/* =============================================================================
   LIFORALIFE — STYLES (styles.css)
   -----------------------------------------------------------------------------
   Mobile-first: the base styles are for phones; @media (min-width: …) blocks
   add changes for tablets and desktops.

   TABLE OF CONTENTS
     1. BRAND COLORS & DESIGN TOKENS   ← change colors, fonts, roundness here
     2. Fonts
     3. Base & resets
     4. Layout helpers
     5. Icons & buttons
     6. Header & navigation
     7. Hero
     8. Trust indicators
     9. Sections (shared)
    10. Products
    11. Why it matters
    12. How it works
    13. About the agent
    14. FAQ accordion
    15. Lead form
    16. Footer
    17. Mobile action bar
    18. Privacy & 404 pages
    19. Animations & reduced motion
   ============================================================================= */

/* =============================================================================
   1. BRAND COLORS & DESIGN TOKENS
   -----------------------------------------------------------------------------
   To change the button color, edit --accent and --accent-dark (keep the dark
   one a bit darker). Keep text readable: white text needs a fairly dark color.
   ============================================================================= */
:root {
  /* Navy (primary brand color) */
  --navy-950: #061226;
  --navy-900: #0A1A33;
  --navy-800: #0F2547;
  --navy-700: #16335F;
  --navy-600: #1F4580;

  /* Emerald-teal (accent: buttons, highlights) */
  --accent: #0B7D69;
  --accent-dark: #09685A;
  --accent-bright: #2DD4AE;  /* used on dark backgrounds */
  --accent-light: #5EEAD4;   /* used on dark backgrounds */
  --accent-soft: #E7F6F2;    /* light tinted backgrounds */

  /* Neutrals */
  --white: #FFFFFF;
  --surface: #F6F8FB;        /* light gray section background */
  --surface-2: #EEF2F7;
  --border: #E2E8F0;
  --border-strong: #CFD8E3;
  --text: #0F1F38;           /* headings */
  --text-body: #3E4C63;      /* paragraphs */
  --text-muted: #5B6B82;     /* small print */
  --text-on-dark: #C9D4E3;
  --text-on-dark-muted: #9FB0C8;

  /* Status */
  --danger: #B42318;
  --danger-bg: #FEF3F2;
  --danger-border: #FECDCA;
  --info-bg: #EFF6FF;
  --info-border: #BFDBFE;
  --info-text: #1E3A8A;

  /* Typography */
  --font: "Inter", "Inter Fallback", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  /* Shape & depth */
  --radius-sm: 10px;
  --radius: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --shadow-sm: 0 1px 2px rgba(10, 26, 51, 0.05), 0 2px 8px -2px rgba(10, 26, 51, 0.06);
  --shadow-md: 0 1px 2px rgba(10, 26, 51, 0.04), 0 12px 32px -12px rgba(10, 26, 51, 0.16);
  --shadow-lg: 0 2px 4px rgba(10, 26, 51, 0.04), 0 24px 56px -20px rgba(10, 26, 51, 0.28);
  --shadow-xl: 0 40px 80px -28px rgba(3, 10, 24, 0.6), 0 12px 24px -12px rgba(3, 10, 24, 0.3);

  /* Layout */
  --container: 1200px;
  --gutter: 16px;
  --header-h: 64px;
  --mobile-bar-h: 72px;
  --focus: var(--accent);

  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

@media (min-width: 768px) {
  :root { --gutter: 28px; --header-h: 72px; }
}
@media (min-width: 1200px) {
  :root { --gutter: 32px; }
}

/* =============================================================================
   2. FONTS — Inter, hosted with the site (fast and private: no Google Fonts call)
   ============================================================================= */
@font-face {
  font-family: "Inter";
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url("assets/fonts/inter-latin-var.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* Fallback tuned to Inter's size so text doesn't jump when the font loads */
@font-face {
  font-family: "Inter Fallback";
  src: local("Arial");
  ascent-override: 90.44%;
  descent-override: 22.52%;
  line-gap-override: 0%;
  size-adjust: 107.12%;
}

/* =============================================================================
   3. BASE & RESETS
   ============================================================================= */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text-body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
@supports (overflow-x: clip) {
  body { overflow-x: clip; }
}

h1, h2, h3, h4 {
  margin: 0;
  color: var(--text);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.022em;
  text-wrap: balance;
}
p { margin: 0 0 1rem; text-wrap: pretty; }
p:last-child { margin-bottom: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 3px; }
[data-config="phoneDisplay"] { white-space: nowrap; } /* phone numbers never break across lines */
a:hover { color: var(--accent-dark); }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
fieldset { margin: 0; padding: 0; border: 0; min-width: 0; }
legend { padding: 0; }
blockquote, figure { margin: 0; }
[hidden] { display: none !important; }

::selection { background: rgba(45, 212, 174, 0.3); color: var(--navy-900); }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 6px;
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0);
  white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute;
  left: 12px; top: -100px;
  z-index: 200;
  padding: 12px 18px;
  background: var(--navy-900);
  color: var(--white);
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus { top: 12px; color: var(--white); }

/* =============================================================================
   4. LAYOUT HELPERS
   ============================================================================= */
.container {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

/* =============================================================================
   5. ICONS & BUTTONS
   ============================================================================= */
.icon-sprite { position: absolute; width: 0; height: 0; overflow: hidden; }

.icon {
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-tile {
  display: inline-grid;
  place-items: center;
  flex-shrink: 0;
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--accent-soft);
  color: var(--accent);
  box-shadow: inset 0 0 0 1px rgba(11, 125, 105, 0.12);
}
.icon-tile .icon { width: 22px; height: 22px; }
.icon-tile-lg { width: 52px; height: 52px; border-radius: 14px; }
.icon-tile-lg .icon { width: 26px; height: 26px; }
.icon-tile-sm { width: 36px; height: 36px; border-radius: 10px; }
.icon-tile-sm .icon { width: 19px; height: 19px; }
.icon-tile-glass {
  background: rgba(255, 255, 255, 0.08);
  color: var(--accent-light);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.14);
}

.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  min-height: 48px;
  padding: 0.75rem 1.375rem;
  border: 1.5px solid transparent;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 650;
  line-height: 1.2;
  letter-spacing: -0.005em;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background-color 0.2s, border-color 0.2s, color 0.2s;
}
.btn .icon { width: 1.15em; height: 1.15em; }
.btn:active { transform: translateY(0) scale(0.99); }

.btn-primary {
  color: var(--white);
  background-color: var(--accent);
  background-image: linear-gradient(180deg, var(--accent) 0%, var(--accent-dark) 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.16), 0 10px 24px -10px rgba(11, 125, 105, 0.7), 0 2px 4px rgba(10, 26, 51, 0.1);
}
.btn-primary:hover {
  color: var(--white);
  transform: translateY(-1px);
  background-color: var(--accent-dark);
  background-image: linear-gradient(180deg, var(--accent-dark) 0%, #075548 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.16), 0 16px 32px -12px rgba(11, 125, 105, 0.75), 0 2px 4px rgba(10, 26, 51, 0.12);
}
.btn-primary .icon:last-child { transition: transform 0.2s var(--ease); }
.btn-primary:hover .icon:last-child { transform: translateX(2px); }

.btn-secondary {
  color: var(--white);
  background: var(--navy-800);
  box-shadow: 0 8px 20px -10px rgba(10, 26, 51, 0.6);
}
.btn-secondary:hover { color: var(--white); background: var(--navy-700); transform: translateY(-1px); }

.btn-outline {
  color: var(--navy-800);
  background: var(--white);
  border-color: var(--border-strong);
}
.btn-outline:hover { color: var(--navy-900); border-color: var(--navy-700); transform: translateY(-1px); box-shadow: var(--shadow-sm); }

.btn-glass {
  color: var(--white);
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(255, 255, 255, 0.22);
  -webkit-backdrop-filter: blur(8px);
  backdrop-filter: blur(8px);
}
.btn-glass:hover { color: var(--white); background: rgba(255, 255, 255, 0.13); border-color: rgba(255, 255, 255, 0.36); transform: translateY(-1px); }

.btn-ghost { color: var(--accent); background: transparent; padding-inline: 0.75rem; }
.btn-ghost:hover { color: var(--accent-dark); background: var(--accent-soft); }

.btn-sm { min-height: 42px; padding: 0.5rem 1.05rem; font-size: 0.9375rem; }
.btn-lg { min-height: 56px; padding: 0.95rem 1.75rem; font-size: 1.0625rem; }
.btn-xl { min-height: 64px; padding: 1.1rem 2rem; font-size: 1.125rem; font-weight: 700; }
.btn-block { display: flex; width: 100%; }

/* =============================================================================
   6. HEADER & NAVIGATION
   ============================================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.86);
  -webkit-backdrop-filter: saturate(1.6) blur(14px);
  backdrop-filter: saturate(1.6) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s, box-shadow 0.25s, background-color 0.25s;
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.94);
  border-bottom-color: var(--border);
  box-shadow: 0 6px 24px -16px rgba(10, 26, 51, 0.3);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  height: var(--header-h);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--navy-900);
  text-decoration: none;
  flex-shrink: 0;
}
.brand:hover { color: var(--navy-900); }
.brand-mark { width: 36px; height: 36px; border-radius: 11px; box-shadow: 0 6px 14px -6px rgba(11, 125, 105, 0.6); }
.brand-name { font-size: 1.25rem; font-weight: 800; letter-spacing: -0.035em; }
.brand-name span { color: var(--accent); }
.brand-light, .brand-light:hover { color: var(--white); }
.brand-light .brand-name span { color: var(--accent-light); }

.main-nav { display: none; }
.main-nav ul { display: flex; gap: 4px; }
.main-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  padding: 0 14px;
  border-radius: 999px;
  color: var(--text-body);
  font-size: 0.9375rem;
  font-weight: 550;
  text-decoration: none;
  transition: color 0.2s, background-color 0.2s;
}
.main-nav a:hover { color: var(--navy-900); background: var(--surface-2); }

.header-actions { display: flex; align-items: center; gap: 10px; }
.header-cta { display: none; }

.lang-toggle {
  display: inline-flex;
  padding: 3px;
  border-radius: 999px;
  background: var(--surface-2);
  box-shadow: inset 0 0 0 1px var(--border);
}
.lang-toggle button {
  min-width: 44px;
  height: 36px;
  padding: 0 10px;
  border: 0;
  border-radius: 999px;
  background: transparent;
  color: var(--text-muted);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  transition: background-color 0.2s, color 0.2s, box-shadow 0.2s;
}
.lang-toggle button:hover { color: var(--navy-900); }
.lang-toggle button[aria-pressed="true"] {
  background: var(--white);
  color: var(--navy-900);
  box-shadow: 0 1px 2px rgba(10, 26, 51, 0.12), 0 2px 6px -2px rgba(10, 26, 51, 0.12);
}

.menu-toggle {
  display: inline-grid;
  place-items: center;
  width: 44px; height: 44px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--white);
  color: var(--navy-900);
}
.menu-toggle .icon { width: 22px; height: 22px; }
.menu-toggle .icon-close { display: none; }
.menu-toggle[aria-expanded="true"] .icon-open { display: none; }
.menu-toggle[aria-expanded="true"] .icon-close { display: block; }

.mobile-menu {
  position: absolute;
  top: 100%;
  left: 0; right: 0;
  max-height: calc(100vh - var(--header-h));
  max-height: calc(100dvh - var(--header-h));
  overflow-y: auto;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 24px 40px -24px rgba(10, 26, 51, 0.35);
  padding: 8px 0 20px;
  opacity: 0;
  transform: translateY(-8px);
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease);
}
.mobile-menu.is-open { opacity: 1; transform: none; }
.mobile-menu li a {
  display: flex;
  align-items: center;
  min-height: 54px;
  border-bottom: 1px solid var(--border);
  color: var(--navy-900);
  font-size: 1.0625rem;
  font-weight: 600;
  text-decoration: none;
}
.mobile-menu-actions { display: grid; gap: 10px; margin-top: 18px; }

@media (min-width: 640px) {
  .header-cta { display: inline-flex; }
}
@media (min-width: 1000px) {
  .main-nav { display: block; }
  .menu-toggle, .mobile-menu { display: none !important; }
}

/* =============================================================================
   7. HERO
   ============================================================================= */
.hero {
  --focus: var(--accent-light);
  position: relative;
  overflow: hidden;
  color: var(--text-on-dark);
  background: var(--navy-900);
  padding: 36px 0 104px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(55% 45% at 88% 8%, rgba(45, 212, 174, 0.22), transparent 70%),
    radial-gradient(45% 55% at 0% 35%, rgba(59, 130, 246, 0.16), transparent 72%),
    radial-gradient(60% 40% at 50% 115%, rgba(45, 212, 174, 0.12), transparent 70%),
    linear-gradient(180deg, var(--navy-900) 0%, #0C2142 100%);
}
.hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(ellipse 75% 60% at 60% 25%, #000 25%, transparent 75%);
  mask-image: radial-gradient(ellipse 75% 60% at 60% 25%, #000 25%, transparent 75%);
}
.hero-grid { position: relative; display: grid; gap: 44px; align-items: center; }

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  max-width: 100%;
  margin-bottom: 20px;
  padding: 7px 14px 7px 12px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.12);
  color: #D5EFE9;
  font-size: 0.8125rem;
  font-weight: 600;
  line-height: 1.35;
}
.pulse-dot {
  position: relative;
  flex-shrink: 0;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--accent-bright);
}
.pulse-dot::after {
  content: "";
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid var(--accent-bright);
  opacity: 0;
  animation: pulse 2.4s ease-out infinite;
}

.hero-title {
  color: var(--white);
  font-size: clamp(2.125rem, 1.35rem + 3.6vw, 4rem);
  line-height: 1.07;
  letter-spacing: -0.035em;
  margin-bottom: 18px;
}
.text-gradient {
  color: var(--accent-light);
  background: linear-gradient(92deg, #7FF0D8 0%, var(--accent-bright) 45%, #7DD3FC 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.hero-subtitle {
  max-width: 34rem;
  margin-bottom: 28px;
  color: var(--text-on-dark);
  font-size: 1.0625rem;
  line-height: 1.6;
}
.hero-ctas { display: grid; gap: 12px; margin-bottom: 22px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 8px 20px; color: var(--text-on-dark-muted); font-size: 0.9375rem; font-weight: 500; }
.hero-points li { display: inline-flex; align-items: center; gap: 7px; }
.hero-points .icon { width: 17px; height: 17px; color: var(--accent-bright); stroke-width: 2.4; }

/* Hero visual */
.hero-visual {
  position: relative;
  display: grid;
  place-items: center;
  padding: 40px 0 44px;
  margin-inline: auto;
  width: 100%;
  max-width: 520px;
}
.orbit {
  position: absolute;
  top: 50%; left: 50%;
  border-radius: 50%;
  border: 1px dashed rgba(255, 255, 255, 0.12);
  transform: translate(-50%, -50%);
}
.orbit-1 { width: 108%; aspect-ratio: 1; animation: orbit-spin 120s linear infinite; }
.orbit-2 { width: 78%; aspect-ratio: 1; border-style: solid; border-color: rgba(45, 212, 174, 0.14); }
.hero-glow {
  position: absolute;
  top: 50%; left: 50%;
  width: 70%; aspect-ratio: 1;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(45, 212, 174, 0.28), transparent 65%);
  filter: blur(10px);
}

.policy-card {
  position: relative;
  z-index: 2;
  width: min(330px, 88%);
  padding: 18px;
  border-radius: 24px;
  background: var(--white);
  color: var(--text-body);
  box-shadow: var(--shadow-xl), inset 0 0 0 1px rgba(255, 255, 255, 0.6);
  animation: float 7s ease-in-out infinite;
}
.pc-head { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.pc-icon {
  display: grid; place-items: center;
  width: 42px; height: 42px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-700), var(--accent));
  color: var(--white);
}
.pc-icon .icon { width: 22px; height: 22px; }
.pc-title { margin: 0; color: var(--text); font-size: 0.98rem; font-weight: 750; letter-spacing: -0.01em; line-height: 1.3; }
.pc-sub { margin: 0; color: var(--text-muted); font-size: 0.8125rem; line-height: 1.3; }
.pc-illustration { width: 100%; height: auto; margin-bottom: 14px; border-radius: 16px; }
.pc-list { display: grid; gap: 8px; margin-bottom: 14px; }
.pc-list li { display: flex; align-items: center; gap: 9px; font-size: 0.875rem; font-weight: 550; color: var(--text); line-height: 1.35; }
.pc-list .icon {
  width: 20px; height: 20px; padding: 3px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  stroke-width: 2.6;
}
.pc-agent {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 14px;
  background: var(--surface);
  box-shadow: inset 0 0 0 1px var(--border);
}
.pc-avatar {
  display: grid; place-items: center;
  flex-shrink: 0;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: var(--white);
  font-size: 0.8125rem;
  font-weight: 750;
}
.pc-agent div { display: grid; min-width: 0; line-height: 1.25; }
.pc-agent-label { color: var(--text-muted); font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; }
.pc-agent strong { color: var(--text); font-size: 0.875rem; font-weight: 700; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.pc-online { margin-left: auto; flex-shrink: 0; width: 10px; height: 10px; border-radius: 50%; background: #22C55E; box-shadow: 0 0 0 4px rgba(34, 197, 94, 0.18); }

.float-chip {
  position: absolute;
  z-index: 3;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 14px 9px 9px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 18px 40px -16px rgba(3, 10, 24, 0.6);
  color: var(--text);
  line-height: 1.2;
  animation: float 8s ease-in-out infinite;
}
.float-chip strong { display: block; font-size: 0.8125rem; font-weight: 700; white-space: nowrap; }
.float-chip small { display: block; color: var(--text-muted); font-size: 0.72rem; font-weight: 500; white-space: nowrap; }
.chip-icon {
  display: grid; place-items: center;
  width: 34px; height: 34px;
  border-radius: 10px;
  background: var(--accent-soft);
  color: var(--accent);
}
.chip-icon .icon { width: 18px; height: 18px; }
.chip-1 { top: 0; left: 0; animation-delay: -2s; }
.chip-2 { display: none; animation-delay: -1s; }
.chip-3 { bottom: 0; right: 0; animation-delay: -4s; }

@media (min-width: 560px) {
  .hero-ctas { display: flex; flex-wrap: wrap; }
}

@media (min-width: 768px) {
  .hero { padding: 64px 0 136px; }
  .hero-subtitle { font-size: 1.1875rem; }
  .policy-card { width: 340px; padding: 20px; }
}

@media (min-width: 1024px) {
  .hero { padding: 84px 0 150px; }
  .hero-grid { grid-template-columns: 1.08fr 0.92fr; gap: 48px; }
  .hero-eyebrow { font-size: 0.875rem; }
  .hero-visual { min-height: 560px; max-width: none; padding: 0; }
  .chip-1 { top: 4%; left: -2%; }
  .chip-2 { display: flex; bottom: 2%; left: -4%; }
  .chip-3 { top: 42%; bottom: auto; right: -4%; }
}

/* =============================================================================
   8. TRUST INDICATORS (cards overlapping the bottom of the hero)
   ============================================================================= */
.trust {
  position: relative;
  z-index: 2;
  margin-top: -64px;
  background: linear-gradient(180deg, transparent 64px, var(--surface) 64px);
}
.trust-grid { display: grid; gap: 10px; }
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px;
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(15, 37, 71, 0.06);
}
.trust-item h3 { margin-bottom: 4px; font-size: 0.9375rem; font-weight: 750; letter-spacing: -0.01em; line-height: 1.3; }
.trust-item p { margin: 0; color: var(--text-muted); font-size: 0.875rem; line-height: 1.5; }

@media (min-width: 640px) {
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 768px) {
  .trust { margin-top: -84px; background: linear-gradient(180deg, transparent 84px, var(--surface) 84px); }
  .trust-grid { gap: 16px; }
  .trust-item { padding: 22px; }
  .trust-item h3 { font-size: 1rem; }
  .trust-item p { font-size: 0.875rem; }
}
@media (min-width: 1024px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); }
}

/* =============================================================================
   9. SECTIONS (shared)
   ============================================================================= */
.section { position: relative; padding: 72px 0; }
.section-head { max-width: 760px; margin: 0 auto 40px; text-align: center; }
.section h2 { font-size: clamp(1.75rem, 1.2rem + 2.3vw, 2.75rem); letter-spacing: -0.03em; margin-bottom: 14px; }
.section-sub { color: var(--text-body); font-size: 1.0625rem; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  color: var(--accent);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 18px; height: 2px; border-radius: 2px; background: currentColor; opacity: 0.7; }
.eyebrow-light { color: var(--accent-light); }
.fine-print { max-width: 820px; margin: 32px auto 0; color: var(--text-muted); font-size: 0.8125rem; line-height: 1.6; text-align: center; }

@media (min-width: 768px) {
  .section { padding: 104px 0; }
  .section-head { margin-bottom: 56px; }
  .section-sub { font-size: 1.125rem; }
}

/* =============================================================================
   10. PRODUCTS
   ============================================================================= */
.products { background: var(--surface); padding-top: 64px; }
.product-grid { display: grid; gap: 20px; max-width: 640px; margin-inline: auto; }
.product-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 26px 22px 22px;
  border-radius: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
}
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: rgba(11, 125, 105, 0.28); }
.product-card h3 { margin-bottom: 10px; font-size: 1.375rem; letter-spacing: -0.025em; }
.product-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.product-tag {
  margin: 0;
  padding: 5px 11px;
  border-radius: 999px;
  background: var(--surface-2);
  color: var(--text-body);
  font-size: 0.75rem;
  font-weight: 650;
  line-height: 1.3;
  text-align: right;
}
.product-desc { color: var(--text-body); font-size: 0.98rem; }
.check-list { display: grid; gap: 10px; margin: 4px 0 18px; }
.check-list li { display: flex; gap: 10px; color: var(--text); font-size: 0.9375rem; font-weight: 520; line-height: 1.45; }
.check-list .icon {
  width: 20px; height: 20px; padding: 3px; margin-top: 1px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  stroke-width: 2.6;
}
.product-note {
  margin: 0 0 20px;
  padding: 12px 14px;
  border-radius: 12px;
  background: var(--surface);
  color: var(--text-muted);
  font-size: 0.8125rem;
  line-height: 1.55;
}
.product-note strong { color: var(--text); }
.product-cta { margin-top: auto; }

.product-badge {
  position: absolute;
  top: -13px;
  left: 22px;
  display: none;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--accent);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  box-shadow: 0 8px 18px -8px rgba(11, 125, 105, 0.8);
}
.product-card.is-selected { border: 2px solid var(--accent); box-shadow: 0 0 0 6px rgba(11, 125, 105, 0.08), var(--shadow-lg); }
.product-card.is-selected .product-badge { display: inline-block; }
.product-card.is-selected { order: -1; }

@media (min-width: 1024px) {
  .product-grid { grid-template-columns: repeat(3, 1fr); max-width: none; gap: 24px; }
  .product-card { padding: 30px 28px 26px; }
  .product-card.is-selected { order: 0; }
}

/* =============================================================================
   11. WHY IT MATTERS
   ============================================================================= */
.why-grid { display: grid; gap: 40px; }
.why-quote {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-top: 28px;
  padding: 22px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  box-shadow: var(--shadow-lg);
}
.why-quote .icon { width: 28px; height: 28px; color: var(--accent-light); }
.why-quote blockquote { font-size: 1.125rem; font-weight: 650; line-height: 1.45; letter-spacing: -0.01em; }
.why-list { display: grid; gap: 14px; }
.why-item {
  padding: 22px;
  border-radius: var(--radius-lg);
  background: var(--surface);
  border: 1px solid transparent;
  transition: border-color 0.25s, background-color 0.25s, transform 0.25s var(--ease);
}
.why-item:hover { background: var(--white); border-color: var(--border); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.why-item { display: grid; grid-template-columns: auto 1fr; column-gap: 16px; }
.why-item .icon-tile { grid-row: span 2; }
.why-item h3 { margin-bottom: 6px; font-size: 1.125rem; letter-spacing: -0.015em; }
.why-item p { margin: 0; color: var(--text-body); font-size: 0.9375rem; }

@media (min-width: 600px) {
  .why-list { grid-template-columns: 1fr 1fr; gap: 16px; }
  .why-item { display: block; }
  .why-item .icon-tile { margin-bottom: 14px; }
}
@media (min-width: 1024px) {
  .why-grid { grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; }
  .why-item { padding: 26px; }
}

/* =============================================================================
   12. HOW IT WORKS
   ============================================================================= */
.how { background: var(--surface); }
.steps { position: relative; display: grid; gap: 16px; counter-reset: step; }
.step {
  position: relative;
  padding: 24px;
  border-radius: var(--radius-lg);
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.step-num {
  position: absolute;
  top: 8px; right: 18px;
  color: var(--surface-2);
  font-size: 4.5rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.05em;
  pointer-events: none;
}
.step .icon-tile { position: relative; margin-bottom: 16px; background: linear-gradient(135deg, var(--navy-800), var(--navy-600)); color: var(--white); box-shadow: 0 10px 20px -10px rgba(10, 26, 51, 0.7); }
.step-label { position: relative; margin-bottom: 6px; color: var(--accent); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; }
.step h3 { position: relative; margin-bottom: 8px; font-size: 1.1875rem; letter-spacing: -0.015em; }
.step p:last-child { position: relative; color: var(--text-body); font-size: 0.98rem; }
.how-cta { display: grid; justify-items: center; gap: 14px; margin-top: 40px; text-align: center; }
.how-call { margin: 0; color: var(--text-muted); font-size: 0.98rem; }
.how-call a { color: var(--navy-900); font-weight: 700; text-decoration: none; white-space: nowrap; }
.how-call a:hover { color: var(--accent); text-decoration: underline; }

@media (min-width: 900px) {
  .steps { grid-template-columns: repeat(3, 1fr); gap: 24px; }
  .steps::before {
    content: "";
    position: absolute;
    top: 50px; left: 12%; right: 12%;
    border-top: 2px dashed var(--border-strong);
  }
  .step { padding: 28px; }
}

/* =============================================================================
   13. ABOUT THE AGENT
   ============================================================================= */
.about-grid { display: grid; gap: 40px; align-items: center; }
.about-media { display: flex; justify-content: center; }
.photo-frame {
  position: relative;
  width: 100%;
  max-width: 300px;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: linear-gradient(150deg, var(--navy-800) 0%, var(--navy-700) 45%, var(--accent) 120%);
  box-shadow: var(--shadow-lg);
}
.agent-photo { width: 100%; height: 100%; object-fit: cover; }
.photo-placeholder {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  background:
    radial-gradient(circle at 30% 20%, rgba(94, 234, 212, 0.28), transparent 45%),
    radial-gradient(circle at 80% 90%, rgba(59, 130, 246, 0.22), transparent 45%);
}
.photo-placeholder::before,
.photo-placeholder::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.12);
}
.photo-placeholder::before { width: 78%; aspect-ratio: 1; }
.photo-placeholder::after { width: 54%; aspect-ratio: 1; border-color: rgba(94, 234, 212, 0.25); }
.monogram { position: relative; color: var(--white); font-size: clamp(4rem, 14vw, 6rem); font-weight: 800; letter-spacing: -0.05em; text-shadow: 0 10px 30px rgba(0, 0, 0, 0.25); }
.photo-badge {
  position: absolute;
  left: 14px; bottom: 14px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px 8px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.95);
  color: var(--text);
  font-size: 0.8125rem;
  font-weight: 600;
  box-shadow: 0 10px 24px -12px rgba(3, 10, 24, 0.6);
}
.photo-badge .icon { width: 18px; height: 18px; color: var(--accent); }

.about-copy h2 { margin-bottom: 6px; }
.about-role { margin-bottom: 18px; color: var(--accent); font-size: 1.0625rem; font-weight: 650; }
.about-copy > p { font-size: 1.0625rem; }
.about-points { display: grid; gap: 14px; margin: 24px 0; }
.about-points li { display: flex; gap: 14px; align-items: flex-start; }
.about-points strong { display: block; color: var(--text); font-size: 1rem; font-weight: 700; }
.about-points span:not(.icon-tile) { display: block; color: var(--text-muted); font-size: 0.9375rem; line-height: 1.5; }
.credential-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; }
.credential-chips li {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 13px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--text);
  font-size: 0.875rem;
  font-weight: 600;
}
.credential-chips .icon { width: 17px; height: 17px; color: var(--accent); }
.about-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 18px; }
.about-ctas .btn { flex: 1 1 200px; }
.verify-link { color: var(--text-muted); font-size: 0.875rem; font-weight: 550; }
.verify-link .icon { display: inline-block; width: 15px; height: 15px; margin-left: 4px; vertical-align: -2px; }
.verify-link:hover { color: var(--accent); }

@media (min-width: 900px) {
  .about-grid { grid-template-columns: 0.85fr 1.15fr; gap: 72px; }
  .photo-frame { max-width: 440px; }
  .photo-badge { left: 20px; bottom: 20px; }
  .about-ctas .btn { flex: 0 0 auto; }
}

/* =============================================================================
   14. FAQ ACCORDION
   ============================================================================= */
.faq { background: var(--surface); }
.faq-grid { display: grid; gap: 36px; }
.faq-intro .section-sub { margin-bottom: 24px; }
.faq-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 20px; }
.faq-call { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; color: var(--navy-900); font-weight: 700; text-decoration: none; }
.faq-call .icon { color: var(--accent); }
.faq-call:hover { color: var(--accent); }

.accordion { display: grid; gap: 12px; }
.acc-item {
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--border);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.acc-item:hover { border-color: var(--border-strong); }
.acc-item.is-open { border-color: rgba(11, 125, 105, 0.35); box-shadow: var(--shadow-md); }
.acc-item h3 { font-size: inherit; letter-spacing: normal; }
.acc-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  min-height: 64px;
  padding: 16px 18px;
  border: 0;
  border-radius: var(--radius);
  background: transparent;
  color: var(--text);
  font-size: 1rem;
  font-weight: 650;
  line-height: 1.4;
  letter-spacing: -0.01em;
  text-align: left;
}
.acc-trigger .icon {
  width: 30px; height: 30px; padding: 6px;
  border-radius: 50%;
  background: var(--surface-2);
  color: var(--navy-800);
  stroke-width: 2.2;
  transition: transform 0.3s var(--ease), background-color 0.3s, color 0.3s;
}
.acc-trigger[aria-expanded="true"] .icon { transform: rotate(45deg); background: var(--accent); color: var(--white); }
.acc-inner p { padding: 0 18px 20px; color: var(--text-body); font-size: 0.98rem; line-height: 1.65; }

/* Collapsing only happens when JavaScript runs, so content stays readable without it */
.js .acc-panel {
  display: grid;
  grid-template-rows: 0fr;
  visibility: hidden;
  transition: grid-template-rows 0.32s var(--ease), visibility 0s linear 0.32s;
}
.js .acc-panel.is-open { grid-template-rows: 1fr; visibility: visible; transition: grid-template-rows 0.32s var(--ease), visibility 0s; }
.js .acc-inner { overflow: hidden; min-height: 0; }

@media (min-width: 768px) {
  .acc-trigger { padding: 18px 22px; font-size: 1.0625rem; }
  .acc-inner p { padding: 0 22px 22px; }
}
@media (min-width: 1024px) {
  .faq-grid { grid-template-columns: 0.8fr 1.2fr; gap: 64px; align-items: start; }
  .faq-intro { position: sticky; top: calc(var(--header-h) + 32px); }
}

/* =============================================================================
   15. LEAD FORM
   ============================================================================= */
.quote {
  --focus: var(--accent-light);
  overflow: hidden;
  background: var(--navy-900);
  color: var(--text-on-dark);
}
.quote-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(50% 50% at 0% 0%, rgba(45, 212, 174, 0.18), transparent 70%),
    radial-gradient(45% 50% at 100% 100%, rgba(59, 130, 246, 0.16), transparent 70%),
    linear-gradient(160deg, var(--navy-900), #0D2446);
}
.quote-grid {
  position: relative;
  display: grid;
  gap: 28px;
  grid-template-areas: "intro" "card" "call";
}
.quote-intro { grid-area: intro; }
.quote-card { grid-area: card; }
.quote-call { grid-area: call; }
.quote h2 { color: var(--white); }
.quote-sub { color: var(--text-on-dark); font-size: 1.0625rem; margin-bottom: 22px; }
.quote-benefits { display: grid; gap: 10px; }
.quote-benefits li { display: flex; gap: 8px; align-items: flex-start; color: var(--white); font-size: 0.875rem; font-weight: 550; line-height: 1.4; }
.quote-benefits .icon { width: 19px; height: 19px; margin-top: 1px; color: var(--accent-bright); }

.quote-call {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.05);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.1);
}
.quote-call p { margin: 0; font-size: 0.9375rem; color: var(--text-on-dark); }
.quote-call .quote-call-title { color: var(--white); font-weight: 700; }
.quote-call a { color: var(--white); font-weight: 750; white-space: nowrap; }
.quote-call a:hover { color: var(--accent-light); }

.quote-card {
  --focus: var(--accent);
  position: relative;
  padding: 24px 18px;
  border-radius: 24px;
  background: var(--white);
  color: var(--text-body);
  box-shadow: var(--shadow-xl);
}
.form-head { margin-bottom: 18px; }
.form-head h3 { margin-bottom: 2px; font-size: 1.25rem; letter-spacing: -0.02em; }
.form-head p { margin: 0; color: var(--text-muted); font-size: 0.875rem; }

/* Honeypot: invisible to people */
.hp-field { position: absolute; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }

.field { margin-bottom: 16px; }
.field > label:not(.consent),
.choice-field > legend {
  display: block;
  margin-bottom: 7px;
  color: var(--text);
  font-size: 0.9375rem;
  font-weight: 650;
  line-height: 1.35;
}
.field input[type="text"],
.field input[type="tel"],
.field input[type="email"],
.field select {
  display: block;
  width: 100%;
  height: 54px;
  padding: 0 15px;
  border: 1.5px solid var(--border-strong);
  border-radius: 12px;
  background: #FBFCFE;
  color: var(--text);
  font-size: 1rem; /* 16px+ prevents iPhone zoom on focus */
  font-weight: 500;
  transition: border-color 0.2s, box-shadow 0.2s, background-color 0.2s;
  -webkit-appearance: none;
  appearance: none;
}
.field input::placeholder { color: #66758B; font-weight: 400; opacity: 1; }
.field input:hover, .field select:hover { border-color: #AEBBCD; }
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--accent);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(11, 125, 105, 0.16);
}
.select-wrap { position: relative; }
.select-wrap::after {
  content: "";
  position: absolute;
  top: 50%; right: 17px;
  width: 9px; height: 9px;
  border-right: 2px solid var(--text-muted);
  border-bottom: 2px solid var(--text-muted);
  transform: translateY(-70%) rotate(45deg);
  pointer-events: none;
}
.field select { padding-right: 44px; cursor: pointer; }
.field select:invalid { color: #66758B; font-weight: 400; }
.field select option { color: var(--text); }

.field.is-invalid input,
.field.is-invalid select { border-color: var(--danger); background: #FFFBFA; }
.field.is-invalid input:focus,
.field.is-invalid select:focus { box-shadow: 0 0 0 4px rgba(180, 35, 24, 0.14); }

.field-error {
  display: flex;
  gap: 6px;
  margin: 7px 0 0;
  color: var(--danger);
  font-size: 0.875rem;
  font-weight: 550;
  line-height: 1.4;
}
.field-error:empty { display: none; }
.field-error::before { content: "!"; display: inline-grid; place-items: center; flex-shrink: 0; width: 17px; height: 17px; margin-top: 1px; border-radius: 50%; background: var(--danger); color: var(--white); font-size: 0.7rem; font-weight: 800; }
.field-error.is-info { color: var(--info-text); }
.field-error.is-info::before { content: "i"; background: var(--info-text); }
.field-hint { margin: 7px 0 0; color: var(--text-body); font-size: 0.875rem; }
.field-hint button {
  margin-left: 4px;
  padding: 2px 0;
  border: 0;
  background: none;
  color: var(--accent);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.field-row { display: grid; gap: 0 14px; }
.field-row-age { grid-template-columns: 5.75rem 1fr; }

/* Age + State share a row; their error messages run full width underneath */
.field-row-age {
  grid-template-areas: "age-label state-label" "age-input state-input" "age-error age-error" "state-error state-error";
  align-items: end;
  margin-bottom: 16px;
}
.field-row-age > .field { display: contents; }
.field-row-age [data-field="age"] > label { grid-area: age-label; }
.field-row-age #age { grid-area: age-input; }
.field-row-age #age-error { grid-area: age-error; }
.field-row-age [data-field="state"] > label { grid-area: state-label; }
.field-row-age .select-wrap { grid-area: state-input; }
.field-row-age #state-error { grid-area: state-error; }

/* Choice "chips" (radio buttons styled as tappable pills) */
.chips { display: grid; gap: 8px; }
.chips-2 { grid-template-columns: repeat(2, 1fr); }
.chips-3 { grid-template-columns: repeat(3, 1fr); }
.chips-4 { grid-template-columns: repeat(2, 1fr); }
.chip { position: relative; display: block; cursor: pointer; }
.chip input { position: absolute; inset: 0; z-index: 1; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.chip span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 8px 10px;
  border: 1.5px solid var(--border-strong);
  border-radius: 12px;
  background: #FBFCFE;
  color: var(--text);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.25;
  text-align: center;
  transition: border-color 0.2s, background-color 0.2s, color 0.2s, box-shadow 0.2s;
}
.chip:hover span { border-color: #AEBBCD; }
.chip input:checked + span {
  border-color: var(--accent);
  background: var(--accent-soft);
  color: #075548;
  box-shadow: inset 0 0 0 1px var(--accent);
}
.chip input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }
.choice-field.is-invalid .chip span { border-color: var(--danger); }

/* Consent checkbox */
.consent-field { margin-top: 4px; padding: 14px; border-radius: 14px; background: var(--surface); }
.consent { position: relative; display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.consent input { position: absolute; top: 0; left: 0; z-index: 1; width: 26px; height: 26px; margin: 0; opacity: 0; cursor: pointer; }
.consent-box {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 26px; height: 26px;
  border: 2px solid #9AA8BC;
  border-radius: 8px;
  background: var(--white);
  color: var(--white);
  transition: background-color 0.2s, border-color 0.2s;
}
.consent-box .icon { width: 17px; height: 17px; stroke-width: 3; opacity: 0; transform: scale(0.6); transition: opacity 0.15s, transform 0.2s var(--ease); }
.consent input:checked + .consent-box { background: var(--accent); border-color: var(--accent); }
.consent input:checked + .consent-box .icon { opacity: 1; transform: none; }
.consent input:focus-visible + .consent-box { outline: 3px solid var(--accent); outline-offset: 2px; }
.consent-text { color: var(--text); font-size: 0.875rem; font-weight: 500; line-height: 1.5; }
.consent-details { margin: 10px 0 0 38px; color: var(--text-muted); font-size: 0.78rem; line-height: 1.5; }
.consent-field.is-invalid { box-shadow: inset 0 0 0 1.5px var(--danger); background: #FFFBFA; }
.consent-field.is-invalid .consent-box { border-color: var(--danger); }
.consent-field .field-error { margin-left: 38px; }

/* Alerts above the submit button */
.form-alert {
  margin: 4px 0 16px;
  padding: 14px 16px;
  border-radius: 14px;
  border: 1px solid var(--danger-border);
  background: var(--danger-bg);
  color: #7A271A;
  font-size: 0.9375rem;
  line-height: 1.5;
}
.form-alert strong { display: block; margin-bottom: 2px; color: #912018; }
.form-alert p { margin: 0 0 10px; }
.form-alert p:last-child { margin-bottom: 0; }
.form-alert .btn { min-height: 44px; font-size: 0.9375rem; }
.form-alert.is-info { border-color: var(--info-border); background: var(--info-bg); color: var(--info-text); }
.form-alert.is-info strong { color: var(--info-text); }

/* Submit button + loading spinner */
.submit-btn { min-height: 60px; margin-top: 6px; font-size: 1.0625rem; font-weight: 700; }
.spinner {
  display: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  border: 2.5px solid rgba(255, 255, 255, 0.35);
  border-top-color: var(--white);
  animation: spin 0.8s linear infinite;
}
.submit-btn.is-loading { cursor: progress; opacity: 0.92; }
.submit-btn.is-loading .spinner { display: inline-block; }
.submit-btn.is-loading .submit-arrow { display: none; }
.submit-btn:disabled { transform: none; }

.secure-note { display: flex; gap: 9px; margin: 14px 0 0; color: var(--text-muted); font-size: 0.8125rem; line-height: 1.5; }
.secure-note .icon { width: 16px; height: 16px; margin-top: 2px; color: var(--accent); }
.secure-note a { color: var(--text-body); font-weight: 600; }

/* Success state */
.form-success { padding: 8px 2px; text-align: center; }
.success-icon {
  display: grid;
  place-items: center;
  width: 76px; height: 76px;
  margin: 4px auto 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-bright), var(--accent));
  color: var(--white);
  box-shadow: 0 0 0 10px var(--accent-soft), 0 18px 30px -12px rgba(11, 125, 105, 0.7);
  animation: pop 0.5s var(--ease) both;
}
.success-icon .icon { width: 38px; height: 38px; stroke-width: 2.6; }
.form-success h3 { margin-bottom: 10px; font-size: clamp(1.4rem, 1.1rem + 1.2vw, 1.75rem); letter-spacing: -0.025em; }
.form-success h3:focus { outline: none; }
.success-text { color: var(--text-body); font-size: 1.0625rem; }
.success-response { color: var(--text-body); font-weight: 600; }
.success-next {
  margin: 20px 0;
  padding: 16px;
  border-radius: 14px;
  background: var(--surface);
  text-align: left;
}
.success-next p { margin-bottom: 8px; color: var(--text); font-weight: 700; font-size: 0.9375rem; }
.success-next ul { display: grid; gap: 8px; }
.success-next li { display: flex; gap: 10px; color: var(--text-body); font-size: 0.9375rem; line-height: 1.45; }
.success-next .icon { width: 18px; height: 18px; margin-top: 2px; color: var(--accent); }
.success-call-prompt { margin-bottom: 10px; color: var(--text-muted); font-weight: 600; font-size: 0.9375rem; }
.form-success .btn + .btn { margin-top: 10px; }

@media (min-width: 640px) {
  .quote-card { padding: 32px; }
  .field-row { grid-template-columns: 1fr 1fr; }
  .field-row-age { grid-template-columns: 8rem 1fr; }
  .chips-4 { grid-template-columns: repeat(4, 1fr); }
}
@media (min-width: 1024px) {
  .quote-grid {
    grid-template-columns: 0.9fr 1.1fr;
    grid-template-areas: "intro card" "call card";
    grid-template-rows: auto 1fr;
    gap: 28px 64px;
  }
  .quote-intro { padding-top: 24px; }
  .quote-call { align-self: start; }
  .quote-benefits { grid-template-columns: 1fr; gap: 14px; }
  .quote-benefits li { font-size: 1rem; }
  .quote-card { padding: 40px; }
}

/* =============================================================================
   16. FOOTER
   ============================================================================= */
.site-footer {
  --focus: var(--accent-light);
  padding: 56px 0 32px;
  background: var(--navy-950);
  color: var(--text-on-dark-muted);
  font-size: 0.9375rem;
}
.footer-grid { display: grid; gap: 32px; padding-bottom: 32px; border-bottom: 1px solid rgba(255, 255, 255, 0.08); }
.footer-tagline { margin: 14px 0 18px; color: var(--text-on-dark); font-weight: 550; }
.footer-title { margin-bottom: 14px; color: var(--white); font-size: 0.8125rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.footer-col ul { display: grid; gap: 10px; }
.site-footer a { color: var(--text-on-dark); text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-contact strong { color: var(--white); }
.footer-phone { display: inline-flex; align-items: center; gap: 8px; min-height: 32px; font-weight: 650; color: var(--white) !important; }
.footer-phone .icon { width: 17px; height: 17px; color: var(--accent-light); }
.footer-muted { color: var(--text-on-dark-muted); font-size: 0.875rem; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  display: grid;
  place-items: center;
  width: 42px; height: 42px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.06);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.1);
  transition: background-color 0.2s;
}
.footer-social a:hover { background: rgba(255, 255, 255, 0.14); }
.footer-social .icon { width: 20px; height: 20px; color: var(--white); }
.footer-disclaimer { margin: 28px 0 16px; color: var(--text-on-dark-muted); font-size: 0.78rem; line-height: 1.65; }
.footer-copy { margin: 0; color: var(--text-on-dark-muted); font-size: 0.8125rem; }

@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1.3fr 0.8fr; gap: 40px; }
  .site-footer { padding-top: 72px; }
}

/* =============================================================================
   17. MOBILE ACTION BAR (phones only)
   ============================================================================= */
.mobile-bar {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 90;
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 10px;
  padding: 10px max(12px, env(safe-area-inset-right)) calc(10px + env(safe-area-inset-bottom)) max(12px, env(safe-area-inset-left));
  background: rgba(255, 255, 255, 0.94);
  -webkit-backdrop-filter: saturate(1.6) blur(14px);
  backdrop-filter: saturate(1.6) blur(14px);
  border-top: 1px solid var(--border);
  box-shadow: 0 -10px 30px -18px rgba(10, 26, 51, 0.35);
  transition: transform 0.28s var(--ease), opacity 0.28s;
}
.mobile-bar a {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 52px;
  padding: 0 12px;
  border-radius: 14px;
  font-size: 0.98rem;
  font-weight: 700;
  line-height: 1.15;
  text-align: center;
  text-decoration: none;
  -webkit-tap-highlight-color: transparent;
}
.mobile-bar .icon { width: 19px; height: 19px; }
.mobile-bar-call { color: var(--navy-900); background: var(--white); box-shadow: inset 0 0 0 1.5px var(--border-strong); }
.mobile-bar-call .icon { color: var(--accent); }
.mobile-bar-quote { color: var(--white); background: linear-gradient(180deg, var(--accent), var(--accent-dark)); box-shadow: 0 8px 18px -8px rgba(11, 125, 105, 0.8); }
.mobile-bar-quote:hover, .mobile-bar-quote:focus { color: var(--white); }

/* Hidden while typing (keyboard open) or while the menu is open */
.mobile-bar.is-hidden { transform: translateY(110%); opacity: 0; pointer-events: none; }
/* After a successful request, the call button takes the whole bar */
.mobile-bar.is-complete { grid-template-columns: 1fr; }
.mobile-bar.is-complete .mobile-bar-quote { display: none; }

body.has-mobile-bar { padding-bottom: calc(var(--mobile-bar-h) + env(safe-area-inset-bottom)); }

@media (min-width: 768px) {
  .mobile-bar { display: none; }
  body.has-mobile-bar { padding-bottom: 0; }
}

/* =============================================================================
   18. PRIVACY & 404 PAGES
   ============================================================================= */
.page-hero {
  --focus: var(--accent-light);
  position: relative;
  overflow: hidden;
  padding: 48px 0 56px;
  background: var(--navy-900);
  color: var(--text-on-dark);
}
.page-hero .hero-bg::after { -webkit-mask-image: radial-gradient(ellipse 70% 90% at 70% 0%, #000 20%, transparent 75%); mask-image: radial-gradient(ellipse 70% 90% at 70% 0%, #000 20%, transparent 75%); }
.page-hero .container { position: relative; }
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 1.4rem + 2.6vw, 3rem); letter-spacing: -0.03em; margin-bottom: 12px; }
.page-hero .updated { margin: 0; color: var(--text-on-dark-muted); font-size: 0.9375rem; }

.legal { padding: 48px 0 72px; }
.legal-grid { display: grid; gap: 32px; }
.legal-intro { margin-bottom: 32px; padding: 20px 22px; border-radius: var(--radius-lg); background: var(--surface); color: var(--text); font-size: 1.0625rem; line-height: 1.65; }
.legal-toc { padding: 20px; border-radius: var(--radius-lg); border: 1px solid var(--border); background: var(--white); }
.legal-toc p { margin-bottom: 10px; color: var(--text); font-size: 0.8125rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.legal-toc ol { display: grid; gap: 2px; }
.legal-toc a { display: block; padding: 6px 0; color: var(--text-body); font-size: 0.9375rem; text-decoration: none; }
.legal-toc a:hover { color: var(--accent); }
.legal-section { padding: 28px 0; border-top: 1px solid var(--border); }
.legal-section:first-child { border-top: 0; padding-top: 0; }
.legal-section h2 { margin-bottom: 14px; font-size: clamp(1.25rem, 1.1rem + 0.6vw, 1.5rem); letter-spacing: -0.02em; }
.legal-body { color: var(--text-body); font-size: 1rem; line-height: 1.7; }
.legal-body ul { display: grid; gap: 8px; margin: 0 0 1rem; padding-left: 1.25rem; list-style: disc; }
.legal-body li::marker { color: var(--accent); }
.legal-body strong { color: var(--text); }
.legal-contact { display: grid; gap: 8px; margin-top: 12px; }
.legal-contact a { font-weight: 650; }
.legal-back { margin-top: 32px; }

@media (min-width: 1024px) {
  .legal { padding: 72px 0 104px; }
  .legal-grid { grid-template-columns: 270px 1fr; gap: 64px; align-items: start; }
  .legal-toc { position: sticky; top: calc(var(--header-h) + 24px); }
}

.not-found { display: grid; place-items: center; min-height: calc(100vh - var(--header-h)); padding: 64px 0; text-align: center; }
.not-found .code { margin-bottom: 8px; color: var(--accent-light); font-size: 1rem; font-weight: 800; letter-spacing: 0.2em; }
.not-found h1 { margin-bottom: 14px; color: var(--white); font-size: clamp(1.75rem, 1.2rem + 2.4vw, 2.75rem); }
.not-found p { max-width: 30rem; margin-inline: auto; color: var(--text-on-dark); }
.not-found .actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 28px; }

/* Simplified header for secondary pages */
.header-back { display: none; }
@media (min-width: 640px) {
  .header-back { display: inline-flex; }
}

/* =============================================================================
   19. ANIMATIONS & REDUCED MOTION
   ============================================================================= */
.reveal { transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal-ready .reveal:not(.is-visible) { opacity: 0; transform: translateY(18px); }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes orbit-spin { to { transform: translate(-50%, -50%) rotate(360deg); } }
@keyframes pulse {
  0% { transform: scale(0.6); opacity: 0.8; }
  100% { transform: scale(1.8); opacity: 0; }
}
@keyframes pop {
  0% { transform: scale(0.4); opacity: 0; }
  70% { transform: scale(1.06); opacity: 1; }
  100% { transform: scale(1); }
}

@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;
    scroll-behavior: auto !important;
  }
  .reveal-ready .reveal:not(.is-visible) { opacity: 1; transform: none; }
}

/* =============================================================================
   PRINT — keep pages readable on paper
   ============================================================================= */
@media print {
  .site-header, .mobile-bar, .hero-visual, .skip-link { display: none !important; }
  body { padding: 0 !important; }
  .hero, .page-hero, .quote, .site-footer { background: none !important; color: #000 !important; }
  .hero-title, .page-hero h1 { color: #000 !important; }
}