/* SET Financial 2026 - Modern Fintech Design */

:root {
    /* ========================================
       BRAND COLOR TOKENS
       Primary Dark (Deep Trust Blue): #0B2E4F
       Accent (Teal / Growth): #12B5A6
       Light Background: #F5F7FA
       ======================================== */

    /* Primary Brand Colors */
    --brand-primary: #0B2E4F;
    --brand-primary-light: #0F3A63;
    --brand-primary-dark: #071E33;

    /* Accent Brand Colors */
    --brand-accent: #12B5A6;
    --brand-accent-light: #14C9B8;
    --brand-accent-dark: #0F9D90;

    /* Light Background */
    --brand-bg-light: #F5F7FA;

    /* ========================================
       LEGACY TOKENS (mapped to brand)
       ======================================== */
    --navy-900: var(--brand-primary-dark);
    --navy-800: var(--brand-primary);
    --navy-700: var(--brand-primary-light);
    --navy-600: #2A4066;

    --teal-500: var(--brand-accent);
    --teal-400: var(--brand-accent-light);
    --teal-600: var(--brand-accent-dark);
    --teal-800: #0A7A70;

    --blue-500: #2196F3;
    --blue-600: #1976D2;

    --white: #FFFFFF;
    --gray-50: var(--brand-bg-light);
    --gray-100: #F1F5F9;
    --gray-200: #E2E8F0;
    --gray-300: #CBD5E1;
    --gray-400: #94A3B8;
    --gray-500: #64748B;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1E293B;
    --gray-900: #0F172A;

    /* Typography */
    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    /* Spacing */
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;

    /* Border Radius */
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-2xl: 1.5rem;
    --radius-full: 9999px;

    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1);

    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 200ms ease;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
    font-family: var(--font-family);
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-700);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; }
ul { list-style: none; }

/* Screen-reader only */
.sr-only {
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    padding: 0 !important;
    margin: -1px !important;
    overflow: hidden !important;
    clip: rect(0, 0, 0, 0) !important;
    white-space: nowrap !important;
    border: 0 !important;
}

/* Skip link */
.skip-link {
    position: absolute;
    top: 0;
    left: 0;
    transform: translateY(-200%);
    background: rgba(255, 255, 255, 0.95);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    color: var(--gray-900);
    padding: var(--space-3) var(--space-4);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    z-index: 9999;
}

.skip-link:focus-visible {
    transform: translateY(var(--space-4));
}

/* Global focus visibility (keyboard) */
:where(a, button, summary, [role="button"], input, select, textarea):focus-visible {
    outline: none;
    box-shadow: 0 0 0 3px rgba(15, 31, 60, 0.95), 0 0 0 6px rgba(0, 212, 170, 0.75);
    border-radius: 10px;
}

.logo:focus-visible {
    box-shadow: 0 0 0 3px rgba(15, 31, 60, 0.95), 0 0 0 6px rgba(0, 212, 170, 0.75);
}

.nav-link:focus-visible {
    background: var(--gray-100);
    color: var(--gray-900);
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-6);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    padding: var(--space-3) var(--space-6);
    min-height: 48px; /* thumb zone */
    border-radius: var(--radius-lg);
    font-family: var(--font-family);
    font-weight: 600;
    font-size: 0.9375rem;
    border: none;
    cursor: pointer;
    transition: all var(--transition-fast);
    text-decoration: none;
}

.btn-primary {
    background: var(--navy-800);
    color: var(--white);
}
.btn-primary:hover {
    background: var(--navy-700);
    transform: translateY(-1px) scale(1.05);
    box-shadow: 0 0 20px rgba(0, 212, 170, 0.32);
}

.btn-accent {
    background: var(--teal-500);
    color: var(--navy-900);
    font-weight: 700;
}
.btn-accent:hover {
    background: var(--teal-400);
    transform: translateY(-1px) scale(1.05);
    box-shadow: 0 0 20px rgba(0, 212, 170, 0.5);
}

.btn:active {
    transform: translateY(0) scale(0.95);
}

/* Gentle pulse (Hero Apply Now) */
@keyframes setGentlePulse {
    0%, 100% {
        transform: translateY(0) scale(1);
        box-shadow: 0 0 40px rgba(18, 181, 166, 0.3), 0 4px 20px rgba(0, 0, 0, 0.2);
    }
    50% {
        transform: translateY(-2px) scale(1.03);
        box-shadow: 0 0 60px rgba(18, 181, 166, 0.55), 0 8px 30px rgba(0, 0, 0, 0.25);
    }
}

.btn-pulse {
    animation: setGentlePulse 2.6s ease-in-out infinite;
}

.btn-pulse:hover,
.btn-pulse:focus-visible,
.btn-pulse:active {
    animation: none;
}

.btn-ghost {
    background: transparent;
    color: var(--gray-600);
}
.btn-ghost:hover {
    background: var(--gray-100);
    transform: translateY(-1px) scale(1.03);
}

.btn-white {
    background: var(--white);
    color: var(--navy-800);
}
.btn-white:hover {
    background: var(--gray-100);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
}

.btn-large {
    padding: var(--space-4) var(--space-8);
    font-size: 1rem;
}

.btn-block {
    width: 100%;
}

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.78);
    -webkit-backdrop-filter: blur(14px);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--teal-500);
    box-shadow: 0 1px 2px rgba(15, 23, 42, 0.04);
}

.header-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    gap: var(--space-8);
}

.logo {
    display: inline-flex;
    align-items: center;
    padding: var(--space-2) 0;
    border-radius: var(--radius-md);
    transition: opacity var(--transition-fast);
}

.logo:hover {
    opacity: 0.85;
}

.logo img {
    height: 56px;
    width: auto;
    max-width: none;
    max-height: none;
    display: block;
    object-fit: contain;
}

.nav-menu {
    display: flex;
    gap: var(--space-1);
}

.nav-link {
    display: inline-flex;
    align-items: center;
    min-height: 48px;
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-md);
    font-weight: 500;
    color: var(--gray-600);
    transition: all var(--transition-fast);
}
.nav-link:hover {
    background: var(--gray-100);
    color: var(--gray-900);
}

.header-actions {
    display: flex;
    align-items: center;
    gap: var(--space-3);
}

.site-header .header-actions .btn {
    padding: var(--space-3) var(--space-6);
    font-size: 0.95rem;
}

/* Mobile menu toggle (hamburger) */
.mobile-menu-toggle {
    display: none; /* shown on mobile */
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: var(--radius-xl);
    border: 1px solid rgba(148, 163, 184, 0.3);
    background: rgba(255, 255, 255, 0.72);
    -webkit-backdrop-filter: blur(14px);
    backdrop-filter: blur(14px);
    box-shadow: 0 1px 2px rgba(15, 23, 42, 0.08);
    cursor: pointer;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.mobile-menu-toggle:hover {
    transform: translateY(-1px) scale(1.05);
    border-color: rgba(0, 212, 170, 0.28);
    box-shadow: 0 0 20px rgba(0, 212, 170, 0.25);
}

.mobile-menu-toggle:active {
    transform: translateY(0) scale(0.95);
}

.hamburger {
    display: grid;
    gap: 5px;
}

.hamburger-bar {
    width: 18px;
    height: 2px;
    background: var(--gray-900);
    border-radius: 999px;
}

/* Mobile slide-out panel */
.mobile-nav-overlay {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.55);
    opacity: 0;
    pointer-events: none;
    transition: opacity var(--transition-base);
    z-index: 120;
}

.mobile-nav-panel {
    position: fixed;
    top: 0;
    right: 0;
    height: 100vh;
    width: min(340px, 90vw);
    background: rgba(10, 22, 40, 0.92);
    -webkit-backdrop-filter: blur(18px);
    backdrop-filter: blur(18px);
    border-left: 1px solid rgba(0, 212, 170, 0.18);
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.35);
    transform: translateX(110%);
    transition: transform var(--transition-base);
    z-index: 130;
    color: rgba(255, 255, 255, 0.92);
    display: flex;
    flex-direction: column;
}

.mobile-nav-panel[aria-hidden="true"] {
    visibility: hidden;
}

body.mobile-nav-open {
    overflow: hidden;
}

body.mobile-nav-open .mobile-nav-overlay {
    opacity: 1;
    pointer-events: auto;
}

body.mobile-nav-open .mobile-nav-panel {
    transform: translateX(0);
}

.mobile-nav-panel-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-6);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.mobile-nav-brand {
    font-weight: 700;
    letter-spacing: -0.02em;
    color: rgba(255, 255, 255, 0.96);
}

.mobile-nav-close {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-xl);
    border: 1px solid rgba(255, 255, 255, 0.12);
    background: rgba(255, 255, 255, 0.06);
    color: rgba(255, 255, 255, 0.95);
    cursor: pointer;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.mobile-nav-close:hover {
    transform: translateY(-1px) scale(1.05);
    border-color: rgba(0, 212, 170, 0.22);
    box-shadow: 0 0 20px rgba(0, 212, 170, 0.25);
}

.mobile-nav-close:active {
    transform: translateY(0) scale(0.95);
}

.close-x {
    position: relative;
    display: inline-block;
    width: 18px;
    height: 18px;
}

.close-bar {
    position: absolute;
    top: 50%;
    left: 50%;
    width: 18px;
    height: 2px;
    background: rgba(255, 255, 255, 0.92);
    border-radius: 999px;
    transform-origin: center;
}

.close-bar:first-child { transform: translate(-50%, -50%) rotate(45deg); }
.close-bar:last-child { transform: translate(-50%, -50%) rotate(-45deg); }

.mobile-nav-panel-body {
    padding: var(--space-4) var(--space-6) var(--space-8);
    overflow: auto;
}

.mobile-nav-list {
    display: grid;
    gap: var(--space-2);
}

.mobile-nav-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: var(--space-4) var(--space-4);
    min-height: 48px;
    border-radius: var(--radius-xl);
    border: 1px solid rgba(255, 255, 255, 0.08);
    background: rgba(255, 255, 255, 0.04);
    color: rgba(255, 255, 255, 0.92);
    font-weight: 600;
    transition: transform var(--transition-fast), border-color var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
}

.mobile-nav-link:hover {
    transform: translateY(-1px);
    border-color: rgba(0, 212, 170, 0.24);
    box-shadow: 0 0 20px rgba(0, 212, 170, 0.18);
    background: rgba(255, 255, 255, 0.06);
}

.mobile-nav-link:active { transform: translateY(0) scale(0.98); }

.mobile-nav-link-secondary {
    font-weight: 600;
    color: rgba(255, 255, 255, 0.88);
}

@media (max-width: 768px) {
    .main-nav { display: none; }
    .mobile-menu-toggle { display: inline-flex; }
    /* Keep Apply always visible; move Log In into slide-out */
    .header-actions .btn-ghost { display: none; }
    .header-container { height: 64px; }
    .logo img { height: 44px; }
}

@media (max-width: 420px) {
    .container { padding: 0 var(--space-4); }
    .header-container { gap: var(--space-4); }
    .logo img { height: 44px; }
    .header-actions { gap: var(--space-2); }
    .header-actions .btn { padding: var(--space-2) var(--space-4); font-size: 0.875rem; }
}

/* Hero */
.hero {
    position: relative;
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 55%, #0B1B33 100%);
    color: var(--white);
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    overflow: hidden;
}

.hero-bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(1200px 600px at 15% 10%, rgba(0, 212, 170, 0.12) 0%, rgba(0, 212, 170, 0) 55%);
    pointer-events: none;
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }

    /* Kill all animations */
    .btn-pulse { animation: none; }
    .hero-content > * { animation: none; }
    .hero-photo img { animation: none; }
    .hero-stats { animation: none; }

    /* Kill all transitions globally for interactive elements */
    .logo,
    .btn,
    .nav-link,
    .mobile-nav-overlay,
    .mobile-nav-panel,
    .mobile-menu-toggle,
    .mobile-nav-close,
    .mobile-nav-link,
    .trust-item,
    .trust-item-icon,
    .feature-card,
    .state-card,
    .faq-card,
    .hero-cta .btn svg,
    .footer-contact-info a,
    .footer-col a,
    .states-licensing-link a,
    .license-card,
    .license-doc-link { transition: none; }

    /* Prevent all hover transforms from causing motion */
    .btn-primary:hover,
    .btn-accent:hover,
    .btn-ghost:hover,
    .btn-white:hover,
    .logo:hover,
    .state-card:hover,
    .state-card:active,
    .feature-card:hover,
    .faq-card:hover,
    .trust-item--linked:active,
    .mobile-menu-toggle:hover,
    .mobile-menu-toggle:active,
    .mobile-nav-close:hover,
    .mobile-nav-close:active,
    .mobile-nav-link:hover,
    .mobile-nav-link:active,
    .btn:active,
    .license-card:hover { transform: none; }
}

.hero-curve {
    position: absolute;
    bottom: -2px;
    left: 0;
    right: 0;
    height: 120px;
    background: var(--white);
    border-radius: 50% 50% 0 0 / 100% 100% 0 0;
}

.hero-curve::before {
    content: '';
    position: absolute;
    top: -200px;
    right: -100px;
    width: 500px;
    height: 500px;
    background: var(--navy-700);
    border-radius: 50%;
    opacity: 0.5;
}

.hero-curve::after {
    content: '';
    position: absolute;
    top: -100px;
    left: -50px;
    width: 300px;
    height: 300px;
    background: var(--navy-700);
    border-radius: 50%;
    opacity: 0.3;
}

.hero-container {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: var(--space-12);
    align-items: center;
    padding: var(--space-16) 0 var(--space-24);
    min-height: 600px;
}

@media (max-width: 900px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
        padding: var(--space-12) 0 var(--space-20);
        min-height: auto;
    }
    .hero-visual {
        display: none;
    }
}

.hero-eyebrow {
    display: inline-block;
    padding: var(--space-1) var(--space-3);
    background: rgba(255,255,255,0.1);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--teal-400);
    margin-bottom: var(--space-4);
}

.hero h1 {
    font-size: 3rem;
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: var(--space-4);
    letter-spacing: 0;
    color: var(--white);
}

@media (min-width: 768px) {
    .hero h1 { font-size: 3.5rem; }
}

.hero-subtitle {
    font-size: 1.125rem;
    color: var(--gray-300);
    margin-bottom: var(--space-8);
    max-width: 500px;
}

@media (max-width: 900px) {
    .hero-subtitle { margin-left: auto; margin-right: auto; }
}

.hero-cta-box {
    margin-bottom: var(--space-8);
}

.hero-cta-note {
    margin-top: var(--space-3);
    font-size: 0.875rem;
    color: var(--gray-400);
}

.apply-hero {
    border-top: 3px solid var(--teal-500);
}

.apply-hero .hero-container {
    min-height: 520px;
    padding: var(--space-12) 0 var(--space-16);
}

.apply-hero .hero-subtitle {
    color: var(--gray-100);
}

.apply-hero .hero-cta-note {
    color: var(--gray-200);
}

.apply-hero .hero-eyebrow {
    background: rgba(18, 181, 166, 0.16);
    color: var(--teal-400);
}

@media (max-width: 900px) {
    .apply-hero .hero-container {
        padding: var(--space-12) 0 var(--space-16);
    }
}

.hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-6);
    color: var(--gray-100);
}

@media (max-width: 900px) {
    .hero-features { justify-content: center; }
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    font-size: 0.9375rem;
    color: var(--gray-100);
    font-weight: 500;
}

.hero-feature svg {
    color: var(--teal-400);
}

/* Loan Card */
.loan-card {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: var(--space-6);
    color: var(--gray-800);
    box-shadow: var(--shadow-xl);
}

.loan-card-header {
    margin-bottom: var(--space-2);
}

.loan-card-label {
    font-size: 0.875rem;
    color: var(--gray-500);
}

.loan-card-amount {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--navy-800);
    margin-bottom: var(--space-4);
}

.loan-card-details {
    border-top: 1px solid var(--gray-200);
    padding-top: var(--space-4);
    margin-bottom: var(--space-6);
}

.loan-card-row {
    display: flex;
    justify-content: space-between;
    padding: var(--space-2) 0;
    font-size: 0.9375rem;
}

.loan-card-row span {
    color: var(--gray-500);
}

.loan-card-row strong {
    color: var(--gray-800);
}

/* ================================
   HOMEPAGE HERO (.hero-section)
   ================================ */
.hero-section {
    background:
        linear-gradient(155deg, rgba(18, 181, 166, 0.18) 0%, transparent 40%),
        linear-gradient(to bottom right, transparent 30%, rgba(7, 30, 51, 0.7) 100%),
        linear-gradient(135deg, var(--brand-primary-light) 0%, var(--brand-primary) 40%, var(--brand-primary-dark) 100%);
    padding: var(--space-24) 0 var(--space-20);
    position: relative;
    overflow: hidden;
    border-top: 3px solid var(--brand-accent);
}

.hero-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.07) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.07) 1px, transparent 1px);
    background-size: 48px 48px;
    pointer-events: none;
    mask-image: radial-gradient(ellipse 80% 90% at 50% 45%, black 20%, transparent 70%);
    -webkit-mask-image: radial-gradient(ellipse 80% 90% at 50% 45%, black 20%, transparent 70%);
}

.hero-section::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 60px;
    background: var(--white);
    clip-path: ellipse(55% 100% at 50% 100%);
    z-index: 1;
}

.hero-glow {
    position: absolute;
    pointer-events: none;
    border-radius: 50%;
}

.hero-glow--right {
    top: -20%;
    right: -5%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(18, 181, 166, 0.35) 0%, rgba(18, 181, 166, 0.12) 35%, transparent 65%);
    filter: blur(60px);
}

.hero-glow--left {
    bottom: -20%;
    left: -5%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(33, 150, 243, 0.2) 0%, rgba(33, 150, 243, 0.06) 40%, transparent 65%);
    filter: blur(50px);
}

.hero-section .container {
    position: relative;
    max-width: 1200px;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
    align-items: center;
}

.hero-content {
    text-align: left;
}

.hero-photo {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-photo img {
    width: 100%;
    max-width: 520px;
    height: auto;
    border-radius: var(--radius-2xl);
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3), 0 0 40px rgba(18, 181, 166, 0.15);
    border: 2px solid rgba(255, 255, 255, 0.1);
    object-fit: cover;
}

@media (max-width: 900px) {
    .hero-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }
    .hero-content { text-align: center; }
    .hero-photo { order: -1; }
    .hero-photo img { max-width: 400px; }
    .hero-lead { margin-left: auto; margin-right: auto; }
}

@media (max-width: 600px) {
    .hero-photo img { max-width: 320px; }
}

.hero-section h1 {
    font-size: clamp(2rem, 5vw, 3.25rem);
    line-height: 1.12;
    font-weight: 800;
    letter-spacing: -0.025em;
    color: var(--white);
    margin-bottom: var(--space-5);
}

.hero-accent {
    color: var(--brand-accent);
    position: relative;
}

.hero-accent::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--brand-accent-light), rgba(18, 181, 166, 0.2));
    border-radius: 2px;
    box-shadow: 0 0 12px rgba(18, 181, 166, 0.5);
}

.hero-lead {
    font-size: 1.1875rem;
    color: rgba(255, 255, 255, 0.78);
    margin-bottom: var(--space-8);
    line-height: 1.65;
    max-width: 480px;
}

.hero-cta {
    margin-bottom: var(--space-5);
}

.hero-cta .btn {
    padding: var(--space-5) var(--space-12);
    font-size: 1.125rem;
    border-radius: var(--radius-xl);
    box-shadow: 0 0 40px rgba(18, 181, 166, 0.4), 0 4px 20px rgba(0, 0, 0, 0.25);
}

.hero-cta .btn:hover {
    box-shadow: 0 0 60px rgba(18, 181, 166, 0.55), 0 8px 30px rgba(0, 0, 0, 0.3);
}

.hero-cta .btn svg {
    width: 1.125rem;
    height: 1.125rem;
    transition: transform var(--transition-fast);
}

.hero-cta .btn:hover svg {
    transform: translateX(3px);
}

.hero-note {
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.8125rem;
    margin: 0;
}

.hero-stats {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: var(--space-8);
    margin-top: var(--space-12);
    padding: var(--space-6) var(--space-8);
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-2xl);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2), inset 0 1px 0 rgba(255, 255, 255, 0.1);
}

.hero-stat {
    text-align: center;
}

.hero-stat-value {
    display: block;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--brand-accent-light);
    margin-bottom: var(--space-1);
    line-height: 1;
    text-shadow: 0 0 20px rgba(18, 181, 166, 0.4);
}

.hero-stat-label {
    display: block;
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.7);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.hero-stat-divider {
    width: 1px;
    height: 2.5rem;
    background: linear-gradient(to bottom, transparent, rgba(18, 181, 166, 0.4), transparent);
}

@media (max-width: 600px) {
    .hero-section { padding: var(--space-16) 0 var(--space-12); }
    .hero-stat-divider { display: none; }
    .hero-stats { gap: var(--space-6); }
}

@keyframes heroFadeUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-content > * {
    animation: heroFadeUp 0.5s ease-out both;
}

.hero-content > :nth-child(2) { animation-delay: 0.06s; }
.hero-content > :nth-child(3) { animation-delay: 0.12s; }
.hero-content > :nth-child(4) { animation-delay: 0.18s; }

.hero-photo img {
    animation: heroFadeUp 0.6s ease-out 0.15s both;
}

.hero-stats {
    animation: heroFadeUp 0.5s ease-out 0.3s both;
}

/* Credential Bar */
.trust-bar {
    padding: var(--space-10) 0;
    background: var(--white);
    border-top: 2px solid var(--brand-accent);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
    position: relative;
    z-index: 2;
}

.trust-items {
    display: flex;
    justify-content: center;
    gap: var(--space-4);
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    padding: var(--space-4) var(--space-6);
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-fast);
}

.trust-item:hover {
    border-color: var(--brand-accent);
    box-shadow: 0 4px 12px rgba(18, 181, 166, 0.12);
    background: var(--white);
}

.trust-item-icon {
    flex-shrink: 0;
    width: 42px;
    height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--brand-primary);
    border-radius: var(--radius-lg);
    color: var(--brand-accent);
    box-shadow: 0 2px 8px rgba(11, 46, 79, 0.3);
}

.trust-item:hover .trust-item-icon {
    background: var(--brand-primary-light);
}

.trust-number {
    display: block;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--gray-900);
    line-height: 1.2;
}

.trust-label {
    display: block;
    font-size: 0.75rem;
    color: var(--gray-500);
    margin-top: 0;
    line-height: 1.3;
}

.trust-item--linked {
    text-decoration: none;
    cursor: pointer;
}

.trust-item--linked:hover .trust-number {
    color: var(--brand-accent-dark);
}

.trust-item--linked:active {
    transform: scale(0.97);
    box-shadow: var(--shadow-sm);
}

@media (max-width: 900px) {
    .trust-items {
        gap: var(--space-3);
    }
    .trust-item {
        flex: 1 1 calc(50% - var(--space-3));
        min-width: 180px;
    }
}

@media (max-width: 480px) {
    .trust-item {
        flex: 1 1 100%;
    }
}

/* Section Headers */
.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto var(--space-12);
}

.section-header h2 {
    font-size: 2rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: var(--space-3);
}

.section-header p {
    font-size: 1.0625rem;
    color: var(--gray-500);
}

.section-header-light h2 {
    color: var(--white);
}

.section-header-light p {
    color: var(--gray-400);
}

/* Features Section */
.features-section {
    padding: var(--space-20) 0;
    background: var(--gray-50);
    border-top: 1px solid var(--gray-200);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: var(--space-6);
}

.feature-card {
    padding: var(--space-6);
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    border-left: 4px solid var(--brand-accent);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-base);
}

.feature-card:hover {
    background: var(--white);
    box-shadow: var(--shadow-lg);
    border-left-color: var(--brand-accent-light);
    transform: translateY(-4px);
}

.feature-icon {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--navy-800);
    color: var(--teal-400);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-4);
}

.feature-card h3 {
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: var(--space-2);
}

.feature-card p {
    font-size: 0.9375rem;
    color: var(--gray-500);
    line-height: 1.6;
}

/* How It Works */
.how-it-works {
    padding: var(--space-20) 0;
    background: var(--navy-800);
    color: var(--white);
}

.steps {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    gap: var(--space-2);
    flex-wrap: wrap;
    margin-bottom: var(--space-12);
}

.step {
    flex: 1;
    min-width: 200px;
    max-width: 250px;
    text-align: center;
    padding: var(--space-4);
}

.step-number {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--teal-500);
    color: var(--navy-900);
    border-radius: 50%;
    font-size: 1.375rem;
    font-weight: 800;
    margin: 0 auto var(--space-4);
    box-shadow: 0 0 20px rgba(18, 181, 166, 0.35), 0 4px 12px rgba(0, 0, 0, 0.2);
}

.step h3 {
    font-size: 1.0625rem;
    font-weight: 600;
    margin-bottom: var(--space-2);
}

.step p {
    font-size: 0.875rem;
    color: var(--gray-400);
    line-height: 1.5;
}

.step-connector {
    width: 60px;
    height: 2px;
    background: var(--navy-600);
    margin-top: 24px;
    flex-shrink: 0;
}

@media (max-width: 800px) {
    .step-connector { display: none; }
    .steps { flex-direction: column; align-items: center; }
}

.section-cta {
    text-align: center;
}

/* States Section */
.states-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: var(--space-4);
    max-width: 800px;
    margin: 0 auto;
}

.state-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: var(--space-5);
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-fast);
}

.state-card:hover {
    border-color: var(--brand-accent);
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(18, 181, 166, 0.15);
}

.state-card:active {
    transform: translateY(0) scale(0.97);
    box-shadow: var(--shadow-sm);
}

.states-grid .state-abbr {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-800);
}

.states-grid .state-name {
    font-size: 0.875rem;
    color: var(--gray-500);
}

/* FAQ Snippet */
.faq-snippet {
    padding: var(--space-20) 0;
    background: var(--white);
    border-top: 1px solid var(--gray-200);
}

.faq-snippet .container {
    max-width: 900px;
}

.faq-snippet .section-header {
    text-align: center;
    margin-bottom: var(--space-10);
}

.faq-snippet .section-header p {
    color: var(--gray-500);
}

.faq-snippet .section-header a {
    color: var(--blue-600);
    text-decoration: underline;
}

.faq-grid {
    display: grid;
    gap: var(--space-4);
}

.faq-card {
    padding: var(--space-6);
    border: 1px solid var(--gray-200);
    border-left: 4px solid var(--brand-primary);
    border-radius: var(--radius-xl);
    background: var(--gray-50);
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
}

.faq-card:hover {
    border-color: var(--gray-300);
    border-left-color: var(--brand-accent);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
    background: var(--white);
}

.faq-card h3 {
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: var(--space-2);
}

.faq-card p {
    font-size: 0.9375rem;
    color: var(--gray-500);
    line-height: 1.6;
    margin: 0;
}

/* Features Section CTA */
.features-section .section-cta {
    text-align: center;
    margin-top: var(--space-12);
}

/* States Licensing Link */
.states-licensing-link {
    text-align: center;
    margin-top: var(--space-8);
    font-size: 0.875rem;
    color: var(--gray-500);
}

.states-licensing-link strong {
    color: var(--gray-700);
}

.states-licensing-link a {
    color: var(--teal-800);
    text-decoration: underline;
}

.states-licensing-link a:hover {
    color: var(--teal-600);
}

/* States section inset */
.states-section {
    padding: var(--space-20) 0;
    background: var(--gray-50);
    box-shadow: inset 0 1px 0 var(--gray-200);
}

/* Final CTA */
.final-cta {
    padding: var(--space-24) 0;
    background: linear-gradient(135deg, var(--brand-primary-light) 0%, var(--brand-primary) 50%, var(--brand-primary-dark) 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
    border-top: 3px solid var(--brand-accent);
}

.final-cta::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(18, 181, 166, 0.2) 0%, transparent 60%);
    filter: blur(40px);
    pointer-events: none;
}

.final-cta-content h2 {
    font-size: 2rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: var(--space-3);
}

.final-cta-content p {
    font-size: 1.0625rem;
    color: var(--gray-400);
    margin-bottom: var(--space-6);
}

/* Licensing & Trust (Phase 2) */
.licensing-trust {
    padding: var(--space-16) 0;
    background: var(--gray-50);
    border-top: 1px solid var(--gray-200);
}

.licensing-intro {
    text-align: center;
    max-width: 720px;
    margin: 0 auto var(--space-12);
}

.licensing-intro h2 {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: var(--space-3);
}

@media (min-width: 768px) {
    .licensing-intro h2 { font-size: 2rem; }
}

.licensing-subtitle {
    font-size: 1rem;
    color: var(--gray-600);
    line-height: 1.7;
}

.licensing-states-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-12);
}

@media (min-width: 640px) {
    .licensing-states-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-6);
    }
}

@media (min-width: 1024px) {
    .licensing-states-grid { grid-template-columns: repeat(3, 1fr); }
}

.licensing-state-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: var(--space-6);
    transition: all var(--transition-base);
    min-width: 0;
}

.licensing-state-card:hover {
    border-color: var(--blue-500);
    box-shadow: var(--shadow-md);
}

.state-card-header {
    display: flex;
    align-items: baseline;
    gap: var(--space-2);
    margin-bottom: var(--space-2);
}

.licensing-state-card .state-abbr {
    font-size: 1.125rem;
    font-weight: 800;
    color: var(--navy-800);
}

.licensing-state-card .state-name {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--gray-900);
    line-height: 1.2;
}

.state-summary {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-bottom: var(--space-4);
}

.state-documents { margin-top: var(--space-2); }

.state-documents-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: var(--space-3) var(--space-4);
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gray-700);
    cursor: pointer;
    list-style: none;
    transition: all var(--transition-fast);
    min-height: 48px; /* touch target */
}

.state-documents-toggle::-webkit-details-marker { display: none; }

.state-documents-toggle:hover {
    background: var(--gray-100);
    border-color: var(--blue-500);
}

.toggle-icon {
    display: inline-block;
    color: var(--gray-500);
    transition: transform var(--transition-fast);
}

.state-documents[open] .toggle-icon { transform: rotate(90deg); }

.state-documents[open] .state-documents-toggle {
    border-bottom-left-radius: 0;
    border-bottom-right-radius: 0;
    border-bottom-color: transparent;
}

.state-documents-list {
    margin: 0;
    padding: var(--space-2);
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-top: none;
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}

.state-documents-list li { list-style: none; }

.doc-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-4);
    padding: var(--space-3) var(--space-4);
    border-radius: var(--radius-md);
    text-decoration: none;
    transition: background var(--transition-fast);
    min-height: 48px;
}

.doc-link:hover { background: var(--gray-50); }

.doc-title {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gray-900);
}

.doc-type {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--gray-600);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    padding: var(--space-1) var(--space-2);
    background: var(--gray-100);
    border-radius: var(--radius-sm);
    flex-shrink: 0;
}

.licensing-trust-message {
    text-align: center;
    padding-top: var(--space-8);
    border-top: 1px solid var(--gray-200);
}

.trust-copy {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.6;
}

.trust-copy strong {
    color: var(--gray-900);
    font-weight: 700;
}

.trust-copy a {
    color: var(--teal-800);
    text-decoration: underline;
}

.trust-copy a:hover { color: var(--teal-600); }

@media (prefers-reduced-motion: reduce) {
    .licensing-state-card,
    .state-documents-toggle,
    .toggle-icon,
    .doc-link { transition: none; }
}

/* Footer */
.site-footer {
    background: var(--gray-900);
    color: var(--gray-400);
    padding: var(--space-16) 0 var(--space-8);
}

.footer-grid {
    display: grid;
    grid-template-columns: minmax(260px, 0.9fr) minmax(0, 2fr);
    align-items: start;
    gap: var(--space-12);
    margin-bottom: var(--space-12);
}

@media (max-width: 768px) {
    .footer-grid { grid-template-columns: 1fr; }
}

.footer-brand .logo {
    display: inline-block;
    margin-bottom: var(--space-4);
}

.footer-brand .logo img {
    height: 32px;
    width: auto;
    display: block;
}

/* Footer brand mark (image, Corporation wordmark) */
.footer-brandmark {
    display: inline-block;
    margin-bottom: var(--space-4);
    padding: 0;
    border: 0;
    background: transparent;
    text-decoration: none;
    line-height: 0;
}

.footer-brandmark img {
    height: 44px;
    width: auto;
    display: block;
}

@media (max-width: 640px) {
    .footer-brandmark img {
        height: 40px;
    }
}

.footer-brand p {
    font-size: 0.9375rem;
    margin-bottom: var(--space-4);
}

.footer-contact-info {
    font-size: 0.875rem;
    line-height: 1.8;
}

.footer-contact-info a {
    color: var(--gray-300);
    transition: color var(--transition-fast);
}

.footer-contact-info a:hover {
    color: var(--white);
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    align-items: start;
    gap: var(--space-8);
}

@media (max-width: 600px) {
    .footer-links { grid-template-columns: 1fr 1fr; }
}

.footer-col h4 {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--white);
    margin-bottom: var(--space-4);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.footer-col {
    min-width: 0;
}

.footer-col ul {
    display: flex;
    flex-direction: column;
    gap: var(--space-2);
}

.footer-col a {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
    font-size: 0.875rem;
    color: var(--gray-400);
    transition: color var(--transition-fast);
}

.footer-col a:hover {
    color: var(--white);
}

.footer-legal {
    padding: var(--space-6) 0;
    border-top: 1px solid var(--gray-800);
    font-size: 0.8125rem;
    line-height: 1.7;
    color: var(--gray-500);
}

/* Footer trust badges */
.footer-trust-badges {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    flex-wrap: wrap;
    margin-top: var(--space-4);
}

.ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-2) var(--space-3);
    border-radius: var(--radius-lg);
    border: 1px solid rgba(255, 255, 255, 0.12);
    background: rgba(255, 255, 255, 0.04);
    color: rgba(255, 255, 255, 0.9);
    font-size: 0.8125rem;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.ehl-badge svg {
    width: 22px;
    height: 22px;
    color: var(--teal-400);
}

.footer-legal p {
    margin-bottom: var(--space-3);
}

.footer-bottom {
    padding-top: var(--space-6);
    border-top: 1px solid var(--gray-800);
    font-size: 0.8125rem;
    color: var(--gray-500);
}

/* Loan Licenses */
.licenses-hero {
    min-height: auto;
    padding: var(--space-16) 0 var(--space-20);
}

.licenses-hero-content {
    position: relative;
    text-align: center;
    max-width: 720px;
}

.licenses-hero-content .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
}

.licenses-hub {
    padding: var(--space-20) 0;
    background: var(--white);
}

.licenses-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: var(--space-6);
}

.license-card {
    padding: var(--space-6);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    background: var(--gray-50);
    transition: all var(--transition-base);
}

.license-card:hover {
    background: var(--white);
    border-color: var(--blue-500);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.license-card-header {
    display: flex;
    align-items: baseline;
    gap: var(--space-2);
    margin-bottom: var(--space-3);
}

.license-card-abbr {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy-800);
}

.license-card-name {
    font-size: 1rem;
    font-weight: 600;
    color: var(--gray-900);
}

.license-card-summary {
    font-size: 0.9375rem;
    color: var(--gray-500);
    margin-bottom: var(--space-4);
}

.license-card-meta {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--blue-600);
}

.licenses-help {
    padding: var(--space-16) 0;
    background: var(--gray-50);
}

.licenses-help-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-6);
    flex-wrap: wrap;
}

.licenses-help-content h2 {
    font-size: 1.75rem;
    color: var(--gray-900);
    margin-bottom: var(--space-2);
}

.licenses-help-content p {
    color: var(--gray-500);
}

.licenses-help-actions {
    display: flex;
    gap: var(--space-3);
    flex-wrap: wrap;
}

.license-state-section {
    padding: var(--space-20) 0;
    background: var(--white);
}

.license-state-header {
    display: flex;
    justify-content: space-between;
    gap: var(--space-8);
    flex-wrap: wrap;
    margin-bottom: var(--space-10);
}

.license-eyebrow {
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
    color: var(--teal-800);
    margin-bottom: var(--space-2);
    font-weight: 600;
}

.license-state-summary {
    color: var(--gray-500);
    max-width: 560px;
}

.license-state-meta {
    display: grid;
    gap: var(--space-4);
    background: var(--gray-50);
    padding: var(--space-5);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    min-width: 220px;
}

.license-meta-label {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--gray-500);
}

.license-meta-value {
    font-size: 1rem;
    font-weight: 600;
    color: var(--gray-900);
}

.license-docs-section h3 {
    font-size: 1.25rem;
    color: var(--gray-900);
    margin-bottom: var(--space-4);
}

.license-docs {
    display: grid;
    gap: var(--space-3);
    margin-bottom: var(--space-4);
}

.license-docs li {
    list-style: none;
}

.license-doc-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-4) var(--space-5);
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    transition: all var(--transition-base);
}

.license-doc-link:hover {
    background: var(--white);
    border-color: var(--blue-500);
    box-shadow: var(--shadow-sm);
}

.license-doc-title {
    font-weight: 600;
    color: var(--gray-900);
}

.license-doc-meta {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.license-docs-empty {
    color: var(--gray-500);
    background: var(--gray-50);
    border: 1px dashed var(--gray-300);
    padding: var(--space-5);
    border-radius: var(--radius-lg);
}

.license-notes {
    background: var(--gray-50);
    border-left: 4px solid var(--teal-500);
    padding: var(--space-4) var(--space-5);
    border-radius: var(--radius-lg);
    color: var(--gray-600);
}

.license-notes p + p {
    margin-top: var(--space-3);
}

.license-contact {
    margin-top: var(--space-10);
    display: flex;
    justify-content: space-between;
    gap: var(--space-8);
    flex-wrap: wrap;
    padding: var(--space-6);
    background: var(--navy-800);
    color: var(--white);
    border-radius: var(--radius-2xl);
}

.license-contact a {
    color: var(--teal-400);
}

.licenses-back {
    padding: var(--space-16) 0;
    background: var(--gray-50);
}

.licenses-back-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-6);
    flex-wrap: wrap;
}

.licenses-back-content h3 {
    font-size: 1.5rem;
    color: var(--gray-900);
    margin-bottom: var(--space-2);
}

/* ================================================================
   HOMEPAGE V2 — Photo-forward design (from prototype v5)
   New class names so existing pages are unaffected.
   ================================================================ */

/* --- Transparent header variant (homepage only) --- */
.site-header--transparent {
    position: absolute;
    top: 0; left: 0; right: 0;
    z-index: 100;
    background: transparent;
    border-bottom: none;
    box-shadow: none;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
}

.site-header--transparent .nav-link {
    color: rgba(255,255,255,0.8);
}
.site-header--transparent .nav-link:hover {
    color: var(--white);
    background: rgba(255,255,255,0.1);
}
.site-header--transparent .btn-ghost {
    color: rgba(255,255,255,0.9);
}
.site-header--transparent .btn-ghost:hover {
    background: rgba(255,255,255,0.1);
}

/* --- Hero V2 (full-bleed photo bg) --- */
.hero-v2 {
    position: relative;
    min-height: clamp(640px, 72vh, 760px);
    display: flex;
    align-items: flex-start;
    overflow: hidden;
}

.hero-v2-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-v2-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 30%;
}

.hero-v2-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(7, 30, 53, 0.92) 0%,
        rgba(11, 46, 79, 0.85) 40%,
        rgba(11, 46, 79, 0.6) 100%
    );
    z-index: 1;
}

.hero-v2 .hero-glow {
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    filter: blur(120px);
    pointer-events: none;
    z-index: 2;
}

.hero-v2 .hero-glow--teal {
    background: var(--teal-500);
    top: -100px;
    right: -100px;
    opacity: 0.15;
}

.hero-v2 .hero-glow--blue {
    background: var(--blue-500);
    bottom: -150px;
    left: -100px;
    opacity: 0.1;
}

.hero-v2 .container {
    position: relative;
    z-index: 3;
    padding-top: 40px;
    padding-bottom: 36px;
}

.hero-v2-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-v2-content h1 {
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    font-weight: 700;
    line-height: 1.15;
    color: var(--white);
    margin-bottom: 20px;
}

.hero-v2 .hero-accent {
    background: linear-gradient(135deg, var(--teal-500) 0%, var(--teal-400) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-v2 .hero-accent::after {
    display: none;
}

.hero-v2-lead {
    font-size: 1.2rem;
    color: rgba(255,255,255,0.75);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 520px;
}

.hero-v2-cta {
    display: flex;
    gap: 16px;
    align-items: center;
    flex-wrap: wrap;
}

.hero-v2-note {
    margin-top: 16px;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
}

.hero-v2-note svg {
    vertical-align: middle;
    margin-right: 4px;
}

/* Hero photo card */
.hero-photo-card {
    position: relative;
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: 0 24px 64px rgba(0,0,0,0.4);
    border: 1px solid rgba(255,255,255,0.1);
}

.hero-photo-card img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    display: block;
}

.hero-photo-badge {
    position: absolute;
    bottom: 20px;
    left: 20px;
    right: 20px;
    background: rgba(7, 30, 53, 0.85);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    border-radius: var(--radius-lg);
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 16px;
    border: 1px solid rgba(255,255,255,0.1);
}

.badge-icon {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--teal-500), var(--teal-400));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.badge-icon svg { color: var(--navy-900); }

.badge-text { color: var(--white); }
.badge-text strong { display: block; font-size: 0.95rem; }
.badge-text span { font-size: 0.8rem; color: rgba(255,255,255,0.6); }

/* Hero V2 stats bar */
.hero-v2-stats {
    display: flex;
    justify-content: center;
    gap: 48px;
    margin-top: 32px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
    grid-column: 1 / -1;
}

/* --- Trust bar V2 styling --- */
.trust-bar .trust-icon {
    width: 36px;
    height: 36px;
    background: rgba(18, 181, 166, 0.15);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal-500);
    flex-shrink: 0;
}

/* --- Features split layout (photo + list) --- */
.features-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.features-photo {
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(0,0,0,0.08);
}

.features-photo img {
    width: 100%;
    height: 500px;
    object-fit: cover;
}

.features-list {
    display: flex;
    flex-direction: column;
    gap: 28px;
}

.feature-item {
    display: flex;
    gap: 16px;
    padding: 20px;
    border-radius: var(--radius-lg);
    transition: all var(--transition-base);
}

.feature-item:hover {
    background: var(--gray-50);
}

.feature-icon-box {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, rgba(18,181,166,0.15), rgba(18,181,166,0.05));
    border: 1px solid rgba(18,181,166,0.2);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--teal-500);
}

.feature-text h3 {
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--gray-900);
    margin-bottom: 4px;
}

.feature-text p {
    font-size: 0.95rem;
    color: var(--gray-500);
    line-height: 1.6;
}

/* --- How It Works grid (steps + photo) --- */
.how-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
}

.steps-list {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.step-item {
    display: flex;
    gap: 20px;
    padding: 24px 0;
    position: relative;
}

.step-item:not(:last-child) {
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.step-num {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--teal-500), var(--teal-400));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--navy-900);
    flex-shrink: 0;
}

.step-text h3 {
    font-family: 'DM Sans', 'Inter', sans-serif;
    color: var(--white);
    font-size: 1.05rem;
    font-weight: 600;
    margin-bottom: 4px;
}

.step-text p {
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
    line-height: 1.5;
}

.steps-cta {
    padding-top: 24px;
}

.how-photo {
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: 0 24px 64px rgba(0,0,0,0.3);
    border: 1px solid rgba(255,255,255,0.1);
}

.how-photo img {
    width: 100%;
    height: 480px;
    object-fit: cover;
}

/* --- Lifestyle photo strip --- */
.lifestyle-strip {
    padding: 60px 0;
    background: var(--gray-50);
    overflow: hidden;
}

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

.lifestyle-card {
    border-radius: var(--radius-2xl);
    overflow: hidden;
    position: relative;
    height: 280px;
}

.lifestyle-card img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.lifestyle-card:hover img {
    transform: scale(1.05);
}

.lifestyle-card-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    background: linear-gradient(transparent, rgba(7,30,53,0.8));
    padding: 40px 20px 20px;
}

.lifestyle-card-text {
    color: var(--white);
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-weight: 600;
    font-size: 1rem;
}

.lifestyle-card-sub {
    color: rgba(255,255,255,0.7);
    font-size: 0.85rem;
    margin-top: 4px;
}

/* --- FAQ 2-column grid (homepage) --- */
.faq-grid-2col {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    max-width: 900px;
    margin: 0 auto;
}

/* --- States with flag backgrounds --- */
.states-grid-flags {
    display: grid;
    grid-template-columns: repeat(7, 1fr);
    gap: 20px;
    margin-bottom: 32px;
}

.state-card-flag-wrap {
    position: relative;
    border-radius: 16px;
    overflow: hidden;
    text-align: center;
    transition: all 0.4s ease;
    cursor: pointer;
    aspect-ratio: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--gray-200);
    background: var(--white);
    text-decoration: none;
    min-height: 48px;
}

.state-card-flag {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transition: all 0.4s ease;
    opacity: 0.15;
}

.state-card-flag-wrap::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(255,255,255,0.6) 0%, rgba(255,255,255,0.85) 100%);
    z-index: 1;
    transition: all 0.4s ease;
}

.state-card-flag-wrap:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 32px rgba(11, 46, 79, 0.15);
    border-color: var(--teal-500);
}

.state-card-flag-wrap:hover .state-card-flag {
    opacity: 0.35;
    transform: scale(1.1);
}

.state-card-flag-wrap:hover::before {
    background: linear-gradient(180deg, rgba(255,255,255,0.3) 0%, rgba(255,255,255,0.6) 100%);
}

.state-card-flag-wrap .state-abbr {
    display: block;
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--navy-800);
    margin-bottom: 4px;
    position: relative;
    z-index: 2;
}

.state-card-flag-wrap .state-name {
    display: block;
    font-size: 0.8rem;
    color: var(--gray-500);
    position: relative;
    z-index: 2;
    font-weight: 500;
}

.state-card-licensed {
    display: block;
    font-size: 0.65rem;
    color: var(--teal-500);
    position: relative;
    z-index: 2;
    margin-top: 8px;
    opacity: 0;
    transform: translateY(4px);
    transition: all 0.3s ease;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.state-card-flag-wrap:hover .state-card-licensed {
    opacity: 1;
    transform: translateY(0);
}

/* --- Final CTA V2 (photo background) --- */
.final-cta-v2 {
    position: relative;
    padding: 100px 0;
    overflow: hidden;
}

.final-cta-v2-bg {
    position: absolute;
    inset: 0;
}

.final-cta-v2-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.final-cta-v2-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(7, 30, 53, 0.93) 0%,
        rgba(11, 46, 79, 0.88) 100%
    );
}

.final-cta-v2 .container {
    position: relative;
    z-index: 2;
}

.final-cta-v2-content {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
}

.final-cta-v2-content h2 {
    font-family: 'DM Sans', 'Inter', sans-serif;
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
}

.final-cta-v2-content p {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 32px;
    line-height: 1.7;
}

/* --- Button outline variant --- */
.btn-outline {
    background: transparent;
    color: var(--teal-500);
    border: 2px solid var(--teal-500);
    padding: var(--space-3) var(--space-6);
    min-height: 48px;
}

.btn-outline:hover {
    background: var(--teal-500);
    color: var(--navy-900);
}

/* ================================================================
   MOBILE RESPONSIVENESS
   ================================================================ */

/* 48px minimum touch targets */
.footer-col a {
    min-height: 48px;
}

/* Tablets */
@media (max-width: 1024px) {
    .hero-v2-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .hero-photo-card {
        max-width: 500px;
        margin: 0 auto;
    }
    .features-split {
        grid-template-columns: 1fr;
    }
    .features-photo {
        order: -1;
    }
    .features-photo img {
        height: 350px;
    }
    .how-grid {
        grid-template-columns: 1fr;
    }
    .how-photo {
        max-width: 500px;
        margin: 0 auto;
    }
    .how-photo img {
        height: 350px;
    }
    .states-grid-flags {
        grid-template-columns: repeat(4, 1fr);
    }
}

@media (max-width: 768px) {
    /* Hero */
    .hero-v2 { min-height: auto; }
    .hero-v2 .container { padding-top: 28px; padding-bottom: 60px; }
    .hero-stat-divider { display: none; }
    .hero-v2-stats { flex-wrap: wrap; gap: 24px; }
    .hero-photo-card img { height: 320px; }

    /* Sections */
    .features-section,
    .faq-snippet,
    .states-section {
        padding: var(--space-12) 0;
    }

    .how-it-works {
        padding: var(--space-12) 0;
    }

    .section-header {
        margin-bottom: var(--space-8);
    }

    /* Lifestyle strip */
    .lifestyle-grid {
        grid-template-columns: 1fr;
    }
    .lifestyle-card {
        height: 220px;
    }

    /* FAQ */
    .faq-grid-2col {
        grid-template-columns: 1fr;
    }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr; }
    .footer-links { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
    /* Hero small */
    .hero-v2 .container { padding-top: 20px; padding-bottom: 40px; }
    .hero-v2-content h1 { font-size: 2rem; }
    .hero-v2-lead { font-size: 1rem; }
    .hero-v2-cta { flex-direction: column; }
    .hero-v2-cta .btn { width: 100%; justify-content: center; }
    .hero-photo-card img { height: 260px; }
    .hero-v2-stats { gap: 16px; padding-top: 24px; margin-top: 32px; }

    /* Trust */
    .trust-items { gap: var(--space-3); }
    .trust-item { flex: 1 1 100%; }

    /* Features */
    .features-photo img { height: 250px; }
    .feature-item { padding: 12px; }

    /* States */
    .states-grid-flags {
        grid-template-columns: repeat(3, 1fr);
        gap: 12px;
    }
    .state-card-flag-wrap .state-abbr { font-size: 1.5rem; }
    .state-card-flag-wrap .state-name { font-size: 0.7rem; }

    /* Final CTA */
    .final-cta-v2 { padding: 60px 0; }
    .final-cta-v2-content .btn { width: 100%; justify-content: center; }

    /* Footer */
    .footer-links { grid-template-columns: 1fr; gap: var(--space-6); }
    .footer-legal { font-size: 0.75rem; }

    /* Section CTAs */
    .section-cta .btn,
    .steps-cta .btn {
        width: 100%;
        justify-content: center;
    }
}