/* ============================================================
   Aldridge Insurance Group — Premium Professional Theme
   Palette: Navy #1B365D · Gold #C5962B · Warm Whites
   Font: Inter · Clean, trustworthy, high-end
   ============================================================ */

:root {
  --navy: #1B365D;
  --navy-dark: #0F2440;
  --navy-light: #264A7A;
  --gold: #C5962B;
  --gold-light: #D4AA4A;
  --gold-muted: #96793A;
  --text: #1A202C;
  --text-secondary: #4A5568;
  --text-muted: #718096;
  --text-faint: #A0AEC0;
  --bg: #FFFFFF;
  --bg-warm: #FAFAF7;
  --bg-light: #F7F8FA;
  --bg-cream: #F5F3EF;
  --border: #E2E8F0;
  --border-light: #EDF2F7;
  --green: #16a34a;
  --red: #DC2626;
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm: 0 1px 4px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.07), 0 1px 3px rgba(0,0,0,0.04);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.08), 0 2px 8px rgba(0,0,0,0.04);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.1), 0 4px 12px rgba(0,0,0,0.05);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --nav-height: 72px;
  --transition: 0.2s ease;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; }


/* === ANIMATIONS === */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes spin {
  to { transform: rotate(360deg); }
}
@keyframes ripple {
  0% { transform: scale(0); opacity: 0.4; }
  100% { transform: scale(4); opacity: 0; }
}
@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

/* === REVEAL === */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}


/* ============================================================
   NAVIGATION
   ============================================================ */
.nav-bar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--nav-height);
  z-index: 1000;
  display: flex;
  align-items: center;
  padding: 0 32px;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.nav-bar.scrolled {
  border-bottom-color: var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,0.04);
}

.nav-inner {
  max-width: 1120px;
  margin: 0 auto;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo img {
  height: 40px;
  width: auto;
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 24px;
}

.nav-rating {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-stars {
  display: flex;
  gap: 1px;
}

.nav-rating-text {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text);
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--navy);
  font-size: 0.9375rem;
  font-weight: 600;
  transition: color var(--transition);
}
.nav-phone:hover { color: var(--gold); }
.nav-phone svg { color: var(--navy); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  height: 40px;
  padding: 0 22px;
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition: background var(--transition), transform 0.1s ease;
}
.nav-cta:hover {
  background: var(--navy-light);
  color: #fff;
  transform: translateY(-1px);
}


/* ============================================================
   HERO — Full-width background image, split layout
   ============================================================ */
.hero {
  position: relative;
  padding: calc(var(--nav-height) + 60px) 32px 80px;
  min-height: 600px;
  display: flex;
  align-items: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}

.hero-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}

.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(255,255,255,0.97) 0%,
    rgba(255,255,255,0.92) 45%,
    rgba(255,255,255,0.75) 70%,
    rgba(255,255,255,0.5) 100%
  );
}

.hero-content {
  max-width: 1120px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-text h1 {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -0.025em;
  color: var(--navy);
  margin-bottom: 18px;
}

.subheadline {
  font-size: 1.125rem;
  color: var(--text-secondary);
  line-height: 1.7;
  max-width: 520px;
  margin-bottom: 28px;
}

.hero-trust-row {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--text-secondary);
}

.trust-item strong {
  color: var(--text);
}

.trust-divider {
  width: 1px;
  height: 20px;
  background: var(--border);
}


/* ============================================================
   FORM CARD — Premium white card with refined shadow
   ============================================================ */
.hero-form {
  background: #fff;
  border: 1px solid rgba(0,0,0,0.06);
  border-radius: var(--radius-xl);
  padding: 36px 32px 32px;
  box-shadow: var(--shadow-xl);
  animation: fadeInUp 0.6s 0.1s ease both;
}

.form-header {
  text-align: center;
  margin-bottom: 4px;
}

.form-header h2 {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 2px;
}

.form-sub {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.form-steps-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}

.step-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8125rem;
  font-weight: 700;
  border: 2px solid var(--border);
  color: var(--text-faint);
  background: var(--bg-light);
  transition: all 0.3s ease;
}

.step-dot.active {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
  box-shadow: 0 0 0 4px rgba(27, 54, 93, 0.12);
}

.step-dot.completed {
  border-color: var(--green);
  background: var(--green);
  color: #fff;
}

.step-line {
  width: 48px;
  height: 2px;
  background: var(--border);
  transition: background 0.3s ease;
}

.step-line.completed {
  background: linear-gradient(90deg, var(--green), var(--navy));
}

.form-step {
  animation: fadeIn 0.3s ease;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 700;
  color: var(--text-secondary);
  margin-bottom: 6px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.form-group input {
  width: 100%;
  height: 50px;
  padding: 0 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: var(--bg-light);
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
  -webkit-appearance: none;
}

.form-group input::placeholder { color: var(--text-faint); }
.form-group input:hover { border-color: var(--text-faint); background: #fff; }
.form-group input:focus {
  outline: none;
  border-color: var(--navy);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(27, 54, 93, 0.08);
}
.form-group input.error {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.08);
}

.field-error { display: block; font-size: 0.75rem; color: var(--red); margin-top: 4px; font-weight: 500; }
.zip-city { display: block; font-size: 0.8125rem; color: var(--green); margin-top: 4px; font-weight: 600; }

/* Coverage Toggle */
.coverage-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
}

.toggle-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  height: 64px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  font-size: 0.8125rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition);
}

.toggle-btn svg { color: var(--text-faint); transition: color var(--transition); }

.toggle-btn:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: #fff;
}
.toggle-btn:hover svg { color: var(--navy); }

.toggle-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
  box-shadow: 0 2px 8px rgba(27, 54, 93, 0.25);
}
.toggle-btn.active svg { color: #fff; }

/* Buttons */
.btn-primary-lg {
  width: 100%;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--navy);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: 0.01em;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  transition: background var(--transition), transform 0.1s ease, box-shadow var(--transition);
  box-shadow: 0 2px 8px rgba(27, 54, 93, 0.2);
}

.btn-primary-lg:hover {
  background: var(--navy-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(27, 54, 93, 0.3);
}

.btn-primary-lg:active { transform: translateY(0); }
.btn-primary-lg:disabled { opacity: 0.6; cursor: not-allowed; transform: none; box-shadow: none; }

.btn-primary-lg .ripple-effect {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.3);
  animation: ripple 0.6s ease-out forwards;
  pointer-events: none;
  width: 20px;
  height: 20px;
}

.btn-loading { display: flex; align-items: center; gap: 8px; }
.spinner { animation: spin 0.75s linear infinite; }

.btn-next svg { transition: transform 0.2s ease; }
.btn-next:hover svg { transform: translateX(3px); }

.form-back {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 0.8125rem;
  font-weight: 500;
  font-family: inherit;
  cursor: pointer;
  padding: 4px 0;
  margin-bottom: 12px;
  transition: color var(--transition);
}
.form-back:hover { color: var(--navy); }

.secure-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-bottom: 12px;
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 500;
}
.secure-row svg { color: var(--green); }

.tcpa-consent {
  font-size: 0.65rem;
  color: var(--text-faint);
  line-height: 1.5;
  text-align: center;
  margin-top: 12px;
}
.tcpa-consent a { color: var(--text-muted); text-decoration: underline; }

#out-of-state h2 { font-size: 1.125rem; margin-bottom: 10px; color: var(--navy); }
#out-of-state p { font-size: 0.9375rem; color: var(--text-muted); margin-bottom: 20px; }

.btn-primary-md {
  display: inline-flex;
  align-items: center;
  height: 46px;
  padding: 0 28px;
  background: var(--navy);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  transition: background var(--transition), transform 0.1s ease;
  box-shadow: 0 2px 8px rgba(27, 54, 93, 0.15);
}
.btn-primary-md:hover {
  background: var(--navy-light);
  color: #fff;
  transform: translateY(-1px);
}


/* ============================================================
   CARRIER BAR
   ============================================================ */
.carrier-bar {
  padding: 48px 24px;
  background: var(--bg-warm);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border);
  text-align: center;
}

.carrier-heading {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.carrier-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  max-width: 800px;
  margin: 0 auto;
}

.carrier-pill {
  display: inline-flex;
  align-items: center;
  padding: 10px 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
  transition: all var(--transition);
  box-shadow: var(--shadow-xs);
}

.carrier-pill:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}


/* ============================================================
   SECTION LABELS & TITLES
   ============================================================ */
.section-label {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(1.5rem, 3.5vw, 2rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  color: var(--navy);
  text-align: center;
  margin-bottom: 48px;
  line-height: 1.2;
}


/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-it-works {
  padding: 96px 24px;
  background: #fff;
  text-align: center;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  max-width: 960px;
  margin: 0 auto;
}

.step-card {
  text-align: center;
  padding: 40px 28px 36px;
  border-radius: var(--radius-lg);
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}

.step-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: rgba(197, 150, 43, 0.08);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
}

.step-num {
  font-size: 0.6875rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 10px;
}

.step-card h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}

.step-card p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.65;
}


/* ============================================================
   WHY INDEPENDENT — Image + features layout
   ============================================================ */
.why-section {
  padding: 96px 24px;
  background: var(--bg-warm);
  border-top: 1px solid var(--border-light);
}

.why-layout {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 56px;
  align-items: center;
  max-width: 1000px;
  margin: 0 auto;
}

.why-image img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  height: 420px;
  object-fit: cover;
}

.why-content .section-title {
  text-align: left;
  margin-bottom: 16px;
}

.why-content > p {
  font-size: 1.0625rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 32px;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.why-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why-feature-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(197, 150, 43, 0.08);
  border-radius: var(--radius-sm);
}

.why-feature strong {
  display: block;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2px;
}

.why-feature p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin: 0;
}


/* ============================================================
   ABOUT TOM — Card layout with photo
   ============================================================ */
.about-section {
  padding: 96px 24px;
  background: #fff;
  border-top: 1px solid var(--border-light);
}

.about-card {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  align-items: start;
  max-width: 880px;
  margin: 0 auto;
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 40px;
}

.about-photo img {
  width: 280px;
  height: 340px;
  object-fit: cover;
  border-radius: var(--radius-md);
}

.about-body .section-title {
  text-align: left;
  margin-bottom: 16px;
  font-size: 1.5rem;
}

.about-body .section-label {
  display: block;
}

.about-lead {
  font-size: 1.0625rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 12px;
  font-weight: 500;
}

.about-body p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 12px;
}

.about-creds {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 20px 0 24px;
  padding: 16px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.cred-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--text-secondary);
}

.cred-item svg { flex-shrink: 0; color: var(--navy); }


/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials {
  padding: 96px 24px;
  background: var(--bg-warm);
  border-top: 1px solid var(--border-light);
  text-align: center;
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align: left;
}

.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.stars {
  display: flex;
  gap: 2px;
  margin-bottom: 16px;
}

.testimonial-card blockquote {
  font-size: 0.9375rem;
  color: var(--text);
  line-height: 1.7;
  flex-grow: 1;
  margin-bottom: 20px;
  font-style: normal;
}

.testimonial-card blockquote strong {
  color: var(--navy);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 16px;
  border-top: 1px solid var(--border-light);
}

.author-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-size: 0.875rem;
  color: var(--text);
}

.testimonial-author span {
  font-size: 0.75rem;
  color: var(--text-muted);
}


/* ============================================================
   FAQ
   ============================================================ */
.faq {
  padding: 96px 24px;
  background: #fff;
  border-top: 1px solid var(--border-light);
  text-align: center;
}

.faq-list {
  max-width: 680px;
  margin: 0 auto;
  text-align: left;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:first-of-type {
  border-top: 1px solid var(--border);
}

.faq-item summary {
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--text);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  gap: 16px;
  transition: color var(--transition);
  -webkit-tap-highlight-color: transparent;
  min-height: 48px;
}

.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--navy); }

.faq-item summary::after {
  content: '';
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%23A0AEC0' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  transition: transform 0.3s ease;
}

.faq-item[open] summary::after {
  transform: rotate(180deg);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%231B365D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
}

.faq-item[open] summary { color: var(--navy); }

.faq-item p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.75;
  padding: 0 0 20px;
}


/* ============================================================
   FINAL CTA
   ============================================================ */
.final-cta {
  padding: 96px 24px;
  background: var(--navy);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.final-cta::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(197, 150, 43, 0.06);
  pointer-events: none;
}

.final-cta h2 {
  font-size: clamp(1.5rem, 3.5vw, 2.25rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 14px;
  position: relative;
}

.final-cta p {
  font-size: 1.0625rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.65;
  max-width: 520px;
  margin: 0 auto 32px;
  position: relative;
}

.btn-white-lg {
  display: inline-flex;
  align-items: center;
  height: 52px;
  padding: 0 36px;
  background: #fff;
  color: var(--navy);
  border: none;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
  position: relative;
}

.btn-white-lg:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(0,0,0,0.2);
  color: var(--navy);
}


/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--bg-light);
  border-top: 1px solid var(--border);
  padding: 56px 24px 40px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  max-width: 900px;
  margin: 0 auto 40px;
}

.footer-logo {
  height: 36px;
  width: auto;
  margin-bottom: 16px;
}

.footer-brand-col p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
  max-width: 280px;
}

.footer-contact-col, .footer-links-col {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-contact-col h4, .footer-links-col h4 {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text);
  margin-bottom: 4px;
}

.footer-contact-col a, .footer-links-col a {
  font-size: 0.875rem;
  color: var(--text-secondary);
  transition: color var(--transition);
}

.footer-contact-col a:hover, .footer-links-col a:hover {
  color: var(--navy);
}

.footer-contact-col span, .footer-links-col span {
  font-size: 0.8125rem;
  color: var(--text-muted);
}

.footer-bottom {
  text-align: center;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.footer-bottom p {
  font-size: 0.75rem;
  color: var(--text-faint);
}


/* ============================================================
   STICKY MOBILE CTA
   ============================================================ */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 12px 16px calc(env(safe-area-inset-bottom, 0px) + 12px);
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid var(--border);
  box-shadow: 0 -2px 12px rgba(0,0,0,0.06);
  z-index: 100;
}

.btn-sticky {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 50px;
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  transition: background var(--transition);
  box-shadow: 0 2px 8px rgba(27, 54, 93, 0.2);
}
.btn-sticky:hover { background: var(--navy-light); color: #fff; }


/* ============================================================
   CONFIRMATION PAGE
   ============================================================ */
.confirmation {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px 20px;
  background: var(--bg-light);
}

.confirmation-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 56px 48px;
  box-shadow: var(--shadow-lg);
  text-align: center;
  max-width: 520px;
  width: 100%;
  animation: fadeInUp 0.5s ease both;
}

.confirmation-icon {
  width: 72px;
  height: 72px;
  background: #dcfce7;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  color: var(--green);
}

.confirmation-card h1 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}

.confirmation-card p {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 8px;
}

.confirmation-card .highlight {
  color: var(--navy);
  font-weight: 700;
}


/* ============================================================
   PRIVACY PAGE
   ============================================================ */
.privacy {
  max-width: 680px;
  margin: 0 auto;
  padding: calc(var(--nav-height) + 48px) 24px 64px;
}

.privacy h1 {
  font-size: clamp(1.5rem, 4vw, 1.875rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}

.privacy .updated { font-size: 0.875rem; color: var(--text-faint); margin-bottom: 36px; }
.privacy h2 { font-size: 1.125rem; font-weight: 700; color: var(--text); margin-top: 32px; margin-bottom: 10px; }
.privacy p, .privacy li { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.75; margin-bottom: 12px; }
.privacy ul { padding-left: 22px; }
.privacy a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }


/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .testimonial-grid { grid-template-columns: 1fr; gap: 16px; }
  .why-layout { grid-template-columns: 1fr; gap: 32px; }
  .why-image { order: -1; }
  .why-image img { height: 260px; }
  .about-card { grid-template-columns: 1fr; text-align: center; padding: 32px 24px; }
  .about-photo { display: flex; justify-content: center; }
  .about-photo img { width: 200px; height: 240px; }
  .about-body .section-title, .about-body .section-label, .why-content .section-title { text-align: center !important; }
  .about-creds { align-items: center; }
  .about-body .btn-primary-md { margin: 0 auto; }
  .footer-top { grid-template-columns: 1fr; text-align: center; gap: 32px; }
  .footer-brand-col p { max-width: 100%; margin: 0 auto; }
}

@media (max-width: 768px) {
  :root { --nav-height: 60px; }

  .hero {
    padding: calc(var(--nav-height) + 24px) 16px 40px;
    min-height: auto;
  }

  .hero-bg-overlay {
    background: linear-gradient(180deg, rgba(255,255,255,0.97) 0%, rgba(255,255,255,0.95) 60%, rgba(255,255,255,0.9) 100%);
  }

  .hero-content {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .hero-text h1 { font-size: clamp(1.625rem, 6vw, 2rem); }
  .subheadline { font-size: 1rem; }

  .hero-trust-row { gap: 12px; }
  .trust-divider { display: none; }
  .trust-item { font-size: 0.75rem; }

  .hero-form { padding: 28px 20px 24px; }

  .nav-bar { padding: 0 16px; }
  .nav-rating { display: none; }
  .nav-cta { height: 36px; padding: 0 14px; font-size: 0.75rem; }
  .nav-phone span { display: none; }

  .steps-grid { grid-template-columns: 1fr; gap: 16px; }
  .step-card {
    display: grid;
    grid-template-columns: 56px 1fr;
    grid-template-rows: auto auto auto;
    gap: 0 16px;
    text-align: left;
    padding: 24px 20px;
  }
  .step-icon { grid-row: 1 / 4; align-self: start; margin: 0; }
  .step-num { margin-bottom: 2px; }
  .step-card h3 { margin-bottom: 4px; }

  .carrier-logos { gap: 6px; }
  .carrier-pill { padding: 8px 14px; font-size: 0.75rem; }

  .why-content > p { font-size: 0.9375rem; }
  .why-feature { gap: 12px; }

  .sticky-cta { display: block; }
  .footer { padding-bottom: 88px; }

  .how-it-works, .why-section, .about-section, .testimonials, .faq, .final-cta {
    padding-top: 64px;
    padding-bottom: 64px;
  }
}

@media (max-width: 380px) {
  .hero-text h1 { font-size: 1.5rem; }
  .hero-form { padding: 22px 16px 18px; }
  .toggle-btn { height: 56px; font-size: 0.75rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
}