/* =========================================================
   SecureLife Insurance Advisory — Global Design System
   ========================================================= */

:root {
  /* Colors */
  --navy: #0B1F3A;
  --navy-light: #142c52;
  --blue: #1F5EFF;
  --blue-dark: #1747c2;
  --teal: #18A999;
  --teal-dark: #128577;
  --bg-light: #F6F8FC;
  --white: #FFFFFF;
  --text-primary: #172033;
  --text-secondary: #667085;
  --border: #E4E7EC;
  --success: #12B76A;
  --danger: #D92D20;

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;

  /* Shadow */
  --shadow-sm: 0 1px 2px rgba(11, 31, 58, 0.06);
  --shadow-md: 0 4px 16px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 12px 32px rgba(11, 31, 58, 0.12);

  /* Spacing */
  --section-space: 96px;
  --container-width: 1240px;

  /* Font */
  --font-main: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-main);
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--blue);
  text-decoration: none;
}

a:hover {
  color: var(--blue-dark);
}

h1,
h2,
h3,
h4,
h5 {
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 16px;
}

h1 {
  font-size: 56px;
  letter-spacing: -0.02em;
}

h2 {
  font-size: 40px;
  letter-spacing: -0.01em;
}

h3 {
  font-size: 26px;
}

h4 {
  font-size: 20px;
}

p {
  margin: 0 0 16px;
  color: var(--text-secondary);
  font-size: 17px;
}

:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 24px;
}

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

.section-sm {
  padding: 56px 0;
}

.section-tight {
  padding: 64px 0;
}

.bg-light {
  background: var(--bg-light);
}

.bg-navy {
  background: var(--navy);
  color: var(--white);
}

.bg-navy h1,
.bg-navy h2,
.bg-navy h3,
.bg-navy h4 {
  color: var(--white);
}

.bg-navy p {
  color: rgba(255, 255, 255, 0.78);
}

.text-center {
  text-align: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(31, 94, 255, 0.08);
  color: var(--blue);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 8px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.bg-navy .eyebrow {
  background: rgba(255, 255, 255, 0.1);
  color: #8FB1FF;
}

.section-head {
  max-width: 720px;
  margin: 0 auto 56px;
  text-align: center;
}

.section-head.left {
  margin: 0 0 48px;
  text-align: left;
}

.section-head p {
  font-size: 18px;
}

/* =========== BUTTONS =========== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-main);
  font-weight: 600;
  font-size: 16px;
  padding: 14px 28px;
  border-radius: 10px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.2s ease, color 0.2s ease, border-color .2s ease;
  min-height: 48px;
  white-space: nowrap;
}

.btn:active {
  transform: translateY(1px);
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background: var(--blue-dark);
  color: var(--white);
  box-shadow: var(--shadow-md);
}

.btn-teal {
  background: var(--teal);
  color: var(--white);
}

.btn-teal:hover {
  background: var(--teal-dark);
  color: var(--white);
}

.btn-outline {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.5);
  color: var(--white);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  color: var(--white);
}

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

.btn-outline-navy:hover {
  border-color: var(--blue);
  color: var(--blue);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
}

.btn-white:hover {
  background: #eef2fb;
}

.btn-block {
  width: 100%;
}

.btn-sm {
  padding: 10px 18px;
  font-size: 14px;
  min-height: 40px;
}

.btn-lg {
  padding: 16px 34px;
  font-size: 17px;
}

.btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

/* =========== HEADER =========== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.25s ease, background 0.25s ease;
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 20px;
  color: var(--navy);
  flex-shrink: 0;
}

.logo .logo-mark {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 18px;
}

.logo:hover {
  color: var(--navy);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 30px;
}

.main-nav ul {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 28px;
  margin: 0;
  padding: 0;
}

.main-nav a {
  color: var(--text-primary);
  font-weight: 500;
  font-size: 15px;
  padding: 8px 0;
  position: relative;
}

.main-nav a.active {
  color: var(--blue);
  font-weight: 600;
}

.main-nav a.active::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 100%;
  height: 2px;
  background: var(--blue);
  border-radius: 2px;
}

.main-nav>ul>li {
  position: relative;
}

.nav-dropdown-trigger {
  display: flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-main);
  font-size: 15px;
  font-weight: 500;
  color: var(--text-primary);
  padding: 8px 0;
}

.nav-dropdown-trigger .chev {
  font-size: 11px;
  transition: transform 0.2s ease;
}

.nav-dropdown.open .nav-dropdown-trigger .chev {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: -20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  width: 480px;
  padding: 16px;
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 4px;
}

.nav-dropdown.open .nav-dropdown-menu {
  display: grid;
}

.nav-dropdown-menu a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  font-weight: 500;
  font-size: 14.5px;
  color: var(--text-primary);
}

.nav-dropdown-menu a:hover {
  background: var(--bg-light);
  color: var(--blue);
}

.nav-dropdown-menu a i {
  color: var(--blue);
  width: 18px;
  text-align: center;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.header-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--navy);
  font-size: 14.5px;
}

.header-phone i {
  color: var(--teal);
}

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  cursor: pointer;
}

.hamburger span {
  width: 20px;
  height: 2px;
  background: var(--navy);
  margin: 0 auto;
  border-radius: 2px;
  transition: 0.2s;
}

.mobile-nav-panel {
  position: fixed;
  inset: 0;
  background: var(--white);
  z-index: 1100;
  padding: 20px 24px 100px;
  overflow-y: auto;
  display: none;
}

.mobile-nav-panel.open {
  display: block;
}

.mobile-nav-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}

.mobile-nav-close {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: none;
  font-size: 20px;
  cursor: pointer;
}

.mobile-nav-panel ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.mobile-nav-panel>ul>li {
  border-bottom: 1px solid var(--border);
}

.mobile-nav-panel a,
.mobile-nav-panel .mobile-accordion-trigger {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 4px;
  font-weight: 600;
  font-size: 17px;
  color: var(--navy);
  width: 100%;
  background: none;
  border: none;
  font-family: var(--font-main);
  cursor: pointer;
  text-align: left;
}

.mobile-sub-list {
  list-style: none;
  padding: 0 0 12px 16px;
  margin: 0;
  display: none;
}

.mobile-sub-list.open {
  display: block;
}

.mobile-sub-list a {
  font-size: 15.5px;
  font-weight: 500;
  padding: 10px 4px;
  color: var(--text-secondary);
}

.mobile-nav-panel .btn {
  margin-top: 24px;
}

/* =========== HERO =========== */
.hero {
  background: linear-gradient(180deg, var(--bg-light) 0%, var(--white) 100%);
  padding: 64px 0 var(--section-space);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.hero h1 {
  margin-bottom: 20px;
}

.hero-desc {
  font-size: 19px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  margin: 32px 0 0;
  flex-wrap: wrap;
}

.hero-visual {
  position: relative;
}

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

.hero-visual-badge {
  position: absolute;
  bottom: -22px;
  left: -22px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.hero-visual-badge .icon-circle {
  background: rgba(24, 169, 153, 0.12);
  color: var(--teal);
}

.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 72px;
  text-align: center;
}

.page-hero h1 {
  color: var(--white);
  max-width: 780px;
  margin: 0 auto 18px;
}

.page-hero p {
  color: rgba(255, 255, 255, 0.78);
  max-width: 640px;
  margin: 0 auto;
  font-size: 18px;
}

.page-hero .breadcrumb {
  justify-content: center;
  margin-bottom: 20px;
}

.split-hero {
  text-align: left;
  padding: 88px 0;
}

.split-hero .hero-grid {
  align-items: center;
}

.split-hero h1 {
  color: var(--white);
}

.split-hero p {
  color: rgba(255, 255, 255, 0.78);
}

.split-hero img {
  border-radius: var(--radius-lg);
  width: 100%;
  height: 380px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
}

.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: 14px;
  color: var(--text-secondary);
}

.breadcrumb a {
  color: var(--text-secondary);
}

.breadcrumb a:hover {
  color: var(--blue);
}

.breadcrumb .sep {
  opacity: 0.5;
}

/* =========== QUOTE MINI FORM =========== */
.quote-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 32px;
  border: 1px solid var(--border);
}

.quote-card h3 {
  margin-bottom: 4px;
}

.quote-card .quote-sub {
  font-size: 14px;
  margin-bottom: 20px;
}

.security-note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  color: var(--text-secondary);
  margin-top: 14px;
}

.security-note i {
  color: var(--teal);
}

/* =========== FORM ELEMENTS =========== */
.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 14.5px;
  color: var(--navy);
  margin-bottom: 7px;
}

.form-group .required {
  color: var(--danger);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-main);
  font-size: 15.5px;
  color: var(--text-primary);
  background: var(--white);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  min-height: 48px;
}

select.form-control {
  cursor: pointer;
}

textarea.form-control {
  min-height: 110px;
  resize: vertical;
}

.form-control:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(31, 94, 255, 0.12);
}

.form-control.invalid {
  border-color: var(--danger);
}

.form-error {
  color: var(--danger);
  font-size: 13px;
  margin-top: 6px;
  display: none;
}

.form-error.show {
  display: block;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.checkbox-row input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--blue);
  flex-shrink: 0;
}

.checkbox-row label {
  font-weight: 400;
  font-size: 14.5px;
  color: var(--text-secondary);
}

.form-status {
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  font-weight: 500;
  margin-top: 16px;
  display: none;
}

.form-status.show {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.form-status.success {
  background: rgba(18, 183, 106, 0.1);
  color: #0c7a49;
}

.form-status.error {
  background: rgba(217, 45, 32, 0.1);
  color: var(--danger);
}

/* =========== TRUST / FEATURES =========== */
.trust-grid,
.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.trust-card,
.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 30px 24px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

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

.icon-circle {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background: rgba(31, 94, 255, 0.1);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 18px;
}

.icon-circle.teal {
  background: rgba(24, 169, 153, 0.12);
  color: var(--teal);
}

.trust-card h4,
.feature-card h4 {
  margin-bottom: 8px;
}

.trust-card p,
.feature-card p {
  font-size: 15px;
  margin-bottom: 0;
}

/* =========== CATEGORY CARDS =========== */
.category-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.category-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.category-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(31, 94, 255, 0.3);
}

.category-card h3 {
  font-size: 21px;
  margin-bottom: 8px;
}

.category-card p {
  font-size: 14.5px;
  flex-grow: 1;
}

.category-card .card-actions {
  display: flex;
  gap: 10px;
  margin-top: 18px;
  flex-wrap: wrap;
}

/* =========== STEPS =========== */
.steps-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}

.step-card {
  text-align: center;
  position: relative;
  padding: 0 12px;
}

.step-num {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 700;
  margin: 0 auto 20px;
  position: relative;
  z-index: 2;
}

.steps-row.connect::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: repeating-linear-gradient(to right, var(--border) 0, var(--border) 8px, transparent 8px, transparent 16px);
  z-index: 1;
}

.steps-timeline {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.timeline-item {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding-bottom: 40px;
  position: relative;
}

.timeline-item:last-child {
  padding-bottom: 0;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: 31px;
  top: 64px;
  bottom: 0;
  width: 2px;
  background: var(--border);
}

.timeline-item:last-child::before {
  display: none;
}

.timeline-dot {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--blue);
  color: white;
  font-weight: 700;
  font-size: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
}

.timeline-content h3 {
  margin-bottom: 6px;
}

/* =========== CARDS (generic) =========== */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

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

/* =========== BENEFITS LIST =========== */
.benefits-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 14px;
}

.benefits-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 16px;
  color: var(--text-primary);
}

.benefits-list i {
  color: var(--success);
  margin-top: 3px;
}

/* =========== FEATURE SPLIT / PROMO =========== */
.promo-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.promo-split img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  width: 100%;
  height: 400px;
  object-fit: cover;
}

.promo-split.reverse {
  direction: rtl;
}

.promo-split.reverse>* {
  direction: ltr;
}

/* =========== TESTIMONIALS =========== */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.testimonial-stars {
  color: #F5A623;
  font-size: 15px;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.testimonial-quote {
  font-size: 16px;
  color: var(--text-primary);
  font-style: italic;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 15px;
  flex-shrink: 0;
}

.author-meta {
  font-size: 13.5px;
  color: var(--text-secondary);
}

.author-meta strong {
  display: block;
  color: var(--navy);
  font-size: 14.5px;
}

.disclaimer-note {
  font-size: 13px;
  color: var(--text-secondary);
  text-align: center;
  margin-top: 24px;
}

/* =========== ACCORDION / FAQ =========== */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--white);
}

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 24px;
  font-family: var(--font-main);
  font-weight: 600;
  font-size: 16.5px;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.faq-question .faq-icon {
  flex-shrink: 0;
  color: var(--blue);
  transition: transform 0.25s ease;
  font-size: 14px;
}

.faq-item.open .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-answer-inner {
  padding: 0 24px 22px;
  color: var(--text-secondary);
  font-size: 15.5px;
}

.faq-category-tabs {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 40px;
}

.faq-tab {
  padding: 10px 20px;
  border-radius: 999px;
  border: 1.5px solid var(--border);
  background: var(--white);
  font-weight: 600;
  font-size: 14.5px;
  cursor: pointer;
  color: var(--text-secondary);
}

.faq-tab.active {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}

/* =========== CTA SECTION =========== */
.cta-section {
  background: linear-gradient(120deg, var(--navy) 0%, #14315c 100%);
  border-radius: var(--radius-lg);
  padding: 64px 48px;
  text-align: center;
  color: white;
}

.cta-section h2 {
  color: white;
  margin-bottom: 12px;
}

.cta-section p {
  color: rgba(255, 255, 255, 0.78);
  max-width: 560px;
  margin: 0 auto 32px;
  font-size: 18px;
}

.cta-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.cta-full {
  background: var(--navy);
  color: white;
  text-align: center;
  padding: var(--section-space) 0;
}

.cta-full h2 {
  color: white;
}

.cta-full p {
  color: rgba(255, 255, 255, 0.78);
  max-width: 600px;
  margin: 0 auto 32px;
}

/* =========== FOOTER =========== */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.75);
  padding: 72px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-brand .logo {
  color: white;
  margin-bottom: 16px;
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 14.5px;
  max-width: 280px;
}

.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 16px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}

.footer-social a:hover {
  background: var(--blue);
}

.footer-col h5 {
  color: white;
  font-size: 15px;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 14.5px;
}

.footer-col a:hover {
  color: white;
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: rgba(255, 255, 255, 0.7);
}

.footer-contact i {
  color: var(--teal);
  margin-top: 3px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.55);
}

.footer-bottom .legal-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.55);
}

.footer-bottom a:hover {
  color: white;
}

.footer-disclaimer {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.45);
  margin-top: 20px;
  line-height: 1.6;
}

/* =========== MOBILE STICKY CTA =========== */
.mobile-sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--white);
  border-top: 1px solid var(--border);
  box-shadow: 0 -6px 20px rgba(11, 31, 58, 0.1);
  padding: 12px 16px;
  z-index: 900;
  padding-bottom: max(12px, env(safe-area-inset-bottom));
}

.mobile-sticky-cta .btn {
  width: 100%;
}

/* =========== BADGES / STATUS PILLS =========== */
.status-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border-radius: 999px;
  font-size: 12.5px;
  font-weight: 600;
}

.status-new {
  background: rgba(31, 94, 255, 0.1);
  color: var(--blue);
}

.status-contacted {
  background: rgba(24, 169, 153, 0.12);
  color: var(--teal-dark);
}

.status-follow-up {
  background: rgba(245, 166, 35, 0.12);
  color: #B5720C;
}

.status-converted {
  background: rgba(18, 183, 106, 0.12);
  color: #0c7a49;
}

.status-not-interested {
  background: rgba(217, 45, 32, 0.1);
  color: var(--danger);
}

/* =========== MULTISTEP QUOTE FORM =========== */
.stepper {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}

.stepper-step {
  display: flex;
  align-items: center;
  gap: 10px;
}

.stepper-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--border);
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  transition: background 0.2s ease, color 0.2s ease;
}

.stepper-step.active .stepper-circle {
  background: var(--blue);
  color: white;
}

.stepper-step.done .stepper-circle {
  background: var(--success);
  color: white;
}

.stepper-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-secondary);
}

.stepper-step.active .stepper-label {
  color: var(--navy);
}

.stepper-line {
  width: 40px;
  height: 2px;
  background: var(--border);
}

.insurance-select-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.insurance-option {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 22px 16px;
  text-align: center;
  cursor: pointer;
  background: white;
  transition: border-color 0.2s ease, background 0.2s ease;
}

.insurance-option i {
  font-size: 26px;
  color: var(--blue);
  margin-bottom: 10px;
  display: block;
}

.insurance-option span {
  font-weight: 600;
  font-size: 14.5px;
  color: var(--navy);
}

.insurance-option:hover {
  border-color: var(--blue);
}

.insurance-option.selected {
  border-color: var(--blue);
  background: rgba(31, 94, 255, 0.06);
}

.insurance-option input {
  display: none;
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.step-nav {
  display: flex;
  justify-content: space-between;
  margin-top: 32px;
  gap: 16px;
}

/* =========== ADMIN =========== */
.admin-body {
  background: var(--bg-light);
  min-height: 100vh;
}

.admin-shell {
  display: grid;
  grid-template-columns: 260px 1fr;
  min-height: 100vh;
}

.admin-sidebar {
  background: var(--navy);
  color: white;
  padding: 24px 18px;
  display: flex;
  flex-direction: column;
}

.admin-sidebar .logo {
  color: white;
  margin-bottom: 32px;
  padding-left: 6px;
}

.admin-nav {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
  flex-grow: 1;
}

.admin-nav a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  color: rgba(255, 255, 255, 0.75);
  font-weight: 500;
  font-size: 15px;
}

.admin-nav a:hover {
  background: rgba(255, 255, 255, 0.06);
  color: white;
}

.admin-nav a.active {
  background: var(--blue);
  color: white;
}

.admin-nav i {
  width: 18px;
  text-align: center;
}

.admin-logout {
  margin-top: auto;
}

.admin-main {
  padding: 28px 32px;
}

.admin-topbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 16px;
}

.admin-topbar h1 {
  font-size: 28px;
  margin: 0;
}

.admin-user {
  display: flex;
  align-items: center;
  gap: 12px;
}

.admin-user .author-avatar {
  width: 40px;
  height: 40px;
  background: var(--blue);
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
  margin-bottom: 28px;
}

.stat-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 22px;
}

.stat-card .stat-label {
  font-size: 13.5px;
  color: var(--text-secondary);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin-bottom: 10px;
}

.stat-card .stat-value {
  font-size: 30px;
  font-weight: 800;
  color: var(--navy);
}

.stat-card .stat-icon {
  display: inline-flex;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
  font-size: 18px;
}

.chart-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}

.chart-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
}

.chart-card h3 {
  font-size: 17px;
  margin-bottom: 18px;
}

.admin-panel {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
}

.admin-filters {
  display: flex;
  gap: 12px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}

.admin-filters .form-control {
  min-height: 42px;
  padding: 9px 14px;
  font-size: 14.5px;
}

.admin-filters select {
  width: auto;
  min-width: 160px;
}

.admin-filters input[type=search] {
  width: 240px;
}

table.leads-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14.5px;
}

table.leads-table th {
  text-align: left;
  padding: 12px 14px;
  color: var(--text-secondary);
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  border-bottom: 1.5px solid var(--border);
}

table.leads-table td {
  padding: 14px;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}

table.leads-table tr:hover {
  background: var(--bg-light);
}

.table-actions {
  display: flex;
  gap: 8px;
}

.icon-btn {
  width: 34px;
  height: 34px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: white;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--text-secondary);
}

.icon-btn:hover {
  background: var(--bg-light);
  color: var(--blue);
  border-color: var(--blue);
}

.icon-btn.danger:hover {
  color: var(--danger);
  border-color: var(--danger);
}

.login-shell {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  padding: 24px;
}

.login-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 44px;
  width: 100%;
  max-width: 420px;
  box-shadow: var(--shadow-lg);
}

.login-card .logo {
  justify-content: center;
  margin-bottom: 24px;
}

.login-notice {
  background: rgba(31, 94, 255, 0.08);
  color: var(--blue-dark);
  font-size: 13.5px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
}

/* Skip link */
.skip-link {
  position: absolute;
  left: -9999px;
  top: auto;
  background: var(--navy);
  color: white;
  padding: 10px 16px;
  z-index: 2000;
  border-radius: var(--radius-sm);
}

.skip-link:focus {
  left: 16px;
  top: 16px;
}

/* Blog */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.blog-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: white;
  transition: box-shadow 0.2s ease, transform .2s ease;
}

.blog-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.blog-card img {
  height: 190px;
  object-fit: cover;
  width: 100%;
}

.blog-card-body {
  padding: 20px;
}

.blog-category {
  display: inline-block;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin-bottom: 10px;
}

.blog-card h3 {
  font-size: 19px;
  margin-bottom: 10px;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 13px;
  color: var(--text-secondary);
  margin-top: 14px;
}

.blog-featured {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 40px;
  align-items: center;
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-bottom: 56px;
}

.blog-featured img {
  border-radius: var(--radius-md);
  height: 320px;
  object-fit: cover;
  width: 100%;
}

.blog-search {
  position: relative;
  max-width: 420px;
  margin: 0 auto 40px;
}

.blog-search input {
  padding-left: 44px;
}

.blog-search i {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-secondary);
}

.blog-categories {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 40px;
}

.pagination {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 48px;
}

.pagination button {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: white;
  cursor: pointer;
  font-weight: 600;
}

.pagination button.active {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}

.article-body {
  max-width: 720px;
  margin: 0 auto;
}

.article-body h2 {
  margin-top: 40px;
}

.article-body p,
.article-body li {
  font-size: 17px;
  color: var(--text-primary);
}

.article-body img {
  border-radius: var(--radius-md);
  margin: 24px 0;
  height: 340px;
  object-fit: cover;
  width: 100%;
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--text-secondary);
  font-size: 14.5px;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}

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

.article-cta {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin: 40px 0;
  text-align: center;
}

/* Legal */
.legal-content {
  max-width: 780px;
  margin: 0 auto;
}

.legal-content h2 {
  margin-top: 36px;
}

.legal-content ul {
  padding-left: 20px;
}

.legal-content li {
  margin-bottom: 8px;
  color: var(--text-secondary);
}

.legal-updated {
  color: var(--text-secondary);
  font-size: 14px;
  margin-bottom: 32px;
}

/* Thank you */
.thankyou-shell {
  text-align: center;
  max-width: 560px;
  margin: 0 auto;
  padding: 40px 0;
}

.thankyou-icon {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: rgba(18, 183, 106, 0.1);
  color: var(--success);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 40px;
  margin: 0 auto 28px;
}

.thankyou-next {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 36px 0;
  text-align: left;
}

.thankyou-next .card {
  padding: 20px;
}

/* Utility */
.mt-0 {
  margin-top: 0;
}

.mb-0 {
  margin-bottom: 0;
}

.text-teal {
  color: var(--teal);
}

.d-flex {
  display: flex;
}

.gap-12 {
  gap: 12px;
}

.flex-wrap {
  flex-wrap: wrap;
}

.divider {
  height: 1px;
  background: var(--border);
  margin: 40px 0;
}