/* ═══════════════════════════════════════════════════════════════
   DESIGN TOKENS
   ═══════════════════════════════════════════════════════════════ */
:root {
  --white: #ffffff;
  --off-white: #f8fafe;
  --light-blue: #d6eaf8;
  --blue: #3b82f6;
  --blue-hover: #2563eb;
  --blue-soft: #ebf3fe;
  --blue-dark: #1e40af;
  --black: #0f172a;
  --gray-700: #334155;
  --gray-500: #64748b;
  --gray-300: #cbd5e1;
  --gray-100: #f1f5f9;
  --green: #10b981;
  --green-soft: #d1fae5;
  --red-soft: #fef2f2;
  --red: #ef4444;
  --amber-soft: #fffbeb;
  --amber: #b45309;

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --section-y: 5rem;
  --container: 1080px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, .06);
  --shadow-md: 0 4px 16px rgba(15, 23, 42, .08);
  --shadow-lg: 0 8px 30px rgba(15, 23, 42, .10);
  --ease: cubic-bezier(.25, .46, .45, .94);
}

/* ═══════════════════════════════════════════════════════════════
   RESET & BASE
   ═══════════════════════════════════════════════════════════════ */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
}

body {
  font-family: var(--font);
  color: var(--black);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.accent {
  color: var(--blue);
}

/* ═══════════════════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font);
  font-weight: 600;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  background: var(--blue);
  color: var(--white);
  transition: background .25s var(--ease), transform .2s var(--ease), box-shadow .25s var(--ease);
  text-align: center;
  letter-spacing: -.01em;
}

.btn:hover {
  background: var(--blue-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(59, 130, 246, .35);
}

.btn:active {
  transform: translateY(0);
}

.btn--sm {
  padding: .5rem 1.25rem;
  font-size: .875rem;
}

.btn--lg {
  padding: .875rem 2.25rem;
  font-size: 1.05rem;
}

.btn--full {
  width: 100%;
}

.btn--outline {
  background: transparent;
  color: var(--gray-500);
  border: 1.5px solid var(--gray-300);
}

.btn--outline:hover {
  background: var(--gray-100);
  color: var(--black);
  box-shadow: none;
  transform: translateY(-1px);
}

/* ═══════════════════════════════════════════════════════════════
   NAV
   ═══════════════════════════════════════════════════════════════ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow .3s var(--ease);
}

.nav.scrolled {
  box-shadow: var(--shadow-sm);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-weight: 700;
  font-size: 1.15rem;
}

.nav__logo-icon {
  font-size: 1.35rem;
}

.nav__logo-text {
  letter-spacing: -.02em;
}

/* ═══════════════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════════════ */
.hero {
  padding: 10rem 0 6rem;
  text-align: center;
  background:
    radial-gradient(ellipse 80% 50% at 50% 0%, var(--blue-soft) 0%, transparent 60%),
    var(--white);
}

.hero__inner {
  max-width: 720px;
  margin: 0 auto;
}

.hero__greeting {
  font-size: clamp(4.5rem, 10vw, 7rem);
  margin-bottom: .25rem;
}

.hero__age {
  font-size: .95rem;
  color: var(--gray-500);
  max-width: 520px;
  margin: 0 auto 1.5rem;
  line-height: 1.6;
}

.hero__ca-badge {
  display: inline-block;
  font-size: .8rem;
  font-weight: 600;
  color: var(--blue-dark);
  background: var(--blue-soft);
  padding: .35rem 1rem;
  border-radius: 999px;
  margin-bottom: 1.5rem;
}

.hero__title {
  font-size: clamp(2.25rem, 5.5vw, 3.5rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.03em;
  margin-bottom: 1.25rem;
}

.hero__sub {
  font-size: 1.1rem;
  color: var(--gray-700);
  max-width: 540px;
  margin: 0 auto 2rem;
  line-height: 1.65;
}

/* ═══════════════════════════════════════════════════════════════
   SECTION SHARED
   ═══════════════════════════════════════════════════════════════ */
.section {
  padding: var(--section-y) 0;
}

.section--alt {
  background: var(--off-white);
}

.section__eyebrow {
  font-size: .8rem;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: .65rem;
  text-align: center;
}

.section__title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.025em;
  text-align: center;
  margin-bottom: .75rem;
}

.section__subtitle,
.section__promise {
  text-align: center;
  color: var(--gray-700);
  max-width: 580px;
  margin: 0 auto 3rem;
  font-size: 1.05rem;
}

.section__promise {
  font-size: .9rem;
  font-style: italic;
  color: var(--gray-500);
  margin-bottom: 2.5rem;
}

.section__sub {
  text-align: center;
  color: var(--gray-500);
  max-width: 560px;
  margin: -.25rem auto 2.5rem;
  font-size: .95rem;
  line-height: 1.65;
}

.container--centered {
  max-width: 720px;
  text-align: center;
}

.container--centered .ltv-why {
  text-align: center;
}

.container--centered .ltv-why li {
  text-align: center;
  padding-left: 0;
}

.container--centered .ltv-why li::before {
  display: none;
}

.container--centered .example-box {
  text-align: center;
  border-left: none;
  border-top: 4px solid var(--green);
}

.section__cta-row {
  text-align: center;
  margin-top: 3rem;
}

.section__question {
  font-size: 1.15rem;
  font-weight: 600;
  margin-bottom: 1rem;
  color: var(--gray-700);
}

/* ═══════════════════════════════════════════════════════════════
   WHO / WHAT IS NON-QM
   ═══════════════════════════════════════════════════════════════ */
.who-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1.5rem;
}

.who-grid .who-card:nth-child(1) {
  grid-column: 1 / 3;
}

.who-grid .who-card:nth-child(2) {
  grid-column: 3 / 5;
}

.who-grid .who-card:nth-child(3) {
  grid-column: 5 / 7;
}

.who-grid .who-card:nth-child(4) {
  grid-column: 2 / 4;
}

.who-grid .who-card:nth-child(5) {
  grid-column: 4 / 6;
}

.who-card {
  padding: 2rem 1.75rem;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  background: var(--white);
  transition: border-color .3s var(--ease), box-shadow .3s var(--ease), transform .3s var(--ease);
}

.who-card:hover {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-soft);
  transform: translateY(-2px);
}

.who-card__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--green);
  color: var(--white);
  font-weight: 700;
  font-size: .85rem;
  margin-bottom: .85rem;
}

.who-card__title {
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: .5rem;
}

.who-card p,
.who-card li {
  color: var(--gray-700);
  font-size: .92rem;
  line-height: 1.65;
}

.who-card__list {
  margin-top: .5rem;
  padding-left: 0;
}

.who-card__list li {
  position: relative;
  padding-left: 1.25rem;
  margin-bottom: .3rem;
}

.who-card__list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 700;
  font-size: .85rem;
}

/* ═══════════════════════════════════════════════════════════════
   PROS
   ═══════════════════════════════════════════════════════════════ */
.pros-grid {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 700px;
  margin: 0 auto;
}

.pros-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.5rem 2rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  transition: box-shadow .3s var(--ease), transform .3s var(--ease);
}

.pros-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.pros-item__check {
  font-size: 1.25rem;
  color: var(--green);
  flex-shrink: 0;
  margin-top: 2px;
}

.pros-item__title {
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: .25rem;
}

.pros-item p {
  color: var(--gray-700);
  font-size: .92rem;
  line-height: 1.6;
}

/* ═══════════════════════════════════════════════════════════════
   RATES
   ═══════════════════════════════════════════════════════════════ */
.rates-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}

.rates-card {
  padding: 2rem;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  background: var(--white);
  transition: box-shadow .3s var(--ease), transform .3s var(--ease);
}

.rates-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.rates-card__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--green-soft);
  color: var(--green);
  font-weight: 700;
  font-size: .8rem;
  margin-bottom: .75rem;
}

.rates-card__title {
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: .5rem;
  color: var(--blue-dark);
}

.rates-card p {
  color: var(--gray-700);
  font-size: .92rem;
  line-height: 1.65;
}

/* ═══════════════════════════════════════════════════════════════
   BREAK / TRANSITION
   ═══════════════════════════════════════════════════════════════ */
.section--break {
  padding: 4rem 0;
  background: var(--white);
}

.break__small {
  font-size: 1rem;
  color: var(--gray-500);
  margin-bottom: .5rem;
}

.break__big {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.025em;
}

/* ═══════════════════════════════════════════════════════════════
   FORMULA BOX (LTV / DTI)
   ═══════════════════════════════════════════════════════════════ */
.formula-box {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  padding: 2rem;
  background: var(--blue-soft);
  border-radius: var(--radius-lg);
  margin: 0 auto 2.5rem;
  max-width: 420px;
}

.formula-box__label {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--blue-dark);
}

.formula-box__eq {
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--gray-500);
}

.formula-box__frac {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .15rem;
  font-size: .95rem;
  font-weight: 600;
  color: var(--black);
}

.formula-box__line {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--blue);
  border-radius: 2px;
}

/* ═══════════════════════════════════════════════════════════════
   LTV / DTI CONTENT
   ═══════════════════════════════════════════════════════════════ */
.ltv-why {
  max-width: 600px;
  margin: 0 auto 2.5rem;
}

.example-box {
  max-width: 480px;
  margin: 0 auto 2rem;
  padding: 1.25rem 1.5rem;
  background: var(--green-soft);
  border-left: 4px solid var(--green);
  border-radius: var(--radius-sm);
  text-align: left;
}

.example-box h4 {
  font-size: .85rem;
  font-weight: 700;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .35rem;
}

.example-box p {
  font-size: .92rem;
  color: var(--gray-700);
  margin-bottom: .2rem;
  line-height: 1.6;
}

.example-box p:last-child {
  margin-bottom: 0;
}

.ltv-why h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: .65rem;
}

.ltv-why ul {
  padding-left: 0;
}

.ltv-why li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: .4rem;
  color: var(--gray-700);
  font-size: .95rem;
}

.ltv-why li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 700;
}

.compare-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  max-width: 700px;
  margin: 0 auto;
  justify-content: center;
}

.compare-card {
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  background: var(--white);
}

.compare-card__badge {
  font-weight: 700;
  font-size: .95rem;
  margin-bottom: .75rem;
  padding: .35rem .85rem;
  border-radius: 999px;
  display: inline-block;
}

.compare-card--high .compare-card__badge {
  background: var(--red-soft);
  color: var(--red);
}

.compare-card--low .compare-card__badge {
  background: #f0fdf4;
  color: var(--green);
}

.compare-card--frontend .compare-card__badge {
  background: var(--blue-soft);
  color: var(--blue-dark);
}

.compare-card--backend .compare-card__badge {
  background: var(--blue-soft);
  color: var(--blue-dark);
}

.compare-card p {
  color: var(--gray-700);
  font-size: .92rem;
  margin-bottom: .5rem;
}

.compare-card ul {
  padding-left: 0;
}

.compare-card li {
  position: relative;
  padding-left: 1.25rem;
  margin-bottom: .35rem;
  color: var(--gray-700);
  font-size: .92rem;
}

.compare-card li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 700;
}

.compare-card__note {
  margin-top: .75rem;
  font-size: .88rem;
  color: var(--black);
}

/* ═══════════════════════════════════════════════════════════════
   FORM — Qualifier + Lead Capture
   ═══════════════════════════════════════════════════════════════ */
.form-wrapper {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
  width: 100%;
  box-sizing: border-box;
}

.form-wrapper .lead-form__group {
  text-align: left;
}

.form-wrapper .lead-form__intro {
  text-align: center;
}

.form-wrapper--bottom {
  margin-top: 3rem;
}

.qualifier-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 2rem;
}

.qualifier-grid--3col {
  grid-template-columns: 1fr 1fr 1fr;
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
  margin: 0 auto 1.5rem;
  max-width: 100%;
}

.form-divider {
  height: 1px;
  background: var(--gray-100);
  margin: 2rem 0;
}

.form-section-title {
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 0;
  text-align: center;
}

.form-section-subtitle {
  text-align: center;
  font-size: 1.15rem;
  color: var(--gray-700);
  margin-bottom: 1.25rem;
  margin-top: 0;
  font-weight: 600;
}

.lead-form__name-intro {
  font-size: 1.75rem;
  font-weight: 800;
  margin-top: .25rem;
  margin-bottom: 0;
}

.form-privacy {
  text-align: center;
  font-size: .78rem;
  color: var(--gray-500);
  margin-top: .75rem;
}

/* Step 2 */
.step2-check {
  text-align: center;
  margin-bottom: 2rem;
}

.step2-check__icon {
  font-size: 2.5rem;
  margin-bottom: .75rem;
}

.step2-check h3 {
  font-size: 1.35rem;
  font-weight: 700;
  margin-bottom: .5rem;
}

.step2-check p {
  color: var(--gray-700);
}

.step2-buttons {
  display: flex;
  flex-direction: column;
  gap: .75rem;
}

/* Lead form inputs */
.lead-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.lead-form__group {
  display: flex;
  flex-direction: column;
  gap: .4rem;
  min-width: 0;
}

.lead-form__group label {
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-700);
}

.lead-form__group input,
.lead-form__group select {
  font-family: var(--font);
  font-size: 1rem;
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--black);
  outline: none;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
  -webkit-appearance: none;
  appearance: none;
}

.lead-form__group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748b' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

.lead-form__group input:focus,
.lead-form__group select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, .15);
}

.lead-form__group input::placeholder {
  color: var(--gray-500);
}

.lead-form__intro {
  text-align: center;
  padding: .25rem 0 0;
  color: var(--gray-700);
  font-size: 1.15rem;
  font-weight: 600;
}

.lead-form__intro p {
  margin-bottom: .2rem;
}

.lead-form__upload-note {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  padding: 1rem 1.25rem;
  background: var(--blue-soft);
  border-radius: var(--radius-sm);
  font-size: .88rem;
  color: var(--gray-700);
}

.lead-form__upload-note span {
  font-size: 1.25rem;
  flex-shrink: 0;
}

/* Success */
.lead-form__success {
  text-align: center;
  padding: 2rem 0;
}

.success-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green), #16a34a);
  color: var(--white);
  font-size: 1.75rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  animation: pop .4s var(--ease);
}

.bye-icon {
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
}

@keyframes pop {
  0% {
    transform: scale(0);
    opacity: 0;
  }

  70% {
    transform: scale(1.15);
  }

  100% {
    transform: scale(1);
    opacity: 1;
  }
}

.lead-form__success h3 {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: .5rem;
}

.lead-form__success p {
  color: var(--gray-700);
  font-size: .95rem;
  margin-bottom: .35rem;
}

.success-sub {
  font-size: .88rem;
  color: var(--gray-500);
  margin-top: .75rem;
}

/* LTV auto-calc section */
.calc-section {
  margin: 0 auto 1.5rem;
  padding: 1.5rem;
  background: var(--off-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  width: 100%;
  box-sizing: border-box;
}

.calc-section__title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1rem;
  text-align: center;
  color: var(--blue-dark);
}

.calc-ltv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}

.ltv-results {
  display: flex;
  justify-content: center;
  gap: 2rem;
}

.ltv-result {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .15rem;
}

.ltv-result__label {
  font-size: .72rem;
  font-weight: 700;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: .05em;
}

.ltv-result__value {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--blue);
}

/* Payment calculator */
.calc-box {
  max-width: 560px;
  margin: 0 auto;
  padding: 2rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.calc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.calc-field {
  display: flex;
  flex-direction: column;
  gap: .35rem;
}

.calc-field label {
  font-size: .78rem;
  font-weight: 600;
  color: var(--gray-700);
}

.calc-field input,
.calc-field select {
  font-family: var(--font);
  font-size: 1rem;
  padding: .65rem .85rem;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color .2s;
  background: var(--white);
  color: var(--black);
}

.calc-field input:focus,
.calc-field select:focus {
  border-color: var(--blue);
}

.calc-result {
  text-align: center;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray-100);
}

.calc-result__label {
  font-size: .78rem;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .25rem;
}

.calc-result__amount {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--blue);
  margin-bottom: .25rem;
}

.calc-result__sub {
  font-size: .75rem;
  color: var(--gray-500);
}

/* ═══════════════════════════════════════════════════════════════
   FEES
   ═══════════════════════════════════════════════════════════════ */
.fee-highlight {
  max-width: 600px;
  margin: 0 auto 2.5rem;
  padding: 2rem;
  background: var(--blue-soft);
  border-radius: var(--radius-lg);
  text-align: center;
}

.fee-highlight h4 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: .65rem;
  color: var(--blue-dark);
}

.fee-highlight p {
  color: var(--gray-700);
  font-size: .95rem;
  margin-bottom: .5rem;
}

.fee-highlight__note {
  font-size: .88rem;
  color: var(--gray-500);
  margin-top: .75rem;
}

.fees__subhead {
  text-align: center;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
}

.fees-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  max-width: 700px;
  margin: 0 auto 2rem;
}

.fee-item {
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  background: var(--white);
  transition: box-shadow .3s var(--ease);
}

.fee-item:hover {
  box-shadow: var(--shadow-sm);
}

.fee-item h5 {
  font-size: .92rem;
  font-weight: 700;
  margin-bottom: .35rem;
  color: var(--black);
}

.fee-item p {
  font-size: .85rem;
  color: var(--gray-500);
  line-height: 1.55;
}

/* Rates tip (reused) */
.rates-tip {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.5rem 2rem;
  background: var(--blue-soft);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius-sm);
}

.rates-tip__icon {
  font-size: 1.5rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.rates-tip p {
  color: var(--gray-700);
  font-size: .94rem;
  line-height: 1.65;
}

/* ═══════════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════════ */
.footer {
  padding: 3rem 0 2rem;
  border-top: 1px solid var(--gray-100);
}

.footer__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.25rem;
  text-align: center;
}

.footer__brand {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-weight: 700;
  font-size: 1.15rem;
}

.footer__contact {
  text-align: center;
}

.footer__contact h4 {
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: .35rem;
  color: var(--black);
}

.footer__contact p {
  font-size: .88rem;
  color: var(--gray-500);
  margin-bottom: .15rem;
}

.footer__contact a {
  color: var(--blue);
  text-decoration: none;
}

.footer__contact a:hover {
  text-decoration: underline;
}

.footer__legal {
  color: var(--gray-500);
  font-size: .85rem;
  max-width: 600px;
  line-height: 1.7;
}

.footer__legal p {
  margin-bottom: .35rem;
}

.footer__disclosure {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--gray-100);
}

.footer__disclosure p {
  font-size: .78rem;
  margin-bottom: .5rem;
}

.closing-diamond {
  text-align: center;
  padding: 2rem 0 1rem;
  margin-top: 1.5rem;
}

.closing-diamond__line {
  margin: 0;
  line-height: 1.4;
  color: var(--gray-600);
}

.closing-diamond__line--sm {
  font-size: .9rem;
  font-weight: 500;
  letter-spacing: .02em;
}

.closing-diamond__line--md {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gray-700);
}

.closing-diamond__line--lg {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--gray-800);
}

.closing-diamond__line--accent {
  font-size: 1.5rem;
  font-weight: 800;
  margin-top: .35rem;
  background: linear-gradient(135deg, var(--blue), #6366f1);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.closing-diamond__line--xl {
  font-size: 3rem;
}

.footer__closing {
  font-size: .9rem;
  color: var(--gray-700);
  margin-top: .75rem;
  line-height: 1.6;
}

.footer__copy {
  font-size: .78rem;
  color: var(--gray-500);
}

/* ═══════════════════════════════════════════════════════════════
   SCROLL REVEAL
   ═══════════════════════════════════════════════════════════════ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}

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

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  :root {
    --section-y: 3.5rem;
  }

  .hero {
    padding: 8rem 0 4rem;
  }

  .hero__title {
    font-size: 2.25rem;
  }

  .who-grid,
  .rates-grid,
  .compare-grid,
  .fees-grid {
    grid-template-columns: 1fr;
  }

  .who-grid .who-card,
  .rates-grid .rates-card {
    grid-column: auto !important;
  }

  .qualifier-grid,
  .contact-grid,
  .calc-grid,
  .calc-ltv-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .hero {
    padding: 7rem 0 3rem;
  }

  .hero__title {
    font-size: 1.85rem;
  }

  .hero__sub {
    font-size: .95rem;
  }

  .btn--lg {
    padding: .75rem 1.75rem;
    font-size: .95rem;
  }

  .who-card,
  .pros-item,
  .rates-card,
  .compare-card {
    padding: 1.5rem;
  }

  .rates-tip {
    flex-direction: column;
    gap: .5rem;
    padding: 1.25rem;
  }

  .formula-box {
    gap: .65rem;
    padding: 1.5rem;
  }
}