/* =============================================
   SWIFT LINE CAPITAL — BRAND COLOR SYSTEM
   Navy #2B3252 | Green #4DB848 | White #FFFFFF
   ============================================= */

:root {
  --navy:        #2B3252;
  --navy-dark:   #1E2440;
  --navy-light:  #3D4A6B;
  --green:       #4DB848;
  --green-dark:  #3A9A36;
  --green-light: #6DCF68;
  --white:       #FFFFFF;
  --off-white:   #F7F8FC;
  --light-gray:  #EEF0F5;
  --border:      #DDE1EC;
  --text-dark:   #1A1D2E;
  --text-mid:    #4A4F6B;
  --text-light:  #7A7F99;
  --gold:        #F5A623;
}

/* ============ RESET & BASE ============ */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text-dark);
  line-height: 1.6;
  background: var(--white);
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Poppins', 'Inter', sans-serif;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 600; }
h4 { font-size: 1.15rem; font-weight: 600; }

p { margin-bottom: 1rem; color: var(--text-mid); }
a { color: var(--green); text-decoration: none; transition: color .2s; }
a:hover { color: var(--green-dark); }

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

.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }

/* ============ TOP BAR ============ */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.85);
  font-size: .85rem;
  padding: .45rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.top-bar a { color: var(--green-light); font-weight: 600; }
.top-bar a:hover { color: #fff; }
.top-bar-social { display: flex; gap: .75rem; align-items: center; }
.top-bar-social a { color: rgba(255,255,255,.7); display: flex; }
.top-bar-social a:hover { color: var(--green-light); }

/* ============ HEADER / NAV ============ */
header {
  background: var(--white);
  border-bottom: 2px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(43,50,82,.08);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: .75rem 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
  gap: 1rem;
}
.logo img { height: 52px; width: auto; }

nav ul { display: flex; list-style: none; align-items: center; gap: .25rem; }
nav ul li a {
  display: block;
  padding: .5rem .85rem;
  color: var(--text-dark);
  font-weight: 500;
  font-size: .95rem;
  border-radius: 6px;
  transition: background .2s, color .2s;
}
nav ul li a:hover { background: var(--off-white); color: var(--navy); }

/* Dropdown */
.dropdown { position: relative; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: 0 12px 36px rgba(43,50,82,.15);
  min-width: 220px;
  padding: .5rem 0;
  padding-top: 8px;
  margin-top: 0;
  z-index: 500;
  flex-direction: column;
}
/* Invisible bridge fills the gap so hover doesn't break */
.dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  height: 12px;
  background: transparent;
}
.dropdown:hover .dropdown-menu { display: flex; }
.dropdown-menu li a {
  padding: .55rem 1.25rem;
  border-radius: 0;
  font-size: .9rem;
  white-space: nowrap;
}
.dropdown-menu li a:hover { background: var(--off-white); color: var(--navy); }

.nav-cta {
  background: var(--green) !important;
  color: var(--white) !important;
  border-radius: 6px !important;
  padding: .6rem 1.25rem !important;
  font-weight: 700 !important;
  transition: background .2s !important;
}
.nav-cta:hover { background: var(--green-dark) !important; }

.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  cursor: pointer;
  color: var(--navy);
  line-height: 1;
}

/* ============ HERO ============ */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  color: var(--white);
  padding: 5rem 1.5rem 4rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 480px; height: 480px;
  background: radial-gradient(circle, rgba(77,184,72,.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(77,184,72,.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-block;
  background: rgba(77,184,72,.2);
  border: 1px solid rgba(77,184,72,.4);
  color: var(--green-light);
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: .35rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
  line-height: 1.1;
}
.hero h1 span { color: var(--green-light); }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,.85);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 1.75rem;
}
.hero-stat-num {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--green-light);
  font-family: 'Poppins', sans-serif;
  line-height: 1;
  margin-bottom: .2rem;
}
.hero-stat-label { font-size: .82rem; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: .05em; }

.hero-image-col { position: relative; }
.hero-image-col img {
  border-radius: 16px;
  box-shadow: 0 24px 64px rgba(0,0,0,.3);
  width: 100%;
  object-fit: cover;
  max-height: 480px;
}
.hero-trust-badge {
  position: absolute;
  bottom: -16px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border-radius: 12px;
  padding: .85rem 1.5rem;
  box-shadow: 0 8px 24px rgba(0,0,0,.15);
  display: flex;
  align-items: center;
  gap: .75rem;
  white-space: nowrap;
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
}
.hero-trust-badge .badge-icon { font-size: 1.4rem; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .85rem 1.75rem;
  border-radius: 8px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  text-decoration: none;
  transition: all .25s;
  line-height: 1;
}
.btn-green {
  background: var(--green);
  color: var(--white);
}
.btn-green:hover { background: var(--green-dark); color: var(--white); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(77,184,72,.35); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.6);
}
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: var(--white); color: var(--white); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-dark); color: var(--white); transform: translateY(-2px); }

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

.btn-lg { padding: 1rem 2.25rem; font-size: 1.1rem; }

/* ============ SECTION DEFAULTS ============ */
section { padding: 5rem 1.5rem; }
.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: .75rem;
}
.section-title { color: var(--navy); margin-bottom: 1rem; }
.section-sub { color: var(--text-mid); font-size: 1.05rem; max-width: 640px; margin-bottom: 2.5rem; }

.bg-off-white { background: var(--off-white); }
.bg-navy { background: var(--navy); }
.bg-navy-dark { background: var(--navy-dark); }
.text-center { text-align: center; }
.text-center .section-sub { margin-left: auto; margin-right: auto; }

/* ============ PRODUCT TABS STRIP ============ */
.product-strip {
  background: var(--navy);
  padding: 1.25rem 1.5rem;
  overflow-x: auto;
  scrollbar-width: none;
}
.product-strip::-webkit-scrollbar { display: none; }
.product-strip-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  gap: .75rem;
  justify-content: center;
  flex-wrap: wrap;
}
.product-pill {
  background: rgba(255,255,255,.1);
  color: rgba(255,255,255,.85);
  border: 1px solid rgba(255,255,255,.15);
  padding: .45rem 1.1rem;
  border-radius: 50px;
  font-size: .88rem;
  font-weight: 600;
  white-space: nowrap;
  transition: all .2s;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
}
a.product-pill:hover {
  background: rgba(255,255,255,.2);
  color: var(--white);
  border-color: rgba(255,255,255,.3);
  transform: translateY(-1px);
}
.product-pill.featured {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}
a.product-pill.featured:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
}

/* ============ CARDS ============ */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 2rem;
  transition: all .3s;
}
.card:hover {
  box-shadow: 0 12px 40px rgba(43,50,82,.12);
  border-color: var(--green);
  transform: translateY(-4px);
}
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(77,184,72,.15) 0%, rgba(77,184,72,.05) 100%);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
}
.card h3 { color: var(--navy); margin-bottom: .6rem; font-size: 1.15rem; }
.card p { color: var(--text-mid); font-size: .95rem; margin: 0; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.card-grid-3 { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }

/* Product cards (linked) */
a.product-card {
  display: block;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 1.75rem;
  transition: all .3s;
  color: inherit;
}
a.product-card:hover {
  box-shadow: 0 12px 40px rgba(43,50,82,.12);
  border-color: var(--green);
  transform: translateY(-4px);
  color: inherit;
}
a.product-card .card-icon { background: linear-gradient(135deg, rgba(77,184,72,.12), rgba(43,50,82,.06)); }
a.product-card h3 { color: var(--navy); margin-bottom: .5rem; font-size: 1.1rem; }
a.product-card p { color: var(--text-mid); font-size: .9rem; margin-bottom: 1rem; }
.card-link { color: var(--green); font-weight: 700; font-size: .9rem; display: flex; align-items: center; gap: .3rem; }
.card-link::after { content: '→'; }

/* ============ HIGHLIGHT STRIP (0% CREDIT CARDS) ============ */
.highlight-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.highlight-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(77,184,72,.2) 0%, transparent 65%);
}
.highlight-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.highlight-section h2 { color: var(--white); }
.highlight-section h2 span { color: var(--green-light); }
.highlight-section p { color: rgba(255,255,255,.8); }

.benefit-list { list-style: none; padding: 0; margin: 1.5rem 0; }
.benefit-list li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  padding: .6rem 0;
  color: rgba(255,255,255,.9);
  font-size: .97rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.benefit-list li:last-child { border: none; }
.benefit-icon { color: var(--green-light); font-size: 1.1rem; flex-shrink: 0; margin-top: .1rem; }

.stat-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.stat-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 14px;
  padding: 1.5rem;
  text-align: center;
  backdrop-filter: blur(10px);
}
.stat-card-num {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--green-light);
  font-family: 'Poppins', sans-serif;
  line-height: 1;
  margin-bottom: .35rem;
}
.stat-card-label { font-size: .82rem; color: rgba(255,255,255,.65); text-transform: uppercase; letter-spacing: .06em; }

/* ============ HOW IT WORKS ============ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
  margin-top: 2.5rem;
  position: relative;
}
.step-card {
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  transition: all .3s;
}
.step-card:hover { box-shadow: 0 8px 30px rgba(43,50,82,.1); transform: translateY(-3px); }
.step-num {
  width: 52px; height: 52px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  margin: 0 auto 1.25rem;
  font-family: 'Poppins', sans-serif;
}
.step-card h4 { color: var(--navy); margin-bottom: .5rem; }
.step-card p { font-size: .9rem; color: var(--text-mid); margin: 0; }

/* ============ COMPARISON ============ */
.comparison-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  margin-top: 2.5rem;
}
.comp-col {
  border-radius: 14px;
  padding: 2rem;
}
.comp-col.bad { background: #FEF2F2; border: 1px solid #FECACA; }
.comp-col.good { background: #F0FDF4; border: 1px solid #BBF7D0; }
.comp-col h3 { margin-bottom: 1.5rem; }
.comp-col.bad h3 { color: #DC2626; }
.comp-col.good h3 { color: #16A34A; }
.comp-col ul { list-style: none; padding: 0; }
.comp-col ul li { padding: .55rem 0; border-bottom: 1px solid rgba(0,0,0,.05); font-size: .95rem; color: var(--text-dark); }
.comp-col ul li:last-child { border: none; }

/* ============ TESTIMONIALS ============ */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 2rem;
  border-left: 4px solid var(--green);
}
.stars { color: var(--gold); font-size: 1rem; margin-bottom: .75rem; letter-spacing: .05em; }
.testimonial-text { color: var(--text-dark); font-style: italic; line-height: 1.75; margin-bottom: 1rem; font-size: .97rem; }
.testimonial-author { font-weight: 700; color: var(--navy); font-size: .9rem; }
.testimonial-detail { font-size: .82rem; color: var(--text-light); }

/* ============ CONTACT / FORM SECTION ============ */
.contact-section {
  background: var(--off-white);
}
.contact-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.contact-info h2 { color: var(--navy); margin-bottom: 1rem; }
.contact-info p { color: var(--text-mid); margin-bottom: 2rem; }
.contact-detail { display: flex; align-items: center; gap: .85rem; margin-bottom: 1.25rem; }
.contact-detail-icon {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--white);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-detail-text strong { display: block; color: var(--navy); font-size: .9rem; }
.contact-detail-text a, .contact-detail-text span { color: var(--text-mid); font-size: .9rem; }
.contact-detail-text a:hover { color: var(--green); }

.ghl-form-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 2rem;
  box-shadow: 0 8px 30px rgba(43,50,82,.07);
}
.ghl-form-box h3 { color: var(--navy); margin-bottom: .5rem; }
.ghl-form-box p { color: var(--text-mid); font-size: .92rem; margin-bottom: 1.5rem; }
.ghl-form-box iframe { width: 100%; min-height: 580px; border: none; }

/* ============ FOOTER ============ */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.75);
  padding: 4rem 1.5rem 2rem;
}
.footer-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand img { height: 44px; margin-bottom: 1rem; }
.footer-brand p { font-size: .88rem; line-height: 1.75; color: rgba(255,255,255,.6); margin-bottom: 1.25rem; }
.footer-social { display: flex; gap: .75rem; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.1);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.7);
  transition: all .2s;
}
.footer-social a:hover { background: var(--green); color: var(--white); }

.footer-col h4 { color: var(--white); font-size: .95rem; margin-bottom: 1.1rem; }
.footer-col ul { list-style: none; padding: 0; }
.footer-col ul li { margin-bottom: .6rem; }
.footer-col ul li a { color: rgba(255,255,255,.6); font-size: .88rem; transition: color .2s; }
.footer-col ul li a:hover { color: var(--green-light); }
.footer-col .contact-item { display: flex; align-items: flex-start; gap: .6rem; margin-bottom: .75rem; font-size: .88rem; color: rgba(255,255,255,.6); }
.footer-col .contact-item a { color: rgba(255,255,255,.6); }
.footer-col .contact-item a:hover { color: var(--green-light); }

.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding-top: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: .82rem;
  color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: var(--green-light); }
.footer-bottom-links { display: flex; gap: 1.5rem; }

/* ============ UTILITIES ============ */
.tag {
  display: inline-block;
  background: rgba(77,184,72,.12);
  color: var(--green-dark);
  font-size: .78rem;
  font-weight: 700;
  padding: .25rem .75rem;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: .75rem;
}
.tag-navy {
  background: rgba(43,50,82,.1);
  color: var(--navy);
}

.check-list { list-style: none; padding: 0; }
.check-list li {
  display: flex; align-items: flex-start; gap: .65rem;
  padding: .4rem 0;
  font-size: .97rem;
  color: var(--text-mid);
}
.check-list li::before { content: '✓'; color: var(--green); font-weight: 800; flex-shrink: 0; }

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.two-col-reverse { direction: rtl; }
.two-col-reverse > * { direction: ltr; }

.rounded-img {
  border-radius: 16px;
  box-shadow: 0 16px 48px rgba(43,50,82,.15);
  width: 100%;
  object-fit: cover;
}

/* ============ OPT-IN FORM SECTION ============ */
.optin-section {
  background: var(--off-white);
  padding: 5rem 1.5rem;
  border-top: 1px solid var(--border);
}
.optin-section .section-label { text-align: center; }
.optin-section .section-title { text-align: center; margin-bottom: .75rem; }
.optin-section .section-subtitle {
  text-align: center;
  color: var(--text-mid);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}
.optin-form-wrap {
  max-width: 680px;
  margin: 0 auto;
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 4px 24px rgba(43,50,82,.09);
  padding: 2rem;
  min-height: 420px;
}
.optin-form-wrap iframe {
  width: 100%;
  min-height: 380px;
  border: none;
  border-radius: 3px;
  display: block;
}

/* ============ MISSING BUTTON VARIANT ============ */
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* ============ CONTACT MODAL ============ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(27,32,58,.72);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  backdrop-filter: blur(3px);
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--white);
  border-radius: 20px;
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: 0 20px 60px rgba(27,32,58,.35);
  position: relative;
  padding: 2.5rem 2rem 2rem;
}
.modal-close {
  position: absolute;
  top: 1rem;
  right: 1.25rem;
  background: var(--light-gray);
  border: none;
  border-radius: 50%;
  width: 34px;
  height: 34px;
  font-size: 1rem;
  cursor: pointer;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
  transition: background .2s;
}
.modal-close:hover { background: var(--border); }
.modal-header { margin-bottom: 1.5rem; }
.modal-header .section-label { margin-bottom: .4rem; }
.modal-header h3 {
  font-family: 'Poppins', sans-serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: .4rem;
}
.modal-header p { color: var(--text-mid); font-size: .95rem; line-height: 1.6; }
.modal-form-wrap iframe {
  width: 100%;
  min-height: 400px;
  border: none;
  display: block;
}

/* ============ RESPONSIVE ============ */

/* Tablet */
@media (max-width: 900px) {
  .hero-inner, .highlight-inner, .contact-inner, .two-col { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-image-col { display: none; }
  .stat-cards { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .comparison-wrap { grid-template-columns: 1fr; }
}

/* Mobile */
@media (max-width: 768px) {
  /* Layout & spacing */
  section { padding: 3rem 1rem; }
  .container { padding: 0 1rem; }
  .optin-section { padding: 3rem 1rem; }

  /* Top bar — hide social icons, center text */
  .top-bar {
    font-size: .78rem;
    padding: .4rem 1rem;
    justify-content: center;
  }
  .top-bar-social { display: none; }

  /* Nav */
  .navbar { padding: .65rem 1rem; }
  .logo img { height: 44px; }
  nav ul {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    border-bottom: 2px solid var(--border);
    padding: 1rem;
    box-shadow: 0 8px 20px rgba(0,0,0,.1);
    gap: .25rem;
    z-index: 999;
  }
  nav ul.open { display: flex; }
  .menu-toggle { display: block; }
  .dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    background: var(--off-white);
    border-radius: 8px;
    padding: .25rem 0;
  }

  /* Buttons — right-sized for thumbs */
  .btn { padding: .72rem 1.35rem; font-size: .92rem; }
  .btn-lg { padding: .85rem 1.6rem; font-size: .97rem; }

  /* Button groups — stack vertically, full-width */
  .btn-group {
    flex-direction: column !important;
    align-items: stretch !important;
    gap: .75rem !important;
  }
  .btn-group .btn,
  .btn-group a.btn {
    text-align: center;
    justify-content: center;
    width: 100%;
    box-sizing: border-box;
  }
  .hero-ctas {
    flex-direction: column;
    align-items: stretch;
  }
  .hero-ctas .btn { text-align: center; justify-content: center; }

  /* Hero stats */
  .hero-stats { grid-template-columns: 1fr 1fr 1fr; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }

  /* Opt-in form */
  .optin-form-wrap { padding: 1.5rem 1rem; }

  /* Product strip — horizontal scroll on mobile */
  .product-strip-inner { flex-wrap: nowrap; justify-content: flex-start; overflow-x: auto; padding-bottom: .25rem; }
}

/* Small mobile */
@media (max-width: 480px) {
  section { padding: 2.5rem 1rem; }

  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.45rem; }
  h3 { font-size: 1.1rem; }

  .btn { padding: .65rem 1.1rem; font-size: .88rem; }
  .btn-lg { padding: .75rem 1.3rem; font-size: .92rem; }

  .logo img { height: 40px; }

  .hero-stats { grid-template-columns: 1fr 1fr; gap: .75rem; }
  .stat-cards { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr; }

  .optin-form-wrap { padding: 1rem .75rem; }

  /* Product hero card — move below on small screens */
  .hero-loan-card { padding: 1.5rem 1.25rem; }
}

/* Modal on mobile */
@media (max-width: 600px) {
  .modal-box { padding: 2rem 1.25rem 1.5rem; border-radius: 14px; }
  .modal-header h3 { font-size: 1.25rem; }
  .modal-overlay { padding: 1rem; }
}