/* ==========================================================================
   Insurance Package Deals - "WARM TRUST" DESIGN SYSTEM
   Palette: Deep Teal (#0F4C4C), Warm Amber (#E8A23D), Soft Ivory (#FAF7F2), Pale Sage (#EDF2EE)
   Typography: 'Plus Jakarta Sans' (Display & UI) & 'Inter' (Body & Reading)
   Aesthetic: Warm, Human, Boutique Advisory with Soft Rounded Cards & Organic Shadows
   ========================================================================== */

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

:root {
  /* Core "Warm Trust" Brand Tokens */
  --primary-teal: #0F4C4C;
  --primary-teal-dark: #0A3636;
  --primary-teal-light: #166B6B;
  --primary-teal-subtle: #EDF4F4;

  --accent-amber: #E8A23D;
  --accent-amber-hover: #D48F28;
  --accent-amber-light: #FDF6EC;
  --accent-amber-glow: rgba(232, 162, 61, 0.35);

  --trust-green: #3E7C59;
  --trust-green-dark: #2F6345;
  --trust-green-light: #EEF6F1;

  /* Surfaces & Backgrounds */
  --bg-main: #FAF7F2;          /* Soft Ivory */
  --bg-alt: #EDF2EE;           /* Pale Sage */
  --bg-surface: #FFFFFF;       /* Crisp Card Surface */
  --bg-surface-elevated: #FFFFFF;
  --bg-teal-gradient: linear-gradient(135deg, #0F4C4C 0%, #166B6B 100%);
  --bg-amber-gradient: linear-gradient(135deg, #E8A23D 0%, #F5B85E 100%);
  --bg-hero-glow: radial-gradient(circle, rgba(15, 76, 76, 0.07) 0%, rgba(232, 162, 61, 0.05) 50%, transparent 70%);

  /* Typography Colors */
  --text-heading: #1C2B27;     /* Charcoal Green */
  --text-body: #4A5550;        /* Slate Gray */
  --text-muted: #6B7A74;       /* Muted Olive Gray */
  --text-light: #FAF7F2;       /* Ivory White */
  --text-amber: #B8761E;

  /* Borders & Dividers */
  --border-color: #E2E9E4;
  --border-subtle: #EBEFEA;
  --border-teal-subtle: rgba(15, 76, 76, 0.15);
  --border-amber-subtle: rgba(232, 162, 61, 0.3);

  /* Warm Elevation Shadows */
  --shadow-xs: 0 1px 3px rgba(28, 43, 39, 0.04);
  --shadow-sm: 0 3px 8px rgba(28, 43, 39, 0.06);
  --shadow-md: 0 8px 24px rgba(15, 76, 76, 0.08);
  --shadow-lg: 0 16px 38px rgba(15, 76, 76, 0.11);
  --shadow-xl: 0 24px 50px rgba(15, 76, 76, 0.14);
  --shadow-amber: 0 8px 25px rgba(232, 162, 61, 0.28);
  --shadow-teal: 0 8px 25px rgba(15, 76, 76, 0.25);

  /* Radii - Soft Rounded Boutique Feel */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 22px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Font Families */
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Transitions */
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-bounce: all 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* ==========================================================================
   1. BASE RESET & TYPOGRAPHY
   ========================================================================== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  overflow-x: hidden;
  background-color: var(--bg-main);
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-heading);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

p {
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

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

a:hover {
  color: var(--accent-amber);
}

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

.container {
  width: 100%;
  max-width: 1220px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

/* Helper Gradient Texts */
.text-gradient {
  background: linear-gradient(135deg, var(--primary-teal) 0%, var(--accent-amber) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.text-gradient-amber {
  background: linear-gradient(135deg, var(--accent-amber) 0%, #D48F28 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.section-padding {
  padding: 5rem 0;
}

.section-title-wrapper {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 3.25rem;
}

.section-badge-pill {
  display: inline-block;
  background: var(--accent-amber-light);
  color: var(--text-amber);
  font-size: 0.775rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.35rem 0.95rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.9rem;
  border: 1px solid var(--border-amber-subtle);
}

.section-title {
  font-size: 2.25rem;
  color: var(--text-heading);
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
  font-weight: 800;
  letter-spacing: -0.025em;
}

.section-subtitle {
  color: var(--text-muted);
  font-size: 1.05rem;
  line-height: 1.6;
}

/* ==========================================================================
   2. TOP NOTICE BAR & PHONE RIBBON
   ========================================================================== */
.notice-bar {
  background: var(--primary-teal-dark);
  color: #D3E0DC;
  font-size: 0.775rem;
  padding: 0.55rem 0;
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.notice-bar p {
  margin: 0;
  line-height: 1.45;
}

.notice-bar strong {
  color: #FFFFFF;
  font-weight: 700;
}

.phone-bar {
  background: var(--primary-teal);
  color: white;
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

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

.phone-bar-left {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition);
}

.phone-bar-left svg {
  width: 17px;
  height: 17px;
  fill: var(--accent-amber);
  filter: drop-shadow(0 0 4px rgba(232, 162, 61, 0.5));
}

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

/* Live Advisor Pulse */
.live-agent-pulse {
  width: 9px;
  height: 9px;
  background-color: var(--accent-amber);
  border-radius: 50%;
  position: relative;
  display: inline-block;
  box-shadow: 0 0 0 rgba(232, 162, 61, 0.6);
  animation: livePulse 2s infinite;
}

@keyframes livePulse {
  0% {
    box-shadow: 0 0 0 0 rgba(232, 162, 61, 0.7);
  }
  70% {
    box-shadow: 0 0 0 8px rgba(232, 162, 61, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(232, 162, 61, 0);
  }
}

.phone-bar-badge {
  background: rgba(232, 162, 61, 0.2);
  border: 1px solid rgba(232, 162, 61, 0.45);
  color: #FFE6BE;
  font-size: 0.725rem;
  padding: 0.18rem 0.6rem;
  border-radius: var(--radius-full);
  font-weight: 600;
  letter-spacing: 0.02em;
}

.phone-bar-right {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.85rem;
  color: #D3E0DC;
}

.phone-bar-separator {
  opacity: 0.4;
}

.phone-bar-highlight {
  background: rgba(255, 255, 255, 0.12);
  color: #FFFFFF;
  font-weight: 600;
  font-size: 0.775rem;
  padding: 0.2rem 0.65rem;
  border-radius: var(--radius-full);
  border: 1px solid rgba(255, 255, 255, 0.18);
}

/* ==========================================================================
   3. HEADER & NAVIGATION
   ========================================================================== */
.header-main {
  background: rgba(250, 247, 242, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid var(--border-color);
  transition: var(--transition);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
  position: relative;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-family: var(--font-heading);
  text-decoration: none;
}

.brand-logo-icon {
  width: 44px;
  height: 44px;
  background: var(--primary-teal);
  color: white;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(15, 76, 76, 0.25);
  transition: var(--transition-bounce);
  flex-shrink: 0;
}

.brand-logo:hover .brand-logo-icon {
  transform: rotate(4deg) scale(1.05);
  background: var(--primary-teal-dark);
}

.brand-logo-icon svg {
  width: 24px;
  height: 24px;
  fill: var(--accent-amber);
}

.brand-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.brand-logo-top {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-teal);
  letter-spacing: -0.03em;
}

.brand-logo-bottom {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--accent-amber);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  list-style: none;
}

.nav-link {
  font-weight: 600;
  color: var(--text-body);
  font-size: 0.925rem;
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-full);
  position: relative;
  transition: var(--transition);
  font-family: var(--font-body);
}

.nav-link:hover {
  color: var(--primary-teal);
  background: var(--primary-teal-subtle);
}

.nav-link.active {
  color: var(--primary-teal);
  background: var(--primary-teal-subtle);
  font-weight: 700;
  box-shadow: 0 1px 3px rgba(15, 76, 76, 0.08);
}

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

.get-quote-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.65rem 1.35rem;
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  background: var(--accent-amber);
  color: #1C2B27;
  text-decoration: none;
  transition: var(--transition);
  font-family: var(--font-body);
  box-shadow: var(--shadow-amber);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.get-quote-btn:hover {
  background: var(--accent-amber-hover);
  color: #1C2B27;
  transform: translateY(-2px);
  box-shadow: 0 10px 26px rgba(232, 162, 61, 0.4);
}

.get-quote-btn svg {
  fill: #1C2B27;
}

.mobile-toggle {
  display: none;
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  cursor: pointer;
  padding: 0.5rem;
  color: var(--primary-teal);
  transition: var(--transition);
}

.mobile-toggle:hover {
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
}

.mobile-toggle svg {
  width: 24px;
  height: 24px;
  display: block;
}

/* ==========================================================================
   4. BUTTONS & ACTIONS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.78rem 1.7rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
  font-family: var(--font-body);
  position: relative;
  text-decoration: none;
}

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

.btn-primary:hover {
  background: var(--primary-teal-dark);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(15, 76, 76, 0.35);
}

.btn-primary svg {
  fill: var(--accent-amber);
}

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

.btn-outline:hover {
  background-color: var(--primary-teal);
  color: white;
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.btn-outline-light {
  background-color: transparent;
  color: #FFFFFF;
  border: 2px solid rgba(255, 255, 255, 0.35);
}

.btn-outline-light:hover {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: #FFFFFF;
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* ==========================================================================
   5. HOMEPAGE HERO SECTION
   ========================================================================== */
.hero-new {
  position: relative;
  background: linear-gradient(180deg, var(--bg-main) 0%, #FFFFFF 100%);
  padding: 4.5rem 0 5rem;
  overflow: hidden;
  border-bottom: 1px solid var(--border-color);
}

.hero-new::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -100px;
  width: 550px;
  height: 550px;
  background: var(--bg-hero-glow);
  border-radius: 50%;
  pointer-events: none;
}

.hero-new::after {
  content: '';
  position: absolute;
  bottom: -120px;
  left: -100px;
  width: 450px;
  height: 450px;
  background: radial-gradient(circle, rgba(232, 162, 61, 0.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

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

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

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border: 1px solid var(--border-teal-subtle);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  align-self: flex-start;
}

.hero-badge svg {
  width: 16px;
  height: 16px;
  fill: var(--trust-green);
}

.hero-new-title {
  font-size: 3rem;
  line-height: 1.15;
  color: var(--text-heading);
  margin-bottom: 1.25rem;
  letter-spacing: -0.03em;
}

.hero-new-description {
  font-size: 1.125rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}

.hero-highlights-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 1.75rem;
}

.hero-highlight-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--text-heading);
  box-shadow: var(--shadow-xs);
}

.highlight-icon {
  font-weight: 800;
  color: var(--accent-amber);
}

.hero-new-sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 1.75rem;
}

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

.btn-call {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  background: var(--primary-teal);
  color: white;
  padding: 0.88rem 1.9rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: var(--shadow-teal);
  transition: var(--transition);
  text-decoration: none;
  font-family: var(--font-body);
}

.btn-call:hover {
  background: var(--primary-teal-dark);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(15, 76, 76, 0.35);
}

.btn-call svg {
  fill: var(--accent-amber);
}

.hero-form-link {
  color: var(--primary-teal);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition);
}

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

.hero-new-disclaimer {
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ==========================================================================
   6. INTERACTIVE MULTI-STEP QUOTE CARD
   ========================================================================== */
.hero-new-card {
  background: var(--bg-surface);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-color);
  overflow: hidden;
  position: relative;
  transition: var(--transition);
}

.hero-new-card:hover {
  box-shadow: 0 28px 60px rgba(15, 76, 76, 0.16);
}

.quote-card-header {
  background: var(--primary-teal);
  color: white;
  padding: 1.6rem 2rem;
  text-align: center;
  border-bottom: 2px solid var(--accent-amber);
}

.quote-card-header h3 {
  color: #FFFFFF;
  font-size: 1.25rem;
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

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

.quote-progress-bar {
  flex: 1;
  height: 6px;
  background: rgba(255, 255, 255, 0.25);
  border-radius: var(--radius-full);
  overflow: hidden;
  position: relative;
}

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

.quote-progress-bar.full::after {
  width: 100%;
  background: var(--trust-green);
}

.quote-progress span {
  font-size: 0.8rem;
  color: #EDF4F4;
  white-space: nowrap;
  font-weight: 600;
}

.quote-form {
  padding: 2rem;
}

.quote-form-label {
  font-weight: 700;
  color: var(--text-heading);
  margin-bottom: 1.25rem;
  font-size: 1rem;
}

.quote-options {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.85rem;
  margin-bottom: 1.75rem;
}

.quote-option {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.9rem 1rem;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition);
  background: var(--bg-surface);
  position: relative;
}

.quote-option:hover {
  border-color: var(--primary-teal);
  background: var(--primary-teal-subtle);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xs);
}

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

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

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

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

.quote-option-icon {
  width: 38px;
  height: 38px;
  background: var(--primary-teal-subtle);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-teal);
  flex-shrink: 0;
  border: 1px solid var(--border-teal-subtle);
}

.quote-option-icon svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

.quote-option span {
  font-weight: 700;
  color: var(--text-heading);
  font-size: 0.95rem;
}

.btn-continue {
  width: 100%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  background: var(--accent-amber);
  color: #1C2B27;
  padding: 0.9rem 2rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font-body);
  box-shadow: var(--shadow-amber);
}

.btn-continue:hover {
  background: var(--accent-amber-hover);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(232, 162, 61, 0.4);
}

.btn-continue svg {
  fill: #1C2B27;
}

.quote-card-footer {
  text-align: center;
  font-size: 0.775rem;
  color: var(--text-muted);
  margin-top: 1.25rem;
  margin-bottom: 0;
}

.quote-call-display {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  background: var(--primary-teal-subtle);
  border: 2px solid var(--primary-teal);
  border-radius: var(--radius-md);
  padding: 1.35rem 1.5rem;
  margin: 0.75rem 0 1.25rem;
  color: var(--primary-teal);
  text-decoration: none;
  transition: var(--transition);
  font-family: var(--font-heading);
  box-shadow: var(--shadow-sm);
}

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

.quote-call-display span {
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

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

.quote-call-display:hover svg {
  fill: var(--accent-amber);
}

.quote-step2-text {
  text-align: center;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.quote-back-link {
  display: block;
  text-align: center;
  margin-top: 1.25rem;
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  transition: var(--transition);
}

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

/* ==========================================================================
   7. TRUST & CREDENTIALS STRIP
   ========================================================================== */
.trust-section {
  padding: 3.75rem 0 4rem;
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border-color);
  position: relative;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

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

.trust-item:hover {
  transform: translateY(-4px);
  border-color: var(--primary-teal);
  box-shadow: var(--shadow-md);
}

.trust-item .trust-icon {
  width: 58px;
  height: 58px;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-bounce);
  border: 1px solid var(--border-teal-subtle);
}

.trust-item:hover .trust-icon {
  background: var(--primary-teal);
  color: white;
  transform: scale(1.08);
}

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

.trust-item:hover .trust-icon svg {
  fill: var(--accent-amber);
}

.trust-text strong {
  display: block;
  font-size: 1.15rem;
  color: var(--text-heading);
  margin-bottom: 0.45rem;
  font-family: var(--font-heading);
}

.trust-text p {
  color: var(--text-muted);
  font-size: 0.925rem;
  line-height: 1.55;
  margin: 0;
}

/* ==========================================================================
   8. WHY CHOOSE US
   ========================================================================== */
.why-section {
  padding: 5.5rem 0;
  background: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.why-card {
  background: var(--bg-surface);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-xs);
  display: flex;
  flex-direction: column;
}

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

.why-card-top-tag {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  font-size: 0.725rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-full);
}

.why-card-primary .why-card-top-tag {
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
}

.why-card-secondary .why-card-top-tag {
  background: var(--accent-amber-light);
  color: var(--text-amber);
}

.why-card-accent .why-card-top-tag {
  background: var(--trust-green-light);
  color: var(--trust-green);
}

.why-icon {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: var(--transition);
}

.why-card-primary .why-icon {
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border: 1px solid var(--border-teal-subtle);
}

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

.why-card-accent .why-icon {
  background: var(--trust-green-light);
  color: var(--trust-green);
  border: 1px solid rgba(62, 124, 89, 0.2);
}

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

.why-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.85rem;
  color: var(--text-heading);
  font-family: var(--font-heading);
}

.why-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
  margin: 0;
}

/* ==========================================================================
   9. CARRIERS / TRUSTED PARTNERS SECTION
   ========================================================================== */
.carriers-section {
  padding: 5rem 0;
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border-color);
}

.carriers-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-bottom: 2.25rem;
}

.carrier-box {
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.15rem 1.25rem;
  font-weight: 700;
  color: var(--text-heading);
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
}

.carrier-box:hover {
  border-color: var(--primary-teal);
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  color: var(--primary-teal);
}

.carrier-dot {
  width: 8px;
  height: 8px;
  background: var(--accent-amber);
  border-radius: 50%;
  flex-shrink: 0;
}

.carriers-disclaimer {
  text-align: center;
  font-size: 0.8rem;
  color: var(--text-muted);
  max-width: 900px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ==========================================================================
   10. HOW IT WORKS / STEPPER JOURNEY
   ========================================================================== */
.path-section {
  padding: 5.5rem 0;
  background: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
}

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

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

.path-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
}

.path-card:hover {
  transform: translateY(-5px);
  border-color: var(--primary-teal);
  box-shadow: var(--shadow-lg);
}

.path-step-badge {
  position: absolute;
  top: -16px;
  left: 2rem;
  background: var(--accent-amber);
  color: #1C2B27;
  font-weight: 800;
  font-size: 0.9rem;
  padding: 0.35rem 0.9rem;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-sm);
}

.path-icon {
  width: 56px;
  height: 56px;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0.75rem 0 1.25rem;
  border: 1px solid var(--border-teal-subtle);
}

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

.path-card h3 {
  font-size: 1.25rem;
  color: var(--text-heading);
  margin-bottom: 0.75rem;
  font-family: var(--font-heading);
}

.path-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
  margin: 0;
}

/* ==========================================================================
   11. CLOSING CTA BANNER
   ========================================================================== */
.cta-banner-section {
  padding: 4.5rem 0;
  background: var(--bg-main);
}

.cta-banner-box {
  background: var(--primary-teal);
  border-radius: var(--radius-2xl, 28px);
  padding: 3.5rem 3.5rem;
  color: white;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.cta-banner-box::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -80px;
  width: 350px;
  height: 350px;
  background: radial-gradient(circle, rgba(232, 162, 61, 0.2) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.cta-banner-content {
  max-width: 620px;
  position: relative;
  z-index: 1;
}

.cta-micro-badge {
  display: inline-block;
  background: rgba(232, 162, 61, 0.25);
  border: 1px solid rgba(232, 162, 61, 0.5);
  color: #FFE6BE;
  font-size: 0.775rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.3rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}

.cta-banner-content h2 {
  color: #FFFFFF;
  font-size: 2.15rem;
  margin-bottom: 0.85rem;
  font-family: var(--font-heading);
}

.cta-banner-content p {
  color: #D3E0DC;
  font-size: 1.05rem;
  line-height: 1.6;
  margin: 0;
}

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

.btn-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.65rem;
  background: var(--accent-amber);
  color: #1C2B27;
  padding: 0.95rem 2rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: var(--shadow-amber);
  text-decoration: none;
  transition: var(--transition);
  font-family: var(--font-body);
}

.btn-cta:hover {
  background: var(--accent-amber-hover);
  color: #1C2B27;
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(232, 162, 61, 0.45);
}

.btn-cta svg {
  fill: #1C2B27;
}

.btn-outline-light-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.85rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.95rem;
  color: #FFFFFF;
  border: 2px solid rgba(255, 255, 255, 0.35);
  text-decoration: none;
  transition: var(--transition);
  text-align: center;
}

.btn-outline-light-cta:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: #FFFFFF;
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* ==========================================================================
   12. ABOUT US PAGE
   ========================================================================== */
.about-hero {
  padding: 4.5rem 0 4rem;
  background: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
}

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

.about-hero-label {
  display: inline-block;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  font-size: 0.775rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  padding: 0.35rem 0.9rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
  border: 1px solid var(--border-teal-subtle);
}

.about-hero-title {
  font-size: 2.75rem;
  line-height: 1.18;
  color: var(--text-heading);
  margin-bottom: 1.25rem;
}

.about-hero-description {
  font-size: 1.1rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 2rem;
}

.btn-hero-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  background: var(--primary-teal);
  color: white;
  padding: 0.88rem 1.85rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1.05rem;
  box-shadow: var(--shadow-teal);
  text-decoration: none;
  transition: var(--transition);
}

.btn-hero-phone:hover {
  background: var(--primary-teal-dark);
  color: white;
  transform: translateY(-2px);
}

.btn-hero-phone svg {
  fill: var(--accent-amber);
}

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

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

.about-hero-badge {
  position: absolute;
  bottom: -20px;
  left: 20px;
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1rem 1.35rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  box-shadow: var(--shadow-md);
}

.about-hero-badge-icon {
  width: 42px;
  height: 42px;
  background: var(--trust-green-light);
  color: var(--trust-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.about-hero-badge-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.about-hero-badge strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text-heading);
}

.about-hero-badge span {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Stats Ribbon */
.about-stats-ribbon {
  background: var(--primary-teal);
  color: white;
  padding: 2.75rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.about-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  text-align: center;
}

.about-stat-card {
  padding: 0.75rem;
}

.about-stat-number {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent-amber);
  line-height: 1.1;
  margin-bottom: 0.35rem;
}

.about-stat-label {
  font-size: 0.9rem;
  color: #D3E0DC;
  font-weight: 600;
}

/* About Why / Core Values */
.about-why {
  padding: 5.5rem 0;
  background: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
}

.about-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.about-why-card {
  background: var(--bg-surface);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-xs);
}

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

.about-why-icon {
  width: 58px;
  height: 58px;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  border: 1px solid var(--border-teal-subtle);
}

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

.about-why-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.85rem;
  color: var(--text-heading);
}

.about-why-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
  margin: 0;
}

/* Coverage Grid */
.about-coverage {
  padding: 5.5rem 0;
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border-color);
}

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

.coverage-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: 2rem 1.75rem;
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
  display: flex;
  flex-direction: column;
}

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

.coverage-icon {
  width: 52px;
  height: 52px;
  background: var(--primary-teal-subtle);
  color: var(--primary-teal);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  border: 1px solid var(--border-teal-subtle);
}

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

.coverage-card strong {
  font-size: 1.15rem;
  color: var(--text-heading);
  margin-bottom: 0.45rem;
  font-family: var(--font-heading);
}

.coverage-card span {
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* About Contact Split */
.about-contact {
  padding: 5.5rem 0;
  background: var(--bg-main);
}

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

.contact-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-row {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
}

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

.contact-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.contact-row strong {
  display: block;
  font-size: 1.05rem;
  color: var(--text-heading);
  margin-bottom: 0.25rem;
}

.contact-row a {
  display: block;
  font-weight: 700;
  color: var(--primary-teal);
  font-size: 1.1rem;
  margin-bottom: 0.2rem;
}

.contact-row span {
  font-size: 0.875rem;
  color: var(--text-muted);
}

.licensing-card {
  background: var(--primary-teal);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.25rem;
  color: white;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.licensing-card h3 {
  color: #FFFFFF;
  font-size: 1.45rem;
  margin-bottom: 1rem;
  margin-top: 1rem;
}

.licensing-card p {
  color: #D3E0DC;
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 1.75rem;
}

/* ==========================================================================
   13. CONTACT & LEAD GENERATION PAGE
   ========================================================================== */
.contact-layout {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 3rem;
  align-items: start;
}

.contact-card {
  background: var(--bg-surface);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.5rem;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-md);
}

.form-header {
  margin-bottom: 2rem;
}

.form-header h2 {
  font-size: 1.65rem;
  color: var(--text-heading);
  margin-bottom: 0.5rem;
}

.form-header p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin: 0;
}

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

.form-group {
  display: flex;
  flex-direction: column;
  margin-bottom: 1.25rem;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-heading);
  margin-bottom: 0.5rem;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1.15rem;
  font-size: 0.95rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-sm);
  background-color: #FAFAFA;
  color: var(--text-heading);
  font-family: var(--font-body);
  transition: var(--transition);
}

.form-control:focus {
  outline: none;
  border-color: var(--primary-teal);
  background-color: #FFFFFF;
  box-shadow: 0 0 0 3px var(--primary-teal-subtle);
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.disclaimer-box {
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.disclaimer-box strong {
  color: var(--text-heading);
}

.alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1.5rem;
  font-size: 0.9rem;
  line-height: 1.5;
}

.alert-success {
  background: var(--trust-green-light);
  border: 1px solid rgba(62, 124, 89, 0.3);
  color: var(--trust-green-dark);
}

.alert-error {
  background: #FDF2F2;
  border: 1px solid #F8B4B4;
  color: #9B1C1C;
}

.contact-info-panel {
  background: var(--primary-teal);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2.25rem;
  color: white;
  box-shadow: var(--shadow-lg);
}

.contact-info-panel h3 {
  color: #FFFFFF;
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.contact-info-panel > p {
  color: #D3E0DC;
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 2rem;
}

.contact-details-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

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

.contact-detail-icon {
  width: 42px;
  height: 42px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail-icon svg {
  width: 20px;
  height: 20px;
  fill: var(--accent-amber);
}

.contact-detail-text strong {
  display: block;
  font-size: 0.9rem;
  color: #D3E0DC;
  margin-bottom: 0.2rem;
}

.contact-detail-text a {
  color: #FFFFFF;
  font-size: 1.05rem;
  font-weight: 700;
}

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

.contact-detail-text span {
  color: #FFFFFF;
  font-size: 0.95rem;
  line-height: 1.5;
}

/* ==========================================================================
   14. FAQ PAGE
   ========================================================================== */
.faq-list {
  max-width: 860px;
  margin: 0 auto 3.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.faq-item {
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  transition: var(--transition);
  box-shadow: var(--shadow-xs);
}

.faq-item:hover {
  border-color: var(--primary-teal);
  box-shadow: var(--shadow-sm);
}

.faq-item h3 {
  font-size: 1.15rem;
  color: var(--text-heading);
  margin-bottom: 0.65rem;
  font-family: var(--font-heading);
}

.faq-item p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
  margin: 0;
}

.faq-item a {
  color: var(--primary-teal);
  font-weight: 700;
}

.faq-cta {
  text-align: center;
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: 3rem 2rem;
  max-width: 860px;
  margin: 0 auto;
}

.faq-cta h2 {
  font-size: 1.65rem;
  color: var(--text-heading);
  margin-bottom: 1.25rem;
}

/* ==========================================================================
   15. LEGAL PAGES & LICENSING
   ========================================================================== */
.legal-page-header {
  background: var(--primary-teal);
  color: white;
  padding: 3.75rem 0 3.5rem;
  text-align: center;
  border-bottom: 2px solid var(--accent-amber);
}

.legal-page-header h1 {
  color: #FFFFFF;
  font-size: 2.35rem;
  margin-bottom: 0.5rem;
}

.legal-page-header p {
  color: #D3E0DC;
  font-size: 1rem;
  margin: 0;
}

.legal-content {
  max-width: 880px;
  margin: 0 auto;
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: 3.5rem 3rem;
  box-shadow: var(--shadow-sm);
}

.legal-content h2 {
  font-size: 1.45rem;
  color: var(--text-heading);
  margin: 2.25rem 0 0.85rem;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--border-subtle);
}

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

.legal-content h3 {
  font-size: 1.15rem;
  color: var(--primary-teal);
  margin: 1.5rem 0 0.5rem;
}

.legal-content p {
  color: var(--text-body);
  font-size: 0.975rem;
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.legal-content ul {
  margin: 0 0 1.5rem 1.5rem;
  color: var(--text-body);
}

.legal-content li {
  margin-bottom: 0.45rem;
  font-size: 0.975rem;
  line-height: 1.65;
}

.licenses-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.85rem;
  margin-top: 1.75rem;
}

.license-item {
  background: var(--bg-alt);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 0.65rem 0.9rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.875rem;
}

.license-state {
  font-weight: 800;
  color: var(--primary-teal);
}

.license-number {
  font-family: monospace;
  color: var(--text-heading);
  font-weight: 600;
}

/* ==========================================================================
   16. FOOTER COMPONENT
   ========================================================================== */
.footer {
  background: var(--primary-teal-dark);
  color: #D3E0DC;
  padding: 5rem 0 2rem;
  margin-top: auto;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.35fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand .brand-logo {
  margin-bottom: 1.25rem;
}

.footer-brand .brand-logo-icon {
  background: var(--primary-teal);
}

.footer-brand span {
  color: #FFFFFF;
}

.footer-brand p {
  color: #B5C6C1;
  font-size: 0.9rem;
  line-height: 1.65;
}

.footer-heading {
  font-size: 1.05rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 1.25rem;
  font-family: var(--font-heading);
  letter-spacing: -0.01em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.footer-links a {
  color: #B5C6C1;
  font-size: 0.9rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--accent-amber);
  transform: translateX(3px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.85rem;
  font-size: 0.875rem;
  color: #B5C6C1;
}

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

.footer-contact-item a {
  color: #FFFFFF;
  text-decoration: none;
}

.footer-contact-item a:hover {
  color: var(--accent-amber);
}

.footer-disclaimer-text {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
  margin-bottom: 2rem;
}

.footer-disclaimer-text p {
  font-size: 0.775rem;
  color: #92A6A0;
  line-height: 1.6;
  margin: 0;
}

.footer-disclaimer-text strong {
  color: #D3E0DC;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.5rem;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.825rem;
  color: #92A6A0;
}

.footer-bottom-inner p {
  margin: 0;
}

/* ==========================================================================
   17. RESPONSIVE BREAKPOINTS
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-new-grid,
  .about-hero-grid,
  .about-contact-grid,
  .contact-layout {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

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

  .cta-banner-content {
    max-width: 100%;
  }

  .cta-banner-actions {
    width: 100%;
    max-width: 380px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }

  .carriers-grid {
    grid-template-columns: repeat(3, 1fr);
  }

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

@media (max-width: 768px) {
  .phone-bar-right {
    display: none;
  }

  .phone-bar-inner {
    justify-content: center;
  }

  .mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-teal-subtle);
    border: 1px solid var(--border-teal-subtle);
    border-radius: var(--radius-sm);
    cursor: pointer;
    padding: 0.5rem;
    color: var(--primary-teal);
    transition: var(--transition);
  }

  .mobile-toggle.is-active,
  .mobile-toggle:hover {
    background: var(--primary-teal);
    color: #FFFFFF;
  }

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

  .nav-menu {
    position: absolute;
    top: 82px;
    left: 0;
    width: 100%;
    background: var(--bg-surface);
    flex-direction: column;
    padding: 1.25rem 1.5rem;
    gap: 0.35rem;
    box-shadow: 0 16px 36px rgba(15, 76, 76, 0.16);
    border-bottom: 3px solid var(--accent-amber);
    border-top: 1px solid var(--border-color);
    display: none;
    z-index: 1001;
    max-height: calc(100vh - 90px);
    overflow-y: auto;
  }

  .nav-menu.open,
  .nav-menu.active {
    display: flex;
    animation: mobileNavSlide 0.25s ease-out forwards;
  }

  @keyframes mobileNavSlide {
    from {
      opacity: 0;
      transform: translateY(-8px);
    }
    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  .nav-menu li {
    width: 100%;
    list-style: none;
  }

  .nav-link {
    width: 100%;
    text-align: left;
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-sm);
    display: block;
    font-size: 0.975rem;
    color: var(--text-heading);
    border-bottom: 1px solid var(--border-subtle);
  }

  .nav-link:hover,
  .nav-link.active {
    background: var(--primary-teal-subtle);
    color: var(--primary-teal);
    padding-left: 1.5rem;
  }

  .hero-new-title {
    font-size: 2.25rem;
  }

  .trust-grid,
  .why-grid,
  .path-grid,
  .about-why-grid,
  .coverage-grid,
  .about-stats-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

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

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

  .legal-content {
    padding: 2.25rem 1.5rem;
  }

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

  .footer-bottom-inner {
    flex-direction: column;
    text-align: center;
    gap: 0.5rem;
  }
}

@media (max-width: 480px) {
  .hero-new-title {
    font-size: 1.85rem;
  }

  .section-title {
    font-size: 1.75rem;
  }

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

  .carriers-grid {
    grid-template-columns: 1fr;
  }

  .licenses-grid {
    grid-template-columns: 1fr;
  }
}