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                                        You may not owe<br>what they claim you owe.
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                                        Predatory lenders count on borrowers not understanding their complex rights. But state and federal laws enforce strict limitations on what lenders can legally charge and how they must operate.
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                                        When a lender breaks these rules, you acquire legal leverage. You may have immediate grounds to stop payments, dispute the balance, or recover funds already paid.
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                                        <p class="font-serif text-xl italic text-brand-dark">"The only way to know the truth about your loan is a professional legal review. And ours costs nothing."</p>
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                                <h2 class="text-4xl md:text-5xl font-serif font-medium mb-6">Do You Qualify for Relief?</h2>
                                <p class="text-gray-400 font-light text-lg">If your loan exhibits any of these common violations, it may be legally unenforceable.</p>
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                                    <h3 class="text-2xl font-serif mb-4">Excessive Interest Rates</h3>
                                    <p class="text-gray-400 font-light leading-relaxed">Many states enforce strict caps on payday loan annual percentage rates (APR). When online or out-of-state lenders charge above these caps, the contract often becomes legally void and unenforceable.</p>
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                                    <h3 class="text-2xl font-serif mb-4">Unlicensed Lenders</h3>
                                    <p class="text-gray-400 font-light leading-relaxed">Lenders must hold proper licenses in your specific state to issue loans. Many offshore and tribal lenders do not.</p>
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                                    <h3 class="text-2xl font-serif mb-4">Collector Harassment</h3>
                                    <p class="text-gray-400 font-light leading-relaxed">Violations of the Fair Debt Collection Practices Act give you immediate legal leverage to fight back.</p>
                                </div>

                                <!-- Large Card -->
                                <div class="md:col-span-2 bg-white/5 border border-white/10 p-10 backdrop-blur-sm hover:bg-white/10 transition-colors duration-500 reveal reveal-delay-3 group">
                                    <div class="flex justify-between items-start mb-16">
                                        <div class="w-14 h-14 rounded-full bg-brand-accent/20 flex items-center justify-center text-brand-accent">
                                            <i class="ph-light ph-stack text-3xl"></i>
                                        </div>
                                        <i class="ph-light ph-arrow-up-right text-gray-500 text-2xl group-hover:text-brand-accent transition-colors"></i>
                                    </div>
                                    <h3 class="text-2xl font-serif mb-4">The Debt Trap: Multiple Loans & Stagnant Balances</h3>
                                    <p class="text-gray-400 font-light leading-relaxed max-w-2xl">Stacking multiple payday loans, or paying for months without the principal decreasing, are hallmark signs of a predatory lending trap. These patterns often indicate that the underlying loan terms are challengeable under consumer protection statutes.</p>
                                </div>
                            </div>
                            
                            <div class="mt-20 text-center reveal">
                                <a href="#review" class="btn-primary px-12">Submit Your Loan for Review</a>
                            </div>
                        </div>
                    </div>

                    <!-- Elegant Process Section -->
                    <div class="py-32 bg-white texture-light relative border-b border-gray-100">
                        <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">
                            <div class="text-center mb-24 reveal">
                                <h2 class="text-4xl md:text-5xl font-serif font-medium text-brand-dark mb-6">How The Evaluation Works</h2>
                                <p class="text-xl font-light text-brand-muted">A streamlined, white-glove process.</p>
                            </div>
                            
                            <div class="relative max-w-5xl mx-auto">
                                <!-- Connector line -->
                                <div class="hidden md:block absolute top-12 left-0 w-full h-[1px] bg-gray-200"></div>
                                
                                <div class="grid grid-cols-1 md:grid-cols-3 gap-16 relative">
                                    <!-- Step 1 -->
                                    <div class="relative reveal">
                                        <div class="w-24 h-24 bg-white border border-gray-200 rounded-full flex items-center justify-center text-3xl font-serif text-brand-accent mb-8 mx-auto relative z-10 shadow-sm">
                                            01.
                                        </div>
                                        <div class="text-center">
                                            <h4 class="text-xl font-serif font-medium text-brand-dark mb-4">Provide Details</h4>
                                            <p class="font-light text-brand-muted leading-relaxed">Complete our secure, 60-second intake form. No credit check required, and absolutely no obligation.</p>
                                        </div>
                                    </div>
                                    
                                    <!-- Step 2 -->
                                    <div class="relative reveal reveal-delay-1">
                                        <div class="w-24 h-24 bg-brand-dark border-4 border-white rounded-full flex items-center justify-center text-3xl font-serif text-white mb-8 mx-auto relative z-10 shadow-md">
                                            02.
                                        </div>
                                        <div class="text-center">
                                            <h4 class="text-xl font-serif font-medium text-brand-dark mb-4">Legal Evaluation</h4>
                                            <p class="font-light text-brand-muted leading-relaxed">Our professionals cross-reference your specific loan documents against complex state and federal lending statutes.</p>
                                        </div>
                                    </div>
                                    
                                    <!-- Step 3 -->
                                    <div class="relative reveal reveal-delay-2">
                                        <div class="w-24 h-24 bg-white border border-gray-200 rounded-full flex items-center justify-center text-3xl font-serif text-brand-accent mb-8 mx-auto relative z-10 shadow-sm">
                                            03.
                                        </div>
                                        <div class="text-center">
                                            <h4 class="text-xl font-serif font-medium text-brand-dark mb-4">Clear Counsel</h4>
                                            <p class="font-light text-brand-muted leading-relaxed">We provide a plain-English breakdown of your legal standing and viable options to resolve the debt.</p>
                                        </div>
                                    </div>
                                </div>
                            </div>
                        </div>
                    </div>

                    <!-- Editorial Testimonials -->
                    <div class="py-32 bg-surface">
                        <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">
                            <div class="grid grid-cols-1 md:grid-cols-2 gap-16">
                                <div class="reveal">
                                    <h2 class="text-4xl font-serif font-medium text-brand-dark mb-12">Client Outcomes</h2>
                                    <div class="mb-12 relative pl-8 border-l border-brand-accent">
                                        <i class="ph-fill ph-quotes text-5xl text-gray-200 absolute -top-4 -left-6 z-0"></i>
                                        <p class="text-xl font-light text-brand-dark leading-relaxed relative z-10 mb-6 italic">
                                            "I had no idea my payday loan was something I could challenge legally. Cordoba walked me through the statutes and I stopped paying a lender who had no legal right to collect in my state."
                                        </p>
                                        <p class="text-sm uppercase tracking-widest font-semibold text-brand-accent">Denise K. — Verified Client</p>
                                    </div>
                                </div>
                                <div class="reveal reveal-delay-2 pt-0 md:pt-20">
                                    <div class="mb-12 relative pl-8 border-l border-gray-300">
                                        <i class="ph-fill ph-quotes text-5xl text-gray-200 absolute -top-4 -left-6 z-0"></i>
                                        <p class="text-xl font-light text-brand-muted leading-relaxed relative z-10 mb-6 italic">
                                            "I had three loans and thought I was trapped forever. The legal review was incredibly thorough and revealed two of them weren't even legally binding in my jurisdiction."
                                        </p>
                                        <p class="text-sm uppercase tracking-widest font-semibold text-gray-400">Marcus B. — Verified Client</p>
                                    </div>
                                </div>
                            </div>
                        </div>
                    </div>

                    <!-- Cinematic Footer CTA -->
                    <div class="dark-section-bg py-32 text-center border-t border-white/5">
                        <div class="max-w-4xl mx-auto px-4 reveal">
                            <i class="ph-light ph-scales text-5xl text-brand-accent mb-8"></i>
                            <h2 class="text-4xl md:text-6xl font-serif font-medium text-white mb-8 leading-tight">Take the First Step Toward Resolution.</h2>
                            <p class="text-xl text-gray-400 mb-12 font-light max-w-2xl mx-auto">The initial review costs nothing. The clarity it provides could change everything.</p>
                            <div class="flex flex-col sm:flex-row justify-center items-center gap-6">
                                <a href="#review" class="btn-primary w-full sm:w-auto h-14">Begin Your Free Review</a>
                            </div>
                        </div>
                    </div>
                </div>
            `,
            // ----------------------------------------------------
            // DEDICATED FORM PAGE (White-Glove Intake)
            // ----------------------------------------------------
            review: `
                <div class="animate-fade-in bg-white min-h-screen">
                    <div class="flex flex-col lg:flex-row min-h-screen -mt-24 pt-24">
                        
                        <!-- Left Side: Cinematic Info -->
                        <div class="lg:w-5/12 bg-brand-dark relative flex flex-col justify-between p-10 md:p-16 text-white min-h-[40vh] lg:min-h-screen lg:fixed lg:left-0 lg:top-0 lg:bottom-0">
                            <!-- Background Texture -->
                            <div class="absolute inset-0 opacity-20 bg-[url('https://images.unsplash.com/photo-1505664177241-180a5f8220f1?auto=format&fit=crop&w=1200&q=80')] bg-cover bg-center mix-blend-overlay"></div>
                            <div class="absolute inset-0 bg-gradient-to-b from-brand-dark/50 to-brand-dark"></div>
                            
                            <div class="relative z-10 pt-10">
                                <div class="cursor-pointer inline-block" onclick="navigate('home')">
                                    <i class="ph-light ph-arrow-left text-brand-accent text-2xl mb-10 hover:-translate-x-2 transition-transform"></i>
                                </div>
                                <span class="text-brand-accent text-xs tracking-[0.2em] uppercase font-bold mb-4 block">Secure Intake</span>
                                <h1 class="text-4xl md:text-5xl font-serif font-medium mb-6 leading-tight">Confidential<br>Case Evaluation</h1>
                                <p class="text-gray-400 font-light text-lg mb-10 leading-relaxed max-w-md">
                                    Provide the details of your loan. Our legal professionals will analyze the terms against your state's specific lending statutes to determine its legal enforceability.
                                </p>
                            </div>
                            
                            <div class="relative z-10 hidden lg:block">
                                <div class="border-t border-white/10 pt-8 mt-8">
                                    <div class="flex items-center mb-4 text-sm font-light text-gray-300">
                                        <i class="ph-light ph-lock-key text-brand-accent mr-3 text-xl"></i>
                                        <span>256-bit Secure Encrypted Transmission</span>
                                    </div>
                                    <div class="flex items-center text-sm font-light text-gray-300">
                                        <i class="ph-light ph-shield-check text-brand-accent mr-3 text-xl"></i>
                                        <span>100% Confidential Legal Review</span>
                                    </div>
                                </div>
                            </div>
                        </div>
                        
                        <!-- Right Side: The Form -->
                        <div class="lg:w-7/12 lg:ml-auto bg-white p-6 md:p-16 lg:p-24 flex items-center justify-center texture-light min-h-screen">
                            <div class="w-full max-w-2xl reveal">
                                
                                <form id="paydayForm" class="space-y-16">
                                    
                                    <!-- Section 1: Contact Info -->
                                    <div>
                                        <div class="flex items-center mb-8">
                                            <span class="text-brand-accent font-serif text-2xl mr-4">01.</span>
                                            <h3 class="text-2xl font-serif font-medium text-brand-dark border-b border-gray-200 pb-2 flex-grow">Personal Details</h3>
                                        </div>
                                        <div class="grid grid-cols-1 md:grid-cols-2 gap-x-8 gap-y-10">
                                            <div class="relative">
                                                <input type="text" name="firstName" required class="input-field peer" placeholder=" ">
                                                <label class="absolute text-sm text-gray-500 duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] peer-focus:left-0 peer-focus:text-brand-accent peer-placeholder-shown:scale-100 peer-placeholder-shown:translate-y-0 peer-focus:scale-75 peer-focus:-translate-y-6 font-light">First Name *</label>
                                            </div>
                                            <div class="relative">
                                                <input type="text" name="lastName" required class="input-field peer" placeholder=" ">
                                                <label class="absolute text-sm text-gray-500 duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] peer-focus:left-0 peer-focus:text-brand-accent peer-placeholder-shown:scale-100 peer-placeholder-shown:translate-y-0 peer-focus:scale-75 peer-focus:-translate-y-6 font-light">Last Name *</label>
                                            </div>
                                            <div class="relative md:col-span-2">
                                                <input type="email" name="email" required class="input-field peer" placeholder=" ">
                                                <label class="absolute text-sm text-gray-500 duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] peer-focus:left-0 peer-focus:text-brand-accent peer-placeholder-shown:scale-100 peer-placeholder-shown:translate-y-0 peer-focus:scale-75 peer-focus:-translate-y-6 font-light">Email Address *</label>
                                            </div>
                                            <div class="relative">
                                                <input type="tel" name="phone" required pattern="[0-9]{10}" class="input-field peer" placeholder=" ">
                                                <label class="absolute text-sm text-gray-500 duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] peer-focus:left-0 peer-focus:text-brand-accent peer-placeholder-shown:scale-100 peer-placeholder-shown:translate-y-0 peer-focus:scale-75 peer-focus:-translate-y-6 font-light">Phone Number (10 digits) *</label>
                                            </div>
                                            <div class="relative">
                                                <select name="state" required class="input-field peer text-gray-500 focus:text-brand-dark" id="stateSelect">
                                                    <option value="" disabled selected></option>
                                                    <!-- States populated via JS -->
                                                </select>
                                                <label class="absolute text-sm text-brand-accent duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] font-light">State of Residence *</label>
                                            </div>
                                        </div>
                                    </div>

                                    <!-- Section 2: Loan Details -->
                                    <div>
                                        <div class="flex items-center mb-8">
                                            <span class="text-brand-accent font-serif text-2xl mr-4">02.</span>
                                            <h3 class="text-2xl font-serif font-medium text-brand-dark border-b border-gray-200 pb-2 flex-grow">Loan Specifications</h3>
                                        </div>
                                        <div class="grid grid-cols-1 md:grid-cols-2 gap-x-8 gap-y-10">
                                            <div class="relative">
                                                <select name="numLoans" required class="input-field peer text-gray-500 focus:text-brand-dark">
                                                    <option value="" disabled selected></option>
                                                    <option value="1">1</option>
                                                    <option value="2">2</option>
                                                    <option value="3">3</option>
                                                    <option value="4+">4 or more</option>
                                                </select>
                                                <label class="absolute text-sm text-brand-accent duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] font-light">Number of Active Loans *</label>
                                            </div>
                                            <div class="relative">
                                                <select name="totalAmount" required class="input-field peer text-gray-500 focus:text-brand-dark">
                                                    <option value="" disabled selected></option>
                                                    <option value="Under $500">Under $500</option>
                                                    <option value="$500–$1,000">$500 – $1,000</option>
                                                    <option value="$1,000–$2,500">$1,000 – $2,500</option>
                                                    <option value="$2,500–$5,000">$2,500 – $5,000</option>
                                                    <option value="$5,000+">$5,000+</option>
                                                </select>
                                                <label class="absolute text-sm text-brand-accent duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] font-light">Total Combined Balance *</label>
                                            </div>
                                            <div class="relative">
                                                <select name="monthlyPayment" required class="input-field peer text-gray-500 focus:text-brand-dark">
                                                    <option value="" disabled selected></option>
                                                    <option value="Under $100">Under $100</option>
                                                    <option value="$100–$200">$100 – $200</option>
                                                    <option value="$200–$400">$200 – $400</option>
                                                    <option value="$400+">$400+</option>
                                                </select>
                                                <label class="absolute text-sm text-brand-accent duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] font-light">Monthly Payment Amount *</label>
                                            </div>
                                            <div class="relative">
                                                <input type="text" name="lenders" class="input-field peer" placeholder=" ">
                                                <label class="absolute text-sm text-gray-500 duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] peer-focus:left-0 peer-focus:text-brand-accent peer-placeholder-shown:scale-100 peer-placeholder-shown:translate-y-0 peer-focus:scale-75 peer-focus:-translate-y-6 font-light">Lender Name(s) (Optional)</label>
                                            </div>
                                        </div>
                                    </div>

                                    <!-- Section 3: Status -->
                                    <div>
                                        <div class="flex items-center mb-8">
                                            <span class="text-brand-accent font-serif text-2xl mr-4">03.</span>
                                            <h3 class="text-2xl font-serif font-medium text-brand-dark border-b border-gray-200 pb-2 flex-grow">Current Status</h3>
                                        </div>
                                        <div class="grid grid-cols-1 md:grid-cols-2 gap-x-8 gap-y-10">
                                            <div>
                                                <label class="block text-sm font-light text-brand-muted mb-4">Are collectors currently contacting you? *</label>
                                                <div class="flex space-x-8">
                                                    <label class="flex items-center space-x-3 cursor-pointer group">
                                                        <div class="relative flex items-center justify-center">
                                                            <input type="radio" name="collectors" value="Yes" required class="peer appearance-none w-5 h-5 border border-gray-300 rounded-full checked:border-brand-accent focus:outline-none focus:ring-1 focus:ring-brand-accent focus:ring-offset-1 transition-all">
                                                            <div class="absolute w-2.5 h-2.5 bg-brand-accent rounded-full opacity-0 peer-checked:opacity-100 transition-opacity"></div>
                                                        </div>
                                                        <span class="text-brand-dark group-hover:text-brand-accent transition-colors">Yes</span>
                                                    </label>
                                                    <label class="flex items-center space-x-3 cursor-pointer group">
                                                        <div class="relative flex items-center justify-center">
                                                            <input type="radio" name="collectors" value="No" required class="peer appearance-none w-5 h-5 border border-gray-300 rounded-full checked:border-brand-accent focus:outline-none focus:ring-1 focus:ring-brand-accent focus:ring-offset-1 transition-all">
                                                            <div class="absolute w-2.5 h-2.5 bg-brand-accent rounded-full opacity-0 peer-checked:opacity-100 transition-opacity"></div>
                                                        </div>
                                                        <span class="text-brand-dark group-hover:text-brand-accent transition-colors">No</span>
                                                    </label>
                                                </div>
                                            </div>
                                            <div class="relative">
                                                <select name="bestTime" class="input-field peer text-gray-500 focus:text-brand-dark pt-8">
                                                    <option value="" selected>Anytime is fine</option>
                                                    <option value="Morning">Morning</option>
                                                    <option value="Afternoon">Afternoon</option>
                                                    <option value="Evening">Evening</option>
                                                </select>
                                                <label class="absolute text-sm text-brand-accent duration-300 transform -translate-y-6 scale-75 top-4 -z-10 origin-[0] font-light">Preferred Contact Window (Optional)</label>
                                            </div>
                                        </div>
                                    </div>

                                    <!-- Consent (Refined styling with target="_blank" so users don't lose form data) -->
                                    <div class="bg-surface p-6 border border-gray-100 text-xs text-gray-500 font-light leading-relaxed">
                                        <label class="flex items-start cursor-pointer">
                                            <div class="relative flex items-center justify-center mt-1 mr-4 shrink-0">
                                                <input type="checkbox" name="consent" required class="peer appearance-none w-4 h-4 border border-gray-300 rounded-sm checked:bg-brand-accent checked:border-brand-accent focus:outline-none transition-all">
                                                <i class="ph-bold ph-check absolute text-white text-[10px] opacity-0 peer-checked:opacity-100 transition-opacity"></i>
                                            </div>
                                            <span>
                                                By checking this box and clicking "Submit Evaluation Request," I agree to the <a href="#terms" target="_blank" class="text-brand-dark border-b border-gray-300 hover:border-brand-accent hover:text-brand-accent transition-colors">Terms of Service</a> and <a href="#privacy" target="_blank" class="text-brand-dark border-b border-gray-300 hover:border-brand-accent hover:text-brand-accent transition-colors">Privacy Policy</a>, and I authorize Cordoba Legal Group to contact me regarding legal services via telephone, SMS, email, and automated voice messages at the provided contact details, even if registered on a Do Not Call list. Message frequency varies. Msg & data rates apply. Reply STOP to cancel. Consent is not a condition of purchase. Submission does not establish an attorney-client relationship.
                                            </span>
                                        </label>
                                    </div>

                                    <!-- Alert Area -->
                                    <div id="formAlert" class="hidden p-4 text-sm font-medium border-l-2"></div>

                                    <!-- Submit -->
                                    <button type="submit" id="submitBtn" class="btn-primary w-full h-16 text-sm tracking-[0.2em] relative overflow-hidden group">
                                        <span id="btnText" class="relative z-10">Submit Evaluation Request</span>
                                        <i id="btnSpinner" class="ph-light ph-circle-notch animate-spin ml-3 relative z-10 hidden text-xl"></i>
                                        <div class="absolute inset-0 bg-white/20 transform -translate-x-full group-hover:translate-x-0 transition-transform duration-500 ease-in-out"></div>
                                    </button>
                                    
                                </form>
                            </div>
                        </div>
                    </div>
                </div>
            `,
            // ----------------------------------------------------
            // THANK YOU PAGE (Elegant Confirmation)
            // ----------------------------------------------------
            thankYou: `
                <div class="animate-fade-in bg-surface min-h-[80vh] flex items-center justify-center py-20 relative overflow-hidden">
                    <!-- Subtle background logo -->
                    <i class="ph-fill ph-scales absolute -right-20 -top-20 text-[30rem] text-gray-100 opacity-50 z-0 transform rotate-12"></i>
                    
                    <div class="max-w-2xl mx-auto px-4 text-center relative z-10 reveal">
                        <div class="w-20 h-20 bg-brand-dark rounded-full flex items-center justify-center mx-auto mb-10 shadow-xl shadow-brand-dark/10">
                            <i class="ph-light ph-check text-4xl text-brand-accent"></i>
                        </div>
                        <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">Secure Submission Complete</span>
                        <h1 class="text-4xl md:text-5xl font-serif font-medium text-brand-dark mb-6">Evaluation Request Received.</h1>
                        <div class="w-12 h-px bg-brand-accent mx-auto mb-8"></div>
                        
                        <p class="text-lg text-brand-muted font-light mb-12 leading-relaxed">
                            A legal specialist from Cordoba Legal Group will review your details and contact you within <strong>one business day</strong>.
                        </p>
                        
                        <div class="bg-white p-10 border border-gray-100 text-left mb-12 shadow-sm">
                            <h3 class="font-serif text-xl font-medium text-brand-dark mb-6">Next Steps:</h3>
                            <ul class="space-y-6 text-brand-muted font-light">
                                <li class="flex items-start">
                                    <span class="text-brand-accent font-serif mr-4 mt-1">01.</span>
                                    <span>We will reach out via phone or email to verify your details.</span>
                                </li>
                                <li class="flex items-start">
                                    <span class="text-brand-accent font-serif mr-4 mt-1">02.</span>
                                    <span>Our team conducts the preliminary legal evaluation against state statutes.</span>
                                </li>
                                <li class="flex items-start">
                                    <span class="text-brand-accent font-serif mr-4 mt-1">03.</span>
                                    <span>You receive a clear breakdown of your legal standing and options.</span>
                                </li>
                            </ul>
                        </div>
                        
                        <div class="flex flex-col items-center">
                            <p class="text-sm text-gray-500 font-light mb-4">Immediate Assistance Required?</p>
                            <a href="tel:+18889886815" class="text-brand-dark font-medium hover:text-brand-accent transition-colors tracking-widest text-lg mb-8">(888) 988-6815</a>
                            <a href="#home" class="btn-outline text-brand-dark border-gray-300 hover:bg-gray-100 hover:border-transparent">Return to Homepage</a>
                        </div>
                    </div>
                </div>
            `,
            howItWorks: `
                <div class="animate-fade-in bg-surface pb-20">
                    <div class="dark-section-bg pt-32 pb-32 text-center text-white border-b border-white/10">
                        <div class="max-w-4xl mx-auto px-4 reveal">
                            <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">Our Process</span>
                            <h1 class="text-5xl md:text-6xl font-serif font-medium mb-6">How The Review Works</h1>
                            <p class="text-xl text-gray-400 font-light max-w-2xl mx-auto">Free, fast, and transparent. Understand exactly what happens when you engage our firm for a loan evaluation.</p>
                        </div>
                    </div>
                    
                    <div class="max-w-4xl mx-auto px-4 mt-20">
                        <div class="relative pl-0 md:pl-12">
                            <!-- Visual Timeline Line (Hidden on small screens) -->
                            <div class="hidden md:block absolute left-[15px] top-4 bottom-0 w-px bg-gray-200"></div>

                            <!-- Step 1 -->
                            <div class="flex flex-col md:flex-row gap-8 items-start mb-24 reveal relative">
                                <div class="hidden md:flex absolute -left-12 w-8 h-8 rounded-full bg-brand-dark border-2 border-surface items-center justify-center z-10 top-2 text-brand-accent">
                                    <span class="text-xs font-serif">1</span>
                                </div>
                                <div class="md:w-1/3 pt-2">
                                    <span class="text-brand-accent font-serif text-5xl">01.</span>
                                    <h2 class="text-2xl font-serif font-medium text-brand-dark mt-4">Verification</h2>
                                </div>
                                <div class="md:w-2/3 bg-white p-10 border border-gray-100 shadow-sm relative hover:shadow-md transition-shadow">
                                    <div class="absolute left-0 top-0 w-1 h-full bg-gray-200"></div>
                                    <p class="text-brand-muted font-light leading-relaxed mb-6">After you submit your information, a specialist contacts you to gather the details we need: which lender, approximate loan amount, when you took the loan out, and what state you live in.</p>
                                    <h4 class="font-medium text-brand-dark mb-4 text-sm tracking-widest uppercase">Statutory Checks:</h4>
                                    <ul class="space-y-3 font-light text-brand-muted">
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-accent mr-3 mt-1"></i> Lender licensing status in your jurisdiction</li>
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-accent mr-3 mt-1"></i> Validity of state exemptions or tribal sovereignty claims</li>
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-accent mr-3 mt-1"></i> Jurisdiction-specific interest rate caps</li>
                                    </ul>
                                    <div class="mt-8 pt-6 border-t border-gray-100">
                                        <p class="text-xs font-semibold text-brand-dark uppercase tracking-[0.15em]"><span class="text-brand-accent mr-2">Timeline:</span> 10–15 minute initial consultation.</p>
                                    </div>
                                </div>
                            </div>

                            <!-- Step 2 -->
                            <div class="flex flex-col md:flex-row gap-8 items-start mb-24 reveal reveal-delay-1 relative">
                                <div class="hidden md:flex absolute -left-12 w-8 h-8 rounded-full bg-brand-dark border-2 border-surface items-center justify-center z-10 top-2 text-brand-accent">
                                    <span class="text-xs font-serif">2</span>
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                                <div class="md:w-1/3 pt-2">
                                    <span class="text-brand-accent font-serif text-5xl">02.</span>
                                    <h2 class="text-2xl font-serif font-medium text-brand-dark mt-4">Evaluation</h2>
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                                <div class="md:w-2/3 bg-white p-10 border border-gray-100 shadow-sm relative hover:shadow-md transition-shadow">
                                    <div class="absolute left-0 top-0 w-1 h-full bg-brand-dark"></div>
                                    <p class="text-brand-muted font-light leading-relaxed mb-6">Once we've verified the basics, our legal team evaluates your loan documents directly against your state's lending laws and federal consumer protection rules.</p>
                                    <h4 class="font-medium text-brand-dark mb-4 text-sm tracking-widest uppercase">Analysis Parameters:</h4>
                                    <ul class="space-y-3 font-light text-brand-muted">
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-dark mr-3 mt-1"></i> Effective Annual Percentage Rate (APR) calculation</li>
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-dark mr-3 mt-1"></i> Verification of mandatory Truth in Lending Act disclosures</li>
                                        <li class="flex items-start"><i class="ph-light ph-check text-brand-dark mr-3 mt-1"></i> Compliance with Fair Debt Collection Practices Act (FDCPA)</li>
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                                    <div class="mt-8 pt-6 border-t border-gray-100">
                                        <p class="text-xs font-semibold text-brand-dark uppercase tracking-[0.15em]"><span class="text-brand-accent mr-2">Timeline:</span> 2–3 business days.</p>
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                            <!-- Step 3 -->
                            <div class="flex flex-col md:flex-row gap-8 items-start reveal reveal-delay-2 relative">
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                                    <span class="text-xs font-serif font-bold">3</span>
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                                <div class="md:w-1/3 pt-2">
                                    <span class="text-brand-accent font-serif text-5xl">03.</span>
                                    <h2 class="text-2xl font-serif font-medium text-brand-dark mt-4">Resolution</h2>
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                                    <div class="absolute left-0 top-0 w-1 h-full bg-brand-accent"></div>
                                    <p class="text-brand-muted font-light leading-relaxed mb-8">Upon completion, we deliver a plain-English breakdown of your standing. We outline actionable paths forward, putting control back in your hands.</p>
                                    
                                    <div class="space-y-6">
                                        <div class="p-6 bg-surface border border-gray-100">
                                            <h4 class="font-serif text-lg font-medium text-brand-dark mb-2">If the loan is enforceable:</h4>
                                            <p class="text-brand-muted font-light text-sm leading-relaxed">We inform you honestly. We then explore secondary options, such as structured negotiation or consolidation strategies.</p>
                                        </div>
                                        <div class="p-6 bg-brand-dark text-white border border-brand-darker">
                                            <h4 class="font-serif text-lg font-medium mb-2">If the loan is challengeable:</h4>
                                            <p class="text-gray-400 font-light text-sm leading-relaxed">We outline your grounds to dispute the debt, legally halt payments, or pursue recovery of funds already extracted from your accounts.</p>
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                            <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">Knowledge Base</span>
                            <h1 class="text-5xl md:text-6xl font-serif font-medium mb-6">Frequently Asked Questions</h1>
                            <p class="text-xl text-gray-400 font-light max-w-2xl mx-auto">Clarity on our process, costs, and your rights.</p>
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                        <div class="space-y-4 reveal">
                            
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                                    Is the legal review genuinely free?
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                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">Yes. The initial case review requires zero financial commitment. We evaluate your standing and outline your options. You are under no obligation to retain our services following the review.</p>
                                </div>
                            </div>
                            
                            <div class="border-b border-gray-200 py-6 faq-item cursor-pointer group">
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-0 flex justify-between items-center group-hover:text-brand-accent transition-colors">
                                    Will this inquiry impact my credit score?
                                    <i class="ph-light ph-plus text-brand-accent text-xl transform transition-transform duration-300"></i>
                                </h3>
                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">No. Requesting a review has zero impact on your credit. We do not initiate hard or soft inquiries on your credit report to evaluate your loan documents.</p>
                                </div>
                            </div>
                            
                            <div class="border-b border-gray-200 py-6 faq-item cursor-pointer group">
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-0 flex justify-between items-center group-hover:text-brand-accent transition-colors">
                                    What if legal action has already been taken against me?
                                    <i class="ph-light ph-plus text-brand-accent text-xl transform transition-transform duration-300"></i>
                                </h3>
                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">Time is critical. Please contact us immediately. Timing heavily dictates the legal maneuvers available once a lawsuit is filed. The sooner our attorneys can review the filing, the stronger your defensive options may be.</p>
                                </div>
                            </div>
                            
                            <div class="border-b border-gray-200 py-6 faq-item cursor-pointer group">
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-0 flex justify-between items-center group-hover:text-brand-accent transition-colors">
                                    Are tribal loans immune to state laws?
                                    <i class="ph-light ph-plus text-brand-accent text-xl transform transition-transform duration-300"></i>
                                </h3>
                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">Tribal lenders frequently claim "sovereign immunity" to bypass state usury laws. However, courts increasingly rule these claims invalid if the lender is merely renting the tribe's name. Tribal loans are highly challengeable and absolutely warrant legal review.</p>
                                </div>
                            </div>
                            
                            <div class="border-b border-gray-200 py-6 faq-item cursor-pointer group">
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-0 flex justify-between items-center group-hover:text-brand-accent transition-colors">
                                    Do I need my original loan documents to begin?
                                    <i class="ph-light ph-plus text-brand-accent text-xl transform transition-transform duration-300"></i>
                                </h3>
                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">No. The initial intake requires only basic identifiers: lender name, loan size, and your state. If formal documents are required for deeper evaluation later, we will instruct you on how to legally demand them from the lender.</p>
                                </div>
                            </div>
                            
                            <div class="border-b border-gray-200 py-6 faq-item cursor-pointer group">
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-0 flex justify-between items-center group-hover:text-brand-accent transition-colors">
                                    Is Cordoba Legal Group a law firm?
                                    <i class="ph-light ph-plus text-brand-accent text-xl transform transition-transform duration-300"></i>
                                </h3>
                                <div class="faq-answer max-h-0 overflow-hidden opacity-0 mt-0">
                                    <p class="text-brand-muted font-light leading-relaxed pt-4">Yes. We are a licensed law firm headquartered in Boca Raton, Florida. We handle consumer debt and lending cases nationwide, operating in partnership with qualified co-counsel in specific state jurisdictions when required by local law.</p>
                                </div>
                            </div>
                        </div>
                        
                        <div class="mt-16 text-center reveal border border-gray-100 bg-surface p-16 relative overflow-hidden">
                            <div class="absolute -right-10 -bottom-10 opacity-5"><i class="ph-fill ph-question text-[15rem]"></i></div>
                            <h3 class="text-3xl font-serif font-medium text-brand-dark mb-6 relative z-10">Require Specific Answers?</h3>
                            <p class="text-brand-muted font-light mb-8 max-w-lg mx-auto relative z-10">Submit your loan details for a personalized evaluation of your unique circumstances.</p>
                            <a href="#review" class="btn-primary relative z-10">Begin Evaluation</a>
                        </div>
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                        <div class="max-w-4xl mx-auto px-4 relative z-10 reveal">
                            <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">The Firm</span>
                            <h1 class="text-5xl md:text-6xl font-serif font-medium mb-6">Cordoba Legal Group</h1>
                            <p class="text-xl text-gray-400 font-light max-w-2xl mx-auto">Rigorous legal analysis. Unwavering consumer advocacy.</p>
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                        <!-- Premium Split Layout for Origin -->
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                                <h2 class="text-3xl font-serif font-medium text-brand-dark mb-8 flex items-center">
                                    <span class="w-12 h-px bg-brand-accent mr-6"></span> The Firm's Origin
                                </h2>
                                <p class="text-lg text-brand-muted font-light leading-relaxed mb-6">Cordoba Legal Group was established to address a severe imbalance in consumer finance. Predatory lenders, debt buyers, and aggressive collection agencies operate with vast legal resources, counting on the average consumer's unfamiliarity with statutory protections to extract illegal profits.</p>
                                <p class="text-lg text-brand-muted font-light leading-relaxed">We exist to correct that imbalance. We apply rigorous legal scrutiny to consumer debt contracts, translating complex lending statutes into tangible leverage for our clients.</p>
                            </div>
                            <div class="reveal reveal-delay-2 relative">
                                <div class="absolute inset-0 bg-brand-accent/10 translate-x-4 translate-y-4"></div>
                                <img src="https://images.unsplash.com/photo-1497366216548-37526070297c?auto=format&fit=crop&w=1200&q=80" alt="Premium Law Office Interior" class="relative z-10 w-full h-[400px] object-cover grayscale contrast-125 border border-gray-200">
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                        <!-- Core Values Grid -->
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                                <i class="ph-light ph-scales text-4xl text-brand-accent mb-6"></i>
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-4">Our Philosophy</h3>
                                <p class="text-brand-muted font-light leading-relaxed">We operate on absolute transparency. If a case has legal merit, we pursue it with exhaustive precision. If a debt is legally binding, we advise our clients with unfiltered honesty and construct alternative strategies.</p>
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                            <div class="bg-white p-12 border border-gray-100 shadow-sm hover:shadow-md transition-shadow">
                                <i class="ph-light ph-shield text-4xl text-brand-accent mb-6"></i>
                                <h3 class="text-2xl font-serif font-medium text-brand-dark mb-4">Our Commitment</h3>
                                <p class="text-brand-muted font-light leading-relaxed">Consumer debt induces severe psychological stress. We handle every client with dignity, executing our legal duties without judgment, and focusing entirely on securing the optimal statutory outcome.</p>
                            </div>
                        </div>

                        <div class="text-center pt-16 reveal">
                            <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">Take Action</span>
                            <h3 class="text-3xl font-serif font-medium text-brand-dark mb-8">Determine Your Legal Standing</h3>
                            <a href="#review" class="btn-primary">Request Case Evaluation</a>
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                            <span class="text-brand-accent text-xs tracking-[0.3em] uppercase font-bold mb-4 block">Contact</span>
                            <h1 class="text-5xl md:text-6xl font-serif font-medium">Connect With The Firm</h1>
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                            <h3 class="text-3xl font-serif font-medium text-brand-dark mb-12">Direct Channels</h3>
                            
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                                        <i class="ph-light ph-phone text-brand-accent text-xl mr-3"></i> Phone
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                                    <a href="tel:+18889886815" class="text-2xl font-serif text-brand-dark hover:text-brand-accent transition-colors">(888) 988-6815</a>
                                    <p class="text-sm font-light text-brand-muted mt-1">Mon – Fri, 9am – 6pm ET</p>
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                                <div>
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                                        <i class="ph-light ph-envelope-simple text-brand-accent text-xl mr-3"></i> Digital
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                                    <a href="mailto:info@cordobapaydayreview.com" class="text-xl font-serif text-brand-dark hover:text-brand-accent transition-colors break-all">info@cordobapaydayreview.com</a>
                                    <p class="text-sm font-light text-brand-muted mt-1">1 Business Day Response Protocol</p>
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                                    <div class="flex items-center text-brand-muted text-sm font-semibold tracking-widest uppercase mb-2">
                                        <i class="ph-light ph-map-pin text-brand-accent text-xl mr-3"></i> Headquarters
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                                    <p class="text-xl font-serif text-brand-dark leading-relaxed">
                                        102 NE 2nd St, Suite 237<br>Boca Raton, FL 33432
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                            <div class="relative z-10 max-w-md">
                                <i class="ph-light ph-lock-key text-5xl text-brand-accent mb-8"></i>
                                <h3 class="text-3xl font-serif font-medium mb-6">Initiate Your Review Securely</h3>
                                <p class="text-gray-400 font-light mb-10 leading-relaxed">Bypass the phone lines. Submit your case details directly through our encrypted digital intake portal for immediate queueing.</p>
                                <a href="#review" class="btn-primary w-full">Access Secure Intake Portal</a>
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            terms: `<div class="animate-fade-in bg-white py-32"><div class="max-w-3xl mx-auto px-4 prose prose-slate font-light leading-relaxed"><h1 class="font-serif text-4xl font-medium text-brand-dark mb-8">Terms of Service</h1><p class="text-xs tracking-widest uppercase text-brand-muted mb-12 border-b border-gray-100 pb-4">Effective Date: January 1, 2024</p><p>By using this website and our services, you agree to these Terms.</p><h2 class="font-serif text-2xl font-medium text-brand-dark mt-12 mb-4">About Our Services</h2><p>Cordoba Legal Group is a law firm. Submitting a form does not create an attorney-client relationship. An attorney-client relationship is formed only when we agree in writing to represent you.</p><h2 class="font-serif text-2xl font-medium text-brand-dark mt-12 mb-4">No Legal Advice</h2><p>Information on this website is for general informational purposes only and does not constitute legal advice.</p><h2 class="font-serif text-2xl font-medium text-brand-dark mt-12 mb-4">Attorney Advertising</h2><p>This website may be considered attorney advertising under the rules of some states. Past results do not predict future outcomes.</p></div></div>`
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                        return;
                    }

                    let qualificationFlag = "qualified";
                    if (monthlyPayment === 'Under $100' || (monthlyPayment === '$100–$200' && totalAmount === 'Under $500')) {
                        qualificationFlag = "low_priority";
                    }
                    
                    console.log("Lead captured:", { site_id: "cordoba-payday", qualification: qualificationFlag, state: state });
                    navigate('thank-you');
                    
                }, 1500);
            });
        }
    </script>
</body>
</html>