/* ========================================
   United Settlement Landing Page
   Matches the brand design at unitedsettlement.com
   ======================================== */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Mulish', 'Helvetica', 'Arial', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: #383838;
  background: #f2f5f7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }

.container {
  width: 100%;
  max-width: 900px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ---- Header (white, like their site) ---- */
.header {
  background: #ffffff;
  padding: 14px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo img {
  height: 30px;
  width: auto;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 18px;
  border: 2px solid #19a4ac;
  border-radius: 4px;
  color: #0b304a;
  font-weight: 700;
  font-size: 15px;
  transition: all 0.2s;
  line-height: 1.15;
}

.header-phone svg {
  color: #19a4ac;
  flex-shrink: 0;
}

/* Wraps the number + optional "Call anytime" subtitle as a two-line stack.
   When the subtitle is hidden (outside business hours) the stack collapses
   to just the single-line number — pill looks identical to before. */
.header-phone-stack {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.1;
}

.header-phone-number {
  font-weight: 700;
  font-size: 15px;
}

.header-phone-status {
  font-size: 10px;
  font-weight: 700;
  color: #19a4ac;
  letter-spacing: 0.3px;
  text-transform: uppercase;
  margin-top: 2px;
}

.header-phone-status[hidden] {
  display: none;
}

.header-phone:hover {
  background: #19a4ac;
  color: #ffffff;
}

.header-phone:hover svg,
.header-phone:hover .header-phone-status {
  color: #ffffff;
}

/* ---- Teal accent bar ---- */
.accent-bar {
  height: 4px;
  background: linear-gradient(90deg, #19a4ac, #0b304a);
}

/* ---- Main Content ---- */
.main-content {
  padding: 40px 0 30px;
}

/* ---- Main Card (large white card like their slider area) ---- */
.main-card {
  background: #ffffff;
  border-radius: 8px;
  padding: 50px 60px 40px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
  text-align: center;
  margin-bottom: 24px;
}

.main-card h1 {
  font-size: 42px;
  font-weight: 900;
  color: #0b304a;
  line-height: 1.2;
  margin-bottom: 24px;
}

.card-divider {
  height: 2px;
  background: linear-gradient(90deg, transparent, #19a4ac, transparent);
  margin: 0 auto 30px;
  max-width: 80%;
}

/* ---- Slider ---- */
.slider-label {
  font-size: 17px;
  color: #383838;
  margin-bottom: 12px;
}

.slider-amount {
  font-size: 56px;
  font-weight: 900;
  color: #0b304a;
  line-height: 1;
  margin-bottom: 24px;
}

.slider-wrapper {
  max-width: 600px;
  margin: 0 auto 8px;
  padding: 0 10px;
}

.debt-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 10px;
  border-radius: 5px;
  background: #e6e6e6;
  outline: none;
  cursor: pointer;
}

.debt-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #ef8441;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(239,132,65,0.4);
  transition: transform 0.15s;
}

.debt-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.debt-slider::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border: none;
  border-radius: 50%;
  background: #ef8441;
  cursor: pointer;
}

.debt-slider::-moz-range-track {
  height: 10px;
  border-radius: 5px;
  background: #e6e6e6;
}

.slider-range-labels {
  display: flex;
  justify-content: space-between;
  max-width: 620px;
  margin: 0 auto 30px;
  padding: 0 10px;
  font-size: 14px;
  font-weight: 700;
  color: #888;
}

/* ---- Savings Estimate ---- */
.savings-estimate {
  background: #f0fafa;
  border: 2px solid #19a4ac;
  border-radius: 8px;
  padding: 20px;
  margin-bottom: 28px;
  text-align: center;
}

.savings-text {
  font-size: 15px;
  color: #666;
  margin-bottom: 4px;
}

.savings-amount {
  font-size: 42px;
  font-weight: 900;
  color: #19a4ac;
  line-height: 1.1;
  margin-bottom: 4px;
}

.savings-sub {
  font-size: 14px;
  color: #666;
}

.savings-sub strong {
  color: #19a4ac;
  font-size: 16px;
}

.savings-disclaimer {
  font-size: 11.5px;
  color: #8a8a8a;
  font-style: italic;
  margin-top: 10px;
  line-height: 1.4;
}

/* ---- Buttons ---- */
.btn-primary {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 18px 24px;
  background: #ef8441;
  color: #ffffff;
  border: none;
  border-radius: 50px;
  font-family: inherit;
  font-size: 19px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  text-align: center;
  line-height: 1.2;
}

.btn-primary:hover {
  background: #e0732e;
  transform: translateY(-1px);
}

.btn-primary svg {
  flex-shrink: 0;
}

.secondary-ctas {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  margin-top: 20px;
  flex-wrap: wrap;
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  background: transparent;
  color: #0b304a;
  border: 2px solid #19a4ac;
  border-radius: 50px;
  font-family: inherit;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s;
}

.btn-secondary:hover {
  background: #19a4ac;
  color: #ffffff;
}

.btn-tertiary {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #19a4ac;
  font-size: 15px;
  font-weight: 700;
  transition: color 0.2s;
}

.btn-tertiary:hover {
  color: #0b304a;
}

/* ---- Form Card ---- */
.form-card {
  background: #ffffff;
  border-radius: 8px;
  padding: 40px 60px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
  margin-bottom: 24px;
}

.form-card h2 {
  font-size: 28px;
  font-weight: 900;
  color: #0b304a;
  text-align: center;
  margin-bottom: 8px;
}

.form-sub {
  text-align: center;
  color: #666;
  font-size: 15px;
  margin-bottom: 28px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group label {
  font-size: 13px;
  font-weight: 700;
  color: #0b304a;
  margin-bottom: 6px;
}

.form-group input,
.form-group select {
  padding: 14px 16px;
  border: 1px solid #d0d0d0;
  border-radius: 6px;
  font-family: inherit;
  font-size: 16px;
  color: #383838;
  background: #ffffff;
  transition: border-color 0.2s;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #19a4ac;
  box-shadow: 0 0 0 3px rgba(25,164,172,0.1);
}

.form-group input.error,
.form-group select.error {
  border-color: #e74c3c;
}

.form-error {
  font-size: 12px;
  color: #e74c3c;
  margin-top: 4px;
  min-height: 16px;
}

/* ---- Call Time Picker ---- */
.calltime-group {
  margin-bottom: 16px;
}

.calltime-group > label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
  font-size: 13px;
  font-weight: 700;
  color: #0b304a;
  margin-bottom: 10px;
}

.calltime-hint {
  font-size: 11px;
  font-weight: 600;
  color: #8a95a0;
  text-transform: none;
}

.calltime-options {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

/* Each button takes roughly a third of the row. flex-basis with calc allows
   5 buttons to wrap gracefully: 3 up top + 2 below on narrow screens. Labels
   are short enough to fit, but we drop nowrap as a safety valve so a slightly
   longer translation can wrap within a button rather than clipping. */
.calltime-btn {
  flex: 1 1 calc(33.333% - 6px);
  min-width: 0;
  padding: 12px 10px;
  border: 2px solid #e0e0e0;
  border-radius: 999px;     /* pill instead of rounded rect — matches the rest of the CTA language */
  background: #fff;
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  color: #4a5863;
  cursor: pointer;
  transition: all 0.15s;
  text-align: center;
  line-height: 1.2;
  -webkit-tap-highlight-color: transparent;
}

.calltime-btn:hover {
  border-color: #19a4ac;
  color: #0b304a;
}

.calltime-btn.active {
  border-color: #19a4ac;
  background: #f0fafa;
  color: #19a4ac;
  box-shadow: 0 2px 6px rgba(25, 164, 172, 0.18);
}

/* Soft warning surfaced when user picks a time outside business hours */
.calltime-notice {
  margin-top: 10px;
  padding: 10px 14px;
  border-radius: 8px;
  background: #fff7ed;
  border: 1px solid #fcd9b0;
  color: #8a4e12;
  font-size: 12.5px;
  line-height: 1.5;
}

.calltime-notice strong {
  color: #5e3609;
}

/* ---- Pick a Time ---- */
.picktime-wrapper {
  margin-top: 12px;
}

.picktime-row {
  display: flex;
  gap: 12px;
}

.picktime-row .form-group {
  flex: 1;
}

.picktime-input {
  padding: 12px 14px;
  border: 2px solid #e0e0e0;
  border-radius: 8px;
  font-family: inherit;
  font-size: 15px;
  color: #383838;
  width: 100%;
  transition: border-color 0.2s;
}

.picktime-input:focus {
  outline: none;
  border-color: #19a4ac;
  box-shadow: 0 0 0 3px rgba(25,164,172,0.1);
}

.form-checkbox {
  margin-bottom: 16px;
}

.form-checkbox label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-weight: 400;
  cursor: pointer;
}

.form-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: #19a4ac;
}

.form-checkbox span {
  font-size: 13px;
  color: #666;
  line-height: 1.4;
}

.form-checkbox a {
  color: #19a4ac;
  text-decoration: underline;
}

.btn-submit {
  margin-top: 8px;
}

.form-message {
  text-align: center;
  padding: 12px;
  border-radius: 6px;
  margin-top: 16px;
  font-size: 14px;
  font-weight: 600;
}

.form-message.success { background: #e8f8f5; color: #1a7a6d; }
.form-message.error { background: #fdf0ef; color: #c0392b; }

/* ---- California CPRA notice banner (bottom-fixed, only for CA visitors) ---- */
.ca-notice {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: #0b304a;
  color: #e2e8ef;
  z-index: 1000;
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.15);
}

.ca-notice[hidden] {
  display: none;
}

.ca-notice-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.ca-notice-text {
  flex: 1 1 60%;
  font-size: 13px;
  line-height: 1.5;
  min-width: 260px;
}

.ca-notice-text strong {
  color: #ffffff;
}

.ca-notice-text code {
  background: rgba(255, 255, 255, 0.1);
  padding: 1px 6px;
  border-radius: 4px;
  font-size: 12px;
}

.ca-notice-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.ca-notice-link {
  color: #ffffff;
  font-weight: 700;
  font-size: 13px;
  text-decoration: underline;
}

.ca-notice-link:hover {
  text-decoration: none;
}

.ca-notice-close {
  background: #ef8441;
  color: #ffffff;
  border: none;
  padding: 8px 18px;
  border-radius: 20px;
  font-family: inherit;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
}

.ca-notice-close:hover {
  background: #d97224;
}

/* ---- Lead progress tracker (live bot status) ----
   Step chips are hidden from end users — they don't care what step the
   bot is on, they care that submission is happening. The JS still walks
   these elements and applies .active / .done classes for debugging, and
   the admin page reads the real delivery status from the server. */
.lead-progress {
  display: none;
}

.lead-progress-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.lead-progress-spinner {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid #c8ecee;
  border-top-color: #19a4ac;
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
  flex-shrink: 0;
}

.lead-progress-spinner.done {
  border: 2px solid #19a4ac;
  border-top-color: #19a4ac;
  animation: none;
  position: relative;
}

.lead-progress-spinner.done::after {
  content: '✓';
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  color: #19a4ac;
  font-weight: 900;
}

.lead-progress-spinner.failed {
  border-color: #c0392b;
  border-top-color: #c0392b;
  animation: none;
}

.lead-progress-label {
  font-size: 14px;
  font-weight: 700;
  color: #0b304a;
}

.lead-progress-steps {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  font-size: 11px;
  line-height: 1.3;
}

.lead-progress-step {
  padding: 4px 9px;
  border-radius: 20px;
  background: #ffffff;
  border: 1px solid #e1e7ec;
  color: #8a95a0;
  font-weight: 600;
  transition: all 0.2s;
}

.lead-progress-step.active {
  background: #19a4ac;
  color: #ffffff;
  border-color: #19a4ac;
  animation: progressPulse 1.2s ease-in-out infinite;
}

.lead-progress-step.done {
  background: #e8f8f5;
  color: #1a7a6d;
  border-color: #b7e6db;
}

.lead-progress-step.failed {
  background: #fdf0ef;
  color: #c0392b;
  border-color: #f5c6bf;
}

@keyframes progressPulse {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.7; }
}

.form-legal-disclaimer {
  font-size: 11px;
  color: #777;
  line-height: 1.55;
  margin-top: 16px;
  text-align: left;
}

.form-legal-disclaimer strong {
  color: #0b304a;
  font-weight: 700;
}

/* Trust line above the big legal paragraph — short, quietly reassuring,
   sits right below the Continue button so it's the last thing the user
   reads before the dense legalese. */
.form-no-sell {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 12.5px;
  color: #4a5863;
  text-align: center;
  margin-top: 14px;
  margin-bottom: 0;
  line-height: 1.4;
}

.form-no-sell svg {
  color: #19a4ac;
  flex-shrink: 0;
}

.form-no-sell strong {
  color: #0b304a;
  font-weight: 800;
}

/* ---- Success ---- */
/* Shared across both success states (processing + final) */
.success-processing,
.success-final {
  text-align: center;
  padding: 20px 0;
}

.success-icon { margin-bottom: 16px; }

.success-processing h2,
.success-final h2 {
  font-size: 28px;
  font-weight: 900;
  color: #0b304a;
  margin-bottom: 8px;
}

.success-processing p,
.success-final p { color: #666; margin-bottom: 8px; }

.processing-sub {
  font-size: 14px;
  color: #667380;
  max-width: 400px;
  margin: 0 auto 20px;
  line-height: 1.5;
}

.success-lead {
  font-size: 17px;
  font-weight: 600;
  color: #0b304a !important;
  max-width: 420px;
  margin: 0 auto 4px !important;
  line-height: 1.5;
}

.success-cta-text {
  font-weight: 700;
  color: #0b304a;
  margin-top: 20px !important;
  margin-bottom: 12px !important;
}

.success-final .btn-primary,
.success-processing .btn-primary {
  max-width: 320px;
  margin: 0 auto;
}

/* Spinner in the "processing" state */
.working-spinner {
  animation: spin 1s linear infinite;
}

.success-icon-done {
  animation: checkpop 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

@keyframes checkpop {
  0%   { transform: scale(0.4); opacity: 0; }
  60%  { transform: scale(1.15); opacity: 1; }
  100% { transform: scale(1); opacity: 1; }
}

/* ---- Reviews Section ---- */
.reviews-section {
  padding: 50px 0;
  background: #0b304a;
}

.reviews-title {
  font-size: 32px;
  font-weight: 900;
  color: #ffffff;
  text-align: center;
  margin-bottom: 36px;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.review-card {
  background: #ffffff;
  border-radius: 10px;
  padding: 16px 12px;
  text-align: center;
}

.review-logo {
  margin-bottom: 6px;
}

.review-logo span {
  font-size: 18px !important;
}

.review-stars {
  font-size: 18px;
  color: #ef8441;
  letter-spacing: 1px;
  margin-bottom: 4px;
}

.review-rating {
  font-size: 13px;
  font-weight: 700;
  color: #0b304a;
  margin-bottom: 6px;
}

.review-link {
  font-size: 12px;
  font-weight: 700;
  color: #19a4ac;
  text-decoration: underline;
}

/* ---- Trust Stats Bar ---- */
.trust-bar {
  padding: 30px 0;
  background: #0b304a;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.trust-bar-items {
  display: flex;
  justify-content: center;
  gap: 50px;
  flex-wrap: wrap;
}

.trust-bar-item {
  text-align: center;
}

.trust-bar-asterisk {
  font-size: 0.55em;
  font-weight: 700;
  color: rgba(25, 164, 172, 0.6);
  top: -0.6em;
  margin-left: 1px;
}

.trust-bar-num {
  font-size: 36px;
  font-weight: 900;
  color: #19a4ac;
  line-height: 1;
  margin-bottom: 4px;
}

.trust-bar-label {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* ---- FAQ Accordion ---- */
.faq-section {
  padding: 50px 0;
  background: #ffffff;
}

.accordion {
  max-width: 700px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.accordion-item {
  background: #ffffff;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
}

.faq-section .accordion-item {
  background: #f8fafb;
}

.accordion-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  border: none;
  background: transparent;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  color: #0b304a;
  cursor: pointer;
  text-align: left;
  transition: background 0.15s;
}

.accordion-btn:hover {
  background: rgba(25,164,172,0.05);
}

.accordion-arrow {
  font-size: 22px;
  font-weight: 400;
  color: #19a4ac;
  transition: transform 0.2s;
  flex-shrink: 0;
  margin-left: 12px;
}

.accordion-item.open .accordion-arrow {
  transform: rotate(45deg);
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.accordion-content p {
  padding: 0 24px 18px;
  font-size: 14px;
  color: #666;
  line-height: 1.6;
}

/* ---- How It Works Banner (dark navy hero above the tabs) ---- */
.how-banner {
  background: #0b304a;
  padding: 70px 0 80px;
  text-align: center;
}

.how-banner-title {
  font-size: 56px;
  font-weight: 900;
  color: #ffffff;
  margin: 0 0 14px;
  line-height: 1.05;
  letter-spacing: -0.5px;
}

.how-banner-sub {
  font-size: 17px;
  color: #c9d6e1;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ---- How It Works section (tabs card overlaps banner below) ----
   Negative margin-top pulls the tabs card up into the banner for the
   classic "card rises out of hero" look. No hero-bubble child here
   anymore so no margin-collapse problem to worry about. */
.how-section {
  padding: 0 0 50px;
  background: transparent;
  margin-top: -50px;
}

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

.section-title {
  font-size: 32px;
  font-weight: 900;
  color: #0b304a;
  text-align: center;
  margin-bottom: 8px;
}

.section-sub {
  text-align: center;
  color: #666;
  font-size: 15px;
  margin-bottom: 32px;
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.how-grid-nine {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* ---- Journey hero stat (above grid) ---- */
.journey-hero-stat {
  text-align: center;
  background: linear-gradient(135deg, #f4fbfc 0%, #eaf7f8 100%);
  border: 1px solid #c8ecee;
  border-radius: 10px;
  padding: 16px 24px;
  margin: 0 auto 28px;
  max-width: 720px;
  font-size: 15px;
  color: #0b304a;
  line-height: 1.5;
}

.journey-hero-stat strong {
  color: #19a4ac;
  font-weight: 900;
}

.journey-hero-stat sup {
  font-size: 10px;
  color: #8a8a8a;
  font-weight: 400;
}

/* ---- Card top row (time badge) ---- */
.how-card-top {
  display: flex;
  justify-content: flex-start;
  align-items: center;
  margin-bottom: 14px;
  min-height: 22px;
}

.how-card-time {
  display: inline-block;
  background: #e6f7f8;
  color: #19a4ac;
  font-size: 11px;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: 20px;
  letter-spacing: 0.4px;
  text-transform: uppercase;
}

.how-card-time-finish {
  background: #19a4ac;
  color: #ffffff;
}

/* ---- Card benefit subtitle ---- */
.how-card-benefit {
  font-size: 13px;
  color: #19a4ac;
  font-style: italic;
  font-weight: 600;
  margin-top: 2px;
  line-height: 1.4;
}

/* ---- Journey reassurance (below grid) ---- */
.journey-reassurance {
  text-align: center;
  margin-top: 28px;
  padding: 14px 20px;
  font-size: 14px;
  color: #555;
  line-height: 1.5;
}

.journey-reassurance strong {
  color: #0b304a;
  font-weight: 800;
}

/* ---- Tabbed How It Works (matches unitedsettlement.com/how-it-works) ---- */
.how-tabs-wrap {
  background: #ffffff;
  border-radius: 14px;
  box-shadow: 0 4px 24px rgba(11, 48, 74, 0.06);
  border: 1px solid #eef2f4;
  overflow: hidden;
}

.how-tabs {
  display: flex;
  border-bottom: 1px solid #e8ecef;
  background: #fafbfc;
}

.how-tab {
  flex: 1;
  background: none;
  border: none;
  padding: 22px 16px 18px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  color: #9aa4ae;
  cursor: pointer;
  position: relative;
  transition: color 0.2s;
  text-align: center;
  line-height: 1.2;
}

.how-tab:hover {
  color: #0b304a;
}

.how-tab.active {
  color: #0b304a;
  background: #ffffff;
}

.how-tab.active::after {
  content: '';
  position: absolute;
  left: 20%;
  right: 20%;
  bottom: -1px;
  height: 3px;
  background: #ef8441;
  border-radius: 2px;
}

.how-panels {
  padding: 48px 36px 32px;
}

.how-panel {
  display: none;
  animation: fadeInPanel 0.25s ease;
}

.how-panel.active {
  display: block;
}

@keyframes fadeInPanel {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

.how-steps {
  display: grid;
  gap: 32px;
}

.how-steps-2 {
  grid-template-columns: 1fr 1fr;
}

.how-steps-3 {
  grid-template-columns: 1fr 1fr 1fr;
}

.how-step {
  text-align: left;
  padding: 8px;
}

.how-step-icon {
  text-align: center;
  margin-bottom: 18px;
}

.how-step-num {
  text-align: center;
  font-size: 16px;
  font-weight: 800;
  color: #0b304a;
  margin-bottom: 14px;
}

.how-step-title {
  font-size: 19px;
  font-weight: 800;
  color: #0b304a;
  margin: 0 0 14px;
  line-height: 1.3;
}

.how-step-desc {
  font-size: 14px;
  color: #555;
  line-height: 1.7;
  margin: 0;
}

.how-step-cta {
  display: inline-block;
  margin-top: 16px;
  color: #ef8441;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  border-bottom: 2px solid #ef8441;
  padding-bottom: 2px;
}

.how-step-cta:hover {
  opacity: 0.8;
}

.how-panel-next {
  text-align: right;
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid #f2f4f6;
}

.how-next-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  color: #0b304a;
  cursor: pointer;
  padding: 8px 4px;
  text-decoration: none;
  transition: transform 0.2s;
}

.how-next-btn:hover {
  transform: translateX(3px);
}

.how-next-cta {
  background: #ef8441;
  color: #ffffff;
  padding: 12px 24px;
  border-radius: 50px;
}

.how-next-cta svg {
  stroke: #ffffff;
}

.how-next-cta:hover {
  background: #e27534;
}

.second-cta-section {
  padding: 40px 0;
  background: #f2f5f7;
}

/* ---- Second CTA ---- */
.second-cta {
  text-align: center;
}

.second-cta-text {
  font-size: 20px;
  font-weight: 800;
  color: #0b304a;
  margin-bottom: 16px;
}

.second-cta .btn-primary {
  max-width: 420px;
  margin: 0 auto;
}

/* ---- Footer ---- */
.footer {
  background: #0b304a;
  color: #ffffff;
  padding: 30px 0;
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}

.footer-logo img {
  height: 24px;
  width: auto;
  filter: brightness(0) invert(1);
}

.footer-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #19a4ac;
  font-size: 16px;
  font-weight: 700;
}

.footer-phone:hover { color: #ffffff; }

.footer-disclaimer {
  font-size: 11px;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  text-align: center;
}

.footer-registration {
  font-size: 11px;
  color: rgba(255,255,255,0.5);
  text-align: center;
  margin-top: 12px;
  font-weight: 600;
}

/* Fine-print affiliate disclosure — sized to read as legal notice, not a
   headline. FTC requires "clear and conspicuous" (plain language, not
   hidden), which this satisfies: readable, centered, not behind a click. */
.footer-affiliate {
  font-size: 10px;
  color: rgba(255,255,255,0.28);
  line-height: 1.6;
  text-align: center;
  margin-top: 14px;
  margin-bottom: 0;
  font-weight: 400;
  letter-spacing: 0.1px;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.footer-links {
  text-align: center;
  margin-top: 14px;
  font-size: 12px;
}

.footer-links a,
.footer-disclaimer a {
  color: rgba(255,255,255,0.6);
  text-decoration: underline;
}

/* ---- Loading spinner ---- */
.btn-primary.loading {
  position: relative;
  color: transparent;
}

.btn-primary.loading::after {
  content: '';
  position: absolute;
  width: 24px;
  height: 24px;
  border: 3px solid rgba(255,255,255,0.3);
  border-top-color: #ffffff;
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

/* ========================================
   Mobile (< 768px)
   ======================================== */
@media (max-width: 767px) {
  .main-card {
    padding: 30px 20px 28px;
  }

  .main-card h1 {
    font-size: 28px;
  }

  .slider-amount {
    font-size: 42px;
  }

  .slider-label {
    font-size: 15px;
  }

  .btn-primary {
    font-size: 17px;
    padding: 16px 20px;
  }

  .secondary-ctas {
    flex-direction: column;
    gap: 12px;
  }

  .form-card {
    padding: 28px 20px;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .section-title {
    font-size: 24px;
  }

  .how-banner {
    padding: 44px 0 56px;
  }

  .how-banner-title {
    font-size: 34px;
  }

  .how-banner-sub {
    font-size: 14px;
    padding: 0 12px;
  }

  .reviews-title {
    font-size: 22px;
    margin-bottom: 20px;
  }

  .reviews-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
  }

  .review-card {
    padding: 12px 8px;
  }

  .review-logo span {
    font-size: 14px !important;
  }

  .review-stars {
    font-size: 14px;
  }

  .review-rating {
    font-size: 11px;
  }

  .review-link {
    font-size: 10px;
  }

  .trust-bar-items {
    gap: 24px;
  }

  .section-sub {
    font-size: 13px;
    margin-bottom: 20px;
  }

  /* Tab how-it-works on mobile: scrollable tabs, stacked steps */
  /* Mobile: one horizontal row of four, so the left-to-right reading
     order matches the actual journey (Begin → Negotiations → Pay Off →
     Freedom). Labels wrap to a second line inside their cell when needed
     — "Pay Off Settlements" becomes two lines, same for "Financial
     Freedom" — rather than overflowing or requiring a horizontal swipe. */
  .how-tabs {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    overflow-x: visible;
  }

  .how-tab {
    flex: none;
    padding: 12px 6px 11px;
    font-size: 11.5px;
    line-height: 1.25;
    white-space: normal;
    word-break: break-word;
    hyphens: auto;
    min-height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  /* Subtle vertical divider between cells, but not after the last one */
  .how-tab + .how-tab {
    border-left: 1px solid #eef2f4;
  }

  /* Active underline scaled to the narrower cell width */
  .how-tab.active::after {
    left: 10%;
    right: 10%;
    bottom: 0;
    height: 2.5px;
  }

  .how-panels {
    padding: 28px 20px 20px;
  }

  .how-steps-2,
  .how-steps-3 {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .how-step-title {
    font-size: 17px;
  }

  .how-panel-next {
    text-align: center;
  }

  .footer-inner {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }

  .logo img {
    height: 24px;
  }

  /* Keep the two-line stack (number + "Call anytime") as inline-flex
     on mobile so the subtitle sits directly under the number. */
  .header-phone-stack {
    display: inline-flex;
  }
}

/* ========================================
   Small mobile (< 480px)
   ======================================== */
@media (max-width: 479px) {
  .main-card h1 {
    font-size: 24px;
  }

  .slider-amount {
    font-size: 36px;
  }

  .how-card {
    padding: 18px 14px;
  }

  .how-card strong {
    font-size: 14px;
  }

}