:root {
  --navy: #1a2744;
  --navy-light: #243358;
  --green: #6aaa2a;
  --green-dark: #558a20;
  --green-light: #e8f4d9;
  --white: #ffffff;
  --gray: #f5f6f8;
  --text: #2d3748;
  --muted: #718096;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--text);
  overflow-x: hidden;
}

/* NAV */
nav {
  background: var(--white);
  padding: 16px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-img {
  height: 80px;
  width: auto;
  object-fit: contain;
}

nav .nav-tagline {
  font-size: 0.78rem;
  color: var(--muted);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
}

.nav-link {
  font-size: 0.9rem;
  color: var(--navy);
  text-decoration: none;
  font-weight: 600;
  transition: color 0.2s;
}

.nav-link:hover {
  color: var(--green);
}

.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  padding: 8px 16px;
  border-radius: 8px;
  background: var(--gray);
  border: 1.5px solid #cbd5e1;
  transition: all 0.2s ease;
}

.nav-phone:hover {
  background: var(--green-light);
  color: var(--green-dark);
  border-color: rgba(106, 170, 42, 0.4);
  transform: translateY(-1px);
}

.phone-icon {
  width: 15px;
  height: 15px;
  stroke: var(--green);
  flex-shrink: 0;
}

.phone-link {
  color: var(--green-dark);
  font-weight: 700;
  text-decoration: none;
  transition: color 0.2s;
}

.phone-link:hover {
  color: var(--navy);
  text-decoration: underline;
}

/* HERO */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1e3d20 100%);
  padding: 100px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.calc-box-wrap {
  max-width: 1040px;
  width: 100%;
  margin: 48px auto 0;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
  border-radius: 20px;
  overflow: hidden;
  animation: fadeUp 0.8s 0.35s ease both;
  position: relative;
  z-index: 2;
  text-align: left;
}

.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(106,170,42,0.15) 0%, transparent 70%);
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 280px; height: 280px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(106,170,42,0.1) 0%, transparent 70%);
}

.hero-badge {
  display: inline-block;
  background: var(--green);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 100px;
  margin-bottom: 28px;
  animation: fadeDown 0.6s ease both;
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 6vw, 4rem);
  color: var(--white);
  line-height: 1.15;
  max-width: 720px;
  margin: 0 auto 20px;
  animation: fadeUp 0.7s 0.1s ease both;
}

.hero h1 .accent { color: var(--green); }

.coin-icon {
  height: 0.9em;
  width: 0.9em;
  vertical-align: -0.08em;
  display: inline-block;
  margin-left: 0.12em;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,0.3));
}

.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.72);
  max-width: 520px;
  margin: 0 auto 40px;
  line-height: 1.7;
  animation: fadeUp 0.7s 0.2s ease both;
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-bottom: 48px;
  flex-wrap: wrap;
  animation: fadeUp 0.7s 0.3s ease both;
}

.stat {
  text-align: center;
}

.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem;
  color: var(--green);
  font-weight: 900;
  display: block;
}

.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* FORM CARD */
.form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 44px 40px;
  max-width: 520px;
  margin: 0 auto;
  box-shadow: 0 30px 80px rgba(0,0,0,0.35);
  animation: fadeUp 0.8s 0.35s ease both;
  position: relative;
  z-index: 2;
}

.form-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 6px;
}

.form-card p {
  font-size: 0.88rem;
  color: var(--muted);
  margin-bottom: 28px;
}

.field {
  margin-bottom: 16px;
  text-align: left;
}

label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

input, select, textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: #fafafa;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
}

input:focus, select:focus, textarea:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(106,170,42,0.12);
  background: var(--white);
  outline: none;
}

input:focus-visible, select:focus-visible, textarea:focus-visible {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(106,170,42,0.18);
  outline: none;
  background: var(--white);
}

/* User interaction validation styling */
input:user-invalid, select:user-invalid {
  border-color: #e53e3e;
  box-shadow: 0 0 0 3px rgba(229, 62, 62, 0.15);
  background: #fff8f8;
}

input:user-valid, select:user-valid {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(106, 170, 42, 0.12);
  background: var(--white);
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.btn-submit {
  width: 100%;
  padding: 16px;
  background: var(--green);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  margin-top: 8px;
  letter-spacing: 0.3px;
  transition: background 0.2s, transform 0.15s;
}

.btn-submit:hover {
  background: var(--green-dark);
  transform: translateY(-1px);
}

.form-note {
  text-align: center;
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 14px;
}

/* HOW IT WORKS */
.section {
  padding: 80px 40px;
  max-width: 1100px;
  margin: 0 auto;
}

.section-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 10px;
}

.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  color: var(--navy);
  max-width: 560px;
  line-height: 1.25;
  margin-bottom: 48px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
}

.step {
  position: relative;
}

.step-num {
  width: 48px; height: 48px;
  background: var(--green-light);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  color: var(--green-dark);
  font-weight: 900;
  margin-bottom: 18px;
}

.step h3 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.step p {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.6;
}

/* SAVINGS CALCULATOR */
.calc-section {
  background: var(--gray);
  padding: 80px 40px;
}

.calc-inner {
  max-width: 900px;
  margin: 0 auto;
}

.calc-box {
  background: var(--white);
  border-radius: 20px;
  padding: 44px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.06);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: stretch;
}

.calc-left h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 8px;
}

.calc-left p {
  font-size: 0.88rem;
  color: var(--muted);
  margin-bottom: 24px;
  line-height: 1.6;
}

.calc-disclaimer {
  font-size: 0.78rem;
  color: var(--muted);
  font-style: italic;
  margin-top: 16px;
  line-height: 1.45;
}

.calc-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

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

.calc-field-group label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.input-prefix-wrap, .input-suffix-wrap {
  position: relative;
  display: flex;
  align-items: center;
  background: var(--white);
  border: 1px solid #cbd5e1;
  border-radius: 8px;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.input-prefix-wrap:focus-within, .input-suffix-wrap:focus-within {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(106,170,42,0.15);
}

.input-prefix, .input-suffix {
  font-size: 1rem;
  font-weight: 600;
  color: var(--muted);
  padding: 0 12px;
  user-select: none;
}

.input-prefix-wrap input, .input-suffix-wrap input {
  border: none;
  background: transparent;
  padding: 10px 12px;
  font-size: 1rem;
  color: var(--navy);
  font-weight: 600;
  width: 100%;
  box-sizing: border-box;
}

.input-prefix-wrap input:focus, .input-suffix-wrap input:focus {
  outline: none;
}

.input-prefix-wrap input {
  padding-left: 4px;
}

.input-suffix-wrap input {
  padding-right: 4px;
  text-align: right;
}

.calc-field-group input[type=range] {
  margin-top: 8px;
}

input[type=range] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: #e2e8f0;
  border-radius: 3px;
  border: none;
  box-shadow: none;
  padding: 0;
  margin-bottom: 0;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--green);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(106,170,42,0.4);
}

.calc-right {
  background: var(--navy);
  border-radius: 16px;
  padding: 28px;
}

.results-container {
  display: flex;
  flex-direction: column;
  height: 100%;
  justify-content: space-between;
  gap: 20px;
}

.results-grid {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.result-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-align: left;
}

.result-card.hc-card {
  background: rgba(106, 170, 42, 0.06);
  border-color: rgba(106, 170, 42, 0.25);
}

.result-card h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--white);
  margin: 0;
}

.result-card.hc-card h4 {
  color: var(--green);
}

.result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.75);
  border-bottom: 1px dashed rgba(255, 255, 255, 0.1);
  padding-bottom: 8px;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.breakdown-row strong {
  font-weight: 600;
  color: var(--white);
}

.result-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
}

.result-total .total-amount {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
}

.result-total .total-amount.text-green {
  color: var(--green);
}

.savings-banner {
  background: linear-gradient(135deg, var(--green-dark), var(--green));
  border-radius: 12px;
  padding: 16px;
  text-align: center;
  color: var(--white);
  box-shadow: 0 4px 16px rgba(106,170,42,0.25);
}

.savings-banner-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 4px;
}

.savings-banner-amount {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 4px;
}

.savings-banner-sub {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.85);
}

/* WHY */
.why-section {
  background: var(--navy);
  padding: 80px 40px;
}

.why-inner {
  max-width: 1000px;
  margin: 0 auto;
  text-align: center;
}

.why-inner .section-label { color: var(--green); }
.why-inner .section-title { color: var(--white); margin: 0 auto 48px; max-width: 640px; }

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 24px;
}

.why-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 28px 24px;
  text-align: left;
  transition: background 0.2s;
}

.why-card:hover { background: rgba(255,255,255,0.08); }

.why-icon {
  margin-bottom: 16px;
  display: block;
}

.why-icon-svg {
  width: 40px;
  height: 40px;
  stroke: var(--green);
  stroke-width: 1.5;
  display: block;
}

.why-card h4 {
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
  font-size: 0.95rem;
}

.why-card p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.6;
}

/* FOOTER CTA */
.footer-cta {
  padding: 80px 40px;
  text-align: center;
  background: var(--green-light);
}

.footer-cta h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: var(--navy);
  margin-bottom: 12px;
}

.footer-cta p {
  color: var(--muted);
  font-size: 1rem;
  margin-bottom: 32px;
}

.btn-cta {
  display: inline-block;
  background: var(--navy);
  color: var(--white);
  padding: 16px 36px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
}

.btn-cta:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
}

footer {
  background: var(--white);
  padding: 24px 40px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

footer .logo-text { font-size: 1.1rem; color: var(--navy); }
footer p { font-size: 0.85rem; color: var(--muted); font-weight: 500; }

/* ANIMATIONS */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeDown {
  from { opacity: 0; transform: translateY(-10px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* SUCCESS */
.success-msg {
  display: none;
  text-align: center;
  padding: 20px 0;
}

.success-msg .check {
  font-size: 3rem;
  display: block;
  margin-bottom: 12px;
}

.success-msg h3 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  font-size: 1.4rem;
  margin-bottom: 8px;
}

.success-msg p {
  color: var(--muted);
  font-size: 0.9rem;
}

/* FAQ SECTION */
.faq-section {
  background: var(--white);
  padding: 80px 40px;
  border-top: 1px solid #e2e8f0;
}
.faq-inner {
  max-width: 900px;
  margin: 0 auto;
}
.faq-section .section-title {
  margin-bottom: 48px;
  max-width: none;
}
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.faq-item h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.4;
}
.faq-item p {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.6;
}

.calc-cta-btn {
  display: block;
  text-align: center;
  background: var(--green);
  color: var(--white);
  font-family: 'DM Sans', sans-serif;
  font-size: 1.08rem;
  font-weight: 700;
  text-decoration: none;
  padding: 16px 24px;
  border-radius: 10px;
  margin-top: 16px;
  letter-spacing: 0.3px;
  transition: background-color 0.2s, transform 0.2s, box-shadow 0.2s;
  box-shadow: 0 6px 18px rgba(106,170,42,0.35);
}

.calc-cta-btn:hover {
  background: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(106,170,42,0.45);
}

.calc-cta-btn:active {
  transform: translateY(0);
}

/* HERO STACKED CALCULATOR */
.calc-card {
  background: var(--white);
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.1);
  max-width: 480px;
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 20px;
  box-sizing: border-box;
}

.calc-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 2px;
  margin-top: 0;
}

.calc-card p {
  font-size: 0.85rem;
  color: var(--muted);
  margin-bottom: 8px;
  line-height: 1.5;
  margin-top: 0;
}

.calc-results-stacked {
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--navy);
  border-radius: 12px;
  padding: 20px;
  color: var(--white);
  box-sizing: border-box;
}

.res-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
  border-bottom: 1px dashed rgba(255, 255, 255, 0.1);
  padding-bottom: 6px;
}

.res-row:last-of-type {
  border-bottom: none;
  padding-bottom: 0;
}

.res-row strong {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--white);
}

.res-row.highlight {
  color: var(--green);
}

.res-row.highlight strong {
  color: var(--green);
}

.calc-results-stacked .savings-banner {
  margin-top: 4px;
  background: linear-gradient(135deg, var(--green-dark), var(--green));
  border-radius: 8px;
  padding: 12px;
  text-align: center;
  box-shadow: none;
}

.calc-results-stacked .savings-banner-label {
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 2px;
}

.calc-results-stacked .savings-banner-amount {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 0;
}

/* LEAD SECTION BELOW HERO */
.lead-section {
  background: var(--gray);
  padding: 80px 40px;
  display: flex;
  justify-content: center;
  align-items: center;
  border-top: 1px solid #cbd5e1;
  border-bottom: 1px solid #cbd5e1;
}

.lead-section .form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 48px 44px;
  box-shadow: 0 16px 40px rgba(0,0,0,0.08);
  max-width: 600px;
  width: 100%;
  box-sizing: border-box;
}

.lead-section .form-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 8px;
  margin-top: 0;
  text-align: center;
}

.lead-section .form-card p {
  font-size: 0.88rem;
  color: var(--muted);
  margin-bottom: 28px;
  line-height: 1.6;
  text-align: center;
  margin-top: 0;
}

@media (max-width: 840px) {
  .calc-box {
    grid-template-columns: 1fr;
    padding: 28px;
  }
  .calc-row {
    grid-template-columns: 1fr;
  }
  .nav-tagline {
    display: none;
  }
  .logo-img {
    height: 56px;
  }
}

@media (max-width: 640px) {
  nav { padding: 12px 16px; }
  .logo-img { height: 44px; }
  .nav-links { gap: 10px; }
  .nav-link { font-size: 0.8rem; }
  .nav-phone { padding: 6px 12px; font-size: 0.8rem; gap: 4px; }
  .hero { padding: 60px 16px 60px; }
  .hero-stats { gap: 24px; }
  .form-card { padding: 30px 22px; }
  .field-row { grid-template-columns: 1fr; }
  .calc-box { grid-template-columns: 1fr; }
  .section { padding: 56px 20px; }
  .calc-section, .why-section, .footer-cta { padding: 56px 20px; }
  .faq-section { padding: 56px 20px; }
  .faq-grid { grid-template-columns: 1fr; gap: 30px; }
  footer { padding: 20px; flex-direction: column; text-align: center; }
}

/* BUYER OFFER */
.buyer-offer {
  padding: 0 40px;
  margin: 64px auto 0;
  max-width: 1100px;
}

.buyer-offer-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-left: 6px solid var(--green);
  border-radius: 16px;
  padding: 32px 40px;
  color: var(--white);
}

.buyer-offer-amount {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: 3rem;
  color: var(--green);
  line-height: 1;
  flex-shrink: 0;
}

.buyer-offer-text {
  flex: 1;
}

.buyer-offer-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  margin-bottom: 6px;
}

.buyer-offer-text p {
  font-size: 1rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.85);
}

.buyer-offer-btn {
  flex-shrink: 0;
  display: inline-block;
  background: var(--green);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s, transform 0.15s;
}

.buyer-offer-btn:hover {
  background: var(--green-dark);
  transform: translateY(-2px);
}

@media (max-width: 840px) {
  .buyer-offer {
    padding: 0 20px;
    margin-top: 48px;
  }

  .buyer-offer-inner {
    flex-direction: column;
    text-align: center;
    gap: 16px;
    padding: 28px 24px;
    border-left: none;
    border-top: 6px solid var(--green);
  }

  .buyer-offer-btn {
    width: 100%;
    text-align: center;
  }
}


/* ============ MOCKUP UPDATES (Sunni's requested changes) ============ */

/* Hero CTA button */
.btn-hero-cta {
  display: inline-block;
  margin: 8px 0 32px;
  background: var(--green);
  color: #fff;
  padding: 16px 34px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 1.05rem;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(106,170,42,0.35);
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}
.btn-hero-cta:hover {
  background: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(106,170,42,0.45);
}

/* Estimated Savings = most prominent number */
.savings-banner.savings-hero {
  padding: 24px 16px 20px;
  box-shadow: 0 10px 30px rgba(106,170,42,0.35);
}
.savings-hero .savings-banner-label {
  font-size: 0.85rem;
  letter-spacing: 1.5px;
}
.savings-hero .savings-banner-amount {
  font-size: clamp(2.8rem, 6vw, 3.6rem);
}
.calc-right .result-total .total-amount { font-size: 1rem; }

/* Two-step form */
.form-steps-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-bottom: 20px;
}
.step-dot {
  width: 30px; height: 30px;
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem;
  background: #e6e9ef; color: #7a8599;
  transition: background 0.25s, color 0.25s;
}
.step-dot.active { background: var(--green); color: #fff; }
.step-line { width: 48px; height: 2px; background: #e6e9ef; }
.form-step { border: 0; padding: 0; margin: 0; min-width: 0; animation: stepIn 0.3s ease; }
.form-step[hidden] { display: none; }
.form-step-title {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
  margin-bottom: 16px;
  padding: 0;
}
@keyframes stepIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.form-step-actions { display: flex; gap: 12px; align-items: stretch; }
.form-step-actions .btn-submit { flex: 1; margin-top: 0; }
.btn-back {
  background: transparent;
  border: 1.5px solid #d5dae3;
  color: var(--navy);
  border-radius: 10px;
  padding: 0 18px;
  font: inherit;
  font-weight: 600;
  cursor: pointer;
}
.btn-back:hover { border-color: var(--navy); }
.form-step-actions { margin-top: 8px; }
.form-card p.form-consent {
  font-size: 0.72rem;
  line-height: 1.5;
  color: #6b7280;
  margin: 14px 0 0;
  text-align: left;
}
.form-consent a { color: var(--green-dark); font-weight: 600; }

/* What happens next */
.what-next {
  margin-top: 24px;
  padding: 20px 22px;
  border-radius: 12px;
  background: var(--green-light);
  border-left: 4px solid var(--green);
  text-align: left;
}
.what-next h3 { color: var(--navy); font-size: 1rem; margin-bottom: 6px; }
.form-card .what-next p { margin: 0; font-size: 0.9rem; color: #3b4658; }

/* What's included */
.included-section { padding: 80px 40px; background: #fff; }
.included-inner { max-width: 820px; margin: 0 auto; text-align: center; }
.included-inner .section-title { margin: 0 auto 36px; }
.included-list {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 14px;
  text-align: left;
}
.included-list li {
  position: relative;
  padding: 16px 18px 16px 52px;
  background: #f7f9fb;
  border: 1px solid #e6e9ef;
  border-radius: 12px;
  color: var(--navy);
  font-weight: 500;
  transition: transform 0.15s, border-color 0.2s;
}
.included-list li:hover { transform: translateY(-2px); border-color: var(--green); }
.included-list li::before {
  content: "\2713";
  position: absolute; left: 16px; top: 50%; transform: translateY(-50%);
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--green); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem; font-weight: 700;
}

/* Sticky Call / Text bar (phones only) */
.mobile-sticky-cta { display: none; }
@media (max-width: 768px) {
  .mobile-sticky-cta {
    display: flex;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 1000;
    gap: 10px;
    padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
    background: rgba(26,39,68,0.96);
    backdrop-filter: blur(8px);
    box-shadow: 0 -6px 20px rgba(0,0,0,0.2);
  }
  .mobile-sticky-cta a {
    flex: 1;
    text-align: center;
    padding: 14px 0;
    border-radius: 10px;
    font-weight: 700;
    text-decoration: none;
    font-size: 1rem;
  }
  .sticky-call { background: var(--green); color: #fff; }
  .sticky-text { background: #fff; color: var(--navy); }
  body { padding-bottom: 76px; }
  .included-section { padding: 56px 20px; }
}