/* =====================================================
   QuillNest Labs — Australian Household Savings Guide
   style.css  |  Bootstrap 5 + custom premium styles
   Colors: #45c4e9 (sky), #002E5B (navy), bg ~white-cold
   ===================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=DM+Sans:wght@300;400;500;600;700&display=swap');

/* ---- CSS VARIABLES ---- */
:root {
  --bg:          #f0f7fa;
  --bg-alt:      #e4f1f8;
  --bg-card:     #ffffff;
  --navy:        #002E5B;
  --sky:         #45c4e9;
  --sky-dark:    #2dadd1;
  --sky-light:   #d0f0fa;
  --graphite:    #1a2535;
  --muted:       #4e6070;
  --muted-light: #8fa5b5;
  --border:      #cde3ef;
  --shadow-sm:   0 2px 12px rgba(0,46,91,.07);
  --shadow-md:   0 8px 32px rgba(0,46,91,.12);
  --shadow-lg:   0 16px 56px rgba(0,46,91,.16);
  --radius:      14px;
  --radius-sm:   8px;
}

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--graphite);
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.25;
  color: var(--navy);
}

h1 { font-size: clamp(1.75rem, 4.5vw, 2.6rem); }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); }
h3 { font-size: 1.05rem; }

p { margin-bottom: .9rem; }
a { color: var(--sky-dark); text-decoration: none; transition: color .2s; }
a:hover { color: var(--navy); }

/* ---- NOISE TEXTURE OVERLAY (atmospheric bg) ---- */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)' opacity='0.025'/%3E%3C/svg%3E");
  pointer-events: none;
  z-index: 0;
  opacity: 0.4;
}

/* ---- UTILITY ---- */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--sky-dark);
  margin-bottom: 14px;
}
.section-label::before {
  content: '';
  display: block;
  width: 24px; height: 2px;
  background: var(--sky);
  border-radius: 2px;
}

/* ===================================================
   DISCLOSURE BAR
   =================================================== */
.disclosure-bar {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  font-size: .72rem;
  text-align: center;
  padding: 9px 20px;
  letter-spacing: .02em;
  position: relative;
  z-index: 10;
}
.disclosure-bar strong { color: var(--sky); }

/* ===================================================
   TOP BRAND BAR
   =================================================== */
.brand-bar {
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 14px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 18px rgba(0,46,91,.06);
}
.brand-bar__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.brand-bar__logo-mark {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--sky) 0%, var(--navy) 100%);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 3px 10px rgba(69,196,233,.3);
}
.brand-bar__logo-mark i { color: #fff; font-size: .95rem; }
.brand-bar__name {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
}
.brand-bar__sub {
  font-size: .65rem;
  color: var(--muted-light);
  font-weight: 400;
  letter-spacing: .04em;
}
.brand-badge {
  font-size: .65rem;
  font-weight: 600;
  letter-spacing: .07em;
  text-transform: uppercase;
  background: var(--sky-light);
  color: var(--navy);
  border: 1px solid rgba(69,196,233,.4);
  padding: 4px 12px;
  border-radius: 20px;
}

/* ===================================================
   HERO SECTION
   =================================================== */
.hero {
  background: linear-gradient(160deg, #ffffff 0%, var(--bg) 60%, var(--bg-alt) 100%);
  padding: 70px 0 80px;
  position: relative;
  overflow: hidden;
}
/* Decorative geometric blobs */
.hero::after {
  content: '';
  position: absolute;
  top: -80px; right: -100px;
  width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(69,196,233,.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero::before {
  content: '';
  position: absolute;
  bottom: -60px; left: -80px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(0,46,91,.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--sky-dark);
  background: var(--sky-light);
  border: 1px solid rgba(69,196,233,.35);
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 20px;
}

.hero-headline { margin-bottom: 18px; }

.hero-subhead {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.72;
  margin-bottom: 28px;
  font-weight: 300;
}

/* Trust pills */
.trust-row { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 4px; }
.trust-pill {
  font-size: .72rem;
  font-weight: 600;
  color: var(--navy);
  background: rgba(255,255,255,.9);
  border: 1px solid var(--border);
  padding: 5px 13px;
  border-radius: 20px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  backdrop-filter: blur(4px);
  transition: all .25s;
}
.trust-pill:hover {
  background: var(--sky-light);
  border-color: rgba(69,196,233,.5);
  transform: translateY(-1px);
}
.trust-pill i { color: #22a85a; font-size: .8rem; }

/* ===================================================
   FORM CARD (floating, glassy)
   =================================================== */
.form-card {
  background: rgba(255,255,255,.96);
  border: 1px solid rgba(69,196,233,.25);
  border-radius: var(--radius);
  padding: 32px 28px 26px;
  box-shadow: var(--shadow-lg), inset 0 1px 0 rgba(255,255,255,.9);
  position: relative;
  overflow: hidden;
  backdrop-filter: blur(10px);
}
/* Gloss top-shine effect */
.form-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--sky) 0%, var(--navy) 50%, var(--sky) 100%);
  background-size: 200% 100%;
  animation: shimmer-line 3s linear infinite;
}
@keyframes shimmer-line {
  0%   { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

.form-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 5px;
}
.form-card-sub {
  font-size: .8rem;
  color: var(--muted);
  margin-bottom: 20px;
  line-height: 1.5;
}

/* Form inputs */
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: .75rem;
  font-weight: 700;
  color: var(--graphite);
  margin-bottom: 5px;
  letter-spacing: .03em;
}
.form-group label i { margin-right: 4px; color: var(--sky); }
.form-group input,
.form-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--graphite);
  transition: border-color .2s, box-shadow .2s, background .2s;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23002E5B' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 10px;
  padding-right: 36px;
}
.form-group input:focus,
.form-group select:focus {
  border-color: var(--sky);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(69,196,233,.15);
}
.form-group input.is-invalid,
.form-group select.is-invalid {
  border-color: #e74c3c;
  box-shadow: 0 0 0 3px rgba(231,76,60,.1);
}
.field-error {
  font-size: .71rem;
  color: #e74c3c;
  margin-top: 3px;
  min-height: 1em;
  display: flex;
  align-items: center;
  gap: 4px;
}

/* Consent row */
.consent-wrap { margin-bottom: 16px; }
.consent-row { display: flex; gap: 10px; align-items: flex-start; }
.consent-row input[type="checkbox"] {
  width: 16px; height: 16px;
  margin-top: 2px;
  flex-shrink: 0;
  cursor: pointer;
  accent-color: var(--sky);
}
.consent-row label {
  font-size: .72rem;
  color: var(--muted);
  line-height: 1.5;
  cursor: pointer;
}
.consent-row label a { color: var(--sky-dark); font-weight: 600; }
.consent-row label a:hover { color: var(--navy); }

/* CTA Button */
.btn-cta {
  display: block;
  width: 100%;
  padding: 14px 20px;
  background: linear-gradient(135deg, var(--sky) 0%, var(--navy) 100%);
  color: #fff;
  font-family: 'DM Sans', sans-serif;
  font-size: .97rem;
  font-weight: 700;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  letter-spacing: .03em;
  position: relative;
  overflow: hidden;
  transition: transform .2s, box-shadow .2s;
  box-shadow: 0 4px 18px rgba(69,196,233,.35);
}
/* Gloss overlay on button */
.btn-cta::before {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 60%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.25), transparent);
  transform: skewX(-20deg);
  transition: left .5s ease;
}
.btn-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(69,196,233,.45); }
.btn-cta:hover::before { left: 160%; }
.btn-cta:active { transform: translateY(0); }

.form-note {
  font-size: .68rem;
  color: var(--muted-light);
  text-align: center;
  margin-top: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}

/* Success state */
.form-success { display: none; text-align: center; padding: 20px 8px; }
.form-success-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--sky), var(--navy));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 1.5rem;
  color: #fff;
  animation: popIn .4s cubic-bezier(.175,.885,.32,1.275);
}
@keyframes popIn {
  0% { transform: scale(0); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}
.form-success-title { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 8px; }
.form-success-msg { font-size: .85rem; color: var(--muted); }

/* ===================================================
   BENEFIT CARDS
   =================================================== */
.benefit-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  cursor: default;
}
/* Top accent bar */
.benefit-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--sky), var(--navy));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.benefit-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: rgba(69,196,233,.4); }
.benefit-card:hover::before { transform: scaleX(1); }

/* Gloss shimmer on card hover */
.benefit-card::after {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 50%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.5), transparent);
  transform: skewX(-15deg);
  transition: left .6s ease;
  pointer-events: none;
}
.benefit-card:hover::after { left: 180%; }

.benefit-icon-wrap {
  width: 52px; height: 52px;
  background: var(--sky-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  transition: background .3s, transform .3s;
}
.benefit-card:hover .benefit-icon-wrap {
  background: linear-gradient(135deg, var(--sky), var(--navy));
  transform: rotate(-5deg) scale(1.1);
}
.benefit-icon-wrap i { font-size: 1.3rem; color: var(--navy); transition: color .3s; }
.benefit-card:hover .benefit-icon-wrap i { color: #fff; }
.benefit-card h3 { color: var(--navy); margin-bottom: 8px; font-size: 1rem; }
.benefit-card p { font-size: .86rem; color: var(--muted); line-height: 1.6; margin: 0; }

/* ===================================================
   EDITORIAL / CALLOUT SECTION
   =================================================== */
.editorial-section {
  background: linear-gradient(160deg, #fff 0%, var(--bg-alt) 100%);
  padding: 80px 0;
  position: relative;
}
.editorial-section::after {
  content: '';
  position: absolute;
  right: 0; top: 0;
  width: 40%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(69,196,233,.04));
  pointer-events: none;
}

.pullquote {
  border-left: 4px solid var(--sky);
  background: rgba(69,196,233,.06);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 22px 28px;
  margin: 30px 0;
  position: relative;
}
.pullquote::before {
  content: '"';
  font-family: 'Playfair Display', serif;
  font-size: 5rem;
  color: var(--sky);
  opacity: .25;
  position: absolute;
  top: -10px; left: 10px;
  line-height: 1;
}
.pullquote p {
  font-size: 1.05rem;
  color: var(--graphite);
  font-style: italic;
  line-height: 1.75;
  margin: 0;
  padding-left: 20px;
}

/* Expert box */
.expert-box {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 28px 30px;
  margin-top: 40px;
  position: relative;
  overflow: hidden;
}
.expert-box::after {
  content: '';
  position: absolute;
  top: -30px; right: -30px;
  width: 180px; height: 180px;
  background: radial-gradient(circle, rgba(69,196,233,.2) 0%, transparent 70%);
  border-radius: 50%;
}
.expert-box-label {
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--sky);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.expert-box-quote {
  font-size: .97rem;
  color: rgba(255,255,255,.9);
  font-style: italic;
  line-height: 1.72;
  margin-bottom: 14px;
}
.expert-box-attr {
  font-size: .78rem;
  color: rgba(255,255,255,.5);
  font-style: normal;
  margin: 0;
}

/* ===================================================
   HOW IT WORKS / PROCESS
   =================================================== */
.process-section {
  padding: 80px 0;
  background: var(--bg);
}
.process-timeline {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 12px;
}
/* Connecting line */
.process-timeline::before {
  content: '';
  position: absolute;
  left: 22px;
  top: 24px;
  bottom: 24px;
  width: 2px;
  background: linear-gradient(to bottom, var(--sky), var(--navy));
  border-radius: 2px;
}
.process-step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  padding: 20px 0;
  position: relative;
  transition: transform .25s;
}
.process-step:hover { transform: translateX(8px); }
.step-num {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--sky) 0%, var(--navy) 100%);
  color: #fff;
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(69,196,233,.35);
  position: relative;
  z-index: 1;
  transition: transform .25s, box-shadow .25s;
}
.process-step:hover .step-num {
  transform: scale(1.1);
  box-shadow: 0 6px 20px rgba(69,196,233,.5);
}
.step-content { padding-top: 8px; }
.step-title { font-weight: 700; font-size: .97rem; color: var(--navy); margin-bottom: 4px; }
.step-desc { font-size: .85rem; color: var(--muted); line-height: 1.6; margin: 0; }

/* ===================================================
   FAQ ACCORDION
   =================================================== */
.faq-section {
  padding: 80px 0;
  background: #fff;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 20px 0;
  cursor: pointer;
  font-weight: 600;
  font-size: .96rem;
  color: var(--navy);
  user-select: none;
  transition: color .2s;
}
.faq-question:hover { color: var(--sky-dark); }
.faq-toggle {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--sky-light);
  color: var(--sky-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1rem;
  transition: background .25s, transform .3s, color .25s;
}
.faq-question.open .faq-toggle {
  background: var(--sky);
  color: #fff;
  transform: rotate(45deg);
}
.faq-answer {
  font-size: .88rem;
  color: var(--muted);
  line-height: 1.7;
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease, padding .3s ease;
}
.faq-answer.open {
  max-height: 600px;
  padding-bottom: 18px;
}

/* ===================================================
   COMPANY SECTION
   =================================================== */
.company-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, #003d7a 100%);
  position: relative;
  overflow: hidden;
}
.company-section::before {
  content: '';
  position: absolute;
  bottom: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(69,196,233,.15) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}
.company-section .section-label { color: rgba(69,196,233,.9); }
.company-section .section-label::before { background: rgba(69,196,233,.7); }
.company-section h2 { color: #fff; }
.company-section p { color: rgba(255,255,255,.75); }

.company-info-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius);
  padding: 28px 30px;
  backdrop-filter: blur(6px);
  position: relative;
  overflow: hidden;
  margin-top: 32px;
  transition: background .3s, border-color .3s;
}
.company-info-card:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(69,196,233,.4);
}
.company-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  color: #fff;
  margin-bottom: 14px;
}
.company-detail-row {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-bottom: 8px;
  font-size: .84rem;
  color: rgba(255,255,255,.65);
}
.company-detail-row i { color: var(--sky); flex-shrink: 0; margin-top: 2px; font-size: .9rem; }
.company-detail-row strong { color: rgba(255,255,255,.9); margin-right: 4px; }
.company-detail-row a { color: var(--sky); }
.company-detail-row a:hover { color: #fff; }

/* ===================================================
   LEGAL FOOTER
   =================================================== */
.legal-footer {
  background: #0a1929;
  padding: 32px 20px;
  font-size: .74rem;
  color: rgba(255,255,255,.35);
  line-height: 1.7;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 18px;
}
.footer-links a {
  color: rgba(255,255,255,.55);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color .2s;
  font-weight: 500;
}
.footer-links a:hover { color: var(--sky); }

/* ===================================================
   MODALS
   =================================================== */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,12,30,.6);
  z-index: 9000;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.modal-overlay.active { display: flex; animation: fadeIn .2s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal-box {
  background: #fff;
  border-radius: var(--radius);
  max-width: 640px;
  width: 100%;
  max-height: 84vh;
  overflow-y: auto;
  padding: 36px 32px;
  position: relative;
  box-shadow: 0 24px 80px rgba(0,0,0,.25);
  animation: slideUp .25s cubic-bezier(.34,1.56,.64,1);
}
@keyframes slideUp { from { transform: translateY(24px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.modal-close {
  position: absolute;
  top: 14px; right: 18px;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--bg);
  border: 1px solid var(--border);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  font-size: 1.1rem;
  transition: background .2s, color .2s;
}
.modal-close:hover { background: var(--sky); color: #fff; }
.modal-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 20px;
  padding-right: 30px;
}
.modal-body {
  font-size: .86rem;
  color: var(--muted);
  line-height: 1.72;
}
.modal-body h3 { font-family: 'DM Sans', sans-serif; font-size: .92rem; font-weight: 700; color: var(--navy); margin: 18px 0 6px; }
.modal-body p { margin-bottom: 10px; }
.modal-body ul { margin: 0 0 12px 18px; }
.modal-body li { margin-bottom: 5px; }
.modal-body a { color: var(--sky-dark); }

/* ===================================================
   SCROLL REVEAL ANIMATIONS
   =================================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }
.reveal-delay-4 { transition-delay: .4s; }

/* ===================================================
   RESPONSIVE
   =================================================== */
@media (max-width: 767px) {
  .hero { padding: 48px 0 52px; }
  .benefit-card { padding: 22px 18px; }
  .form-card { padding: 24px 20px 20px; }
  .expert-box { padding: 22px 22px; }
  .company-info-card { padding: 22px 20px; }
  .process-timeline::before { left: 20px; }
  .step-num { width: 42px; height: 42px; }
  .modal-box { padding: 28px 20px; }
  .brand-bar { padding: 12px 16px; }
  .brand-bar__sub { display: none; }
}

@media (max-width: 575px) {
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.4rem; }
  .trust-pill { font-size: .68rem; }
}