/* ==================== TOKENS ==================== */
:root {
  --bg: #faf7f2;
  --bg-soft: #f3ede2;
  --bg-tinted: #f6f1e7;
  --surface: #ffffff;
  --ink: #1a2332;
  --ink-2: #3d4a5c;
  --ink-3: #6b7785;
  --line: #e7e0d2;
  --line-soft: #efe9dc;

  --accent: #4a7c59;       /* sage green */
  --accent-2: #2d5a3f;
  --accent-soft: #e3ede4;
  --gold: #b8935a;
  --warn: #c25450;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;

  --shadow-sm: 0 1px 2px rgba(26, 35, 50, 0.04), 0 1px 3px rgba(26, 35, 50, 0.06);
  --shadow: 0 4px 12px rgba(26, 35, 50, 0.06), 0 12px 32px rgba(26, 35, 50, 0.08);
  --shadow-lg: 0 16px 40px rgba(26, 35, 50, 0.12), 0 4px 12px rgba(26, 35, 50, 0.06);

  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;

  --container: 1200px;
  --container-pad: 24px;
}

/* ==================== RESET ==================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { max-width: 100%; display: block; }
button { font: inherit; cursor: pointer; }
ul, ol { padding: 0; margin: 0; list-style: none; }
a { color: inherit; text-decoration: none; transition: color 0.2s ease; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin: 0;
}
h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(1.875rem, 3.5vw, 2.75rem); }
h3 { font-size: 1.375rem; font-weight: 600; }
h4 { font-size: 0.95rem; font-weight: 600; letter-spacing: 0.02em; text-transform: uppercase; color: var(--ink-2); }
p  { margin: 0 0 1em; color: var(--ink-2); }

/* ==================== UTILITIES ==================== */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--container-pad);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: white;
  padding: 12px 16px;
  z-index: 9999;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-2);
  background: var(--accent-soft);
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.eyebrow-light {
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.85);
}

.accent { color: var(--accent-2); font-style: italic; font-weight: 400; }
.accent-light { color: var(--gold); font-style: italic; font-weight: 400; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 1.5px solid transparent;
  transition: all 0.2s ease;
  white-space: nowrap;
  cursor: pointer;
}
.btn-primary {
  background: var(--ink);
  color: white;
  border-color: var(--ink);
}
.btn-primary:hover {
  background: var(--accent-2);
  border-color: var(--accent-2);
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--ink); }
.btn-lg { padding: 16px 28px; font-size: 1rem; }
.btn-block { width: 100%; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  color: var(--accent-2);
  border-bottom: 1.5px solid transparent;
  padding-bottom: 2px;
  transition: gap 0.2s ease, border-color 0.2s ease;
}
.link-arrow:hover { gap: 12px; border-color: var(--accent-2); }

/* ==================== HEADER ==================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 247, 242, 0.85);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease, background 0.3s ease;
}
.site-header.is-scrolled {
  border-bottom-color: var(--line-soft);
  background: rgba(250, 247, 242, 0.92);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px var(--container-pad);
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.2rem;
  color: var(--ink);
}
.brand-mark {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  background: var(--ink);
  color: var(--bg);
  border-radius: 10px;
}
.brand-mark svg { width: 18px; height: 18px; }
.brand-name span { color: var(--accent-2); font-style: italic; font-weight: 500; }
.brand-img { gap: 0; }
.brand-img img { display: block; height: 64px; width: auto; }
.footer-brand .brand-img img { height: 80px; }

.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
}
.primary-nav a {
  display: inline-block;
  padding: 8px 14px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink-2);
  border-radius: 999px;
  transition: background 0.2s, color 0.2s;
}
.primary-nav a:hover { color: var(--ink); background: var(--bg-soft); }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle {
  display: none;
  width: 40px;
  height: 40px;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 4px;
}
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--ink); border-radius: 2px; }

.mobile-menu { display: none; padding: 16px var(--container-pad) 24px; flex-direction: column; gap: 8px; border-top: 1px solid var(--line-soft); }
.mobile-menu a { padding: 12px 14px; border-radius: 10px; font-weight: 500; }
.mobile-menu a:hover { background: var(--bg-soft); }

/* ==================== HERO ==================== */
.hero {
  padding: 80px 0 0;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 85% 15%, rgba(74, 124, 89, 0.08), transparent 40%),
    radial-gradient(circle at 10% 60%, rgba(184, 147, 90, 0.06), transparent 40%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 80px;
  align-items: center;
  padding-bottom: 100px;
  position: relative;
}
.hero h1 { margin-bottom: 24px; }
.lede { font-size: 1.15rem; line-height: 1.6; color: var(--ink-2); margin-bottom: 36px; max-width: 540px; }
.lede-light { font-size: 1.15rem; line-height: 1.6; color: rgba(255,255,255,0.78); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 56px; }
.hero-trust {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}
.hero-trust strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 4px;
}
.hero-trust span { font-size: 0.85rem; color: var(--ink-3); }

/* Hero visual */
.hero-visual {
  position: relative;
  aspect-ratio: 1 / 1.05;
  max-width: 480px;
  justify-self: center;
  width: 100%;
}
.hero-card {
  position: absolute;
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line-soft);
}
.hero-card-main {
  inset: 0 0 0 0;
  width: 88%;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.hc-header {
  padding: 28px 28px 20px;
  background: linear-gradient(135deg, var(--accent-2) 0%, var(--accent) 100%);
  color: white;
}
.hc-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  background: rgba(255,255,255,0.18);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}
.hc-header h3 { color: white; font-size: 1.35rem; margin-bottom: 4px; }
.hc-header p { color: rgba(255,255,255,0.78); font-size: 0.85rem; margin: 0; }

.hc-body { padding: 18px 26px 24px; }
.hc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.92rem;
  gap: 12px;
}
.hc-row:last-child { border-bottom: 0; }
.hc-row span { color: var(--ink-3); }
.hc-row strong { font-family: var(--font-display); font-size: 1.05rem; color: var(--ink); font-weight: 600; }

.hero-card-pulse {
  top: 6%;
  right: -4%;
  padding: 12px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
}
.hero-card-pulse .dot {
  width: 8px;
  height: 8px;
  background: var(--accent);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(74, 124, 89, 0.6);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(74, 124, 89, 0.6); }
  70% { box-shadow: 0 0 0 12px rgba(74, 124, 89, 0); }
  100% { box-shadow: 0 0 0 0 rgba(74, 124, 89, 0); }
}

.carrier-strip {
  border-top: 1px solid var(--line-soft);
  padding: 36px 0 40px;
  background: var(--bg-soft);
}
.carrier-label {
  text-align: center;
  margin: 0 0 24px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.marquee {
  overflow: hidden;
  position: relative;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}
.marquee-track {
  display: flex;
  align-items: center;
  gap: 56px;
  width: max-content;
  animation: marquee 48s linear infinite;
}
.marquee-track .carrier-logo {
  display: inline-block;
  height: 36px;
  width: 160px;
  flex-shrink: 0;
  background-color: var(--ink-3);
  -webkit-mask-image: var(--logo);
          mask-image: var(--logo);
  -webkit-mask-size: contain;
          mask-size: contain;
  -webkit-mask-repeat: no-repeat;
          mask-repeat: no-repeat;
  -webkit-mask-position: center;
          mask-position: center;
  opacity: 0.65;
  transition: opacity 0.25s ease, background-color 0.25s ease;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track .carrier-logo:hover { opacity: 0.95; background-color: var(--ink-2); }

@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ==================== SECTIONS ==================== */
.section { padding: 100px 0; }
.section-tinted { background: var(--bg-soft); }
.section-dark {
  background: linear-gradient(135deg, #1a2332 0%, #2a3a4f 100%);
  color: white;
}
.section-dark h2, .section-dark h3 { color: white; }
.section-dark p { color: rgba(255,255,255,0.78); }

.section-head {
  max-width: 680px;
  margin: 0 auto 64px;
  text-align: center;
}
.section-head p { font-size: 1.1rem; margin-top: 16px; }
.section-head-left { margin-left: 0; text-align: left; }

.two-col {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: start;
}
.two-col-stack {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.two-col h2 { margin-bottom: 24px; }

.info-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}
.info-card h3 { margin-bottom: 20px; }
.kv { margin: 0; }
.kv > div {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid var(--line-soft);
  gap: 16px;
}
.kv > div:last-child { border-bottom: 0; }
.kv dt { color: var(--ink-3); font-size: 0.92rem; }
.kv dd { margin: 0; font-weight: 600; color: var(--ink); }
.footnote { font-size: 0.78rem; color: var(--ink-3); margin-top: 16px; margin-bottom: 0; }

/* Compare card (Whole Life vs Term Life) */
.two-col-compare { grid-template-columns: 1fr 1.15fr; }
.lede-strong {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--ink);
  margin: -8px 0 18px;
}
.compare-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  box-shadow: var(--shadow-sm);
}
.compare-head,
.compare-row {
  display: grid;
  grid-template-columns: 1.05fr 1fr 1fr;
  gap: 18px;
  align-items: center;
}
.compare-head {
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 4px;
}
.compare-col {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
}
.compare-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 999px;
  flex-shrink: 0;
}
.compare-icon svg { width: 14px; height: 14px; }
.compare-icon-yes { background: var(--accent-soft); color: var(--accent-2); }
.compare-icon-no  { background: #f4e3e3; color: #b5453f; }
.compare-rows { margin: 0; }
.compare-row {
  padding: 14px 0;
  border-bottom: 1px solid var(--line-soft);
}
.compare-row:last-child { border-bottom: 0; }
.compare-row dt {
  color: var(--ink-3);
  font-size: 0.85rem;
  font-weight: 500;
}
.compare-row dd {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.4;
}
.compare-row dd.yes { color: var(--ink);   font-weight: 600; }
.compare-row dd.no  { color: var(--ink-3); }

/* ==================== FEATURES ==================== */
.features {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.feature {
  background: var(--surface);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.feature:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: var(--accent-soft);
}
.feature-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--accent-soft);
  color: var(--accent-2);
  display: grid;
  place-items: center;
  margin-bottom: 20px;
}
.feature-icon svg { width: 22px; height: 22px; }
.feature h3 { margin-bottom: 10px; font-size: 1.15rem; }
.feature p { font-size: 0.95rem; margin: 0; }

/* ==================== COVERAGE ==================== */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
.coverage-card {
  background: var(--surface);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  padding: 32px;
  position: relative;
  transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s;
}
.coverage-card:hover {
  transform: translateY(-3px);
  border-color: var(--ink);
  box-shadow: var(--shadow);
}
.coverage-num {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--accent-2);
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}
.coverage-card h3 { margin-bottom: 10px; }
.coverage-card p { font-size: 0.95rem; }
.cost-band {
  display: inline-block;
  margin-top: 8px;
  padding: 6px 12px;
  background: var(--bg-soft);
  border-radius: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--ink-2);
}
.coverage-card-cta {
  background: var(--ink);
  color: white;
  border-color: var(--ink);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.coverage-card-cta h3 { color: white; }
.coverage-card-cta p { color: rgba(255,255,255,0.78); margin-bottom: 18px; }
.coverage-card-cta .btn { align-self: flex-start; background: var(--gold); border-color: var(--gold); }
.coverage-card-cta .btn:hover { background: white; color: var(--ink); border-color: white; }
.coverage-card-cta:hover { transform: translateY(-3px); border-color: var(--ink); }

/* ==================== ELIGIBILITY ==================== */
.eligibility-list { display: flex; flex-direction: column; gap: 20px; }
.eligibility-list li {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 22px 24px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  transition: background 0.2s, border-color 0.2s;
}
.eligibility-list li:hover {
  background: rgba(255,255,255,0.06);
  border-color: rgba(184, 147, 90, 0.3);
}
.eligibility-list .check {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: var(--gold);
  color: var(--ink);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.95rem;
}
.eligibility-list strong { display: block; font-size: 1.05rem; color: white; margin-bottom: 4px; }
.eligibility-list p { margin: 0; font-size: 0.92rem; color: rgba(255,255,255,0.7); }

/* ==================== STEPS ==================== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  counter-reset: step;
  position: relative;
}
.steps li {
  background: var(--surface);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius);
  padding: 36px 32px;
  position: relative;
  transition: transform 0.2s, box-shadow 0.2s;
}
.steps li:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.step-num {
  display: inline-grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent-2);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.2rem;
  margin-bottom: 20px;
}
.steps h3 { margin-bottom: 10px; }
.steps p { margin: 0; font-size: 0.95rem; }

/* ==================== FAQ ==================== */
.faq-wrap {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 64px;
  align-items: start;
}
.faq { display: flex; flex-direction: column; gap: 12px; }
.faq details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 4px 8px;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.faq details[open] { border-color: var(--accent); box-shadow: var(--shadow-sm); }
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 16px;
  font-weight: 600;
  font-size: 1rem;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  width: 28px;
  height: 28px;
  background: var(--bg-soft);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--ink-2);
  flex-shrink: 0;
  transition: transform 0.25s ease, background 0.25s ease;
}
.faq details[open] summary::after {
  transform: rotate(45deg);
  background: var(--accent);
  color: white;
}
.faq details p {
  padding: 0 16px 18px;
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.65;
}

/* ==================== CTA ==================== */
.cta-section { padding-top: 40px; padding-bottom: 100px; }
.cta-card {
  background: linear-gradient(135deg, #1a2332 0%, #2a3a4f 100%);
  color: white;
  border-radius: var(--radius-xl);
  padding: 64px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.cta-card::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(184, 147, 90, 0.15), transparent 60%);
  pointer-events: none;
}
.cta-copy { position: relative; }
.cta-copy h2 { color: white; margin-bottom: 16px; }
.cta-copy p { color: rgba(255,255,255,0.78); font-size: 1.05rem; margin-bottom: 28px; }
.cta-bullets { display: flex; flex-direction: column; gap: 12px; }
.cta-bullets li {
  position: relative;
  padding-left: 28px;
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  font-size: 0.95rem;
}
.cta-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: -2px;
  width: 20px;
  height: 20px;
  background: var(--gold);
  color: var(--ink);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.7rem;
  font-weight: 700;
}
.cta-card .eyebrow { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.85); }

/* Form */
.quote-form {
  background: var(--surface);
  color: var(--ink);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: relative;
  box-shadow: var(--shadow-lg);
}
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label { font-size: 0.85rem; font-weight: 600; color: var(--ink-2); }
.field input, .field select {
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  font: inherit;
  font-size: 0.95rem;
  background: white;
  color: var(--ink);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.field input:invalid:not(:placeholder-shown) { border-color: var(--warn); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field-row .field { margin-bottom: 16px; }
.form-note { font-size: 0.78rem; color: var(--ink-3); margin: 12px 0 0; text-align: center; }
.form-success {
  margin-top: 18px;
  padding: 16px;
  border-radius: 10px;
  background: var(--accent-soft);
  text-align: center;
}
.form-success strong { color: var(--accent-2); display: block; margin-bottom: 4px; }
.form-success p { margin: 0; font-size: 0.9rem; color: var(--ink-2); }

/* ==================== LEGAL PAGE ==================== */
.legal { padding: 80px 0 100px; }
.legal-wrap { max-width: 780px; }
.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink-3);
  margin-bottom: 32px;
  transition: color 0.2s, gap 0.2s;
}
.legal-back:hover { color: var(--ink); gap: 10px; }
.legal-head { margin-bottom: 48px; padding-bottom: 32px; border-bottom: 1px solid var(--line); }
.legal-head h1 { font-size: clamp(2rem, 4vw, 3rem); margin: 16px 0 12px; }
.legal-meta { font-size: 0.95rem; color: var(--ink-3); margin: 0; }
.legal-body h2 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 600;
  margin: 40px 0 12px;
  color: var(--ink);
  scroll-margin-top: 100px;
}
.legal-body p, .legal-body ul { font-size: 1rem; line-height: 1.75; color: var(--ink-2); margin: 0 0 16px; }
.legal-body ul { padding-left: 24px; list-style: disc; }
.legal-body ul li { margin-bottom: 8px; }
.legal-body a { color: var(--accent-2); border-bottom: 1px solid currentColor; padding-bottom: 1px; }
.legal-body a:hover { color: var(--ink); }
.legal-body strong { color: var(--ink); font-weight: 600; }

/* ==================== FOOTER ==================== */
.site-footer {
  background: var(--gold);
  color: var(--ink);
  padding: 80px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(26,35,50,0.18);
}
.footer-brand .brand { color: var(--ink); margin-bottom: 16px; }
.footer-brand p { color: var(--ink); font-size: 0.92rem; max-width: 260px; }
.site-footer h4 { color: var(--ink); margin-bottom: 18px; font-size: 0.85rem; }
.site-footer ul { display: flex; flex-direction: column; gap: 10px; }
.site-footer a { color: var(--ink); font-size: 0.92rem; }
.site-footer a:hover { color: var(--ink); text-decoration: underline; }
.site-footer .contact a { font-weight: 500; color: var(--ink); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { margin: 0; font-size: 0.82rem; color: var(--ink); }
.footer-bottom ul { flex-direction: row; gap: 24px; }
.footer-bottom a { font-size: 0.82rem; color: var(--ink); }

/* ==================== LANDER ==================== */
.notice-bar {
  background: var(--ink);
  color: white;
}
.notice-bar-inner {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 10px;
  padding-bottom: 10px;
}
.notice-bar p {
  margin: 0;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.92);
  line-height: 1.4;
}
.notice-bar strong { color: var(--gold); font-weight: 700; }
.notice-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  background: var(--gold);
  color: var(--ink);
  padding: 4px 10px;
  border-radius: 999px;
  flex-shrink: 0;
}

.hero-lander { padding-top: 56px; }
.hero-grid-form {
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: start;
  padding-bottom: 80px;
}
.hero-bullets {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 20px;
  margin: 0 0 32px;
}
.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 500;
  color: var(--ink);
  font-size: 0.98rem;
}
.hb-check {
  display: inline-grid;
  place-items: center;
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  background: var(--accent-soft);
  color: var(--accent-2);
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
}
.hero-fineprint {
  font-size: 0.82rem;
  color: var(--ink-3);
  margin: 16px 0 0;
}

.hero-form-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 96px;
}
.hfc-head { margin-bottom: 22px; }
.hfc-head h2 { font-size: 1.6rem; margin-bottom: 6px; }
.hfc-head p { font-size: 0.95rem; margin: 0; }
.quote-form-inline {
  background: transparent;
  padding: 0;
  box-shadow: none;
  border-radius: 0;
}

/* Stats strip */
.stats-strip {
  background: var(--ink);
  color: white;
  padding: 56px 0;
  position: relative;
  overflow: hidden;
}
.stats-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(184,147,90,0.15), transparent 55%);
  pointer-events: none;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}
.stats-grid li {
  text-align: center;
  padding: 0 12px;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.stats-grid li:last-child { border-right: 0; }
.stats-grid strong {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 6px;
  line-height: 1.05;
}
.stats-grid span {
  display: block;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.4;
}

/* Testimonials */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial {
  background: var(--surface);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
  box-shadow: var(--shadow-sm);
}
.t-stars {
  color: var(--gold);
  letter-spacing: 4px;
  font-size: 1.05rem;
}
.testimonial blockquote { margin: 0; }
.testimonial blockquote p {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.1rem;
  line-height: 1.5;
  color: var(--ink);
  font-weight: 500;
}
.testimonial figcaption {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-top: auto;
  padding-top: 8px;
  border-top: 1px solid var(--line-soft);
}
.testimonial figcaption strong { color: var(--ink); font-weight: 600; font-size: 0.95rem; }
.testimonial figcaption span { color: var(--ink-3); font-size: 0.85rem; }

/* Final CTA visual */
.cta-visual {
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
}
.cta-stat {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 20px 24px;
  display: flex;
  align-items: baseline;
  gap: 16px;
}
.cta-stat strong {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--gold);
  flex-shrink: 0;
  min-width: 110px;
}
.cta-stat span { color: rgba(255,255,255,0.82); font-size: 0.95rem; }

/* Compliance disclosure */
.compliance {
  background: var(--bg-soft);
  padding: 36px 0;
  border-top: 1px solid var(--line-soft);
}
.compliance p {
  margin: 0;
  max-width: 920px;
  font-size: 0.78rem;
  line-height: 1.65;
  color: var(--ink-3);
}

/* Wider compare card for full-width comparison */
.compare-card-wide {
  max-width: 920px;
  margin: 0 auto;
}

/* ==================== RESPONSIVE ==================== */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 60px; padding-bottom: 80px; }
  .hero-visual { max-width: 380px; margin: 0 auto; }
  .two-col, .two-col-stack { grid-template-columns: 1fr; gap: 48px; }
  .faq-wrap { grid-template-columns: 1fr; gap: 40px; }
  .steps { grid-template-columns: 1fr; }
  .cta-card { grid-template-columns: 1fr; padding: 48px 36px; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero-form-card { position: static; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 28px 24px; }
  .stats-grid li:nth-child(2) { border-right: 0; }
  .testimonials { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .section { padding: 72px 0; }
  .primary-nav { display: none; }
  .nav-toggle { display: flex; }
  .mobile-menu.is-open { display: flex; }
  .hero { padding-top: 48px; }
  .notice-bar-inner { flex-wrap: wrap; gap: 8px; }
  .notice-bar p { font-size: 0.82rem; }
  .hero-bullets { grid-template-columns: 1fr; }
  .hero-form-card { padding: 24px; }
  .stats-grid { grid-template-columns: 1fr; gap: 20px; }
  .stats-grid li { border-right: 0; border-bottom: 1px solid rgba(255,255,255,0.12); padding-bottom: 16px; }
  .stats-grid li:last-child { border-bottom: 0; padding-bottom: 0; }
  .compare-head, .compare-row { grid-template-columns: 1fr; gap: 8px; }
  .compare-row dt { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; }
  .compare-card { padding: 22px; }
  .cta-stat strong { font-size: 1.4rem; min-width: 80px; }
  .hero-trust { grid-template-columns: 1fr; gap: 12px; padding-top: 20px; }
  .hero-trust li { display: flex; justify-content: space-between; align-items: center; }
  .hero-trust strong { font-size: 1.2rem; margin: 0; }
  .hero-strip .container { justify-content: flex-start; }
  .strip-logos { gap: 16px; }
  .info-card, .quote-form { padding: 28px 22px; }
  .cta-card { padding: 36px 24px; border-radius: var(--radius-lg); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; padding-bottom: 36px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  html { scroll-behavior: auto; }
}