:root {
  --cyan: #24b8ed;
  --cyan-dark: #008bc2;
  --navy: #163445;
  --navy-deep: #0b2432;
  --ink: #12212b;
  --muted: #5d6d77;
  --line: #d8e2e8;
  --soft: #eff7fa;
  --white: #ffffff;
  --success: #14845e;
  --shadow: 0 24px 60px rgba(11, 36, 50, 0.13);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
button { color: inherit; }
img { display: block; max-width: 100%; }

.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }

.top-note { background: var(--navy-deep); color: rgba(255,255,255,.78); font-size: 12px; letter-spacing: .055em; text-transform: uppercase; }
.top-note__inner { min-height: 32px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.site-header { position: relative; z-index: 20; background: white; box-shadow: 0 1px 0 rgba(14,48,66,.1); }
.nav-bar { min-height: 84px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand img { width: 252px; height: auto; }
.nav-actions { display: flex; align-items: center; gap: 24px; }
.phone-link { display: flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 750; }
.phone-link svg { width: 27px; fill: none; stroke: var(--cyan-dark); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.phone-link span { display: grid; line-height: 1.25; }
.phone-link small { color: var(--muted); font-size: 11px; font-weight: 650; letter-spacing: .06em; text-transform: uppercase; }
.header-cta { border-radius: 4px; background: var(--cyan); color: var(--navy-deep); padding: 13px 20px; font-size: 14px; font-weight: 800; transition: .2s ease; }
.header-cta:hover { background: var(--navy); color: white; transform: translateY(-1px); }

.hero { position: relative; min-height: 660px; isolation: isolate; overflow: hidden; }
.hero__image { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center right; z-index: -3; }
.hero__overlay { position: absolute; inset: 0; z-index: -2; background: linear-gradient(90deg, rgba(8,33,46,.94) 0%, rgba(10,39,54,.88) 35%, rgba(10,39,54,.32) 66%, rgba(10,39,54,.08) 100%); }
.hero::after { content: ""; position: absolute; left: -10%; bottom: -150px; width: 62%; height: 280px; border-radius: 50%; background: rgba(36,184,237,.12); filter: blur(30px); z-index: -1; }
.hero__content { min-height: 660px; display: flex; align-items: center; padding-block: 70px; }
.hero-copy { width: min(610px, 58%); color: white; }
.hero-kicker, .section-kicker { display: inline-flex; align-items: center; gap: 10px; color: var(--cyan); font-size: 13px; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.hero-kicker::before, .section-kicker::before { content: ""; width: 30px; height: 2px; background: currentColor; }
.hero h1 { margin: 20px 0 22px; font-size: clamp(50px, 5.3vw, 76px); line-height: .98; letter-spacing: -.045em; font-weight: 850; }
.hero h1 span { color: var(--cyan); }
.hero-copy > p { max-width: 585px; margin: 0 0 26px; color: rgba(255,255,255,.85); font-size: 19px; line-height: 1.65; }
.hero-benefits { display: grid; gap: 10px; margin: 0 0 32px; padding: 0; list-style: none; }
.hero-benefits li { position: relative; padding-left: 28px; font-weight: 650; }
.hero-benefits li::before { content: "✓"; position: absolute; left: 0; color: var(--cyan); font-weight: 900; }
.hero-actions { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.primary-button { min-height: 54px; display: inline-flex; align-items: center; justify-content: center; gap: 12px; border: 0; border-radius: 4px; padding: 14px 23px; background: var(--cyan); color: var(--navy-deep); font-weight: 850; cursor: pointer; transition: .2s ease; }
.primary-button:hover { background: var(--navy); color: white; transform: translateY(-1px); }
.primary-button svg { width: 19px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.primary-button--hero { min-height: 58px; padding-inline: 27px; background: var(--cyan); box-shadow: 0 12px 30px rgba(0,0,0,.18); }
.primary-button--hero:hover { background: white; color: var(--navy); }
.micro-trust { color: rgba(255,255,255,.7); font-size: 13px; }

.trust-strip { position: relative; z-index: 3; background: white; box-shadow: 0 12px 38px rgba(11,36,50,.08); }
.trust-strip__grid { min-height: 106px; display: grid; grid-template-columns: 1.35fr repeat(3,1fr); align-items: stretch; }
.rating-proof, .trust-item { padding: 20px 26px; display: flex; flex-direction: column; justify-content: center; border-right: 1px solid var(--line); }
.rating-proof { display: grid; grid-template-columns: auto 1fr; column-gap: 13px; align-items: center; }
.rating-proof small { grid-column: 2; color: var(--muted); font-size: 12px; }
.rating-proof strong { display: block; color: var(--navy); font-size: 16px; }
.google-g { grid-row: 1 / span 2; width: 39px; height: 39px; display: grid; place-items: center; border-radius: 50%; background: #f4f7f9; color: #4285f4; font-size: 23px; font-weight: 900; }
.stars { display: block; color: #f5aa00; font-size: 13px; letter-spacing: .08em; line-height: 1; }
.trust-item:last-child { border-right: 0; }
.trust-item strong { color: var(--navy); font-size: 15px; }
.trust-item span { color: var(--muted); font-size: 12px; }

.video-section { padding: 108px 0; background: linear-gradient(180deg, #fff 0%, #f5fafc 100%); }
.video-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 76px; align-items: center; }
.video-copy h2, .form-shell__intro h2 { margin: 15px 0 20px; color: var(--navy); font-size: clamp(34px,4vw,52px); line-height: 1.08; letter-spacing: -.035em; }
.video-copy p, .form-shell__intro > p { color: var(--muted); font-size: 17px; }
.video-facts { display: grid; gap: 8px; margin-top: 24px; color: var(--navy); font-weight: 700; }
.video-facts span::first-letter { color: var(--cyan-dark); }
.video-placeholder { position: relative; min-height: 430px; border-radius: 10px; overflow: hidden; display: grid; place-items: center; background: url('gunga-hero-waermepumpe.png') center/cover; box-shadow: var(--shadow); }
.video-placeholder__shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(10,39,54,.1), rgba(10,39,54,.78)); }
.play-button { position: relative; width: 84px; height: 84px; border-radius: 50%; display: grid; place-items: center; padding-left: 5px; background: var(--cyan); color: var(--navy); font-size: 28px; box-shadow: 0 0 0 14px rgba(255,255,255,.18); }
.video-placeholder__label { position: absolute; left: 28px; right: 28px; bottom: 24px; color: white; display: grid; }
.video-placeholder__label strong { font-size: 22px; }
.video-placeholder__label span { color: rgba(255,255,255,.72); font-size: 13px; }

.form-section { padding: 110px 0 120px; background: var(--navy-deep); position: relative; overflow: hidden; }
.form-section::before { content: ""; position: absolute; width: 560px; height: 560px; border-radius: 50%; right: -180px; top: -240px; background: rgba(36,184,237,.1); }
.form-shell { position: relative; display: grid; grid-template-columns: .73fr 1.27fr; gap: 62px; align-items: center; }
.form-shell__intro { color: white; }
.form-shell__intro h2 { color: white; }
.form-shell__intro > p { color: rgba(255,255,255,.69); }
.check-list { display: grid; gap: 11px; padding: 0; margin: 30px 0 0; list-style: none; }
.check-list li { position: relative; padding-left: 30px; font-weight: 650; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--cyan); }
.form-card { min-height: 590px; padding: 34px 38px 38px; border-radius: 10px; background: white; box-shadow: 0 28px 80px rgba(0,0,0,.28); }
.form-progress { display: grid; grid-template-columns: repeat(10,1fr); gap: 6px; margin-bottom: 38px; }
.form-progress span { height: 5px; border-radius: 99px; background: #e2eaee; transition: background .25s ease; }
.form-progress span.is-filled { background: var(--cyan); }
.form-step__head { text-align: center; margin: 0 auto 28px; max-width: 660px; }
.form-eyebrow { color: var(--cyan-dark); font-size: 12px; font-weight: 850; letter-spacing: .085em; text-transform: uppercase; }
.form-step__head h3, .form-success h3, .checking-state h3 { margin: 8px auto 7px; color: var(--navy); font-size: clamp(25px,3vw,34px); line-height: 1.18; letter-spacing: -.02em; }
.form-step__head p, .form-success p, .checking-state p { margin: 0; color: var(--muted); font-size: 14px; }
.choice-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.choice-grid--compact { max-width: 650px; margin-inline: auto; }
.choice { min-height: 116px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px; padding: 14px; border: 1.5px solid #cfdae0; border-radius: 7px; background: white; color: var(--navy); font-size: 14px; font-weight: 750; line-height: 1.25; text-align: center; cursor: pointer; transition: .18s ease; }
.choice:hover, .choice:focus-visible { border-color: var(--cyan-dark); background: var(--soft); transform: translateY(-2px); box-shadow: 0 10px 22px rgba(13,65,88,.08); }
.choice.is-selected { border-color: var(--cyan-dark); background: #eaf8fd; box-shadow: 0 0 0 2px rgba(36,184,237,.18); }
.choice__icon { min-width: 40px; height: 40px; display: grid; place-items: center; border-radius: 50%; background: var(--soft); color: var(--cyan-dark); font-size: 17px; font-weight: 900; }
.back-button, .text-button { border: 0; background: transparent; color: var(--muted); padding: 11px 0; font-size: 13px; font-weight: 750; cursor: pointer; }
.back-button:hover, .text-button:hover { color: var(--cyan-dark); }
.form-step > .back-button { margin-top: 22px; }
.field-label { display: block; margin: 0 0 6px; color: var(--navy); font-size: 13px; font-weight: 800; }
.form-input { width: 100%; height: 52px; border: 1.5px solid #bdcad2; border-radius: 5px; padding: 0 14px; outline: none; background: #fff; color: var(--ink); transition: .18s ease; }
.form-input:hover { border-color: #879da9; }
.form-input:focus { border-color: var(--cyan-dark); box-shadow: 0 0 0 3px rgba(36,184,237,.2); }
.form-input[aria-invalid="true"] { border-color: #b63c46; }
.form-input--large { max-width: 370px; height: 60px; display: block; margin: 0 auto; font-size: 21px; letter-spacing: .08em; text-align: center; }
.form-step > .field-label { max-width: 370px; margin: 0 auto 7px; }
.field-error { max-width: 370px; margin: 8px auto 0; color: #a82c36; font-size: 13px; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.consent-row { display: grid; grid-template-columns: auto 1fr; gap: 11px; align-items: start; margin-top: 18px; color: var(--muted); font-size: 12px; line-height: 1.5; cursor: pointer; }
.consent-row input { width: 19px; height: 19px; accent-color: var(--cyan-dark); }
.consent-row a { color: var(--cyan-dark); text-decoration: underline; }
.form-actions { margin-top: 24px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.privacy-note { margin: 15px 0 0; color: var(--muted); font-size: 11px; text-align: center; }
.checking-state, .form-success { min-height: 440px; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; }
.spinner { width: 56px; height: 56px; margin-bottom: 24px; border: 5px solid #dbe9ef; border-top-color: var(--cyan-dark); border-radius: 50%; animation: spin .8s linear infinite; }
.success-mark { width: 66px; height: 66px; margin-bottom: 22px; border-radius: 50%; display: grid; place-items: center; background: #e5f7f0; color: var(--success); font-size: 30px; font-weight: 900; }
.form-success p { max-width: 520px; }
@keyframes spin { to { transform: rotate(360deg); } }

.section-heading { max-width: 760px; margin-bottom: 48px; }
.section-heading--center { margin-inline: auto; text-align: center; }
.section-heading h2, .funding-copy h2, .regional-copy h2, .review-copy h2, .faq-intro h2, .bottom-cta h2 { margin: 14px 0 14px; color: var(--navy); font-size: clamp(34px,4vw,52px); line-height: 1.08; letter-spacing: -.035em; }
.section-heading p, .funding-copy p, .regional-copy p, .review-copy p, .faq-intro p, .bottom-cta p { color: var(--muted); font-size: 17px; }

.process-section { padding: 112px 0; background: white; }
.process-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.process-card { position: relative; min-height: 320px; padding: 38px 32px 32px; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; background: white; box-shadow: 0 14px 40px rgba(11,36,50,.06); }
.process-card--featured { background: var(--navy); border-color: var(--navy); transform: translateY(-14px); }
.process-number { position: absolute; top: -28px; right: 12px; color: rgba(22,52,69,.07); font-size: 110px; font-weight: 900; line-height: 1; }
.process-card--featured .process-number { color: rgba(255,255,255,.07); }
.process-icon { width: 58px; height: 58px; display: grid; place-items: center; margin-bottom: 27px; border-radius: 8px; background: var(--soft); color: var(--cyan-dark); font-size: 23px; font-weight: 900; }
.process-card--featured .process-icon { background: var(--cyan); color: var(--navy); }
.process-card h3 { position: relative; margin: 0 0 12px; color: var(--navy); font-size: 24px; }
.process-card p { position: relative; margin: 0; color: var(--muted); }
.process-card--featured h3 { color: white; }
.process-card--featured p { color: rgba(255,255,255,.7); }

.funding-section { padding: 24px 0 112px; background: white; }
.funding-card { position: relative; display: grid; grid-template-columns: .72fr 1.28fr; gap: 54px 68px; align-items: center; padding: 68px 70px 34px; border-radius: 14px; overflow: hidden; background: linear-gradient(125deg, #0b2635 0%, var(--navy) 58%, #0d4259 100%); color: white; box-shadow: 0 28px 70px rgba(11,36,50,.22); isolation: isolate; }
.funding-card::before, .funding-card::after { content: ""; position: absolute; z-index: -1; border-radius: 50%; pointer-events: none; }
.funding-card::before { width: 480px; height: 480px; left: -240px; top: -170px; background: rgba(36,184,237,.14); }
.funding-card::after { width: 420px; height: 420px; right: -190px; bottom: -250px; border: 86px solid rgba(36,184,237,.08); }
.funding-visual { position: relative; display: flex; flex-direction: column; align-items: center; }
.funding-update { position: relative; z-index: 2; margin-bottom: -13px; padding: 8px 14px; border-radius: 99px; background: var(--cyan); color: var(--navy-deep); font-size: 11px; font-weight: 900; letter-spacing: .07em; text-transform: uppercase; box-shadow: 0 9px 24px rgba(0,0,0,.2); }
.funding-badge { position: relative; z-index: 1; width: 245px; height: 245px; display: flex; flex-direction: column; align-items: center; justify-content: center; border: 1px solid rgba(255,255,255,.26); border-radius: 50%; background: radial-gradient(circle at 35% 28%, #2bc5f8 0%, var(--cyan) 32%, #0789bb 100%); color: var(--navy-deep); box-shadow: 0 24px 55px rgba(0,0,0,.3), 0 0 0 12px rgba(255,255,255,.055); }
.funding-badge strong { font-size: 13px; letter-spacing: .15em; text-transform: uppercase; }
.funding-badge span { font-size: 67px; font-weight: 950; line-height: 1; letter-spacing: -.065em; }
.funding-badge small { margin-top: 3px; font-size: 15px; font-weight: 900; }
.funding-amount { position: relative; z-index: 2; min-width: 228px; margin-top: -22px; padding: 14px 18px 13px; border: 1px solid rgba(255,255,255,.15); border-radius: 8px; background: rgba(7,29,40,.91); text-align: center; box-shadow: 0 14px 30px rgba(0,0,0,.26); }
.funding-amount span, .funding-amount small { display: block; color: rgba(255,255,255,.67); font-size: 10px; font-weight: 750; letter-spacing: .055em; text-transform: uppercase; }
.funding-amount strong { display: block; margin: 1px 0; color: white; font-size: 31px; line-height: 1.15; letter-spacing: -.035em; }
.funding-copy { position: relative; z-index: 1; }
.funding-copy .section-kicker { color: var(--cyan); }
.funding-copy h2 { max-width: 690px; margin-top: 12px; color: white; font-size: clamp(34px,3.7vw,50px); }
.funding-copy .funding-lead { max-width: 750px; margin: 0; color: rgba(255,255,255,.75); font-size: 17px; line-height: 1.7; }
.funding-lead strong { color: white; }
.funding-benefits { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-top: 27px; }
.funding-benefit { display: grid; grid-template-columns: 35px 1fr; gap: 10px; align-items: start; min-height: 112px; padding: 17px 14px; border: 1px solid rgba(255,255,255,.12); border-radius: 8px; background: rgba(255,255,255,.07); }
.funding-benefit > span { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 50%; background: var(--cyan); color: var(--navy-deep); font-size: 15px; font-weight: 950; }
.funding-benefit strong, .funding-benefit small { display: block; }
.funding-benefit strong { color: white; font-size: 14px; line-height: 1.3; }
.funding-benefit small { margin-top: 4px; color: rgba(255,255,255,.6); font-size: 11px; line-height: 1.42; }
.funding-actions { display: flex; align-items: center; gap: 18px; margin-top: 28px; flex-wrap: wrap; }
.funding-actions > span { color: rgba(255,255,255,.59); font-size: 11px; }
.funding-button { box-shadow: 0 14px 32px rgba(0,0,0,.22); }
.funding-button:hover { background: white; color: var(--navy-deep); }
.funding-reminder { grid-column: 1 / -1; display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: center; margin-top: -15px; padding: 16px 20px; border: 1px solid rgba(36,184,237,.25); border-radius: 8px; background: rgba(36,184,237,.09); }
.funding-reminder__icon { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; background: rgba(36,184,237,.18); color: var(--cyan); font-size: 20px; font-weight: 950; }
.funding-reminder p { margin: 0; color: rgba(255,255,255,.72); font-size: 13px; line-height: 1.55; }
.funding-reminder strong { color: white; }
.secondary-link { display: inline-flex; align-items: center; gap: 10px; color: var(--cyan-dark); font-weight: 850; }
.secondary-link svg { width: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s ease; }
.secondary-link:hover svg { transform: translateX(4px); }
.funding-note { grid-column: 1 / -1; margin: -25px 0 0; padding-top: 23px; border-top: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.5) !important; font-size: 10px !important; line-height: 1.55; }
.funding-note a { color: var(--cyan); text-decoration: underline; text-underline-offset: 2px; }

.regional-section { padding: 112px 0; background: var(--soft); }
.regional-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 70px; align-items: center; }
.regional-copy p { line-height: 1.75; }
.region-tags { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 28px; }
.region-tags span { padding: 7px 12px; border: 1px solid #c6dce6; border-radius: 99px; background: white; color: var(--navy); font-size: 12px; font-weight: 750; }
.benefit-panel { padding: 38px; border-radius: 9px; background: var(--navy); color: white; box-shadow: var(--shadow); }
.benefit-panel h3 { margin: 0 0 22px; color: white; font-size: 26px; }
.benefit-panel ul { display: grid; margin: 0; padding: 0; list-style: none; }
.benefit-panel li { position: relative; display: grid; padding: 15px 0 15px 32px; border-bottom: 1px solid rgba(255,255,255,.11); }
.benefit-panel li:last-child { border-bottom: 0; }
.benefit-panel li::before { content: "✓"; position: absolute; left: 0; top: 16px; color: var(--cyan); font-weight: 900; }
.benefit-panel strong { font-size: 15px; }
.benefit-panel span { color: rgba(255,255,255,.65); font-size: 12px; }

.reviews-section { padding: 110px 0; background: white; }
.review-card { display: grid; grid-template-columns: .65fr 1.35fr; min-height: 390px; border: 1px solid var(--line); border-radius: 9px; overflow: hidden; box-shadow: var(--shadow); }
.review-score { display: flex; flex-direction: column; align-items: center; justify-content: center; background: var(--navy); color: white; }
.google-g--large { width: 58px; height: 58px; margin-bottom: 14px; font-size: 32px; }
.review-score > strong { font-size: 58px; line-height: 1; }
.review-score .stars { margin: 10px 0; font-size: 20px; }
.review-score > span:last-child { color: rgba(255,255,255,.65); font-size: 12px; }
.review-copy { padding: 55px 64px; display: flex; flex-direction: column; justify-content: center; }
.review-copy h2 { font-size: clamp(32px,3.5vw,46px); }

.faq-section { padding: 112px 0; background: var(--soft); }
.faq-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: 70px; align-items: start; }
.faq-intro { position: sticky; top: 30px; }
.faq-intro .primary-button { margin-top: 18px; }
.accordion { border-top: 1px solid #bfd1da; }
.accordion details { border-bottom: 1px solid #bfd1da; }
.accordion summary { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 18px 4px; color: var(--navy); font-size: 17px; font-weight: 800; cursor: pointer; list-style: none; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary span { width: 31px; height: 31px; flex: 0 0 auto; display: grid; place-items: center; border-radius: 50%; background: white; color: var(--cyan-dark); font-size: 21px; transition: transform .2s ease; }
.accordion details[open] summary span { transform: rotate(45deg); }
.accordion details p { margin: -2px 44px 23px 4px; color: var(--muted); line-height: 1.72; }

.bottom-cta { padding: 82px 0; background: linear-gradient(110deg, var(--navy) 0%, var(--navy-deep) 100%); color: white; }
.bottom-cta__inner { display: flex; align-items: center; justify-content: space-between; gap: 60px; }
.bottom-cta h2 { color: white; font-size: clamp(34px,4vw,50px); }
.bottom-cta p { max-width: 770px; margin-bottom: 0; color: rgba(255,255,255,.68); }
.bottom-cta .primary-button { flex: 0 0 auto; }

.site-footer { padding: 70px 0 24px; background: #071d28; color: rgba(255,255,255,.7); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr .8fr; gap: 70px; padding-bottom: 50px; }
.footer-brand img { display: block; width: 230px; max-width: 100%; height: auto; margin-bottom: 20px; }
.footer-brand p { max-width: 430px; }
.site-footer h3 { margin: 0 0 15px; color: white; font-size: 16px; }
.site-footer address { margin-bottom: 11px; font-style: normal; }
.site-footer a:hover { color: var(--cyan); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.1); font-size: 12px; }

/* Legal pages */
.legal-page { background: #f4f9fb; }
.legal-main { padding-bottom: 96px; }
.legal-hero { position: relative; overflow: hidden; padding: 76px 0 92px; background: linear-gradient(120deg, var(--navy-deep), var(--navy)); color: white; }
.legal-hero::after { content: ""; position: absolute; width: 420px; height: 420px; right: -130px; bottom: -300px; border-radius: 50%; background: rgba(36,184,237,.13); }
.legal-hero__inner { position: relative; z-index: 1; max-width: 850px; }
.legal-hero h1 { margin: 14px 0 14px; font-size: clamp(42px,6vw,68px); line-height: 1; letter-spacing: -.045em; }
.legal-hero p { max-width: 720px; margin: 0; color: rgba(255,255,255,.72); font-size: 17px; }
.legal-layout { position: relative; z-index: 2; display: grid; grid-template-columns: 235px minmax(0, 1fr); gap: 34px; align-items: start; margin-top: -36px; }
.legal-nav { position: sticky; top: 24px; padding: 24px; border: 1px solid var(--line); border-radius: 9px; background: white; box-shadow: 0 14px 38px rgba(11,36,50,.08); }
.legal-nav strong { display: block; margin-bottom: 12px; color: var(--navy); font-size: 13px; letter-spacing: .07em; text-transform: uppercase; }
.legal-nav a { display: block; padding: 9px 0; border-bottom: 1px solid #e9eff2; color: var(--muted); font-size: 13px; font-weight: 700; }
.legal-nav a:last-child { border-bottom: 0; }
.legal-nav a:hover, .legal-nav a:focus-visible { color: var(--cyan-dark); }
.legal-content { padding: 54px 60px; border: 1px solid var(--line); border-radius: 10px; background: white; box-shadow: 0 18px 50px rgba(11,36,50,.08); }
.legal-intro { margin: 0 0 34px; padding: 18px 20px; border-left: 4px solid var(--cyan); background: var(--soft); color: var(--muted); }
.legal-section { scroll-margin-top: 24px; }
.legal-section + .legal-section { margin-top: 38px; padding-top: 38px; border-top: 1px solid var(--line); }
.legal-content h2 { margin: 0 0 15px; color: var(--navy); font-size: clamp(25px,3vw,33px); line-height: 1.2; letter-spacing: -.025em; }
.legal-content h3 { margin: 26px 0 8px; color: var(--navy); font-size: 19px; }
.legal-content p, .legal-content li { color: #4f626d; line-height: 1.75; }
.legal-content p { margin: 0 0 14px; }
.legal-content ul { margin: 10px 0 16px; padding-left: 22px; }
.legal-content address { margin: 0 0 16px; color: #4f626d; font-style: normal; line-height: 1.75; }
.legal-content a { color: var(--cyan-dark); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 2px; }
.legal-content strong { color: var(--navy); }
.legal-table-wrap { margin: 18px 0 20px; overflow-x: auto; border: 1px solid var(--line); border-radius: 7px; }
.legal-table { width: 100%; border-collapse: collapse; min-width: 610px; }
.legal-table th, .legal-table td { padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; text-align: left; }
.legal-table tr:last-child th, .legal-table tr:last-child td { border-bottom: 0; }
.legal-table th { width: 28%; background: var(--soft); color: var(--navy); font-size: 13px; }
.legal-table td { color: #4f626d; font-size: 14px; }
.legal-meta { margin-top: 36px; color: var(--muted); font-size: 12px; }

@media (max-width: 980px) {
  .nav-bar { min-height: 76px; }
  .brand img { width: 210px; }
  .phone-link { display: none; }
  .hero, .hero__content { min-height: 620px; }
  .hero-copy { width: 68%; }
  .trust-strip__grid { grid-template-columns: 1fr 1fr; }
  .rating-proof, .trust-item { border-bottom: 1px solid var(--line); }
  .video-grid, .form-shell { grid-template-columns: 1fr; }
  .video-grid { gap: 44px; }
  .form-shell { gap: 44px; }
  .form-shell__intro { max-width: 760px; }
  .form-card { min-height: 560px; }
  .process-grid { gap: 14px; }
  .process-card { padding-inline: 22px; }
  .funding-card { grid-template-columns: 230px 1fr; padding: 54px 42px 30px; gap: 46px 38px; }
  .funding-badge { width: 205px; height: 205px; }
  .funding-badge span { font-size: 57px; }
  .funding-amount { min-width: 205px; }
  .funding-benefits { grid-template-columns: 1fr; gap: 8px; }
  .funding-benefit { min-height: auto; }
  .regional-grid, .faq-grid { grid-template-columns: 1fr; gap: 46px; }
  .faq-intro { position: static; }
  .review-card { grid-template-columns: .8fr 1.2fr; }
  .review-copy { padding: 42px; }
  .bottom-cta__inner { align-items: flex-start; flex-direction: column; gap: 30px; }
  .footer-grid { gap: 40px; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-nav { position: static; display: flex; flex-wrap: wrap; gap: 0 18px; }
  .legal-nav strong { width: 100%; }
  .legal-nav a { border-bottom: 0; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 28px, 1180px); }
  .top-note__inner { justify-content: center; min-height: 29px; }
  .top-note__inner span:last-child { display: none; }
  .nav-bar { gap: 14px; }
  .brand img { width: 176px; }
  .header-cta { padding: 10px 12px; font-size: 12px; }
  .hero { min-height: auto; background: var(--navy-deep); }
  .hero__image { position: relative; height: 300px; object-position: 64% center; }
  .hero__overlay { background: linear-gradient(180deg, rgba(8,33,46,0) 0 170px, rgba(8,33,46,.96) 290px, var(--navy-deep) 100%); }
  .hero__content { min-height: auto; padding: 0 0 52px; margin-top: -16px; }
  .hero-copy { width: 100%; }
  .hero h1 { margin-top: 15px; font-size: 47px; }
  .hero-copy > p { font-size: 16px; }
  .hero-benefits { font-size: 14px; }
  .primary-button--hero { width: 100%; }
  .micro-trust { width: 100%; text-align: center; }
  .trust-strip__grid { grid-template-columns: 1fr; }
  .rating-proof, .trust-item { min-height: 84px; border-right: 0; }
  .trust-item { display: none; }
  .video-section, .form-section, .process-section, .regional-section, .reviews-section, .faq-section { padding: 72px 0; }
  .video-copy h2, .form-shell__intro h2 { font-size: 35px; }
  .video-placeholder { min-height: 270px; }
  .play-button { width: 64px; height: 64px; font-size: 21px; }
  .video-placeholder__label { left: 18px; right: 18px; bottom: 16px; }
  .form-card { min-height: 580px; padding: 24px 18px 28px; border-radius: 7px; }
  .form-progress { gap: 4px; margin-bottom: 30px; }
  .choice-grid { grid-template-columns: 1fr 1fr; gap: 9px; }
  .choice { min-height: 104px; padding: 10px 8px; font-size: 13px; }
  .field-grid { grid-template-columns: 1fr; gap: 11px; }
  .form-actions { align-items: stretch; }
  .form-actions .primary-button { flex: 1; padding-inline: 12px; }
  .process-grid { grid-template-columns: 1fr; }
  .process-card { min-height: 250px; }
  .process-card--featured { transform: none; }
  .funding-section { padding: 10px 0 72px; }
  .funding-card { grid-template-columns: 1fr; gap: 34px; padding: 43px 20px 26px; border-radius: 10px; }
  .funding-badge { width: 190px; height: 190px; margin-inline: auto; }
  .funding-badge span { font-size: 52px; }
  .funding-amount { min-width: 205px; }
  .funding-copy { text-align: center; }
  .funding-copy .section-kicker { justify-content: center; }
  .funding-copy h2 { font-size: 34px; }
  .funding-copy .funding-lead { font-size: 15px; }
  .funding-benefits { text-align: left; }
  .funding-actions { align-items: stretch; flex-direction: column; }
  .funding-button { width: 100%; }
  .funding-reminder { grid-template-columns: 34px 1fr; margin-top: -8px; padding: 15px; text-align: left; }
  .funding-reminder__icon { width: 32px; height: 32px; }
  .funding-note { margin-top: -16px; text-align: left; }
  .regional-grid { gap: 34px; }
  .benefit-panel { padding: 28px 22px; }
  .review-card { grid-template-columns: 1fr; }
  .review-score { min-height: 275px; }
  .review-copy { padding: 34px 22px; }
  .faq-grid { gap: 36px; }
  .accordion summary { min-height: 70px; font-size: 15px; }
  .accordion details p { margin-right: 4px; }
  .bottom-cta { padding: 68px 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; }
  .legal-main { padding-bottom: 68px; }
  .legal-hero { padding: 54px 0 72px; }
  .legal-hero h1 { font-size: 43px; }
  .legal-layout { margin-top: -26px; gap: 18px; }
  .legal-nav { padding: 18px; }
  .legal-content { padding: 32px 20px; }
  .legal-section + .legal-section { margin-top: 30px; padding-top: 30px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* Standalone PHP integration */
[hidden] { display: none !important; }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 9999; padding: 10px 15px; background: white; color: var(--navy); font-weight: 800; box-shadow: var(--shadow); }
.skip-link:focus { top: 12px; }
.phone-mark { width: 32px; height: 32px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 50%; color: var(--cyan-dark); }
.honeypot { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-errors { margin: -12px 0 24px; padding: 14px 17px; border: 1px solid #b63c46; border-radius: 5px; background: #fff0f1; color: #842a32; font-size: 13px; }
.form-errors ul { margin: 7px 0 0 18px; padding: 0; }
.form-errors a { text-decoration: underline; }
.field-label--center { max-width: 370px; margin-inline: auto; }
.form-success h2 { margin: 8px 0 10px; color: var(--navy); font-size: clamp(28px, 3vw, 38px); }
.form-success .primary-button { margin-top: 22px; }
.mobile-cta { display: none; }

@media (max-width: 680px) {
  body { padding-bottom: 62px; }
  .mobile-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 100; min-height: 58px; display: grid; place-items: center; background: var(--cyan); color: var(--navy-deep); font-size: 15px; font-weight: 900; box-shadow: 0 -8px 24px rgba(11,36,50,.2); }
}