/* ============================================
   SwiftClose Homes — Nationwide Cash Buyers
   styles.css v2.0
   ============================================ */

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

:root {
  --navy:       #0F1F3D;
  --navy-light: #1A3260;
  --navy-mid:   #162C52;
  --navy-dark:  #09152A;
  --gold:       #F59E0B;
  --gold-dark:  #D97706;
  --gold-light: #FCD34D;
  --white:      #FFFFFF;
  --off-white:  #F8F9FB;
  --gray-50:    #F9FAFB;
  --gray-100:   #F1F3F7;
  --gray-200:   #E2E6EE;
  --gray-400:   #9CA3AF;
  --gray-600:   #4B5563;
  --gray-700:   #374151;
  --gray-800:   #1F2937;
  --green:      #16A34A;
  --red:        #DC2626;
  --font-main:  'Georgia', 'Times New Roman', serif;
  --font-sans:  'Helvetica Neue', 'Arial', sans-serif;
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.10);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.12);
  --shadow-lg:  0 8px 36px rgba(0,0,0,0.16);
  --shadow-xl:  0 16px 56px rgba(0,0,0,0.20);
  --radius:     8px;
  --radius-lg:  14px;
  --radius-xl:  20px;
  --transition: 0.22s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

/* ---- Typography ---- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-main);
  line-height: 1.22;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 4.8vw, 3.4rem); }
h2 { font-size: clamp(1.55rem, 3.3vw, 2.4rem); }
h3 { font-size: clamp(1.1rem, 2.2vw, 1.45rem); }
h4 { font-size: 1.05rem; }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* ---- Layout Helpers ---- */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}
.container-sm { max-width: 760px; margin: 0 auto; padding: 0 24px; }
.section      { padding: 80px 0; }
.section-lg   { padding: 100px 0; }
.section-sm   { padding: 52px 0; }
.section-alt  { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h2, .section-dark h3, .section-dark h4 { color: var(--white); }
.text-center  { text-align: center; }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 28px; }
.mt-4 { margin-top: 44px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 28px; }
.flex { display: flex; }
.gap-2 { gap: 16px; }
.items-center { align-items: center; }

/* ---- Section Headers ---- */
.section-header { margin-bottom: 52px; }
.section-header h2 { margin-bottom: 14px; }
.section-header p {
  font-size: 1.1rem;
  color: var(--gray-600);
  max-width: 640px;
  margin: 0 auto;
}
.section-label {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 100px;
  margin-bottom: 14px;
}

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 14px 30px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.98rem;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  text-align: center;
  font-family: var(--font-sans);
}
.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-gold:hover {
  background: var(--gold-dark);
  color: var(--navy-dark);
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(245,158,11,0.4);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-light);
  color: var(--white);
  text-decoration: none;
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  border: 2px solid var(--white);
  color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
  text-decoration: none;
}
.btn-lg { padding: 17px 38px; font-size: 1.06rem; }
.btn-xl { padding: 20px 48px; font-size: 1.12rem; }
.btn-full { width: 100%; display: block; }

@keyframes pulse-glow {
  0%, 100% { box-shadow: 0 0 0 0 rgba(245,158,11,0.5); }
  50%       { box-shadow: 0 0 0 10px rgba(245,158,11,0); }
}
.btn-pulse { animation: pulse-glow 2.4s infinite; }

/* ======== NAV ======== */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  box-shadow: 0 2px 16px rgba(0,0,0,0.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none !important;
}
.logo-icon {
  font-size: 1.6rem;
  line-height: 1;
}
.logo-text { display: flex; flex-direction: column; gap: 0; }
.logo-text .brand {
  font-family: var(--font-main);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}
.logo-text .tagline-small {
  font-size: 0.67rem;
  color: var(--gold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 600;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-links a {
  color: rgba(255,255,255,0.82);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
  text-decoration: none;
}
.nav-links .nav-cta {
  background: var(--gold);
  color: var(--navy-dark) !important;
  font-weight: 700;
  padding: 9px 18px;
  border-radius: 6px;
  margin-left: 6px;
}
.nav-links .nav-cta:hover {
  background: var(--gold-dark);
}
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
  display: block;
}
.mobile-nav {
  display: none;
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 16px 24px 20px;
}
.mobile-nav.open { display: block; }
.mobile-nav ul { display: flex; flex-direction: column; gap: 4px; }
.mobile-nav a {
  display: block;
  color: rgba(255,255,255,0.85);
  padding: 10px 8px;
  font-size: 0.95rem;
  border-radius: 6px;
}
.mobile-nav a:hover { background: rgba(255,255,255,0.07); text-decoration: none; }

/* ======== HERO ======== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 55%, #1a3a6e 100%);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(245,158,11,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -60px;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(26,50,96,0.6) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 60px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,158,11,0.15);
  border: 1px solid rgba(245,158,11,0.35);
  color: var(--gold-light);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 22px;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 18px;
}
.hero h1 span { color: var(--gold); }
.hero-sub {
  color: rgba(255,255,255,0.82);
  font-size: 1.12rem;
  margin-bottom: 30px;
  line-height: 1.7;
}
.hero-sub strong { color: var(--gold-light); }
.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 32px;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: 100px;
}
.trust-badge-check {
  width: 18px; height: 18px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-dark);
  font-size: 0.65rem;
  font-weight: 800;
  flex-shrink: 0;
}

/* Hero Form */
.form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  box-shadow: var(--shadow-xl);
}
.form-card h3 {
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-subtext {
  color: var(--gray-600);
  font-size: 0.88rem;
  margin-bottom: 22px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 5px;
  letter-spacing: 0.01em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-family: var(--font-sans);
  color: var(--gray-800);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(15,31,61,0.08);
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7'%3E%3Cpath d='M0 0l6 7 6-7z' fill='%236b7280'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}
.form-privacy {
  font-size: 0.77rem;
  color: var(--gray-400);
  text-align: center;
  margin-top: 10px;
  margin-bottom: 0;
}

/* ======== STATS BAR ======== */
.stats-bar {
  background: var(--navy);
  padding: 0;
  border-bottom: 3px solid var(--gold);
}
.stats-bar-inner {
  display: flex;
  align-items: stretch;
  max-width: 1160px;
  margin: 0 auto;
}
.stat-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 24px 16px;
  border-right: 1px solid rgba(255,255,255,0.08);
  transition: background var(--transition);
}
.stat-item:last-child { border-right: none; }
.stat-item:hover { background: rgba(255,255,255,0.03); }
.stat-num {
  font-family: var(--font-main);
  font-size: 1.9rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 5px;
}
.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
  text-align: center;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

/* ======== STATE GRID ======== */
.states-section { padding: 80px 0; background: var(--off-white); }
.states-intro {
  text-align: center;
  margin-bottom: 48px;
}
.states-intro h2 { margin-bottom: 14px; }
.states-intro p {
  font-size: 1.1rem;
  color: var(--gray-600);
  max-width: 640px;
  margin: 0 auto;
}
.top-markets {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin: 28px 0;
}
.top-market-badge {
  background: var(--navy);
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 8px 18px;
  border-radius: 100px;
  letter-spacing: 0.03em;
}
.top-market-badge.featured {
  background: var(--gold);
  color: var(--navy-dark);
}
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 8px;
  margin-top: 36px;
}
.state-tile {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 12px 10px;
  text-align: center;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  transition: all var(--transition);
  cursor: default;
}
.state-tile:hover {
  border-color: var(--gold);
  background: rgba(245,158,11,0.06);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.state-tile.hot {
  background: rgba(15,31,61,0.05);
  border-color: var(--navy-light);
  color: var(--navy);
}

/* ======== HOW IT WORKS ======== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(16.66% + 10px);
  right: calc(16.66% + 10px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--navy-light) 100%);
  opacity: 0.25;
}
.step {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  position: relative;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}
.step:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.step-num {
  position: absolute;
  top: -18px;
  left: 50%;
  transform: translateX(-50%);
  width: 36px; height: 36px;
  background: var(--gold);
  color: var(--navy-dark);
  font-family: var(--font-main);
  font-weight: 700;
  font-size: 1rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(245,158,11,0.4);
}
.step-icon {
  font-size: 2.4rem;
  margin-bottom: 16px;
  margin-top: 6px;
}
.step h3 { margin-bottom: 10px; }
.step p { color: var(--gray-600); font-size: 0.95rem; }

/* ======== SITUATIONS ======== */
.situations-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.situation-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  text-align: center;
  transition: all var(--transition);
}
.situation-card:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(245,158,11,0.4);
  transform: translateY(-3px);
}
.situation-icon {
  font-size: 2rem;
  display: block;
  margin-bottom: 12px;
}
.situation-card h4 {
  color: var(--white);
  font-size: 0.98rem;
  margin-bottom: 8px;
  font-family: var(--font-sans);
  font-weight: 700;
}
.situation-card p {
  color: rgba(255,255,255,0.65);
  font-size: 0.84rem;
  margin-bottom: 0;
  line-height: 1.55;
}

/* ======== COMPARISON TABLE ======== */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.compare-table th {
  padding: 18px 22px;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 0.92rem;
  text-align: center;
}
.compare-table thead tr { background: var(--navy); }
.compare-table thead th:first-child {
  background: var(--navy-dark);
  color: transparent;
}
.th-us { color: var(--gold-light) !important; }
.th-them { color: rgba(255,255,255,0.55) !important; }
.compare-table td {
  padding: 15px 22px;
  font-size: 0.92rem;
  border-bottom: 1px solid var(--gray-100);
}
.compare-table td:first-child {
  font-weight: 600;
  color: var(--gray-700);
  background: var(--gray-50);
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:hover td { background: rgba(245,158,11,0.04); }
.col-us {
  text-align: center;
  background: rgba(245,158,11,0.06);
  color: var(--gray-800);
  font-weight: 600;
}
.col-them {
  text-align: center;
  color: var(--gray-600);
}
.check-yes { color: var(--green); font-weight: 700; }
.check-no  { color: var(--red); font-weight: 700; }

/* ======== TESTIMONIALS ======== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.testimonial {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.testimonial:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 2px;
  margin-bottom: 14px;
  display: block;
}
.testimonial-text {
  color: var(--gray-700);
  font-size: 0.95rem;
  line-height: 1.72;
  font-style: italic;
  flex: 1;
  margin-bottom: 20px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 13px;
}
.author-avatar {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--gold-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.author-info { display: flex; flex-direction: column; gap: 2px; }
.author-info .name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-info .location { font-size: 0.78rem; color: var(--gray-400); }

/* ======== FAQ ======== */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open {
  border-color: var(--navy);
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  padding: 18px 22px;
  font-family: var(--font-sans);
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--gold-dark); }
.faq-icon {
  font-size: 1.3rem;
  color: var(--gold);
  font-weight: 400;
  flex-shrink: 0;
  transition: transform 0.22s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  display: none;
  padding: 0 22px 20px;
}
.faq-item.open .faq-answer { display: block; }
.faq-answer p {
  font-size: 0.95rem;
  color: var(--gray-600);
  line-height: 1.72;
  margin-bottom: 0;
}

/* ======== FINAL CTA ======== */
.final-cta-grid {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 60px;
  align-items: center;
}
.cta-checklist {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 28px 0;
}
.cta-check-item {
  display: flex;
  align-items: center;
  gap: 13px;
}
.cta-check-circle {
  width: 30px; height: 30px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-dark);
  font-weight: 800;
  font-size: 0.75rem;
  flex-shrink: 0;
}
.cta-check-text {
  color: rgba(255,255,255,0.85);
  font-size: 0.97rem;
}
.cta-quote {
  padding: 18px 20px;
  background: rgba(255,255,255,0.06);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 28px;
}
.cta-quote p {
  color: rgba(255,255,255,0.72);
  font-size: 0.88rem;
  font-style: italic;
  margin: 0;
}

/* ======== FOOTER ======== */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.55);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 52px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo { margin-bottom: 18px; }
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 10px;
}
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col a {
  color: rgba(255,255,255,0.5);
  font-size: 0.88rem;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--gold-light); text-decoration: none; }

.footer-states {
  padding: 36px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-states h4 {
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 18px;
  text-align: center;
}
.footer-states-list {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  justify-content: center;
}
.footer-states-list a {
  color: rgba(255,255,255,0.42);
  font-size: 0.78rem;
  padding: 3px 8px;
  border-radius: 4px;
  transition: all var(--transition);
}
.footer-states-list a:hover { color: var(--gold-light); background: rgba(255,255,255,0.05); text-decoration: none; }
.footer-states-list span {
  color: rgba(255,255,255,0.15);
  font-size: 0.78rem;
}

.footer-disclaimer {
  padding: 22px 0;
  font-size: 0.77rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.65;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.3);
}

/* ======== BUYER PAGE ======== */
.buyer-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, #163060 55%, #1a3a72 100%);
  padding: 90px 0 80px;
  text-align: center;
}
.buyer-hero h1 { color: var(--white); margin-bottom: 16px; }
.buyer-hero p {
  color: rgba(255,255,255,0.78);
  font-size: 1.12rem;
  max-width: 580px;
  margin: 0 auto 32px;
}
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 52px;
}
.benefit-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.benefit-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.benefit-icon { font-size: 2.4rem; margin-bottom: 14px; }
.benefit-card h3 { margin-bottom: 10px; }
.benefit-card p { color: var(--gray-600); font-size: 0.92rem; }

/* ======== RESPONSIVE ======== */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .form-card { max-width: 560px; }
  .final-cta-grid { grid-template-columns: 1fr; gap: 44px; }
  .final-cta-grid .form-card { max-width: 560px; margin: 0 auto; }
  .situations-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .hero { padding: 64px 0 72px; }
  .steps { grid-template-columns: 1fr; gap: 40px; }
  .steps::before { display: none; }
  .situations-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stats-bar-inner { flex-wrap: wrap; }
  .stat-item { flex: 0 0 50%; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .stat-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.08); }
  .states-grid { grid-template-columns: repeat(auto-fill, minmax(110px, 1fr)); }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 6px; text-align: center; }
  .benefits-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .hero { padding: 52px 0 60px; }
  .situations-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { flex: 0 0 100%; border-right: none; }
}