:root {
    /* Brand Colors - Modern & Trustworthy */
    --primary-color: #0056b3;       /* Deep Trust Blue */
    --primary-hover: #004494;       /* Darker Blue */
    --secondary-color: #28a745;     /* Success Green */
    --secondary-hover: #218838;     /* Darker Green */
    --accent-color: #FFD700;        /* Gold for Highlights */
    --text-dark: #1a1a1a;           /* Almost Black for Text */
    --text-gray: #4a4a4a;           /* Softer Gray for body */
    --text-light: #ffffff;
    --bg-light: #f8f9fa;            /* Light Gray Background */
    --bg-white: #ffffff;
    --border-color: #e9ecef;
    
    /* Typography */
    --font-heading: 'Montserrat', sans-serif;
    --font-body: 'Open Sans', sans-serif;
    
    /* Spacing & Layout */
    --container-width: 1200px;
    --section-padding: 80px 20px;
    
    /* Effects */
    --shadow-sm: 0 2px 4px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 24px rgba(0,0,0,0.12);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
}

/* === Reset & Base === */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    font-family: var(--font-body);
    line-height: 1.6;
    color: var(--text-gray);
    background-color: var(--bg-white);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--text-dark);
    font-weight: 700;
    line-height: 1.2;
}

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.3s ease;
}

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

.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 20px;
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    border: 0;
}

/* === Buttons === */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-family: var(--font-heading);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    cursor: pointer;
    border: none;
    font-size: 1rem;
    transition: all 0.3s ease;
}

.btn-primary {
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-hover));
    color: white;
    box-shadow: 0 4px 15px rgba(40, 167, 69, 0.4);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(40, 167, 69, 0.5);
}

.btn-white {
    background: white;
    color: var(--primary-color);
    box-shadow: var(--shadow-md);
}

.btn-white:hover {
    background: #f8f9fa;
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.pulse {
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0% { box-shadow: 0 0 0 0 rgba(40, 167, 69, 0.7); }
    70% { box-shadow: 0 0 0 10px rgba(40, 167, 69, 0); }
    100% { box-shadow: 0 0 0 0 rgba(40, 167, 69, 0); }
}

/* === Header === */
.site-header {
    background: #ffffff;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    padding: 12px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
}

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

.logo {
    height: 80px; /* Increased for better visibility on mobile */
    width: auto;
    transition: height 0.3s ease;
}

@media (min-width: 768px) {
    .logo {
        height: 140px; /* Larger on desktop */
    }
}

.header-phone {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--primary-color);
    font-size: 1.1rem;
    background: rgba(0, 86, 179, 0.05);
    padding: 8px 16px;
    border-radius: 50px;
    transition: background 0.3s;
}

.header-phone:hover {
    background: rgba(0, 86, 179, 0.1);
}

.phone-icon {
    font-size: 1.2rem;
}

/* === Hero Section === */
.hero {
    position: relative;
    padding: 100px 0;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background-color: #1a1a1a;
    overflow: hidden;
    color: white;
    contain: layout paint;
    will-change: transform;
}

.hero h1, 
.hero h2, 
.hero h3, 
.hero .hero-title,
.hero strong {
    color: white;
}

.hero-bg-wrapper {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
}

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

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(0,0,0,0.7) 0%, rgba(0,0,0,0.4) 100%);
}

.hero-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: center;
}

@media (min-width: 992px) {
    .hero-grid {
        grid-template-columns: 1fr 480px;
        gap: 60px;
    }
}

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

@media (min-width: 992px) {
    .hero-content-left {
        text-align: left;
    }
}

.hero-eyebrow {
    display: inline-block;
    background: var(--accent-color); /* Gold for high visibility */
    color: var(--text-dark);
    padding: 10px 22px;
    border-radius: 50px;
    font-size: 0.9rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: 24px;
    box-shadow: 0 4px 15px rgba(255, 215, 0, 0.3);
    border: 1px solid rgba(255,255,255,0.4);
}

.hero-title {
    font-size: 2.5rem;
    line-height: 1.2;
    margin-bottom: 20px;
    font-weight: 800;
}

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

.hero-lead {
    font-size: 1.1rem;
    margin-bottom: 30px;
    opacity: 0.9;
    line-height: 1.6;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

@media (min-width: 992px) {
    .hero-lead {
        margin-left: 0;
        margin-right: 0;
    }
}

.hero-benefits-list {
    list-style: none;
    margin-bottom: 40px;
    display: inline-block;
    text-align: left;
}

.hero-benefits-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 15px;
    font-size: 1.1rem;
}

.check-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    background: var(--secondary-color);
    color: white;
    border-radius: 50%;
    font-size: 0.8rem;
    font-weight: bold;
}

/* Modern Audio Player */
.audio-player-modern {
    display: inline-flex;
    align-items: center;
    gap: 15px;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    padding: 10px 20px 10px 10px;
    border-radius: 50px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: all 0.3s;
}

.audio-player-modern:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
}

.play-btn {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: white;
    border: none;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-color);
    font-size: 1.2rem;
    cursor: pointer;
    box-shadow: 0 4px 10px rgba(0,0,0,0.2);
    transition: transform 0.2s;
}

.play-btn:active {
    transform: scale(0.95);
}

.audio-text {
    display: flex;
    flex-direction: column;
    text-align: left;
    line-height: 1.2;
}

.audio-title {
    font-weight: 700;
    font-size: 0.9rem;
    color: white;
}

.audio-duration {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.7);
}

/* Glass Card */
.glass-card {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.5);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

/* === Modern Form === */
.form-wrapper {
    background: rgba(255, 255, 255, 0.98);
    border-radius: var(--radius-lg);
    padding: 30px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.3);
    max-width: 480px;
    margin: 0 auto;
    position: relative;
    overflow: hidden;
}

.form-wrapper::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 6px;
    background: linear-gradient(90deg, var(--secondary-color), var(--accent-color));
}

.form-header {
    text-align: center;
    margin-bottom: 25px;
}

.form-header h2 {
    font-size: 1.8rem;
    margin-bottom: 12px;
    color: var(--text-dark);
    font-weight: 800;
    letter-spacing: -0.5px;
}

.form-header p {
    font-size: 0.85rem;
    color: #495057;
    font-weight: 600;
    background: #f1f3f5;
    display: inline-block;
    padding: 6px 16px;
    border-radius: 4px; /* More square for professional look */
    text-transform: uppercase;
    letter-spacing: 1px;
}

.form-group {
    margin-bottom: 16px;
    position: relative;
}

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

.form-group.half {
    flex: 1;
}

input, select {
    width: 100%;
    padding: 18px 22px; /* Slightly larger touch target */
    border: 1px solid #dee2e6; /* Cleaner border */
    border-radius: 8px; /* Modern radius */
    font-size: 1.05rem; /* Better readability */
    font-family: var(--font-body);
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    background: #ffffff;
    color: var(--text-dark);
    box-shadow: 0 2px 4px rgba(0,0,0,0.02); /* Subtle depth instead of inset */
    -webkit-appearance: none; /* Remove default styling on iOS */
    appearance: none;
}

input:focus, select:focus {
    border-color: var(--primary-color);
    background: white;
    outline: none;
    box-shadow: 0 0 0 4px rgba(0, 86, 179, 0.1); /* Softer, larger ring */
    transform: translateY(-1px);
}

select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%23495057' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14 2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 20px center;
    background-size: 16px 12px;
    padding-right: 45px; /* Make space for arrow */
}

input::placeholder {
    color: #adb5bd;
}

.btn-next, .btn-submit {
    width: 100%;
    margin-top: 10px;
    padding: 16px;
    font-size: 1.1rem;
    background: var(--secondary-color);
    border-radius: var(--radius-sm);
    box-shadow: 0 4px 12px rgba(40, 167, 69, 0.3);
}

.btn-next:hover, .btn-submit:hover {
    background: var(--secondary-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(40, 167, 69, 0.4);
}

.btn-back {
    width: 100%;
    background: transparent;
    border: none;
    color: #6c757d;
    padding: 12px;
    cursor: pointer;
    font-weight: 600;
    font-size: 0.9rem;
    margin-top: 5px;
}

.btn-back:hover {
    color: var(--text-dark);
    text-decoration: underline;
}

.hidden {
    display: none;
}

.security-note {
    font-size: 0.8rem;
    color: #868e96;
    text-align: center;
    margin-top: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
}

/* === Trust Bar === */
.trust-bar {
    background: white;
    padding: 30px 0;
    text-align: center;
    border-bottom: 1px solid var(--border-color);
}

.trust-bar p {
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: #868e96;
    margin-bottom: 15px;
    font-weight: 700;
}

.trust-badges {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 25px;
}

.badge {
    background: #f8f9fa;
    padding: 10px 20px;
    border-radius: 50px;
    font-weight: 600;
    color: var(--text-dark);
    font-size: 0.95rem;
    border: 1px solid #e9ecef;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: transform 0.3s;
}

.badge:hover {
    transform: translateY(-2px);
    border-color: #dee2e6;
    background: white;
    box-shadow: var(--shadow-sm);
}

/* === Comparison Section === */
.comparison {
    padding: var(--section-padding);
    background: var(--bg-white);
}

.comparison h2 {
    text-align: center;
    margin-bottom: 3rem;
    font-size: 2.2rem;
}

.comparison-table {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
    max-width: 1000px;
    margin: 0 auto;
}

@media (min-width: 768px) {
    .comparison-table {
        grid-template-columns: 1fr 1fr;
    }
}

.col {
    background: white;
    padding: 40px 30px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    transition: transform 0.3s;
    border: 1px solid var(--border-color);
}

.col:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.col.bank {
    border-top: 6px solid #dc3545;
}

.col.us {
    border-top: 6px solid var(--secondary-color);
    background: #f1fcf5;
    border-color: #d4edda;
}

.col h3 {
    text-align: center;
    margin-bottom: 30px;
    font-size: 1.5rem;
}

.col ul li {
    margin-bottom: 18px;
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 1.05rem;
    line-height: 1.5;
}

.bad {
    color: #6c757d;
}

.good {
    color: #155724;
    font-weight: 600;
}

/* === How It Works === */
.how-it-works {
    padding: var(--section-padding);
    background: #f8f9fa;
}

.how-it-works h2 {
    text-align: center;
    margin-bottom: 3rem;
    font-size: 2.2rem;
}

.steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
}

@media (min-width: 768px) {
    .steps-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.step-card {
    background: white;
    padding: 40px 30px;
    border-radius: var(--radius-md);
    text-align: center;
    position: relative;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s;
    border: 1px solid transparent;
}

.step-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: #e9ecef;
}

.step-number {
    width: 50px;
    height: 50px;
    background: var(--primary-color);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.2rem;
    margin: 0 auto 25px;
    box-shadow: 0 4px 10px rgba(0, 86, 179, 0.3);
}

.step-card h3 {
    margin-bottom: 15px;
    font-size: 1.3rem;
}

.step-card p {
    color: #666;
    font-size: 1rem;
}

/* === Testimonials Carousel === */
.testimonials {
    padding: 100px 0;
    background: white;
    overflow: hidden;
}

.testimonial-carousel {
    position: relative;
    max-width: 100%;
    margin-top: 50px;
}

.testimonial-track-container {
    overflow: hidden;
    margin: 0 -10px; /* Offset gap for edge alignment */
    padding: 10px 0 30px; /* Space for shadows */
}

.testimonial-track {
    display: flex;
    transition: transform 0.5s cubic-bezier(0.25, 1, 0.5, 1);
    will-change: transform;
}

.testimonial-slide {
    flex: 0 0 50%; /* Strict dual-display across all devices */
    max-width: 50%;
    padding: 0 10px;
    box-sizing: border-box;
}

.testimonial-card {
        background: #f8f9fa;
        padding: 25px;
        border-radius: 12px;
        border: 1px solid #edf2f7;
        height: 100%;
        display: flex;
        flex-direction: column;
        justify-content: flex-start;
        transition: all 0.3s ease;
        box-shadow: 0 2px 10px rgba(0,0,0,0.03);
    }

    .testimonial-headline {
        font-weight: 700;
        font-size: 1.1rem;
        color: var(--primary-color);
        margin-bottom: 10px;
        line-height: 1.35;
    }
    
    .stars {
        color: #FFD700;
        font-size: 1rem;
        letter-spacing: 1px;
        margin-bottom: 8px;
    }

    .testimonial-card:hover {
        transform: translateY(-3px);
        box-shadow: 0 10px 20px rgba(0,0,0,0.06);
        border-color: #dee2e6;
        background: white;
    }

    .testimonial-card blockquote {
        font-size: 0.95rem;
        line-height: 1.6;
        color: #4a5568;
        margin: 0;
        font-style: italic;
        flex-grow: 1;
        position: relative;
    }
    
    .author {
        display: flex;
        align-items: center;
        gap: 12px;
        padding-bottom: 12px;
        border-bottom: 1px solid rgba(0,0,0,0.05);
        margin-bottom: 15px;
        order: -1;
    }

    .author img {
        width: 48px;
        height: 48px;
        border-radius: 50%;
        object-fit: cover;
        border: 2px solid #fff;
        box-shadow: 0 2px 5px rgba(0,0,0,0.08);
    }

    .author-info {
        display: flex;
        flex-direction: column;
    }

    .author-info strong {
        font-size: 0.95rem;
        color: #2d3748;
    }
    
    .author-info span {
        font-size: 0.8rem;
        color: #718096;
    }

    .carousel-indicators {
        display: flex;
        justify-content: center;
        gap: 10px;
        margin-top: 30px;
    }

    /* Mobile adjustments for dual-display */
    @media (max-width: 768px) {
        .testimonial-track-container {
            margin: 0 -5px;
        }
        
        .testimonial-slide {
            padding: 0 5px;
        }
        
        .testimonial-card {
            padding: 20px;
            border-radius: 12px;
        }
        
        .testimonial-card blockquote {
            font-size: 0.9rem;
            line-height: 1.5;
            margin-bottom: 15px;
        }
        
        .author img {
            width: 40px;
            height: 40px;
        }
        
        .author-info strong {
            font-size: 0.9rem;
        }
        
        .author-info span {
            font-size: 0.75rem;
        }
        
        .stars {
            font-size: 1rem;
        }
    }

.indicator {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: #e9ecef;
    border: none;
    cursor: pointer;
    transition: all 0.3s;
}

.indicator.active {
    background: var(--primary-color);
    transform: scale(1.2);
}

/* === CTA Strip === */
.cta-strip {
    background: linear-gradient(135deg, var(--primary-color), #003d80);
    color: white;
    padding: 80px 20px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-strip::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMjAiIGhlaWdodD0iMjAiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PGNpcmNsZSBjeD0iMSIgY3k9IjEiIHI9IjEiIGZpbGw9InJnYmEoMjU1LDI1NSwyNTUsMC4wNSkiLz48L3N2Zz4=');
}

.cta-strip h2 {
    color: white;
    margin-bottom: 20px;
    font-size: 2.2rem;
    position: relative;
    z-index: 1;
}

.cta-strip p {
    margin-bottom: 40px;
    font-size: 1.3rem;
    opacity: 0.9;
    position: relative;
    z-index: 1;
}

.cta-strip .btn {
    position: relative;
    z-index: 1;
}

/* === Footer === */
.site-footer {
    background: #111;
    color: #adb5bd;
    padding: 80px 0 40px;
    font-size: 0.95rem;
}

.footer-info {
    text-align: center;
    margin-bottom: 50px;
}

.footer-info p {
    margin-bottom: 12px;
}

.footer-info a {
    color: white;
    text-decoration: none;
    border-bottom: 1px dotted #666;
}

.footer-info a:hover {
    color: var(--accent-color);
    border-color: var(--accent-color);
}

.disclaimer {
    border-top: 1px solid #333;
    padding-top: 40px;
    text-align: center;
    font-size: 0.85rem;
    line-height: 1.6;
    max-width: 900px;
    margin: 0 auto;
    color: #666;
}

/* === Responsive Tweaks === */
@media (max-width: 768px) {
    .hero {
        padding: 40px 0 60px;
        align-items: flex-start;
        min-height: auto;
    }

    .hero h1 {
        font-size: 2rem;
    }

    .form-wrapper {
        padding: 20px;
    }
    
    .form-row {
        flex-direction: column;
        gap: 0;
    }
    
    .comparison-table, .steps-grid, .testimonial-grid {
        grid-template-columns: 1fr;
    }
    
    .badge {
        font-size: 0.8rem;
        padding: 8px 14px;
    }
}

/* === BBB Trust Section === */
.bbb-trust-section {
    background: #ffffff; /* Clean white for modern look */
    padding: 24px 0; /* Increased spacing for premium feel */
    border-bottom: 1px solid #e9ecef; /* Subtle separation */
    position: relative;
    z-index: 10;
    box-shadow: 0 4px 20px rgba(0,0,0,0.03); /* Added subtle depth */
}

.bbb-trust-inner {
    display: flex;
    align-items: center; /* Vertically center logo and text */
    justify-content: center;
    gap: 20px;
    text-align: left;
    max-width: 960px; /* Constrain width for readability */
    margin: 0 auto;
}

.bbb-logo-img {
    height: 50px; /* Slightly smaller for balance */
    width: auto;
    flex-shrink: 0;
}

.bbb-trust-text {
    font-size: 0.95rem;
    color: var(--text-gray);
    line-height: 1.4;
    font-family: var(--font-body);
}

.bbb-trust-text strong {
    color: #003366; /* BBB Blue */
    display: block;
    font-size: 1.05rem; /* Professional size, not shouting */
    font-weight: 700;
    font-family: var(--font-heading);
    margin-bottom: 2px;
}

.bbb-disclaimer {
    font-size: 0.75rem;
    color: #6c757d; /* Accessible gray (AA Compliant) */
    display: block;
    margin-top: 4px;
    font-weight: 400;
}

@media (max-width: 768px) {
    .bbb-trust-section {
        padding: 20px 0;
        text-align: center; /* Center everything on mobile */
    }
    
    .bbb-trust-inner {
        flex-direction: column;
        gap: 12px;
    }
    
    .bbb-logo-img {
        height: 42px; /* Smaller on mobile */
    }
    
    .bbb-trust-text {
        font-size: 0.9rem;
        padding: 0 10px; /* Prevent edge touching */
    }
    
    .bbb-trust-text strong {
        font-size: 1rem;
        margin-bottom: 4px;
    }
}

/* === Form Trust Signal === */
.form-trust-signal {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 12px;
    font-size: 0.8rem;
    color: #666;
    background: #f8f9fa;
    padding: 8px;
    border-radius: 6px;
}

.form-trust-signal img {
    height: 20px;
    width: auto;
}