/* ============================================================
   BillPayReview.com — Main Stylesheet
   Design: Authoritative Financial Editorial / Magazine
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;900&family=DM+Sans:wght@300;400;500;600&family=DM+Mono:wght@400;500&display=swap');

/* ── CSS Variables ── */
:root {
  --navy:      #0a1628;
  --navy-mid:  #112240;
  --navy-soft: #1a3257;
  --blue:      #1e5fa8;
  --blue-light:#2e7dcc;
  --gold:      #c8973a;
  --gold-light:#e8b855;
  --cream:     #faf8f4;
  --white:     #ffffff;
  --gray-50:   #f9fafb;
  --gray-100:  #f3f4f6;
  --gray-200:  #e5e7eb;
  --gray-400:  #9ca3af;
  --gray-600:  #4b5563;
  --gray-700:  #374151;
  --gray-800:  #1f2937;
  --green:     #16a34a;
  --red:       #dc2626;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;
  --font-mono:    'DM Mono', monospace;

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;

  --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md:  0 4px 16px rgba(0,0,0,.10), 0 2px 6px rgba(0,0,0,.06);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.13), 0 4px 12px rgba(0,0,0,.08);
  --shadow-xl:  0 24px 64px rgba(0,0,0,.16);

  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --max-w:      1200px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--cream);
  color: var(--gray-800);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ── Utility ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section-label {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 16px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-title span { color: var(--blue); }
.section-subtitle {
  font-size: 17px;
  color: var(--gray-600);
  max-width: 640px;
  line-height: 1.7;
}
.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }

/* ── Top Bar ── */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,.7);
  font-size: 12.5px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.top-bar a { color: var(--gold-light); }
.top-bar-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  background: rgba(200,151,58,.15);
  border: 1px solid rgba(200,151,58,.3);
  color: var(--gold-light);
  padding: 3px 10px;
  border-radius: 100px;
}

/* ── Header / Nav ── */
.site-header {
  background: var(--white);
  border-bottom: 2px solid var(--gray-100);
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--max-w);
  margin: 0 auto;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.logo-icon svg { width: 22px; height: 22px; }
.logo-text {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.1;
}
.logo-text span { color: var(--blue); }
.logo-sub {
  font-size: 10px;
  font-family: var(--font-mono);
  letter-spacing: .08em;
  color: var(--gray-400);
  text-transform: uppercase;
}
.site-nav { display: flex; align-items: center; gap: 28px; }
.site-nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-600);
  transition: color var(--transition);
}
.site-nav a:hover { color: var(--blue); }
.nav-cta {
  background: var(--blue);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: var(--radius-sm);
  font-weight: 600 !important;
  font-size: 13px !important;
  transition: background var(--transition), transform var(--transition) !important;
}
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); }
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); margin: 5px 0;
  transition: var(--transition);
}

/* ── Hero ── */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 55%, var(--navy-soft) 100%);
  position: relative;
  overflow: hidden;
  padding: 80px 0 90px;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M0 60L60 0M-10 10L10 -10M50 70L70 50' stroke='rgba(255,255,255,0.03)' stroke-width='1'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  right: -120px; top: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(30,95,168,.35) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative; z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,151,58,.15);
  border: 1px solid rgba(200,151,58,.35);
  color: var(--gold-light);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .06em;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero-badge::before { content: '★'; font-size: 10px; }
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(30px, 4.5vw, 52px);
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 22px;
}
.hero h1 em {
  font-style: normal;
  color: var(--gold-light);
}
.hero-subtitle {
  font-size: 17px;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-cta-group { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 15px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(200,151,58,.4);
}
.btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent;
  color: var(--white);
  font-weight: 500;
  font-size: 15px;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  border: 2px solid rgba(255,255,255,.25);
  transition: var(--transition);
}
.btn-secondary:hover { border-color: rgba(255,255,255,.6); background: rgba(255,255,255,.06); }
.hero-stats {
  display: flex; gap: 32px; margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--gold-light);
}
.hero-stat-label {
  font-size: 12px;
  color: rgba(255,255,255,.55);
  letter-spacing: .04em;
}

/* ── Hero Card ── */
.hero-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.13);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(12px);
}
.hero-card-title {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.55);
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 18px;
  font-family: var(--font-mono);
}
.hero-card-item {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.hero-card-item:last-child { border-bottom: none; }
.hci-rank {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  color: var(--gold);
  width: 24px;
}
.hci-name {
  flex: 1;
  font-size: 14px;
  font-weight: 500;
  color: var(--white);
}
.hci-score {
  display: flex; align-items: center; gap: 6px;
}
.score-bar {
  width: 60px; height: 4px;
  background: rgba(255,255,255,.12);
  border-radius: 2px;
  overflow: hidden;
}
.score-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
}
.score-val {
  font-size: 12px;
  font-weight: 600;
  color: var(--gold-light);
  font-family: var(--font-mono);
}

/* ── Trust Bar ── */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 20px 0;
}
.trust-items {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gray-600);
}
.trust-item svg { color: var(--green); flex-shrink: 0; }

/* ── Affiliate Disclaimer ── */
.affiliate-notice {
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-left: 4px solid var(--gold);
  padding: 14px 20px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  color: #78350f;
  margin: 32px 0 0;
}
.affiliate-notice strong { font-weight: 600; }

/* ── Section Spacing ── */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-dark { background: var(--navy); }

/* ── Intro Content ── */
.intro-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 60px;
  align-items: start;
}
.intro-content h2 {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  margin-top: 36px;
}
.intro-content h2:first-child { margin-top: 0; }
.intro-content p {
  font-size: 16px;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 16px;
}
.intro-content p:last-child { margin-bottom: 0; }
.intro-sidebar {
  position: sticky;
  top: 90px;
}
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 20px;
}
.sidebar-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gray-100);
}
.sidebar-toc a {
  display: block;
  font-size: 13.5px;
  color: var(--gray-600);
  padding: 6px 0;
  border-bottom: 1px solid var(--gray-100);
  transition: color var(--transition), padding-left var(--transition);
}
.sidebar-toc a:last-child { border-bottom: none; }
.sidebar-toc a:hover { color: var(--blue); padding-left: 6px; }
.sidebar-toc a::before { content: '→ '; color: var(--gold); font-size: 11px; }
.quick-facts li {
  display: flex; justify-content: space-between;
  font-size: 13px;
  padding: 7px 0;
  border-bottom: 1px solid var(--gray-100);
}
.quick-facts li:last-child { border-bottom: none; }
.qf-key { color: var(--gray-500); }
.qf-val { font-weight: 600; color: var(--navy); }

/* ── Features Grid ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.feature-card:hover::before { transform: scaleX(1); }
.feature-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, #e8f0fe, #d1e3f8);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.feature-icon svg { width: 24px; height: 24px; color: var(--blue); }
.feature-card h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.feature-card p { font-size: 14px; color: var(--gray-600); line-height: 1.7; }

/* ── Service Cards (Top 10) ── */
#top10 { padding-top: 80px; padding-bottom: 80px; }
.services-list { margin-top: 48px; display: flex; flex-direction: column; gap: 28px; }
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: grid;
  grid-template-columns: 80px 1fr auto;
  align-items: stretch;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.service-card.featured {
  border-color: var(--gold);
  box-shadow: 0 0 0 1px var(--gold), var(--shadow-md);
}
.service-rank {
  background: var(--navy);
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  padding: 20px;
  gap: 4px;
}
.featured .service-rank { background: linear-gradient(160deg, var(--gold) 0%, var(--gold-light) 100%); }
.rank-num {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
}
.featured .rank-num { color: var(--navy); }
.rank-label {
  font-size: 9px;
  font-weight: 600;
  color: rgba(255,255,255,.5);
  text-transform: uppercase;
  letter-spacing: .08em;
}
.featured .rank-label { color: rgba(10,22,40,.6); }
.service-body { padding: 24px 28px; flex: 1; }
.service-header { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 14px; }
.service-logo {
  width: 52px; height: 52px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
  background: var(--gray-50);
  overflow: hidden;
}
.service-meta { flex: 1; }
.service-name {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}
.service-tagline { font-size: 13px; color: var(--gray-500); }
.featured-badge {
  display: inline-flex; align-items: center; gap: 5px;
  background: #fef3c7; color: #92400e;
  font-size: 11px; font-weight: 700;
  padding: 3px 10px; border-radius: 100px;
  border: 1px solid #fde68a;
  white-space: nowrap;
  margin-left: auto;
}
.service-rating {
  display: flex; align-items: center; gap: 6px;
  margin-bottom: 12px;
}
.stars { color: var(--gold); font-size: 14px; letter-spacing: 2px; }
.rating-num {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-700);
}
.rating-count { font-size: 12px; color: var(--gray-400); }
.service-description {
  font-size: 14.5px;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 16px;
}
.service-features {
  display: flex; flex-wrap: wrap; gap: 8px;
}
.feature-pill {
  display: inline-flex; align-items: center; gap: 5px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  color: var(--gray-600);
  font-size: 12px; font-weight: 500;
  padding: 4px 11px; border-radius: 100px;
}
.feature-pill svg { width: 12px; height: 12px; color: var(--green); }
.service-cta {
  padding: 24px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-left: 1px solid var(--gray-100);
  min-width: 190px;
  background: var(--gray-50);
}
.featured .service-cta { background: #fffbeb; border-left-color: #fde68a; }
.btn-visit {
  display: inline-block;
  background: var(--blue);
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  text-align: center;
  width: 100%;
  border: 2px solid transparent;
}
.btn-visit:hover { background: var(--navy); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(10,22,40,.25); }
.featured .btn-visit { background: var(--gold); color: var(--navy); }
.featured .btn-visit:hover { background: var(--gold-light); }
.visit-note { font-size: 11px; color: var(--gray-400); text-align: center; }
.service-score {
  display: flex; flex-direction: column; align-items: center;
  gap: 2px;
}
.score-circle {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--navy));
  display: flex; align-items: center; justify-content: center;
  flex-direction: column;
}
.featured .score-circle { background: linear-gradient(135deg, var(--gold), var(--gold-light)); }
.score-big {
  font-family: var(--font-mono);
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.featured .score-big { color: var(--navy); }
.score-label { font-size: 10px; color: var(--gray-400); }

/* ── Comparison Table ── */
.comparison-section { padding: 80px 0; background: var(--gray-50); }
.table-wrap { overflow-x: auto; margin-top: 40px; border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
table {
  width: 100%; border-collapse: collapse;
  background: var(--white);
  font-size: 14px;
}
thead tr { background: var(--navy); }
thead th {
  padding: 16px 20px;
  text-align: left;
  color: rgba(255,255,255,.85);
  font-weight: 600;
  font-size: 13px;
  white-space: nowrap;
}
thead th:first-child { color: var(--gold-light); }
tbody tr { border-bottom: 1px solid var(--gray-100); transition: background var(--transition); }
tbody tr:hover { background: #f0f7ff; }
tbody tr:last-child { border-bottom: none; }
tbody td { padding: 14px 20px; color: var(--gray-700); vertical-align: middle; }
tbody td:first-child { font-weight: 600; color: var(--navy); }
.check { color: var(--green); font-size: 16px; }
.cross { color: var(--gray-300); font-size: 16px; }
.badge-best {
  display: inline-block;
  background: #dcfce7; color: #166534;
  font-size: 10px; font-weight: 700;
  padding: 2px 8px; border-radius: 100px;
  margin-left: 6px;
}
.badge-free {
  display: inline-block;
  background: #dbeafe; color: #1d4ed8;
  font-size: 10px; font-weight: 700;
  padding: 2px 8px; border-radius: 100px;
}
.table-cta { font-size: 12px; color: var(--blue); font-weight: 500; white-space: nowrap; }

/* ── Trust / Content Block ── */
.trust-content { padding: 80px 0; }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 48px;
}
.trust-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 30px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.trust-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
}
.trust-icon svg { width: 28px; height: 28px; color: var(--white); }
.trust-card h3 {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.trust-card p { font-size: 14px; color: var(--gray-600); line-height: 1.7; }

/* ── How It Works ── */
.how-it-works { background: var(--navy); padding: 80px 0; }
.how-it-works .section-title { color: var(--white); }
.how-it-works .section-title span { color: var(--gold-light); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 32px; left: 72px; right: 72px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, rgba(200,151,58,.2) 100%);
  pointer-events: none;
}
.step-card {
  text-align: center;
  position: relative;
}
.step-num {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: rgba(255,255,255,.06);
  border: 2px solid rgba(200,151,58,.4);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--gold-light);
  position: relative; z-index: 1;
}
.step-card h3 {
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
}
.step-card p { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.6; }

/* ── FAQ ── */
.faq-section { padding: 80px 0; }
.faq-list { margin-top: 40px; max-width: 800px; margin-left: auto; margin-right: auto; }
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--white);
}
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  transition: background var(--transition);
  user-select: none;
}
.faq-q:hover { background: var(--gray-50); }
.faq-toggle { font-size: 22px; line-height: 1; color: var(--blue); transition: transform var(--transition); }
.faq-item.open .faq-toggle { transform: rotate(45deg); }
.faq-a {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-a { max-height: 300px; padding: 0 24px 20px; }
.faq-a p { font-size: 14.5px; color: var(--gray-600); line-height: 1.75; }

/* ── CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, var(--blue) 0%, var(--navy) 100%);
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='40' cy='40' r='1.5' fill='rgba(255,255,255,.06)'/%3E%3C/svg%3E");
  pointer-events: none;
}
.cta-banner h2 {
  font-family: var(--font-display);
  font-size: clamp(26px, 4vw, 42px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}
.cta-banner p {
  font-size: 17px;
  color: rgba(255,255,255,.75);
  margin-bottom: 36px;
  position: relative;
}
.cta-banner .btn-primary { font-size: 16px; padding: 16px 36px; position: relative; }

/* ── Footer ── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.6);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 280px repeat(3, 1fr);
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand .logo-text { color: var(--white); margin-bottom: 14px; display: block; }
.footer-brand p { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,.45); }
.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 16px;
  font-family: var(--font-mono);
}
.footer-col a {
  display: block;
  font-size: 13px;
  color: rgba(255,255,255,.45);
  padding: 5px 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-legal { font-size: 12px; line-height: 1.6; color: rgba(255,255,255,.3); max-width: 680px; }
.footer-legal a { color: rgba(255,255,255,.45); text-decoration: underline; }
.footer-copy { font-size: 12px; color: rgba(255,255,255,.3); white-space: nowrap; }

/* ── Breadcrumb ── */
.breadcrumb {
  font-size: 12.5px;
  color: rgba(255,255,255,.4);
  margin-bottom: 20px;
  display: flex; gap: 8px; align-items: center;
}
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb span { color: rgba(255,255,255,.25); }

/* ── Scroll to Top ── */
.scroll-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--blue);
  color: var(--white);
  border: none; cursor: pointer;
  border-radius: var(--radius-sm);
  display: none;
  align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  z-index: 999;
  transition: var(--transition);
  font-size: 18px;
}
.scroll-top.visible { display: flex; }
.scroll-top:hover { background: var(--navy); transform: translateY(-2px); }

/* ── Mobile Nav ── */
@media (max-width: 768px) {
  .site-nav { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); padding: 20px 24px; border-top: 1px solid var(--gray-200); box-shadow: var(--shadow-md); gap: 16px; z-index: 800; }
  .site-nav.open { display: flex; }
  .nav-cta { text-align: center; }
  .hamburger { display: block; }
  .header-inner { position: relative; flex-wrap: wrap; }
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { display: none; }
  .intro-grid { grid-template-columns: 1fr; }
  .intro-sidebar { position: static; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .service-card { grid-template-columns: 60px 1fr; }
  .service-cta { grid-column: 1 / -1; border-left: none; border-top: 1px solid var(--gray-100); flex-direction: row; justify-content: space-between; }
  .features-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .footer-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .top-bar-inner { flex-direction: column; gap: 6px; text-align: center; }
}
@media (max-width: 560px) {
  .hero { padding: 48px 0 60px; }
  .section { padding: 56px 0; }
  .service-card { grid-template-columns: 1fr; }
  .service-rank { flex-direction: row; padding: 12px 20px; gap: 8px; }
  .service-cta { border-top: 1px solid var(--gray-100); }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}

/* ── Animations ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp .6s ease both; }
.fade-up-1 { animation-delay: .1s; }
.fade-up-2 { animation-delay: .2s; }
.fade-up-3 { animation-delay: .3s; }
.fade-up-4 { animation-delay: .4s; }

/* ── Legal Pages ── */
.legal-hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 60px 0 50px;
}
.legal-hero h1 {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.legal-hero p { color: rgba(255,255,255,.6); font-size: 14px; }
.legal-body { padding: 60px 0; max-width: 820px; }
.legal-body h2 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin: 36px 0 12px;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body p, .legal-body li {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 12px;
}
.legal-body ul { padding-left: 20px; list-style: disc; }
.legal-body a { color: var(--blue); text-decoration: underline; }