/* ===== FINALLY FREE FINANCIAL — SHARED DESIGN SYSTEM ===== */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&display=swap');

:root {
  --blue-deep:#1B3A5C;--blue-mid:#1E5A8A;--blue-bright:#2563EB;--blue-light:#60A5FA;--blue-pale:#93C5FD;--blue-wash:#DBEAFE;--blue-tint:#EFF6FF;
  --green-600:#16A34A;--green-500:#22C55E;--green-400:#4ADE80;--green-wash:#DCFCE7;
  --amber:#FBBF24;
  --gray-50:#F0F5FA;--gray-100:#E8EEF5;--gray-200:#D5DDE8;--gray-300:#B8C4D1;--gray-400:#8899AB;--gray-500:#5E7389;--gray-600:#46596E;--gray-700:#344255;--gray-800:#243447;--gray-900:#1B2B3D;
  --white:#FFFFFF;--body-bg:#F5F8FC;
  --radius-sm:8px;--radius-md:12px;--radius-lg:16px;--radius-xl:20px;
  --shadow-card:0 2px 12px rgba(27,58,92,.04);--shadow-hover:0 8px 30px rgba(37,99,235,.08);
  --nav-height:70px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',sans-serif;color:var(--gray-800);background:var(--body-bg);line-height:1.65;overflow-x:hidden}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}

/* ===== NAV ===== */
.nav{position:fixed;top:0;width:100%;z-index:1000;padding:0 4%;height:var(--nav-height);display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.85);backdrop-filter:blur(20px);border-bottom:1px solid rgba(0,0,0,.04);transition:all .3s}
.nav.scrolled{background:rgba(255,255,255,.97);box-shadow:0 4px 20px rgba(27,58,92,.06)}
.nav-logo{display:inline-flex;align-items:center}
.nav-logo svg{display:block}
.nav-links{display:flex;align-items:center;gap:.2rem;list-style:none}
.nav-links a{color:var(--gray-500);font-size:.88rem;font-weight:500;padding:.45rem .9rem;border-radius:var(--radius-sm);transition:all .2s}
.nav-links a:hover,.nav-links a.active{color:var(--blue-deep);background:rgba(27,58,92,.04)}
.nav-phone{color:var(--gray-500);font-size:.88rem;font-weight:600;display:flex;align-items:center;gap:.4rem;transition:color .2s}
.nav-phone:hover{color:var(--blue-deep)}
.nav-phone svg{width:16px;height:16px;stroke:var(--blue-bright);fill:none;stroke-width:2}
.nav-cta{background:var(--blue-bright);color:var(--white)!important;padding:.55rem 1.4rem!important;border-radius:var(--radius-sm)!important;font-weight:600!important;transition:all .2s!important}
.nav-cta:hover{background:#1D4ED8!important;transform:translateY(-1px)}
.nav-right{display:flex;align-items:center;gap:1rem}
.mobile-toggle{display:none;background:none;border:none;cursor:pointer;z-index:1001}
.mobile-toggle span{display:block;width:22px;height:2px;background:var(--gray-800);margin:5px auto;border-radius:2px;transition:.3s}
.mobile-menu{display:none;position:fixed;inset:0;background:var(--white);z-index:999;flex-direction:column;align-items:center;justify-content:center;gap:.5rem}
.mobile-menu.open{display:flex}
.mobile-menu a{font-size:1.2rem;font-weight:600;color:var(--gray-600);padding:.8rem 2rem;border-radius:10px}
.mobile-menu a:hover{background:var(--blue-tint);color:var(--blue-bright)}

/* ===== BUTTONS ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:inherit;font-weight:700;border:none;cursor:pointer;transition:all .25s;text-decoration:none}
.btn-primary{background:var(--green-500);color:var(--white);padding:.95rem 2.2rem;border-radius:10px;font-size:1rem}
.btn-primary:hover{background:var(--green-600);transform:translateY(-2px);box-shadow:0 8px 30px rgba(34,197,94,.25)}
.btn-primary-lg{padding:1.1rem 2.8rem;font-size:1.05rem;border-radius:12px}
.btn-outline{background:transparent;color:var(--blue-deep);padding:.95rem 2rem;border-radius:10px;font-size:1rem;border:2px solid var(--gray-200)}
.btn-outline:hover{border-color:var(--blue-bright);color:var(--blue-bright);background:rgba(37,99,235,.03)}
.btn-white{background:var(--white);color:var(--blue-deep);padding:.95rem 2rem;border-radius:10px;font-size:1rem;border:none}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 30px rgba(0,0,0,.1)}
.arrow-icon{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ===== SECTIONS ===== */
.section{padding:5.5rem 5%}
.section-white{background:var(--white)}
.section-light{background:var(--gray-50)}
.section-dark{background:linear-gradient(160deg,var(--blue-deep) 0%,var(--blue-mid) 100%);color:var(--white)}
.container{max-width:1140px;margin:0 auto}
.tag{display:inline-flex;align-items:center;gap:.5rem;font-size:.78rem;font-weight:700;color:var(--blue-bright);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.8rem}
.tag::before{content:'';width:8px;height:8px;border-radius:50%;background:var(--blue-bright)}
.tag-light{color:var(--blue-pale)}.tag-light::before{background:var(--blue-pale)}
.heading{font-family:'Plus Jakarta Sans',sans-serif;font-weight:800;color:var(--gray-900);letter-spacing:-.03em}
.heading-xl{font-size:clamp(2.4rem,5vw,3.6rem);line-height:1.08}
.heading-lg{font-size:clamp(1.8rem,3.5vw,2.6rem);line-height:1.15}
.heading-md{font-size:clamp(1.4rem,2.5vw,1.8rem);line-height:1.25}
.heading-white{color:var(--white)}
.subtext{font-size:1.05rem;color:var(--gray-500);line-height:1.75;max-width:600px}
.subtext-light{color:rgba(255,255,255,.55)}
.text-center{text-align:center}
.mx-auto{margin-left:auto;margin-right:auto}
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}.mt-5{margin-top:2.5rem}.mt-6{margin-top:3rem}
.mb-1{margin-bottom:.5rem}.mb-2{margin-bottom:1rem}.mb-3{margin-bottom:1.5rem}.mb-4{margin-bottom:2rem}

/* ===== ANIMATIONS ===== */
.reveal{opacity:0;transform:translateY(24px);transition:all .65s cubic-bezier(.16,1,.3,1)}
.reveal.visible{opacity:1;transform:translateY(0)}
@keyframes fadeUp{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:translateY(0)}}

/* ===== PAGE HERO ===== */
.page-hero{padding:10rem 5% 4.5rem;background:linear-gradient(160deg,var(--blue-deep) 0%,var(--blue-mid) 50%,#2874A6 100%);position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:60px 60px}
.page-hero>*{position:relative;z-index:1}

/* ===== CARDS ===== */
.card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:1.8rem;transition:all .3s}
.card:hover{border-color:var(--blue-wash);transform:translateY(-3px);box-shadow:var(--shadow-hover)}
.card-icon{width:48px;height:48px;border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.card-icon svg{width:24px;height:24px;stroke-width:2;fill:none}
.card-icon-blue{background:var(--blue-tint)}.card-icon-blue svg{stroke:var(--blue-bright)}
.card-icon-green{background:var(--green-wash)}.card-icon-green svg{stroke:var(--green-500)}

/* ===== GRID ===== */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}

/* ===== PROOF BAR ===== */
.proof-bar{background:var(--gray-50);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200);padding:1.5rem 5%}
.proof-bar-inner{display:flex;align-items:center;justify-content:center;gap:2.5rem;flex-wrap:wrap;max-width:1140px;margin:0 auto}
.pb-item{display:flex;align-items:center;gap:.7rem;white-space:nowrap}
.pb-icon{width:36px;height:36px;border-radius:8px;display:flex;align-items:center;justify-content:center;background:var(--white);border:1px solid var(--gray-200)}
.pb-icon svg{width:18px;height:18px;fill:none;stroke-width:2}
.pb-val{font-size:1.05rem;font-weight:800;color:var(--blue-deep)}
.pb-desc{font-size:.78rem;color:var(--gray-400)}

/* ===== TESTIMONIAL CARDS ===== */
.test-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:1.8rem;transition:all .3s}
.test-card:hover{border-color:var(--blue-wash);box-shadow:var(--shadow-card)}
.tc-stars{color:var(--amber);font-size:.85rem;letter-spacing:2px;margin-bottom:.8rem}
.tc-quote{font-size:.9rem;color:var(--gray-600);line-height:1.75;font-style:italic;margin-bottom:1.2rem}
.tc-author{display:flex;align-items:center;gap:.7rem;padding-top:1rem;border-top:1px solid var(--gray-100)}
.tc-avatar{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--blue-bright),var(--blue-light));display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--white);font-size:.85rem}
.tc-name{font-weight:700;font-size:.85rem;color:var(--gray-800)}
.tc-loc{font-size:.75rem;color:var(--gray-400)}

/* ===== FAQ ===== */
.faq-list{max-width:780px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--gray-200)}
.faq-q{display:flex;justify-content:space-between;align-items:center;cursor:pointer;padding:1.2rem 0;font-weight:700;font-size:.98rem;color:var(--gray-900)}
.faq-q::after{content:'+';font-size:1.4rem;color:var(--blue-bright);transition:transform .3s;font-weight:400}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s,padding .3s}
.faq-item.open .faq-a{max-height:300px;padding-bottom:1.2rem}
.faq-a p{color:var(--gray-500);font-size:.92rem;line-height:1.75}

/* ===== CTA BANNER ===== */
.cta-banner{background:linear-gradient(135deg,var(--blue-deep),var(--blue-mid));padding:4.5rem 5%;text-align:center;position:relative;overflow:hidden}
.cta-banner::before{content:'';position:absolute;top:-50%;left:30%;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(96,165,250,.15) 0%,transparent 60%);filter:blur(40px)}
.cta-banner>*{position:relative;z-index:1}
.cta-banner h2{font-size:clamp(1.8rem,3vw,2.4rem);font-weight:800;color:var(--white);margin-bottom:.8rem;letter-spacing:-.02em}
.cta-banner p{color:rgba(255,255,255,.5);font-size:1rem;max-width:500px;margin:0 auto 2rem;line-height:1.7}
.cta-note{margin-top:1rem;font-size:.78rem;color:rgba(255,255,255,.3)}

/* ===== WEBINAR CTA ===== */
.webinar-box{background:linear-gradient(135deg,var(--blue-tint),var(--blue-wash));border:2px solid var(--blue-wash);border-radius:var(--radius-xl);padding:2.5rem;display:flex;align-items:center;gap:2rem}
.webinar-box-icon{width:80px;height:80px;min-width:80px;border-radius:50%;background:var(--blue-bright);display:flex;align-items:center;justify-content:center}
.webinar-box-icon svg{width:36px;height:36px;stroke:var(--white);fill:none;stroke-width:2}
.webinar-box h3{font-size:1.2rem;font-weight:800;color:var(--blue-deep);margin-bottom:.4rem}
.webinar-box p{font-size:.9rem;color:var(--gray-500);line-height:1.7;margin-bottom:1rem}

/* ===== FORMS ===== */
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-bottom:.8rem}
.form-group{margin-bottom:.8rem}
.form-group label{display:block;font-size:.82rem;font-weight:600;color:var(--gray-700);margin-bottom:.35rem}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.85rem 1rem;border-radius:var(--radius-sm);border:1.5px solid var(--gray-200);font-size:.9rem;font-family:inherit;color:var(--gray-800);background:var(--gray-50);transition:all .25s;outline:none}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--blue-light);box-shadow:0 0 0 3px rgba(59,130,246,.08);background:var(--white)}
.form-group textarea{resize:vertical;min-height:90px}

/* ===== EMPATHY QUOTE BOX ===== */
.quote-box{background:linear-gradient(135deg,var(--blue-deep),var(--blue-mid));border-radius:var(--radius-xl);padding:2.8rem;position:relative;overflow:hidden}
.quote-box::before{content:'\201C';position:absolute;top:-10px;left:20px;font-size:8rem;font-family:'Libre Baskerville',serif;color:rgba(96,165,250,.12);line-height:1}
.quote-box blockquote{font-family:'Libre Baskerville',serif;font-size:1.15rem;font-style:italic;color:rgba(255,255,255,.85);line-height:1.65;position:relative;z-index:1}
.quote-box .q-attr{margin-top:1.2rem;font-family:'Plus Jakarta Sans',sans-serif;font-size:.85rem;color:rgba(255,255,255,.4)}
.quote-box .q-attr strong{color:var(--blue-pale)}

/* ===== DIFF/PROMISE BOX ===== */
.promise-box{background:linear-gradient(145deg,var(--blue-deep),var(--blue-mid));border-radius:var(--radius-xl);padding:2.8rem;color:var(--white);position:relative;overflow:hidden}
.promise-box::before{content:'';position:absolute;bottom:-40%;right:-20%;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(34,197,94,.12) 0%,transparent 60%)}
.promise-box h3{font-size:1.5rem;font-weight:800;margin-bottom:1rem;position:relative;line-height:1.3}
.promise-box p{font-size:.92rem;color:rgba(255,255,255,.6);line-height:1.75;position:relative}

/* ===== FOOTER ===== */
footer{background:linear-gradient(160deg,var(--blue-deep),var(--blue-mid));color:rgba(255,255,255,.5);padding:4rem 5% 2rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:2.5rem;max-width:1140px;margin:0 auto 2.5rem}
.footer-brand p{font-size:.82rem;line-height:1.7;max-width:260px;margin-top:.7rem}
.footer-col h4{color:var(--white);font-size:.88rem;font-weight:700;margin-bottom:.9rem}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:.4rem}
.footer-col ul li a{color:rgba(255,255,255,.4);font-size:.82rem;transition:color .2s}
.footer-col ul li a:hover{color:var(--blue-pale)}
.footer-nl p{font-size:.82rem;margin-bottom:.7rem}
.nl-form{display:flex;gap:.4rem}
.nl-form input{flex:1;padding:.6rem .8rem;border-radius:8px;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.04);color:var(--white);font-size:.82rem;font-family:inherit;outline:none}
.nl-form input::placeholder{color:rgba(255,255,255,.25)}
.nl-form input:focus{border-color:var(--blue-bright)}
.nl-form button{background:var(--blue-bright);color:var(--white);border:none;padding:.6rem 1.2rem;border-radius:8px;font-size:.82rem;font-weight:600;cursor:pointer;font-family:inherit}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:1.5rem;display:flex;justify-content:space-between;align-items:center;max-width:1140px;margin:0 auto;font-size:.75rem}
.footer-links{display:flex;gap:1.5rem}
.footer-links a{color:rgba(255,255,255,.3);transition:color .2s}
.footer-links a:hover{color:var(--blue-pale)}
.footer-compliance{border-top:1px solid rgba(255,255,255,.06);margin-top:1.5rem;padding-top:1.5rem;max-width:1140px;margin-left:auto;margin-right:auto}
.footer-compliance p{font-size:.7rem;color:rgba(255,255,255,.25);line-height:1.7;margin-bottom:.6rem}

/* ===== STICKY MOBILE CTA ===== */
.sticky-mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:998;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-top:1px solid var(--gray-200);padding:.65rem 5%;box-shadow:0 -4px 20px rgba(0,0,0,.06);transform:translateY(100%);transition:transform .3s ease}
.smc-inner{display:flex;align-items:center;gap:.6rem}
.smc-text{flex:1;font-size:.78rem;color:var(--gray-500);line-height:1.3}
.smc-text strong{color:var(--blue-deep);font-size:.85rem;display:block}
.smc-btn{background:var(--green-500);color:var(--white);padding:.7rem 1.4rem;border-radius:8px;font-size:.82rem;font-weight:700;white-space:nowrap;cursor:pointer;border:none;font-family:inherit;transition:background .2s}
.smc-btn:hover{background:var(--green-600)}

/* ===== BLOG GRID ===== */
.blog-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:all .3s}
.blog-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-hover)}
.blog-card-img{height:180px;background:linear-gradient(135deg,var(--blue-tint),var(--blue-wash));display:flex;align-items:center;justify-content:center}
.blog-card-img svg{width:48px;height:48px;stroke:var(--blue-bright);fill:none;stroke-width:1.5}
.blog-card-body{padding:1.5rem}
.blog-card-tag{font-size:.72rem;font-weight:700;color:var(--blue-bright);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.4rem}
.blog-card-body h3{font-size:1.05rem;font-weight:700;color:var(--gray-900);margin-bottom:.4rem;line-height:1.35}
.blog-card-body p{font-size:.85rem;color:var(--gray-500);line-height:1.65}
.blog-card-meta{padding:0 1.5rem 1.2rem;font-size:.75rem;color:var(--gray-400)}

/* ===== CALCULATOR ===== */
.calc-box{background:var(--white);border:2px solid var(--gray-200);border-radius:var(--radius-xl);padding:2rem;max-width:500px}
.calc-box h3{font-size:1.1rem;font-weight:800;color:var(--blue-deep);margin-bottom:1rem}
.calc-result{background:var(--green-wash);border:1px solid rgba(34,197,94,.2);border-radius:var(--radius-md);padding:1.2rem;margin-top:1rem;text-align:center}
.calc-result .cr-number{font-size:1.8rem;font-weight:800;color:var(--green-600)}
.calc-result .cr-label{font-size:.82rem;color:var(--gray-500)}

/* ===== LEGAL PAGES ===== */
.legal-content{max-width:780px;margin:0 auto;color:var(--gray-600);font-size:.92rem;line-height:1.8}
.legal-content h2{font-size:1.2rem;font-weight:800;color:var(--gray-900);margin:2rem 0 .8rem}
.legal-content p{margin-bottom:.8rem}

/* ===== HERO GRID ===== */
.hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:4rem}
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem}

/* ===== RESPONSIVE ===== */
@media(max-width:1024px){
  .grid-3{grid-template-columns:1fr 1fr}
  .grid-4{grid-template-columns:1fr 1fr}
  .grid-2-lg{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .webinar-box{flex-direction:column;text-align:center}
  .webinar-box-icon{margin:0 auto}
  .hero-grid{grid-template-columns:1fr!important;gap:2rem!important}
  .content-grid{grid-template-columns:1fr!important;gap:2rem!important}
}
@media(max-width:768px){
  .nav-links,.nav-phone{display:none}
  .mobile-toggle{display:block}
  .section{padding:4rem 5%}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .proof-bar-inner{gap:1.5rem}
  .footer-grid{grid-template-columns:1fr;gap:2rem}
  .footer-bottom{flex-direction:column;gap:.8rem;text-align:center}
  .cta-banner{padding:3.5rem 5%}
  .page-hero{padding:8rem 5% 3.5rem}
  .sticky-mobile-cta{display:block}
  .hero-grid{grid-template-columns:1fr!important;gap:2rem!important}
  .hero-badges-col{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
  .content-grid{grid-template-columns:1fr!important;gap:2rem!important}
  .proof-bar-inner{flex-direction:column;align-items:flex-start;gap:1rem}
}