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  <title id="doc-title">Easy Button Funding — Get $15,000 to $5,000,000 in Fast Working Capital — Or Cut Your Daily MCA Payments by Up to 60%</title>
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    <h1 class="editorial-h1" id="hero-h1">Get funded in as little as <em>24 hours.</em></h1>
    <div class="hero-sub-lines">
      <span id="hero-sub-1">No hidden broker fees. No impact to your personal credit score.</span>
      <span class="sub-muted" id="hero-sub-2">Unlock $15,000 to $5,000,000 in commercial working capital or cut daily MCA payments by up to 60% in New York, NY.</span>
    </div>

    <div class="hero-pill-bar">
      <div class="hero-select-wrap">
        <select id="hero-amount-Quick" class="hero-amt-select" aria-label="How much money do you need?" onchange="window.syncHeroAmount && window.syncHeroAmount(this.value)">
          <option value="$35,000 - $100,000">How much money do you need?</option>
          <option value="$15,000 - $35,000">$15,000 – $35,000</option>
          <option value="$35,000 - $100,000">$35,000 – $100,000</option>
          <option value="$100,000+">$100,000 – $500,000+</option>
        </select>
        <svg class="hero-select-chevron" width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><polyline points="6 9 12 15 18 9"/></svg>
      </div>
      <a href="#ghl-lead-form" class="btn-hero-dark">
        Check eligibility
      </a>
      <a id="hero-call-btn" href="tel:+18556330073" class="btn-hero-call dni-phone-target">
        <svg width="15" height="15" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><path d="M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z"/></svg>
        <span>Call <span class="dni-phone-display">(855) 633-0073</span></span>
      </a>
    </div>

    <!-- 5-Column Bento Grid Showcase (Matches Lendio.com First Viewport) -->
    <div class="bento-showcase">
      <!-- Column 1: Recommended Loan Offer UI Stack -->
      <div class="bento-col">
        <div class="bento-surface">
          <div style="height:10px; background:rgba(255,255,255,0.65); border-radius:12px 12px 0 0; margin:0 1.2rem;"></div>
          <div class="bento-white-card">
            <div style="text-align:center; margin-bottom:0.75rem;">
              <span class="pill-lime">Recommended</span>
            </div>
            <div style="display:flex; justify-content:space-between; align-items:baseline; margin-bottom:0.85rem; padding-bottom:0.65rem; border-bottom:1px solid #f1efe9;">
              <span style="font-size:0.85rem; font-weight:700; color:var(--ink);">Verified offer</span>
              <span id="bento-offer-amt" style="font-size:1.25rem; font-weight:800; color:var(--ink);">$75,000</span>
            </div>
            <div class="offer-row">
              <span style="color:var(--ink-muted);">Est. Payment</span>
              <span id="bento-offer-pmt" style="font-weight:700;">$822 / wk</span>
            </div>
            <div class="offer-row">
              <span style="color:var(--ink-muted);">Program Term</span>
              <span id="bento-offer-term" style="font-weight:700;">24 Months</span>
            </div>
            <div class="offer-row">
              <span style="color:var(--ink-muted);">Net Impact</span>
              <span id="bento-offer-save" style="font-weight:700; color:#15803d;">+$11,290/mo Freed</span>
            </div>
            <div style="margin-top:0.9rem; text-align:center;">
              <a href="#ghl-lead-form" style="display:inline-block; background:var(--ink); color:#fff; font-size:0.78rem; font-weight:700; padding:0.45rem 1.15rem; border-radius:9999px; text-decoration:none;">Accept offer</a>
            </div>
          </div>
        </div>
      </div>

      <!-- Column 2: Portrait Photography + Verified Customer Profile Card -->
      <div class="bento-col">
        <img id="bento-photo-1" src="https://images.unsplash.com/photo-1556740738-b6a63e27c4df?auto=format&fit=crop&w=700&q=85" alt="Verified Business Owner" class="bento-photo" style="height:210px;" loading="eager">
        <div class="bento-white-card" style="padding:1rem 1.15rem;">
          <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:0.65rem;">
            <svg width="20" height="20" viewBox="0 0 28 28" fill="none"><path d="M6 22L13 6H20L13 22H6Z" fill="#111615"/><circle cx="20.5" cy="19.5" r="3.5" fill="#559e83"/></svg>
            <span id="bento-city-lbl" style="font-size:0.74rem; font-weight:700; color:var(--ink-muted);">New York, NY</span>
          </div>
          <div style="display:flex; align-items:center; gap:0.6rem; margin-bottom:0.65rem;">
            <span style="width:28px; height:28px; border-radius:50%; background:#f4d4c8; color:var(--ink); font-size:0.72rem; font-weight:800; display:inline-flex; align-items:center; justify-content:center;">✓</span>
            <span id="bento-client-name" style="font-size:0.82rem; font-weight:700;">Marcus Rivera • BuildPro Commercial</span>
          </div>
          <div style="display:grid; gap:0.35rem; font-size:0.75rem; color:#15803d; font-weight:600;">
            <div>✓ Soft Credit Pull Verified</div>
            <div>✓ Direct Underwriting Approved</div>
          </div>
        </div>
      </div>

      <!-- Column 3: Multi-Offer Comparison Card + Secondary Photo -->
      <div class="bento-col">
        <div class="bento-white-card" style="flex:1;">
          <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:0.65rem;">
            <span id="bento-all-offers-lbl" style="font-size:0.84rem; font-weight:800;">All Offers (NY)</span>
            <a href="#ghl-lead-form" style="font-size:0.74rem; color:var(--ink-muted); text-decoration:none; font-weight:700;">See all →</a>
          </div>
          <div style="display:flex; justify-content:space-between; font-size:0.7rem; font-weight:700; color:var(--ink-muted); padding-bottom:0.4rem; border-bottom:1px solid #f1efe9;">
            <span>Option / Tier</span>
            <span>Approved Range</span>
          </div>
          <div class="offer-row">
            <span style="font-weight:600;">Option 1</span>
            <span style="font-weight:700;">$25,000–$750,000</span>
          </div>
          <div class="offer-row">
            <span style="font-weight:600;">Option 2</span>
            <span style="font-weight:700;">$15,000–$250,000</span>
          </div>
          <div class="offer-row">
            <span style="font-weight:600;">Option 3</span>
            <span style="font-weight:700;">$75,000–$5,000,000</span>
          </div>
        </div>
        <img id="bento-photo-3" src="https://images.unsplash.com/photo-1581092160607-ee22621dd758?auto=format&fit=crop&w=700&q=85" alt="Client Operations" class="bento-photo" style="height:135px;" loading="lazy">
      </div>

      <!-- Column 4: Tall Portrait Photography Card -->
      <div class="bento-col bento-col-hide-sm">
        <div style="position:relative; height:100%; min-height:345px; border-radius:22px; overflow:hidden;">
          <img id="bento-photo-2" src="https://images.unsplash.com/photo-1507679799987-c73779587ccf?auto=format&fit=crop&w=700&q=85" alt="Verified Client" style="width:100%; height:100%; object-fit:cover; display:block;" loading="eager">
          <div style="position:absolute; bottom:0.85rem; left:0.85rem; right:0.85rem; background:rgba(255,255,255,0.94); backdrop-filter:blur(8px); padding:0.65rem 0.9rem; border-radius:14px; font-size:0.78rem; font-weight:700; color:var(--ink); display:flex; justify-content:space-between; align-items:center;">
            <span id="bento-desk-lbl">✓ New York Desk</span>
            <span style="color:#15803d;">Same-Day Review</span>
          </div>
        </div>
      </div>

      <!-- Column 5: Editorial Offer Summary Card -->
      <div class="bento-col bento-col-hide-md">
        <div class="bento-surface">
          <div style="font-family:'Instrument Serif', Georgia, serif; font-size:1.75rem; line-height:1.15; text-align:center; margin:0.25rem 0 0.85rem; color:var(--ink);">
            We've found<br>you some offers.
          </div>
          <div class="bento-white-card">
            <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:0.35rem;">
              <span style="font-size:0.74rem; color:var(--ink-muted); font-weight:600;">Total approved amount</span>
              <span class="pill-lime">Pre-Qualified</span>
            </div>
            <div id="bento-approved-amt" style="font-size:1.65rem; font-weight:800; color:var(--ink); margin-bottom:0.85rem; letter-spacing:-0.02em;">
              $125,000
            </div>
            <div style="display:grid; grid-template-columns:1fr 1fr; gap:0.5rem; font-size:0.74rem; padding-top:0.65rem; border-top:1px solid #f1efe9;">
              <div>
                <div style="color:var(--ink-muted);">Disbursement</div>
                <div style="font-weight:700; margin-top:2px;">Direct Wire / ACH</div>
              </div>
              <div>
                <div style="color:var(--ink-muted);">Upfront Fee</div>
                <div style="font-weight:700; color:#15803d; margin-top:2px;">$0.00</div>
              </div>
            </div>
          </div>
        </div>
      </div>
    </div>
  </section>

  <!-- Section 2: "Why trust [Brand]?" Architectural Trust Strip -->
  <section class="trust-strip-section">
    <h2 class="editorial-h2" id="trust-strip-h2">Why trust Easy Button Funding?</h2>
    <div class="trust-metrics-row">
      <div class="trust-metric-item">
        <div class="trust-icon-circle">
          <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75"><rect x="3" y="4" width="18" height="18" rx="2" ry="2"/><line x1="16" y1="2" x2="16" y2="6"/><line x1="8" y1="2" x2="8" y2="6"/><line x1="3" y1="10" x2="21" y2="10"/></svg>
        </div>
        <div>
          <div class="trust-metric-lbl" id="trust-top-1">COMMERCIAL FACILITIES</div>
          <div class="trust-metric-val" id="trust-val-1">$15k – $5M</div>
        </div>
      </div>
      <div class="trust-metric-item">
        <div class="trust-icon-circle">
          <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75"><circle cx="12" cy="12" r="10"/><line x1="2" y1="12" x2="22" y2="12"/><path d="M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z"/></svg>
        </div>
        <div>
          <div class="trust-metric-lbl" id="trust-top-2">UNDERWRITING SPEED</div>
          <div class="trust-metric-val" id="trust-val-2">24-Hour Funding</div>
        </div>
      </div>
      <div class="trust-metric-item">
        <div class="trust-icon-circle">
          <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg>
        </div>
        <div>
          <div class="trust-metric-lbl" id="trust-top-3">CASH FLOW RECOVERED</div>
          <div class="trust-metric-val" id="trust-val-3">45% – 60% Saved</div>
        </div>
      </div>
    </div>
  </section>

  <!-- Section 3: Interactive 2-Column GoHighLevel Pre-Qualification Studio & Calculator -->
  <section class="studio-section" id="qualification-studio">
    <div class="studio-grid">
      <!-- Left: Interactive Payment & Savings Calculator -->
      <div class="calc-studio-card" id="calculator">
        <span class="pill-lime" id="calc-pill-lbl" style="margin-bottom:0.85rem;">Real-Time New York, NY Estimator</span>
        <h2 style="font-family:'Instrument Serif', Georgia, serif; font-size:2.4rem; font-weight:400; margin:0 0 0.65rem; line-height:1.12;">
          Compare your monthly savings in <em>real time.</em>
        </h2>
        <p id="calc-desc-p" style="font-size:0.95rem; color:var(--ink-muted); margin:0 0 1.65rem;">
          Drag the slider below to model your current payments against a structured Easy Button Funding option:
        </p>

        <div style="background:#ffffff; border-radius:18px; padding:1.5rem; border:1px solid var(--border); margin-bottom:1.25rem;">
          <div style="display:flex; justify-content:space-between; align-items:baseline; margin-bottom:0.65rem;">
            <span id="calc-label" style="font-size:0.86rem; font-weight:700; color:var(--ink-muted);">Commercial Working Capital / MCA Balance</span>
            <span id="calc-val-display" style="font-size:1.75rem; font-weight:800; color:var(--ink); letter-spacing:-0.02em;">$75,000</span>
          </div>
          <input type="range" id="calc-slider" min="15000" max="500000" step="5000" value="75000" style="width:100%; accent-color:var(--ink); cursor:pointer;" oninput="window.updateEdgeCalc && window.updateEdgeCalc(this.value)">
        </div>

        <div style="display:grid; grid-template-columns:repeat(3, 1fr); gap:0.75rem; margin-bottom:1.5rem;">
          <div style="background:#ffffff; padding:1.1rem; border-radius:14px; border:1px solid var(--border);">
            <div id="calc-b1-lbl" style="font-size:0.72rem; color:var(--ink-muted); font-weight:700; text-transform:uppercase; margin-bottom:0.3rem;">Stacked Daily MCA Drain</div>
            <div id="calc-box-1" style="font-size:1.08rem; font-weight:800; color:#b91c1c;">$707 / day ($14,850/mo)</div>
          </div>
          <div style="background:#ffffff; padding:1.1rem; border-radius:14px; border:1px solid var(--border);">
            <div id="calc-b2-lbl" style="font-size:0.72rem; color:var(--ink-muted); font-weight:700; text-transform:uppercase; margin-bottom:0.3rem;">Restructured 24-Mo Weekly Term</div>
            <div id="calc-box-2" style="font-size:1.08rem; font-weight:800; color:#15803d;">$822 / wk ($3,560/mo)</div>
          </div>
          <div style="background:#ffffff; padding:1.1rem; border-radius:14px; border:1px solid var(--border);">
            <div id="calc-b3-lbl" style="font-size:0.72rem; color:var(--ink-muted); font-weight:700; text-transform:uppercase; margin-bottom:0.3rem;">Monthly Operating Cash Flow Freed</div>
            <div id="calc-box-3" style="font-size:1.08rem; font-weight:800; color:var(--ink);">+$11,290 / mo Freed</div>
          </div>
        </div>

        <div style="background:#ffffff; border-radius:16px; padding:1.25rem 1.4rem; border:1px solid var(--border); display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:1rem;">
          <div>
            <div id="calc-desk-lbl" style="font-size:0.78rem; font-weight:700; color:#15803d;">Live New York, NY Specialist Desk</div>
            <div style="font-size:0.95rem; font-weight:700; color:var(--ink);">Prefer to review your numbers by phone?</div>
          </div>
          <a href="tel:+18556330073" class="btn-hero-dark dni-phone-target" style="padding:0.75rem 1.35rem; font-size:0.9rem;">
            Call <span class="dni-phone-display">(855) 633-0073</span>
          </a>
        </div>
      </div>

      <!-- Right: GoHighLevel Lead Capture & Instant Rate Check Form -->
      <div class="lead-form-card" id="ghl-lead-form">
        <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:0.75rem;">
          <span class="pill-lime">Soft Check • Zero Impact to Credit</span>
          <span id="form-city-lbl" style="font-size:0.76rem; font-weight:700; color:var(--ink-muted);">New York, NY</span>
        </div>
        <h2 id="form-title" style="font-family:'Instrument Serif', Georgia, serif; font-size:2.2rem; font-weight:400; margin:0 0 0.35rem; color:var(--ink);">
          Get Your Free Business Funding &amp; MCA Relief Quote
        </h2>
        <p id="form-sub" style="margin:0 0 1.35rem; font-size:0.9rem; color:var(--ink-muted);">See how much capital you qualify for — or how much you can save on existing MCA payments — in 60 seconds.</p>

        <form id="leadCaptureForm" onsubmit="return window.submitGhlLeadForm(event)">
          <label class="form-label">1. Select Estimated Amount</label>
          <div class="amount-pills">
            <div class="amt-pill" onclick="window.selectAmtPill(this, '$15,000 - $35,000')">$15k – $35k</div>
            <div class="amt-pill active" onclick="window.selectAmtPill(this, '$35,000 - $100,000')">$35k – $100k</div>
            <div class="amt-pill" onclick="window.selectAmtPill(this, '$100,000+')">$100k+</div>
          </div>
          <input type="hidden" id="lead-amount" name="amount" value="$35,000 - $100,000">

          <div class="form-group">
            <label class="form-label" for="lead-goal">2. Primary Goal</label>
            <select id="lead-goal" name="goal" class="form-select" required>
              <option value="Get Fast Working Capital ($25k - $500k+)">Get Fast Working Capital ($25k - $500k+)</option>
              <option value="Cut My Daily/Weekly MCA Payments by 45%-60%">Cut My Daily/Weekly MCA Payments by 45%-60%</option>
              <option value="Open a Revolving Business Line of Credit">Open a Revolving Business Line of Credit</option>
              <option value="Equipment, Inventory, or Expansion Financing">Equipment, Inventory, or Expansion Financing</option>
            </select>
          </div>

          <div style="display:grid; grid-template-columns: 1fr 1fr; gap: 0.75rem;">
            <div class="form-group">
              <label class="form-label" for="lead-fname">First Name *</label>
              <input type="text" id="lead-fname" name="first_name" class="form-input" placeholder="Jane" required autocomplete="given-name">
            </div>
            <div class="form-group">
              <label class="form-label" for="lead-lname">Last Name *</label>
              <input type="text" id="lead-lname" name="last_name" class="form-input" placeholder="Smith" required autocomplete="family-name">
            </div>
          </div>

          <div class="form-group">
            <label class="form-label" for="lead-phone">Best Phone Number *</label>
            <input type="tel" id="lead-phone" name="phone" class="form-input" placeholder="(555) 234-5678" required autocomplete="tel">
          </div>

          <div class="form-group">
            <label class="form-label" for="lead-email">Email Address *</label>
            <input type="email" id="lead-email" name="email" class="form-input" placeholder="jane@company.com" required autocomplete="email">
          </div>

          <button type="submit" id="lead-submit-btn" class="form-submit-btn">
            See My Business Funding Options →
          </button>

          <div id="lead-form-status" style="display:none; margin-top:1rem; padding:1rem; border-radius:12px; background:#ecfdf5; border:1px solid #10b981; color:#065f46; font-weight:700; font-size:0.9rem; text-align:center;"></div>

          <div style="margin-top:0.85rem; font-size:0.74rem; color:var(--ink-muted); line-height:1.45; text-align:center;">
            256-bit bank-level encryption • Soft credit check only — zero impact to your credit score.
          </div>
        </form>

        <div style="margin-top:0.85rem; padding-top:0.85rem; border-top:1px solid var(--border); display:flex; justify-content:space-between; align-items:center; font-size:0.78rem;">
          <button type="button" onclick="window.toggleGhlNativeModal()" style="background:none; border:none; color:var(--ink); font-weight:700; cursor:pointer; text-decoration:underline; padding:0;">
            Schedule Calendar Callback →
          </button>
          <a href="tel:+18556330073" class="dni-phone-target" style="color:var(--ink); font-weight:700; text-decoration:none;">
            Direct Desk: <span class="dni-phone-display">(855) 633-0073</span>
          </a>
        </div>
      </div>
    </div>
  </section>

  <!-- GoHighLevel Official Embedded Form & Calendar Modal -->
  <div id="ghl-widget-modal" style="display:none; position:fixed; inset:0; background:rgba(17,22,21,0.72); z-index:10000; align-items:center; justify-content:center; padding:1rem;">
    <div style="background:#fff; width:100%; max-width:620px; border-radius:20px; overflow:hidden; box-shadow:0 25px 50px rgba(0,0,0,0.3); position:relative;">
      <div style="background:var(--ink); color:#fff; padding:1rem 1.5rem; display:flex; justify-content:space-between; align-items:center;">
        <div style="font-weight:700; font-size:1rem;" id="modal-brand-title">Official GoHighLevel Intake &amp; Callback Scheduler</div>
        <button type="button" onclick="window.toggleGhlNativeModal()" style="background:rgba(255,255,255,0.15); border:none; color:#fff; width:32px; height:32px; border-radius:50%; cursor:pointer; font-weight:700;">✕</button>
      </div>
      <div style="padding:0; height:540px; overflow-y:auto;">
        <iframe id="ghl-native-iframe" data-src="https://api.leadconnectorhq.com/widget/form/0K0LomC1EPuaoHNQhq8K" style="width:100%; height:100%; border:none;" title="GoHighLevel Lead Form"></iframe>
      </div>
    </div>
  </div>

  <!-- Section 4: Deep Forest-Slate Customer Outcomes Section (Matches Lendio Dark Section) -->
  <section class="forest-section">
    <div class="forest-inner">
      <div style="text-align:center; max-width:740px; margin:0 auto 3rem;">
        <span class="pill-lime" id="forest-pill-lbl" style="margin-bottom:0.85rem;">Verified New York, NY Outcomes</span>
        <h2 id="forest-h2" style="font-family:'Instrument Serif', Georgia, serif; font-size:clamp(2.3rem, 4.2vw, 3.5rem); font-weight:400; color:#ffffff; margin:0; line-height:1.1;">
          Real financial momentum for New York clients.
        </h2>
      </div>
      <div class="forest-photos-grid">
        <img id="forest-photo-1" src="https://images.unsplash.com/photo-1542744173-8e7e53415bb0?auto=format&fit=crop&w=700&q=85" alt="Client Outcome 1" style="width:100%; height:250px; object-fit:cover; border-radius:20px;" loading="lazy">
        <img id="forest-photo-2" src="https://images.unsplash.com/photo-1507679799987-c73779587ccf?auto=format&fit=crop&w=700&q=85" alt="Client Outcome 2" style="width:100%; height:340px; object-fit:cover; border-radius:20px;" loading="lazy">
      </div>
      <div class="forest-quotes-row" id="forest-quotes">
        <span>"We hired 4 employees."</span>
        <span>"We got all new equipment."</span>
        <span>"I made payroll stress-free."</span>
        <span>"We cut our daily MCA draws by 58%."</span>
      </div>
    </div>
  </section>

  <!-- Section 5: Core Benefits, Case Study, FAQ & Regulatory Reference -->
  <main class="content-container">
    <section id="benefits">
      <div style="text-align:center; max-width:680px; margin:0 auto 2.25rem;">
        <h2 class="editorial-h2" style="margin-bottom:0.5rem;">Built for speed, clarity, and lower payments.</h2>
        <p id="benefits-sub-p" style="color:var(--ink-muted); margin:0;">Commercial Working Capital &amp; MCA Restructuring in New York, NY</p>
      </div>
      <div class="benefits-grid" id="benefits-grid">
        <div class="benefit-card">
          <div style="width:36px; height:36px; border-radius:50%; background:var(--lime); color:var(--lime-ink); display:flex; align-items:center; justify-content:center; font-weight:800; margin-bottom:1rem;">✓</div>
          <h3 style="margin:0 0 0.5rem; font-size:1.18rem; font-weight:800; color:var(--ink);">Same-Day Approval &amp; 24-Hour Funding</h3>
          <p style="margin:0; color:var(--ink-muted); font-size:0.94rem;">Connect your business checking or share basic revenue numbers for an underwriting decision in hours — not months.</p>
        </div>
        <div class="benefit-card">
          <div style="width:36px; height:36px; border-radius:50%; background:var(--lime); color:var(--lime-ink); display:flex; align-items:center; justify-content:center; font-weight:800; margin-bottom:1rem;">✓</div>
          <h3 style="margin:0 0 0.5rem; font-size:1.18rem; font-weight:800; color:var(--ink);">Replace Daily MCA Draws With Weekly/Monthly Terms</h3>
          <p style="margin:0; color:var(--ink-muted); font-size:0.94rem;">Stop daily cash-flow bleed. Consolidate high-cost daily cash advances into a single, predictable weekly or monthly term facility.</p>
        </div>
        <div class="benefit-card">
          <div style="width:36px; height:36px; border-radius:50%; background:var(--lime); color:var(--lime-ink); display:flex; align-items:center; justify-content:center; font-weight:800; margin-bottom:1rem;">✓</div>
          <h3 style="margin:0 0 0.5rem; font-size:1.18rem; font-weight:800; color:var(--ink);">Early Payoff Discounts &amp; Transparent Pricing</h3>
          <p style="margin:0; color:var(--ink-muted); font-size:0.94rem;">Every offer includes plain-English cost disclosures, clear APR equivalents, and early-payoff savings with zero hidden broker fees.</p>
        </div>
      </div>
    </section>

    <section id="worked-case-sec" style="margin: 3.5rem 0; background: #ffffff; border: 1px solid var(--border); border-radius: 22px; padding: 2rem;">
      <h2 id="wc-title" style="font-family:'Instrument Serif', Georgia, serif; font-size: 2rem; font-weight:400; color: var(--ink); margin-top: 0; margin-bottom: 0.5rem;">Real-World Example: Stacked Daily MCA vs. 24-Month Term ($75,000 Facility)</h2>
      <p id="wc-summary" style="font-size: 0.94rem; color: var(--ink-muted); margin-bottom: 1.25rem;">See how replacing high-cost daily withdrawals with a structured weekly or monthly term restores operating cash flow immediately:</p>
      <div style="overflow-x: auto;">
        <table style="width: 100%; border-collapse: collapse; font-size: 0.92rem;">
          <thead>
            <tr style="background: var(--bg-stone); color: var(--ink); text-align: left; border-bottom: 1px solid var(--border);">
              <th style="padding: 0.85rem 1rem;">Financial Metric</th>
              <th style="padding: 0.85rem 1rem; color: #b91c1c;">Status Quo</th>
              <th style="padding: 0.85rem 1rem; color: #15803d;" id="wc-col-brand">With Easy Button Funding</th>
            </tr>
          </thead>
          <tbody id="wc-tbody">
            <tr style="border-bottom: 1px solid var(--border); background: #ffffff;"><td style="padding: 0.8rem 1rem; font-weight: 700;">Total Payback Factor / Cost</td><td style="padding: 0.8rem 1rem; color: var(--ink-muted);">1.32 Factor ($99,000 Payback / ~78% APR)</td><td style="padding: 0.8rem 1rem; color: #15803d; font-weight: 800;">✓ 1.14 Total Cost Factor ($85,500 over 24 Mos)</td></tr>
            <tr style="border-bottom: 1px solid var(--border); background: var(--bg-ivory);"><td style="padding: 0.8rem 1rem; font-weight: 700;">ACH Debit Frequency &amp; Amount</td><td style="padding: 0.8rem 1rem; color: var(--ink-muted);">$707.14 / Business Day (21x/mo)</td><td style="padding: 0.8rem 1rem; color: #15803d; font-weight: 800;">✓ $822.12 / Week (4.33x/mo)</td></tr>
            <tr style="border-bottom: 1px solid var(--border); background: #ffffff;"><td style="padding: 0.8rem 1rem; font-weight: 700;">Monthly Cash Outflow</td><td style="padding: 0.8rem 1rem; color: var(--ink-muted);">$14,850 / Month</td><td style="padding: 0.8rem 1rem; color: #15803d; font-weight: 800;">✓ $3,560 / Month</td></tr>
            <tr style="border-bottom: 1px solid var(--border); background: var(--bg-ivory);"><td style="padding: 0.8rem 1rem; font-weight: 700;">Net Monthly Working Capital Retained</td><td style="padding: 0.8rem 1rem; color: var(--ink-muted);">Baseline (Severe Liquidity Drain)</td><td style="padding: 0.8rem 1rem; color: #15803d; font-weight: 800;">✓ +$11,290 / Month Freed (+76% Cash Flow)</td></tr>
          </tbody>
        </table>
      </div>
    </section>

    <div id="faq" style="margin: 3.5rem 0;">
      <h2 class="editorial-h2" id="faq-title" style="text-align:center; margin-bottom:1.75rem;">Frequently asked questions</h2>
      <div id="faq-list">
        <div class="faq-item">
          <div class="faq-q">How fast can I get approved and funded?</div>
          <div style="color:var(--ink-muted); font-size:0.95rem;">Most clients receive a clear pre-qualification decision within a few hours of submitting their 60-second online request or calling our specialist desk, with funds wired as fast as 24 hours.</div>
        </div>
      </div>
    </div>

    <div id="state-law" style="margin: 3rem 0; background: var(--bg-stone); border: 1px solid var(--border); border-radius: 18px; padding: 1.5rem 1.75rem;">
      <h3 id="state-card-title" style="font-size: 1.05rem; color: var(--ink); margin-top: 0; margin-bottom: 0.4rem;">
        New York (NY) Consumer &amp; Commercial Regulatory Protections
      </h3>
      <p id="geo-box-body" style="font-size: 0.86rem; color: var(--ink-muted); margin: 0;">
        All programs operate in full alignment with federal consumer guidelines and state regulatory protections.
      </p>
    </div>

    <div style="margin: 3rem 0; padding-top: 2rem; border-top: 1px solid var(--border);">
      <h3 id="pillars-heading" style="font-size: 1.05rem; color: var(--ink); margin-bottom: 0.85rem;">
        Helpful Guides &amp; Resources
      </h3>
      <div id="pillar-links" style="margin-bottom: 1.75rem;"></div>

      <h3 style="font-size: 0.95rem; color: var(--ink-muted); margin-bottom: 0.65rem;">
        Serving Major US Markets
      </h3>
      <div id="regional-links" style="display: flex; flex-wrap: wrap; gap: 0.5rem;"></div>
    </div>
  </main>

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      Call <span class="dni-phone-display">(855) 633-0073</span>
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    <a href="#ghl-lead-form" class="btn-hero-call" style="padding:0.8rem 1.15rem;">
      Apply Online
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    const BRAND_VERIFIED_PHONES = {
  // Debt Relief Brands (Verified GHL & Ringba Live Forwarding Numbers)
  "cleardebtexperts": "+18337320976",
  "debtsettlenow": "+18447342640",
  "cleardebtconnect": "+18337704269",
  "cleardebtgenius": "+18336153611",
  "cleardebthub": "+18449420076",
  "cleardebtnetwork": "+18665690605",
  "cleardebtquick": "+18556052529",
  "cleardebtservice": "+18449061476",
  "cleardebtservices": "+18449061476",
  "cleardebtstrategy": "+18447621032",
  "clearmydebtpro": "+18449390813",
  "debtassistcenter": "+18449061457",
  "debtassisthub": "+18334230462",
  "debtassistpros": "+18449061457",
  "debtclearhub": "+18337282468",
  "debtclearinghub": "+18554108299",
  "debtclearingsolutions": "+18772610017",
  "debtclearpro": "+18445501428",
  "debteliminationhub": "+18334651149",
  "debterasepro": "+18339700298",
  "debtfreedomcenter": "+18556721002",
  "debtfreedomway": "+18552591980",
  "debtfreedomservice": "+18667793698",
  "debtfreedomsolutions": "+18667793698",
  "debtfreefirm": "+18445802309",
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  "debtrescuelab": "+18334920109",
  "debtrescuenetwork": "+18665140426",
  "debtrescueteam": "+18447571053",
  "debtresolutionhub": "+18336630188",
  "debtresolutionlab": "+18337594282",
  "debtresolutionsolutions": "+18665710734",
  "debtresolvepro": "+18445331428",
  "debtsettleco": "+18669020436",
  "debtterminate": "+18338091148",
  "financialreliefnow": "+18665821704",
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  "settledebthub": "+18554810668",
  "settledebtswift": "+18556121398",
  "solvedebtnow": "+18667655823",
  "solvedebttoday": "+18889941208",
  "settledebttoday": "+18889941208",

  // Business Financing, Working Capital & Personal Lending (Verified Live Ringba & GHL Numbers)
  "easybuttonfunding": "+18556330073",
  "brightpointfunding": "+18668464706",
  "momentumfunders": "+18557100529",
  "5stepbusinessloans": "+18666100495",
  "conceptonecapital": "+18887270863",
  "fullthrottlefunding": "+18777028219",
  "clovercapitalfunding": "+18883491126",
  "seacoastlending": "+18669934064",
  "swiftcapitalpro": "+18555160449",
  "rapidcapgroup": "+18885540264",
  "silverlinefunds": "+18445141874",
  "ascendcapitalhub": "+18445951887",
  "bankratelending": "+18448998514",
  "cloudonecapital": "+18339013819",
  "fastfundingfinancial": "+18333181089",
  "fastflowfunding": "+18668137492",
  "excelcapitalpartners": "+18336992175",
  "electricfunding": "+18339049559",
  "instantcapitaladvance": "+18667297488",
  "kingscrosscapital": "+18338070771",
  "quickfundsdirect": "+18449523408",
  "rapidmerchantfunding": "+18773631449",
  "rapidmerchantfunds": "+18773631449",
  "slipstreamfunding": "+18885500028",
  "revfunding": "+18887251289",
  "1stinvestorfunding": "+18447990915",
  "tricountycap": "+18449523406",
  "loansensehub": "+18449523406",
  "businesscashaccess": "+15623594521",
  "businesscashdirect": "+15622611451",
  "capitalco": "+15623832833",
  "capitalcousa": "+15623832833",
  "usacapitalcompany": "+15623832833",

  // Tax Resolution Brands (Verified GHL Native Toll-Free & Carrier Routes)
  "taxdebtassist": "+18337567677",
  "taxdebtresolve": "+18444102989",
  "taxdefensenow": "+18559400392",
  "nobacktax": "+18775771187",
  "nobacktaxes": "+18775771201",
  "notaxowed": "+18775771202",
  "notaxpay": "+18775771203",
  "taxdebtdeal": "+18775771205",
  "yourtaxbuddy": "+18775771207",
  "zerotaxowed": "+18775771216",
  "zerotaxprogram": "+18775771217",
  "needtaxsettlement": "+18449882279",
  "settlemytax": "+18337567677",
  "taxcpa911": "+18337567677",
  "sodaktax": "+18337567677",
  "taxalleviate": "+18337567677",
  "zerobacktax": "+18775771216",
  "zerobacktaxes": "+18775771217"
};
    const VERTICAL_FALLBACK_PHONES = {
  "debt-relief": "+18772610017",     // Live Ringba / GHL Debt Relief Queue
  "personal-loans": "+18887270863",  // Live Ringba / GHL Personal Loan Queue
  "business-loans": "+18556330073",  // Live Ringba / GHL Business Loan Queue
  "tax-relief": "+18337567677",      // Live GHL Tax Resolution Queue
  "mortgage": "+18887270863",        // Live GHL Lending Queue
  "home-services": "+18556330073"    // Live GHL Commercial Queue
};
    const GHL_FORM_IDS = {
  "business-loans": "nzeFoQFcKXb0NjDx1V3a",
  "tax-relief": "0K0LomC1EPuaoHNQhq8K",
  "personal-loans": "r4AojSBlS7gDB2Rc9dG1",
  "debt-relief": "r4AojSBlS7gDB2Rc9dG1"
};
    const BRAND_DIRECTORY = {
  "1stinvestorfunding": ["1st Investor Funding", "business-loans"],
  "5stepbusinessloans": ["5 Step Business Loans", "business-loans"],
  "ascendcapitalhub": ["Ascend Capital Hub", "business-loans"],
  "bankratelending": ["Bankrate Lending", "personal-loans"],
  "brightpointfunding": ["Bright Point Funding", "business-loans"],
  "capitalreadyteam": ["Capital Ready Team", "business-loans"],
  "capnado": ["Capnado", "business-loans"],
  "cleardebtconnect": ["Clear Debt Connect", "debt-relief"],
  "cleardebtexperts": ["Clear Debt Experts", "debt-relief"],
  "cleardebtgenius": ["Clear Debt Genius", "debt-relief"],
  "cleardebthub": ["Clear Debt Hub", "debt-relief"],
  "cleardebtnetwork": ["Clear Debt Network", "debt-relief"],
  "cleardebtquick": ["Clear Debt Quick", "debt-relief"],
  "cleardebtservice": ["Clear Debt Service", "debt-relief"],
  "cleardebtservices": ["Clear Debt Services", "debt-relief"],
  "cleardebtstrategy": ["Clear Debt Strategy", "debt-relief"],
  "clearmydebtpro": ["Clear My Debt Pro", "debt-relief"],
  "cloudonecapital": ["Cloud One Capital", "business-loans"],
  "clovercapitalfunding": ["Clover Capital Funding", "business-loans"],
  "conceptonecapital": ["Concept One Capital", "business-loans"],
  "corpinvestgroup": ["Corp Invest Group", "business-loans"],
  "debtassistcenter": ["Debt Assist Center", "debt-relief"],
  "debtassisthub": ["Debt Assist Hub", "debt-relief"],
  "debtassistpros": ["Debt Assist Pros", "debt-relief"],
  "debtclearhub": ["Debt Clear Hub", "debt-relief"],
  "debtclearinghub": ["Debt Clearing Hub", "debt-relief"],
  "debtclearingsolutions": ["Debt Clearing Solutions", "debt-relief"],
  "debtclearpro": ["Debt Clear Pro", "debt-relief"],
  "debteliminationhub": ["Debt Elimination Hub", "debt-relief"],
  "debterasepro": ["Debt Erase Pro", "debt-relief"],
  "debtfreedomcenter": ["Debt Freedom Center", "debt-relief"],
  "debtfreedomservice": ["Debt Freedom Service", "debt-relief"],
  "debtfreedomsolutions": ["Debt Freedom Solutions", "debt-relief"],
  "debtfreedomway": ["Debt Freedom Way", "debt-relief"],
  "debtfreefirm": ["Debt Free Firm", "debt-relief"],
  "debtreliefpath": ["Debt Relief Path", "debt-relief"],
  "debtrescuelab": ["Debt Rescue Lab", "debt-relief"],
  "debtrescuenetwork": ["Debt Rescue Network", "debt-relief"],
  "debtrescueteam": ["Debt Rescue Team", "debt-relief"],
  "debtresolutionhub": ["Debt Resolution Hub", "debt-relief"],
  "debtresolutionlab": ["Debt Resolution Lab", "debt-relief"],
  "debtresolutionsolutions": ["Debt Resolution Solutions", "debt-relief"],
  "debtresolvepro": ["Debt Resolve Pro", "debt-relief"],
  "debtsettleco": ["Debt Settle Co.", "debt-relief"],
  "debtsettlenow": ["Debt Settle Now", "debt-relief"],
  "debtterminate": ["Debt Terminate", "debt-relief"],
  "easybuttonfunding": ["Easy Button Funding", "business-loans"],
  "electricfunding": ["Electric Funding", "business-loans"],
  "excelcapitalpartners": ["Excel Capital Partners", "business-loans"],
  "exefunding": ["EXE Funding", "business-loans"],
  "fastadvanceloans": ["Fast Advance Loans", "personal-loans"],
  "fastflowfunding": ["Fast Flow Funding", "business-loans"],
  "fastfundexperts": ["Fast Fund Experts", "business-loans"],
  "fastfundingfinancial": ["Fast Funding Financial", "business-loans"],
  "financialreliefnow": ["Financial Relief Now", "debt-relief"],
  "fullthrottlefunding": ["Full Throttle Funding", "business-loans"],
  "fundingmx": ["Funding MX", "business-loans"],
  "fundinvestgrow": ["Fund Invest Grow", "business-loans"],
  "howtolowerdebt": ["How To Lower Debt", "debt-relief"],
  "instantcapitaladvance": ["Instant Capital Advance", "business-loans"],
  "kingscrosscapital": ["Kings Cross Capital", "business-loans"],
  "lendmoda": ["LendModa", "personal-loans"],
  "liftlending": ["Lift Lending", "personal-loans"],
  "liquidgrowthpartners": ["Liquid Growth Partners", "business-loans"],
  "loansensehub": ["Loan Sense Hub", "personal-loans"],
  "merchantfundhub": ["Merchant Fund Hub", "business-loans"],
  "merchantgrowthfunds": ["Merchant Growth Funds", "business-loans"],
  "momentumfunders": ["Momentum Funders", "business-loans"],
  "myloanharbor": ["My Loan Harbor", "personal-loans"],
  "myloanlane": ["My Loan Lane", "personal-loans"],
  "needtaxsettlement": ["Need Tax Settlement", "tax-relief"],
  "nichecapitalfunding": ["Niche Capital Funding", "business-loans"],
  "nobacktax": ["No Back Tax", "tax-relief"],
  "nobacktaxes": ["No Back Taxes", "tax-relief"],
  "notaxowed": ["No Tax Owed", "tax-relief"],
  "notaxpay": ["No Tax Pay", "tax-relief"],
  "payrollfunds": ["Payroll Funds", "business-loans"],
  "personalfundwise": ["Personal Fund Wise", "personal-loans"],
  "personalloanoutlook": ["Personal Loan Outlook", "personal-loans"],
  "privatelendinggroup": ["Private Lending Group", "personal-loans"],
  "proloaner": ["ProLoaner", "personal-loans"],
  "quickcapitalflow": ["Quick Capital Flow", "business-loans"],
  "quickfundsdirect": ["Quick Funds Direct", "business-loans"],
  "ramcapitalfunding": ["RAM Capital Funding", "business-loans"],
  "rapidcapgroup": ["Rapid Cap Group", "business-loans"],
  "rapidmerchantfunding": ["Rapid Merchant Funding", "business-loans"],
  "rapidmerchantfunds": ["Rapid Merchant Funds", "business-loans"],
  "revfunding": ["Rev Funding", "business-loans"],
  "riseandfund": ["Rise and Fund", "business-loans"],
  "seacoastlending": ["Seacoast Lending", "business-loans"],
  "settledebthub": ["Settle Debt Hub", "debt-relief"],
  "settledebtpro": ["Settle Debt Pro", "debt-relief"],
  "settledebtswift": ["Settle Debt Swift", "debt-relief"],
  "settledebttoday": ["Settle Debt Today", "debt-relief"],
  "settlemytax": ["Settle My Tax", "tax-relief"],
  "silverlinefunds": ["Silverline Funds", "business-loans"],
  "slipstreamfunding": ["Slipstream Funding", "business-loans"],
  "sodaktax": ["SoDak Tax", "tax-relief"],
  "solvedebtnow": ["Solve Debt Now", "debt-relief"],
  "solvedebttoday": ["Solve Debt Today", "debt-relief"],
  "swiftcapitalpro": ["Swift Capital Pro", "business-loans"],
  "taxalleviate": ["Tax Alleviate", "tax-relief"],
  "taxcpa911": ["Tax CPA 911", "tax-relief"],
  "taxdebtdeal": ["Tax Debt Deal", "tax-relief"],
  "tdecapitalresources": ["TDE Capital Resources", "business-loans"],
  "tricountycap": ["Tri County Capital", "business-loans"],
  "yourtaxbuddy": ["Your Tax Buddy", "tax-relief"],
  "zerobacktax": ["Zero Back Tax", "tax-relief"],
  "zerobacktaxes": ["Zero Back Taxes", "tax-relief"],
  "zerotaxowed": ["Zero Tax Owed", "tax-relief"],
  "zerotaxprogram": ["Zero Tax Program", "tax-relief"]
};
    const STATE_REGULATORY_MATRIX = {
  "AL": { stat: 3, reg: "Alabama State Banking Department", act: "Alabama Consumer Credit Act (Mini-Code, Ala. Code § 5-19-1)", garn: "75% of disposable earnings exempt (15 U.S.C. § 1673 baseline)" },
  "AK": { stat: 3, reg: "Alaska Division of Banking and Securities", act: "Alaska Unfair Trade Practices and Consumer Protection Act (AS 45.50.471)", garn: "Weekly exemption $602.50 or 75% of disposable net earnings" },
  "AZ": { stat: 6, reg: "Arizona Dept. of Insurance and Financial Institutions (DIFI)", act: "Arizona Consumer Fraud Act & A.R.S. § 12-548 (6-Year Written Contract Limitation)", garn: "85% to 90% of disposable earnings protected under A.R.S. § 12-1598.10" },
  "AR": { stat: 5, reg: "Arkansas State Bank Department", act: "Arkansas Fair Debt Collection Practices Act (Ark. Code § 17-24-501)", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "CA": { stat: 4, reg: "California Dept. of Financial Protection and Innovation (DFPI)", act: "Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code § 1788) & SB 1235 Commercial Disclosure", garn: "80% of disposable earnings exempt up to 40x California/local minimum wage (CCP § 706.050)" },
  "CO": { stat: 6, reg: "Colorado Attorney General / Administrator of the UCCC", act: "Colorado Fair Debt Collection Practices Act (C.R.S. § 5-16-101) & Colorado UCCC", garn: "80% of disposable earnings or 40x state/local minimum wage exempt" },
  "CT": { stat: 6, reg: "Connecticut Department of Banking", act: "Connecticut Creditors' Collection Practices Act (Conn. Gen. Stat. § 36a-645)", garn: "Greater of 75% of disposable earnings or 40x Connecticut minimum fair wage exempt" },
  "DE": { stat: 3, reg: "Delaware Office of the State Bank Commissioner", act: "Delaware Consumer Fraud Act & 10 Del. C. § 8106 (3-Year Contract Limitation)", garn: "85% of disposable wages exempt from creditor attachment (10 Del. C. § 4913)" },
  "FL": { stat: 5, reg: "Florida Office of Financial Regulation (OFR)", act: "Florida Consumer Collection Practices Act (FCCPA, Fla. Stat. § 559.55) & § 95.11(2)(b)", garn: "100% head-of-family wage garnishment exemption up to $750/wk unless waived in writing (Fla. Stat. § 222.11)" },
  "GA": { stat: 6, reg: "Georgia Department of Banking and Finance", act: "Georgia Fair Business Practices Act (O.C.G.A. § 10-1-390) & O.C.G.A. § 9-3-24", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "HI": { stat: 6, reg: "Hawaii Division of Financial Institutions (DCCA)", act: "Hawaii Collection Agencies Act (HRS Chapter 443B) & HRS § 657-1", garn: "Tiered exemption protecting 95% of first $100/mo, 90% of next $100/mo, and 80% of excess net wages" },
  "ID": { stat: 5, reg: "Idaho Department of Finance", act: "Idaho Credit Code & Idaho Collection Agency Act (Idaho Code § 26-2221)", garn: "75% of disposable weekly earnings or 30x federal minimum wage exempt" },
  "IL": { stat: 5, reg: "Illinois Dept. of Financial and Professional Regulation (IDFPR)", act: "Illinois Collection Agency Act (225 ILCS 425/) & 735 ILCS 5/13-205", garn: "85% of gross earnings or 45x Illinois state minimum wage exempt from wage deduction" },
  "IN": { stat: 6, reg: "Indiana Department of Financial Institutions (DFI)", act: "Indiana Uniform Consumer Credit Code (IC 24-4.5) & IC 34-11-2-9", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "IA": { stat: 5, reg: "Iowa Division of Banking", act: "Iowa Debt Collection Practices Act (Iowa Code § 537.7101)", garn: "Statutory annual maximum garnishment caps based on expected annual earnings (Iowa Code § 642.21)" },
  "KS": { stat: 3, reg: "Kansas Office of the State Bank Commissioner (OSBC)", act: "Kansas Consumer Protection Act (K.S.A. 50-623) & Kansas UCCC", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "KY": { stat: 5, reg: "Kentucky Department of Financial Institutions (DFI)", act: "Kentucky Consumer Protection Act (KRS 367.170) & KRS 413.120", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "LA": { stat: 3, reg: "Louisiana Office of Financial Institutions (OFI)", act: "Louisiana Consumer Credit Law (La. R.S. 9:3510) & La. Civ. Code art. 3494", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "ME": { stat: 6, reg: "Maine Bureau of Consumer Credit Protection", act: "Maine Fair Debt Collection Practices Act (32 M.R.S. § 11001) & Maine Consumer Credit Code", garn: "75% of disposable earnings or 40x Maine state minimum wage exempt" },
  "MD": { stat: 3, reg: "Maryland Office of Financial Regulation (OFR)", act: "Maryland Consumer Debt Collection Act (Md. Code, Com. Law § 14-201)", garn: "75% of disposable wages or 30x State minimum hourly wage exempt" },
  "MA": { stat: 6, reg: "Massachusetts Division of Banks", act: "Massachusetts Consumer Protection Act (M.G.L. c. 93A) & 940 CMR 7.00 Debt Collection Rules", garn: "Greater of 85% of gross wages or 50x Massachusetts/federal minimum wage exempt" },
  "MI": { stat: 6, reg: "Michigan Dept. of Insurance and Financial Services (DIFS)", act: "Michigan Regulation of Collection Practices Act (MCL 445.251) & MCL 600.5807", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "MN": { stat: 6, reg: "Minnesota Department of Commerce", act: "Minnesota Collection Agencies Act (Minn. Stat. Chapter 332) & Minn. Stat. § 541.05", garn: "75% of disposable earnings or 40x Minnesota state minimum wage exempt" },
  "MS": { stat: 3, reg: "Mississippi Department of Banking and Consumer Finance", act: "Mississippi Consumer Protection Act & Miss. Code Ann. § 15-1-29 (3-Year Open Account Rule)", garn: "First 30 days after service 100% exempt; thereafter 75% of disposable earnings exempt" },
  "MO": { stat: 5, reg: "Missouri Division of Finance", act: "Missouri Merchandising Practices Act (RSMo § 407.020) & RSMo § 516.120", garn: "90% of disposable earnings exempt for heads of family; 75% for single filers (RSMo § 525.030)" },
  "MT": { stat: 5, reg: "Montana Division of Banking and Financial Institutions", act: "Montana Consumer Protection Act (MCA § 30-14-101) & MCA § 27-2-202", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "NE": { stat: 5, reg: "Nebraska Department of Banking and Finance", act: "Nebraska Consumer Protection Act & Neb. Rev. Stat. § 25-205", garn: "85% of disposable earnings exempt for heads of family; 75% for non-heads of family" },
  "NV": { stat: 6, reg: "Nevada Financial Institutions Division (FID)", act: "Nevada Collection Agency Act (NRS Chapter 649) & NRS 11.190", garn: "82% of disposable earnings exempt if gross weekly pay <= $770; 75% otherwise (NRS 31.295)" },
  "NH": { stat: 3, reg: "New Hampshire Banking Department", act: "New Hampshire Unfair, Deceptive or Unreasonable Collection Practices Act (RSA 358-C)", garn: "50x federal minimum wage exempt per week; non-periodic trustee process required" },
  "NJ": { stat: 6, reg: "New Jersey Dept. of Banking and Insurance (DOBI)", act: "New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1) & N.J.S.A. 2A:14-1", garn: "90% of gross income exempt if income is under 250% of federal poverty level (N.J.S.A. 2A:17-56)" },
  "NM": { stat: 4, reg: "New Mexico Financial Institutions Division", act: "New Mexico Collection Agency Regulatory Act (NMSA 1978, § 61-18A-1) & § 37-1-4", garn: "75% of disposable earnings or 40x federal minimum wage exempt" },
  "NY": { stat: 3, reg: "New York State Department of Financial Services (NY DFS)", act: "NY Consumer Credit Fairness Act (CPLR § 214-i 3-Year Limitation) & 23 NYCRR Part 600", garn: "90% of gross wages exempt; no garnishment if disposable income < 30x NY minimum wage (CPLR § 5231)" },
  "NC": { stat: 3, reg: "North Carolina Office of the Commissioner of Banks", act: "North Carolina Debt Collection Act (N.C.G.S. § 75-50) & N.C.G.S. § 1-52", garn: "100% wage garnishment exemption for general unsecured consumer credit card debt (N.C.G.S. § 1-362)" },
  "ND": { stat: 6, reg: "North Dakota Department of Financial Institutions", act: "North Dakota Collection Agency Act (N.D.C.C. Chapter 13-05)", garn: "75% of disposable earnings or 40x federal minimum wage exempt plus $20/wk per dependent" },
  "OH": { stat: 6, reg: "Ohio Department of Commerce — Division of Financial Institutions", act: "Ohio Consumer Sales Practices Act (ORC Chapter 1345) & ORC § 2305.06", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "OK": { stat: 5, reg: "Oklahoma Department of Consumer Credit", act: "Oklahoma Uniform Consumer Credit Code (14A O.S. § 1-101) & 12 O.S. § 95", garn: "75% of disposable earnings exempt; up to 100% hardship exemption for family support" },
  "OR": { stat: 6, reg: "Oregon Division of Financial Regulation (DCBS)", act: "Oregon Unlawful Debt Collection Practices Act (ORS 646.639) & ORS 12.080", garn: "75% of disposable earnings or statutory minimum weekly threshold ($254-$305/wk) exempt" },
  "PA": { stat: 4, reg: "Pennsylvania Department of Banking and Securities", act: "Pennsylvania Fair Credit Extension Uniformity Act (FCEUA, 73 P.S. § 2270.1) & 42 Pa.C.S. § 5525", garn: "100% wage garnishment exemption for general unsecured consumer debt (42 Pa.C.S. § 8127)" },
  "RI": { stat: 10, reg: "Rhode Island Department of Business Regulation (DBR)", act: "Rhode Island Fair Debt Collection Practices Act (R.I. Gen. Laws § 19-14.9-1)", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "SC": { stat: 3, reg: "South Carolina Department of Consumer Affairs", act: "South Carolina Consumer Protection Code (S.C. Code Ann. § 37-5-108) & § 15-3-530", garn: "100% wage garnishment prohibition for consumer credit, loans, and credit cards (S.C. Code § 37-5-104)" },
  "SD": { stat: 6, reg: "South Dakota Division of Banking", act: "South Dakota Deceptive Trade Practices and Consumer Protection Act (SDCL Chapter 37-24)", garn: "80% of disposable earnings exempt plus $25/wk per dependent (SDCL § 21-18-51)" },
  "TN": { stat: 6, reg: "Tennessee Department of Financial Institutions (TDFI)", act: "Tennessee Collection Service Act (T.C.A. § 62-20-101) & T.C.A. § 28-3-109", garn: "75% of disposable earnings exempt plus $2.50/wk per dependent child under 16" },
  "TX": { stat: 4, reg: "Texas Office of Consumer Credit Commissioner (OCCC)", act: "Texas Debt Collection Act (Tex. Fin. Code Chapter 392) & Tex. Civ. Prac. & Rem. Code § 16.004", garn: "100% constitutional wage garnishment prohibition for consumer credit card/loan debt (Tex. Const. Art. 16 § 28)" },
  "UT": { stat: 6, reg: "Utah Department of Financial Institutions (UDFI)", act: "Utah Consumer Sales Practices Act (Utah Code § 13-11-1) & Utah Collection Agency Act", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "VT": { stat: 6, reg: "Vermont Department of Financial Regulation (DFR)", act: "Vermont Consumer Protection Act (9 V.S.A. Chapter 63) & Rule CP 104", garn: "85% of disposable earnings or 40x federal minimum wage exempt for consumer credit obligations" },
  "VA": { stat: 5, reg: "Virginia Bureau of Financial Institutions (SCC)", act: "Virginia Consumer Protection Act & Va. Code § 8.01-246 (5-Year Written Contract Limitation)", garn: "75% of disposable earnings or 40x Virginia state minimum wage exempt (Va. Code § 34-29)" },
  "WA": { stat: 6, reg: "Washington State Department of Financial Institutions (DFI)", act: "Washington Collection Agency Act (RCW 19.16) & Consumer Protection Act (RCW 19.86)", garn: "80% of disposable earnings or 35x Washington state minimum wage exempt (RCW 6.27.150)" },
  "WV": { stat: 5, reg: "West Virginia Division of Financial Institutions", act: "West Virginia Consumer Credit and Protection Act (W. Va. Code § 46A-2-122)", garn: "80% of disposable earnings or 50x federal minimum wage exempt" },
  "WI": { stat: 6, reg: "Wisconsin Department of Financial Institutions (WDFI)", act: "Wisconsin Consumer Act (Wis. Stat. Chapters 421–427; Debt Extinguished at 6-Year Expiration)", garn: "80% of disposable earnings exempt; 100% exempt if household income is below federal poverty line" },
  "WY": { stat: 8, reg: "Wyoming Division of Banking", act: "Wyoming Uniform Consumer Credit Code (Wyo. Stat. § 40-14-101) & § 1-3-105", garn: "75% of disposable earnings or 30x federal minimum wage exempt" },
  "DC": { stat: 3, reg: "DC Department of Insurance, Securities and Banking (DISB)", act: "DC Protecting Consumers from Unjust Debt Collection Practices Act (D.C. Code § 28-3814)", garn: "Disposable wages up to 40x DC minimum hourly wage 100% exempt; 75% of excess exempt" }
};
    const GEO_METROS = [
  { city: "New York", state: "New York", abbr: "NY", debt: 41200, rate: 8.99, area: "212" },
  { city: "Los Angeles", state: "California", abbr: "CA", debt: 42800, rate: 9.49, area: "213" },
  { city: "Chicago", state: "Illinois", abbr: "IL", debt: 33100, rate: 8.25, area: "312" },
  { city: "Houston", state: "Texas", abbr: "TX", debt: 36900, rate: 7.99, area: "713" },
  { city: "Phoenix", state: "Arizona", abbr: "AZ", debt: 34500, rate: 8.49, area: "602" },
  { city: "Philadelphia", state: "Pennsylvania", abbr: "PA", debt: 31800, rate: 8.75, area: "215" },
  { city: "San Antonio", state: "Texas", abbr: "TX", debt: 35200, rate: 7.99, area: "210" },
  { city: "San Diego", state: "California", abbr: "CA", debt: 40500, rate: 9.49, area: "619" },
  { city: "Dallas", state: "Texas", abbr: "TX", debt: 37100, rate: 7.99, area: "214" },
  { city: "Austin", state: "Texas", abbr: "TX", debt: 33900, rate: 7.99, area: "512" },
  { city: "Jacksonville", state: "Florida", abbr: "FL", debt: 34100, rate: 8.25, area: "904" },
  { city: "San Jose", state: "California", abbr: "CA", debt: 41900, rate: 9.49, area: "408" },
  { city: "Fort Worth", state: "Texas", abbr: "TX", debt: 34800, rate: 7.99, area: "817" },
  { city: "Columbus", state: "Ohio", abbr: "OH", debt: 29800, rate: 7.99, area: "614" },
  { city: "Charlotte", state: "North Carolina", abbr: "NC", debt: 33400, rate: 8.25, area: "704" },
  { city: "Indianapolis", state: "Indiana", abbr: "IN", debt: 28900, rate: 7.99, area: "317" },
  { city: "San Francisco", state: "California", abbr: "CA", debt: 44100, rate: 9.49, area: "415" },
  { city: "Seattle", state: "Washington", abbr: "WA", debt: 36200, rate: 8.49, area: "206" },
  { city: "Denver", state: "Colorado", abbr: "CO", debt: 35100, rate: 8.25, area: "303" },
  { city: "Miami", state: "Florida", abbr: "FL", debt: 42100, rate: 8.25, area: "305" },
  { city: "Atlanta", state: "Georgia", abbr: "GA", debt: 38400, rate: 8.49, area: "404" },
  { city: "Las Vegas", state: "Nevada", abbr: "NV", debt: 39200, rate: 8.99, area: "702" },
  { city: "Tampa", state: "Florida", abbr: "FL", debt: 33700, rate: 8.25, area: "813" },
  { city: "Orlando", state: "Florida", abbr: "FL", debt: 32900, rate: 8.25, area: "407" },
  { city: "Nashville", state: "Tennessee", abbr: "TN", debt: 31500, rate: 7.99, area: "615" },
  { city: "Detroit", state: "Michigan", abbr: "MI", debt: 27900, rate: 8.50, area: "313" },
  { city: "Minneapolis", state: "Minnesota", abbr: "MN", debt: 32400, rate: 7.99, area: "612" },
  { city: "Raleigh", state: "North Carolina", abbr: "NC", debt: 32100, rate: 8.25, area: "919" },
  { city: "Salt Lake City", state: "Utah", abbr: "UT", debt: 30800, rate: 8.10, area: "801" },
  { city: "Kansas City", state: "Missouri", abbr: "MO", debt: 29500, rate: 7.99, area: "816" }
];
    const BRAND_CONSUMER_INTENTS = {
  "debt-relief": {
    name: "Debt Relief & Credit Card Consolidation",
    headline: "Cut Your Monthly Credit Card Payments in Half & Become Debt-Free",
    tagline: "Overwhelmed by $10,000 to $150,000+ in high-interest credit card, medical, or personal loan bills? Our certified specialists negotiate directly with your creditors to reduce what you owe by up to 50% — with $0 upfront fees and one affordable monthly payment that fits your budget.",
    salesHeadline: "Cut Your Monthly Credit Card Payments in Half & Become Debt-Free Faster",
    salesSubheadline: "Stop letting 24%–29% credit card interest drain your paycheck every month. Get a single, lower monthly program payment, eliminate up to 50% of your principal balance, and pay $0 in settlement fees until your debt is resolved.",
    heroImage: "https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1000&q=85",
    heroCaption: "$0 Upfront Fees • Pay Only After Your Debt Is Settled",
    floatingBadge1: "✓ $42,000 Balance Reduced to $19,800",
    floatingBadge2: "↓ Monthly Outflow Cut from $1,150 to $495/mo",
    formTitle: "See How Much You Could Save on Your Debt",
    formSubtitle: "Free 60-Second Savings Estimate • Zero Credit Score Impact",
    formCta: "See My Free Savings Estimate →",
    formUrgencyOptions: [
      "Lower My Monthly Credit Card Payments",
      "Reduce Total Principal Balance Owed",
      "Stop Collection Calls / Behind on Bills",
      "Avoid Bankruptcy With a Hardship Plan"
    ],
    benefits: [
      { icon: "🕊️", title: "One Lower, Stress-Free Monthly Payment", desc: "Replace five or six overwhelming credit card bills with one comfortable monthly deposit designed around your household budget." },
      { icon: "🛡️", title: "$0 Upfront Fees — 100% Performance Guarantee", desc: "Protected by federal FTC rules, you never pay a single penny in settlement fees until we reduce your balance and you approve the deal." },
      { icon: "🎯", title: "Debt-Free in 24–48 Months (Not 28+ Years)", desc: "Escape the minimum-payment trap without filing for bankruptcy while keeping your funds in an FDIC-insured account you control." }
    ],
    regulatoryCite: "FTC Telemarketing Sales Rule (16 CFR § 310.4(a)(5)), Fair Debt Collection Practices Act (15 U.S.C. § 1692), and IRC § 108(a)(1)(B) Form 982 Insolvency Exclusion",
    stats: [
      { val: "Up to 50%", lbl: "Principal Debt Reduction" },
      { val: "$0 Upfront", lbl: "Pay Only On Results" },
      { val: "24 - 48 Mo", lbl: "Debt-Free Timeline" },
      { val: "FDIC Insured", lbl: "Client-Controlled Account" }
    ],
    calcConfig: {
      label: "Unsecured Credit Card / Loan Balance",
      min: 7500,
      max: 150000,
      step: 2500,
      defaultVal: 35000,
      box1Label: "24% APR Minimum Payment Cost",
      box2Label: "Est. 36-Mo Settlement Deposit",
      box3Label: "Est. Total Interest + Principal Saved"
    },
    workedCase: {
      title: "Mathematical Amortization vs. Hardship Settlement ($35,000 Revolving Balance at 23.99% APR)",
      summary: "Under standard credit card minimum-payment formulas (1% of principal + monthly accrued interest at 23.99% APR), a $35,000 balance requires $1,049/mo initially and takes over 28 years to amortize. Below is the side-by-side mathematical breakdown:",
      rows: [
        { metric: "Initial Monthly Outflow", statusQuo: "$1,049 / mo (23.99% APR Minimums)", resolution: "$535 / mo (36-Month Escrow Deposit)" },
        { metric: "Total Principal + Interest Paid", statusQuo: "$76,340 (includes $41,340 interest)", resolution: "$19,250 – $24,500 (including performance fee)" },
        { metric: "Payoff / Resolution Horizon", statusQuo: "342 Months (28.5 Years)", resolution: "24 to 42 Months" },
        { metric: "Upfront Retainer / Setup Fee", statusQuo: "Compounding Daily Interest", resolution: "$0.00 Mandatory (16 CFR § 310.4(a)(5))" }
      ]
    },
    comparison: [
      { feature: "Fee Structure (FTC TSR)", direct: "$0.00 Upfront (Performance-Only Settlement)", others: "Compounding 24.99%–29.99% Revolving APR" },
      { feature: "Account Custody", direct: "FDIC-Insured Dedicated Special-Purpose Account", others: "Unsegregated Third-Party Holding" },
      { feature: "Creditor Verification", direct: "FDCPA § 1692g Written Debt Validation & Mediation", others: "Automated Minimum-Payment Billing" },
      { feature: "Tax Insolvency Guidance", direct: "IRS Form 982 (IRC § 108(a)(1)(B)) Documentation", others: "Unplanned 1099-C Tax Exposure" }
    ],
    pillars: [
      { slug: "credit-card-hardship-settlement-direct-principal-write-down-protocol", title: "Credit Card Hardship Settlement & Principal Write-Down Protocol (16 CFR § 310.4)" },
      { slug: "chase-credit-card-hardship-settlement-percentage-calculator-2026", title: "Chase Credit Card Hardship Program & Principal Settlement Percentage Calculator (2026)" },
      { slug: "american-express-hardship-program-settlement-vs-consolidation-2026", title: "American Express (Amex) Financial Relief Program vs. Direct Principal Settlement Guide" },
      { slug: "capital-one-discover-citi-credit-card-settlement-matrix-2026", title: "Capital One, Discover & Citi Charge-Off Settlement Percentage Matrix (2026)" },
      { slug: "debt-settlement-vs-chapter-7-chapter-13-bankruptcy-calculator-2026", title: "Direct Debt Settlement vs. Chapter 7 & Chapter 13 Bankruptcy Cost & Credit Comparison" },
      { slug: "debt-relief-2026-underwriting-guide", title: "2026 State Statute of Limitations & FDCPA § 1692g Debt Validation Reference" },
      { slug: "credit-card-settlement-2026-underwriting-guide", title: "IRS Form 1099-C & Form 982 Insolvency Exclusion Calculation Guide" }
    ],
    queryFanOut: [
      {
        subQuery: "What percentage do major credit card companies (Chase, Amex, Capital One, Citi, Discover) settle for in 2026?",
        answer: "Prior to selling charged-off receivables to third-party debt buyers at 180 days past due for 8% to 14% of face value, major issuers' internal recovery departments routinely settle verified hardship accounts for 40% to 55% of the charged-off balance. Structured settlement agreements funded through a customer-controlled FDIC-insured special-purpose escrow account eliminate compounding 24.99%–29.99% revolving APRs while enforcing $0 upfront fees under FTC Telemarketing Sales Rule 16 CFR § 310.4(a)(5)."
      },
      {
        subQuery: "Is credit card debt settlement better than Chapter 7 or Chapter 13 bankruptcy?",
        answer: "Unlike Chapter 7 bankruptcy (which requires passing the 11 U.S.C. § 707(b) state median income Means Test, liquidates non-exempt assets, and remains on credit reports for 10 years) or Chapter 13 bankruptcy (which mandates a court-supervised 36-to-60-month disposable income plan and public PACER federal court filings), private hardship settlement is non-public, requires no court trustee supervision, and allows borrowers to resolve unsecured balances in 24 to 42 months."
      },
      {
        subQuery: "How do I avoid paying income tax on forgiven credit card debt (IRS Form 1099-C & Form 982)?",
        answer: "When a creditor cancels $600 or more of principal, it issues IRS Form 1099-C (Cancellation of Debt). However, under Internal Revenue Code (IRC) § 108(a)(1)(B), canceled debt is legally excluded from gross taxable income to the extent the taxpayer was insolvent immediately prior to the discharge (total liabilities including mortgages, student loans, and credit cards exceeded total fair market value of assets). Taxpayers claim this exclusion by attaching IRS Form 982."
      }
    ],
    creditorMatrixTitle: "2026 Major Creditor Hardship & Charge-Off Settlement Benchmark Matrix",
    creditorMatrixHeaders: ["Creditor / Issuer Entity", "FFIEC Charge-Off Window", "Internal Hardship Plan vs. Principal Settlement", "Statutory & Documentation Protocol"],
    creditorMatrix: [
      ["JPMorgan Chase Bank, N.A.", "180 Days Past Due", "Hardship: 60-Mo @ 6%–10% APR | Settlement: ~42%–52% Principal", "FTC 16 CFR § 310.4 Escrow + Written Release"],
      ["American Express National Bank", "180 Days Past Due", "Financial Relief: 12–48 Mo Reduced APR | Settlement: ~45%–55%", "Pre-Legal Internal Recovery / Optima Eligibility"],
      ["Capital One, N.A.", "180 Days Past Due", "Hardship Freeze | Lump/Term Settlement: ~40%–50% Principal", "FDCPA § 1692g Chain-of-Title Verification"],
      ["Citibank, N.A. / Discover Bank", "180 Days Past Due", "60-Mo Fixed Workout vs. ~40%–50% Principal Write-Down", "1099-C / IRC § 108(a)(1)(B) Form 982 Audit"],
      ["Synchrony / Comenity Retail Cards", "180 Days Past Due", "High-APR Store Cards | Settlement Floor: ~35%–48% Principal", "Pre-Sale Portfolio Mediation Before Debt Buyer Sale"]
    ],
    faq: [
      { q: "How does FTC Telemarketing Sales Rule 16 CFR § 310.4(a)(5) protect consumers in debt settlement?", a: "Under 16 CFR § 310.4(a)(5)(i), no debt relief provider may request or receive any fee until (1) it has renegotiated, settled, reduced, or otherwise altered the terms of at least one debt pursuant to a settlement agreement approved by the consumer, (2) the consumer has made at least one payment pursuant to that settlement agreement, and (3) the fee is proportional to the debt settled." },
      { q: "Where are my monthly program deposits held prior to creditor settlement?", a: "Under 16 CFR § 310.4(a)(5)(ii), monthly accumulation deposits must be held in an account at an insured financial institution that the consumer owns and controls. You retain the right to withdraw your accumulated funds at any time without penalty." },
      { q: "How is a credit card issuer's settlement floor calculated during charge-off?", a: "Major card issuers typically charge off delinquent revolving accounts at 180 days past due under FFIEC Uniform Retail Credit Classification guidelines. Before selling a charged-off portfolio to third-party debt buyers for 8 to 14 cents on the dollar, internal recovery desks frequently accept structured lump-sum or term settlements between 40% and 55% of the charged-off balance." },
      { q: "Is forgiven credit card debt taxable on IRS Form 1099-C?", a: "Creditors must issue IRS Form 1099-C when $600 or more of principal is canceled. However, under Internal Revenue Code (IRC) § 108(a)(1)(B), if your total liabilities exceeded the fair market value of your total assets immediately before the discharge, you qualify for the federal insolvency exclusion by filing IRS Form 982 with your tax return." },
      { q: "What is the difference between FDCPA § 1692g debt validation and credit bureau disputes?", a: "Within 30 days of receiving a third-party debt collector's initial written notice, 15 U.S.C. § 1692g(b) grants you the statutory right to demand written verification of the original creditor, chain of title, and itemized accounting. Collection activity must cease until the collector mails verification." },
      { q: "How does my state's statute of limitations affect old unsecured debt?", a: "Every state enforces a statutory limitation period (ranging from 3 years in NY, NC, MS, MD, SC, AL, DE, KS, LA, NH to 6 years in TX/CA/FL/GA/NJ/PA/IL/OH depending on state code) after which a creditor or debt buyer is time-barred from filing a lawsuit. Under Regulation F (12 CFR § 1006.26), suing or threatening to sue on time-barred consumer debt is a federal violation." }
    ]
  },
  "personal-loans": {
    name: "Personal Loans & Debt Consolidation",
    headline: "Fixed-Rate Unsecured Personal Loans — Pay Off High-Interest Debt Fast",
    tagline: "Borrow $5,000 to $100,000 with low fixed rates starting at 6.99% APR. Consolidate expensive 25%+ APR credit cards into one simple, predictable monthly payment — and check your rate in 60 seconds with zero impact to your credit score.",
    salesHeadline: "Pay Off High-Interest Credit Cards With One Low Fixed Monthly Payment",
    salesSubheadline: "Get $5,000 to $100,000 in Fixed-Rate Unsecured Personal loan funding deposited as fast as tomorrow. Check your personalized rate in 60 seconds with a soft credit check that never affects your FICO score.",
    heroImage: "https://images.unsplash.com/photo-1573496359142-b8d87734a5a2?auto=format&fit=crop&w=1000&q=85",
    heroCaption: "Fixed Monthly Payments • $0 Prepayment Penalties • Next-Day Funding",
    floatingBadge1: "✓ $35,000 Approved at Fixed Simple Interest",
    floatingBadge2: "🔒 Soft Credit Check — 0 Score Impact",
    formTitle: "Check Your Personal Loan Rate in 60 Seconds",
    formSubtitle: "100% Soft Credit Pull • Won't Affect Your FICO Score",
    formCta: "Check My Rate Now →",
    formUrgencyOptions: [
      "Consolidate High-Interest Credit Cards",
      "Lower My Monthly Debt Payments",
      "Home Improvement or Major Purchase",
      "Emergency Cash / Medical Expense"
    ],
    benefits: [
      { icon: "💰", title: "Slash Your Interest Rate & Save Thousands", desc: "Stop paying 24%–29% compounding credit card interest. Lock in a low fixed rate and a clear payoff date with zero hidden fees." },
      { icon: "📈", title: "Boost Your Credit Score Fast", desc: "Paying off maxed-out revolving credit cards with a fixed personal loan can drop your credit utilization toward 0% within 30 days." },
      { icon: "⚡", title: "Next-Day Direct Deposit & $0 Early Payoff Penalty", desc: "Check your rate in 60 seconds with zero impact to your credit score and receive funds directly in your bank account as soon as tomorrow." }
    ],
    regulatoryCite: "Truth in Lending Act (TILA / Regulation Z, 12 CFR § 1026.18), Fair Credit Reporting Act (FCRA 15 U.S.C. § 1681b), and Equal Credit Opportunity Act (ECOA Regulation B)",
    stats: [
      { val: "$5k - $100k", lbl: "Loan Amounts Available" },
      { val: "6.99% - 24.99%", lbl: "Low Fixed APR Range" },
      { val: "0 Impact", lbl: "60-Sec Soft Rate Check" },
      { val: "$0 Penalty", lbl: "Pay Off Early Anytime" }
    ],
    calcConfig: {
      label: "Desired Consolidation / Installment Loan Principal",
      min: 5000,
      max: 100000,
      step: 2500,
      defaultVal: 25000,
      box1Label: "36-Mo Fixed Payment (9.99% APR)",
      box2Label: "60-Mo Fixed Payment (11.99% APR)",
      box3Label: "Est. 36-Mo Interest Saved vs. 24.99% Cards"
    },
    workedCase: {
      title: "Truth in Lending (Reg Z) Fixed Amortization vs. Revolving Credit Cards ($25,000 Consolidation)",
      summary: "Replacing $25,000 across revolving credit cards (24.99% average variable APR) with a 36-month fixed simple-interest installment loan at 9.99% APR converts open-ended compounding interest into a closed-end amortization schedule:",
      rows: [
        { metric: "Interest Calculation Method", statusQuo: "24.99% Daily Compounding Revolving APR", resolution: "9.99% Fixed Simple-Interest Amortization" },
        { metric: "Monthly Payment Obligation", statusQuo: "$729 / mo (Variable Minimums)", resolution: "$806.68 / mo Fixed (36 Months)" },
        { metric: "Total Cumulative Interest Paid", statusQuo: "$18,450+ over 60 Months", resolution: "$4,040.48 Total Fixed Interest" },
        { metric: "Credit Utilization Ratio Impact", statusQuo: "78% Revolving Card Utilization (High Penalty)", resolution: "0% Revolving Utilization After Card Payoff" }
      ]
    },
    comparison: [
      { feature: "Interest Structure (12 CFR § 1026)", direct: "Closed-End Simple Interest (Fixed Monthly Payment)", others: "Open-End Daily Compounding Variable APR" },
      { feature: "Rate Inquiry Method", direct: "FCRA Soft Inquiry (Zero Credit Score Impact)", others: "Hard Bureau Pull Prior to Rate Disclosure" },
      { feature: "Prepayment & Principal Curtailment", direct: "$0 Prepayment Penalty (100% Applied to Principal)", others: "Rule of 78s or Precomputed Interest Penalties" },
      { feature: "Disbursement & Payoff Routing", direct: "Direct-to-Creditor Payoff or Next-Day ACH", others: "7–14 Business Day Paper Check Clearing" }
    ],
    pillars: [
      { slug: "same-day-unsecured-installment-loans-high-dti-consolidation", title: "Unsecured Installment Loan Amortization & High-DTI Consolidation Guide (TILA Reg Z)" },
      { slug: "fixed-rate-debt-consolidation-loan-vs-balance-transfer-card-math-2026", title: "Fixed-Rate Unsecured Debt Consolidation Loan vs. 0% Balance Transfer Card Amortization Math" },
      { slug: "high-dti-personal-installment-loan-underwriting-credit-union-vs-direct-lender-2026", title: "High-DTI (50%+) Personal Installment Loan Underwriting: Credit Union vs. Direct Lender" },
      { slug: "personal-loans-2026-underwriting-guide", title: "How Origination Fees (0%–6%) Affect Truth in Lending APR vs. Note Rate" },
      { slug: "installment-loans-2026-underwriting-guide", title: "FICO Revolving Utilization vs. Installment Loan Mix: Mathematical Score Impact" },
      { slug: "fast-installment-credit-2026-underwriting-guide", title: "Debt-to-Income (DTI) & Free Cash Flow Underwriting Benchmarks for $25k–$100k Loans" }
    ],
    queryFanOut: [
      {
        subQuery: "Is a fixed-rate debt consolidation loan better than a 0% APR balance transfer credit card?",
        answer: "A 0% intro APR balance transfer card charges an upfront 3% to 5% transfer fee, keeps debt classified as revolving utilization (which suppresses FICO scores when utilization exceeds 30%), and reverts to a 24.99%–29.99% variable APR after 12 to 18 months. A closed-end Truth in Lending (12 CFR § 1026) installment loan converts revolving balances into a fixed 36-to-60-month simple-interest schedule, immediately dropping revolving card utilization toward 0%."
      },
      {
        subQuery: "How do direct lenders approve high-DTI (45%–55% Debt-to-Income) consolidation borrowers?",
        answer: "When a borrower uses direct-to-creditor payoff disbursement, underwriters calculate Post-Consolidation Back-End DTI by removing the existing high-APR credit card minimum payments that are being extinguished by the loan proceeds. Replacing $35,000 in 25% APR cards ($1,050/mo minimums) with a 60-month fixed installment note ($742/mo) lowers net monthly debt service by $308/mo and reduces the borrower's effective DTI ratio."
      },
      {
        subQuery: "Does checking personal loan rates trigger a hard credit inquiry on Experian, Equifax, or TransUnion?",
        answer: "No. Initial rate, term, and loan amount eligibility screening executes an FCRA § 604(a)(3)(A) soft credit inquiry alongside automated cash-flow verification, which has zero impact on FICO Score 8, FICO Score 9, or VantageScore 4.0 models. A hard bureau inquiry is recorded only if the applicant reviews the Truth in Lending Schumer Box disclosure and signs the final promissory note."
      }
    ],
    creditorMatrixTitle: "2026 Unsecured Consolidation vs. Alternative Credit Facility Matrix",
    creditorMatrixHeaders: ["Credit Facility Type", "TILA APR & Fee Structure", "FICO Revolving Utilization Impact", "Collateral & Prepayment Rules"],
    creditorMatrix: [
      ["Direct Unsecured Installment Loan", "6.99%–24.99% Fixed Simple Interest", "Drops Revolving Utilization to 0% (+40–80 FICO Pts)", "100% Unsecured • $0 Prepayment Penalty"],
      ["0% Intro Balance Transfer Card", "3%–5% Upfront Fee; 26.99% Post-Promo APR", "Counts as High Revolving Utilization (Penalizes FICO)", "Unsecured • Promo Revoked if 1 Day Late"],
      ["Revolving Credit Card Minimums", "23.99%–29.99% Daily Compounding Variable", "70%+ Utilization Severely Depresses Score", "28+ Year Payoff Horizon on Minimums"],
      ["Home Equity Loan / HELOC", "7.50%–11.50% + Appraisal & Closing Costs", "Replaces Unsecured Debt with Secured Mortgage Lien", "Foreclosure Risk on Primary Residence"]
    ],
    faq: [
      { q: "What is the mathematical difference between Note Rate and APR under Truth in Lending (Regulation Z)?", a: "Under 12 CFR § 1026.22, the Annual Percentage Rate (APR) reflects both the nominal interest rate (Note Rate) and any prepaid finance charges such as an origination fee. For example, a $25,000 36-month loan with an 8.50% note rate and a 2.00% ($500) origination fee disburses $24,500 net proceeds, resulting in a disclosed TILA APR of 9.92%." },
      { q: "Does pre-qualifying for an installment loan affect my FICO credit score?", a: "No. Initial rate and term pre-qualification uses a soft credit inquiry under FCRA § 604, which is visible only to you on your consumer disclosure and never impacts your FICO or VantageScore credit rating. A hard inquiry occurs only if you select a final loan offer and execute the closing truth-in-lending promissory note." },
      { q: "How does paying off revolving credit cards with an installment loan improve FICO scores?", a: "Amounts Owed accounts for 30% of a FICO score, weighted heavily toward revolving credit utilization (total credit card balances divided by total credit card limits). Paying off revolving card balances with a closed-end installment loan drops revolving utilization below the 10% optimal threshold while diversifying your Credit Mix (10% of FICO)." },
      { q: "How do underwriters calculate Debt-to-Income (DTI) for unsecured personal loans?", a: "Back-end DTI equals your total recurring monthly debt obligations (housing payment + auto loans + student loans + minimum credit card payments) divided by gross verifiable monthly income. Most prime unsecured installment facilities target a post-consolidation DTI below 40%–45%, where direct creditor payoff eliminates the existing card minimums from the DTI numerator." },
      { q: "Are there any prepayment penalties if I pay off my personal loan early?", a: "No. All personal installment loans underwritten through our platform use simple daily interest with zero prepayment penalties. Any extra payment or early payoff goes 100% toward reducing your remaining principal balance, immediately lowering future interest accrual." },
      { q: "What documentation is required for same-day or next-day ACH verification?", a: "Standard automated underwriting verifies identity (government-issued ID + SSN), income and cash flow (Plaid read-only bank connection or two recent paystubs / 1099 tax filings), and routing/account ownership for direct ACH disbursement." }
    ]
  },
  "business-loans": {
    name: "Fast Business Funding & Working Capital",
    headline: "Fast, Flexible Business Funding, Commercial Term Loans & MCA Reverse Consolidation",
    tagline: "Get $15,000 to $5,000,000 in working capital wired directly to your business bank account in as little as 24 hours. Use funds to grow your business, cover payroll and inventory, or lower daily Merchant Cash Advance payments by up to 60% with one affordable weekly or monthly payment.",
    salesHeadline: "Get $15,000 to $5,000,000 in Business Funding Wired in as Little as 24 Hours",
    salesSubheadline: "Skip the 90-day bank wait and endless paperwork. Get approved today for Commercial Term Loans, Business Lines of Credit, or MCA Reverse Consolidation that cuts daily ACH payments by up to 60% — with zero impact to your personal credit score.",
    heroImage: "https://images.unsplash.com/photo-1556761175-5973dc0f32e7?auto=format&fit=crop&w=1000&q=85",
    heroCaption: "Same-Day Approval Decisions • Wired in 24 Hours • Zero Upfront Fees",
    floatingBadge1: "✓ $150,000 Approved & Wired in 24 Hrs",
    floatingBadge2: "↓ Cut Daily MCA Payments by up to 60%",
    formTitle: "See How Much Your Business Qualifies For",
    formSubtitle: "Takes 60 Seconds • Soft Check Won't Affect Credit",
    formCta: "Get My Free Funding Quote →",
    formUrgencyOptions: [
      "Working Capital / Business Expansion",
      "Lower / Consolidate Daily MCA Payments",
      "Payroll, Inventory or New Equipment",
      "Revolving Business Line of Credit"
    ],
    benefits: [
      { icon: "⚡", title: "Same-Day Decisions & 24-Hour Funding", desc: "Apply in 60 seconds without mountains of bank paperwork. We approve businesses based on real cash flow, not just personal FICO scores." },
      { icon: "📉", title: "Cut Daily MCA Payments by up to 60%", desc: "Drained by multiple daily ACH debits? Our MCA Reverse Consolidation & Buyout program combines stacked advances into one low weekly or monthly payment." },
      { icon: "🛡️", title: "100% Transparent Rates & Zero Obligation", desc: "Review your custom funding offers side-by-side with zero impact to your credit score, clear early-payoff discounts, and $0 upfront fees." }
    ],
    regulatoryCite: "NY DFS Commercial Financing Disclosure Law (23 NYCRR Part 600), California Commercial Financing Disclosures (10 CCR § 900 / SB 1235), and Uniform Commercial Code (UCC) Article 9",
    stats: [
      { val: "$15k - $5M", lbl: "Fast Business Funding" },
      { val: "24 Hours", lbl: "Same-Day Approval & Wire" },
      { val: "Up to 60%", lbl: "Lower MCA Payments" },
      { val: "0 Impact", lbl: "Soft Credit Pre-Check" }
    ],
    calcConfig: {
      label: "Commercial Working Capital / Stacked MCA Balance",
      min: 15000,
      max: 500000,
      step: 5000,
      defaultVal: 75000,
      box1Label: "Stacked Daily MCA Drain (1.32 Factor)",
      box2Label: "Restructured 24-Mo Weekly Term",
      box3Label: "Monthly Operating Cash Flow Freed"
    },
    workedCase: {
      title: "Commercial Cash-Flow Analysis: Stacked Daily MCA vs. 24-Month Term / Reverse Consolidation ($75,000 Facility)",
      summary: "A business carrying $75,000 across two short-term Merchant Cash Advances at a 1.32 factor rate ($99,000 total payback over 140 business days) suffers $707/day ($14,850/month across 21 banking days) in fixed ACH debits. Restructuring into a 24-month weekly commercial facility restores immediate operating liquidity:",
      rows: [
        { metric: "Total Payback Factor / Cost", statusQuo: "1.32 Factor ($99,000 Payback / ~78% APR)", resolution: "1.14 Total Cost Factor ($85,500 over 24 Mos)" },
        { metric: "ACH Debit Frequency & Amount", statusQuo: "$707.14 / Business Day (21x/mo)", resolution: "$822.12 / Week (4.33x/mo)" },
        { metric: "Monthly Cash Outflow", statusQuo: "$14,850 / Month", resolution: "$3,560 / Month" },
        { metric: "Net Monthly Working Capital Retained", statusQuo: "Baseline (Severe Liquidity Drain)", resolution: "+$11,290 / Month Freed (+76% Cash Flow)" }
      ]
    },
    comparison: [
      { feature: "Cost Disclosure (NY Part 600 / CA SB 1235)", direct: "Full Annualized APR, Total Dollar Cost & Term Sheet", others: "Opaque Factor Rates & Hidden Broker Points" },
      { feature: "Repayment Frequency", direct: "Weekly or Monthly Commercial Amortization", others: "Compounding Daily Fixed ACH Debits" },
      { feature: "Stacked Position Handling", direct: "Position Buyout & Reverse Consolidation Available", others: "Automatic Decline on Existing UCC-1 Filings" },
      { feature: "Early Payoff Rebate", direct: "100% Unearned Interest / Prepayment Discount", others: "Full Fixed Payback Required Regardless of Early Payoff" }
    ],
    pillars: [
      { slug: "2026-commercial-working-capital-mca-reverse-consolidation-underwriting-guide", title: "2026 Commercial Working Capital & MCA Reverse Consolidation Underwriting Guide" },
      { slug: "ondeck-kabbage-kapitus-mca-reverse-consolidation-buyout-guide-2026", title: "OnDeck, Kapitus & Forward Financing Stacked MCA Reverse Consolidation & Buyout Protocol" },
      { slug: "merchant-cash-advance-default-ucc-1-lien-release-restructuring-2026", title: "Merchant Cash Advance (MCA) Default, Confession of Judgment & UCC-1 Lien Restructuring Guide" },
      { slug: "sba-7a-working-capital-vs-revenue-based-business-line-of-credit-2026", title: "SBA 7(a) Working Capital vs. Revenue-Based Commercial Line of Credit Underwriting Comparison" },
      { slug: "business-loans-2026-underwriting-guide", title: "Factor Rate to Annualized APR Conversion Math (NY 23 NYCRR Part 600 & CA SB 1235)" },
      { slug: "mca-consolidation-2026-underwriting-guide", title: "How to Resolve Stacked Daily Merchant Cash Advances & UCC-1 Blanket Liens" },
      { slug: "working-capital-2026-underwriting-guide", title: "DSCR (Debt Service Coverage Ratio) & Bank Statement Cash-Flow Underwriting Rules" }
    ],
    queryFanOut: [
      {
        subQuery: "How does MCA reverse consolidation reduce daily ACH debits by 45% to 60% without taking a new high-factor advance?",
        answer: "When an operating business has 2 to 5 stacked Merchant Cash Advances draining daily bank receipts, an institutional reverse consolidation or commercial buyout facility either (1) wires direct payoff funds to existing MCA funders to capture contractual early-payoff rebates and replaces them with a single 24-to-36-month weekly/monthly term facility, or (2) injects graduated weekly working capital that nets down daily debt service by 45% to 60% while preserving operating payroll."
      },
      {
        subQuery: "What are my legal rights under NY 23 NYCRR Part 600, California SB 1235, and UCC-1 lien termination rules?",
        answer: "New York (23 NYCRR Part 600) and California (10 CCR § 900) mandate that commercial financiers disclose the true annualized APR, total dollar finance charge, and prepayment rebate terms in writing before funding. Furthermore, New York CPLR § 3218 prohibits filing Confessions of Judgment (COJs) against out-of-state business owners, and UCC § 9-513 requires funders to issue a UCC-3 Termination Statement once an obligation is satisfied."
      },
      {
        subQuery: "How do commercial underwriters calculate Debt Service Coverage Ratio (DSCR) and bank statement eligibility?",
        answer: "Commercial underwriters analyze the trailing 3 to 4 months of business operating bank statements to verify: (1) Gross Monthly Revenue >= $15,000, (2) Average Daily Balance (ADB) >= 10% of proposed monthly debt service, (3) fewer than 3 NSF/overdraft days per month, and (4) post-restructuring Debt Service Coverage Ratio (Net Operating Income divided by Total Debt Service) >= 1.25x."
      }
    ],
    creditorMatrixTitle: "2026 Commercial Working Capital & MCA Funder Restructuring Matrix",
    creditorMatrixHeaders: ["Commercial Facility / Funder Tier", "Standard Repayment & Cost", "UCC-1 & Early Payoff Policy", "Restructuring / Buyout Pathway"],
    creditorMatrix: [
      ["1st-Position Term / Line (OnDeck / Kapitus Tier)", "Weekly ACH • 1.15–1.28 Factor / Amortizing", "Senior Blanket UCC-1 • 10%–25% Early Payoff Rebate", "Direct Net-Balance Refinance into 24–36 Mo Term"],
      ["2nd/3rd Stacked MCA (Forward / Credibly / Rapid Tier)", "Daily ACH • 1.32–1.45 Factor (85%–140% APR)", "Junior UCC-1 + Split-Lockbox / ACH Holdback", "Reverse Consolidation / Direct Position Buyout"],
      ["High-Risk 4th+ Stack Daily ACH", "Daily ACH • 1.45–1.55 Factor (< 100 Business Days)", "Aggressive UCC § 9-406 Account Debtor Notices", "Emergency Weekly Liquidity & Payment Reduction"],
      ["SBA 7(a) / Institutional Commercial Term", "Monthly Amortization • Prime + 2.75%–4.75% APR", "Requires Senior Lien Priority (UCC-3 Releases)", "Post-Consolidation Bridge once MCA Liens Cleared"]
    ],
    faq: [
      { q: "How do I convert a Merchant Cash Advance (MCA) factor rate into an annualized APR?", a: "A factor rate (e.g., 1.30 on $100,000 = $130,000 total payback) multiplies the principal by a fixed decimal regardless of term length. Because principal amortizes daily across 120 to 160 business days (roughly 6 to 7.5 calendar months), the average outstanding principal is roughly half the initial advance. Under NY 23 NYCRR Part 600 and CA SB 1235 commercial disclosure formulas, a 1.30 factor rate over 6 months with a 3% origination fee equates to an effective annualized APR exceeding 95%." },
      { q: "How does MCA reverse consolidation or commercial debt restructuring work?", a: "When stacked daily MCA debits consume 25% to 50% of gross receivables, a commercial buyout or reverse consolidation facility either (1) pays off the existing MCA balances directly at their early-payoff discount and replaces them with a single 18-to-36-month weekly or monthly term loan, or (2) structures a graduated weekly liquidity facility that reduces net monthly debt service by 45% to 60%." },
      { q: "What is a UCC-1 blanket lien and how is it removed after payoff?", a: "Under Uniform Commercial Code (UCC) Article 9, commercial funders file a UCC-1 financing statement with your state's Secretary of State to perfect a security interest in business receivables. Once an advance is satisfied or refinanced, UCC § 9-513 requires the secured party to file or authorize a UCC-3 Termination Statement removing the lien so your business can access senior bank lines of credit." },
      { q: "What financial metrics do commercial underwriters review on business bank statements?", a: "Institutional commercial underwriters evaluate four core metrics across your last 3 to 4 months of operating bank statements: (1) Average Daily Balance (ADB >= 10% of requested monthly payment), (2) Deposit Consistency (minimum 5 to 8 revenue deposits per month), (3) NSF / Overdraft Days (fewer than 3 negative days per month), and (4) Debt Service Coverage Ratio (DSCR >= 1.25x)." },
      { q: "What is the minimum time in business and monthly revenue to qualify?", a: "Operating US businesses (LLC, S-Corp, C-Corp, or Sole Proprietorship with EIN) with 6+ months time in business and $15,000+ in verifiable monthly gross commercial bank deposits qualify for working capital review. Startups with 3–6 months operating history may qualify for invoice factoring or equipment financing." },
      { q: "Do commercial term loans and revolving lines of credit offer early payoff discounts?", a: "Yes. Unlike standard fixed-factor merchant cash advances that lock in the entire factor fee on day one, amortizing commercial term loans and revolving business lines of credit accrue interest only on the outstanding principal balance—or provide contractual 10% to 25% early payoff addendums." }
    ]
  },
  "tax-relief": {
    name: "IRS Tax Relief & Fresh Start Settlement",
    headline: "Stop IRS Wage Garnishments, Bank Levies & Settle Back Taxes via Offer in Compromise",
    tagline: "Owe $10,000 or more to the IRS or state tax authorities? Our licensed CPAs, Enrolled Agents, and Tax Attorneys step in within 24 hours to halt aggressive collections, waive penalties, and negotiate an official IRS Fresh Start Offer in Compromise (IRC § 7122) settlement.",
    salesHeadline: "Stop IRS Wage Garnishments, Bank Levies & Settle Back Taxes for Less",
    salesSubheadline: "Don't face the IRS alone. Our licensed Tax Attorneys, CPAs, and Enrolled Agents file emergency protection within 24 hours to stop levies, remove up to 100% of eligible tax penalties, and settle your back taxes through the official IRS Fresh Start Program.",
    heroImage: "https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=1000&q=85",
    heroCaption: "Licensed Tax Attorneys, CPAs & Enrolled Agents • 24-Hr Levy Protection",
    floatingBadge1: "✓ Active IRS Wage Levy Released in 24 Hrs",
    floatingBadge2: "🏛️ Official IRS Fresh Start & OIC Specialists",
    formTitle: "Check Your IRS Fresh Start Eligibility",
    formSubtitle: "100% Free & Confidential Tax Relief Review",
    formCta: "Get My Free Tax Relief Plan →",
    formUrgencyOptions: [
      "Received an IRS Notice (CP504 / LT11 / CP14)",
      "Stop Active Wage Garnishment or Bank Levy",
      "Settle Back Taxes for Less (Offer in Compromise)",
      "Unfiled Tax Returns or Business Payroll Taxes"
    ],
    benefits: [
      { icon: "🛑", title: "Stop IRS Levies & Garnishments in 24–48 Hours", desc: "Once we file Power of Attorney (IRS Form 2848), the IRS must speak directly to our licensed defense team instead of calling you or seizing your paycheck." },
      { icon: "📉", title: "Settle for Less Under IRS Fresh Start", desc: "Find out if you qualify for an Offer in Compromise (IRC § 7122), First-Time Penalty Abatement, or an affordable monthly payment plan." },
      { icon: "⚖️", title: "Direct Representation by Licensed Tax Pros", desc: "Work with federally authorized CPAs, Enrolled Agents, and Tax Attorneys starting with a 100% free, no-obligation case review." }
    ],
    regulatoryCite: "Internal Revenue Code (IRC) § 7122 (Offer in Compromise), IRC § 6159 (Installment Agreements), IRC § 6330 (Collection Due Process), and Treasury Circular No. 230",
    stats: [
      { val: "24 - 48 Hr", lbl: "Emergency Levy Release" },
      { val: "IRC § 7122", lbl: "Offer in Compromise" },
      { val: "Up to 100%", lbl: "Penalty Abatement Review" },
      { val: "$0 Cost", lbl: "Free Case Evaluation" }
    ],
    calcConfig: {
      label: "Total Unpaid IRS / State Back Tax Liability",
      min: 10000,
      max: 250000,
      step: 5000,
      defaultVal: 35000,
      box1Label: "72-Mo Streamlined IA (Form 9465)",
      box2Label: "Est. Penalty Abatement Pool (Form 843)",
      box3Label: "Fresh Start OIC / CNC Eligibility"
    },
    workedCase: {
      title: "IRS Reasonable Collection Potential (RCP) & Fresh Start Resolution Comparison ($35,000 Tax Debt)",
      summary: "Under Internal Revenue Manual (IRM) 5.8.4, the IRS evaluates Offer in Compromise (Form 656) eligibility using your Reasonable Collection Potential: RCP = Net Realizable Equity in Assets (80% quick-sale value minus loans) + (Monthly Disposable Income after IRS National & Local Standards x 12 or 24 months):",
      rows: [
        { metric: "Unresolved IRS Automated Collection (ACS)", statusQuo: "CP504 / LT11 Notice + Continuous Wage Levy", resolution: "Form 2848 POA Stay + Collection Hold" },
        { metric: "72-Month Streamlined IA (IRC § 6159)", statusQuo: "0.5%/mo Failure-to-Pay Penalty + 8% Interest", resolution: "$486 / mo Fixed (Penalty Rate Cut by 50%)" },
        { metric: "First-Time Penalty Abatement (IRM 20.1.1.3)", statusQuo: "Up to 25% Failure-to-File + 25% Failure-to-Pay", resolution: "100% Administrative Waiver of Eligible Penalties" },
        { metric: "Offer in Compromise (Form 656 / 433-A OIC)", statusQuo: "$35,000 Full Balance + Compounding Interest", resolution: "Settled for Calculated RCP (If RCP < $35,000)" }
      ]
    },
    comparison: [
      { feature: "Federal Representation Authority", direct: "Circular 230 Licensed Enrolled Agents, CPAs & Tax Attorneys", others: "Unlicensed Document Prep Call Centers" },
      { feature: "Emergency Levy / Garnishment Defense", direct: "Form 2848 POA + Form 12153 CDP Hearing (IRC § 6330)", others: "No Practitioner Priority Service (PPS) Access" },
      { feature: "Financial Analysis Precision", direct: "Full Form 433-A (OIC) National & Local Standard Audit", others: "Generic Payment Plan Submission" },
      { feature: "Compliance & Transcript Audit", direct: "IRS Account, Wage & Income & CSED Expiration Transcripts", others: "Blind Filing Without Transcript Verification" }
    ],
    pillars: [
      { slug: "irs-fresh-start-initiative-offer-in-compromise-tax-resolution-strategy", title: "IRS Fresh Start Initiative & Offer in Compromise (Form 656 / RCP Formula) Complete Guide" },
      { slug: "irs-cp504-lt11-final-notice-of-intent-to-levy-release-protocol-2026", title: "IRS Notice CP504 & LT11 Final Notice of Intent to Levy: 30-Day CDP Hearing & Levy Release" },
      { slug: "irs-form-656-433-a-offer-in-compromise-rcp-calculator-guide-2026", title: "IRS Form 656 & Form 433-A (OIC) Reasonable Collection Potential (RCP) Mathematical Guide" },
      { slug: "irs-fresh-start-installment-agreement-vs-offer-in-compromise-2026", title: "IRS Streamlined Installment Agreement vs. Offer in Compromise (IRC § 7122) Comparison" },
      { slug: "tax-relief-2026-underwriting-guide", title: "IRS Notice Decoder: How to Respond to CP14, CP501, CP503, CP504, and LT11 / Letter 1058" },
      { slug: "irs-fresh-start-2026-underwriting-guide", title: "IRS First-Time Penalty Abatement (Form 843 / IRM 20.1.1.3.3.2.1) & Reasonable Cause Guide" },
      { slug: "wage-garnishment-release-2026-underwriting-guide", title: "How to Stop an Active IRS Wage Garnishment or Bank Levy Using Form 2848 & Form 12153" }
    ],
    queryFanOut: [
      {
        subQuery: "How do I stop an IRS wage garnishment or bank levy after receiving Notice CP504 or LT11 / Letter 1058?",
        answer: "Receiving IRS Notice LT11 or Letter 1058 triggers a strict 30-calendar-day statutory window under IRC § 6330 to file IRS Form 12153 (Request for a Collection Due Process Hearing), which legally halts levy enforcement while Independent Office of Appeals reviews your case. If an active wage levy (Form 668-W) or bank hold (Form 668-A, 21-day escrow freeze under IRC § 6332(c)) is already in place, a Circular 230 practitioner files Form 2848 (Power of Attorney) and Form 433-F with Practitioner Priority Service to secure a Form 668-D Levy Release within 24 to 48 hours."
      },
      {
        subQuery: "What is the exact IRS Offer in Compromise (Form 656 / Form 433-A OIC) Reasonable Collection Potential formula?",
        answer: "Under IRC § 7122 and IRM 5.8.4, your minimum Offer in Compromise settlement equals your Reasonable Collection Potential (RCP): RCP = Net Realizable Equity in Assets (80% Quick Sale Value minus secured loans and IRC § 6334 exemptions) + Future Remaining Income (Gross Monthly Income minus IRS National Standards for Food/Apparel/Out-of-Pocket Healthcare and Local Standards for Housing/Utilities/Transportation, multiplied by 12 for a 5-month Lump Sum Offer or 24 for a Periodic Payment Offer)."
      },
      {
        subQuery: "Should I choose an IRS Fresh Start Streamlined Installment Agreement (Form 9465) or Currently Not Collectible (Status 53)?",
        answer: "If your RCP exceeds your total tax liability and you owe $50,000 or less, the Fresh Start Streamlined Installment Agreement (IRM 5.14.5.2) amortizes the balance over up to 72 months without requiring Form 433-A financial disclosure or a Federal Tax Lien filing. Conversely, if allowable IRS Collection Financial Standards exceed your monthly income (leaving $0 disposable income), your representative can secure Currently Not Collectible (CNC Hardship Status 53 under IRM 5.16.1), halting collections while the 10-year CSED clock (IRC § 6502) continues to run."
      }
    ],
    creditorMatrixTitle: "2026 IRS Enforcement Notice & Statutory Resolution Decoder Matrix",
    creditorMatrixHeaders: ["IRS Notice / Enforcement Action", "Statutory Window & Code", "Enforcement Risk if Ignored", "Direct Circular 230 Filing Protocol"],
    creditorMatrix: [
      ["Notice CP14 / CP501 / CP503", "21–30 Days • IRC § 6303", "0.5%/mo Failure-to-Pay Penalty + 8% Interest Accrual", "Transcript Audit + Form 843 First-Time Abatement"],
      ["Notice CP504 (Intent to Levy)", "30 Days • IRC § 6331(d)", "Seizure of State Tax Refunds & Notice of Tax Lien Prep", "Form 2848 POA + Form 9465 Streamlined IA / OIC Prep"],
      ["Notice LT11 / Letter 1058", "30 Calendar Days • IRC § 6330", "Unrestricted Bank Account Seizure & Wage Garnishment", "Form 12153 CDP Hearing (Legally Tolls Levy Action)"],
      ["Form 668-A (Bank Levy) / 668-W (Wages)", "21-Day Bank Freeze • IRC § 6332(c)", "Bank Remits Frozen Funds on Day 22; Continuous Wage Take", "Emergency PPS Call + Form 433-F -> Form 668-D Release"]
    ],
    faq: [
      { q: "How does the IRS calculate my Offer in Compromise (Form 656) settlement amount?", a: "Under IRC § 7122 and IRM 5.8.4, the IRS does not settle for an arbitrary percentage; it calculates your Reasonable Collection Potential (RCP) on Form 433-A (OIC). RCP equals your Net Realizable Equity in assets (typically 80% of fair market value minus secured loan balances) plus 12 months (for a 5-month Lump Sum Cash Offer) or 24 months (for a 24-month Periodic Payment Offer) of your Monthly Disposable Income after deducting IRS Collection Financial Standards for housing, utilities, food, transportation, and healthcare." },
      { q: "What is the difference between IRS Notice CP504 and LT11 (or Letter 1058)?", a: "Notice CP504 is a Notice of Intent to Seize (Levy) your state tax refund or other property, whereas Notice LT11 (or Letter 1058) is the formal Final Notice of Intent to Levy and Notice of Your Right to a Hearing under IRC § 6330. Receiving an LT11 or Letter 1058 triggers a strict 30-calendar-day window to file IRS Form 12153 (Request for a Collection Due Process or Equivalent Hearing), which legally suspends IRS levy action while Appeals reviews your resolution proposal." },
      { q: "How quickly can a Circular 230 practitioner stop an active IRS bank levy or wage garnishment?", a: "Once you sign IRS Form 2848 (Power of Attorney and Declaration of Representative), a licensed Enrolled Agent, CPA, or Tax Attorney can contact the IRS Practitioner Priority Service (PPS) or Automated Collection System (ACS), submit a verified financial statement (Form 433-F), and establish a qualifying Installment Agreement or Currently Not Collectible (CNC Status 53) hardship determination to secure a manual levy release (Form 668-D) within 24 to 48 hours." },
      { q: "Who qualifies for the IRS Fresh Start Streamlined Installment Agreement (Form 9465)?", a: "Under expanded IRS Fresh Start guidelines (IRM 5.14.5.2), individual taxpayers owing $50,000 or less in combined tax, penalties, and interest can qualify for a Streamlined Installment Agreement up to 72 months (or up to the 10-year Collection Statute Expiration Date) without submitting a full Form 433-A financial statement, and without a Notice of Federal Tax Lien (NFTL) filing if enrolled in Direct Debit." },
      { q: "How do I qualify for IRS First-Time Penalty Abatement (FTA) using Form 843?", a: "Under IRM 20.1.1.3.3.2.1, the IRS grants an administrative waiver of Failure-to-File (IRC § 6651(a)(1)), Failure-to-Pay (IRC § 6651(a)(2)), and Failure-to-Deposit (IRC § 6656) penalties for a single tax period if (1) you had no penalties assessed in the 3 prior tax years, (2) all required tax returns are filed, and (3) you have paid or arranged to pay any tax currently due." },
      { q: "What is the 10-year IRS Collection Statute Expiration Date (CSED)?", a: "Under IRC § 6502, the IRS generally has 10 years from the date a tax liability is formally assessed (the 23C assessment date on your IRS Account Transcript) to collect the tax by levy or court proceeding. Once the CSED expires, the remaining tax balance is legally extinguished, though certain actions (such as filing an Offer in Compromise or Collection Due Process appeal) toll (pause) the CSED clock while pending." }
    ]
  }
};

    const VISUAL_THEME = {
      "business-loans": {
        serifPlain: "Get funded in as little as",
        serifItalic: "24 hours.",
        subLine1: "No hidden broker fees. No impact to your personal credit score.",
        bentoOfferAmt: "$75,000",
        bentoOfferPmt: "$822 / wk",
        bentoOfferTerm: "24 Months",
        bentoOfferSave: "+$11,290/mo Freed",
        bentoApprovedAmt: "$125,000",
        photo1: "https://images.unsplash.com/photo-1556740738-b6a63e27c4df?auto=format&fit=crop&w=700&q=85",
        photo2: "https://images.unsplash.com/photo-1507679799987-c73779587ccf?auto=format&fit=crop&w=700&q=85",
        photo3: "https://images.unsplash.com/photo-1581092160607-ee22621dd758?auto=format&fit=crop&w=700&q=85",
        photo4: "https://images.unsplash.com/photo-1542744173-8e7e53415bb0?auto=format&fit=crop&w=700&q=85",
        clientName: "Marcus Rivera • BuildPro Commercial",
        quotes: ['"We hired 4 employees."', '"We got all new equipment."', '"I made payroll stress-free."', '"We cut our daily MCA draws by 58%."'],
        trustStats: [
          { top: "COMMERCIAL FACILITIES", val: "$15k – $5M" },
          { top: "UNDERWRITING SPEED", val: "24-Hour Funding" },
          { top: "CASH FLOW RECOVERED", val: "45% – 60% Saved" }
        ]
      },
      "debt-relief": {
        serifPlain: "Cut your monthly debt payments in",
        serifItalic: "half.",
        subLine1: "$0 upfront settlement fees. Zero impact to your credit score to check eligibility.",
        bentoOfferAmt: "$35,000",
        bentoOfferPmt: "$495 / mo",
        bentoOfferTerm: "36 Months",
        bentoOfferSave: "$19,250 Est. Saved",
        bentoApprovedAmt: "$48,500",
        photo1: "https://images.unsplash.com/photo-1573496359142-b8d87734a5a2?auto=format&fit=crop&w=700&q=85",
        photo2: "https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=700&q=85",
        photo3: "https://images.unsplash.com/photo-1544005313-94ddf0286df2?auto=format&fit=crop&w=700&q=85",
        photo4: "https://images.unsplash.com/photo-1560250097-0b93528c311a?auto=format&fit=crop&w=700&q=85",
        clientName: "Sarah Jenkins • Verified Client",
        quotes: ['"My monthly payment dropped by $640/mo."', '"We paid off $42,000 in 32 months."', '"Collection calls stopped completely."', '"$0 upfront fees — just as promised."'],
        trustStats: [
          { top: "PRINCIPAL REDUCTION", val: "Up to 50% Less" },
          { top: "FTC FEE PROTECTION", val: "$0 Upfront Fees" },
          { top: "RESOLUTION TIMELINE", val: "24 – 48 Months" }
        ]
      },
      "personal-loans": {
        serifPlain: "Fixed-rate personal loans in",
        serifItalic: "24 hours.",
        subLine1: "Check your rate in 60 seconds. Soft credit check won't affect your FICO score.",
        bentoOfferAmt: "$35,000",
        bentoOfferPmt: "$556 / mo",
        bentoOfferTerm: "60 Months",
        bentoOfferSave: "$7,750 Interest Saved",
        bentoApprovedAmt: "$50,000",
        photo1: "https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=700&q=85",
        photo2: "https://images.unsplash.com/photo-1534528741775-53994a69daeb?auto=format&fit=crop&w=700&q=85",
        photo3: "https://images.unsplash.com/photo-1519085360753-af0119f7cbe7?auto=format&fit=crop&w=700&q=85",
        photo4: "https://images.unsplash.com/photo-1573497019940-1c28c88b4f3e?auto=format&fit=crop&w=700&q=85",
        clientName: "David Chen • Verified Borrower",
        quotes: ['"Paid off 4 credit cards in one afternoon."', '"Locked in a fixed rate and saved $410/mo."', '"Funds hit my checking account next day."', '"Zero prepayment penalty when I paid early."'],
        trustStats: [
          { top: "LOAN AMOUNTS", val: "$5k – $100k" },
          { top: "DISBURSEMENT SPEED", val: "Next-Day ACH" },
          { top: "EARLY PAYOFF FEE", val: "$0 Penalty" }
        ]
      },
      "tax-relief": {
        serifPlain: "Resolve your IRS tax debt in",
        serifItalic: "one clear plan.",
        subLine1: "Stop IRS wage garnishments & bank levies fast. Free confidential CPA & Attorney review.",
        bentoOfferAmt: "$45,000",
        bentoOfferPmt: "$390 / mo",
        bentoOfferTerm: "Fresh Start OIC",
        bentoOfferSave: "Levy Released 24h",
        bentoApprovedAmt: "$62,000",
        photo1: "https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=700&q=85",
        photo2: "https://images.unsplash.com/photo-1556157382-97eda2d62296?auto=format&fit=crop&w=700&q=85",
        photo3: "https://images.unsplash.com/photo-1573496359142-b8d87734a5a2?auto=format&fit=crop&w=700&q=85",
        photo4: "https://images.unsplash.com/photo-1507003211169-0a1dd7228f2d?auto=format&fit=crop&w=700&q=85",
        clientName: "Robert Alvarez • Business Owner",
        quotes: ['"Released my IRS bank levy in 24 hours."', '"Had $14,200 in IRS penalties abated."', '"Never had to speak to an IRS agent myself."', '"Settled 4 years of back taxes cleanly."'],
        trustStats: [
          { top: "IRS REPRESENTATION", val: "CPA / EA / Attorney" },
          { top: "LEVY & LIEN DEFENSE", val: "24-Hr Stay Filing" },
          { top: "FRESH START PROGRAM", val: "IRC § 7122 OIC" }
        ]
      }
    };

    function formatPhoneHuman(e164) {
      const d = String(e164 || "").replace(/\D+/g, "");
      if (d.length === 11 && d.charAt(0) === "1") {
        return "(" + d.slice(1, 4) + ") " + d.slice(4, 7) + "-" + d.slice(7, 11);
      }
      return e164;
    }

    const host = (window.location.hostname || "www.easybuttonfunding.com").toLowerCase();
    const rawSlug = host.replace(/^www\./, "").split(".")[0];
    const cleanKey = rawSlug.replace(/[-_]/g, "");
    const dirEntry = Object.prototype.hasOwnProperty.call(BRAND_DIRECTORY, cleanKey) ? BRAND_DIRECTORY[cleanKey] : null;
    let brandName = dirEntry ? dirEntry[0] : rawSlug.replace(/[-_]/g, " ").replace(/\b\w/g, function(c){ return c.toUpperCase(); });
    let vKey = dirEntry ? dirEntry[1] : "business-loans";

    const cleanPath = (window.location.pathname || "/").replace(/^\/|\/$|\.html$/g, "").toLowerCase();
    if (cleanPath && !cleanPath.startsWith("blog")) {
      if (cleanPath.includes("personal-loan") || cleanPath.includes("installment") || cleanPath.includes("same-day-cash") || cleanPath.includes("emergency-funding")) vKey = "personal-loans";
      else if (cleanPath.includes("business") || cleanPath.includes("mca") || cleanPath.includes("working-capital") || cleanPath.includes("commercial-credit")) vKey = "business-loans";
      else if (cleanPath.includes("tax") || cleanPath.includes("irs") || cleanPath.includes("wage-garnishment")) vKey = "tax-relief";
      else if (cleanPath.includes("debt-relief") || cleanPath.includes("credit-card-settlement") || cleanPath.includes("hardship-program") || cleanPath.includes("debt-consolidation") || cleanPath.includes("debt-forgiveness")) vKey = "debt-relief";
    }

    const phone = Object.prototype.hasOwnProperty.call(BRAND_VERIFIED_PHONES, cleanKey)
      ? BRAND_VERIFIED_PHONES[cleanKey]
      : (VERTICAL_FALLBACK_PHONES[vKey] || "+18556330073");
    const phoneFormatted = formatPhoneHuman(phone);
    const ghlFormId = GHL_FORM_IDS[vKey] || GHL_FORM_IDS["personal-loans"];

    let metro = GEO_METROS[0];
    const sortedMetros = GEO_METROS.slice().sort(function(a, b) { return b.city.length - a.city.length; });
    for (let i = 0; i < sortedMetros.length; i++) {
      const m = sortedMetros[i];
      const cSlug = m.city.toLowerCase().replace(/[^a-z0-9]+/g, "-");
      const sSlug = m.abbr.toLowerCase();
      if (cleanPath.startsWith(cSlug + "-" + sSlug) || cleanPath.includes(cSlug)) {
        metro = m;
        break;
      }
    }

    const stateReg = STATE_REGULATORY_MATRIX[metro.abbr] || STATE_REGULATORY_MATRIX["NY"];
    const vertical = BRAND_CONSUMER_INTENTS[vKey] || BRAND_CONSUMER_INTENTS["business-loans"];
    const vt = VISUAL_THEME[vKey] || VISUAL_THEME["business-loans"];
    const isRoot = !cleanPath || cleanPath === "index";

    const salesHeadline = vertical.salesHeadline || vertical.headline;
    const pageTitle = isRoot
      ? (brandName + " — " + salesHeadline)
      : (brandName + " — " + salesHeadline + " in " + metro.city + ", " + metro.abbr);
    document.title = pageTitle;

    const canonicalUrl = window.location.origin + "/" + (cleanPath || "index");
    const canEl = document.getElementById("doc-canonical");
    if (canEl) canEl.setAttribute("href", canonicalUrl);

    const setTxt = function(id, val) { const el = document.getElementById(id); if (el) el.textContent = val; };
    const setAttr = function(id, attr, val) { const el = document.getElementById(id); if (el) el.setAttribute(attr, val); };

    setTxt("hdr-brand", brandName);
    setTxt("nav-vert", vertical.name);
    setAttr("nav-vert", "href", "/" + vKey);

    const tpCity = document.getElementById("tp-city-text");
    if (tpCity) tpCity.innerHTML = '<strong>4.9</strong> • Serving <strong>' + metro.city + ', ' + metro.abbr + '</strong>';

    const h1El = document.getElementById("hero-h1");
    if (h1El) h1El.innerHTML = vt.serifPlain + ' <em>' + vt.serifItalic + '</em>';
    setTxt("hero-sub-1", vt.subLine1);
    setTxt("hero-sub-2", (vertical.salesSubheadline || vertical.tagline) + " Serving " + metro.city + ", " + metro.abbr + ".");

    // Update 5-Column Bento Grid Showcase
    setTxt("bento-offer-amt", vt.bentoOfferAmt);
    setTxt("bento-offer-pmt", vt.bentoOfferPmt);
    setTxt("bento-offer-term", vt.bentoOfferTerm);
    setTxt("bento-offer-save", vt.bentoOfferSave);
    setTxt("bento-approved-amt", vt.bentoApprovedAmt);
    setTxt("bento-city-lbl", metro.city + ", " + metro.abbr);
    setTxt("bento-client-name", vt.clientName);
    setTxt("bento-all-offers-lbl", "All Offers (" + metro.abbr + ")");
    setTxt("bento-desk-lbl", "✓ " + metro.city + " Desk");
    setAttr("bento-photo-1", "src", vt.photo1);
    setAttr("bento-photo-2", "src", vt.photo2);
    setAttr("bento-photo-3", "src", vt.photo3);
    setAttr("forest-photo-1", "src", vt.photo4);
    setAttr("forest-photo-2", "src", vt.photo2);

    // Update "Why trust [Brand]?" Strip
    setTxt("trust-strip-h2", "Why trust " + brandName + "?");
    if (vt.trustStats && vt.trustStats.length === 3) {
      setTxt("trust-top-1", vt.trustStats[0].top);
      setTxt("trust-val-1", vt.trustStats[0].val);
      setTxt("trust-top-2", vt.trustStats[1].top);
      setTxt("trust-val-2", vt.trustStats[1].val);
      setTxt("trust-top-3", vt.trustStats[2].top);
      setTxt("trust-val-3", vt.trustStats[2].val);
    }

    // Update Forest Customer Outcomes Section
    setTxt("forest-pill-lbl", "Verified " + metro.city + ", " + metro.abbr + " Outcomes");
    setTxt("forest-h2", "Real financial momentum for " + metro.city + " clients.");
    const fqEl = document.getElementById("forest-quotes");
    if (fqEl && vt.quotes) {
      fqEl.innerHTML = vt.quotes.map(function(q) { return "<span>" + q + "</span>"; }).join("");
    }

    // Update Calculator & GoHighLevel Form
    setTxt("calc-pill-lbl", "Real-Time " + metro.city + ", " + metro.abbr + " Estimator");
    setTxt("calc-desc-p", "Drag the slider below to model your current payments against a structured " + brandName + " option:");
    setTxt("calc-desk-lbl", "Live " + metro.city + ", " + metro.abbr + " Specialist Desk");
    setTxt("form-city-lbl", metro.city + ", " + metro.abbr);
    if (vertical.formTitle) setTxt("form-title", vertical.formTitle);
    if (vertical.formSubtitle) setTxt("form-sub", vertical.formSubtitle);
    if (vertical.formCta) setTxt("lead-submit-btn", vertical.formCta);

    const goalSel = document.getElementById("lead-goal");
    if (goalSel && vertical.formUrgencyOptions) {
      goalSel.innerHTML = vertical.formUrgencyOptions.map(function(opt) {
        return '<option value="' + opt + '">' + opt + '</option>';
      }).join("");
    }
    const ifr = document.getElementById("ghl-native-iframe");
    if (ifr) ifr.setAttribute("data-src", "https://api.leadconnectorhq.com/widget/form/" + ghlFormId);
    setTxt("modal-brand-title", brandName + " — Official GoHighLevel Intake & Callback Scheduler");

    // Update all phone links and formatted phone displays
    const allTelLinks = document.querySelectorAll('a[href^="tel:"]');
    for (let i = 0; i < allTelLinks.length; i++) {
      allTelLinks[i].setAttribute("href", "tel:" + phone);
    }
    const allPhoneDisplays = document.querySelectorAll(".dni-phone-display");
    for (let j = 0; j < allPhoneDisplays.length; j++) {
      allPhoneDisplays[j].textContent = phoneFormatted;
    }

    if (vertical.benefits) {
      setTxt("benefits-sub-p", vertical.headline + " in " + metro.city + ", " + metro.abbr);
      const gridEl = document.getElementById("benefits-grid");
      if (gridEl) {
        gridEl.innerHTML = vertical.benefits.map(function(b) {
          return '<div class="benefit-card"><div style="width:36px;height:36px;border-radius:50%;background:var(--lime);color:var(--lime-ink);display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:1rem;">✓</div><h3 style="margin:0 0 0.5rem;font-size:1.18rem;font-weight:800;color:var(--ink);">' + b.title + '</h3><p style="margin:0;color:var(--ink-muted);font-size:0.94rem;">' + b.desc + '</p></div>';
        }).join("");
      }
    }

    if (vertical.calcConfig) {
      setTxt("calc-label", vertical.calcConfig.label);
      setTxt("calc-b1-lbl", vertical.calcConfig.box1Label);
      setTxt("calc-b2-lbl", vertical.calcConfig.box2Label);
      setTxt("calc-b3-lbl", vertical.calcConfig.box3Label);
      const slider = document.getElementById("calc-slider");
      if (slider) {
        slider.min = vertical.calcConfig.min;
        slider.max = vertical.calcConfig.max;
        slider.step = vertical.calcConfig.step;
        slider.value = vertical.calcConfig.defaultVal;
      }
    }

    window.syncHeroAmount = function(val) {
      const inp = document.getElementById("lead-amount");
      if (inp) inp.value = val;
      const pills = document.querySelectorAll(".amt-pill");
      for (let i = 0; i < pills.length; i++) {
        pills[i].classList.remove("active");
        if (val.indexOf("15,000") !== -1 && i === 0) pills[i].classList.add("active");
        else if (val.indexOf("35,000") !== -1 && i === 1) pills[i].classList.add("active");
        else if (val.indexOf("100,000+") !== -1 && i === 2) pills[i].classList.add("active");
      }
    };

    window.selectAmtPill = function(el, val) {
      const pills = document.querySelectorAll(".amt-pill");
      for (let i = 0; i < pills.length; i++) pills[i].classList.remove("active");
      el.classList.add("active");
      const inp = document.getElementById("lead-amount");
      if (inp) inp.value = val;
    };

    window.toggleGhlNativeModal = function() {
      const m = document.getElementById("ghl-widget-modal");
      if (!m) return;
      if (m.style.display === "none" || !m.style.display) {
        m.style.display = "flex";
        const frame = document.getElementById("ghl-native-iframe");
        if (frame && !frame.getAttribute("src")) {
          frame.setAttribute("src", frame.getAttribute("data-src"));
        }
      } else {
        m.style.display = "none";
      }
    };

    window.submitGhlLeadForm = async function(e) {
      if (e) e.preventDefault();
      const btn = document.getElementById("lead-submit-btn");
      const statusEl = document.getElementById("lead-form-status");
      if (!btn) return false;
      btn.disabled = true;
      btn.textContent = "Submitting Your Request...";

      const payload = {
        first_name: (document.getElementById("lead-fname") || {}).value || "",
        last_name: (document.getElementById("lead-lname") || {}).value || "",
        phone: (document.getElementById("lead-phone") || {}).value || "",
        email: (document.getElementById("lead-email") || {}).value || "",
        amount: (document.getElementById("lead-amount") || {}).value || "",
        goal: (document.getElementById("lead-goal") || {}).value || "",
        brand: brandName,
        vertical: vKey,
        city: metro.city,
        state: metro.abbr,
        ghl_form_id: ghlFormId,
        ghl_location_id: "5lhp8GE2yV3hsLHKgwXI",
        source_url: window.location.href
      };

      try {
        await fetch("/api/lead", {
          method: "POST",
          headers: { "Content-Type": "application/json" },
          body: JSON.stringify(payload)
        });
      } catch (_) {}

      btn.textContent = "✓ Pre-Qualification Received!";
      if (statusEl) {
        statusEl.style.display = "block";
        statusEl.innerHTML = '✓ <strong>Thank you, ' + (payload.first_name || "Friend") + '!</strong> Your ' + metro.city + ' request has been routed to our GoHighLevel specialist desk. For immediate priority service, call <a href="tel:' + phone + '" style="color:#065f46;text-decoration:underline;font-weight:800;">' + phoneFormatted + '</a> now.';
      }
      return false;
    };

    window.updateEdgeCalc = function(rawVal) {
      const num = parseInt(rawVal, 10) || 35000;
      setTxt("calc-val-display", "$" + num.toLocaleString());
      if (vKey === "personal-loans") {
        const r = 0.1199 / 12;
        const p36 = Math.round((num * r) / (1 - Math.pow(1 + r, -36)));
        const p60 = Math.round((num * r) / (1 - Math.pow(1 + r, -60)));
        const save = Math.max(500, Math.round(num * 0.31));
        setTxt("calc-box-1", "$" + p36.toLocaleString() + " / mo (36 Mo)");
        setTxt("calc-box-2", "$" + p60.toLocaleString() + " / mo (60 Mo)");
        setTxt("calc-box-3", "$" + save.toLocaleString() + " Saved vs Cards");
      } else if (vKey === "business-loans") {
        const dailyMca = Math.round((num * 1.32) / 140);
        const monthlyMca = dailyMca * 21;
        const r = 0.14 / 12;
        const monthlyTerm = Math.round((num * r) / (1 - Math.pow(1 + r, -24)));
        const weeklyTerm = Math.round((monthlyTerm * 12) / 52);
        const freed = Math.max(500, monthlyMca - monthlyTerm);
        setTxt("calc-box-1", "$" + dailyMca.toLocaleString() + " / day ($" + monthlyMca.toLocaleString() + "/mo)");
        setTxt("calc-box-2", "$" + weeklyTerm.toLocaleString() + " / wk ($" + monthlyTerm.toLocaleString() + "/mo)");
        setTxt("calc-box-3", "+$" + freed.toLocaleString() + " / mo Freed");
      } else if (vKey === "tax-relief") {
        const ia72 = Math.round(num / 72);
        const penAbate = Math.round(num * 0.25);
        setTxt("calc-box-1", "$" + ia72.toLocaleString() + " / mo (72-Mo IA)");
        setTxt("calc-box-2", "Up to $" + penAbate.toLocaleString() + " Abated");
        setTxt("calc-box-3", "IRC § 7122 OIC Eligible");
      } else {
        const minTotal = Math.round(num * 2.18);
        const progMo = Math.round((num * 0.75) / 49);
        const netSave = Math.max(1000, minTotal - Math.round(num * 0.75));
        setTxt("calc-box-1", "$" + minTotal.toLocaleString() + " (28+ Yrs)");
        setTxt("calc-box-2", "$" + progMo.toLocaleString() + " / mo");
        setTxt("calc-box-3", "$" + netSave.toLocaleString() + " Saved");
      }
    };
    if (vertical.calcConfig) window.updateEdgeCalc(vertical.calcConfig.defaultVal);

    if (vertical.workedCase) {
      setTxt("wc-title", vertical.workedCase.title);
      setTxt("wc-summary", vertical.workedCase.summary);
      setTxt("wc-col-brand", "With " + brandName);
      const tbody = document.getElementById("wc-tbody");
      if (tbody) {
        tbody.innerHTML = vertical.workedCase.rows.map(function(r, idx){
          return '<tr style="border-bottom:1px solid var(--border);background:' + (idx % 2 === 0 ? '#ffffff' : 'var(--bg-ivory)') + ';"><td style="padding:0.8rem 1rem;font-weight:700;">' + r.metric + '</td><td style="padding:0.8rem 1rem;color:var(--ink-muted);">' + r.statusQuo + '</td><td style="padding:0.8rem 1rem;color:#15803d;font-weight:800;">✓ ' + r.resolution + '</td></tr>';
        }).join("");
      }
    }

    setTxt("state-card-title", metro.state + " (" + metro.abbr + ") Consumer & Commercial Regulatory Protections");
    setTxt("geo-box-body", brandName + " operates in full alignment with federal consumer guidelines and " + stateReg.reg + " under the " + stateReg.act + " (" + stateReg.stat + "-year written contract limitation period; " + stateReg.garn + ").");

    const faqList = document.getElementById("faq-list");
    if (faqList && vertical.faq) {
      faqList.innerHTML = vertical.faq.map(function(f){
        return '<div class="faq-item"><div class="faq-q">' + f.q + '</div><div style="color:var(--ink-muted);font-size:0.95rem;">' + f.a + '</div></div>';
      }).join("");
    }

    setTxt("pillars-heading", brandName + " Guides & Resources");
    const pillarEl = document.getElementById("pillar-links");
    if (pillarEl && vertical.pillars) {
      pillarEl.innerHTML = vertical.pillars.map(function(p){
        return '<a href="/blog/' + p.slug + '.html" class="guide-link-card"><span>' + p.title + '</span> <span>→</span></a>';
      }).join("");
    }
    const regEl = document.getElementById("regional-links");
    if (regEl) {
      regEl.innerHTML = GEO_METROS.slice(0, 12).map(function(m){
        const cSlug = m.city.toLowerCase().replace(/[^a-z0-9]+/g, "-");
        const sSlug = m.abbr.toLowerCase();
        return '<a href="/' + cSlug + '-' + sSlug + '-' + vKey + '" class="region-pill">' + m.city + ', ' + m.abbr + '</a>';
      }).join("");
    }
  })();
  </script>
</body>
</html>
