:root {
  --navy: #0a2540;
  --navy-dark: #061a30;
  --navy-light: #1a3a5c;
  --accent: #f5a623;
  --accent-dark: #d4881a;
  --text: #1f2937;
  --text-muted: #6b7280;
  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --border: #e5e7eb;
  --shadow: 0 4px 12px rgba(10, 37, 64, 0.08);
  --shadow-lg: 0 12px 40px rgba(10, 37, 64, 0.15);
  --radius: 10px;
  --max-width: 1160px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 {
  font-family: 'Merriweather', Georgia, 'Times New Roman', serif;
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 0.5em 0;
  font-weight: 700;
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.25rem); }
h3 { font-size: 1.2rem; }

p { margin: 0 0 1em 0; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--border);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 0.9rem;
  padding-bottom: 0.9rem;
}
.logo {
  display: inline-flex;
  align-items: center;
  line-height: 0;
}
.logo-img {
  height: 72px;
  width: auto;
  display: block;
}
.header-phone {
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 0.95rem 1.75rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  text-align: center;
  cursor: pointer;
  border: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  text-decoration: none;
}
.btn-primary {
  background: var(--accent);
  color: #1a1a1a;
  box-shadow: 0 6px 18px rgba(245, 166, 35, 0.35);
}
.btn-primary:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 8px 22px rgba(245, 166, 35, 0.45);
  text-decoration: none;
}
.btn-secondary {
  background: var(--navy);
  color: #fff;
}
.btn-secondary:hover { background: var(--navy-dark); text-decoration: none; }
.btn-block { display: block; width: 100%; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 5rem 0 6rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 80% 20%, rgba(245, 166, 35, 0.15), transparent 45%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero h1 { color: #fff; max-width: 22ch; }
.hero h1 span { color: var(--accent); }
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.85);
  max-width: 58ch;
  margin-bottom: 2rem;
}
.hero-cta { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.hero-trust {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  margin-top: 2rem;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.95rem;
}
.hero-trust span { display: inline-flex; align-items: center; gap: 0.45rem; }
.hero-trust .check { color: var(--accent); font-weight: bold; }

/* Sections */
section { padding: 4.5rem 0; }
section.alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 2.75rem; }
.section-head p { color: var(--text-muted); font-size: 1.05rem; }
.eyebrow {
  display: inline-block;
  color: var(--accent-dark);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  margin-bottom: 0.5rem;
}

/* How it works */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow);
  position: relative;
}
.step-num {
  position: absolute;
  top: -18px;
  left: 1.75rem;
  background: var(--accent);
  color: #1a1a1a;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: 0 4px 12px rgba(245, 166, 35, 0.35);
}
.step h3 { margin-top: 0.75rem; }
.step p { color: var(--text-muted); margin-bottom: 0; }

/* Why */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
}
.why-item {
  background: #fff;
  border-radius: var(--radius);
  padding: 1.5rem;
  border: 1px solid var(--border);
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
}
.why-item .icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(245, 166, 35, 0.15);
  color: var(--accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.15rem;
}
.why-item h3 { font-size: 1.05rem; margin: 0 0 0.2rem; }
.why-item p { margin: 0; color: var(--text-muted); font-size: 0.95rem; }

/* Markets */
.markets {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  max-width: 900px;
  margin: 0 auto;
}
.market {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1rem;
  text-align: center;
  transition: transform 0.15s ease, border-color 0.15s ease;
}
.market:hover { transform: translateY(-2px); border-color: var(--accent); }
.market-city {
  font-weight: 700;
  color: var(--navy);
  font-size: 1.05rem;
}
.market-state {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-top: 0.15rem;
}
.market.primary {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.market.primary .market-city { color: #fff; }
.market.primary .market-state { color: var(--accent); }

/* About */
.about-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}
.about-avatar {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--navy);
  display: block;
  margin: 0 auto 0.5rem;
  box-shadow: var(--shadow-lg);
}
.about-wrap p { color: var(--text-muted); }

/* Contact / Form */
.contact {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
}
.contact h2 { color: #fff; }
.contact .section-head p { color: rgba(255, 255, 255, 0.85); }
.form-card {
  background: #fff;
  color: var(--text);
  border-radius: 14px;
  padding: 2.25rem;
  max-width: 620px;
  margin: 0 auto;
  box-shadow: var(--shadow-lg);
}
.field { margin-bottom: 1.1rem; }
.field label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: var(--navy);
  font-size: 0.95rem;
}
.field .required { color: #dc2626; }
.field input[type="text"],
.field input[type="tel"],
.field input[type="email"],
.field textarea {
  width: 100%;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(245, 166, 35, 0.2);
}
.field textarea { resize: vertical; min-height: 100px; }
.consent {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  background: var(--bg-alt);
  padding: 1rem;
  border-radius: 8px;
  border: 1px solid var(--border);
  margin: 1.1rem 0 1.4rem;
}
.consent input[type="checkbox"] {
  margin-top: 0.25rem;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  accent-color: var(--accent);
}
.consent label {
  font-size: 0.85rem;
  line-height: 1.55;
  color: var(--text);
  cursor: pointer;
}
.consent a { color: var(--navy); text-decoration: underline; }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; overflow: hidden; }
.form-note {
  font-size: 0.82rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 1rem;
}
.form-status {
  padding: 0.9rem 1rem;
  border-radius: 8px;
  margin-top: 1rem;
  font-size: 0.95rem;
  display: none;
}
.form-status.success { display: block; background: #ecfdf5; color: #065f46; border: 1px solid #a7f3d0; }
.form-status.error { display: block; background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.8);
  padding: 3rem 0 1.5rem;
  font-size: 0.95rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
  margin-bottom: 2rem;
}
.site-footer h4 {
  color: #fff;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.05rem;
  margin: 0 0 0.75rem;
}
.site-footer a { color: rgba(255, 255, 255, 0.8); }
.site-footer a:hover { color: var(--accent); text-decoration: none; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 0.4rem; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
}

/* Legal pages */
.legal-hero {
  background: var(--navy);
  color: #fff;
  padding: 3.5rem 0 2.5rem;
}
.legal-hero h1 { color: #fff; margin: 0; }
.legal-hero p { color: rgba(255, 255, 255, 0.8); margin: 0.5rem 0 0; }
.legal-content { max-width: 820px; margin: 0 auto; padding: 3rem 1.25rem 4rem; }
.legal-content h2 { margin-top: 2.5rem; font-size: 1.5rem; }
.legal-content h3 { margin-top: 1.75rem; font-size: 1.15rem; }
.legal-content p, .legal-content li { color: #374151; }
.legal-content ul { padding-left: 1.25rem; }
.legal-content li { margin-bottom: 0.4rem; }
.legal-content .box {
  background: var(--bg-alt);
  border-left: 4px solid var(--accent);
  padding: 1rem 1.25rem;
  border-radius: 6px;
  margin: 1.25rem 0;
}
.legal-content code {
  background: var(--bg-alt);
  padding: 0.1em 0.35em;
  border-radius: 4px;
  font-size: 0.9em;
}

/* Hero layout with photo */
.hero-inner {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 3rem;
  align-items: center;
}
.hero-text h1 { max-width: 22ch; }
.hero-direct {
  margin-top: 1.1rem;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.98rem;
}
.hero-direct a {
  color: #fff;
  font-weight: 600;
  border-bottom: 1px solid rgba(245, 166, 35, 0.5);
}
.hero-direct a:hover { color: var(--accent); text-decoration: none; border-bottom-color: var(--accent); }
.hero-photo { display: flex; justify-content: center; }
.chris-photo {
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: #1a3a5c;
  object-fit: cover;
  border: 5px solid rgba(255, 255, 255, 0.15);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9rem;
}

/* Bigger CTA variant */
.btn-lg {
  padding: 1.1rem 2rem;
  font-size: 1.1rem;
}

/* Trust band */
.trust-band {
  background: var(--navy-dark);
  color: #fff;
  padding: 2.75rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.trust-item h3 {
  color: var(--accent);
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  margin: 0 0 0.4rem;
}
.trust-item p {
  color: rgba(255, 255, 255, 0.82);
  margin: 0;
  font-size: 0.98rem;
  line-height: 1.55;
}

/* Franchise callout */
.franchise-callout { padding: 4rem 0; }
.franchise-box {
  max-width: 820px;
  margin: 0 auto;
  background: #fff;
  border-left: 6px solid var(--accent);
  border-radius: var(--radius);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow);
}
.franchise-box h2 {
  font-size: clamp(1.4rem, 2.6vw, 1.85rem);
  margin-bottom: 1.1rem;
}
.franchise-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.franchise-list li {
  padding: 0.6rem 0 0.6rem 2rem;
  position: relative;
  font-size: 1.05rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}
.franchise-list li:last-child { border-bottom: none; }
.franchise-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0.6rem;
  color: var(--accent-dark);
  font-weight: 700;
  font-size: 1.05rem;
  width: 1.5rem;
  height: 1.5rem;
  background: rgba(245, 166, 35, 0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Markets note */
.markets-note {
  max-width: 820px;
  margin: 2.5rem auto 0;
  color: var(--text);
  font-size: 1.02rem;
  line-height: 1.7;
  padding: 1.5rem 1.75rem;
  background: #fff;
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

/* FAQ */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: grid;
  gap: 0.75rem;
}
.faq-list details {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.15s ease, border-color 0.15s ease;
}
.faq-list details[open] {
  border-color: var(--accent);
  box-shadow: var(--shadow);
}
.faq-list summary {
  padding: 1.1rem 1.3rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 1.02rem;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+";
  color: var(--accent-dark);
  font-size: 1.4rem;
  font-weight: 600;
  line-height: 1;
  transition: transform 0.2s ease;
}
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p {
  padding: 0 1.3rem 1.15rem;
  margin: 0;
  color: var(--text-muted);
  line-height: 1.65;
}

/* Form refinements */
.opt-tag {
  font-weight: 400;
  color: var(--text-muted);
  font-size: 0.85rem;
}
.form-reassure {
  text-align: center;
  color: var(--navy);
  background: rgba(245, 166, 35, 0.1);
  border: 1px solid rgba(245, 166, 35, 0.3);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  margin: 0 0 1rem;
  font-size: 0.95rem;
  font-weight: 500;
}
.btn-submit {
  font-size: 1.15rem;
  padding: 1.15rem 2rem;
  letter-spacing: 0.01em;
  box-shadow: 0 10px 24px rgba(245, 166, 35, 0.4);
}
.btn-submit:hover {
  box-shadow: 0 14px 30px rgba(245, 166, 35, 0.55);
}

/* Mobile sticky CTA (hidden on desktop) */
.mobile-cta-bar { display: none; }

@media (max-width: 768px) {
  .mobile-cta-bar {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.5rem;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: var(--navy-dark);
    padding: 0.6rem 0.75rem calc(0.6rem + env(safe-area-inset-bottom, 0px));
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.3);
  }
  .mcta-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0.85rem 0.5rem;
    font-weight: 700;
    font-size: 0.98rem;
    border-radius: 8px;
    text-decoration: none;
    transition: transform 0.1s ease;
  }
  .mcta-btn:hover { text-decoration: none; }
  .mcta-btn:active { transform: scale(0.97); }
  .mcta-primary { background: var(--accent); color: #1a1a1a; }
  .mcta-secondary { background: #fff; color: var(--navy); }
  body { padding-bottom: 72px; }
}

@media (max-width: 860px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
    text-align: center;
  }
  .hero-text h1 { margin-left: auto; margin-right: auto; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-photo { order: -1; }
  .chris-photo { width: 220px; height: 220px; }
  .trust-grid { grid-template-columns: 1fr; gap: 1.25rem; }
  .trust-item { text-align: center; }
}

@media (max-width: 600px) {
  .site-header .container { flex-direction: row; }
  .header-phone span.label { display: none; }
  .logo-img { height: 48px; }
  .hero { padding: 3.5rem 0 4rem; }
  section { padding: 3rem 0; }
  .form-card { padding: 1.5rem; }
  .franchise-box { padding: 1.5rem 1.25rem; }
  .markets-note { padding: 1.25rem; font-size: 0.98rem; }
}