/* ============================================================
   Water Damage Restoration Guide — Design System
   Color story: deep ocean navy + teal trust + amber urgency
   ============================================================ */

:root {
  /* Core palette */
  --navy:        #0b1e3d;
  --navy-mid:    #153260;
  --navy-light:  #1e4a8a;
  --teal:        #0a6e5c;
  --teal-light:  #0f9478;
  --teal-pale:   #e6f4f1;
  --amber:       #c8520c;
  --amber-light: #e06518;
  --amber-pale:  #fff3eb;

  /* Neutral scale */
  --gray-50:  #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --white:    #ffffff;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Scale */
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;
  --text-6xl:  3.75rem;

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Layout */
  --container: min(1160px, 92vw);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 32px;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10), 0 2px 6px rgba(0,0,0,0.06);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.14);
  --shadow-glow-teal: 0 0 0 3px rgba(10,110,92,0.25);

  /* Motion */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --duration: 0.22s;
}

/* ============================================================
   RESET & BASE
   ============================================================ */

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.7;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--teal);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color var(--duration) var(--ease);
}

a:hover { color: var(--teal-light); }
a:focus-visible { outline: 2px solid var(--teal); outline-offset: 3px; border-radius: 2px; }

ul, ol { padding-left: var(--space-6); }
li { margin-bottom: var(--space-2); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */

.container {
  width: var(--container);
  margin-inline: auto;
}

.section {
  padding-block: var(--space-20);
}

.section--alt {
  background: var(--gray-50);
}

.section--dark {
  background: var(--navy);
  color: var(--white);
}

.section__eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: var(--space-3);
}

.section__title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-3xl), 4vw, var(--text-5xl));
  font-weight: 700;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: var(--space-4);
}

.section--dark .section__title { color: var(--white); }

.section__lead {
  font-size: var(--text-lg);
  color: var(--gray-600);
  max-width: 60ch;
  line-height: 1.75;
}

.section--dark .section__lead { color: rgba(255,255,255,0.75); }

.text-center { text-align: center; }
.text-center .section__lead { margin-inline: auto; }

/* ============================================================
   EMERGENCY BAR
   ============================================================ */

.emergency-bar {
  background: var(--amber);
  color: var(--white);
  padding: var(--space-3) var(--space-4);
  text-align: center;
  font-size: var(--text-sm);
  font-weight: 600;
  position: sticky;
  top: 0;
  z-index: 100;
  letter-spacing: 0.01em;
}

.emergency-bar a {
  color: var(--white);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.emergency-bar a:hover { opacity: 0.85; }

.emergency-bar__icon {
  display: inline-block;
  margin-right: var(--space-2);
  animation: pulse-icon 2s ease-in-out infinite;
}

@keyframes pulse-icon {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.7; transform: scale(1.2); }
}

/* ============================================================
   HEADER / NAV
   ============================================================ */

.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 40px;
  z-index: 90;
  transition: box-shadow var(--duration) var(--ease);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: var(--space-8);
}

.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.site-logo__icon {
  width: 36px;
  height: 36px;
}

.site-logo__text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-lg);
  color: var(--navy);
  line-height: 1.2;
}

.site-logo__text span {
  display: block;
  font-size: var(--text-xs);
  font-family: var(--font-body);
  font-weight: 500;
  color: var(--teal);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  list-style: none;
  padding: 0;
}

.site-nav li { margin: 0; }

.site-nav a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--gray-600);
  text-decoration: none;
  padding: var(--space-2) var(--space-1);
  border-bottom: 2px solid transparent;
  transition: color var(--duration) var(--ease), border-color var(--duration) var(--ease);
}

.site-nav a:hover,
.site-nav a.active {
  color: var(--teal);
  border-bottom-color: var(--teal);
}

.nav-cta {
  background: var(--amber);
  color: var(--white) !important;
  padding: var(--space-2) var(--space-4) !important;
  border-radius: var(--radius-sm);
  border-bottom: none !important;
  font-weight: 600 !important;
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease) !important;
}

.nav-cta:hover {
  background: var(--amber-light) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-2);
  color: var(--navy);
  flex-direction: column;
  gap: 5px;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
  transition: transform var(--duration) var(--ease), opacity var(--duration) var(--ease);
}

/* ============================================================
   HERO
   ============================================================ */

.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0d2e5e 100%);
  position: relative;
  overflow: hidden;
  padding-top: var(--space-24);
  padding-bottom: 120px;
  color: var(--white);
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(10,110,92,0.3) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 30% 70%, rgba(30,122,207,0.2) 0%, transparent 50%);
  pointer-events: none;
}

.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(10,110,92,0.3);
  border: 1px solid rgba(10,148,120,0.5);
  color: #6ee9d3;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: var(--space-2) var(--space-4);
  border-radius: 100px;
  margin-bottom: var(--space-6);
}

.hero__badge-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #6ee9d3;
  animation: pulse-dot 2s ease-in-out infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.7); }
}

.hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin-bottom: var(--space-6);
  color: var(--white);
}

.hero__title em {
  font-style: italic;
  color: #7dd3c8;
}

.hero__lead {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.78);
  line-height: 1.75;
  margin-bottom: var(--space-8);
  max-width: 52ch;
}

.hero__ctas {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
  align-items: center;
}

.hero__stats {
  display: flex;
  gap: var(--space-8);
  margin-top: var(--space-10);
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.12);
}

.hero__stat-value {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.hero__stat-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-top: var(--space-1);
}

/* Hero visual */
.hero__visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero__drop-container {
  position: relative;
  width: 320px;
  height: 380px;
}

.hero__drop {
  width: 100%;
  height: 100%;
  filter: drop-shadow(0 20px 60px rgba(10,110,92,0.5));
  animation: drop-float 6s ease-in-out infinite;
}

@keyframes drop-float {
  0%, 100% { transform: translateY(0px) rotate(0deg); }
  33% { transform: translateY(-12px) rotate(1deg); }
  66% { transform: translateY(-6px) rotate(-1deg); }
}

.hero__ripple {
  position: absolute;
  bottom: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 200px;
  height: 40px;
}

.ripple-circle {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  border: 2px solid rgba(10,148,120,0.4);
  animation: ripple 3s ease-out infinite;
}

.ripple-circle:nth-child(1) { width: 80px; height: 24px; animation-delay: 0s; }
.ripple-circle:nth-child(2) { width: 140px; height: 36px; animation-delay: 0.8s; }
.ripple-circle:nth-child(3) { width: 200px; height: 48px; animation-delay: 1.6s; }

@keyframes ripple {
  0%   { opacity: 0.7; }
  100% { opacity: 0; transform: translate(-50%, -50%) scale(1.3); }
}

/* Wave separator */
.hero__wave {
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 70px;
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.75rem 1.5rem;
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: 600;
  line-height: 1;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-decoration: none;
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
  white-space: nowrap;
}

.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn--primary {
  background: var(--amber);
  color: var(--white);
}

.btn--primary:hover {
  background: var(--amber-light);
  color: var(--white);
  box-shadow: 0 6px 24px rgba(200,82,12,0.4);
}

.btn--secondary {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.3);
}

.btn--secondary:hover {
  background: rgba(255,255,255,0.2);
  color: var(--white);
}

.btn--teal {
  background: var(--teal);
  color: var(--white);
}

.btn--teal:hover {
  background: var(--teal-light);
  color: var(--white);
  box-shadow: 0 6px 24px rgba(10,110,92,0.35);
}

.btn--outline {
  background: transparent;
  color: var(--teal);
  border: 2px solid var(--teal);
}

.btn--outline:hover {
  background: var(--teal);
  color: var(--white);
}

.btn--lg {
  padding: 1rem 2rem;
  font-size: var(--text-lg);
  border-radius: var(--radius-md);
}

.btn__arrow {
  transition: transform var(--duration) var(--ease);
}

.btn:hover .btn__arrow {
  transform: translateX(3px);
}

/* ============================================================
   TRUST BADGES
   ============================================================ */

.trust-strip {
  background: var(--navy);
  padding-block: var(--space-6);
}

.trust-strip .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-12);
  flex-wrap: wrap;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: rgba(255,255,255,0.75);
  font-size: var(--text-sm);
  font-weight: 500;
}

.trust-badge__icon {
  width: 32px;
  height: 32px;
  background: rgba(10,148,120,0.25);
  border: 1px solid rgba(10,148,120,0.4);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

/* ============================================================
   DECISION / FIRST HOUR SECTION
   ============================================================ */

.first-hour {
  padding-block: var(--space-20);
}

.first-hour .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: start;
}

.first-hour__checklist {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.first-hour__checklist li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  padding: var(--space-4) var(--space-5);
  background: var(--gray-50);
  border-radius: var(--radius-md);
  border-left: 4px solid var(--teal);
  margin: 0;
  transition: box-shadow var(--duration) var(--ease);
}

.first-hour__checklist li:hover {
  box-shadow: var(--shadow-md);
}

.checklist-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-size: var(--text-xs);
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

.checklist-text strong {
  display: block;
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-1);
}

.checklist-text p {
  font-size: var(--text-sm);
  color: var(--gray-600);
  margin: 0;
  line-height: 1.6;
}

.warning-box {
  background: var(--amber-pale);
  border: 1px solid rgba(200,82,12,0.25);
  border-left: 4px solid var(--amber);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-6);
  margin-top: var(--space-8);
}

.warning-box__title {
  font-weight: 700;
  color: var(--amber);
  font-size: var(--text-sm);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--space-2);
}

.warning-box p {
  font-size: var(--text-sm);
  color: var(--gray-800);
  margin: 0;
}

/* Decision panel */
.decision-panel {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  color: var(--white);
}

.decision-panel__title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  margin-bottom: var(--space-6);
  line-height: 1.3;
}

.decision-option {
  border-radius: var(--radius-md);
  padding: var(--space-5);
  margin-bottom: var(--space-4);
}

.decision-option:last-child { margin-bottom: 0; }

.decision-option--diy {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
}

.decision-option--pro {
  background: rgba(10,110,92,0.25);
  border: 1px solid rgba(10,148,120,0.4);
}

.decision-option__label {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: var(--space-3);
  padding: var(--space-1) var(--space-3);
  border-radius: 100px;
}

.decision-option--diy .decision-option__label {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.7);
}

.decision-option--pro .decision-option__label {
  background: rgba(10,148,120,0.3);
  color: #6ee9d3;
}

.decision-option ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.decision-option ul li {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.75);
  padding: var(--space-1) 0;
  padding-left: var(--space-5);
  position: relative;
  margin: 0;
}

.decision-option ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 14px;
  height: 14px;
  background-size: contain;
  background-repeat: no-repeat;
}

.decision-option--diy ul li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'%3E%3Ccircle cx='7' cy='7' r='6' fill='rgba(255,255,255,0.2)'/%3E%3C/svg%3E");
}

.decision-option--pro ul li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'%3E%3Ccircle cx='7' cy='7' r='6' fill='%230a9478'/%3E%3Cpath d='M4 7l2 2 4-4' stroke='white' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
}

/* ============================================================
   PROCESS STEPS
   ============================================================ */

.process-section {
  padding-block: var(--space-20);
  background: var(--gray-50);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-12);
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 52px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: linear-gradient(to right, var(--teal), var(--teal-light));
  z-index: 0;
}

.process-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-5);
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  position: relative;
  z-index: 1;
  transition: box-shadow var(--duration) var(--ease), transform var(--duration) var(--ease);
}

.process-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.process-card__step {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--teal);
  margin: 0 auto var(--space-5);
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 900;
  color: var(--white);
  position: relative;
  z-index: 1;
}

.process-card__icon {
  font-size: 1.4rem;
  margin-bottom: var(--space-4);
  display: block;
}

.process-card__title {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
  line-height: 1.3;
}

.process-card__desc {
  font-size: var(--text-xs);
  color: var(--gray-600);
  line-height: 1.6;
  margin: 0;
}

/* ============================================================
   CAUSES GRID
   ============================================================ */

.causes-section {
  padding-block: var(--space-20);
}

.causes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
  margin-top: var(--space-12);
}

.cause-card {
  padding: var(--space-6);
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
  transition: border-color var(--duration) var(--ease), box-shadow var(--duration) var(--ease);
}

.cause-card:hover {
  border-color: var(--teal);
  box-shadow: 0 0 0 1px var(--teal), var(--shadow-sm);
}

.cause-card__icon {
  font-size: 2rem;
  margin-bottom: var(--space-4);
  display: block;
}

.cause-card__title {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}

.cause-card__desc {
  font-size: var(--text-sm);
  color: var(--gray-600);
  line-height: 1.65;
  margin: 0;
}

.cause-card__coverage {
  display: inline-block;
  margin-top: var(--space-3);
  font-size: var(--text-xs);
  font-weight: 600;
  padding: var(--space-1) var(--space-3);
  border-radius: 100px;
}

.coverage--yes {
  background: var(--teal-pale);
  color: var(--teal);
}

.coverage--no {
  background: #fef2f2;
  color: #b91c1c;
}

.coverage--maybe {
  background: #fffbeb;
  color: #d97706;
}

/* ============================================================
   COST SECTION
   ============================================================ */

.cost-section {
  padding-block: var(--space-20);
  background: var(--navy);
  color: var(--white);
}

.cost-section .section__eyebrow { color: #6ee9d3; }

.cost-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: start;
  margin-top: var(--space-12);
}

.cost-tiers {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.cost-tier {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-5);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
}

.cost-tier__icon {
  font-size: 1.6rem;
}

.cost-tier__label {
  font-weight: 600;
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.85);
  margin-bottom: var(--space-1);
}

.cost-tier__desc {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.5);
  margin: 0;
}

.cost-tier__price {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--white);
  text-align: right;
  white-space: nowrap;
}

.cost-tier__price small {
  display: block;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 400;
  color: rgba(255,255,255,0.5);
}

/* Delay cost visualization */
.delay-meter {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
}

.delay-meter__title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  margin-bottom: var(--space-6);
}

.delay-bar-item {
  margin-bottom: var(--space-5);
}

.delay-bar-item:last-child { margin-bottom: 0; }

.delay-bar__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-2);
}

.delay-bar__time {
  font-size: var(--text-sm);
  font-weight: 600;
  color: rgba(255,255,255,0.9);
}

.delay-bar__cost {
  font-size: var(--text-xs);
  font-weight: 700;
  padding: 2px var(--space-2);
  border-radius: 4px;
}

.delay-bar__track {
  height: 10px;
  background: rgba(255,255,255,0.1);
  border-radius: 100px;
  overflow: hidden;
}

.delay-bar__fill {
  height: 100%;
  border-radius: 100px;
  transition: width 1.2s var(--ease);
}

.delay-bar-item:nth-child(1) .delay-bar__fill { background: #22c55e; width: 0; --target: 15%; }
.delay-bar-item:nth-child(2) .delay-bar__fill { background: #f59e0b; width: 0; --target: 40%; }
.delay-bar-item:nth-child(3) .delay-bar__fill { background: #f97316; width: 0; --target: 65%; }
.delay-bar-item:nth-child(4) .delay-bar__fill { background: #ef4444; width: 0; --target: 90%; }

.delay-bar-item:nth-child(1) .delay-bar__cost { background: rgba(34,197,94,0.2); color: #86efac; }
.delay-bar-item:nth-child(2) .delay-bar__cost { background: rgba(245,158,11,0.2); color: #fcd34d; }
.delay-bar-item:nth-child(3) .delay-bar__cost { background: rgba(249,115,22,0.2); color: #fdba74; }
.delay-bar-item:nth-child(4) .delay-bar__cost { background: rgba(239,68,68,0.2); color: #fca5a5; }

.delay-bar-item.animated .delay-bar__fill {
  width: var(--target);
}

.delay-meter__note {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.45);
  margin-top: var(--space-5);
  line-height: 1.6;
}

/* ============================================================
   INSURANCE SECTION
   ============================================================ */

.insurance-section {
  padding-block: var(--space-20);
  background: var(--gray-50);
}

.insurance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  margin-top: var(--space-12);
}

.insurance-col__title {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-5);
  padding-bottom: var(--space-4);
  border-bottom: 2px solid var(--gray-200);
}

.insurance-col__icon {
  font-size: 1.5rem;
}

.insurance-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.insurance-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--gray-600);
  margin: 0;
}

.insurance-list__marker {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  font-size: 11px;
  flex-shrink: 0;
  margin-top: 2px;
  font-weight: 700;
}

.marker--yes {
  background: var(--teal-pale);
  color: var(--teal);
}

.marker--no {
  background: #fef2f2;
  color: #b91c1c;
}

.insurance-tips {
  grid-column: 1 / -1;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
}

.insurance-tips__title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-6);
}

.tips-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

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

.tip-card__number {
  font-family: var(--font-display);
  font-size: var(--text-4xl);
  font-weight: 900;
  color: var(--teal-pale);
  line-height: 1;
  margin-bottom: var(--space-2);
  -webkit-text-stroke: 2px var(--teal);
}

.tip-card__title {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}

.tip-card__desc {
  font-size: var(--text-xs);
  color: var(--gray-600);
  line-height: 1.6;
  margin: 0;
}

/* ============================================================
   HOW TO CHOOSE
   ============================================================ */

.choose-section {
  padding-block: var(--space-20);
}

.choose-checklist {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-10);
}

.choose-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  padding: var(--space-5);
  background: var(--gray-50);
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
}

.choose-item__check {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

.choose-item__text strong {
  display: block;
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-1);
}

.choose-item__text p {
  font-size: var(--text-sm);
  color: var(--gray-600);
  margin: 0;
  line-height: 1.6;
}

.red-flags {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-md);
  padding: var(--space-6);
  margin-top: var(--space-6);
  grid-column: 1 / -1;
}

.red-flags__title {
  font-weight: 700;
  color: #b91c1c;
  font-size: var(--text-base);
  margin-bottom: var(--space-4);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.red-flags ul {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-2) var(--space-8);
  padding-left: var(--space-5);
}

.red-flags ul li {
  font-size: var(--text-sm);
  color: #7f1d1d;
  margin: 0;
}

/* ============================================================
   GUIDE CTA BANNER
   ============================================================ */

.guide-cta {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-mid) 100%);
  padding-block: var(--space-20);
  position: relative;
  overflow: hidden;
  text-align: center;
  color: var(--white);
}

.guide-cta::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.guide-cta .section__title {
  color: var(--white);
  max-width: 16ch;
  margin-inline: auto;
}

.guide-cta .section__lead {
  color: rgba(255,255,255,0.78);
  max-width: 48ch;
  margin-inline: auto;
  margin-bottom: var(--space-8);
}

/* ============================================================
   FAQ
   ============================================================ */

.faq-section {
  padding-block: var(--space-20);
  background: var(--gray-50);
}

.faq-list {
  margin-top: var(--space-12);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  max-width: 800px;
  margin-inline: auto;
  margin-top: var(--space-12);
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow var(--duration) var(--ease);
}

.faq-item:hover {
  box-shadow: var(--shadow-sm);
}

.faq-item.open {
  border-color: var(--teal);
  box-shadow: var(--shadow-glow-teal);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--navy);
  transition: color var(--duration) var(--ease);
}

.faq-item.open .faq-question { color: var(--teal); }

.faq-question__icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background var(--duration) var(--ease), transform var(--duration) var(--ease);
}

.faq-item.open .faq-question__icon {
  background: var(--teal);
  transform: rotate(45deg);
}

.faq-question__icon svg {
  width: 12px;
  height: 12px;
  fill: none;
  stroke: var(--gray-600);
  stroke-width: 2;
  stroke-linecap: round;
}

.faq-item.open .faq-question__icon svg { stroke: var(--white); }

.faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.3s var(--ease);
}

.faq-item.open .faq-answer {
  grid-template-rows: 1fr;
}

.faq-answer__inner {
  overflow: hidden;
  font-size: var(--text-sm);
  color: var(--gray-600);
  line-height: 1.75;
  padding: 0 var(--space-6) 0;
}

.faq-item.open .faq-answer__inner {
  padding-bottom: var(--space-5);
}

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding-block: var(--space-12) var(--space-8);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--space-12);
  padding-bottom: var(--space-8);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: var(--space-6);
}

.footer-brand p {
  font-size: var(--text-sm);
  line-height: 1.75;
  max-width: 36ch;
  margin-top: var(--space-4);
}

.footer-col__title {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.9);
  margin-bottom: var(--space-4);
}

.footer-links {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.footer-links li { margin: 0; }

.footer-links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color var(--duration) var(--ease);
}

.footer-links a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.footer-bottom p {
  font-size: var(--text-xs);
}

.footer-disclaimer {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.35);
  max-width: 60ch;
  text-align: right;
  line-height: 1.6;
}

/* ============================================================
   SCROLL REVEAL ANIMATION
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s var(--ease), transform 0.55s var(--ease);
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

.reveal--delay-1 { transition-delay: 0.1s; }
.reveal--delay-2 { transition-delay: 0.2s; }
.reveal--delay-3 { transition-delay: 0.3s; }
.reveal--delay-4 { transition-delay: 0.4s; }

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1024px) {
  .process-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .process-grid::before { display: none; }

  .tips-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .emergency-bar { font-size: var(--text-xs); }

  .site-header .container { height: 60px; }

  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: var(--space-4);
    box-shadow: var(--shadow-md);
    border-top: 1px solid var(--gray-200);
    gap: 0;
  }

  .site-nav.open { display: flex; }

  .site-nav li { width: 100%; }

  .site-nav a {
    display: block;
    padding: var(--space-3) var(--space-4);
    border-bottom: none;
    border-radius: var(--radius-sm);
  }

  .site-nav a:hover { background: var(--gray-50); }

  .nav-cta {
    margin-top: var(--space-2);
    text-align: center;
  }

  .nav-toggle { display: flex; }

  .hero .container {
    grid-template-columns: 1fr;
    gap: var(--space-10);
  }

  .hero__visual { order: -1; }

  .hero__drop-container { width: 220px; height: 260px; }

  .hero__stats { gap: var(--space-6); }

  .first-hour .container {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .causes-grid { grid-template-columns: 1fr; }

  .cost-grid { grid-template-columns: 1fr; }

  .insurance-grid { grid-template-columns: 1fr; }

  .insurance-tips .tips-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .choose-checklist { grid-template-columns: 1fr; }

  .red-flags ul { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: var(--space-8); }

  .footer-disclaimer { text-align: left; }

  .section { padding-block: var(--space-12); }
}

@media (max-width: 480px) {
  .hero__ctas { flex-direction: column; align-items: flex-start; }
  .hero__stats { flex-direction: column; gap: var(--space-4); }
  .process-grid { grid-template-columns: 1fr; }
  .tips-grid { grid-template-columns: 1fr; }
}