/* =========================================================
   EquiLoomPRO - Bloomberg Terminal inspired
   Palette: amber on black | institutional trading vibe
   Fonts: Work Sans + DM Sans
   ========================================================= */

:root{
  --bg: #000000;
  --bg2:#111111;
  --text:#ffffff;
  --muted: rgba(255,255,255,.72);
  --muted2: rgba(255,255,255,.58);

  --accent:#ff9900;
  --accent2:#00ff00;
  --btnText:#000000;

  --radius: 4px;
  --gap: 24px;
  --sectionPad: 70px;

  --innerGlow: inset 0 0 20px rgba(255, 153, 0, 0.2);
  --outline: rgba(255,153,0,.45);
  --outline2: rgba(255,255,255,.16);

  --maxw: 1200px;
}

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

html{ scroll-behavior:smooth; }

body{
  margin:0;
  font-family:"Work Sans", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background: var(--bg);
  line-height:1.6;
  overflow-x:hidden;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a{ color:inherit; text-decoration:none; }

.container{
  width: min(var(--maxw), 92vw);
  margin:0 auto;
}

/* =========================
   Header (Sticky)
   ========================= */
.site-header{
  position: sticky;
  top:0;
  z-index: 1000;
  background: linear-gradient(180deg, rgba(0,0,0,.96), rgba(0,0,0,.86));
  border-bottom: 1px solid rgba(255,153,0,.25);
  box-shadow: 0 10px 30px rgba(0,0,0,.55);
  backdrop-filter: blur(6px);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 16px;
  padding: 14px 0;
}

.logo{
  display:flex;
  align-items:center;
  gap: 10px;
  min-width: 220px;
}

.logo-mark{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width: 40px;
  height: 28px;
  border-radius: var(--radius);
  border: 1px dashed rgba(255,153,0,.6);
  color: var(--accent);
  letter-spacing: .8px;
  font-weight: 800;
  background: rgba(255,153,0,.06);
  box-shadow: var(--innerGlow);
}

.logo-text{
  font-weight: 800;
  letter-spacing: .6px;
}

.nav-links{
  display:flex;
  align-items:center;
  gap: 18px;
  flex-wrap: wrap;
  justify-content:flex-end;
}

.nav-link{
  font-family:"DM Sans", "Work Sans", sans-serif;
  font-size: 0.95rem;
  color: var(--muted);
  position: relative;
  padding: 8px 2px;
}

.nav-link::after{
  content:"";
  position:absolute;
  left:0;
  bottom: 4px;
  width:0;
  height: 2px;
  background: var(--accent);
  transition: width .25s ease;
}

.nav-link:hover{ color: var(--text); }
.nav-link:hover::after{ width:100%; }

.nav-cta{
  padding: 10px 12px;
  border: 1px dashed rgba(0,255,0,.55);
  border-radius: var(--radius);
  color: var(--text);
  background: rgba(0,255,0,.06);
}

.nav-cta::after{ display:none; }

.header-actions{
  display:flex;
  align-items:center;
  gap: 12px;
  position: relative;
}

/* =========================
   Language selector (REQUIRED CSS + theme)
   ========================= */
.lang-menu { position: relative; }
.lang-toggle-input { display: none; }
.lang-btn { cursor: pointer; display: flex; align-items: center; gap: 0.25rem; padding: 0.35rem 0.6rem; border: 1px solid currentColor; border-radius: 4px; font-size: 0.85rem; background: transparent; color: inherit; opacity: 0.75; }
.lang-btn:hover { opacity: 1; }
.lang-arrow { font-size: 0.7rem; transition: transform 0.2s; }
.lang-toggle-input:checked ~ .lang-btn .lang-arrow { transform: rotate(180deg); }
.lang-dropdown { display: none; position: absolute; top: 100%; right: 0; margin-top: 0.25rem; background: #fff; border: 1px solid #ddd; border-radius: 6px; box-shadow: 0 4px 12px rgba(0,0,0,0.1); max-height: 320px; overflow-y: auto; z-index: 1000; min-width: 160px; padding: 0.25rem 0; }
.lang-toggle-input:checked ~ .lang-dropdown { display: block; }
.lang-option { display: block; padding: 0.4rem 1rem; text-decoration: none; color: #333; font-size: 0.85rem; white-space: nowrap; }
.lang-option:hover { background: #f0f0f0; }
.lang-option.active { font-weight: bold; background: #f5f5f5; }

/* Language Dropdown - ALWAYS BLACK TEXT on WHITE background (dropdown only, not the trigger button) */
.lang-dropdown,.lang-list { background:#ffffff; }
.lang-option { color:#000000 !important; background:#ffffff; }
.lang-option:hover { background:rgba(0,0,0,.05); color:#000000 !important; }

/* Make trigger match theme */
.lang-btn{
  color: var(--muted);
  border-color: rgba(255,153,0,.35);
  background: rgba(255,153,0,.05);
}
.lang-btn:hover{
  color: var(--text);
  border-color: rgba(255,153,0,.65);
}

/* =========================
   Mobile hamburger (REQUIRED CSS)
   ========================= */
.mobile-toggle-input { display: none; }
.hamburger { display: none; background: transparent; border: 1px solid currentColor; color: inherit; padding: 10px 12px; cursor: pointer; opacity: 0.75; border-radius: 4px; }
.hamburger:hover { opacity: 1; }
.mobile-menu { display: none; }
@media (max-width:768px) { .nav-links { display: none; } .hamburger { display: flex; align-items: center; justify-content: center; } .mobile-toggle-input:checked ~ .mobile-menu { display: block; } }

.hamburger-lines{
  width: 18px;
  height: 12px;
  display:inline-block;
  position: relative;
}
.hamburger-lines::before,
.hamburger-lines::after,
.hamburger-lines{
  background: transparent;
}
.hamburger-lines::before,
.hamburger-lines::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  height: 2px;
  background: var(--accent);
  border-radius: 2px;
  box-shadow: 0 6px 0 var(--accent);
  top: 2px;
}
.hamburger-lines::after{
  top: 10px;
  box-shadow: none;
}

.mobile-menu{
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  width: min(320px, 92vw);
  background: var(--bg2);
  border: 1px dashed rgba(255,153,0,.45);
  border-radius: var(--radius);
  box-shadow: 0 18px 40px rgba(0,0,0,.6), var(--innerGlow);
  padding: 8px;
}
.mobile-menu a{
  display:block;
  padding: 12px 12px;
  border-radius: var(--radius);
  color: var(--text);
  font-family:"DM Sans", "Work Sans", sans-serif;
  opacity: .9;
}
.mobile-menu a:hover{
  background: rgba(255,153,0,.08);
  opacity: 1;
}

/* =========================
   Sections
   ========================= */
.section{
  padding: var(--sectionPad) 0;
}

.section-alt{
  padding: var(--sectionPad) 0;
  background: var(--bg2);
  border-top: 1px solid rgba(255,153,0,.14);
  border-bottom: 1px solid rgba(255,153,0,.14);
}

.section-head{
  max-width: 860px;
}

h1,h2,h3{
  margin: 0 0 12px;
  letter-spacing: .2px;
}

h1{
  font-size: clamp(2.6rem, 3.6vw, 3.4rem);
  line-height: 1.08;
}

h2{
  font-size: clamp(2rem, 2.6vw, 2.5rem);
  line-height: 1.15;
  display:inline-block;
  position: relative;
}

h2::after{
  content:"";
  display:block;
  width: 72px;
  height: 3px;
  margin-top: 10px;
  background: linear-gradient(90deg, var(--accent), rgba(255,153,0,.15));
  border-radius: 2px;
}

h3{
  font-size: 1.35rem;
  line-height: 1.25;
}

p{ margin: 0 0 16px; color: var(--muted); }

.material-symbols-outlined{
  font-variation-settings: "wght" 500, "GRAD" 0, "opsz" 24;
  vertical-align: middle;
}

/* =========================
   Hero split
   ========================= */
.hero{
  position: relative;
  background:
    radial-gradient(900px 420px at 18% 25%, rgba(255,153,0,.18), transparent 55%),
    radial-gradient(900px 420px at 85% 65%, rgba(0,255,0,.10), transparent 55%);
}

.hero-wrap{
  display:flex;
  align-items:center;
  gap: 40px;
}

.hero-content{ flex: 1; min-width: 280px; }

.hero-kicker{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 16px;
}

.kicker-pill{
  display:inline-flex;
  align-items:center;
  gap: 8px;
  padding: 8px 10px;
  border-radius: 999px;
  border: 1px dashed rgba(255,153,0,.5);
  background: rgba(255,153,0,.06);
  color: var(--text);
  font-size: .92rem;
  box-shadow: var(--innerGlow);
}

.trust-row{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 22px;
}

.trust-badge{
  display:flex;
  gap: 10px;
  align-items:flex-start;
  padding: 14px;
  border-radius: var(--radius);
  border: 1px dashed rgba(255,255,255,.18);
  background: rgba(17,17,17,.55);
  box-shadow: var(--innerGlow);
}

.trust-badge strong{
  display:block;
  font-size: .95rem;
  color: var(--text);
}
.trust-badge span{
  display:block;
  font-size: .85rem;
  color: var(--muted2);
}

.hero-form{
  width: 460px;
  flex-shrink: 0;
}

.form-shell{
  background: rgba(17,17,17,.9);
  border: 1px dashed rgba(255,153,0,.55);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: 0 18px 50px rgba(0,0,0,.65), var(--innerGlow);
}

.form-title{
  font-size: 1.35rem;
  margin-bottom: 6px;
}
.form-title::after{ display:none; }

.form-subtitle{
  color: var(--muted2);
  margin-bottom: 14px;
  font-size: .98rem;
}

/* =========================
   Lead form styles (in CSS only)
   ========================= */
.lead-form{
  display:flex;
  flex-direction:column;
  gap: 12px;
  padding: 0;
}

.form-group{
  display:flex;
  flex-direction:column;
  gap: 6px;
}

.form-group label{
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,.88);
}

.form-group input{
  width:100%;
  padding: 11px 12px;
  background: #000000;
  color: var(--text);
  border: 1px solid rgba(255,153,0,.45);
  border-radius: var(--radius);
  outline: none;
  box-shadow: var(--innerGlow);
  font-family:"DM Sans","Work Sans",sans-serif;
}

.form-group input:focus{
  border-color: rgba(0,255,0,.65);
  box-shadow: inset 0 0 0 1px rgba(0,255,0,.35), var(--innerGlow);
}

.phone-input-wrapper{
  display:flex;
  align-items:center;
  border: 1px solid rgba(255,153,0,.45);
  border-radius: var(--radius);
  overflow:hidden;
  background: #000000;
  box-shadow: var(--innerGlow);
}

.phone-input-wrapper:focus-within{
  border-color: rgba(0,255,0,.65);
  box-shadow: inset 0 0 0 1px rgba(0,255,0,.35), var(--innerGlow);
}

.phone-prefix{
  padding: 11px 12px;
  background: rgba(255,153,0,.10);
  color: var(--accent);
  font-weight: 800;
  font-size: .92rem;
  border-right: 1px dashed rgba(255,153,0,.35);
  min-width: 64px;
  text-align:center;
}

.phone-input-wrapper input{
  flex:1;
  border: 0 !important;
  border-radius: 0;
  padding: 11px 12px;
  background: transparent;
  color: var(--text);
}

.form-checkbox{
  display:flex;
  align-items:flex-start;
  gap: 10px;
  font-size: 0.78rem;
  color: rgba(255,255,255,.74);
  margin-top: 4px;
}

.form-checkbox input[type="checkbox"]{
  margin-top: 2px;
  width: 16px;
  height: 16px;
  accent-color: var(--accent);
}

.form-checkbox a{
  color: var(--accent);
  text-decoration: underline;
}

.form-checkbox .terms-read-more{
  color: rgba(255,255,255,.92);
  font-weight: 700;
  text-decoration: underline;
}
.form-checkbox .terms-text{
  font-size: inherit;
  color: inherit;
  line-height: inherit;
}
.form-checkbox label{
  display: inline;
  cursor: pointer;
}

.submit-btn{
  margin-top: 6px;
  padding: 12px 16px;
  background: var(--accent);
  color: var(--btnText);
  border: 0;
  border-radius: var(--radius);
  font-weight: 900;
  letter-spacing: .6px;
  cursor:pointer;
  text-transform: uppercase;
  box-shadow: 0 12px 30px rgba(255,153,0,.18), var(--innerGlow);
  transition: transform .15s ease, filter .15s ease;
}

.submit-btn:hover{
  transform: translateY(-1px);
  filter: brightness(1.05);
}

.form-message{
  padding: 10px 12px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  display:none;
}
.form-message.error{
  display:block;
  background: #ffffff;
  color: #000000;
  border: 1px solid rgba(0,0,0,.12);
}
.form-message.success{
  display:block;
  background: #ffffff;
  color: #000000;
  border: 1px solid rgba(0,0,0,.12);
}

/* =========================
   Outlined / dashed cards
   ========================= */
.outlined-card{
  border: 1px dashed rgba(255,153,0,.55);
  border-radius: var(--radius);
  background: rgba(0,0,0,.35);
  box-shadow: var(--innerGlow);
}

.numbered-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--gap);
  margin-top: 30px;
  align-items: stretch;
}

.numbered-card{
  padding: 22px;
  position: relative;
  overflow: hidden;
  min-height: 210px;
}

.numbered-card .card-number{
  position:absolute;
  top: 12px;
  right: 14px;
  font-size: 2.2rem;
  font-weight: 800;
  color: rgba(255,153,0,.35);
  letter-spacing: .5px;
}

.numbered-card h3{
  display:flex;
  align-items:center;
  gap: 10px;
  margin-top: 6px;
}

.numbered-card p{ margin: 10px 0 0; color: var(--muted); }

/* Steps grid */
.steps-grid{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--gap);
  margin-top: 30px;
  align-items: stretch;
}

.step-card{
  padding: 22px;
  text-align:center;
}

.step-number{
  display:inline-block;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(255,153,0,.10);
  border: 1px dashed rgba(255,153,0,.55);
  color: var(--accent);
  font-weight: 800;
  font-size: .85rem;
  margin-bottom: 12px;
}

.step-icon{
  width: 54px;
  height: 54px;
  margin: 0 auto 12px;
  border-radius: 999px;
  display:flex;
  align-items:center;
  justify-content:center;
  background: rgba(0,255,0,.08);
  border: 1px dashed rgba(0,255,0,.55);
  color: var(--accent2);
  box-shadow: inset 0 0 18px rgba(0,255,0,.12);
}

.step-card p{ margin: 10px 0 0; }

/* Progress bars */
.progress-stats-grid{
  display:grid;
  gap: 18px;
  max-width: 760px;
  margin: 30px auto 0;
}

.progress-header{
  display:flex;
  justify-content:space-between;
  gap: 12px;
  margin-bottom: 8px;
  color: var(--text);
}

.progress-label{ color: rgba(255,255,255,.88); font-weight: 600; }
.progress-value{ color: var(--accent); font-weight: 800; }

.progress-bar{
  height: 10px;
  border-radius: 999px;
  overflow:hidden;
  background: rgba(255,255,255,.08);
  border: 1px dashed rgba(255,153,0,.35);
}

.progress-fill{
  height:100%;
  width: var(--progress, 0%);
  background: linear-gradient(90deg, var(--accent), rgba(0,255,0,.85));
}

/* Tips / Risk accordions */
.tips-accordion,
.risk-accordion{
  max-width: 900px;
  margin: 30px auto 0;
  display:flex;
  flex-direction:column;
  gap: 14px;
}

.tip-item,
.risk-item{
  padding: 0;
}

.tip-item summary,
.risk-item summary{
  cursor:pointer;
  list-style:none;
  display:flex;
  align-items:center;
  gap: 10px;
  justify-content: space-between;
  padding: 16px 18px;
  font-weight: 800;
  color: var(--text);
}

.tip-item summary::-webkit-details-marker,
.risk-item summary::-webkit-details-marker{ display:none; }

.tip-item summary .material-symbols-outlined,
.risk-item summary .material-symbols-outlined{
  color: var(--accent);
  margin-right: 10px;
}

.tip-plus{
  margin-left:auto;
  color: var(--accent2);
  font-weight: 900;
}

.tip-body{
  padding: 0 18px 16px;
  border-top: 1px dashed rgba(255,153,0,.25);
}

.tip-body p{ margin: 12px 0 0; }

/* FAQ tabs (CSS-only) */
.faq-tabs-controls{
  display:flex;
  justify-content:center;
  gap: 10px;
  flex-wrap: wrap;
  margin: 24px 0 18px;
}

.faq-tab-input{ position:absolute; opacity:0; pointer-events:none; }

.faq-tab{
  cursor:pointer;
  padding: 10px 14px;
  border-radius: 999px;
  border: 1px dashed rgba(255,153,0,.55);
  background: rgba(255,153,0,.06);
  color: rgba(255,255,255,.86);
  font-weight: 800;
  font-size: .92rem;
}

#tab-ops:checked ~ label[for="tab-ops"],
#tab-ai:checked ~ label[for="tab-ai"],
#tab-risk:checked ~ label[for="tab-risk"],
#tab-access:checked ~ label[for="tab-access"]{
  background: var(--accent);
  color: var(--btnText);
  border-color: rgba(255,153,0,.95);
}

.faq-tabs-content{
  max-width: 900px;
  margin: 0 auto;
}

.faq-panel{ display:none; }

#tab-ops:checked ~ .faq-tabs-content #panel-ops{ display:block; }
#tab-ai:checked ~ .faq-tabs-content #panel-ai{ display:block; }
#tab-risk:checked ~ .faq-tabs-content #panel-risk{ display:block; }
#tab-access:checked ~ .faq-tabs-content #panel-access{ display:block; }

.faq-item{
  margin-bottom: 14px;
}

.faq-item summary{
  cursor:pointer;
  padding: 16px 18px;
  font-weight: 800;
  list-style:none;
}
.faq-item summary::-webkit-details-marker{ display:none; }

.faq-answer{
  padding: 0 18px 16px;
  border-top: 1px dashed rgba(255,153,0,.25);
}
.faq-answer p{ margin: 12px 0 0; }

/* CTA gradient */
.cta-gradient{
  position: relative;
  overflow:hidden;
  background: linear-gradient(120deg, rgba(255,153,0,.95), rgba(0,255,0,.55));
  color: #000;
}

.cta-content{
  text-align:center;
  padding: calc(var(--sectionPad) * 0.85) 0;
  position: relative;
  z-index: 2;
}

.cta-gradient h2{ color:#000; }
.cta-gradient h2::after{ background: rgba(0,0,0,.65); }
.cta-gradient p{ color: rgba(0,0,0,.8); max-width: 860px; margin: 0 auto 18px; }

.cta-shapes{ position:absolute; inset:0; z-index:1; }
.cta-shape{
  position:absolute;
  border-radius: 999px;
  background: rgba(255,255,255,.20);
  filter: blur(0.2px);
}
.cta-shape.shape-1{ width: 240px; height: 240px; top: -60px; left: -60px; }
.cta-shape.shape-2{ width: 180px; height: 180px; bottom: -40px; right: -40px; }
.cta-grid{
  position:absolute;
  inset:0;
  background-image:
    linear-gradient(rgba(0,0,0,.12) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0,0,0,.12) 1px, transparent 1px);
  background-size: 56px 56px;
  opacity: .35;
}

.btn-underline{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap: 10px;
  font-weight: 900;
  letter-spacing: .4px;
  color: #000;
  position: relative;
  padding: 10px 6px;
}

.btn-underline::after{
  content:"";
  position:absolute;
  left:0;
  bottom: 2px;
  width: 100%;
  height: 3px;
  background: rgba(0,0,0,.75);
  transform: scaleX(.25);
  transform-origin: left;
  transition: transform .25s ease;
}
.btn-underline:hover::after{ transform: scaleX(1); }

.btn-pulse{
  animation: btn-pulse 2s infinite;
}
@keyframes btn-pulse{
  0%,100%{ box-shadow: 0 0 0 0 rgba(0,0,0,.25); }
  50%{ box-shadow: 0 0 0 16px rgba(0,0,0,0); }
}

/* Testimonials bubbles */
.bubbles-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--gap);
  margin-top: 30px;
}

.bubble-content{
  position: relative;
  padding: 22px;
  background: rgba(0,0,0,.35);
  border-radius: var(--radius);
  border: 1px dashed rgba(255,153,0,.55);
  box-shadow: var(--innerGlow);
}

.bubble-content::after{
  content:"";
  position:absolute;
  bottom: -10px;
  left: 28px;
  border: 10px solid transparent;
  border-top-color: rgba(255,153,0,.35);
  filter: drop-shadow(0 6px 10px rgba(0,0,0,.4));
}

.bubble-quote{
  position:absolute;
  top: 6px;
  left: 14px;
  font-size: 3rem;
  color: rgba(255,153,0,.28);
  line-height: 1;
}

.bubble-author{
  display:flex;
  align-items:center;
  gap: 10px;
  padding: 12px 0 0 18px;
  color: rgba(255,255,255,.86);
  font-weight: 700;
}

/* Footer */
.site-footer{
  background: #000;
  border-top: 1px solid rgba(255,153,0,.2);
  padding-top: 46px;
}

.footer-top{
  display:grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 30px;
  padding-bottom: 26px;
}

.footer-col h3{
  margin-bottom: 10px;
  color: var(--accent);
}
.footer-col h3::after{ display:none; }

.footer-links{
  list-style:none;
  padding:0;
  margin:0;
  display:flex;
  flex-direction:column;
  gap: 10px;
}

.footer-links a{
  color: var(--muted);
  position: relative;
  display:inline-block;
  padding-bottom: 2px;
}

.footer-links a::after{
  content:"";
  position:absolute;
  left:0;
  bottom:0;
  width:0;
  height:2px;
  background: var(--accent);
  transition: width .25s ease;
}
.footer-links a:hover{ color: var(--text); }
.footer-links a:hover::after{ width:100%; }

.footer-disclaimer-wrap{
  background: #000;
  border-top: 1px solid rgba(255,153,0,.14);
  border-bottom: 1px solid rgba(255,153,0,.14);
  padding: 22px 0;
}

.footer-bottom{
  padding: 18px 0 26px;
  text-align:center;
  color: var(--muted2);
  font-size: .92rem;
}

/* =========================================================
   MANDATORY POPUP CSS (as provided)
   ========================================================= */

/* Cookie Consent - fixed bottom banner with BLACK text */
.cookie-consent { display:none; position:fixed; bottom:0; left:0; right:0; background:#ffffff; border-top:1px solid rgba(0,0,0,.1); padding:16px 24px; z-index:9999; box-shadow:0 -2px 10px rgba(0,0,0,.1); }
.cookie-content { max-width:1200px; margin:0 auto; display:flex; align-items:center; justify-content:space-between; gap:20px; flex-wrap:wrap; color:#000000; }
.cookie-content p { color:#000000; margin:0; }
.cookie-content a { color:#0066cc !important; text-decoration:underline; font-weight:600; }
.cookie-content a:hover { color:#004499 !important; }
.cookie-btn { padding:10px 24px; background:var(--accent); color:#fff; border:none; border-radius:4px; font-weight:700; cursor:pointer; }

/* Disclaimer Popup - Full width bottom banner with Read More */
.disclaimer-popup-overlay { position:fixed; bottom:0; left:0; width:100%; z-index:10000; pointer-events:none; opacity:0; visibility:hidden; transition:opacity 0.3s ease, visibility 0.3s ease; }
.disclaimer-popup-overlay.active { opacity:1; visibility:visible; }
.disclaimer-popup { background:#ffffff; width:100%; box-shadow:0 -2px 15px rgba(0,0,0,.1); border-top:1px solid #e5e5e5; transform:translateY(100%); transition:transform 0.3s ease; pointer-events:auto; }
.disclaimer-popup-overlay.active .disclaimer-popup { transform:translateY(0); }
.disclaimer-popup-header { display:flex; justify-content:flex-start; align-items:center; padding:10px 30px; border-bottom:1px solid #eee; }
.disclaimer-popup-header h4 { margin:0; font-size:13px; font-weight:600; color:#1a1a1a; flex:1; }
.disclaimer-close-btn { background:none; border:none; font-size:18px; color:#999; cursor:pointer; padding:0; line-height:1; }
.disclaimer-close-btn:hover { color:#333; }
.disclaimer-popup-body { padding:12px 30px; }
.disclaimer-popup-row { display:flex; align-items:flex-start; justify-content:space-between; gap:24px; }
.disclaimer-popup-content { flex:1; }
.disclaimer-main-text { font-size:12px; line-height:1.5; color:#555; margin:0 0 6px 0; }
.disclaimer-main-text a,.disclaimer-popup-body a { color:#0066cc !important; text-decoration:underline; font-weight:600; }
.disclaimer-main-text a:hover,.disclaimer-popup-body a:hover { color:#004499 !important; }
.disclaimer-read-more { font-size:11px; color:#0066cc; text-decoration:underline; cursor:pointer; }
.disclaimer-read-more:hover { color:#004499; }
.disclaimer-more-text { max-height:0; overflow:hidden; transition:max-height 0.4s ease, margin 0.3s ease, padding 0.3s ease; margin-top:0; padding-top:0; border-top:none; }
.disclaimer-more-text.expanded { max-height:400px; margin-top:12px; padding-top:12px; border-top:1px solid #eee; overflow-y:auto; }
.popup-svg { width:100%; height:auto; max-width:540px; display:block; margin:0 auto; }
.popup-svg-mobile { display:none; }
.disclaimer-popup-footer { flex-shrink:0; }
.disclaimer-understand-btn { padding:10px 24px; background:var(--accent); color:#fff; border:none; border-radius:4px; font-weight:600; cursor:pointer; font-size:13px; }
.disclaimer-understand-btn:hover { opacity:0.9; }
@media (max-width:768px) { .disclaimer-popup-header { padding:8px 16px; } .disclaimer-popup-body { padding:10px 16px; } .disclaimer-popup-row { flex-direction:column; gap:12px; } .disclaimer-popup-footer { width:100%; } .popup-svg { display:none; } .popup-svg-mobile { display:block; width:100%; height:auto; } }

/* Terms Popup - centered overlay */
.terms-popup-overlay { display:none; position:fixed; inset:0; background:rgba(0,0,0,.6); z-index:10000; align-items:center; justify-content:center; padding:20px; }
.terms-popup-content { background:#fff; border-radius:8px; max-width:700px; width:100%; max-height:90vh; overflow:auto; position:relative; padding:20px; }
.terms-popup-content .close-btn { position:absolute; top:12px; right:12px; background:none; border:none; font-size:28px; cursor:pointer; }
.terms-img { width:100%; height:auto; }

/* Desktop/Mobile visibility - CRITICAL: These rules must NOT be overridden! */
.desktop-only { display:block !important; }
.mobile-only { display:none !important; }
@media (max-width:640px) { .desktop-only { display:none !important; } .mobile-only { display:block !important; } }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 768px){
  .header-inner{ flex-wrap: wrap; }
  .logo{ min-width: auto; }

  .hero-wrap{
    flex-direction: column;
    padding: 0;
  }
  .hero-form{ width: 100%; }
  .trust-row{ grid-template-columns: 1fr; }

  .numbered-grid{ grid-template-columns: 1fr !important; }
  .steps-grid{ grid-template-columns: 1fr !important; }
  .bubbles-grid{ grid-template-columns: 1fr !important; }

  .footer-top{ grid-template-columns: 1fr; }
  body{ overflow-x:hidden; }
  .section, .section-alt{ padding: 30px 0; }
  .cta-content{ padding: 40px 0; }
  h1{ font-size: 1.9rem; }
}

@media (max-width: 480px){
  h1{ font-size: 1.55rem; }
  h2{ font-size: 1.3rem; }
  .form-shell{ padding: 14px; }
}

/* Accessibility */
:focus-visible{
  outline: 2px solid var(--accent2);
  outline-offset: 2px;
}