/* ================================================================
   The Penny Stacker - Global Stylesheet
   Brand colors: White #FFFFFF, Dark Blue #0A2A5E, Dark Red #B0152A
   Font: Proxima Nova (with system fallback)
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Source+Sans+3:wght@400;500;600;700;800&display=swap');

:root {
  --white: #ffffff;
  --offwhite: #f7f8fb;
  --light-gray: #eef1f6;
  --border: #e0e4ec;
  --text: #1a1f2c;
  --text-soft: #4a5568;
  --text-muted: #6b7280;
  --dark-blue: #0a2a5e;
  --dark-blue-deep: #061d44;
  --dark-blue-soft: #1a3a72;
  --dark-red: #b0152a;
  --dark-red-deep: #8e0e1f;
  --gold: #d4a017;
  --shadow-sm: 0 2px 6px rgba(10,42,94,0.06);
  --shadow-md: 0 6px 18px rgba(10,42,94,0.08);
  --shadow-lg: 0 14px 36px rgba(10,42,94,0.12);
  --radius: 8px;
  --radius-lg: 14px;
  --container: 1180px;
  --header-h: 76px;
}

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

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

body {
  font-family: "Proxima Nova", "proxima-nova", "Source Sans 3", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a { color: var(--dark-blue); text-decoration: none; transition: color .15s ease; }
a:hover { color: var(--dark-red); }

h1, h2, h3, h4, h5, h6 {
  font-family: inherit;
  color: var(--dark-blue);
  line-height: 1.22;
  font-weight: 800;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(32px, 4.5vw, 48px); margin-bottom: 18px; }
h2 { font-size: clamp(26px, 3.4vw, 36px); margin-bottom: 16px; }
h3 { font-size: clamp(20px, 2.4vw, 24px); margin-bottom: 12px; }
h4 { font-size: 19px; margin-bottom: 10px; }

p { margin-bottom: 16px; color: var(--text-soft); }
ul, ol { margin: 0 0 16px 22px; color: var(--text-soft); }
ul li, ol li { margin-bottom: 6px; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 880px; margin: 0 auto; padding: 0 24px; }

/* ============ HEADER / NAV ============ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.nav-wrap {
  display: flex; align-items: center; justify-content: space-between;
  height: var(--header-h);
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
.logo {
  font-weight: 800;
  font-size: 22px;
  color: var(--dark-blue);
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 8px;
  white-space: nowrap;
}
.logo .penny {
  background: var(--dark-red);
  color: var(--white);
  width: 34px; height: 34px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
}
.logo span.brand-the { color: var(--dark-red); }

.nav-toggle { display: none; }
.nav-toggle-label { display: none; }
.main-nav .has-children > input[type="checkbox"] { display: none; }
.nav-parent { user-select: none; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > li { position: relative; list-style: none; }
.main-nav > li > a,
.main-nav > li > .nav-parent {
  display: inline-block;
  padding: 10px 14px;
  font-weight: 600;
  color: var(--dark-blue);
  font-size: 15px;
  cursor: pointer;
  border-radius: 6px;
}
.main-nav > li > a:hover,
.main-nav > li:hover > .nav-parent { background: var(--light-gray); color: var(--dark-red); }

.dropdown {
  position: absolute;
  top: 100%; left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  min-width: 240px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity .15s ease, transform .15s ease, visibility 0s linear .15s;
  list-style: none;
  margin: 0;
}
.main-nav > li:hover > .dropdown,
.main-nav > li:focus-within > .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  transition-delay: 0s;
}
.dropdown li { margin: 0; list-style: none; }
.dropdown a {
  display: block;
  padding: 9px 12px;
  color: var(--dark-blue);
  font-size: 14.5px;
  font-weight: 500;
  border-radius: 5px;
}
.dropdown a:hover { background: var(--light-gray); color: var(--dark-red); }

.nav-cta {
  background: var(--dark-red);
  color: var(--white) !important;
  font-weight: 700 !important;
  padding: 10px 18px !important;
  border-radius: 6px;
  margin-left: 8px;
}
.nav-cta:hover { background: var(--dark-red-deep) !important; color: var(--white) !important; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-block;
  background: var(--dark-red);
  color: var(--white);
  font-weight: 700;
  font-size: 17px;
  padding: 16px 32px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  text-align: center;
  letter-spacing: 0.01em;
  box-shadow: 0 6px 18px rgba(176,21,42,0.28);
  transition: background .15s ease, transform .12s ease, box-shadow .2s ease;
  text-transform: none;
}
.btn:hover { background: var(--dark-red-deep); color: var(--white); transform: translateY(-1px); box-shadow: 0 10px 26px rgba(176,21,42,0.36); }
.btn:active { transform: translateY(0); }
.btn-lg { padding: 18px 40px; font-size: 19px; }
.btn-sm { padding: 11px 22px; font-size: 15px; }
.btn-block { display: block; width: 100%; }
.btn-outline { background: transparent; color: var(--dark-blue); border: 2px solid var(--dark-blue); box-shadow: none; }
.btn-outline:hover { background: var(--dark-blue); color: var(--white); }

/* ============ HERO ============ */
.hero {
  background: linear-gradient(135deg, var(--dark-blue) 0%, var(--dark-blue-deep) 100%);
  color: var(--white);
  padding: 72px 0 84px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 30%, rgba(176,21,42,0.18) 0%, transparent 50%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero h1 { color: var(--white); font-size: clamp(34px, 4.8vw, 54px); }
.hero h1 .accent { color: #ffd1d6; }
.hero p.lede { color: rgba(255,255,255,0.86); font-size: 19px; margin-bottom: 28px; max-width: 560px; }
.hero-eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.18);
  color: #ffd1d6;
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.hero-trust { margin-top: 24px; display: flex; gap: 22px; flex-wrap: wrap; color: rgba(255,255,255,0.78); font-size: 14px; }
.hero-trust span::before { content: "✓"; color: #ffd1d6; font-weight: 700; margin-right: 6px; }

/* ============ IMAGE PLACEHOLDERS (editable / swappable) ============ */
.image-placeholder {
  background: linear-gradient(135deg, #d8dfeb 0%, #bcc7da 100%);
  border: 2px dashed rgba(10,42,94,0.35);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  color: var(--dark-blue);
  font-weight: 600;
  text-align: center;
  padding: 32px 18px;
  min-height: 320px;
  position: relative;
}
.image-placeholder::before {
  content: "📷";
  font-size: 38px;
  display: block;
  margin-bottom: 10px;
  opacity: 0.7;
}
.image-placeholder .ph-label {
  font-size: 13px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  opacity: 0.78;
  margin-bottom: 4px;
}
.image-placeholder .ph-name {
  font-size: 16px;
  font-weight: 700;
}
.image-placeholder.ph-wide { min-height: 260px; }
.image-placeholder.ph-tall { min-height: 420px; }
.image-placeholder.ph-thumb { min-height: 200px; }
.image-placeholder.ph-square { aspect-ratio: 1/1; min-height: 0; }

/* ============ SECTIONS ============ */
section { padding: 72px 0; }
section.alt { background: var(--offwhite); }
section.dark { background: var(--dark-blue); color: var(--white); }
section.dark h2, section.dark h3 { color: var(--white); }
section.dark p { color: rgba(255,255,255,0.85); }

.section-head { text-align: center; max-width: 760px; margin: 0 auto 48px; }
.section-eyebrow {
  display: inline-block;
  color: var(--dark-red);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-head p { font-size: 18px; }

/* ============ CARDS / GRIDS ============ */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform .15s ease, box-shadow .2s ease, border-color .2s ease;
  display: flex;
  flex-direction: column;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #cdd5e3; }
.card .image-placeholder { border-radius: 0; min-height: 200px; border: none; border-bottom: 1px solid var(--border); }
.card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.card-tag {
  display: inline-block;
  background: rgba(10,42,94,0.08);
  color: var(--dark-blue);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 12px;
  align-self: flex-start;
}
.card h3 { font-size: 21px; margin-bottom: 10px; }
.card h3 a { color: var(--dark-blue); }
.card h3 a:hover { color: var(--dark-red); }
.card p { font-size: 15.5px; flex: 1; }
.card-meta { font-size: 13px; color: var(--text-muted); margin-top: 12px; }
.card-link {
  display: inline-block;
  margin-top: 14px;
  font-weight: 700;
  color: var(--dark-red);
  font-size: 14.5px;
  letter-spacing: 0.02em;
}
.card-link::after { content: " →"; }

/* Vertical tile (homepage) */
.vert-tile {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  text-align: center;
  transition: all .18s ease;
  display: block;
  color: inherit;
}
.vert-tile:hover {
  transform: translateY(-3px);
  border-color: var(--dark-red);
  box-shadow: var(--shadow-md);
  color: inherit;
}
.vert-tile .icon {
  width: 56px; height: 56px;
  background: rgba(10,42,94,0.08);
  color: var(--dark-blue);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  margin: 0 auto 14px;
}
.vert-tile:hover .icon { background: var(--dark-red); color: var(--white); }
.vert-tile h4 { color: var(--dark-blue); margin-bottom: 4px; }
.vert-tile p { font-size: 14px; margin: 0; color: var(--text-muted); }

/* ============ TRUST / STATS ============ */
.stats-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; text-align: center; }
.stat .num { font-size: 44px; font-weight: 800; color: var(--dark-red); line-height: 1; }
.stat .label { font-size: 14px; color: var(--text-soft); margin-top: 6px; letter-spacing: 0.03em; text-transform: uppercase; font-weight: 600; }

/* ============ FAQ / details ============ */
.faq details {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  padding: 4px 0;
}
.faq details[open] { border-color: var(--dark-blue); box-shadow: var(--shadow-sm); }
.faq summary {
  cursor: pointer;
  padding: 16px 22px;
  font-weight: 700;
  color: var(--dark-blue);
  font-size: 17px;
  list-style: none;
  position: relative;
  padding-right: 50px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 22px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 24px;
  color: var(--dark-red);
  font-weight: 400;
  line-height: 1;
}
.faq details[open] summary::after { content: "−"; }
.faq .answer { padding: 0 22px 18px; color: var(--text-soft); }

/* ============ POST / ARTICLE ============ */
.post-list .post { padding: 36px 0; border-bottom: 1px solid var(--border); }
.post-list .post:first-child { padding-top: 0; }
.post-list .post:last-child { border-bottom: none; }
.post h2 { color: var(--dark-blue); }
.post h2 a { color: inherit; }
.post-meta { color: var(--text-muted); font-size: 14px; margin-bottom: 14px; }
.post-meta .dot { margin: 0 8px; }
.post .image-placeholder { margin-bottom: 22px; min-height: 320px; }
.post-tag {
  display: inline-block;
  background: var(--dark-blue);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 5px 11px;
  border-radius: 4px;
  margin-bottom: 14px;
}
.post h3 { margin-top: 26px; }
.post ul li, .post ol li { margin-bottom: 8px; }
.post .pull-quote {
  border-left: 4px solid var(--dark-red);
  padding: 6px 0 6px 20px;
  margin: 22px 0;
  font-style: italic;
  color: var(--dark-blue);
  font-size: 19px;
  font-weight: 500;
}

/* ============ SALES PAGE ELEMENTS ============ */
.feature-row {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 22px;
  align-items: flex-start;
  padding: 22px 0;
  border-bottom: 1px solid var(--border);
}
.feature-row:last-child { border-bottom: none; }
.feature-icon {
  width: 70px; height: 70px;
  background: rgba(176,21,42,0.08);
  color: var(--dark-red);
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 30px;
  font-weight: 800;
}
.feature-row h4 { margin-bottom: 6px; font-size: 20px; }

.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.compare-table th, .compare-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.compare-table th { background: var(--dark-blue); color: var(--white); font-weight: 700; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table .check { color: #16a34a; font-weight: 800; }
.compare-table .x { color: #b91c1c; font-weight: 800; }

.cta-band {
  background: linear-gradient(135deg, var(--dark-blue) 0%, var(--dark-blue-deep) 100%);
  color: var(--white);
  text-align: center;
  padding: 64px 0;
}
.cta-band h2 { color: var(--white); margin-bottom: 10px; }
.cta-band p { color: rgba(255,255,255,0.85); font-size: 18px; max-width: 620px; margin: 0 auto 26px; }

/* ============ FOOTER ============ */
.site-footer {
  background: #061d44;
  color: rgba(255,255,255,0.78);
  padding: 56px 0 24px;
  font-size: 15px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.site-footer h5 {
  color: var(--white);
  font-size: 14px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 16px;
}
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: rgba(255,255,255,0.78); font-size: 14.5px; }
.site-footer a:hover { color: var(--white); }
.site-footer .footer-logo { font-size: 22px; font-weight: 800; color: var(--white); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.site-footer .footer-logo .penny { background: var(--dark-red); color: var(--white); width: 32px; height: 32px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 16px; font-weight: 800; }
.site-footer .tagline { color: rgba(255,255,255,0.7); font-size: 14px; margin-bottom: 14px; max-width: 320px; }

.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px;
  font-size: 12px;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
  max-width: 980px;
  margin: 0 auto;
  text-align: center;
}
.footer-disclaimer p { color: inherit; font-size: 12px; margin-bottom: 10px; }
.footer-bottom {
  text-align: center;
  margin-top: 18px;
  font-size: 12px;
  color: rgba(255,255,255,0.5);
}
.footer-bottom a { color: rgba(255,255,255,0.7); margin: 0 6px; }

/* ============ FORMS ============ */
.lead-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  color: var(--text);
}
.lead-form h3 { color: var(--dark-blue); margin-bottom: 6px; font-size: 24px; }
.lead-form .form-sub { color: var(--text-soft); font-size: 15px; margin-bottom: 20px; }
.lead-form label { display: block; font-weight: 600; font-size: 14px; color: var(--dark-blue); margin-bottom: 6px; }
.lead-form input,
.lead-form select,
.lead-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-size: 16px;
  font-family: inherit;
  margin-bottom: 14px;
  background: var(--white);
  color: var(--text);
}
.lead-form input:focus,
.lead-form select:focus,
.lead-form textarea:focus { outline: none; border-color: var(--dark-blue); }
.lead-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.lead-form small { color: var(--text-muted); font-size: 12px; display: block; line-height: 1.5; }

/* ============ LEGAL PAGES ============ */
.legal-page { padding: 56px 0 80px; }
.legal-page h1 { margin-bottom: 8px; }
.legal-page .updated { color: var(--text-muted); font-size: 14px; margin-bottom: 30px; }
.legal-page h2 { font-size: 22px; margin-top: 32px; }
.legal-page h3 { font-size: 18px; margin-top: 22px; }
.legal-page p, .legal-page li { font-size: 15.5px; line-height: 1.7; }

/* ============ RESPONSIVE ============ */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  body { font-size: 16px; }
  section { padding: 56px 0; }
  .hero { padding: 56px 0 64px; }
  .hero h1 { font-size: 32px; }
  .hero p.lede { font-size: 17px; }
  h1 { font-size: 30px; }
  h2 { font-size: 24px; }
  h3 { font-size: 20px; }

  /* mobile nav */
  .nav-toggle-label {
    display: flex;
    flex-direction: column;
    justify-content: center;
    width: 36px; height: 36px;
    cursor: pointer;
    gap: 5px;
  }
  .nav-toggle-label span {
    display: block;
    width: 26px; height: 3px;
    background: var(--dark-blue);
    border-radius: 2px;
    transition: transform .2s ease, opacity .2s ease;
  }
  .nav-toggle:checked + .nav-toggle-label span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .nav-toggle:checked + .nav-toggle-label span:nth-child(2) { opacity: 0; }
  .nav-toggle:checked + .nav-toggle-label span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

  .main-nav {
    position: absolute;
    top: var(--header-h);
    left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 8px 16px 20px;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    max-height: 0;
    overflow: hidden;
    visibility: hidden;
    transition: max-height .25s ease, visibility 0s linear .25s, padding .25s ease;
    gap: 0;
  }
  .nav-toggle:checked ~ .main-nav {
    max-height: 75vh;
    overflow-y: auto;
    visibility: visible;
    transition: max-height .3s ease, visibility 0s linear, padding .25s ease;
  }
  .main-nav > li { width: 100%; border-bottom: 1px solid var(--light-gray); }
  .main-nav > li:last-child { border-bottom: none; }
  .main-nav > li > a,
  .main-nav > li > .nav-parent { display: block; padding: 14px 6px; font-size: 16px; }

  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    border-left: 3px solid var(--dark-red);
    background: var(--offwhite);
    margin: 0 0 10px 6px;
    padding: 6px 6px;
    min-width: 0;
    transition: none;
    display: none;
  }
  .main-nav > li.has-children > input[type="checkbox"] { display: none; }
  .main-nav > li.has-children > input[type="checkbox"]:checked ~ .dropdown { display: block; }
  .main-nav > li.has-children > .nav-parent::after {
    content: "▾";
    float: right;
    color: var(--dark-red);
    font-weight: 700;
  }
  .nav-cta { margin: 12px 6px 6px; text-align: center; }

  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; gap: 22px; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .lead-form .form-row { grid-template-columns: 1fr; }
  .feature-row { grid-template-columns: 1fr; gap: 12px; }
  .feature-icon { width: 56px; height: 56px; font-size: 26px; }
  .compare-table { font-size: 14px; }
  .compare-table th, .compare-table td { padding: 10px 12px; }
  .cta-band { padding: 48px 0; }
  .image-placeholder { min-height: 240px; }
  .post .image-placeholder { min-height: 220px; }
  .btn { width: 100%; padding: 16px 22px; font-size: 16px; }
  .btn-sm { width: auto; padding: 11px 22px; }
  .nav-cta { width: auto !important; }
}

@media (max-width: 480px) {
  h1 { font-size: 28px; }
  .hero h1 { font-size: 28px; }
  .stats-row { grid-template-columns: 1fr 1fr; gap: 24px; }
  .stat .num { font-size: 36px; }
  .container, .nav-wrap { padding: 0 18px; }
  .lead-form { padding: 22px; }
}

/* ============ UTIL ============ */
.text-center { text-align: center; }
.mt-0 { margin-top: 0 !important; }
.mt-10 { margin-top: 10px; }
.mt-20 { margin-top: 20px; }
.mt-30 { margin-top: 30px; }
.mt-40 { margin-top: 40px; }
.mb-0 { margin-bottom: 0 !important; }
.mb-20 { margin-bottom: 20px; }
.mb-30 { margin-bottom: 30px; }
.mb-40 { margin-bottom: 40px; }
.bg-blue { background: var(--dark-blue); color: var(--white); }
.text-red { color: var(--dark-red); }
.text-blue { color: var(--dark-blue); }
.no-list { list-style: none; margin: 0; padding: 0; }
.checks { list-style: none; margin: 0 0 16px; padding: 0; }
.checks li { padding: 6px 0 6px 30px; position: relative; color: var(--text-soft); }
.checks li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 6px;
  background: var(--dark-red);
  color: var(--white);
  width: 22px; height: 22px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
}