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                        Helping you challenge the legality of payday debt through precise documentation and veteran advocacy. We believe in relief, not judgment.
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                        Second Chance Advocate is a document preparation and loan verification service. We are not a law firm, we are not attorneys, and we do not provide legal advice. Our services involve auditing loan validity and preparing administrative dispute documentation.
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                                    Trapped in <br />
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                                    You're not alone. Most payday loans fail to meet legal requirements. We verify your loans and help you dispute what you don't legally owe.
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                                        <span class="text-2xl font-black text-slate-900">6+</span>
                                        <span class="text-[8px] uppercase font-black text-slate-400 tracking-widest">Years Experience</span>
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                                        <span class="text-2xl font-black text-slate-900">100%</span>
                                        <span class="text-[8px] uppercase font-black text-slate-400 tracking-widest">Judgment Free</span>
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                                            <span class="font-bold text-slate-900 text-sm italic">Legally Audited</span>
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                                        <p class="text-[9px] text-slate-400 leading-relaxed font-bold uppercase tracking-tight">Audit results delivered within 24 business hours.</p>
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                            <p class="text-3xl font-black text-brand-600 mb-1">$2.5M+</p>
                            <p class="text-[10px] uppercase font-bold text-slate-400 tracking-widest">Debt Challenged</p>
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                        <div class="text-center reveal stagger-2">
                            <p class="text-3xl font-black text-brand-600 mb-1">12k+</p>
                            <p class="text-[10px] uppercase font-bold text-slate-400 tracking-widest">Clients Helped</p>
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                        <div class="text-center reveal stagger-3">
                            <p class="text-3xl font-black text-brand-600 mb-1">50</p>
                            <p class="text-[10px] uppercase font-bold text-slate-400 tracking-widest">States Served</p>
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                            <p class="text-3xl font-black text-brand-600 mb-1">24h</p>
                            <p class="text-[10px] uppercase font-bold text-slate-400 tracking-widest">Response Time</p>
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                            <h2 class="text-brand-600 font-black uppercase tracking-[0.3em] text-[10px] mb-4">Qualification Criteria</h2>
                            <h3 class="text-3xl md:text-4xl font-display font-bold text-slate-900 tracking-tight">Do You Qualify for Relief?</h3>
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                                <h4 class="text-xl font-bold text-slate-900 mb-3">Paying $200+/mo</h4>
                                <p class="text-sm text-slate-500 leading-relaxed italic font-medium">If a major chunk of your monthly income goes to high-interest payments, you're exactly who we help.</p>
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                                <h4 class="text-xl font-bold text-slate-900 mb-3">Online Loans</h4>
                                <p class="text-sm text-slate-500 leading-relaxed italic font-medium">Online payday loans under $2,500 are often the most problematic and legally challengeable due to usury laws.</p>
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                                <h4 class="text-xl font-bold text-slate-900 mb-3">Storefront Loans</h4>
                                <p class="text-sm text-slate-500 leading-relaxed italic font-medium">Storefront payday loans under $1,000 frequently violate state-specific rules and consumer protections.</p>
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                            <h3 class="text-3xl font-display font-bold text-slate-900 mb-4">Common Questions</h3>
                            <p class="text-slate-500 font-medium italic">Everything you need to know about starting your relief journey.</p>
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                                    <h4 class="font-bold text-slate-900 pr-8">Is the verification really free?</h4>
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                                <p class="pt-4 text-sm text-slate-600 leading-relaxed">Yes. The initial verification and consultation cost nothing. You don't pay anything unless we move forward together and you agree to terms upfront. No surprises.</p>
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                                    <h4 class="font-bold text-slate-900 pr-8">Will this affect my credit score?</h4>
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                                <p class="pt-4 text-sm text-slate-600 leading-relaxed">No. Our verification process does not involve a credit pull. There is zero credit impact just for asking us to review your loans.</p>
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                                    <h4 class="font-bold text-slate-900 pr-8">Are you a law firm?</h4>
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                                <p class="pt-4 text-sm text-slate-600 leading-relaxed font-medium italic">No. Second Chance Advocate is a document preparation and verification service. Our specialists are not attorneys and do not provide legal advice. If your situation requires a lawyer, we'll tell you honestly.</p>
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                        <h3 class="text-3xl md:text-5xl font-display font-extrabold text-white mb-8 tracking-tight">Ready for a Second Chance?</h3>
                        <p class="text-xl text-brand-100 mb-10 font-light">The verification is free. The relief could start today.</p>
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                <section class="py-20 px-6 mesh-light">
                    <div class="max-w-4xl mx-auto text-center reveal">
                        <h1 class="text-5xl font-display font-extrabold text-slate-900 mb-6 tracking-tight">The 3-Step Protocol.</h1>
                        <p class="text-lg text-slate-500 font-light">Precision document preparation meets relentless consumer advocacy.</p>
                    </div>
                </section>

                <section class="py-24 bg-white relative">
                    <div class="max-w-7xl mx-auto px-6 space-y-40">
                        <!-- Step 1 -->
                        <div class="flex flex-col lg:flex-row gap-16 items-center reveal">
                            <div class="lg:w-1/2">
                                <div class="text-[12rem] font-display font-black text-brand-50 absolute -top-24 -left-10 -z-10 select-none leading-none">01</div>
                                <h2 class="text-4xl font-display font-bold text-slate-900 mb-6">Verification</h2>
                                <p class="text-lg text-slate-500 mb-8 leading-relaxed font-light italic">
                                    Our specialists gathering details on your lenders, amounts, and residency. We audit state licenses and usury cap compliance.
                                </p>
                                <div class="space-y-4">
                                    <div class="flex items-center space-x-3 text-sm font-bold text-slate-700">
                                        <div class="w-8 h-8 rounded-full bg-brand-50 flex items-center justify-center text-brand-600"><i class="ph ph-check"></i></div>
                                        <span>Lender License Audit</span>
                                    </div>
                                    <div class="flex items-center space-x-3 text-sm font-bold text-slate-700">
                                        <div class="w-8 h-8 rounded-full bg-brand-50 flex items-center justify-center text-brand-600"><i class="ph ph-check"></i></div>
                                        <span>State Rate Compliance</span>
                                    </div>
                                </div>
                            </div>
                            <div class="lg:w-1/2 rounded-[3rem] overflow-hidden shadow-2xl reveal stagger-2">
                                <img src="https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&q=80&w=800" class="w-full h-80 object-cover">
                            </div>
                        </div>

                        <!-- Step 2 -->
                        <div class="flex flex-col lg:flex-row-reverse gap-16 items-center reveal">
                            <div class="lg:w-1/2">
                                <div class="text-[12rem] font-display font-black text-indigo-50 absolute -top-24 -right-10 -z-10 select-none leading-none">02</div>
                                <h2 class="text-4xl font-display font-bold text-slate-900 mb-6">Evaluation</h2>
                                <p class="text-lg text-slate-500 mb-8 leading-relaxed font-light italic">
                                    We review every line of your loan contracts against state rules. We find the violations that lenders want you to ignore.
                                </p>
                                <div class="bg-indigo-50 p-6 rounded-2xl border-l-4 border-indigo-500 shadow-sm">
                                    <p class="text-indigo-900 font-bold text-sm italic">"You would be surprised how often basic consumer protection rules are ignored."</p>
                                </div>
                            </div>
                            <div class="lg:w-1/2 rounded-[3rem] overflow-hidden shadow-2xl reveal stagger-2">
                                <img src="https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&q=80&w=800" class="w-full h-80 object-cover">
                            </div>
                        </div>

                        <!-- Step 3 -->
                        <div class="flex flex-col lg:flex-row gap-16 items-center reveal">
                            <div class="lg:w-1/2">
                                <div class="text-[12rem] font-display font-black text-teal-50 absolute -top-24 -left-10 -z-10 select-none leading-none">03</div>
                                <h2 class="text-4xl font-display font-bold text-slate-900 mb-6">Dispute</h2>
                                <p class="text-lg text-slate-500 mb-8 leading-relaxed font-light italic">
                                    Using our findings, we launch a formal response. We dispute unenforceable debt to negotiate more reasonable terms or eliminate balances.
                                </p>
                                <div class="flex flex-col sm:flex-row gap-4">
                                    <button onclick="navigate('contact')" class="bg-brand-600 text-white px-8 py-3 rounded-xl font-black text-[10px] uppercase tracking-widest shadow-lg">Start Audit</button>
                                </div>
                            </div>
                            <div class="lg:w-1/2 rounded-[3rem] overflow-hidden shadow-2xl reveal stagger-2">
                                <img src="https://images.unsplash.com/photo-1556761175-4b46a572b786?auto=format&fit=crop&q=80&w=800" class="w-full h-80 object-cover">
                            </div>
                        </div>
                    </div>
                </section>
            `,

            'about': `
                <section class="py-20 px-6 bg-white relative overflow-hidden">
                    <div class="max-w-7xl mx-auto grid lg:grid-cols-2 gap-20 items-center">
                        <div class="reveal">
                            <div class="inline-flex items-center space-x-2 bg-brand-50 border border-brand-100 rounded-full px-4 py-1.5 mb-6">
                                <span class="text-brand-900 text-[9px] font-black tracking-[0.2em] uppercase">The Advocacy Experts</span>
                            </div>
                            <h1 class="text-5xl font-display font-extrabold text-slate-900 mb-8 tracking-tight">Not Just Relief. <br />A Second Chance.</h1>
                            <p class="text-xl text-slate-500 font-light leading-relaxed mb-8 italic">
                                We built Second Chance Advocate on the belief that everyone deserves protection from predatory lending practices.
                            </p>
                            <div class="space-y-6 text-base text-slate-600 leading-relaxed">
                                <p>Second Chance Advocate has been helping clients with payday loan relief for over six years. We've worked with thousands of people trapped in high-interest cycles.</p>
                                <p>We are a group of specialists who understand payday lending inside and out. We verify loans, prepare documents, and dispute debt honestly—without the high costs of a law firm.</p>
                            </div>
                        </div>
                        <div class="reveal stagger-2 relative">
                            <div class="rounded-[3rem] overflow-hidden shadow-2xl transform rotate-2">
                                <img src="https://images.unsplash.com/photo-1573497019940-1c28c88b4f3e?auto=format&fit=crop&q=80&w=800" alt="Team" class="w-full aspect-square object-cover grayscale brightness-90 hover:grayscale-0 transition-all duration-1000">
                            </div>
                            <div class="absolute -bottom-8 -right-8 glass-card-light p-6 rounded-2xl border border-white shadow-2xl max-w-[220px]">
                                <p class="text-slate-900 font-bold italic mb-2">"People deserve help, not judgment."</p>
                                <p class="text-[9px] uppercase font-black tracking-widest text-slate-400">— Our Core Belief</p>
                            </div>
                        </div>
                    </div>
                </section>

                <section class="py-20 bg-slate-50">
                    <div class="max-w-7xl mx-auto px-6 grid md:grid-cols-3 gap-8">
                        <div class="bg-white p-10 rounded-3xl shadow-sm reveal stagger-1">
                            <i class="ph-duotone ph-heart text-4xl text-brand-600 mb-6"></i>
                            <h4 class="text-lg font-bold text-slate-900 mb-4">Kindness Matters</h4>
                            <p class="text-sm text-slate-500 font-light">Financial distress is hard enough. We treat every client with dignity and empathy.</p>
                        </div>
                        <div class="bg-white p-10 rounded-3xl shadow-sm reveal stagger-2">
                            <i class="ph-duotone ph-eye text-4xl text-indigo-600 mb-6"></i>
                            <h4 class="text-lg font-bold text-slate-900 mb-4">Total Transparency</h4>
                            <p class="text-sm text-slate-500 font-light">We tell you the truth about your situation, including when we can't help.</p>
                        </div>
                        <div class="bg-white p-10 rounded-3xl shadow-sm reveal stagger-3">
                            <i class="ph-duotone ph-target text-4xl text-teal-600 mb-6"></i>
                            <h4 class="text-lg font-bold text-slate-900 mb-4">Proven Results</h4>
                            <p class="text-sm text-slate-500 font-light">Six years of focused experience allows us to navigate complex lending laws efficiently.</p>
                        </div>
                    </div>
                </section>
            `,

            'faq': `
                <section class="py-20 px-6 mesh-light">
                    <div class="max-w-4xl mx-auto text-center reveal">
                        <h1 class="text-5xl font-display font-extrabold text-slate-900 mb-6 tracking-tight">Expert Intelligence.</h1>
                        <p class="text-lg text-slate-500 font-light">Detailed answers to the questions our specialists hear most.</p>
                    </div>
                </section>

                <section class="py-20 bg-white px-6">
                    <div class="max-w-3xl mx-auto space-y-6 reveal">
                        <details class="group bg-slate-50 rounded-2xl border border-slate-200 p-8 overflow-hidden transition-all duration-300">
                            <summary class="flex justify-between items-center cursor-pointer list-none">
                                <h4 class="font-bold text-slate-900 text-lg pr-8">How long does the whole process take?</h4>
                                <i class="ph ph-plus group-open:rotate-45 transition-transform text-brand-600 font-bold"></i>
                            </summary>
                            <p class="pt-6 text-base text-slate-600 leading-relaxed">Verification takes a few days. Evaluation takes 2–5 business days after that. Dispute timelines vary by case—some resolve in weeks, others take longer. We'll give you a realistic timeline once we've reviewed your specific situation.</p>
                        </details>
                        <details class="group bg-slate-50 rounded-2xl border border-slate-200 p-8 overflow-hidden transition-all duration-300">
                            <summary class="flex justify-between items-center cursor-pointer list-none">
                                <h4 class="font-bold text-slate-900 text-lg pr-8">What if I can't find my loan documents?</h4>
                                <i class="ph ph-plus group-open:rotate-45 transition-transform text-brand-600 font-bold"></i>
                            </summary>
                            <p class="pt-6 text-base text-slate-600 leading-relaxed">That's fine—most people can't. We can often obtain the documentation directly from the lender as part of the evaluation step. Missing paperwork does not disqualify you.</p>
                        </details>
                        <details class="group bg-slate-50 rounded-2xl border border-slate-200 p-8 overflow-hidden transition-all duration-300">
                            <summary class="flex justify-between items-center cursor-pointer list-none">
                                <h4 class="font-bold text-slate-900 text-lg pr-8">What if my loan is from a tribal lender?</h4>
                                <i class="ph ph-plus group-open:rotate-45 transition-transform text-brand-600 font-bold"></i>
                            </summary>
                            <p class="pt-6 text-base text-slate-600 leading-relaxed italic font-medium">Tribal loans are a major part of what we see. Tribal lenders often claim they're not subject to state law. Sometimes that claim holds up, but often it doesn't. They are frequently worth challenging based on recent consumer protection rulings.</p>
                        </details>
                        <details class="group bg-slate-50 rounded-2xl border border-slate-200 p-8 overflow-hidden transition-all duration-300">
                            <summary class="flex justify-between items-center cursor-pointer list-none">
                                <h4 class="font-bold text-slate-900 text-lg pr-8">Can you guarantee you'll eliminate my loans?</h4>
                                <i class="ph ph-plus group-open:rotate-45 transition-transform text-brand-600 font-bold"></i>
                            </summary>
                            <p class="pt-6 text-base text-slate-600 leading-relaxed">No—and don't trust anyone who does. Every loan and every state's rules are different. What we can promise is an honest evaluation and our best effort on your behalf to reduce or eliminate the debt.</p>
                        </details>
                    </div>
                </section>
            `,

            'contact': `
                <section class="py-16 px-6 mesh-light">
                    <div class="max-w-7xl mx-auto grid lg:grid-cols-2 gap-16">
                        <div class="reveal">
                            <h1 class="text-5xl font-display font-extrabold text-slate-900 mb-8 tracking-tight leading-tight">Start Your <br />Verification.</h1>
                            <p class="text-lg text-slate-500 mb-10 font-light">Submit your details securely to begin your 24-hour audit protocol.</p>
                            
                            <div class="space-y-6">
                                <div class="flex items-center space-x-5">
                                    <div class="w-12 h-12 bg-white rounded-xl flex items-center justify-center shadow-sm border border-slate-100">
                                        <i class="ph-bold ph-lock-key text-brand-600 text-xl"></i>
                                    </div>
                                    <span class="text-[10px] font-black uppercase tracking-[0.15em] text-slate-400">Encrypted 256-Bit SSL Transfer</span>
                                </div>
                                <div class="flex items-center space-x-5">
                                    <div class="w-12 h-12 bg-white rounded-xl flex items-center justify-center shadow-sm border border-slate-100">
                                        <i class="ph-bold ph-shield-check text-indigo-600 text-xl"></i>
                                    </div>
                                    <span class="text-[10px] font-black uppercase tracking-[0.15em] text-slate-400">Non-Law Firm Disclosure Agreed</span>
                                </div>
                            </div>
                            
                            <div class="mt-16 p-8 bg-white border border-slate-100 rounded-3xl shadow-sm reveal stagger-2">
                                <p class="text-[10px] font-black text-slate-400 uppercase tracking-widest mb-2">Office Headquarters</p>
                                <p class="text-slate-900 font-bold text-sm">Second Chance Advocate</p>
                                <p class="text-slate-500 text-sm">102 NE 2nd Street, Suite 237, <br />Boca Raton, FL 33432</p>
                            </div>
                        </div>

                        <div class="reveal stagger-1">
                            <div class="bg-white rounded-[2rem] p-8 lg:p-12 shadow-2xl border border-slate-100">
                                <form id="payday-lead-form" onsubmit="handleFormSubmit(event)" class="space-y-5">
                                    <div class="grid md:grid-cols-2 gap-4">
                                        <input type="text" id="firstName" placeholder="First Name" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none focus:ring-2 focus:ring-brand-500">
                                        <input type="text" id="lastName" placeholder="Last Name" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none focus:ring-2 focus:ring-brand-500">
                                    </div>
                                    <div class="grid md:grid-cols-2 gap-4">
                                        <input type="email" id="email" placeholder="Email Address" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none focus:ring-2 focus:ring-brand-500">
                                        <input type="tel" id="phone" placeholder="Phone (10 Digits)" required pattern="[0-9]{10}" class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none focus:ring-2 focus:ring-brand-500">
                                    </div>
                                    <div class="grid md:grid-cols-2 gap-4">
                                        <select id="state" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none appearance-none">
                                            <option value="" disabled selected>Select State...</option>
                                            <option value="AL">Alabama</option><option value="AK">Alaska</option><option value="AZ">Arizona</option><option value="AR">Arkansas</option><option value="CA">California</option><option value="CO">Colorado</option><option value="CT">Connecticut</option><option value="DE">Delaware</option><option value="FL">Florida</option><option value="GA">Georgia</option><option value="HI">Hawaii</option><option value="ID">Idaho</option><option value="IL">Illinois</option><option value="IN">Indiana</option><option value="IA">Iowa</option><option value="KS">Kansas</option><option value="KY">Kentucky</option><option value="LA">Louisiana</option><option value="ME">Maine</option><option value="MD">Maryland</option><option value="MA">Massachusetts</option><option value="MI">Michigan</option><option value="MN">Minnesota</option><option value="MS">Mississippi</option><option value="MO">Missouri</option><option value="MT">Montana</option><option value="NE">Nebraska</option><option value="NV">Nevada</option><option value="NH">New Hampshire</option><option value="NJ">New Jersey</option><option value="NM">New Mexico</option><option value="NY">New York</option><option value="NC">North Carolina</option><option value="ND">North Dakota</option><option value="OH">Ohio</option><option value="OK">Oklahoma</option><option value="OR">Oregon</option><option value="PA">Pennsylvania</option><option value="RI">Rhode Island</option><option value="SC">South Carolina</option><option value="SD">South Dakota</option><option value="TN">Tennessee</option><option value="TX">Texas</option><option value="UT">Utah</option><option value="VT">Vermont</option><option value="VA">Virginia</option><option value="WA">Washington</option><option value="WV">West Virginia</option><option value="WI">Wisconsin</option><option value="WY">Wyoming</option>
                                        </select>
                                        <select id="numLoans" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none appearance-none">
                                            <option value="1">1 Active Loan</option>
                                            <option value="2">2 Active Loans</option>
                                            <option value="3">3 Active Loans</option>
                                            <option value="4+">4 or More Loans</option>
                                        </select>
                                    </div>
                                    <div class="grid md:grid-cols-2 gap-4">
                                        <select id="totalAmount" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none appearance-none">
                                            <option value="Under $1,000">Under $1,000 Total</option>
                                            <option value="$1,000–$2,500">$1,000 – $2,500</option>
                                            <option value="$2,500+">$2,500+</option>
                                        </select>
                                        <select id="monthlyPayment" required class="w-full bg-slate-50 border border-slate-100 rounded-xl px-5 py-3 text-sm outline-none appearance-none">
                                            <option value="Under $200">Under $200/mo</option>
                                            <option value="$200+">$200+/mo</option>
                                        </select>
                                    </div>
                                    <div class="bg-slate-50 p-5 rounded-xl border border-slate-100">
                                        <label class="flex items-start space-x-3 cursor-pointer">
                                            <input type="checkbox" required class="mt-1 w-4 h-4 rounded border-slate-300 text-brand-600 focus:ring-brand-500 shrink-0">
                                            <span class="text-[9px] font-bold text-slate-400 uppercase tracking-widest leading-relaxed">
                                                I authorize contact via telephone, SMS, or email. I agree to the <span class="text-brand-600">Terms</span> & <span class="text-brand-600">Privacy</span>. I understand Second Chance Advocate is not a law firm.
                                            </span>
                                        </label>
                                    </div>
                                    <button type="submit" class="w-full bg-brand-600 text-white py-4 rounded-xl font-black text-xs uppercase tracking-[0.2em] hover:bg-brand-700 transition-all shadow-xl shadow-brand-600/10">
                                        Initiate Verification Audit
                                    </button>
                                </form>
                            </div>
                        </div>
                    </div>
                </section>
            `,

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                            <i class="ph-fill ph-check-circle text-5xl text-emerald-500"></i>
                        </div>
                        <h1 class="text-4xl font-display font-bold text-slate-900 mb-6 tracking-tight">Request Received.</h1>
                        <p class="text-lg text-slate-500 mb-10 font-light leading-relaxed">An advocacy specialist will contact you within 24 business hours to review your audit results.</p>
                        
                        <div class="flex flex-col sm:flex-row justify-center gap-6">
                            <a href="tel:+18335157849" class="bg-brand-600 text-white px-8 py-3 rounded-xl font-black text-[10px] uppercase tracking-widest flex items-center justify-center">
                                Urgent? (833) 515-7849 <i class="ph-bold ph-phone-call ml-2"></i>
                            </a>
                            <button onclick="navigate('home')" class="bg-slate-100 text-slate-900 px-8 py-3 rounded-xl font-bold text-[10px] uppercase tracking-widest">Return Home</button>
                        </div>
                    </div>
                </section>
            `,

            'privacy': `<section class="py-20 px-6 bg-white"><div class="max-w-3xl mx-auto reveal"><h1 class="text-3xl font-display font-bold mb-8">Privacy Policy</h1><p class="text-slate-500 text-sm leading-relaxed mb-6">Second Chance Advocate respects your privacy. We collect data for verification purposes and do not sell information to third parties. By submitting, you agree to being contacted for service-related purposes only.</p></div></section>`,
            'terms': `<section class="py-20 px-6 bg-white"><div class="max-w-3xl mx-auto reveal"><h1 class="text-3xl font-display font-bold mb-8">Terms of Service</h1><p class="text-slate-500 text-sm leading-relaxed mb-6">We provide document preparation and verification. We are not a law firm. Outcomes vary by case and state regulations. All services are governed by Florida law.</p></div></section>`
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