/* ===========================
           BRANDS SECTION
           =========================== */
        .brands-section {
            padding: 80px 0 60px;
            background: var(--bg-white);
            text-align: center;
        }

        .brands-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 30px;
            margin-bottom: 40px;
        }

        .brand-card {
            text-align: center;
        }

        .brand-card img {
            width: 100%;
            border-radius: 8px;
            margin-bottom: 16px;
            aspect-ratio: 3/2;
            object-fit: cover;
            background: var(--bg-light);
        }

        .brand-card h3 {
            font-size: 18px;
            margin-bottom: 8px;
        }

        .brand-card p {
            font-size: 14px;
            color: var(--text-body);
        }

        .brands-quote {
            max-width: 700px;
            margin: 40px auto;
            padding: 30px 40px;
            background: var(--bg-light);
            border-radius: 8px;
            font-style: italic;
            color: var(--text-body);
            font-size: 16px;
            line-height: 1.8;
        }

        .brands-quote cite {
            display: block;
            margin-top: 16px;
            font-style: normal;
            font-weight: 600;
            color: var(--text-heading);
            font-size: 14px;
        }

        .financing-callout {
            font-family: var(--font-display);
            font-size: 24px;
            font-weight: 700;
            color: var(--brand-primary);
            margin-top: 20px;
        }

        /* ===========================
           HOW IT WORKS
           =========================== */
        .how-it-works {
            padding: var(--section-padding);
            background: var(--bg-light);
            position: relative;
        }

        .how-it-works .section-title {
            text-align: center;
            margin-bottom: 60px;
        }

        .how-it-works .section-title h2 {
            font-size: 32px;
            margin-bottom: 8px;
        }

        .steps-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 30px;
            margin-bottom: 80px;
        }

        .step-card {
            text-align: center;
            padding: 30px 20px;
        }

        .step-icon {
            width: 70px;
            height: 70px;
            border-radius: 50%;
            background: var(--brand-primary);
            color: #fff;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
            font-size: 28px;
        }

        .step-card h3 {
            font-size: 16px;
            font-weight: 700;
            line-height: 1.4;
        }

        /* Why Choose - inside how it works */
        .why-choose {
            display: grid;
            grid-template-columns: 2fr 3fr;
            gap: 60px;
            align-items: center;
            padding-top: 40px;
        }

        .why-choose-img img {
            border-radius: 8px;
            width: 100%;
            aspect-ratio: 3/2;
            object-fit: cover;
            background: var(--bg-light);
            border: 1px solid var(--border-light);
        }

        .why-choose-content h2 {
            font-size: 30px;
            margin-bottom: 20px;
        }

        .why-choose-content p {
            font-size: 16px;
            line-height: 1.8;
            margin-bottom: 20px;
        }

        .why-choose-content ul {
            list-style: none;
            margin-bottom: 28px;
        }

        .why-choose-content ul li {
            position: relative;
            padding-left: 28px;
            margin-bottom: 12px;
            font-size: 15px;
        }

        .why-choose-content ul li::before {
            content: "✓";
            position: absolute;
            left: 0;
            color: var(--brand-secondary);
            font-weight: 700;
            font-size: 16px;
        }

        /* ===========================
           DIFFERENTIATORS
           =========================== */
        .differentiators {
            padding: var(--section-padding);
            background: var(--bg-white);
            text-align: center;
        }

        .differentiators .section-title {
            margin-bottom: 50px;
        }

        .differentiators .section-title h2 {
            font-size: 30px;
            margin-bottom: 12px;
        }

        .diff-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 30px;
            margin-bottom: 40px;
        }

        .diff-card {
            display: flex;
            align-items: flex-start;
            gap: 20px;
            text-align: left;
            padding: 30px;
            border-radius: 8px;
            background: var(--bg-light);
            border: 1px solid var(--border-light);
        }

        .diff-card-icon {
            width: 56px;
            height: 56px;
            flex-shrink: 0;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 28px;
        }

        .diff-card h3 {
            font-size: 18px;
            margin-bottom: 8px;
        }

        .diff-card p {
            font-size: 14px;
            color: var(--text-body);
            line-height: 1.7;
        }

        /* ===========================
           SERVICES SECTION
           =========================== */
        .services-section {
            padding: var(--section-padding);
            background: var(--brand-primary);
            color: #fff;
        }

        .services-section .section-title {
            text-align: center;
            margin-bottom: 50px;
        }

        .services-section .section-title h2 {
            color: #fff;
            font-size: 32px;
        }

        .services-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 24px;
        }

        .service-card {
            background: rgba(255,255,255,0.08);
            border-radius: 8px;
            overflow: hidden;
            transition: transform 0.3s, box-shadow 0.3s;
        }

        .service-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 12px 40px rgba(0,0,0,0.2);
        }

        .service-card img {
            width: 100%;
            aspect-ratio: 4/3;
            object-fit: cover;
            background: rgba(255,255,255,0.05);
        }

        .service-card-body {
            padding: 24px;
        }

        .service-card h3 {
            color: #fff;
            font-size: 20px;
            margin-bottom: 12px;
        }

        .service-card p {
            color: rgba(255,255,255,0.75);
            font-size: 14px;
            line-height: 1.7;
        }

        /* ===========================
           TESTIMONIALS + BENEFITS
           =========================== */
        .testimonials-benefits {
            padding: var(--section-padding);
            background: var(--bg-light);
        }

        .tb-grid {
            display: grid;
            grid-template-columns: 1fr 2fr;
            gap: 50px;
        }

        .testimonial-card {
            background: var(--bg-white);
            border: 1px solid var(--border-light);
            border-radius: 8px;
            padding: 30px;
            margin-bottom: 20px;
        }

        .testimonial-card blockquote {
            font-style: italic;
            font-size: 15px;
            color: var(--text-body);
            line-height: 1.8;
            margin-bottom: 16px;
        }

        .testimonial-card cite {
            font-style: normal;
            font-weight: 600;
            color: var(--text-heading);
            font-size: 14px;
        }

        .benefits-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
        }

        .benefit-card {
            background: var(--bg-white);
            border: 1px solid var(--border-light);
            border-radius: 8px;
            padding: 30px;
        }

        .benefit-card .benefit-icon {
            font-size: 32px;
            margin-bottom: 16px;
        }

        .benefit-card h3 {
            font-size: 17px;
            margin-bottom: 10px;
        }

        .benefit-card p {
            font-size: 14px;
            color: var(--text-body);
            line-height: 1.7;
        }

        /* ===========================
           REVIEWS SECTION
           =========================== */
        .reviews-section {
            padding: var(--section-padding);
            background: var(--bg-dark);
            color: #fff;
        }

        .reviews-section .section-title {
            text-align: center;
            margin-bottom: 20px;
        }

        .reviews-section .section-title h2 {
            color: #fff;
            font-size: 32px;
        }

        .reviews-featured {
            text-align: center;
            max-width: 700px;
            margin: 0 auto 50px;
        }

        .reviews-featured blockquote {
            font-size: 18px;
            font-style: italic;
            color: rgba(255,255,255,0.85);
            line-height: 1.8;
            margin-bottom: 16px;
        }

        .reviews-featured cite {
            font-style: normal;
            color: var(--brand-secondary);
            font-weight: 600;
        }

        .google-badge {
            display: inline-flex;
            align-items: center;
            gap: 12px;
            background: rgba(255,255,255,0.08);
            border-radius: 100px;
            padding: 12px 28px;
            margin-bottom: 40px;
        }

        .google-badge .g-icon {
            font-size: 24px;
        }

        .google-badge .g-rating {
            font-family: var(--font-display);
            font-size: 20px;
            font-weight: 700;
            color: #fff;
        }

        .google-badge .g-stars {
            color: #fabb05;
            font-size: 16px;
            letter-spacing: 2px;
        }

        .google-badge .g-count {
            font-size: 13px;
            color: rgba(255,255,255,0.6);
            border-left: 1px solid rgba(255,255,255,0.15);
            padding-left: 12px;
        }

        .reviews-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 20px;
        }

        .review-card {
            background: rgba(255,255,255,0.06);
            border: 1px solid rgba(255,255,255,0.08);
            border-radius: 8px;
            padding: 28px;
        }

        .review-card .review-stars {
            color: #fabb05;
            font-size: 14px;
            letter-spacing: 2px;
            margin-bottom: 16px;
        }

        .review-card .review-text {
            font-size: 14px;
            color: rgba(255,255,255,0.8);
            line-height: 1.8;
            margin-bottom: 20px;
            font-style: italic;
        }

        .review-card .review-author {
            display: flex;
            align-items: center;
            gap: 12px;
        }

        .review-avatar {
            width: 40px;
            height: 40px;
            border-radius: 50%;
            background: var(--brand-secondary);
            display: flex;
            align-items: center;
            justify-content: center;
            font-family: var(--font-display);
            font-weight: 700;
            font-size: 14px;
            color: #fff;
            flex-shrink: 0;
        }

        .review-name {
            font-weight: 600;
            font-size: 14px;
            color: #fff;
        }

        .review-location {
            font-size: 12px;
            color: rgba(255,255,255,0.5);
        }

        .review-source {
            display: flex;
            align-items: center;
            gap: 4px;
            font-size: 11px;
            color: rgba(255,255,255,0.4);
            margin-top: 2px;
        }

        .review-source .gdot {
            width: 7px;
            height: 7px;
            border-radius: 50%;
            background: #4285f4;
        }

        .reviews-write-cta {
            text-align: center;
            margin-top: 40px;
        }

        /* ===========================
           QUOTE FORM SECTION
           =========================== */
        .quote-section {
            padding: var(--section-padding);
            background: var(--bg-white);
        }

        .quote-section .section-title {
            text-align: center;
            margin-bottom: 50px;
        }

        .quote-section .section-title h2 {
            font-size: 32px;
            margin-bottom: 12px;
        }

        .quote-grid {
            display: grid;
            grid-template-columns: 3fr 2fr;
            gap: 50px;
            align-items: start;
        }

        .quote-form {
            background: var(--bg-light);
            border: 1px solid var(--border-light);
            border-radius: 8px;
            padding: 40px;
        }

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

        .form-group {
            margin-bottom: 16px;
        }

        .form-group label {
            display: block;
            font-size: 13px;
            font-weight: 600;
            color: var(--text-heading);
            margin-bottom: 6px;
        }

        .form-group input,
        .form-group select,
        .form-group textarea {
            width: 100%;
            padding: 12px 16px;
            border: 1px solid var(--border-input);
            border-radius: 4px;
            font-family: var(--font-body);
            font-size: 15px;
            color: var(--text-heading);
            background: var(--bg-white);
            transition: border-color 0.2s;
        }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: var(--brand-primary);
            box-shadow: 0 0 0 3px rgba(31,59,77,0.1);
        }

        .form-group textarea {
            resize: vertical;
            min-height: 100px;
        }

        .form-submit-btn {
            width: 100%;
            padding: 16px;
            background: var(--brand-primary);
            color: #fff;
            font-family: var(--font-display);
            font-size: 17px;
            font-weight: 700;
            border: none;
            border-radius: 4px;
            cursor: pointer;
            transition: background 0.2s;
        }

        .form-submit-btn:hover {
            background: var(--brand-primary-hover);
        }

        .form-submit-btn:disabled {
            opacity: 0.6;
            cursor: not-allowed;
        }

        .quote-sidebar .testimonial-card {
            background: var(--bg-light);
        }

        /* ===========================
           FOOTER
           =========================== */
        .site-footer {
            background: var(--header-bg);
            color: rgba(255,255,255,0.7);
            padding: 60px 0 30px;
        }

        .footer-inner {
            display: grid;
            grid-template-columns: 2fr 1fr 1fr 1fr;
            gap: 40px;
            margin-bottom: 40px;
        }

        .footer-brand p {
            font-size: 14px;
            line-height: 1.8;
            color: rgba(255,255,255,0.6);
            margin-top: 16px;
        }

        .footer-col h4 {
            color: #fff;
            font-family: var(--font-display);
            font-size: 15px;
            font-weight: 700;
            margin-bottom: 20px;
            text-transform: uppercase;
            letter-spacing: 1px;
        }

        .footer-col ul {
            list-style: none;
        }

        .footer-col ul li {
            margin-bottom: 10px;
        }

        .footer-col ul li a {
            color: rgba(255,255,255,0.6);
            font-size: 14px;
            transition: color 0.2s;
        }

        .footer-col ul li a:hover {
            color: #fff;
        }

        .footer-contact p {
            display: flex;
            align-items: center;
            gap: 8px;
            margin-bottom: 10px;
            font-size: 14px;
        }

        .footer-contact a {
            color: rgba(255,255,255,0.8);
        }

        .footer-contact a:hover {
            color: #fff;
        }

        .footer-bottom {
            border-top: 1px solid rgba(255,255,255,0.1);
            padding-top: 24px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            flex-wrap: wrap;
            gap: 16px;
        }

        .footer-bottom p {
            font-size: 13px;
            color: rgba(255,255,255,0.4);
            margin: 0;
        }

        .footer-bottom-links {
            display: flex;
            gap: 20px;
        }

        .footer-bottom-links a {
            font-size: 13px;
            color: rgba(255,255,255,0.4);
        }

        .footer-bottom-links a:hover {
            color: rgba(255,255,255,0.7);
        }

        /* ===========================
           STICKY MOBILE CTA BAR
           =========================== */
        .sticky-mobile-bar {
            display: none;
            position: fixed;
            bottom: 0;
            left: 0;
            right: 0;
            z-index: 9000;
            background: #d97706;
            color: #fff;
            padding: 0;
            box-shadow: 0 -4px 20px rgba(0,0,0,0.25);
            transform: translateY(100%);
            transition: transform 0.35s cubic-bezier(0.25,0.46,0.45,0.94);
        }
        .sticky-mobile-bar.bar-visible {
            transform: translateY(0);
        }
        .sticky-mobile-bar-inner {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 12px 16px;
            gap: 12px;
        }
        .sticky-mobile-bar-link {
            flex: 1;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 8px;
            color: #fff;
            text-decoration: none;
            font-family: var(--font-display);
            font-size: 15px;
            font-weight: 700;
            letter-spacing: 0.3px;
        }
        .sticky-mobile-bar-link:hover { color: #fff; opacity: 0.92; }
        .sticky-mobile-bar-arrow {
            font-size: 18px;
            line-height: 1;
        }
        .sticky-mobile-bar-dismiss {
            background: none;
            border: none;
            color: rgba(255,255,255,0.75);
            font-size: 22px;
            line-height: 1;
            cursor: pointer;
            padding: 2px 6px;
            flex-shrink: 0;
        }
        .sticky-mobile-bar-dismiss:hover { color: #fff; }

        /* ===========================
           EXIT-INTENT POPUP
           =========================== */
        .exit-popup-overlay {
            display: none;
            position: fixed;
            inset: 0;
            z-index: 9999;
            background: rgba(0,0,0,0.65);
            align-items: center;
            justify-content: center;
            padding: 20px;
        }
        .exit-popup-overlay.popup-open {
            display: flex;
        }
        .exit-popup-box {
            background: #1a2d3e;
            border-radius: 16px;
            max-width: 480px;
            width: 100%;
            padding: 40px 36px 32px;
            text-align: center;
            position: relative;
            box-shadow: 0 24px 80px rgba(0,0,0,0.5);
            animation: popupIn 0.3s cubic-bezier(0.34,1.56,0.64,1) both;
        }
        @keyframes popupIn {
            from { opacity: 0; transform: scale(0.88) translateY(20px); }
            to   { opacity: 1; transform: scale(1) translateY(0); }
        }
        .exit-popup-close {
            position: absolute;
            top: 14px;
            right: 18px;
            background: none;
            border: none;
            color: rgba(255,255,255,0.5);
            font-size: 26px;
            cursor: pointer;
            line-height: 1;
        }
        .exit-popup-close:hover { color: #fff; }
        .exit-popup-stars {
            color: #f59e0b;
            font-size: 22px;
            letter-spacing: 2px;
            margin-bottom: 16px;
        }
        .exit-popup-headline {
            font-family: var(--font-display);
            font-size: 22px;
            font-weight: 800;
            color: #fff;
            line-height: 1.3;
            margin-bottom: 12px;
        }
        .exit-popup-sub {
            font-size: 14px;
            color: rgba(255,255,255,0.65);
            margin-bottom: 28px;
            line-height: 1.6;
        }
        .exit-popup-cta {
            display: block;
            background: #d97706;
            color: #fff;
            font-family: var(--font-display);
            font-size: 16px;
            font-weight: 700;
            padding: 16px 32px;
            border-radius: 50px;
            text-decoration: none;
            margin-bottom: 16px;
            transition: background 0.2s, transform 0.15s;
        }
        .exit-popup-cta:hover {
            background: #b45309;
            color: #fff;
            transform: translateY(-2px);
        }
        .exit-popup-nothanks {
            display: block;
            font-size: 13px;
            color: rgba(255,255,255,0.4);
            cursor: pointer;
            text-decoration: underline;
            background: none;
            border: none;
        }
        .exit-popup-nothanks:hover { color: rgba(255,255,255,0.7); }

        /* ===========================
           MID-PAGE CTA SECTION
           =========================== */
        .midpage-cta-section {
            background: linear-gradient(135deg, #1a2e3d 0%, #0f1f2b 100%);
            padding: 70px 0;
            position: relative;
            overflow: hidden;
        }

        .midpage-cta-section::before {
            content: '';
            position: absolute;
            inset: 0;
            background: radial-gradient(ellipse at 70% 50%, rgba(78,146,113,0.12) 0%, transparent 60%);
        }

        .midpage-cta-inner {
            position: relative;
            z-index: 1;
            text-align: center;
            max-width: 680px;
            margin: 0 auto;
        }

        .midpage-urgency-tag {
            display: inline-block;
            background: rgba(245,158,11,0.15);
            color: #f59e0b;
            font-family: var(--font-display);
            font-size: 12px;
            font-weight: 700;
            letter-spacing: 1.5px;
            text-transform: uppercase;
            padding: 6px 16px;
            border-radius: 100px;
            margin-bottom: 20px;
            border: 1px solid rgba(245,158,11,0.3);
        }

        .midpage-cta-section h2 {
            color: #ffffff;
            font-size: 34px;
            font-weight: 800;
            margin-bottom: 14px;
            line-height: 1.2;
        }

        .midpage-cta-section .midpage-subtext {
            color: rgba(255,255,255,0.7);
            font-size: 16px;
            margin-bottom: 32px;
            line-height: 1.7;
        }

        .btn-quiz-cta {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            background: var(--brand-secondary);
            color: #fff !important;
            font-family: var(--font-display);
            font-size: 18px;
            font-weight: 800;
            padding: 20px 48px;
            border-radius: var(--btn-radius);
            text-decoration: none;
            transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
            box-shadow: 0 4px 20px rgba(78,146,113,0.4);
            letter-spacing: 0.3px;
        }

        .btn-quiz-cta:hover {
            background: var(--brand-secondary-hover);
            transform: translateY(-2px);
            box-shadow: 0 8px 30px rgba(78,146,113,0.5);
            color: #fff !important;
        }

        .btn-quiz-cta::after {
            content: "→";
            font-size: 20px;
            transition: transform 0.2s;
        }

        .btn-quiz-cta:hover::after {
            transform: translateX(4px);
        }

        .midpage-cta-note {
            margin-top: 14px;
            font-size: 13px;
            color: rgba(255,255,255,0.45);
        }

        /* ===========================
           FAQ SECTION (homepage)
           =========================== */
        .faq-section {
            padding: var(--section-padding);
            background: var(--bg-white);
        }

        .faq-section .section-title {
            margin-bottom: 40px;
        }

        .faq-section .section-subtitle {
            color: var(--text-body);
            font-size: 16px;
            margin-top: 8px;
        }

        .faq-list {
            max-width: 800px;
            margin: 0 auto;
        }

        .faq-item {
            background: var(--bg-light);
            border: 1px solid var(--border-light);
            border-radius: 8px;
            margin-bottom: 14px;
            overflow: hidden;
            transition: border-color 0.3s, box-shadow 0.3s;
        }

        .faq-item:hover {
            border-color: var(--brand-secondary);
            box-shadow: 0 2px 8px rgba(31, 59, 77, 0.05);
        }

        .faq-item.open {
            border-color: var(--brand-secondary);
        }

        .faq-question {
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 20px;
            padding: 20px 24px;
            cursor: pointer;
            user-select: none;
            -webkit-user-select: none;
        }

        .faq-question h3 {
            font-size: 17px;
            font-weight: 700;
            line-height: 1.4;
            color: var(--text-heading);
            flex: 1;
            margin-bottom: 0;
        }

        .faq-toggle {
            width: 40px;
            height: 40px;
            border-radius: 8px;
            background: var(--brand-primary);
            color: var(--text-light);
            font-size: 22px;
            font-weight: 600;
            line-height: 1;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            transition: transform 0.3s ease, background 0.3s ease;
        }

        .faq-item.open .faq-toggle {
            transform: rotate(45deg);
            background: var(--brand-secondary);
        }

        .faq-answer {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.4s ease;
        }

        .faq-answer-inner {
            padding: 0 24px 24px;
        }

        .faq-answer-inner p {
            font-size: 15px;
            line-height: 1.7;
            color: var(--text-body);
            margin-bottom: 0;
        }

        .faq-answer-inner a {
            color: var(--brand-primary);
            text-decoration: underline;
            font-weight: 600;
        }

        .faq-answer-inner a:hover {
            color: var(--brand-primary-hover);
        }

        @media (max-width: 768px) {
            .faq-section { padding: 60px 0; }
            .faq-question { padding: 18px 20px; gap: 14px; }
            .faq-question h3 { font-size: 16px; }
            .faq-answer-inner { padding: 0 20px 20px; }
        }