/* ============================================================
   MI Real Estate Solutions — Full Redesign Stylesheet
   Navy #1B3A6B | Gold #C9A84C | White #FFF | Gray #F4F6F9
   ============================================================ */

:root {
  --navy:       #1B3A6B;
  --navy-dark:  #0f2347;
  --navy-light: #24508f;
  --gold:       #C9A84C;
  --gold-light: #dfc06b;
  --gold-dark:  #a88730;
  --white:      #ffffff;
  --gray-100:   #F4F6F9;
  --gray-200:   #E8EBF0;
  --gray-300:   #D1D6E0;
  --gray-500:   #8A95A8;
  --gray-700:   #4A5568;
  --text:       #2D3748;
  --shadow-sm:  0 2px 8px rgba(27,58,107,0.08);
  --shadow-md:  0 4px 20px rgba(27,58,107,0.14);
  --shadow-lg:  0 8px 48px rgba(27,58,107,0.18);
  --radius:     12px;
  --transition: 0.25s ease;
}

/* ── Reset & Base ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Open Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
h1,h2,h3,h4 {
  font-family: 'Montserrat', sans-serif;
  line-height: 1.2;
  color: var(--navy);
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ── Utility ──────────────────────────────────────────────── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

.section-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.section-header { text-align: center; max-width: 680px; margin: 0 auto 60px; }
.section-header.light .section-title   { color: var(--white); }
.section-header.light .section-subtitle { color: rgba(255,255,255,0.72); }
.section-title {
  font-size: clamp(1.7rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 16px;
}
.section-subtitle { font-size: 1.05rem; color: var(--gray-700); }

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  padding: 14px 28px;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
}
.btn-lg { font-size: 1.05rem; padding: 17px 36px; }

.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,168,76,0.38);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(27,58,107,0.35);
}

/* ============================================================
   NAVIGATION
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: background var(--transition), box-shadow var(--transition);
  background: transparent;
}
#navbar.scrolled {
  background: var(--navy-dark);
  box-shadow: 0 2px 24px rgba(0,0,0,0.22);
}
.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1140px;
  margin: 0 auto;
  padding: 18px 24px;
}
.nav-logo {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.08rem;
  color: var(--white);
}
.logo-mi { color: var(--gold); font-weight: 800; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.02em;
  transition: color var(--transition);
}
.nav-link:hover { color: var(--gold); }
.nav-cta-link {
  background: var(--gold);
  color: var(--navy-dark) !important;
  padding: 10px 20px;
  border-radius: 7px;
  font-weight: 700;
  transition: all var(--transition);
}
.nav-cta-link:hover { background: var(--gold-light); transform: translateY(-1px); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 26px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ============================================================
   HERO — Mobile-First
   ============================================================ */
#hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: linear-gradient(150deg, #091c3e 0%, #162d5c 40%, #1e3f80 70%, #0d2049 100%);
  overflow: hidden;
  padding: 0 24px;
}

/* Decorative rings */
#hero::before {
  content: '';
  position: absolute;
  right: -160px; top: 50%;
  transform: translateY(-50%);
  width: 700px; height: 700px;
  border: 100px solid rgba(201,168,76,0.05);
  border-radius: 50%;
  pointer-events: none;
}
#hero::after {
  content: '';
  position: absolute;
  left: -80px; bottom: -80px;
  width: 400px; height: 400px;
  border: 60px solid rgba(255,255,255,0.03);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 720px;
  padding: 120px 0 80px;
}
.hero-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero-headline {
  font-size: clamp(3rem, 8vw, 5.5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 18px;
}
.hero-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2.5vw, 1.55rem);
  font-weight: 500;
  color: var(--gold-light);
  margin-bottom: 22px;
}
.hero-text {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  max-width: 520px;
  margin: 0 auto 38px;
  line-height: 1.85;
}
.hero-btn { min-width: 280px; font-size: 1.1rem; padding: 20px 36px; }

.hero-badges {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 32px;
}
.badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
}
.badge i { color: var(--gold); }

.hero-scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  color: rgba(255,255,255,0.35);
  font-size: 1.3rem;
  animation: bounce 2.2s infinite;
  transition: color var(--transition);
}
.hero-scroll:hover { color: var(--gold); }

@keyframes bounce {
  0%,20%,50%,80%,100% { transform: translateX(-50%) translateY(0); }
  40% { transform: translateX(-50%) translateY(-8px); }
  60% { transform: translateX(-50%) translateY(-4px); }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--navy-dark);
  border-bottom: 2px solid rgba(201,168,76,0.2);
  padding: 20px 24px;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  max-width: 1000px;
  margin: 0 auto;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 28px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.82);
  letter-spacing: 0.02em;
}
.trust-item i { color: var(--gold); font-size: 1rem; }
.trust-divider {
  width: 1px;
  height: 28px;
  background: rgba(255,255,255,0.12);
  flex-shrink: 0;
}

/* ============================================================
   OPTIONS
   ============================================================ */
#options { padding: 100px 0; background: var(--white); }

.options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.option-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.option-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}
.option-card:hover {
  border-color: var(--gray-300);
  box-shadow: var(--shadow-md);
  transform: translateY(-5px);
}
.option-card:hover::after { transform: scaleX(1); }

.option-icon {
  width: 54px; height: 54px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.option-icon i { font-size: 1.35rem; color: var(--gold); }
.option-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; color: var(--navy); }
.option-card p  { font-size: 0.91rem; color: var(--gray-700); line-height: 1.78; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
#how-it-works {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  position: relative;
  overflow: hidden;
}
#how-it-works::before {
  content: '';
  position: absolute;
  right: -60px; bottom: -60px;
  width: 340px; height: 340px;
  border: 56px solid rgba(201,168,76,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.steps-row {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
}
.step {
  flex: 1;
  min-width: 200px;
  max-width: 280px;
  text-align: center;
  padding: 0 20px;
}
.step-number {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy-dark);
  font-family: 'Montserrat', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  box-shadow: 0 4px 18px rgba(201,168,76,0.32);
}
.step h3 { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.step p  { font-size: 0.88rem; color: rgba(255,255,255,0.68); line-height: 1.78; }
.step-arrow {
  display: flex;
  align-items: center;
  padding: 0 8px;
  padding-bottom: 56px;
  color: rgba(201,168,76,0.45);
  font-size: 1.3rem;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
#testimonials { padding: 100px 0; background: var(--gray-100); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  align-items: start;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--gray-200);
  transition: all var(--transition);
  position: relative;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: var(--gray-300);
}
.testimonial-card.featured {
  border-color: var(--gold);
  border-width: 2px;
  box-shadow: 0 4px 28px rgba(201,168,76,0.14);
}
.testimonial-card.featured:hover {
  box-shadow: 0 8px 40px rgba(201,168,76,0.22);
}

.quote-mark {
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 18px;
  opacity: 0.7;
}
.testimonial-text {
  font-size: 0.95rem;
  color: var(--gray-700);
  line-height: 1.82;
  font-style: italic;
  margin-bottom: 24px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.author-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.author-name     { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-location { font-size: 0.8rem; color: var(--gray-500); margin-top: 2px; }

.star-row {
  margin-left: auto;
  display: flex;
  gap: 3px;
  color: var(--gold);
  font-size: 0.85rem;
}

/* ============================================================
   ABOUT
   ============================================================ */
#about { padding: 100px 0; background: var(--white); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.about-content .section-eyebrow,
.about-content .section-title { text-align: left; }
.about-content p {
  color: var(--gray-700);
  margin-bottom: 18px;
  font-size: 0.97rem;
  line-height: 1.82;
}
.about-values {
  display: flex;
  gap: 24px;
  margin-top: 30px;
  flex-wrap: wrap;
}
.value-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.value-item i { color: var(--gold); }

.about-highlights { display: flex; flex-direction: column; gap: 18px; }
.highlight-card {
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 26px 24px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  border-left: 4px solid var(--gold);
  transition: box-shadow var(--transition);
}
.highlight-card:hover { box-shadow: var(--shadow-md); }
.highlight-card > i { font-size: 1.4rem; color: var(--navy); min-width: 26px; margin-top: 3px; }
.highlight-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 5px; color: var(--navy); }
.highlight-card p  { font-size: 0.87rem; color: var(--gray-700); line-height: 1.72; }

/* ============================================================
   FAQ
   ============================================================ */
#faq { padding: 100px 0; background: var(--gray-100); }

.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1.5px solid var(--gray-200);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.faq-item.open {
  border-color: var(--gold);
  box-shadow: 0 4px 20px rgba(201,168,76,0.12);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--navy);
  text-align: left;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--navy-light); }
.faq-icon {
  font-size: 0.8rem;
  color: var(--gold);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}
.faq-item.open .faq-icon { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s ease;
}
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer p {
  padding: 0 26px 24px;
  font-size: 0.93rem;
  color: var(--gray-700);
  line-height: 1.82;
}

/* ============================================================
   CONTACT / FORM
   ============================================================ */
#contact { padding: 100px 0; background: var(--white); }

.form-wrapper {
  max-width: 780px;
  margin: 0 auto;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: 16px;
  padding: 52px;
  box-shadow: var(--shadow-lg);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 7px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.required { color: var(--gold-dark); }

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  font-family: 'Open Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--gray-100);
  border: 2px solid var(--gray-200);
  border-radius: 8px;
  outline: none;
  transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
  appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%234A5568' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 44px;
  cursor: pointer;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.13);
}
.form-group input.input-error,
.form-group select.input-error { border-color: #e53e3e; background: #fff5f5; }
.form-group textarea { resize: vertical; min-height: 110px; }

.field-error {
  display: block;
  font-size: 0.78rem;
  color: #e53e3e;
  margin-top: 5px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
}
.honeypot { position: absolute; left: -9999px; opacity: 0; pointer-events: none; height: 0; width: 0; }

.form-group-checkbox { margin-bottom: 18px; }
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-weight: 400 !important;
  text-transform: none !important;
  letter-spacing: normal !important;
}
.checkbox-label input[type="checkbox"] {
  appearance: auto;
  -webkit-appearance: auto;
  width: 18px;
  height: 18px;
  padding: 0;
  border: none;
  border-radius: 0;
  background: none;
  flex-shrink: 0;
  margin-top: 3px;
  accent-color: var(--navy);
  cursor: pointer;
}
.checkbox-label span {
  font-size: 0.85rem;
  line-height: 1.55;
  color: var(--gray-700);
}
.checkbox-label span a { color: var(--navy-light); text-decoration: underline; }

.btn-submit { width: 100%; font-size: 1.05rem; padding: 18px; margin-top: 6px; }

.form-disclaimer {
  margin-top: 18px;
  font-size: 0.82rem;
  color: var(--gray-500);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  text-align: center;
}
.form-disclaimer i { color: var(--gold-dark); }

.form-success {
  text-align: center;
  padding: 52px 24px;
}
.success-icon { font-size: 3.5rem; color: #38a169; margin-bottom: 18px; }
.form-success h3 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 14px; }
.form-success p  { font-size: 1rem; color: var(--gray-700); max-width: 460px; margin: 0 auto 12px; line-height: 1.78; }
.form-success .success-sub { font-size: 0.88rem; color: var(--gray-500); }

.form-error-msg {
  background: #fff5f5;
  border: 1px solid #fed7d7;
  border-radius: 8px;
  padding: 16px 20px;
  color: #c53030;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 14px;
}
.form-error-msg i { font-size: 1.1rem; flex-shrink: 0; }

/* ============================================================
   FOOTER
   ============================================================ */
#footer {
  background: var(--navy-dark);
  padding: 64px 0 32px;
  color: rgba(255,255,255,0.7);
}
.footer-content {
  display: grid;
  grid-template-columns: 2fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-logo {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--white);
  margin-bottom: 6px;
}
.footer-tagline {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-desc { font-size: 0.87rem; color: rgba(255,255,255,0.58); line-height: 1.78; }

.footer-links h4, .footer-contact h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.73rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.88rem; color: rgba(255,255,255,0.62); transition: color var(--transition); }
.footer-links a:hover { color: var(--gold); }

.footer-contact p {
  font-size: 0.88rem;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 9px;
  color: rgba(255,255,255,0.62);
}
.footer-contact i { color: var(--gold); }
.footer-promise { font-style: italic; font-size: 0.85rem !important; color: rgba(255,255,255,0.42) !important; margin-top: 16px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  text-align: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.38);
}
.footer-legal-links { margin-top: 8px; }
.footer-legal-links a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
}
.footer-legal-links a:hover { color: var(--gold); text-decoration: underline; }

/* ============================================================
   STICKY MOBILE CTA
   ============================================================ */
.sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 999;
  padding: 12px 20px 20px;
  background: linear-gradient(to top, rgba(9,28,62,0.98) 0%, rgba(9,28,62,0.9) 70%, transparent 100%);
  display: none;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.sticky-cta.visible { transform: translateY(0); }

.sticky-cta-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 18px;
  background: var(--gold);
  color: var(--navy-dark);
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  border-radius: 10px;
  letter-spacing: 0.02em;
  box-shadow: 0 -4px 24px rgba(201,168,76,0.28);
  transition: background var(--transition);
}
.sticky-cta-btn:hover { background: var(--gold-light); }
.sticky-cta-btn i { font-size: 1rem; }

/* ============================================================
   SCROLL FADE-IN
   ============================================================ */
.fade-in {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 960px) {
  .options-grid       { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid  { grid-template-columns: 1fr; gap: 18px; }
  .about-grid         { grid-template-columns: 1fr; gap: 40px; }
  .footer-content     { grid-template-columns: 1fr 1fr; }
  .footer-brand       { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--navy-dark);
    padding: 20px 24px 28px;
    gap: 0;
    box-shadow: 0 8px 32px rgba(0,0,0,0.2);
  }
  .nav-links.open { display: flex; }
  .nav-link {
    padding: 13px 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    font-size: 0.96rem;
  }
  .nav-cta-link { margin-top: 12px; text-align: center; padding: 13px; border-bottom: none; }

  .hero-headline { font-size: clamp(2.6rem, 10vw, 3.8rem); }
  .hero-text     { font-size: 1rem; }
  .hero-btn      { width: 100%; min-width: unset; }
  .hero-badges   { gap: 16px; }

  .trust-bar-inner  { gap: 0; }
  .trust-item       { padding: 8px 16px; font-size: 0.78rem; }
  .trust-divider    { display: none; }

  .options-grid { grid-template-columns: 1fr; gap: 16px; }

  .steps-row    { flex-direction: column; align-items: center; }
  .step         { max-width: 100%; padding: 0; margin-bottom: 28px; }
  .step-arrow   { transform: rotate(90deg); padding: 0 0 24px; }

  .form-wrapper { padding: 32px 20px; }
  .form-row     { grid-template-columns: 1fr; gap: 0; }

  .footer-content { grid-template-columns: 1fr; gap: 32px; }

  /* Show sticky CTA on mobile */
  .sticky-cta { display: block; }
}

@media (max-width: 480px) {
  #options, #how-it-works, #testimonials, #about, #faq, #contact { padding: 72px 0; }
  .section-title { font-size: 1.65rem; }
  .hero-content  { padding: 100px 0 80px; }
}