* { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --bg: #0D1B2A;
      --bg-alt: #0A1A12;
      --bg-strip: rgba(232,82,26,0.05);
      --text: #F5F5F5;
      --text-muted: #AAAAAA;
      --text-sub: #888888;
      --border: #1a3020;
      --card-bg: #0A1A12;
      --input-bg: #0A1A12;
      --input-border: #1a3020;
      --accent: #EA580C;
      --accent-dark: #C94D09;
      --navy: #2E3192;
      --header-bg: rgba(13,27,42,0.97);
      --table-head-bg: rgba(234,88,12,0.15);
      --table-alt: rgba(255,255,255,0.02);
      --check: #4ade80;
      --cross: #f87171;
      --shadow: 0 4px 24px rgba(0,0,0,0.4);
    }
    @media (prefers-color-scheme: light) {
      :root {
        --bg: #FFFFFF;
        --bg-alt: #F8F9FA;
        --bg-strip: rgba(234,88,12,0.06);
        --text: #1A1A2E;
        --text-muted: #4B5563;
        --text-sub: #9CA3AF;
        --border: #E5E7EB;
        --card-bg: #F8F9FA;
        --input-bg: #FFFFFF;
        --input-border: #D1D5DB;
        --accent: #EA580C;
        --accent-dark: #C94D09;
        --navy: #2E3192;
        --header-bg: rgba(255,255,255,0.97);
        --table-head-bg: rgba(234,88,12,0.12);
        --table-alt: rgba(0,0,0,0.02);
        --check: #16a34a;
        --cross: #dc2626;
        --shadow: 0 4px 24px rgba(0,0,0,0.1);
      }
    }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
      background: var(--bg);
      color: var(--text);
      line-height: 1.6;
      font-size: 16px;
      overflow-x: hidden;
    }
    .site-header {
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      background: var(--header-bg);
      border-bottom: 1px solid var(--border);
      backdrop-filter: blur(12px);
      -webkit-backdrop-filter: blur(12px);
      box-shadow: var(--shadow);
    }
    .header-inner {
      max-width: 1100px; margin: 0 auto; padding: 14px 24px;
      display: flex; align-items: center; justify-content: space-between; gap: 16px;
    }
    .header-logo { font-size: 15px; font-weight: 700; color: var(--text); white-space: nowrap; }
    .header-logo span { color: var(--accent); }
    .header-phone {
      display: flex; align-items: center; gap: 8px;
      font-size: 15px; font-weight: 600; color: var(--text); text-decoration: none;
    }
    .header-phone:hover { color: var(--accent); }
    .header-cta { display: none; }
    @media (min-width: 640px) {
      .header-cta {
        display: inline-block; background: var(--accent); color: #fff;
        font-size: 13px; font-weight: 600; padding: 10px 20px; border-radius: 6px;
        text-decoration: none; white-space: nowrap; transition: background 0.2s;
      }
      .header-cta:hover { background: var(--accent-dark); }
    }
    .urgency-strip {
      display: block; width: 100%; background: var(--accent); color: #fff;
      text-align: center; padding: 10px 24px; font-size: 14px; font-weight: 600;
      margin-top: 57px; letter-spacing: 0.01em; box-sizing: border-box;
    }
    .hero-section { padding: 72px 24px 80px; max-width: 900px; margin: 0 auto; text-align: center; }
    .hero-section h1 {
      font-size: 36px; font-weight: 700; line-height: 1.2; letter-spacing: -0.02em;
      color: var(--text); margin-bottom: 20px;
    }
    @media (min-width: 768px) { .hero-section h1 { font-size: 52px; margin-bottom: 24px; } }
    .hero-subheadline {
      font-size: 18px; color: var(--text-muted); max-width: 600px; margin: 0 auto 16px; line-height: 1.5;
    }
    .hero-phone-link { display: block; font-size: 22px; font-weight: 700; color: var(--accent); text-decoration: none; margin-bottom: 36px; }
    .hero-phone-link:hover { color: var(--accent-dark); }
    .btn {
      display: inline-block; background: var(--accent); color: #fff; font-size: 15px; font-weight: 600;
      padding: 16px 40px; border-radius: 8px; text-decoration: none; border: none; cursor: pointer;
      transition: background 0.2s, transform 0.1s; text-align: center;
    }
    .btn:hover { background: var(--accent-dark); }
    .btn:active { transform: scale(0.98); }
    .btn-full-mobile { width: 100%; }
    @media (min-width: 768px) { .btn-full-mobile { width: auto; } }
    .empathy-section { background: var(--bg-strip); padding: 60px 24px; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .empathy-grid { display: grid; grid-template-columns: 1fr; gap: 40px; max-width: 900px; margin: 0 auto; }
    @media (min-width: 768px) { .empathy-grid { grid-template-columns: repeat(3, 1fr); gap: 32px; } }
    .empathy-card { text-align: center; }
    .empathy-icon { font-size: 48px; margin-bottom: 16px; display: block; }
    .empathy-card h3 { font-size: 18px; font-weight: 600; color: var(--text); margin-bottom: 12px; }
    .empathy-card p { font-size: 15px; color: var(--text-muted); line-height: 1.5; }
    .hiw-section { padding: 80px 24px; max-width: 900px; margin: 0 auto; text-align: center; }
    .section-label { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
    .section-title { font-size: 32px; font-weight: 700; color: var(--text); margin-bottom: 16px; line-height: 1.3; }
    @media (min-width: 768px) { .section-title { font-size: 40px; } }
    .section-sub { font-size: 16px; color: var(--text-muted); max-width: 600px; margin: 0 auto 56px; line-height: 1.6; }
    .hiw-grid { display: grid; grid-template-columns: 1fr; gap: 0; position: relative; }
    @media (min-width: 768px) { .hiw-grid { grid-template-columns: repeat(3, 1fr); gap: 0; } }
    .hiw-step { display: flex; flex-direction: column; align-items: center; padding: 32px 24px; position: relative; }
    .hiw-number {
      width: 56px; height: 56px; background: var(--accent); color: #fff; border-radius: 50%;
      display: flex; align-items: center; justify-content: center; font-size: 22px; font-weight: 700;
      margin-bottom: 20px; flex-shrink: 0;
    }
    .hiw-step h3 { font-size: 18px; font-weight: 700; color: var(--text); margin-bottom: 10px; }
    .hiw-step p { font-size: 15px; color: var(--text-muted); line-height: 1.5; }
    .hiw-step .hiw-time { font-size: 12px; font-weight: 600; color: var(--accent); margin-top: 8px; letter-spacing: 0.05em; text-transform: uppercase; }
    .options-section { padding: 80px 24px; max-width: 900px; margin: 0 auto; }
    .options-header { margin-bottom: 48px; }
    .options-header h2 { font-size: 32px; font-weight: 700; color: var(--text); margin-bottom: 16px; line-height: 1.3; }
    @media (min-width: 768px) { .options-header h2 { font-size: 40px; } }
    .options-subtext { font-size: 16px; color: var(--text-muted); max-width: 700px; line-height: 1.6; }
    .options-grid { display: grid; grid-template-columns: 1fr; gap: 16px; }
    @media (min-width: 768px) { .options-grid { grid-template-columns: 1fr 1fr; gap: 20px; } }
    .option-card { background: var(--card-bg); border: 1px solid var(--border); border-left: 4px solid var(--accent); border-radius: 6px; padding: 20px 24px; transition: border-color 0.2s, background 0.2s; }
    .option-card:hover { border-color: var(--accent); background: rgba(234,88,12,0.04); }
    .option-card h3 { font-size: 16px; font-weight: 600; color: var(--text); }
    .option-card p { font-size: 14px; color: var(--text-muted); line-height: 1.5; margin-top: 6px; }
    .compare-section { padding: 80px 24px; background: var(--bg-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .compare-inner { max-width: 820px; margin: 0 auto; }
    .compare-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: 10px; border: 1px solid var(--border); box-shadow: var(--shadow); }
    .compare-table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 560px; }
    .compare-table th { padding: 16px 20px; text-align: center; font-weight: 700; font-size: 15px; background: var(--table-head-bg); color: var(--text); border-bottom: 2px solid var(--border); }
    .compare-table th:first-child { text-align: left; width: 42%; }
    .compare-table th.us-col { color: var(--accent); }
    .compare-table td { padding: 14px 20px; border-bottom: 1px solid var(--border); color: var(--text-muted); vertical-align: middle; }
    .compare-table td:first-child { font-weight: 500; color: var(--text); }
    .compare-table td:not(:first-child) { text-align: center; }
    .compare-table tr:nth-child(even) td { background: var(--table-alt); }
    .compare-table tr:last-child td { border-bottom: none; }
    .icon-yes { color: var(--check); font-size: 18px; }
    .icon-no  { color: var(--cross); font-size: 18px; }
    .testimonials-section { padding: 80px 24px; max-width: 1000px; margin: 0 auto; text-align: center; }
    .testi-grid { display: grid; grid-template-columns: 1fr; gap: 24px; margin-top: 48px; }
    @media (min-width: 768px) { .testi-grid { grid-template-columns: repeat(3, 1fr); } }
    .testi-card { background: var(--card-bg); border: 1px solid var(--border); border-radius: 10px; padding: 28px 24px; text-align: left; position: relative; }
    .testi-stars { color: var(--accent); font-size: 16px; margin-bottom: 12px; letter-spacing: 2px; }
    .testi-quote { font-size: 15px; color: var(--text-muted); line-height: 1.6; margin-bottom: 20px; font-style: italic; }
    .testi-name { font-size: 14px; font-weight: 700; color: var(--text); }
    .testi-location { font-size: 13px; color: var(--text-sub); }
    .foreclosure-section { padding: 80px 24px; background: var(--bg-alt); border-top: 1px solid var(--border); }
    .foreclosure-inner { max-width: 900px; margin: 0 auto; }
    .faq-section { padding: 80px 24px; max-width: 760px; margin: 0 auto; }
    .faq-list { margin-top: 48px; display: flex; flex-direction: column; gap: 0; border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
    .faq-item { border-bottom: 1px solid var(--border); }
    .faq-item:last-child { border-bottom: none; }
    .faq-question {
      width: 100%; background: none; border: none; padding: 20px 24px; display: flex;
      justify-content: space-between; align-items: center; gap: 16px; cursor: pointer;
      color: var(--text); font-size: 16px; font-weight: 600; text-align: left; transition: background 0.15s;
    }
    .faq-question:hover { background: var(--bg-strip); }
    .faq-chevron { font-size: 18px; color: var(--accent); transition: transform 0.25s; flex-shrink: 0; }
    .faq-item.open .faq-chevron { transform: rotate(180deg); }
    .faq-answer { display: none; padding: 0 24px 20px; font-size: 15px; color: var(--text-muted); line-height: 1.7; }
    .faq-item.open .faq-answer { display: block; }
    .form-section { padding: 80px 24px; background: var(--bg-strip); border-top: 1px solid var(--border); }
    .form-container { max-width: 600px; margin: 0 auto; }
    .form-header { text-align: center; margin-bottom: 48px; }
    .form-header h2 { font-size: 32px; font-weight: 700; color: var(--text); margin-bottom: 16px; }
    .form-subtext { font-size: 16px; color: var(--text-muted); line-height: 1.6; }
    .form-group { margin-bottom: 20px; }
    .form-group label { display: block; font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 8px; }
    .form-group input, .form-group select, .form-group textarea {
      width: 100%; padding: 14px 16px; background: var(--input-bg); border: 1px solid var(--input-border);
      border-radius: 6px; color: var(--text); font-size: 15px; font-family: 'Inter', sans-serif; transition: border-color 0.2s;
    }
    .form-group textarea { display: block; width: 100%; resize: vertical; min-height: 110px; }
    .form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(234,88,12,0.15); }
    .form-group input::placeholder, .form-group textarea::placeholder { color: var(--text-sub); }
    .form-group select {
      cursor: pointer; appearance: none;
      background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23AAAAAA' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
      background-repeat: no-repeat; background-position: right 12px center; background-size: 20px; padding-right: 40px;
    }
    .form-check-group { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 20px; }
    .form-check-group input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; accent-color: var(--accent); cursor: pointer; }
    .form-check-group label { font-size: 12px; color: var(--text-sub); line-height: 1.6; font-weight: 400; cursor: pointer; }
    .form-submit-wrapper { margin-top: 32px; display: flex; justify-content: center; }
    .form-submit-wrapper .btn { width: 100%; }
    @media (min-width: 768px) { .form-submit-wrapper .btn { width: auto; } }
    .form-privacy { text-align: center; font-size: 12px; color: var(--text-sub); margin-top: 16px; }
    .form-success { display: none; text-align: center; padding: 40px 24px; background: rgba(234,88,12,0.1); border: 1px solid var(--accent); border-radius: 8px; margin-top: 20px; }
    .form-success.show { display: block; }
    .form-success h3 { font-size: 20px; font-weight: 700; color: var(--accent); margin-bottom: 12px; }
    .form-success p { font-size: 15px; color: var(--text-muted); }
    .form-error { display: none; text-align: center; padding: 16px; background: rgba(234,88,12,0.1); border: 1px solid var(--accent); border-radius: 6px; margin-bottom: 20px; color: var(--text-muted); font-size: 14px; }
    .form-error.show { display: block; }
    .qualifying-section.hidden { display: none; }
    .disqualify-message { display: none; text-align: center; padding: 40px 24px; background: rgba(234,88,12,0.1); border: 1px solid var(--accent); border-radius: 8px; margin-top: 20px; }
    .disqualify-message.show { display: block; }
    .disqualify-message h3 { font-size: 20px; font-weight: 700; color: var(--accent); margin-bottom: 12px; }
    .disqualify-message p { font-size: 15px; color: var(--text-muted); line-height: 1.6; }
    .main-form-fields { display: none; }
    .main-form-fields.visible { display: block; }
    .footer-section { padding: 60px 24px; background: var(--bg); border-top: 1px solid var(--border); text-align: center; }
    .footer-disclaimer { max-width: 800px; margin: 0 auto 32px; font-size: 13px; color: var(--text-sub); line-height: 1.6; }
    .footer-disclaimer strong { color: var(--text-muted); }
    .footer-copyright { font-size: 12px; color: var(--text-sub); }
    .section-divider { width: 48px; height: 3px; background: var(--accent); border-radius: 2px; margin: 0 auto 40px; }