/* ==========================================================================
   Brand tokens — matched from osbornefamilyestate.com
   ========================================================================== */
:root {
  --charcoal: #1a1f1a;
  --gray-dark: #2e3530;
  --gray-mid: #556355;
  --gray-light: #8a9e8a;
  --gray-pale: #f4f7f5;
  --green: #1a7a4a;
  --green-dark: #105c37;
  --green-light: #22a060;
  --green-pale: #e8f5ee;
  --gold: #c9922a;
  --gold-light: #f5c96a;
  --gold-pale: #fdf8ee;
  --white: #ffffff;
  --red-soft: #c0392b;

  --font-display: 'Sora', sans-serif;
  --font-body: 'DM Sans', sans-serif;

  --max-w: 1140px;
  --radius: 12px;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
  --shadow-md: 0 8px 32px rgba(0,0,0,0.12);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.18);
  --transition: 0.22s ease;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--charcoal);
  line-height: 1.15;
  margin: 0 0 0.5em;
}
p { margin: 0 0 1em; color: var(--gray-mid); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--charcoal);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.btn-primary::before {
  content: '';
  position: absolute;
  top: 0;
  left: -75%;
  width: 50%;
  height: 100%;
  background: linear-gradient(120deg, transparent, rgba(255,255,255,0.55), transparent);
  transform: skewX(-20deg);
  transition: left 0.65s ease;
  z-index: 1;
}
.btn-primary:hover::before { left: 130%; }
.btn-primary:hover { box-shadow: var(--shadow-lg); }
.btn-ghost {
  background: transparent;
  color: var(--gray-mid);
  border-color: var(--gray-light);
}
.btn-ghost:hover { border-color: var(--green); color: var(--green); }
.btn-lg { padding: 18px 36px; font-size: 1.05rem; }
.btn-nav { padding: 11px 22px; font-size: 0.85rem; }

.eyebrow {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  color: var(--gold-light);
  margin-bottom: 0.75em;
}
.eyebrow-dark { color: var(--gold); }

.section-head { text-align: center; max-width: 640px; margin: 0 auto 48px; }
.section-sub { color: var(--gray-mid); font-size: 1.05rem; }

/* ==========================================================================
   Header
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(26, 31, 26, 0.82);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(201, 146, 42, 0.25);
  transition: background var(--transition), box-shadow var(--transition);
}
.site-header.is-scrolled {
  background: rgba(20, 24, 20, 0.97);
  box-shadow: var(--shadow-md);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  gap: 24px;
  transition: padding var(--transition);
}
.site-header.is-scrolled .header-inner {
  padding-top: 10px;
  padding-bottom: 10px;
}
.logo { display: flex; align-items: baseline; gap: 8px; }
.logo-mark {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--gold-light);
}
.logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--white);
  letter-spacing: 0.04em;
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.logo-text small {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 0.62rem;
  letter-spacing: 0.08em;
  color: var(--gray-light);
  text-transform: uppercase;
}
.site-nav { display: flex; gap: 32px; }
.site-nav a {
  color: var(--gray-light);
  font-weight: 500;
  font-size: 0.92rem;
  transition: color var(--transition);
}
.site-nav a:hover { color: var(--gold-light); }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--charcoal) 0%, var(--green-dark) 120%);
  overflow: hidden;
  padding: 44px 0 48px;
}
.hero-bg {
  position: absolute;
  inset: -10%;
  background:
    radial-gradient(circle at 18% 22%, rgba(201,146,42,0.30), transparent 42%),
    radial-gradient(circle at 82% 28%, rgba(34,160,96,0.28), transparent 46%),
    radial-gradient(circle at 50% 95%, rgba(201,146,42,0.18), transparent 50%);
  background-repeat: no-repeat;
  animation: gradientDrift 16s ease-in-out infinite;
  pointer-events: none;
}
@keyframes gradientDrift {
  0%, 100% { transform: translate3d(0,0,0) scale(1); }
  50% { transform: translate3d(-2%, 2%, 0) scale(1.08); }
}
.hero-rays {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(115deg, transparent 40%, rgba(245,201,106,0.09) 41%, rgba(245,201,106,0.09) 42%, transparent 43%),
    linear-gradient(115deg, transparent 55%, rgba(245,201,106,0.07) 56%, rgba(245,201,106,0.07) 57%, transparent 58%);
  pointer-events: none;
  animation: rayShift 12s ease-in-out infinite alternate;
}
@keyframes rayShift {
  from { opacity: 0.7; transform: translateX(0); }
  to { opacity: 1; transform: translateX(2%); }
}
.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(201,146,42,0.12);
  border: 1px solid rgba(201,146,42,0.45);
  color: var(--gold-light);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  margin-bottom: 22px;
}
.hero-badge .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-light);
  box-shadow: 0 0 0 3px rgba(245,201,106,0.25);
  animation: dotPulse 1.7s ease infinite;
}
@keyframes dotPulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 3px rgba(245,201,106,0.25); }
  50% { opacity: 0.5; box-shadow: 0 0 0 6px rgba(245,201,106,0.08); }
}
.hero-copy h1 {
  color: var(--white);
  font-size: clamp(2.3rem, 4.4vw, 3.4rem);
  font-weight: 800;
  margin-bottom: 0.4em;
  letter-spacing: -0.01em;
}
.hero-copy h1 span {
  background: linear-gradient(90deg, var(--gold-light), var(--gold), var(--gold-light));
  background-size: 200% auto;
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  animation: shine 5s linear infinite;
}
@keyframes shine { to { background-position: 200% center; } }
.hero-sub {
  color: rgba(255,255,255,0.78);
  font-size: 1.1rem;
  max-width: 520px;
}
.hero-sub strong { color: var(--gold-light); }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, auto);
  gap: 20px;
  margin: 28px 0 32px;
}
.hero-stat { display: flex; flex-direction: column; }
.hero-stat .num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--gold-light);
  font-variant-numeric: tabular-nums;
}
.hero-stat .label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.btn-glow { box-shadow: 0 0 0 0 rgba(245,201,106,0.5), var(--shadow-md); animation: btnPulse 2.6s ease-in-out infinite; }
@keyframes btnPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(245,201,106,0.35), var(--shadow-md); }
  50% { box-shadow: 0 0 0 10px rgba(245,201,106,0), var(--shadow-md); }
}
.hero-media {
  position: relative;
  z-index: 2;
  display: flex;
  justify-content: center;
}
.hero-media-glow {
  position: absolute;
  left: 12%;
  right: 12%;
  bottom: 4%;
  height: 36%;
  background: radial-gradient(closest-side, rgba(201,146,42,0.42), transparent 75%);
  filter: blur(22px);
}
.hero-photo {
  position: relative;
  max-height: 400px;
  width: auto;
  margin: 0 auto;
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.45));
}
.hero-signature {
  position: absolute;
  bottom: 4px;
  right: 6%;
  font-family: 'Sora', cursive;
  font-style: italic;
  color: var(--gold-light);
  font-size: 1rem;
  opacity: 0.85;
}

/* ==========================================================================
   Ticker
   ========================================================================== */
.ticker {
  position: relative;
  background: var(--charcoal);
  overflow: hidden;
  white-space: nowrap;
  padding: 14px 0;
  z-index: 1;
  border-bottom: 3px solid var(--gold);
}
.ticker-track {
  display: inline-flex;
  align-items: center;
  gap: 28px;
  width: max-content;
  animation: tickerScroll 24s linear infinite;
}
.ticker:hover .ticker-track { animation-play-state: paused; }
.tick {
  color: var(--gold-light);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.09em;
}
.tick-sep { color: rgba(255,255,255,0.25); font-size: 0.7rem; }
@keyframes tickerScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
/* ==========================================================================
   Process strip
   ========================================================================== */
.process { background: var(--gold-pale); padding: 48px 0; position: relative; z-index: 2; }
.process-inner {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.process-step { max-width: 240px; text-align: center; transition: transform var(--transition); }
.process-step:hover { transform: translateY(-4px); }
.process-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--charcoal);
  color: var(--gold-light);
  font-family: var(--font-display);
  font-weight: 800;
  margin-bottom: 12px;
  box-shadow: 0 0 0 4px rgba(201,146,42,0.12);
  transition: box-shadow var(--transition);
}
.process-step:hover .process-num { box-shadow: 0 0 0 7px rgba(201,146,42,0.18); }
.process-step h3 { font-size: 1.05rem; margin-bottom: 0.35em; }
.process-step p { font-size: 0.9rem; margin: 0; }
.process-connector {
  width: 60px;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--gold), var(--gold) 6px, transparent 6px, transparent 12px);
  margin-top: 20px;
}

/* ==========================================================================
   Deal form
   ========================================================================== */
.deal-form-section { padding: 80px 0; background: var(--white); }
.jv-form {
  max-width: 780px;
  margin: 0 auto;
  background: var(--gray-pale);
  border: 1px solid #e4ebe6;
  border-radius: 20px;
  padding: 40px;
  box-shadow: var(--shadow-md);
}
.hp-field { position: absolute; left: -9999px; }

.progress-track { position: relative; margin-bottom: 40px; }
.progress-track::before {
  content: '';
  position: absolute;
  top: 15px;
  left: 0;
  right: 0;
  height: 3px;
  background: #dfe7e1;
  border-radius: 3px;
}
.progress-fill {
  position: absolute;
  top: 15px;
  left: 0;
  height: 3px;
  width: 0%;
  background: linear-gradient(90deg, var(--green), var(--gold));
  border-radius: 3px;
  transition: width 0.3s ease;
}
.progress-steps {
  position: relative;
  display: flex;
  justify-content: space-between;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--gray-light);
  text-align: center;
  flex: 1;
}
.progress-step em {
  font-style: normal;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid #dfe7e1;
  color: var(--gray-light);
  font-family: var(--font-display);
  font-weight: 700;
  transition: all var(--transition);
}
.progress-step.is-active em,
.progress-step.is-done em {
  border-color: var(--green);
  background: var(--green);
  color: var(--white);
}
.progress-step.is-active { color: var(--green-dark); }
.progress-step.is-done { color: var(--green-dark); }

.form-step { display: none; border: 0; padding: 0; margin: 0; }
.form-step.is-active { display: block; animation: fadeIn 0.25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px);} to { opacity: 1; transform: translateY(0);} }
.form-step legend {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  margin-bottom: 20px;
  padding: 0;
}

.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.field-full { grid-column: 1 / -1; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gray-dark);
}
.field input,
.field select,
.field textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 12px 14px;
  border-radius: 8px;
  border: 1.5px solid #d8e2dc;
  background: var(--white);
  color: var(--charcoal);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(26,122,74,0.14);
}
.field textarea { resize: vertical; }
.field input[type="file"] {
  padding: 9px 14px;
  cursor: pointer;
}
.input-prefix {
  display: flex;
  align-items: stretch;
  border-radius: 8px;
  border: 1.5px solid #d8e2dc;
  background: var(--white);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.input-prefix:focus-within {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(26,122,74,0.14);
}
.input-prefix span {
  display: flex;
  align-items: center;
  padding: 0 12px;
  background: var(--gray-pale);
  color: var(--gray-mid);
  font-weight: 600;
  border-right: 1.5px solid #d8e2dc;
}
.input-prefix input {
  border: none !important;
  box-shadow: none !important;
  flex: 1;
  min-width: 0;
}

.radio-row, .checkbox-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-pill, .checkbox-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border-radius: 999px;
  border: 1.5px solid #d8e2dc;
  background: var(--white);
  font-size: 0.88rem;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--transition);
}
.radio-pill:has(input:checked), .checkbox-pill:has(input:checked) {
  border-color: var(--green);
  background: var(--green-pale);
  color: var(--green-dark);
}
.checkbox-consent {
  border-radius: 12px;
  align-items: flex-start;
  font-size: 0.85rem;
  line-height: 1.4;
  font-weight: 400;
  color: var(--gray-mid);
}
.checkbox-consent input { margin-top: 3px; }

.form-nav {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  margin-top: 32px;
}
.form-nav .btn { flex: 0 0 auto; }
.form-confidential {
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-light);
  margin: 18px 0 0;
}

.form-error {
  text-align: center;
  color: var(--red-soft);
  font-size: 0.9rem;
  margin-top: 16px;
}

/* ==========================================================================
   Thank-you page hero
   ========================================================================== */
.ty-hero { padding: 88px 0 96px; }
.ty-hero-inner {
  position: relative;
  z-index: 2;
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.ty-icon {
  width: 76px; height: 76px;
  margin: 0 auto 22px;
  border-radius: 50%;
  background: rgba(34,160,96,0.16);
  border: 1px solid rgba(34,160,96,0.4);
  color: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 0 0 8px rgba(34,160,96,0.08);
}
.ty-icon svg { width: 38px; height: 38px; }
.ty-hero-inner h1 { margin-bottom: 0.45em; }
.ty-hero-inner .hero-sub { max-width: 560px; margin-left: auto; margin-right: auto; }
.ty-hero-inner .btn { margin-top: 8px; }

/* ==========================================================================
   How I help
   ========================================================================== */
.help-section { padding: 80px 0; background: var(--gray-pale); }
.help-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.help-card {
  background: var(--white);
  border: 1px solid #e4ebe6;
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.help-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.help-icon {
  width: 56px; height: 56px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--green-pale);
  color: var(--green);
  display: flex; align-items: center; justify-content: center;
}
.help-icon svg { width: 26px; height: 26px; }
.help-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.help-card p { font-size: 0.9rem; margin: 0; }

/* ==========================================================================
   Why partner
   ========================================================================== */
.why-section { padding: 80px 0; background: var(--white); }
.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.why-copy h2 { font-size: 2rem; }
.why-list { display: flex; flex-direction: column; gap: 24px; }
.why-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding-bottom: 24px;
  border-bottom: 1px solid #e4ebe6;
  transition: transform var(--transition);
}
.why-item:hover { transform: translateX(6px); }
.why-item:last-child { border-bottom: none; padding-bottom: 0; }
.why-icon {
  flex: 0 0 auto;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gold-pale);
  color: var(--gold);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex; align-items: center; justify-content: center;
}
.why-icon svg { width: 22px; height: 22px; }
.why-item h4 { font-size: 1.05rem; margin-bottom: 4px; }
.why-item p { margin: 0; font-size: 0.92rem; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testimonials-section { padding: 80px 0; background: var(--gray-pale); }
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  position: relative;
  background: var(--white);
  border: 1px solid #e4ebe6;
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 32px 28px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.quote-mark {
  width: 30px;
  height: 30px;
  color: var(--gold-light);
  opacity: 0.9;
  margin-bottom: 10px;
}
.stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; font-size: 1rem; }
.testimonial-card p { font-style: italic; color: var(--gray-dark); }
.testimonial-author { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.author-avatar {
  flex: 0 0 auto;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--gold-pale);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.85rem;
}
.author-meta { display: flex; flex-direction: column; }
.author-name { font-weight: 700; font-size: 0.92rem; color: var(--charcoal); }
.author-role { font-size: 0.8rem; color: var(--gray-light); }

/* ==========================================================================
   Final CTA
   ========================================================================== */
.final-cta {
  background: linear-gradient(160deg, var(--charcoal), var(--green-dark));
  padding: 72px 0;
}
.final-cta-inner { text-align: center; }
.final-cta h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 2.8rem);
}
.final-cta p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 28px; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--charcoal); padding: 32px 0; }
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-inner p { color: var(--gray-light); font-size: 0.85rem; margin: 0; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-media { order: -1; }
  .hero-photo { max-height: 320px; }
  .hero-stats { grid-template-columns: repeat(2, auto); }
  .why-inner { grid-template-columns: 1fr; }
  .help-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: 1fr; }
  .site-nav { display: none; }
}
@media (max-width: 640px) {
  .field-grid { grid-template-columns: 1fr; }
  .jv-form { padding: 24px; }
  .progress-step span, .progress-step { font-size: 0.6rem; }
  .help-grid { grid-template-columns: 1fr; }
  .process-connector { display: none; }
  .header-inner { gap: 12px; }
  .btn-nav { padding: 9px 16px; font-size: 0.78rem; }
}

/* ==========================================================================
   Scroll-reveal system
   ========================================================================== */
.section-head,
.jv-form,
.help-card,
.why-item,
.testimonial-card,
.process-step,
.final-cta-inner {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1), transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.section-head.is-visible,
.jv-form.is-visible,
.help-card.is-visible,
.why-item.is-visible,
.testimonial-card.is-visible,
.process-step.is-visible,
.final-cta-inner.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.help-grid .help-card:nth-child(2) { transition-delay: 0.08s; }
.help-grid .help-card:nth-child(3) { transition-delay: 0.16s; }
.help-grid .help-card:nth-child(4) { transition-delay: 0.24s; }
.process-inner .process-step:nth-child(3) { transition-delay: 0.1s; }
.process-inner .process-step:nth-child(5) { transition-delay: 0.2s; }
.testimonial-grid .testimonial-card:nth-child(2) { transition-delay: 0.1s; }
.testimonial-grid .testimonial-card:nth-child(3) { transition-delay: 0.2s; }
.why-list .why-item:nth-child(2) { transition-delay: 0.1s; }
.why-list .why-item:nth-child(3) { transition-delay: 0.2s; }

@media (prefers-reduced-motion: reduce) {
  .section-head, .jv-form, .help-card, .why-item, .testimonial-card, .process-step, .final-cta-inner {
    opacity: 1;
    transform: none;
    transition: none;
  }
  .hero-bg, .hero-rays, .ticker-track, .btn-glow, .hero-badge .dot {
    animation: none !important;
  }
}

/* ==========================================================================
   Film-grain texture overlay (subtle, adds premium depth)
   ========================================================================== */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  z-index: 9999;
  pointer-events: none;
  opacity: 0.035;
  mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}