/* ==========================================================================
   Insurance Coverage Center - DESIGN SYSTEM
   Palette: Deep Burgundy #6B1D2E, Charcoal #2F3437, Gold #C08A2E
   Gold carries white text only at #9A6B1E, which clears WCAG AA at 4.67:1.
   Typography: 'Space Grotesk' (headings) and 'Inter' (body and interface)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700;800&family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  /* Burgundy ramp */
  --primary-950: #24070F;
  --primary-900: #2A0A13;
  --primary-800: #40101C;
  --primary-700: #551626;
  --primary-600: #6B1D2E;
  --primary-500: #8C3446;
  --primary-300: #D8A9B4;
  --primary-light: #FDF2F4;
  --primary-ring: rgba(107, 29, 46, 0.18);

  /* Charcoal secondary */
  --secondary: #2F3437;
  --secondary-hover: #1F2427;
  --secondary-light: #F4F5F5;
  --secondary-ring: rgba(47, 52, 55, 0.18);

  /* Gold accent */
  --accent: #C08A2E;
  --accent-hover: #9A6B1E;
  --accent-light: #FDF8EC;
  --accent-ink: #6B4E10;
  --accent-on-dark: #E4B45C;
  --accent-ring: rgba(192, 138, 46, 0.24);

  /* Type */
  --text-heading: #23282B;
  --text-body: #4A5054;
  --text-muted: #5F6668;
  --text-placeholder: #6E7577;
  --on-dark: #FFFFFF;
  --on-dark-body: #CFC9CB;
  --on-dark-muted: #A79EA2;

  /* Surfaces */
  --canvas: #F7F7F6;
  --surface: #FFFFFF;
  --surface-alt: #FAFAF9;
  --line: #E2E4E3;
  --line-strong: #D3D6D5;

  /* Focus */
  --focus-ring: #6B1D2E;
  --focus-ring-dark: #E4B45C;

  /* Elevation */
  --shadow-xs: 0 1px 2px rgba(42, 10, 19, 0.05);
  --shadow-sm: 0 2px 6px rgba(42, 10, 19, 0.07);
  --shadow-md: 0 8px 20px rgba(42, 10, 19, 0.09);
  --shadow-lg: 0 16px 36px rgba(42, 10, 19, 0.13);
  --shadow-xl: 0 24px 50px rgba(42, 10, 19, 0.16);
  --shadow-primary: 0 6px 18px rgba(107, 29, 46, 0.22);
  --shadow-secondary: 0 6px 18px rgba(47, 52, 55, 0.22);
  --shadow-accent: 0 6px 18px rgba(154, 107, 30, 0.28);

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-2xl: 32px;
  --radius-full: 9999px;

  /* Spacing rhythm */
  --gap-xs: 0.35rem;
  --gap-sm: 0.75rem;
  --gap-md: 1.25rem;
  --gap-lg: 2rem;
  --gap-xl: 3.25rem;
  --section-space: 5.25rem;

  /* Typography families */
  --font-heading: 'Space Grotesk', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Motion */
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-soft: all 0.18s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-bounce: all 0.4s cubic-bezier(0.68, -0.55, 0.265, 1.55);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-body);
  font-size: 16px;
  scroll-behavior: smooth;
  color: var(--text-body);
  background-color: var(--canvas);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

html.has-modal-open {
  overflow: hidden;
}

body {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--font-heading);
  color: var(--text-heading);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.025em;
}

a {
  color: var(--primary-600);
  text-decoration: none;
  transition: var(--transition-soft);
}

a:hover {
  color: var(--primary-700);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 3px solid var(--focus-ring);
  outline-offset: 2px;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul {
  list-style-position: inside;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.text-gradient {
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--accent-hover) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

/* ==========================================================================
   1. NOTICE AND PHONE BARS
   ========================================================================== */
.notice-bar {
  background: linear-gradient(90deg, var(--primary-950) 0%, var(--primary-800) 60%, var(--primary-700) 100%);
  color: var(--on-dark-body);
  font-size: 0.8rem;
  padding: 0.65rem 0;
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.notice-bar p {
  margin: 0;
  line-height: 1.5;
  max-width: 1080px;
  margin-inline: auto;
}

.notice-bar strong {
  color: var(--on-dark);
  font-weight: 700;
}

.notice-bar a {
  color: var(--accent-on-dark);
  text-decoration: underline;
}

.notice-bar a:hover {
  color: var(--on-dark);
}

.phone-bar {
  background: linear-gradient(135deg, var(--primary-900) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 0.7rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.phone-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.phone-bar-left {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--on-dark);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition-soft);
}

.phone-bar-left svg {
  width: 17px;
  height: 17px;
  fill: var(--accent);
}

.phone-bar-left:hover {
  color: var(--accent-on-dark);
}

.phone-bar-left:hover svg {
  fill: var(--accent-on-dark);
}

.phone-bar-left:focus-visible {
  outline-color: var(--focus-ring-dark);
}

.live-agent-pulse {
  width: 9px;
  height: 9px;
  background-color: var(--accent);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
  animation: livePulse 2.4s infinite;
}

@keyframes livePulse {
  0% {
    box-shadow: 0 0 0 0 var(--accent-ring);
  }

  70% {
    box-shadow: 0 0 0 8px rgba(192, 138, 46, 0);
  }

  100% {
    box-shadow: 0 0 0 0 rgba(192, 138, 46, 0);
  }
}

.phone-bar-badge {
  background: var(--accent-light);
  border: 1px solid var(--accent);
  color: var(--accent-ink);
  font-size: 0.72rem;
  padding: 0.15rem 0.55rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  letter-spacing: 0.02em;
  white-space: nowrap;
}

.phone-bar-right {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.85rem;
  color: var(--on-dark-body);
  text-align: right;
}

.phone-bar-separator {
  opacity: 0.5;
}

.phone-bar-highlight {
  background: rgba(255, 255, 255, 0.1);
  color: var(--on-dark);
  font-weight: 600;
  font-size: 0.8rem;
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-full);
  border: 1px solid rgba(255, 255, 255, 0.18);
  white-space: nowrap;
}

/* ==========================================================================
   2. HEADER AND NAVIGATION
   ========================================================================== */
.header-main {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid var(--line);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  height: 84px;
  position: relative;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-family: var(--font-heading);
  text-decoration: none;
  flex-shrink: 0;
}

.brand-logo:hover {
  color: inherit;
}

.brand-logo-icon {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-primary);
  transition: var(--transition-bounce);
  flex-shrink: 0;
}

.brand-logo:hover .brand-logo-icon {
  transform: rotate(5deg) scale(1.05);
  box-shadow: var(--shadow-lg);
}

.brand-logo-icon svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

.brand-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-logo-top {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary-800);
  letter-spacing: -0.02em;
}

.brand-logo-bottom {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--accent-hover);
  letter-spacing: 0.22em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
}

.nav-link {
  font-weight: 600;
  color: var(--text-body);
  font-size: 0.9rem;
  padding: 0.5rem 0.8rem;
  border-radius: var(--radius-full);
  position: relative;
  transition: var(--transition-soft);
  font-family: var(--font-body);
}

.nav-link:hover {
  color: var(--primary-600);
  background: var(--primary-light);
}

.nav-link.active {
  color: var(--primary-600);
  background: var(--primary-light);
  font-weight: 700;
  box-shadow: inset 0 0 0 1px var(--primary-300);
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.get-quote-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.65rem 1.35rem;
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  text-decoration: none;
  font-family: var(--font-body);
  box-shadow: var(--shadow-primary);
  border: 1px solid var(--primary-800);
  white-space: nowrap;
  transition: var(--transition);
}

.get-quote-btn:hover {
  background: var(--primary-700);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.get-quote-btn:active {
  transform: translateY(0);
  box-shadow: var(--shadow-primary);
}

.mobile-toggle {
  display: none;
  background: var(--surface);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  cursor: pointer;
  padding: 0.5rem;
  color: var(--primary-800);
  transition: var(--transition-soft);
}

.mobile-toggle:hover {
  background: var(--primary-light);
  border-color: var(--primary-300);
  color: var(--primary-600);
}

.mobile-toggle svg {
  width: 26px;
  height: 26px;
  display: block;
}

/* ==========================================================================
   3. BUTTONS AND SHARED SECTION FURNITURE
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.75rem 1.6rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
  font-family: var(--font-body);
  line-height: 1.3;
}

.btn svg {
  flex-shrink: 0;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  box-shadow: var(--shadow-primary);
}

.btn-primary:hover {
  background: var(--primary-700);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-primary:active {
  transform: translateY(0);
  box-shadow: var(--shadow-primary);
}

.btn-outline {
  background-color: transparent;
  color: var(--primary-600);
  border-color: var(--primary-600);
}

.btn-outline:hover {
  background-color: var(--primary-600);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-primary);
}

.btn-outline:active {
  transform: translateY(0);
}

.btn-outline-accent {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: transparent;
  color: var(--accent-hover);
  border: 2px solid var(--accent);
  padding: 0.75rem 1.6rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.925rem;
  text-decoration: none;
  transition: var(--transition);
}

.btn-outline-accent:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-accent);
}

.btn-block {
  width: 100%;
  margin-top: 0.5rem;
}

.section-padding {
  padding: var(--section-space) 0;
}

.section-title-wrapper {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 3.25rem;
}

.section-title-wrapper--left {
  text-align: left;
  margin-bottom: var(--gap-lg);
}

.section-badge-pill {
  display: inline-block;
  background: var(--accent-light);
  color: var(--accent-ink);
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding: 0.35rem 0.9rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.9rem;
  border: 1px solid var(--accent);
}

.section-title {
  font-size: 2.3rem;
  color: var(--text-heading);
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.section-subtitle {
  color: var(--text-muted);
  font-size: 1.05rem;
  line-height: 1.65;
}

/* ==========================================================================
   4. HOMEPAGE HERO
   ========================================================================== */
.hero-new {
  position: relative;
  background: linear-gradient(180deg, var(--surface) 0%, var(--canvas) 100%);
  padding: 4.5rem 0 5rem;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}

.hero-new::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 520px;
  height: 520px;
  background: radial-gradient(circle, var(--primary-ring) 0%, rgba(192, 138, 46, 0.05) 50%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-new-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-new-content {
  display: flex;
  flex-direction: column;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  background: var(--primary-light);
  color: var(--primary-700);
  border: 1px solid var(--primary-300);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  align-self: flex-start;
}

.hero-badge svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
  flex-shrink: 0;
}

.hero-new-title {
  font-size: 2.95rem;
  line-height: 1.15;
  color: var(--primary-900);
  margin-bottom: 1.25rem;
  letter-spacing: -0.03em;
}

.hero-new-description {
  font-size: 1.12rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}

.hero-highlights-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-bottom: 1.6rem;
}

.hero-highlight-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--surface);
  border: 1px solid var(--line);
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-heading);
  box-shadow: var(--shadow-xs);
  transition: var(--transition-soft);
}

.hero-highlight-pill:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.highlight-icon {
  width: 16px;
  height: 16px;
  fill: var(--primary-600);
  flex-shrink: 0;
}

.hero-new-sub {
  font-size: 0.925rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.75rem;
}

.hero-new-actions {
  display: flex;
  align-items: center;
  gap: 1.4rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}

.btn-call {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 0.9rem 1.9rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: var(--shadow-primary);
  transition: var(--transition);
  text-decoration: none;
  font-family: var(--font-body);
  border: 1px solid var(--primary-800);
}

.btn-call:hover {
  background: var(--primary-700);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-call:active {
  transform: translateY(0);
  box-shadow: var(--shadow-primary);
}

.btn-call svg {
  fill: currentColor;
}

.hero-form-link {
  color: var(--primary-600);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: underline;
  text-underline-offset: 4px;
  transition: var(--transition-soft);
}

.hero-form-link:hover {
  color: var(--accent-hover);
  transform: translateX(3px);
}

.hero-new-disclaimer {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.6;
  max-width: 60ch;
}

/* ==========================================================================
   5. TWO STEP REVIEW CARD
   ========================================================================== */
.hero-new-card {
  background: var(--surface);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--line);
  overflow: hidden;
  position: relative;
  transition: var(--transition);
}

.hero-new-card:hover {
  box-shadow: var(--shadow-xl), 0 0 0 1px var(--primary-300);
}

.quote-card-header {
  background: linear-gradient(135deg, var(--primary-900) 0%, var(--primary-700) 65%, var(--secondary) 100%);
  color: var(--on-dark);
  padding: 1.6rem 2rem;
  text-align: center;
}

.quote-card-header h2 {
  color: var(--on-dark);
  font-size: 1.2rem;
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.quote-progress {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.quote-progress-bar {
  flex: 1;
  height: 6px;
  background: rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.quote-progress-bar::after {
  content: '';
  display: block;
  width: 50%;
  height: 100%;
  background: var(--accent);
  border-radius: var(--radius-full);
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.quote-progress-bar.full::after {
  width: 100%;
  background: var(--accent-on-dark);
}

.quote-progress span {
  font-size: 0.78rem;
  color: var(--on-dark-body);
  white-space: nowrap;
  font-weight: 600;
}

.quote-form {
  padding: 1.9rem;
}

.quote-form-label {
  font-weight: 700;
  color: var(--primary-900);
  margin-bottom: 1.15rem;
  font-size: 0.98rem;
}

.quote-options {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.7rem;
  margin-bottom: 1rem;
  padding: 0.35rem;
  margin-inline: -0.35rem;
  border-radius: var(--radius-lg);
  transition: var(--transition-soft);
}

.quote-options.is-flagged {
  box-shadow: 0 0 0 2px var(--primary-600);
}

.quote-option {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.7rem 0.8rem;
  border: 2px solid var(--line);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition-soft);
  background: var(--surface);
  position: relative;
}

.quote-option:hover {
  border-color: var(--primary-500);
  background: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.quote-option:has(input[type="radio"]:focus-visible) {
  outline: 3px solid var(--focus-ring);
  outline-offset: 2px;
}

.quote-option input[type="radio"] {
  appearance: none;
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border: 2px solid var(--line-strong);
  border-radius: 50%;
  flex-shrink: 0;
  transition: var(--transition-soft);
  position: relative;
  cursor: pointer;
  margin: 0;
}

.quote-option input[type="radio"]:checked {
  border-color: var(--primary-600);
  background: var(--primary-600);
}

.quote-option input[type="radio"]:checked::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 6px;
  height: 6px;
  background: var(--on-dark);
  border-radius: 50%;
}

.quote-option:has(input[type="radio"]:checked) {
  border-color: var(--primary-600);
  background: var(--primary-light);
  box-shadow: 0 0 0 1px var(--primary-600);
}

.quote-option-icon {
  width: 34px;
  height: 34px;
  background: var(--primary-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  flex-shrink: 0;
  border: 1px solid var(--primary-300);
  transition: var(--transition-soft);
}

.quote-option:has(input[type="radio"]:checked) .quote-option-icon {
  background: var(--primary-600);
  color: var(--on-dark);
  border-color: var(--primary-600);
}

.quote-option-icon svg {
  width: 19px;
  height: 19px;
  fill: currentColor;
}

.quote-option-text {
  font-weight: 700;
  color: var(--text-heading);
  font-size: 0.9rem;
  line-height: 1.25;
}

.btn-continue {
  width: 100%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 0.9rem 2rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.98rem;
  border: 1px solid var(--primary-800);
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font-body);
  box-shadow: var(--shadow-primary);
}

.btn-continue:hover {
  background: var(--primary-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-continue:active {
  transform: translateY(0);
  box-shadow: var(--shadow-primary);
}

.quote-card-footer {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 1.15rem;
  line-height: 1.55;
}

.quote-call-display {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--accent-light) 100%);
  border: 2px solid var(--primary-600);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.5rem;
  margin: 0 0 1.15rem;
  color: var(--primary-900);
  text-decoration: none;
  transition: var(--transition);
  font-family: var(--font-heading);
  box-shadow: var(--shadow-sm);
}

.quote-call-display svg {
  fill: var(--primary-600);
  flex-shrink: 0;
}

.quote-call-display span {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.quote-call-display:hover {
  background: var(--primary-600);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-primary);
}

.quote-call-display:hover svg {
  fill: var(--on-dark);
}

.quote-step2-text {
  text-align: center;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.4rem;
}

.quote-back-link {
  display: block;
  text-align: center;
  margin-top: 1.1rem;
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 4px;
  transition: var(--transition-soft);
}

.quote-back-link:hover {
  color: var(--primary-600);
}

/* ==========================================================================
   6. TRUST STRIP
   ========================================================================== */
.trust-section {
  padding: 3.5rem 0 4rem;
  background: var(--surface);
  border-bottom: 1px solid var(--line);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.trust-item {
  background: var(--surface-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 2.25rem 1.85rem;
  text-align: center;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.trust-item:hover {
  transform: translateY(-5px);
  border-color: var(--primary-500);
  background: var(--surface);
  box-shadow: var(--shadow-lg);
}

.trust-item .trust-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  box-shadow: var(--shadow-primary);
  transition: var(--transition-bounce);
}

.trust-item:hover .trust-icon {
  transform: scale(1.08) rotate(4deg);
}

.trust-item .trust-icon svg {
  width: 28px;
  height: 28px;
  fill: currentColor;
}

.trust-text strong {
  display: block;
  color: var(--primary-900);
  font-size: 1.12rem;
  margin-bottom: 0.5rem;
  font-family: var(--font-heading);
}

.trust-text p {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   7. METHOD CARDS
   ========================================================================== */
.why-section {
  padding: var(--section-space) 0;
  background: var(--canvas);
  border-bottom: 1px solid var(--line);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.why-card {
  background: var(--surface);
  padding: 2.75rem 2.25rem 2.25rem;
  border-radius: var(--radius-xl);
  border: 1px solid var(--line);
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.why-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 5px;
  transition: height 0.25s ease;
}

.why-card-primary::before {
  background: linear-gradient(90deg, var(--primary-600), var(--primary-500));
}

.why-card-secondary::before {
  background: linear-gradient(90deg, var(--secondary), var(--secondary-hover));
}

.why-card-accent::before {
  background: linear-gradient(90deg, var(--accent), var(--accent-hover));
}

.why-card-top-tag {
  position: absolute;
  top: 14px;
  right: 18px;
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-full);
  background: var(--canvas);
  color: var(--text-muted);
  border: 1px solid var(--line);
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-300);
}

.why-card:hover::before {
  height: 7px;
}

.why-card .why-icon {
  width: 68px;
  height: 68px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  transition: var(--transition-bounce);
}

.why-card-primary .why-icon {
  background: var(--primary-light);
  color: var(--primary-600);
  border: 1px solid var(--primary-300);
}

.why-card-secondary .why-icon {
  background: var(--secondary-light);
  color: var(--secondary);
  border: 1px solid var(--line-strong);
}

.why-card-accent .why-icon {
  background: var(--accent-light);
  color: var(--accent-hover);
  border: 1px solid var(--accent);
}

.why-card-primary:hover .why-icon {
  background: var(--primary-600);
  color: var(--on-dark);
  box-shadow: var(--shadow-primary);
}

.why-card-secondary:hover .why-icon {
  background: var(--secondary);
  color: var(--on-dark);
  box-shadow: var(--shadow-secondary);
}

.why-card-accent:hover .why-icon {
  background: var(--accent-hover);
  color: var(--on-dark);
  box-shadow: var(--shadow-accent);
}

.why-card .why-icon svg {
  width: 32px;
  height: 32px;
  fill: currentColor;
}

.why-card h3 {
  font-size: 1.22rem;
  color: var(--primary-900);
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.why-card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   8. POLICY SOURCE CHANNELS
   ========================================================================== */
.carriers-section {
  padding: var(--section-space) 0;
  background: var(--surface);
  border-bottom: 1px solid var(--line);
}

.carriers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 2.25rem;
}

.carrier-box {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.15rem 1.1rem;
  text-align: center;
  font-weight: 700;
  color: var(--primary-900);
  font-size: 0.92rem;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  box-shadow: var(--shadow-xs);
}

.carrier-dot {
  width: 8px;
  height: 8px;
  background-color: var(--primary-600);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
  transition: var(--transition-soft);
}

.carrier-box:hover {
  border-color: var(--accent);
  background: var(--accent-light);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  color: var(--accent-ink);
}

.carrier-box:hover .carrier-dot {
  background-color: var(--accent-hover);
  transform: scale(1.3);
}

.carriers-disclaimer {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.7;
  text-align: center;
  max-width: 960px;
  margin: 0 auto;
}

/* ==========================================================================
   9. THREE PASS PROCESS
   ========================================================================== */
.path-section {
  padding: var(--section-space) 0;
  background: var(--canvas);
  border-bottom: 1px solid var(--line);
}

.path-stepper-container {
  position: relative;
}

.path-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.25rem;
  position: relative;
  z-index: 1;
}

.path-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2rem 2.25rem;
  text-align: center;
  position: relative;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.path-card:hover {
  transform: translateY(-6px);
  border-color: var(--primary-500);
  box-shadow: var(--shadow-xl);
}

.path-step-badge {
  position: absolute;
  top: -18px;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.82rem;
  box-shadow: var(--shadow-primary);
  border: 3px solid var(--surface);
}

.path-icon {
  width: 64px;
  height: 64px;
  background: var(--primary-light);
  color: var(--primary-600);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  border: 1px solid var(--primary-300);
  transition: var(--transition-bounce);
}

.path-card:hover .path-icon {
  background: var(--primary-600);
  color: var(--on-dark);
  transform: scale(1.08) rotate(-4deg);
  box-shadow: var(--shadow-primary);
}

.path-icon svg {
  width: 30px;
  height: 30px;
  fill: currentColor;
}

.path-card h3 {
  font-size: 1.18rem;
  color: var(--primary-900);
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.path-card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   10. CLOSING CALL TO ACTION
   ========================================================================== */
.cta-banner-section {
  padding: 4.75rem 0;
  background: var(--surface);
}

.cta-banner-box {
  background: linear-gradient(135deg, var(--primary-950) 0%, var(--primary-700) 55%, var(--secondary-hover) 100%);
  border-radius: var(--radius-2xl);
  padding: 3.75rem 3.5rem;
  color: var(--on-dark);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.cta-banner-box::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle, var(--accent-ring) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.cta-banner-content {
  max-width: 640px;
  position: relative;
  z-index: 1;
}

.cta-micro-badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.12);
  color: var(--accent-on-dark);
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.22);
}

.cta-banner-content h2 {
  color: var(--on-dark);
  font-size: 2.2rem;
  line-height: 1.2;
  margin-bottom: 1rem;
  letter-spacing: -0.025em;
}

.cta-banner-content p {
  color: var(--on-dark-body);
  font-size: 1.05rem;
  line-height: 1.65;
}

.cta-banner-actions {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.btn-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.65rem;
  background: var(--accent-hover);
  color: var(--on-dark);
  padding: 1.05rem 2.4rem;
  border-radius: var(--radius-full);
  font-weight: 800;
  font-size: 1.1rem;
  box-shadow: var(--shadow-accent);
  transition: var(--transition);
  font-family: var(--font-body);
  text-decoration: none;
  border: 1px solid var(--accent);
}

.btn-cta:hover {
  background: var(--accent-light);
  color: var(--accent-ink);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.btn-cta:active {
  transform: translateY(0);
  box-shadow: var(--shadow-accent);
}

.btn-outline-light-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.1);
  color: var(--on-dark);
  border: 1px solid rgba(255, 255, 255, 0.28);
  padding: 0.85rem 2rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition);
  font-family: var(--font-body);
}

.btn-outline-light-cta:hover {
  background: rgba(255, 255, 255, 0.2);
  color: var(--on-dark);
  transform: translateY(-2px);
}

.btn-outline-light-cta:active {
  transform: translateY(0);
}

.cta-banner a:focus-visible,
.faq-cta a:focus-visible {
  outline-color: var(--focus-ring-dark);
}

/* ==========================================================================
   11. ABOUT PAGE
   ========================================================================== */
.about-hero {
  padding: 4.75rem 0;
  background: linear-gradient(180deg, var(--surface) 0%, var(--canvas) 100%);
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}

.about-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3.5rem;
  align-items: center;
}

.about-hero-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--accent-hover);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  background: var(--accent-light);
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-full);
  border: 1px solid var(--accent);
}

.about-hero-title {
  font-size: 2.8rem;
  color: var(--primary-900);
  margin-bottom: 1.25rem;
  line-height: 1.15;
}

.about-hero-description {
  font-size: 1.08rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}

.btn-hero-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 0.9rem 1.9rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1.02rem;
  box-shadow: var(--shadow-primary);
  transition: var(--transition);
  text-decoration: none;
  border: 1px solid var(--primary-800);
}

.btn-hero-phone:hover {
  background: var(--primary-700);
  color: var(--on-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-hero-phone:active {
  transform: translateY(0);
  box-shadow: var(--shadow-primary);
}

.about-hero-visual {
  position: relative;
}

.about-hero-img {
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  width: 100%;
  object-fit: cover;
  aspect-ratio: 4/3;
  border: 4px solid var(--surface);
}

.about-hero-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--surface);
  color: var(--primary-900);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  gap: 0.85rem;
  border: 1px solid var(--line);
}

.about-hero-badge-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.about-hero-badge-icon svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

.about-hero-badge strong {
  display: block;
  font-size: 1.02rem;
  font-family: var(--font-heading);
  margin-bottom: 0.15rem;
}

.about-hero-badge span {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.about-stats-ribbon {
  padding: 3rem 0;
  background: linear-gradient(135deg, var(--primary-950) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
}

.about-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
  text-align: center;
}

.about-stat-card {
  padding: 1rem;
}

.about-stat-number {
  font-size: 2.7rem;
  font-weight: 800;
  font-family: var(--font-heading);
  color: var(--accent-on-dark);
  line-height: 1.1;
  margin-bottom: 0.35rem;
}

.about-stat-label {
  font-size: 0.92rem;
  color: var(--on-dark-body);
  font-weight: 600;
  line-height: 1.5;
}

.about-why {
  padding: var(--section-space) 0;
  background: var(--canvas);
  border-bottom: 1px solid var(--line);
}

.about-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.about-why-card {
  background: var(--surface);
  padding: 2.75rem 2rem;
  border-radius: var(--radius-xl);
  border: 1px solid var(--line);
  text-align: center;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.about-why-card:hover {
  border-color: var(--primary-500);
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
}

.about-why-icon {
  width: 64px;
  height: 64px;
  background: var(--primary-light);
  color: var(--primary-600);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  border: 1px solid var(--primary-300);
  transition: var(--transition-bounce);
}

.about-why-card:hover .about-why-icon {
  background: var(--primary-600);
  color: var(--on-dark);
  transform: scale(1.08) rotate(4deg);
}

.about-why-icon svg {
  width: 30px;
  height: 30px;
  fill: currentColor;
}

.about-why-card h3 {
  font-size: 1.18rem;
  color: var(--primary-900);
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.about-why-card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.65;
}

.about-coverage {
  padding: var(--section-space) 0;
  background: var(--surface);
  border-bottom: 1px solid var(--line);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.4rem;
}

.coverage-card {
  background: var(--surface-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.85rem 1.6rem;
  text-align: center;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.coverage-card:hover {
  border-color: var(--accent);
  background: var(--surface);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.coverage-icon {
  width: 54px;
  height: 54px;
  background: var(--primary-light);
  color: var(--primary-600);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.1rem;
  border: 1px solid var(--primary-300);
  transition: var(--transition-bounce);
}

.coverage-card:hover .coverage-icon {
  background: var(--primary-600);
  color: var(--on-dark);
  transform: scale(1.08);
}

.coverage-icon svg {
  width: 26px;
  height: 26px;
  fill: currentColor;
}

.coverage-card strong {
  font-size: 1.05rem;
  font-family: var(--font-heading);
  color: var(--primary-900);
  margin-bottom: 0.4rem;
  display: block;
}

.coverage-card span {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.coverage-records {
  display: block;
  margin-top: 0.9rem;
  padding-top: 0.9rem;
  border-top: 1px dashed var(--line-strong);
  font-size: 0.82rem;
  color: var(--text-body);
  text-align: left;
}

.coverage-records em {
  display: block;
  font-style: normal;
  font-weight: 700;
  color: var(--accent-ink);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 0.3rem;
}

.about-contact {
  padding: var(--section-space) 0;
  background: var(--canvas);
  border-bottom: 1px solid var(--line);
}

.about-contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3.5rem;
  align-items: start;
}

.contact-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-row {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  background: var(--surface);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-xs);
  transition: var(--transition);
}

.contact-row:hover {
  border-color: var(--primary-500);
  transform: translateX(4px);
  box-shadow: var(--shadow-sm);
}

.contact-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-light);
  color: var(--primary-600);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 1px solid var(--primary-300);
}

.contact-icon svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

.contact-row strong {
  display: block;
  color: var(--primary-900);
  font-size: 1rem;
  margin-bottom: 0.25rem;
  font-family: var(--font-heading);
}

.contact-row a,
.contact-row span {
  display: block;
  color: var(--text-body);
  font-size: 0.94rem;
  text-decoration: none;
  line-height: 1.55;
}

.contact-row a {
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.contact-row a:hover {
  color: var(--primary-600);
}

.licensing-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.25rem;
  box-shadow: var(--shadow-md);
  position: relative;
}

.licensing-card h3 {
  font-size: 1.45rem;
  color: var(--primary-900);
  margin: 0.9rem 0 1rem;
  font-family: var(--font-heading);
}

.licensing-card p {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}

/* ==========================================================================
   12. CONTACT PAGE
   ========================================================================== */
.contact-layout {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3.25rem;
  align-items: start;
}

.contact-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  box-shadow: var(--shadow-lg);
}

.form-header {
  margin-bottom: 1.75rem;
}

.form-header h2 {
  font-size: 1.7rem;
  color: var(--primary-900);
  margin-bottom: 0.5rem;
}

.form-header p {
  color: var(--text-muted);
  font-size: 0.97rem;
  line-height: 1.65;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-group {
  margin-bottom: 1.35rem;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary-900);
  margin-bottom: 0.45rem;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1.15rem;
  font-size: 0.95rem;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-md);
  background-color: var(--surface);
  color: var(--text-heading);
  transition: var(--transition-soft);
  font-family: var(--font-body);
  line-height: 1.5;
}

.form-control::placeholder {
  color: var(--text-placeholder);
}

.form-control:hover {
  border-color: var(--secondary);
}

.form-control:focus {
  outline: none;
  border-color: var(--primary-600);
  box-shadow: 0 0 0 3px var(--primary-ring);
}

.form-control:focus-visible {
  outline: 3px solid var(--focus-ring);
  outline-offset: 1px;
}

.form-control.is-invalid {
  border-color: var(--primary-700);
  background-color: var(--primary-light);
}

.form-control.is-invalid:focus {
  box-shadow: 0 0 0 3px var(--primary-ring);
}

.form-select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 2.85rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%232F3437'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.95rem center;
  background-size: 20px 20px;
  cursor: pointer;
}

.form-select:invalid {
  color: var(--text-placeholder);
}

.field-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-top: 0.4rem;
}

.field-error {
  display: flex;
  align-items: flex-start;
  gap: 0.4rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--primary-700);
  line-height: 1.5;
  margin-top: 0.4rem;
}

.field-error[hidden] {
  display: none;
}

.field-error::before {
  content: '!';
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 15px;
  height: 15px;
  margin-top: 2px;
  border-radius: 50%;
  background: var(--primary-600);
  color: var(--on-dark);
  font-size: 0.65rem;
  font-weight: 800;
  flex-shrink: 0;
}

.form-group--check {
  padding: 1.1rem 1.25rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface-alt);
  transition: var(--transition-soft);
}

.form-group--check:hover {
  border-color: var(--line-strong);
}

.check-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0 !important;
  font-weight: 500 !important;
  color: var(--text-body) !important;
  font-size: 0.88rem !important;
  line-height: 1.6;
  cursor: pointer;
}

.form-check {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  margin: 1px 0 0;
  border: 2px solid var(--line-strong);
  border-radius: 5px;
  background: var(--surface);
  cursor: pointer;
  flex-shrink: 0;
  position: relative;
  transition: var(--transition-soft);
}

.form-check:hover {
  border-color: var(--primary-600);
}

.form-check:checked {
  background: var(--primary-600);
  border-color: var(--primary-600);
}

.form-check:checked::after {
  content: '';
  position: absolute;
  top: 1px;
  left: 5px;
  width: 5px;
  height: 10px;
  border: solid var(--on-dark);
  border-width: 0 2.5px 2.5px 0;
  transform: rotate(45deg);
}

.form-check.is-invalid {
  border-color: var(--primary-700);
  background-color: var(--primary-light);
}

textarea.form-control {
  resize: vertical;
  min-height: 118px;
}

.disclaimer-box {
  background: var(--canvas);
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-top: 1.5rem;
}

.disclaimer-box a {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.contact-info-panel {
  background: linear-gradient(135deg, var(--primary-950) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  border-radius: var(--radius-xl);
  padding: 2.75rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--primary-700);
}

.contact-info-panel h3 {
  color: var(--on-dark);
  font-size: 1.55rem;
  margin-bottom: 0.85rem;
}

.contact-info-panel > p {
  color: var(--on-dark-body);
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 1.75rem;
}

.contact-details-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.4rem;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact-detail-icon {
  width: 44px;
  height: 44px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 1px solid rgba(255, 255, 255, 0.18);
}

.contact-detail-icon svg {
  width: 22px;
  height: 22px;
  fill: var(--accent);
}

.contact-detail-text strong {
  display: block;
  color: var(--on-dark);
  font-size: 0.95rem;
  margin-bottom: 0.2rem;
}

.contact-detail-text a,
.contact-detail-text span {
  color: var(--on-dark-body);
  font-size: 0.92rem;
  line-height: 1.5;
}

.contact-detail-text a {
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.contact-detail-text a:hover {
  color: var(--accent-on-dark);
}

.contact-info-panel a:focus-visible {
  outline-color: var(--focus-ring-dark);
}

.panel-note {
  margin-top: 2.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.panel-note p {
  font-size: 0.85rem;
  line-height: 1.65;
  color: var(--on-dark-muted);
}

.panel-note strong {
  color: var(--on-dark);
}

.alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  margin-bottom: 1.5rem;
  font-size: 0.92rem;
  line-height: 1.6;
}

.alert ul {
  margin: 0.5rem 0 0 1.1rem;
  list-style: disc;
}

.alert li {
  margin-bottom: 0.4rem;
}

.alert-success {
  background-color: var(--accent-light);
  border: 1px solid var(--accent);
  border-left-width: 4px;
  color: var(--accent-ink);
}

.alert-error {
  background-color: var(--primary-light);
  border: 1px solid var(--primary-300);
  border-left: 4px solid var(--primary-600);
  color: var(--primary-800);
}

/* ==========================================================================
   13. FAQ AND LEGAL PAGES
   ========================================================================== */
.faq-list {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
}

.faq-item {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.9rem;
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
}

.faq-item:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.faq-item h2 {
  font-size: 1.18rem;
  color: var(--primary-900);
  margin-bottom: 0.7rem;
  font-family: var(--font-heading);
}

.faq-item p {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.75;
}

.faq-cta {
  max-width: 900px;
  margin: 3.25rem auto 0;
  text-align: center;
  background: linear-gradient(135deg, var(--primary-950) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 3.25rem 2.5rem;
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-xl);
}

.faq-cta h2 {
  color: var(--on-dark);
  font-size: 1.8rem;
  margin-bottom: 0.85rem;
}

.faq-cta p {
  color: var(--on-dark-body);
  max-width: 56ch;
  margin: 0 auto 1.75rem;
  line-height: 1.7;
}

.legal-page-header {
  background: linear-gradient(135deg, var(--primary-950) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  padding: 4.25rem 0 3.5rem;
  text-align: center;
}

.legal-page-header h1 {
  color: var(--on-dark);
  font-size: 2.6rem;
  margin-bottom: 0.75rem;
}

.legal-page-header p {
  color: var(--on-dark-body);
  font-size: 0.95rem;
  line-height: 1.65;
  max-width: 70ch;
  margin-inline: auto;
}

.legal-content {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 3.5rem;
  box-shadow: var(--shadow-md);
  margin-top: -2rem;
  margin-bottom: 4rem;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}

.legal-content h2 {
  font-size: 1.5rem;
  color: var(--primary-900);
  margin-top: 2.25rem;
  margin-bottom: 1rem;
  padding-bottom: 0.6rem;
  border-bottom: 1px solid var(--line);
}

.legal-content h2:first-of-type {
  margin-top: 1.5rem;
}

.legal-content p {
  font-size: 0.97rem;
  line-height: 1.8;
  color: var(--text-body);
  margin-bottom: 1.25rem;
}

.legal-content ul,
.legal-content ol {
  margin: 0 0 1.5rem 1.4rem;
}

.legal-content ul {
  list-style: disc;
}

.legal-content ol {
  list-style: decimal;
}

.legal-content li {
  margin-bottom: 0.6rem;
  font-size: 0.97rem;
  line-height: 1.7;
  color: var(--text-body);
}

.legal-content a {
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 600;
}

.page-actions {
  margin-top: 2.5rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--line);
}

/* ==========================================================================
   14. FOOTER
   ========================================================================== */
.footer {
  background: linear-gradient(180deg, var(--primary-900) 0%, var(--secondary-hover) 100%);
  color: var(--on-dark-body);
  padding: 4.25rem 0 2rem;
  margin-top: auto;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 2.75rem;
  margin-bottom: 3.25rem;
}

.brand-logo--footer .brand-logo-top {
  color: var(--on-dark);
}

.brand-logo--footer .brand-logo-bottom {
  color: var(--accent-on-dark);
}

.brand-logo--footer:hover .brand-logo-top,
.brand-logo--footer:hover .brand-logo-bottom {
  color: inherit;
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--on-dark-muted);
  margin-top: 1rem;
}

.footer-heading {
  color: var(--on-dark);
  font-size: 1rem;
  margin-bottom: 1.25rem;
  font-family: var(--font-heading);
  letter-spacing: 0.01em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.footer-links a {
  color: var(--on-dark-body);
  font-size: 0.89rem;
  text-decoration: none;
  display: inline-block;
  transition: var(--transition-soft);
}

.footer-links a:hover {
  color: var(--accent-on-dark);
  text-decoration: underline;
  text-underline-offset: 4px;
  transform: translateX(3px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.89rem;
  color: var(--on-dark-body);
  margin-bottom: 0.85rem;
  line-height: 1.55;
}

.footer-contact-item svg {
  width: 18px;
  height: 18px;
  fill: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-contact-item a {
  color: var(--on-dark-body);
  text-decoration: none;
  font-weight: 600;
}

.footer-contact-item a:hover {
  color: var(--accent-on-dark);
  text-decoration: underline;
  text-underline-offset: 4px;
}

.footer a:focus-visible {
  outline-color: var(--focus-ring-dark);
}

.footer-disclaimer-text {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.6rem 0;
  font-size: 0.78rem;
  color: var(--on-dark-muted);
  line-height: 1.7;
}

.footer-disclaimer-text strong {
  color: var(--on-dark-body);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.6rem;
  font-size: 0.82rem;
  color: var(--on-dark-muted);
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

/* ==========================================================================
   15. PROMOTIONAL REMINDER DIALOG
   ========================================================================== */
.promo-modal {
  position: fixed;
  inset: 0;
  background: rgba(36, 7, 15, 0.62);
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  animation: promoFade 0.22s ease;
}

.promo-modal[hidden] {
  display: none;
}

@keyframes promoFade {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

.promo-modal__dialog {
  background: var(--surface);
  border-radius: var(--radius-xl);
  max-width: 480px;
  width: 100%;
  padding: 2.5rem 2rem 1.75rem;
  position: relative;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-xl);
  animation: promoRise 0.26s cubic-bezier(0.4, 0, 0.2, 1);
}

.promo-modal__dialog:focus-visible {
  outline: 3px solid var(--focus-ring);
  outline-offset: 3px;
}

@keyframes promoRise {
  from {
    opacity: 0;
    transform: translateY(14px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.promo-modal__close {
  position: absolute;
  top: 0.85rem;
  right: 0.85rem;
  background: var(--canvas);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  width: 38px;
  height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--secondary);
  transition: var(--transition-soft);
}

.promo-modal__close:hover {
  background: var(--primary-light);
  border-color: var(--primary-300);
  color: var(--primary-700);
}

.promo-modal__close svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

.promo-modal__eyebrow {
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-ink);
  background: var(--accent-light);
  border: 1px solid var(--accent);
  display: inline-block;
  padding: 0.25rem 0.7rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.9rem;
}

.promo-modal__title {
  font-size: 1.4rem;
  color: var(--primary-900);
  line-height: 1.3;
  margin-bottom: 0.75rem;
  padding-right: 1.5rem;
}

.promo-modal__body {
  color: var(--text-body);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.promo-modal__call {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
  color: var(--on-dark);
  text-decoration: none;
  padding: 0.9rem 1.5rem;
  border-radius: var(--radius-full);
  font-size: 1.05rem;
  font-weight: 700;
  border: 1px solid var(--primary-800);
  box-shadow: var(--shadow-primary);
  transition: var(--transition);
}

.promo-modal__call:hover {
  background: var(--primary-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.promo-modal__call svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  fill: currentColor;
}

.promo-modal__alt {
  display: block;
  text-align: center;
  margin-top: 1rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--primary-600);
  text-decoration: underline;
  text-underline-offset: 4px;
}

.promo-modal__alt:hover {
  color: var(--accent-hover);
}

.promo-modal__note {
  margin-top: 1.25rem;
  font-size: 0.76rem;
  color: var(--text-muted);
  text-align: center;
  line-height: 1.6;
}

/* ==========================================================================
   16. RESPONSIVE BREAKPOINTS
   ========================================================================== */
@media (max-width: 1100px) {
  .nav-link {
    font-size: 0.85rem;
    padding: 0.5rem 0.6rem;
  }

  .coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 1024px) {
  .hero-new-grid,
  .about-hero-grid,
  .contact-layout,
  .about-contact-grid {
    grid-template-columns: 1fr;
    gap: 2.75rem;
  }

  .cta-banner-box {
    flex-direction: column;
    text-align: center;
    padding: 3rem 2rem;
  }

  .cta-banner-actions {
    width: 100%;
  }

  .why-grid,
  .path-grid,
  .trust-grid,
  .about-why-grid,
  .carriers-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 900px) {
  .nav-menu {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background-color: var(--surface);
    flex-direction: column;
    padding: 1.25rem;
    box-shadow: var(--shadow-xl);
    border-bottom: 1px solid var(--line);
    gap: 0.25rem;
    z-index: 1001;
  }

  .nav-menu.is-open {
    display: flex;
  }

  .nav-link {
    width: 100%;
    text-align: left;
    padding: 0.75rem 1rem;
  }

  .mobile-toggle {
    display: block;
  }

  .navbar {
    height: 72px;
  }

  .get-quote-btn {
    display: none;
  }

  .phone-bar-inner {
    flex-direction: column;
    gap: 0.45rem;
    text-align: center;
  }

  .phone-bar-right {
    font-size: 0.78rem;
    text-align: center;
    flex-wrap: wrap;
    justify-content: center;
  }
}

@media (max-width: 768px) {
  .section-padding,
  .why-section,
  .path-section,
  .about-why,
  .about-coverage,
  .about-contact,
  .carriers-section,
  .about-hero {
    padding: 3.5rem 0;
  }

  .section-title,
  .cta-banner-content h2,
  .about-hero-title,
  .legal-page-header h1,
  .faq-cta h2 {
    font-size: 1.95rem;
  }

  .hero-new {
    padding: 3rem 0 3.5rem;
  }

  .hero-new-title {
    font-size: 2.15rem;
  }

  .hero-new-description {
    font-size: 1.05rem;
  }

  .trust-grid,
  .why-grid,
  .path-grid,
  .about-why-grid,
  .carriers-grid,
  .coverage-grid,
  .about-stats-grid {
    grid-template-columns: 1fr;
  }

  .why-card-top-tag {
    display: none;
  }

  .quote-options {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .contact-card,
  .contact-info-panel,
  .legal-content {
    padding: 1.75rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .about-hero-badge {
    position: static;
    margin-top: 1.5rem;
  }

  .promo-modal__dialog {
    padding: 2rem 1.35rem 1.5rem;
  }

  .promo-modal__title {
    font-size: 1.2rem;
  }
}

@media (max-width: 480px) {
  .hero-new-title {
    font-size: 1.8rem;
  }

  .quote-form {
    padding: 1.35rem;
  }

  .btn-call {
    width: 100%;
    justify-content: center;
  }

  .about-stat-number {
    font-size: 2.2rem;
  }
}

/* ==========================================================================
   17. REDUCED MOTION
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    transition-delay: 0ms !important;
    scroll-behavior: auto !important;
  }

  .live-agent-pulse {
    animation: none;
  }

  .promo-modal,
  .promo-modal__dialog {
    animation: none;
  }

  .hero-new-card:hover,
  .trust-item:hover,
  .why-card:hover,
  .path-card:hover,
  .coverage-card:hover,
  .carrier-box:hover,
  .contact-row:hover,
  .btn-call:hover,
  .btn-cta:hover {
    transform: none;
  }
}