
.footer-badges { display: flex; flex-wrap: wrap; gap: .45rem; }
.badge-pill {
    display: inline-flex; align-items: center; gap: .3rem;
    padding: .3rem .7rem;
    background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08);
    border-radius: 100px; font-size: .72rem; color: rgba(255,255,255,.4);
}
.badge-pill i { color: var(--gold-500); }

.footer-title { font-family: var(--font-display); color: rgba(255,255,255,.8); font-size: .9rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 1.1rem; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .6rem; font-size: .88rem; }
.footer-links a { color: rgba(255,255,255,.4); transition: color .2s, padding-left .2s; }
.footer-links a:hover { color: var(--gold-400); padding-left: 4px; }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { color: rgba(255,255,255,.4); display: flex; align-items: flex-start; gap: .55rem; margin-bottom: .6rem; font-size: .88rem; line-height: 1.5; }
.footer-contact i { color: var(--gold-500); flex-shrink: 0; margin-top: 2px; }
.footer-contact a { color: rgba(255,255,255,.55); transition: color .2s; }
.footer-contact a:hover { color: var(--gold-400); }
.footer-bottom { margin-top: 3rem; padding-top: 1.4rem; border-top: 1px solid rgba(255,255,255,.06); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; color: rgba(255,255,255,.25); font-size: .82rem; }
.footer-bottom-links { display: flex; gap: 1.4rem; }
.footer-bottom-links a { color: rgba(255,255,255,.25); transition: color .2s; }
.footer-bottom-links a:hover { color: var(--gold-400); }

/* ==========================================================================
   DYNAMIC EXTRAS — floating elements, parallax hints, micro-interactions
   ========================================================================== */

/* Floating number tickers on stats */
.stat-ticker {
    position: absolute; top: 1.2rem; right: 1.2rem;
    width: 32px; height: 32px; border-radius: 50%;
    background: var(--bg-accent); border: 1px solid var(--border-gold);
    display: flex; align-items: center; justify-content: center;
    color: var(--gold-600); font-size: .9rem;
}

/* Card entrance animation helpers */
.card-fade {
    opacity: 0; transform: translateY(24px) scale(.98);
    transition: opacity .7s var(--ease-out), transform .7s var(--ease-out);
}
.card-fade.in-view { opacity: 1; transform: translateY(0) scale(1); }

/* Step dot line between progress dots */
.progress-steps { position: relative; }
.progress-steps::before {
    content: '';
    position: absolute; top: 50%; left: 0; right: 0; height: 1px;
    background: var(--border-light); z-index: 0; transform: translateY(-50%);
}
.p-step { z-index: 1; }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 991px) {
    .top-bar { font-size: .75rem; padding: .35rem 0; }
    .top-bar-left span { display: none; }
    .top-bar-left i { font-size: 1rem; }

    /* Mobile collapsed menu — clean white panel inside the nav */
    .sterling-nav .navbar-collapse {
        margin-top: .75rem;
        padding: 1rem .25rem 1.25rem;
        border-top: 1px solid var(--border-light);
    }
    .sterling-nav .nav-item { width: 100%; }
    .sterling-nav .nav-link {
        padding: .85rem .25rem !important;
        font-size: 1.05rem;
        border-bottom: 1px solid var(--border-light);
    }
    .sterling-nav .navbar-nav > li:last-of-type .nav-link { border-bottom: none; }
    .sterling-nav .nav-link::after { display: none; }
    .sterling-nav .navbar-nav > li:last-child {
        margin-top: 1rem;
    }
    .sterling-nav .btn-gold {
        width: 100%;
        justify-content: center;
        text-align: center;
        padding: .9rem 1.5rem !important;
    }

    /* Hero re-layout on tablet/mobile */
    .hero { padding: 3rem 0 4rem; }
    .hero-content { padding-right: 0; }
    .hero-card { margin-top: 2.5rem; }
}

@media (max-width: 767px) {
    /* Bootstrap row override — kill the gutter that pushes content around on mobile */
    .hero .row {
        margin-left: 0 !important;
        margin-right: 0 !important;
        --bs-gutter-x: 0 !important;
        --bs-gutter-y: 1.5rem !important;
    }
    .hero .row > [class*="col-"] {
        padding-left: 0 !important;
        padding-right: 0 !important;
        max-width: 100% !important;
        flex: 0 0 100% !important;
    }

    /* Sections — tighter padding */
    .stats-section, .process-section, .review-section,
    .testimonials-section, .faq-section, .press-section { padding: 3.5rem 0; }
    .form-card { padding: 1.6rem 1.2rem; }

    /* Hero — fit everything inside the viewport */
    .hero { padding: 2rem 0 2.5rem; }
    .hero-content {
        padding-right: 0 !important;
        padding-left: 0 !important;
        width: 100%;
    }
    .hero-badge {
        font-size: .62rem;
        padding: .35rem .8rem;
        letter-spacing: .08em;
        margin-bottom: 1.1rem;
    }
    .hero-headline {
        font-size: 2.05rem !important;
        line-height: 1.12 !important;
        margin-bottom: .95rem;
        word-wrap: break-word;
        overflow-wrap: break-word;
        letter-spacing: -.022em;
    }
    .hero-sub {
        font-size: .92rem;
        line-height: 1.55;
        margin-bottom: 1.4rem;
    }

    /* CTA buttons — stack full-width but smaller padding */
    .hero-actions {
        flex-direction: column;
        gap: .55rem;
        margin-bottom: 1.4rem;
        width: 100%;
    }
    .hero-actions .btn {
        width: 100%;
        text-align: center;
        justify-content: center;
        padding: .82rem 1.2rem;
        font-size: .92rem;
    }

    /* Trust pills — 2-column compact grid */
    .hero-trust {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: .5rem;
    }
    .hero .trust-pill {
        padding: .5rem .7rem;
        font-size: .72rem;
        justify-content: flex-start;
        min-width: 0;
        white-space: nowrap;
        overflow: hidden;
        text-overflow: ellipsis;
    }

    /* Form */
    .option-grid, .loss-grid { grid-template-columns: 1fr; }
    .doc-grid { grid-template-columns: 1fr; }
    .phone-group { grid-template-columns: 100px 1fr; gap: .5rem; }
    .country-pop { width: calc(100vw - 2.5rem); }
    .form-nav { flex-direction: column-reverse; gap: .6rem; }
    .form-nav .btn { width: 100%; justify-content: center; }
    .btn-next, .btn-submit { margin-left: 0; }
    .progress-steps { display: none; }

    /* Footer */
    .footer-bottom { justify-content: center; text-align: center; }
    .footer-bottom-links { justify-content: center; }
    .success-meta { flex-direction: column; gap: .6rem; }
}

@media (max-width: 480px) {
    /* Brand */
    .brand-text small { font-size: .55rem; letter-spacing: .14em; }
    .brand-mark { width: 36px; height: 36px; font-size: .9rem; }
    .brand-text strong { font-size: 1rem; }

    /* Even tighter hero on phones */
    .hero { padding: 1.5rem 0 2rem; }
    .hero-badge { font-size: .58rem; margin-bottom: 1rem; }
    .hero-headline { font-size: 1.78rem !important; line-height: 1.15 !important; }
    .hero-sub { font-size: .88rem; margin-bottom: 1.2rem; }
    .hero-actions .btn { padding: .78rem 1rem; font-size: .88rem; }
    .hero .trust-pill { font-size: .68rem; padding: .45rem .6rem; }
    .hero .trust-pill i { font-size: .8rem; }

    .step-title { font-size: 1.25rem; }
    .container, .navbar > .container { padding-left: 1rem; padding-right: 1rem; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
    }
}

/* ==========================================================================
   FIXES & POLISH
   ========================================================================== */

/* Navbar toggler — make hamburger visible on light background */
.sterling-nav .navbar-toggler {
    border: 1px solid var(--border-medium);
    padding: .4rem .55rem;
    background: #fff;
    position: relative;
    width: 46px;
    height: 46px;
    transition: background .2s, border-color .2s;
}
.sterling-nav .navbar-toggler:focus { box-shadow: 0 0 0 3px rgba(254,215,0,.2); }
.sterling-nav .navbar-toggler-icon {
    background-image: url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%23112152' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2.2' d='M4 8h22M4 15h22M4 22h22'/%3E%3C/svg%3E");
    width: 1.3em; height: 1.3em;
    transition: opacity .2s;
}

/* When menu is open: swap hamburger for X */
.sterling-nav .navbar-toggler[aria-expanded="true"] {
    background: var(--navy-700);
    border-color: var(--navy-700);
}
.sterling-nav .navbar-toggler[aria-expanded="true"] .navbar-toggler-icon {
    background-image: url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%23FED700' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2.4' d='M7 7l16 16M23 7L7 23'/%3E%3C/svg%3E");
}

/* Bootstrap Icons fallback — if F26B doesn't render, replace with a unicode check
   The font is loaded; F26B = "check2" in bootstrap-icons v1.11+.
   Keeping as-is; just providing a fallback ::after that doesn't break if font fails */

/* Ensure form-card content stays above the section dot pattern */
.review-section .container { position: relative; z-index: 1; }

/* Ensure hero content stays above orbs & grid */
.hero > .container { position: relative; z-index: 2; }
.hero-grid, .hero-orb { z-index: 0; }

body { position: relative; }

/* Container — keep Bootstrap default but cap max width nicer on huge screens */
@media (min-width: 1400px) {
    .container { max-width: 1240px; }
}

/* Make sure the option/loss/doc card checkmark uses a proper bootstrap-icons glyph
   F26B is correct in bi v1.11; but if the icon font is blocked we want a graceful fallback */
.option-card input:checked + .option-inner::after,
.loss-card input:checked + .loss-inner::after,
.doc-card input:checked + .doc-inner::after {
    font-family: 'bootstrap-icons' !important;
}

/* Fix: btn-gold span inside has no inherited icon spacing */
.btn-gold i, .btn-outline i, .btn-ghost-light i { margin-right: .35rem; }
.btn-gold i:last-child, .btn-outline i:last-child { margin-right: 0; margin-left: .35rem; }

/* Fix: the hero-card on mobile shouldn't tilt — disable on touch / small screens */
@media (max-width: 991px), (hover: none) {
    .hero-card { transform: none !important; }
}

/* Trust pills should wrap better on narrow screens */
.hero-trust { row-gap: .5rem; }

/* Spinner icon used during submit — make sure it spins */
.spin-icon { display: inline-block; animation: spinAnim .9s linear infinite; }

/* Disclaimer bar alignment */
.disclaimer-bar .container { display: block; }

/* Process-section grid: equal-height rows */
.process-grid { align-items: stretch; }

/* Footer brand for footer scope */
.sterling-footer .footer-brand .brand-mark { width: 42px; height: 42px; }

/* Image alts — keep clean focus rings for accessibility */
:focus-visible {
    outline: 2px solid var(--gold-500);
    outline-offset: 2px;
    border-radius: 4px;
}

/* Remove default outline only when focus-visible is supported */
:focus:not(:focus-visible) { outline: none; }

/* ==========================================================================
   TESTIMONIALS SLIDER
   ========================================================================== */
.testimonials-slider {
    overflow: hidden;
    margin: 0 -.5rem;
    padding: .25rem .5rem 1.5rem;
}

.testimonials-track {
    display: flex;
    gap: 1.25rem;
    transition: transform .55s var(--ease-out);
    will-change: transform;
}

.t-slide {
    flex: 0 0 calc((100% - 2.5rem) / 3);
    min-width: 0;
}

/* Slider arrows */
.slider-controls {
    display: inline-flex;
    gap: .55rem;
}
.slider-arrow {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: #fff;
    border: 1.5px solid var(--border-medium);
    color: var(--navy-700);
    font-size: 1.1rem;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: all .25s var(--ease-out);
    box-shadow: var(--shadow-xs);
}
.slider-arrow:hover {
    background: var(--navy-700);
    color: #fff;
    border-color: var(--navy-700);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.slider-arrow:active {
    transform: translateY(0);
}
.slider-arrow:disabled {
    opacity: .35;
    cursor: not-allowed;
    transform: none;
    background: var(--bg-section-alt);
    color: var(--text-mute);
    border-color: var(--border-light);
}

/* Dots */
.slider-dots {
    display: flex;
    justify-content: center;
    gap: .45rem;
    margin-top: .5rem;
}
.slider-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--border-medium);
    border: none;
    cursor: pointer;
    padding: 0;
    transition: all .3s var(--ease-out);
}
.slider-dot.active {
    background: var(--navy-700);
    width: 28px;
    border-radius: 4px;
}

/* Mobile: 1 card per view */
@media (max-width: 991px) {
    .t-slide { flex: 0 0 calc((100% - 1.25rem) / 2); }
}
@media (max-width: 640px) {
    .t-slide { flex: 0 0 100%; }
    .slider-controls { margin-top: 1rem; }
}

/* ==========================================================================
   PRESS / MEDIA SECTION
   ========================================================================== */
.press-section {
    padding: 5rem 0;
    background: var(--bg-section);
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
    position: relative;
}

.press-header {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    margin-bottom: 3rem;
}
.press-line {
    flex: 1;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-medium), transparent);
}
.press-label {
    color: var(--text-mute);
    font-size: .82rem;
    text-transform: uppercase;
    letter-spacing: .25em;
    font-weight: 600;
    white-space: nowrap;
}

.press-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-bottom: 3.5rem;
}

.press-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    height: 70px;
    padding: 1rem 1.25rem;
    background: var(--bg-section);
    border: 1px solid var(--border-light);
    border-radius: 10px;
    transition: all .3s var(--ease-out);
    filter: grayscale(100%);
    opacity: .65;
}
.press-logo:hover {
    filter: grayscale(0);
    opacity: 1;
    border-color: var(--border-gold);
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    background: #fff;
}

.press-name {
    font-family: var(--font-display);
    color: var(--text-heading);
    font-size: 1.1rem;
    font-weight: 700;
    letter-spacing: -.02em;
    text-align: center;
    white-space: nowrap;
}

/* Distinctive press-logo styles per outlet */
.press-ft {
    font-family: var(--font-display);
    font-weight: 700;
    color: #fff1e5;
    background: #fff1e5;
    padding: .3rem .65rem;
    color: #000;
    font-size: .95rem;
    border-radius: 2px;
}
.press-ft em {
    font-style: normal;
    font-weight: 700;
    margin-left: 4px;
}

.press-reuters {
    color: #ff8000;
    font-family: 'Inter Tight', sans-serif;
    font-weight: 800;
    font-size: 1.05rem;
    letter-spacing: .02em;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}
.reuters-dot {
    width: 8px;
    height: 8px;
    background: #ff8000;
    border-radius: 50%;
    display: inline-block;
}

.press-bloomberg {
    font-family: var(--font-body);
    color: #000;
    font-weight: 700;
    font-size: 1.1rem;
    letter-spacing: -.03em;
}

.press-economist {
    color: #fff;
    background: #e3120b;
    padding: .35rem .7rem;
    font-family: var(--font-display);
    font-weight: 600;
    font-style: italic;
    font-size: .95rem;
    border-radius: 1px;
}

.press-wsj {
    font-family: var(--font-display);
    color: #000;
    font-weight: 600;
    font-size: .85rem;
    letter-spacing: -.01em;
    text-align: center;
    line-height: 1.05;
    display: inline-block;
}
.press-wsj em {
    display: block;
    font-style: italic;
    font-weight: 700;
    font-size: 1rem;
    margin-top: 1px;
}

.press-guardian {
    color: #fff;
    background: #052962;
    padding: .35rem .8rem;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1rem;
    letter-spacing: -.01em;
    border-radius: 2px;
}

.press-forbes {
    font-family: var(--font-display);
    color: #000;
    font-weight: 700;
    font-size: 1.4rem;
    letter-spacing: -.04em;
    font-style: italic;
}

.press-bbc {
    display: inline-flex;
    gap: 3px;
}
.bbc-box {
    background: #000;
    color: #fff;
    font-family: var(--font-body);
    font-weight: 800;
    font-size: .95rem;
    width: 22px;
    height: 22px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 1px;
}

/* Quotes from press */
.press-quotes {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
}
.press-quote {
    padding: 1.4rem 1.6rem;
    background: var(--bg-base);
    border-left: 3px solid var(--gold-500);
    border-radius: 8px;
    position: relative;
}
.press-quote i {
    color: var(--gold-500);
    font-size: 1.3rem;
    margin-bottom: .35rem;
    display: block;
}
.press-quote p {
    color: var(--text-body);
    font-family: var(--font-display);
    font-style: italic;
    font-weight: 400;
    font-size: 1.02rem;
    line-height: 1.55;
    margin: 0 0 .65rem;
}
.press-quote-source {
    color: var(--text-mute);
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    font-weight: 600;
}

@media (max-width: 991px) {
    .press-grid { grid-template-columns: repeat(3, 1fr); }
    .press-quotes { grid-template-columns: 1fr; }
}
@media (max-width: 580px) {
    .press-grid { grid-template-columns: repeat(2, 1fr); gap: .7rem; }
    .press-logo { height: 60px; padding: .75rem; }
    .press-header { gap: .75rem; margin-bottom: 2rem; }
    .press-label { font-size: .7rem; letter-spacing: .15em; }
}

/* Footer note (email-only contact policy) */
.footer-note {
    margin-top: .25rem !important;
    padding-top: .65rem;
    border-top: 1px solid rgba(255,255,255,.05);
    font-size: .82rem !important;
    font-style: italic;
    color: rgba(255,255,255,.35) !important;
    line-height: 1.55;
}
.footer-note i { color: var(--gold-500) !important; }

/* ==========================================================================
   LANGUAGE SWITCHER (top bar)
   ========================================================================== */
.top-bar-right {
    display: flex;
    align-items: center;
    gap: 1.2rem;
}
.top-mail {
    color: rgba(255,255,255,.6);
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    transition: color .2s;
}
.top-mail:hover { color: var(--gold-300); }
.top-mail i { color: var(--gold-400); }

.lang-switch {
    display: inline-flex;
    align-items: center;
    gap: .2rem;
    padding: .15rem;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 100px;
}
.lang-pill {
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    padding: .2rem .65rem;
    border-radius: 100px;
    color: rgba(255,255,255,.55);
    font-size: .72rem;
    font-weight: 600;
    letter-spacing: .04em;
    transition: all .2s ease;
    line-height: 1;
}
.lang-pill:hover {
    color: #fff;
    background: rgba(255,255,255,.05);
}
.lang-pill.active {
    background: var(--gold-500);
    color: var(--navy-900);
}
.lang-pill.active:hover { color: var(--navy-900); }
.lang-flag { font-size: .95rem; line-height: 1; }
.lang-code { font-family: var(--font-body); }

@media (max-width: 480px) {
    .lang-code { display: none; }
    .lang-pill { padding: .25rem .55rem; }
}

/* Localized "Priority" pill text on loss cards (matches <html lang>) */
html[lang="fr"] .loss-card.recommended .loss-inner::before { content: 'Prioritaire'; }
html[lang="es"] .loss-card.recommended .loss-inner::before { content: 'Prioridad'; }

/* ==========================================================================
   COOKIE CONSENT BANNER — minimal, elegant, dismissible
   ========================================================================== */
.cookie-bar {
    position: fixed;
    bottom: 1.25rem;
    left: 1.25rem;
    right: 1.25rem;
    max-width: 540px;
    margin: 0 auto;
    background: var(--navy-700);
    color: #fff;
    border: 1px solid rgba(254,215,0,0.25);
    border-radius: 14px;
    padding: 1.1rem 1.25rem;
    z-index: 9999;
    box-shadow: 0 18px 50px rgba(6,12,36,0.4), 0 4px 12px rgba(6,12,36,0.2);
    display: none;
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    animation: cookieSlideUp .55s var(--ease-spring, cubic-bezier(0.34, 1.56, 0.64, 1)) both;
}
.cookie-bar.show { display: block; }

.cookie-bar-inner {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex-wrap: wrap;
}
.cookie-bar-icon {
    flex-shrink: 0;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: rgba(254,215,0,0.12);
    color: var(--gold-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
}
.cookie-bar-text {
    flex: 1;
    min-width: 0;
    font-size: .85rem;
    line-height: 1.5;
    color: rgba(255,255,255,0.85);
}
.cookie-bar-text strong {
    display: block;
    color: #fff;
    font-weight: 600;
    font-size: .9rem;
    margin-bottom: .1rem;
}
.cookie-bar-text a {
    color: var(--gold-500);
    text-decoration: underline;
    text-underline-offset: 2px;
}
.cookie-bar-text a:hover { color: var(--gold-400); }

.cookie-bar-actions {
    display: flex;
    gap: .55rem;
    flex-shrink: 0;
}
.cookie-bar .cookie-accept {
    background: var(--gold-500);
    color: var(--navy-700);
    border: none;
    padding: .55rem 1.15rem;
    border-radius: 7px;
    font-weight: 700;
    font-size: .83rem;
    cursor: pointer;
    transition: all .2s;
    font-family: inherit;
}
.cookie-bar .cookie-accept:hover {
    background: var(--gold-400);
    transform: translateY(-1px);
}
.cookie-bar .cookie-decline {
    background: transparent;
    color: rgba(255,255,255,0.7);
    border: 1px solid rgba(255,255,255,0.2);
    padding: .55rem 1rem;
    border-radius: 7px;
    font-weight: 500;
    font-size: .83rem;
    cursor: pointer;
    transition: all .2s;
    font-family: inherit;
}
.cookie-bar .cookie-decline:hover {
    border-color: rgba(255,255,255,0.4);
    color: #fff;
}

@keyframes cookieSlideUp {
    from { opacity: 0; transform: translateY(30px) scale(.96); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
}

@media (max-width: 540px) {
    .cookie-bar {
        left: .75rem;
        right: .75rem;
        bottom: .75rem;
        padding: .95rem 1rem;
        border-radius: 12px;
    }
    .cookie-bar-icon { width: 32px; height: 32px; font-size: 1rem; }
    .cookie-bar-text { font-size: .8rem; }
    .cookie-bar-actions {
        width: 100%;
        margin-top: .25rem;
    }
    .cookie-bar .cookie-accept, .cookie-bar .cookie-decline {
        flex: 1;
        text-align: center;
        padding: .6rem .85rem;
    }
}