/*
    Clarity65 — Senior healthcare design system
    Brand: #263D7D navy + #3C99CF light blue (from logo)
    Accessibility: 18px body, AAA contrast, 56px+ touch targets
    Compliance: CY2024+ TPMO rules, CY2026 language assistance notice
  */
:root {
  --navy: #263D7D;
  --navy-deep: #1A2B5C;
  --navy-darker: #111E42;
  --light-blue: #3C99CF;
  --light-blue-dark: #2980B9;
  --tint-blue: #E8F1F9;
  --pale-blue: #F4F9FD;

  --accent: #F39C12;
  --accent-dark: #D97706;

  --bg: #FFFFFF;
  --bg-soft: #F7FAFC;
  --text: #0F1A2E;
  --text-body: #2D3D54;
  --text-muted: #5A6B82;
  --border: #D1DCE8;
  --border-strong: #B8C7D9;
  --success: #16A34A;

  --radius: 10px;
  --radius-lg: 14px;
  --shadow-sm: 0 1px 3px rgba(38, 61, 125, 0.08);
  --shadow-md: 0 6px 20px rgba(38, 61, 125, 0.10);
  --shadow-lg: 0 16px 48px rgba(38, 61, 125, 0.16);
  --max-width: 1240px;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color: var(--text);
  line-height: 1.65;
  background: var(--bg);
  font-size: 18px;
  -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3,
h4 {
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
}

h2 {
  font-size: clamp(1.75rem, 3.2vw, 2.5rem);
}

h3 {
  font-size: 1.35rem;
  line-height: 1.3;
}

h4 {
  font-size: 1.1rem;
}

p {
  color: var(--text-body);
  font-size: 1.0625rem;
}

.lead {
  font-size: 1.2rem;
  line-height: 1.6;
  color: var(--text-body);
}

a {
  color: var(--light-blue-dark);
  text-decoration: none;
  font-weight: 600;
}

a:hover {
  color: var(--navy);
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
}

/* ============ HEADER ============ */

.logo-img {

  width: 225px;

}



header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
  border-bottom: 2px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 28px;
  max-width: var(--max-width);
  margin: 0 auto;
  gap: 32px;
  position: relative;
}

.logo-svg {
  height: 64px;
  width: auto;
  flex-shrink: 0;
}

nav ul {
  display: flex;
  gap: 32px;
  list-style: none;
  align-items: center;
}

nav a {
  color: var(--text);
  font-weight: 600;
  font-size: 1rem;
  transition: color 0.15s;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
}

nav a:hover {
  color: var(--light-blue-dark);
  border-bottom-color: var(--light-blue);
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 18px;
}

.phone-block {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.phone-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--navy);
  font-weight: 800;
  font-size: 1.2rem;
  transition: color 0.15s;
}

.phone-link:hover {
  color: var(--light-blue-dark);
}

.phone-link svg {
  color: var(--light-blue);
}

.phone-meta {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 2px;
  line-height: 1.3;
  text-align: right;
}

/* Hamburger */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 0;
}

.menu-toggle span {
  width: 26px;
  height: 3px;
  background: #263D7D;
  border-radius: 4px;
  transition: 0.3s;
}



/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 16px 28px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1.05rem;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
  text-align: center;
  min-height: 56px;
  font-family: inherit;
  letter-spacing: 0.01em;
  text-decoration: none;
}

.btn-primary {
  background: var(--accent);
  color: var(--navy-darker);
  box-shadow: 0 4px 12px rgba(243, 156, 18, 0.30);
}

.btn-primary:hover {
  background: var(--accent-dark);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(243, 156, 18, 0.40);
}

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

.btn-secondary:hover {
  background: var(--navy-deep);
  color: white;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: white;
  color: var(--navy);
  border: 2px solid var(--navy);
}

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

.btn-large {
  padding: 15px 20px;
  font-size: 1.15rem;
  min-height: 64px;
}

/* ============ HERO ============ */
.hero {
  background:
    radial-gradient(ellipse at top right, rgba(60, 153, 207, 0.12) 0%, transparent 55%),
    radial-gradient(ellipse at bottom left, rgba(38, 61, 125, 0.06) 0%, transparent 50%),
    linear-gradient(180deg, var(--pale-blue) 0%, #FFFFFF 100%);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 70px;
  align-items: center;
  position: relative;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: white;
  color: var(--light-blue-dark);
  padding: 8px 16px;
  border-radius: 24px;
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 24px;
  border: 1.5px solid var(--light-blue);
  box-shadow: var(--shadow-sm);
}

.hero-eyebrow .check {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--light-blue);
  color: white;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 800;
}

.hero h1 {
  margin-bottom: 24px;
}

.hero h1 .accent {
  color: var(--light-blue);
}

.hero-sub {
  font-size: 1.25rem;
  color: var(--text-body);
  margin-bottom: 36px;
  max-width: 960px;
  line-height: 1.55;
}

.hero-sub-drug {
  font-size: 1.25rem;
  color: var(--text-body);
  margin-bottom: 36px;
  line-height: 1.55;
}


.hero-actions {
  display: flex;
  gap: 14px;
  margin-bottom: 28px;
  flex-wrap: wrap;

}

.hero-actions-center {
  justify-content: center;
}

.hero-content {
  text-align: left !important;
  max-width: 900px;
  margin: 0 auto;
}

.hero .lead {
  margin-bottom: 40px;
}

/* .content-section padding is defined in the drug-plans component block below */

section {
  padding: 80px 0;
}

section+section {
  border-top: 1px solid var(--border);
}

.section-alt {
  background-color: var(--bg-soft, #F7FAFC);
}

.section-white {
  background-color: var(--bg, #FFFFFF);
}

.hero-secondary-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 500;
  margin-bottom: 36px;
}

.hero-secondary-link a {
  color: var(--light-blue-dark);
  font-weight: 700;
}

.hero-trust {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1.5px solid var(--border);
}

.trust-stat .num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.03em;
}

.trust-stat .label {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-top: 6px;
  font-weight: 500;
}

/* Hero card */
.hero-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 10px;
  box-shadow: var(--shadow-lg);
  position: relative;
  border: 1px solid var(--border);
  max-width: 900px;
}

.hero-card::before {
  content: '';
  position: absolute;
  top: -3px;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--navy), var(--light-blue));
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.hero-card-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}

.hero-card-sub {
  font-size: 1rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.form-group {
  margin-bottom: 18px;
}

.form-label {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}

.form-input,
.form-select {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border-strong);
  border-radius: var(--radius);
  font-size: 1.05rem;
  font-family: inherit;
  transition: all 0.15s;
  background: white;
  color: var(--text);
  min-height: 52px;
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--light-blue);
  box-shadow: 0 0 0 4px rgba(60, 153, 207, 0.18);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-help {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-top: 14px;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.form-help .lock {
  color: var(--success);
}

.form-consent {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-top: 14px;
}

.form-consent a {
  font-size: inherit;
}

/* ============ AUDIENCE PATHS ============ */
.paths {
  padding: 96px 0;
  background: var(--bg);
}

.section-head {
  text-align: center;
  max-width: 800px;
  margin: 0 auto 30px;
}

.section-head .eyebrow {
  display: inline-block;
  color: var(--light-blue-dark);
  font-weight: 700;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.section-head p.lead {
  margin-top: 16px;
}

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

.path-card {
  background: white;
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.25s;
  position: relative;
  text-decoration: none;
  display: block;
}

.path-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--light-blue);
}

.path-icon {
  width: 64px;
  height: 64px;
  background: var(--tint-blue);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--light-blue-dark);
  margin-bottom: 24px;
}

.path-card h3 {
  margin-bottom: 12px;
  color: var(--navy);
}

.path-card p {
  font-size: 1.05rem;
  margin-bottom: 22px;
  line-height: 1.6;
}

.path-link {
  color: var(--light-blue-dark);
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap 0.15s;
}

.path-card:hover .path-link {
  gap: 12px;
}

/* ============ SHOP NOW BANNER ============ */
.shop-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  padding: 56px 0;
  color: white;
  position: relative;
  overflow: hidden;
}

.shop-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(60, 153, 207, 0.20) 0%, transparent 70%);
}

.shop-banner .container {
  position: relative;
  z-index: 2;
}

.shop-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 40px;
  align-items: center;
}

.shop-banner h2 {
  color: white;
  margin-bottom: 10px;
  font-size: 1.8rem;
}

.shop-banner p {
  color: #C5D9EC;
  font-size: 1.1rem;
  margin: 0;
}

.shop-banner .btn-primary {
  white-space: nowrap;
}

/* ============ SERVICES ============ */
.services {
  padding: 96px 0;
  background: var(--bg-soft);
}

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

.service-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1.5px solid var(--border);
  transition: all 0.2s;
}

.service-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.service-icon {
  width: 52px;
  height: 52px;
  background: var(--tint-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 20px;
}

.service-card h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.service-card p {
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 18px;
}

/* ============ HOW IT WORKS ============ */
.process {
  padding: 96px 0;
  background: white;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
  position: relative;
  margin-top: 56px;
}

.process-step {
  text-align: center;
  position: relative;
}

.step-num {
  width: 72px;
  height: 72px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  font-weight: 800;
  margin: 0 auto 24px;
  position: relative;
  z-index: 2;
  border: 6px solid white;
  box-shadow: 0 0 0 2px var(--light-blue);
}

.process-step h3 {
  margin-bottom: 12px;
}

.process-step p {
  font-size: 1.05rem;
  max-width: 320px;
  margin: 0 auto;
}

.process-line {
  position: absolute;
  top: 36px;
  left: 16.66%;
  right: 16.66%;
  height: 3px;
  background: linear-gradient(90deg, var(--light-blue), var(--navy), var(--light-blue));
  z-index: 1;
  opacity: 0.3;
}

/* ============ WHY US ============ */
.why {
  padding: 96px 0;
  background: var(--navy);
  color: white;
  position: relative;
  overflow: hidden;
}

.why::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(60, 153, 207, 0.18) 0%, transparent 70%);
}

.why .container {
  position: relative;
  z-index: 2;
}

.why h2 {
  color: white;
}

.why .section-head .eyebrow {
  color: var(--light-blue);
}

.why .section-head p {
  color: #C5D9EC;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.why-item {
  display: flex;
  gap: 22px;
  padding: 28px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.1);
  transition: all 0.2s;
}

.why-item:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: var(--light-blue);
}

.why-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  background: var(--light-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}

.why-item h3 {
  color: white;
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.why-item p {
  color: #C5D9EC;
  font-size: 1.02rem;
  line-height: 1.6;
}

/* ============ TESTIMONIALS ============ */
.testimonials {
  padding: 96px 0;
  background: var(--bg-soft);
}

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

.test-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1.5px solid var(--border);
  position: relative;
}

.test-stars {
  color: var(--accent);
  margin-bottom: 16px;
  font-size: 1.2rem;
  letter-spacing: 2px;
}

.test-card p {
  color: var(--text);
  font-size: 1.05rem;
  line-height: 1.65;
  margin-bottom: 20px;
}

.test-author {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 18px;
  border-top: 1.5px solid var(--border);
}

.test-avatar {
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
}

.test-author .name {
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
}

.test-author .meta {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ============ FAQ ============ */
.faq {
  padding: 0;
  background: white;
}

.faq-wrap {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  margin-bottom: 16px;
  overflow: hidden;
  transition: all 0.2s;
}

.faq-item.open {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.15rem;
  padding: 24px 28px;
  transition: background 0.15s;
}

.faq-q:hover {
  background: var(--pale-blue);
}

.faq-toggle {
  width: 36px;
  height: 36px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--light-blue-dark);
  flex-shrink: 0;
  margin-left: 18px;
  transition: all 0.2s;
  font-size: 1.5rem;
  font-weight: 600;
}

.faq-item.open .faq-toggle {
  transform: rotate(45deg);
  background: var(--light-blue);
  color: white;
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s;
  color: var(--text-body);
  font-size: 1.05rem;
  line-height: 1.7;
  padding: 0 28px;
}

.faq-item.open .faq-a {
  max-height: 500px;
  padding: 0 28px 24px;
}

/* ============ CTA BAND ============ */
.cta-band {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  bottom: -50%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(60, 153, 207, 0.20) 0%, transparent 70%);
}

.cta-band .container {
  position: relative;
  z-index: 2;
}

.cta-band h2 {
  color: white;
  margin-bottom: 16px;
  font-size: 2.5rem;
}

.cta-band p {
  color: #C5D9EC;
  font-size: 1.25rem;
  margin-bottom: 36px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

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

.cta-band .btn-outline {
  background: transparent;
  color: white;
  border-color: white;
}

.cta-band .btn-outline:hover {
  background: white;
  color: var(--navy);
}

.cta-band .phone-disclaimer {
  color: #8AA5C2;
  font-size: 0.85rem;
  margin-top: 20px;
}

/* ============ FOOTER ============ */
footer {
  background: var(--navy-darker);
  color: #B8D0E8;
  padding: 72px 0 0;
}

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

footer h4 {
  color: white;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 20px;
  font-weight: 800;
}

footer ul {
  list-style: none;
}

footer ul li {
  margin-bottom: 12px;
}

footer ul a {
  color: #B8D0E8;
  font-size: 1rem;
  font-weight: 500;
  transition: color 0.15s;
}

footer ul a:hover {
  color: white;
}

.footer-brand .footer-logo {
  background: white;
  padding: 16px 22px;
  border-radius: var(--radius);
  display: inline-block;
  margin-bottom: 20px;
}

.footer-brand .footer-logo svg {
  height: 50px;
  width: auto;
  display: block;
}

.footer-brand p {
  color: #B8D0E8;
  font-size: 1rem;
  line-height: 1.65;
  max-width: 360px;
}

/* TPMO compliance block — prominent, not buried */
.compliance-block {
  background: rgba(60, 153, 207, 0.08);
  border-top: 3px solid var(--light-blue);
  padding: 32px 0;
}

.compliance-block .container {
  max-width: 1100px;
}

.compliance-title {
  font-size: 0.85rem;
  font-weight: 800;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 14px;
}

.compliance-block p {
  font-size: 0.95rem;
  line-height: 1.65;
  color: #C5D9EC;
  margin-bottom: 14px;
}

.compliance-block p:last-child {
  margin-bottom: 0;
}

.compliance-block strong {
  color: white;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
  color: #8AA5C2;
}

/* ============ ACCESSIBILITY HELPERS ============ */
*:focus-visible {
  outline: 3px solid var(--light-blue);
  outline-offset: 2px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.lang-notice {
  background: var(--pale-blue);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  font-size: 0.88rem;
  color: var(--text-muted);
  text-align: center;
}

.lang-notice a {
  color: var(--light-blue-dark);
}

/* Desktop default */
.mobile-cta {
  display: none !important;
}

/* ============ MOBILE ============ */
@media (max-width: 960px) {
  body {
    font-size: 17px;
  }

  .hero {
    padding: 56px 0 72px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .paths-grid,
  .services-grid,
  .why-grid,
  .test-grid,
  .process-grid,
  .footer-grid,
  .shop-grid {
    grid-template-columns: 1fr;
  }

  .process-line {
    display: none;
  }

  /* nav ul {
    display: none;
  } */

  .menu-toggle {
    display: flex;
    margin-left: auto;
  }


  .nav-wrap {
    gap: 12px;
    padding: 14px 20px;
    flex-wrap: wrap;
  }

  nav#mobileMenu {
    width: 100%;
    order: 2;
    display: none;
    /* hidden by default */
  }

  nav#mobileMenu.active {
    display: block;
  }

  .phone-meta {
    display: none;
  }

  .phone-block {
    align-items: flex-start;
  }

  .phone-meta {
    text-align: left;
  }

  .hero-trust {
    gap: 28px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }

  .logo-svg {
    height: 48px;
  }

  nav {
    width: 100%;
    display: none;
    background: #fff;
    padding-top: 16px;
  }

  nav.active {
    display: block;
  }

  nav ul {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  /* .header-cta {
    width: 100%;
    order: 3;
     
    flex-direction: column;
    align-items: flex-start;
    margin-top: 15px;
    gap: 10px;
  } */

  .menu-toggle {
    order: 1;
    margin-left: auto;
  }

  /* Hide desktop CTA */
  .header-cta {
    display: none !important;
  }

  /* Show mobile CTA only inside open menu */
  .mobile-cta {
    display: block !important;
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px solid #eee;
    text-align: center;
  }

  .mobile-cta .btn {
    width: 100%;
    margin-top: 10px;
  }
}

@media (max-width: 600px) {
  .hero-actions .btn {
    width: 100%;
  }

  .cta-band-actions .btn {
    width: 100%;
  }

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

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



  .logo-img {
    width: 200px;

  }
}

/* ============ MEDICARE ADVANTAGE PAGE STYLES ============ */

/* ============ TRIAL CLOSE / CALLOUT ============ */
.trial-close {
  background: var(--tint-blue);
  border-left: 4px solid var(--light-blue);
  padding: 32px;
  border-radius: var(--radius);
  margin: 48px 0;
}

.trial-close p {
  margin-bottom: 20px;
  font-size: 1.0625rem;
  color: var(--text-body);
}

.trial-close p:last-of-type {
  margin-bottom: 24px;
}

/* ============ TWO-COLUMN CARDS ============ */
.two-col-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 28px;
  margin: 48px 0;
}

.plan-card {
  background: var(--bg);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all 0.2s;
}

.plan-card:hover {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.plan-card h3 {
  margin-bottom: 16px;
  color: var(--navy);
}

.plan-card p {
  margin-bottom: 0;
}

/* ============ CHECKLIST / ICON GRID ============ */
.checklist-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
  margin-top: 48px;
}

.checklist-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}

.checklist-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--tint-blue);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--light-blue-dark);
}

.checklist-item h4 {
  margin-bottom: 8px;
  color: var(--navy);
}

.checklist-item p {
  margin: 0;
  font-size: 1rem;
}

/* ============ ENROLLMENT WINDOWS GRID ============ */
.enrollment-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 48px;
}

.enrollment-card {
  background: var(--bg);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s;
}

.enrollment-card:hover {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.enrollment-card h4 {
  margin-bottom: 14px;
  color: var(--navy);
}

.enrollment-card p {
  margin: 0;
  font-size: 1rem;
}

/* ============ NUMBERED STEPS ============ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 40px;
  margin-top: 48px;
}

.step-item {
  position: relative;
  padding-left: 72px;
}

.step-number {
  position: absolute;
  left: 0;
  top: 0;
  width: 56px;
  height: 56px;
  background: var(--light-blue);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  font-weight: 800;
}

.step-item h4 {
  margin-bottom: 10px;
}

.step-item p {
  margin: 0;
  font-size: 1rem;
}

/* ============ FORM SECTION ============ */
.form-wrapper {
  max-width: 680px;
  margin: 0 auto;
}

.ghl-form-container {
  background: var(--bg);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 48px;
  margin-top: 40px;
  position: relative;
  overflow: hidden;
}

.ghl-form-container::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--light-blue) 0%, var(--navy) 100%);
}

.form-disclaimer {
  text-align: center;
  font-size: 0.875rem;
  color: var(--text-muted);
  margin-top: 20px;
  line-height: 1.5;
}

@media (max-width: 768px) {
  .two-col-cards {
    grid-template-columns: 1fr;
  }

  .checklist-grid,
  .enrollment-grid,
  .steps-grid {
    grid-template-columns: 1fr;
  }

  .ghl-form-container {
    padding: 32px 24px;
  }
}

/* ============ CONTENT SECTION VARIANTS ============ */
.content-section {
  padding: 96px 0;
}

.content-section.alt {
  background: var(--bg-soft);
}

.content-narrow {
  max-width: 800px;
  margin: 0 auto;
}

.content-narrow h2 {
  margin-bottom: 28px;
}

.content-narrow p {
  margin-bottom: 20px;
}

.content-narrow p:last-child {
  margin-bottom: 0;
}

/* ============ TRIAL CLOSE / PULL-OUT BOX ============ */
.trial-close {
  background: var(--tint-blue);
  border-left: 4px solid var(--light-blue);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  padding: 28px 32px;
  margin: 36px 0;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.trial-close p {
  margin: 0;
  font-size: 1.05rem;
  color: var(--text-body);
  flex: 1;
  min-width: 200px;
}

/* ============ STACKED CARDS ============ */
.stacked-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 36px;
}

.stacked-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all 0.2s;
}

.stacked-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-2px);
}

.stacked-card-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 14px;
}

.stacked-card-icon {
  width: 52px;
  height: 52px;
  background: var(--tint-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}

.stacked-card h3 {
  margin: 0;
}

.stacked-card p {
  margin: 0;
  font-size: 1.05rem;
}

/* ============ PROCESS GRID ============ */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
  position: relative;
  margin-top: 56px;
}

.process-step {
  text-align: center;
  position: relative;
}

.step-num {
  width: 72px;
  height: 72px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  font-weight: 800;
  margin: 0 auto 24px;
  position: relative;
  z-index: 2;
  border: 6px solid white;
  box-shadow: 0 0 0 2px var(--light-blue);
}

.process-step h3 {
  margin-bottom: 12px;
}

.process-step p {
  font-size: 1.05rem;
  max-width: 320px;
  margin: 0 auto;
}

.process-line {
  position: absolute;
  top: 36px;
  left: 16.66%;
  right: 16.66%;
  height: 3px;
  background: linear-gradient(90deg, var(--light-blue), var(--navy), var(--light-blue));
  z-index: 1;
  opacity: 0.3;
}

/* ============ CHECKLIST (2-col grid with bordered cards) ============ */
.checklist {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 36px;
}

.checklist-item {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  transition: all 0.2s;
}

.checklist-item:hover {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.check-icon {
  width: 40px;
  height: 40px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--light-blue-dark);
  flex-shrink: 0;
  font-weight: 800;
  font-size: 1rem;
}

.checklist-item h4 {
  color: var(--navy);
  margin-bottom: 8px;
}

.checklist-item p {
  font-size: 1rem;
  margin: 0;
}

/* ============ ENROLLMENT CARDS (3-col) ============ */
.enrollment-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}

.enrollment-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all 0.2s;
}

.enrollment-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.enrollment-badge {
  display: inline-block;
  background: var(--tint-blue);
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 5px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
}

.enrollment-card h3 {
  margin-bottom: 14px;
  font-size: 1.2rem;
}

.enrollment-card p {
  font-size: 1rem;
  line-height: 1.6;
  margin: 0;
}

.enrollment-note {
  background: var(--pale-blue);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin-top: 32px;
}

.enrollment-note p {
  margin: 0;
  font-size: 1.05rem;
}

/* ============ MID-PAGE CTA BAND ============ */
.cta-band-mid {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  padding: 64px 0;
  color: white;
  position: relative;
  overflow: hidden;
  text-align: center;
}

.cta-band-mid::before {
  content: '';
  position: absolute;
  bottom: -50%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(60, 153, 207, 0.20) 0%, transparent 70%);
}

.cta-band-mid .container {
  position: relative;
  z-index: 2;
}

.cta-band-mid h2 {
  color: white;
  margin-bottom: 20px;
}

.cta-band-mid p {
  color: #C5D9EC;
  font-size: 1.1rem;
  margin-bottom: 32px;
}

.cta-band-mid .btn-outline {
  background: transparent;
  color: white;
  border-color: rgba(255, 255, 255, 0.6);
}

.cta-band-mid .btn-outline:hover {
  background: white;
  color: var(--navy);
}

/* ============ HOW WE HELP / WORKING WITH US ============ */
.help-section {
  padding: 96px 0;
  background: var(--bg-soft);
}

.help-note {
  background: var(--pale-blue);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin-top: 40px;
  text-align: center;
}

.help-note p {
  margin: 0;
  font-size: 1rem;
  color: var(--text-muted);
}

/* ============ FORM SECTION ============ */
.form-section {
  padding: 96px 0;
  background: white;
}

.form-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-lg);
  max-width: 680px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.form-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--navy), var(--light-blue));
}


.ghl-form-embed {
  min-height: 200px;
}

.form-consent a {
  font-size: inherit;
}

/* ============ FAQ ACCORDION ============ */
.faq {
  padding: 60px 0;
  background: var(--bg-soft);
}

.faq-wrap {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  margin-bottom: 16px;
  overflow: hidden;
  transition: all 0.2s;
}

.faq-item.open {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.15rem;
  padding: 24px 28px;
  transition: background 0.15s;
}

.faq-q:hover {
  background: var(--pale-blue);
}

.faq-toggle {
  width: 36px;
  height: 36px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--light-blue-dark);
  flex-shrink: 0;
  margin-left: 18px;
  transition: all 0.2s;
  font-size: 1.5rem;
  font-weight: 600;
}

.faq-item.open .faq-toggle {
  transform: rotate(45deg);
  background: var(--light-blue);
  color: white;
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s;
  color: var(--text-body);
  font-size: 1.05rem;
  line-height: 1.7;
  padding: 0 28px;
}

.faq-item.open .faq-a {
  max-height: 600px;
  padding: 0 28px 24px;
}

/* ============ RESPONSIVE OVERRIDES FOR NEW COMPONENTS ============ */
@media (max-width: 960px) {
  .process-grid {
    grid-template-columns: 1fr;
  }

  .process-line {
    display: none;
  }

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

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

  .trial-close {
    flex-direction: column;
    gap: 16px;
  }

  .stacked-card-header {
    flex-wrap: wrap;
  }

  .form-card-inner {
    padding: 32px 24px;
  }
}

@media (max-width: 600px) {
  .cta-band-actions .btn {
    width: 100%;
  }
}

/* ============ CTA BAND (final) ============ */
.cta-band {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  bottom: -50%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(60, 153, 207, 0.20) 0%, transparent 70%);
}

.cta-band .container {
  position: relative;
  z-index: 2;
}

.cta-band h2 {
  color: white;
  margin-bottom: 16px;
  font-size: 2.5rem;
}

.cta-band p {
  color: #C5D9EC;
  font-size: 1.25rem;
  margin-bottom: 36px;
  max-width: 840px;
  margin-left: auto;
  margin-right: auto;
}

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

.cta-band .btn-outline {
  background: transparent;
  color: white;
  border-color: white;
}

.cta-band .btn-outline:hover {
  background: white;
  color: var(--navy);
}

.phone-disclaimer {
  color: #8AA5C2;
  font-size: 0.85rem;
  margin-top: 20px;
}

/* ============ HERO ACTIONS CENTERED VARIANT ============ */
.hero-actions-center {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
}

/* ============ FORM SUBHEAD ============ */
.form-subhead {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin-bottom: 32px;
  line-height: 1.6;
}

/* ============ GHL FORM EMBED ============ */
.ghl-form-embed {
  min-height: 200px;
}

/* ============ BREADCRUMB ============ */
.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 20px;
}

.breadcrumb a {
  color: var(--light-blue-dark);
  font-weight: 600;
}

.breadcrumb span {
  color: var(--text-muted);
  font-weight: 400;
}


/* ============ HOSPITAL INDEMNITY PAGE STYLES ============ */

/* ============ WHAT IT IS ============ */
.section-what {
  background: var(--bg);
}

.section-head-left {
  text-align: left;
  max-width: 100%;
  margin: 0 0 40px 0;
}

.prose {
  max-width: 100%;
}

.prose p {
  margin-bottom: 22px;
  font-size: 1.08rem;
  line-height: 1.75;
}

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

/* ============ WHO IT FITS — 6-grid ============ */
.section-fits {
  background: var(--bg-soft);
}

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

.fit-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s;
}

.fit-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.fit-icon {
  width: 48px;
  height: 48px;
  background: var(--tint-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 18px;
}

.fit-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}

.fit-card p {
  font-size: 1rem;
  line-height: 1.65;
}

/* ============ WHO IT DOESN'T FIT ============ */
.section-doesnt {
  background: white;
}

/* ============ HOW PLANS DIFFER — 4-grid ============ */
.section-plans {
  background: var(--bg-soft);
}

.plans-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.plan-item {
  display: flex;
  gap: 20px;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s;
}

.plan-item:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
}

.plan-num {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
}

.plan-item h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.plan-item p {
  font-size: 1rem;
  line-height: 1.65;
}

/* ============ HOW TO THINK ABOUT IT ============ */
.section-think {
  background: white;
}

.think-list {
  max-width: 100%;
  list-style: none;
  counter-reset: think-counter;
}

.think-list li {
  counter-increment: think-counter;
  display: flex;
  gap: 20px;
  margin-bottom: 28px;
  align-items: flex-start;
}

.think-list li::before {
  content: counter(think-counter);
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  background: var(--tint-blue);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  margin-top: 2px;
}

.think-list li p {
  font-size: 1.08rem;
  line-height: 1.7;
  margin: 0;
}

/* ============ HOW WE HELP — 3-step ============ */
.section-howwe {
  background: var(--bg-soft);
}

/* ============ FORM SECTION ============ */
.section-form {
  background: white;
  display: flex;
}

.form-wrap {
  max-width: 720px;
  margin: 0 auto;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-md);
  position: relative;
}

.form-wrap::before {
  content: '';
  position: absolute;
  top: -3px;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--navy), var(--light-blue));
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

/* GHL embed container */
.ghl-form-container {
  min-height: 120px;
  background: var(--pale-blue);
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 0.95rem;
  text-align: center;
  padding: 32px;
  font-style: italic;
}

/* ============ RESPONSIVE FOR HOSPITAL INDEMNITY ============ */
@media (max-width: 960px) {
  .fits-grid {
    grid-template-columns: 1fr 1fr;
  }

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

@media (max-width: 600px) {
  .fits-grid {
    grid-template-columns: 1fr;
  }

  .form-wrap {
    padding: 28px 20px;
  }
}

/* ============ FINAL EXPENSE PAGE STYLES ============ */
.section-why {
  background: var(--bg-soft);
}

.section-types {
  background: var(--bg);
}

.types-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 40px;
}

.type-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.2s;
}

.type-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.type-card-badge {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 24px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.badge-simplified {
  background: var(--tint-blue);
  color: var(--navy);
}

.badge-guaranteed {
  background: #FEF3C7;
  color: #92400E;
}

.type-card h3 {
  font-size: 1.3rem;
  margin-bottom: 14px;
}

.type-card p {
  font-size: 1.03rem;
  line-height: 1.72;
  margin-bottom: 14px;
}

.type-card p:last-child {
  margin-bottom: 0;
}

.type-card .type-note {
  background: var(--pale-blue);
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 0.98rem;
  color: var(--navy);
  font-weight: 600;
  margin-top: 18px;
}

.type-card.highlighted {
  border-color: var(--light-blue);
  box-shadow: 0 0 0 3px rgba(60, 153, 207, 0.15);
}

.section-amount {
  background: var(--bg-soft);
}

.amount-list {
  max-width: 100%;
  list-style: none;
}

.amount-list li {
  display: flex;
  gap: 20px;
  margin-bottom: 28px;
  align-items: flex-start;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  transition: all 0.2s;
}

.amount-list li:hover {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-md);
}

.amount-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--tint-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
}

.amount-list li p {
  font-size: 1.05rem;
  line-height: 1.7;
  margin: 0;
}

.amount-list li strong {
  color: var(--navy);
}

.section-cost {
  background: var(--bg);
}

.cost-factors {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  max-width: 100%;
  margin-bottom: 36px;
}

.cost-factor {
  background: var(--pale-blue);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.cost-factor-icon {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  background: var(--tint-blue);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
}

.cost-factor p {
  font-size: 1rem;
  line-height: 1.6;
  margin: 0;
}

.cost-factor strong {
  color: var(--navy);
  display: block;
  margin-bottom: 4px;
}

/* ============ RESPONSIVE FOR FINAL EXPENSE ============ */
@media (max-width: 960px) {
  .types-grid {
    grid-template-columns: 1fr;
  }

  .cost-factors {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .amount-list li {
    flex-direction: column;
    gap: 12px;
  }
}

/* ============ DENTAL & VISION PAGE STYLES ============ */
.badge-dental {
  background: var(--tint-blue);
  color: var(--navy);
}

.badge-vision {
  background: #FEF3C7;
  color: #92400E;
}

.section-consider {
  background: var(--bg);
}

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

.consider-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s;
}

.consider-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.consider-icon {
  width: 48px;
  height: 48px;
  background: var(--tint-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 18px;
  font-size: 1.4rem;
}

.consider-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}

.consider-card p {
  font-size: 1rem;
  line-height: 1.65;
}

.section-vs {
  background: var(--bg-soft);
}

.vs-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 40px;
}

.vs-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all 0.2s;
}

.vs-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
}

.vs-card-label {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 24px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.label-builtin {
  background: #FEF3C7;
  color: #92400E;
}

.label-standalone {
  background: var(--tint-blue);
  color: var(--navy);
}

.vs-card h3 {
  font-size: 1.25rem;
  margin-bottom: 14px;
}

.vs-card p {
  font-size: 1.03rem;
  line-height: 1.72;
  margin-bottom: 14px;
}

.vs-card p:last-child {
  margin-bottom: 0;
}

@media (max-width: 960px) {
  .consider-grid {
    grid-template-columns: 1fr 1fr;
  }

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

@media (max-width: 600px) {
  .consider-grid {
    grid-template-columns: 1fr;
  }
}

/* ============ NEW TO MEDICARE PAGE STYLES ============ */
.lang-notice {
  background: var(--pale-blue);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  font-size: 0.88rem;
  color: var(--text-muted);
  text-align: center;
}

.lang-notice a {
  color: var(--light-blue-dark);
}

.content-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  align-items: start;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
}

.content-main {
  min-width: 0;
}

.toc-sidebar {
  position: sticky;
  top: 100px;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
}

.toc-sidebar h4 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--text-muted);
  margin-bottom: 18px;
  font-weight: 800;
}

.toc-list {
  list-style: none;
  counter-reset: toc-counter;
}

.toc-list li {
  counter-increment: toc-counter;
  margin-bottom: 4px;
}

.toc-list a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-muted);
  line-height: 1.4;
  padding: 7px 10px;
  border-radius: 8px;
  transition: all 0.15s;
  text-decoration: none;
}

.toc-list a::before {
  content: counter(toc-counter);
  min-width: 20px;
  height: 20px;
  background: var(--pale-blue);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  transition: all 0.15s;
}

.toc-list a:hover,
.toc-list a.toc-active {
  color: var(--navy);
  background: var(--tint-blue);
}

.toc-list a.toc-active::before {
  background: var(--navy);
  color: white;
}

.toc-cta {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}

.toc-cta .btn {
  width: 100%;
  font-size: 0.95rem;
  min-height: 52px;
}

.mobile-toc {
  display: none;
  background: var(--tint-blue);
  border: 1.5px solid var(--light-blue);
  border-radius: var(--radius-lg);
  margin: 0 0 0;
  overflow: hidden;
}

.mobile-toc-toggle {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  cursor: pointer;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
  user-select: none;
}

.mobile-toc-toggle svg {
  transition: transform 0.2s;
  color: var(--light-blue-dark);
  flex-shrink: 0;
}

.mobile-toc.open .mobile-toc-toggle svg {
  transform: rotate(180deg);
}

.mobile-toc-list {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  background: white;
}

.mobile-toc.open .mobile-toc-list {
  max-height: 600px;
}

.mobile-toc-list ol {
  padding: 16px 22px 20px;
  list-style: none;
  counter-reset: mob-counter;
}

.mobile-toc-list li {
  counter-increment: mob-counter;
  margin-bottom: 6px;
}

.mobile-toc-list a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-muted);
  padding: 6px 0;
  text-decoration: none;
  line-height: 1.4;
}

.mobile-toc-list a::before {
  content: counter(mob-counter);
  min-width: 22px;
  height: 22px;
  background: var(--pale-blue);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.parts-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 40px;
}

.part-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.2s;
  position: relative;
  overflow: hidden;
}

.part-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--navy), var(--light-blue));
}

.part-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
  transform: translateY(-3px);
}

.part-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--navy);
  color: white;
  border-radius: 14px;
  font-size: 1.2rem;
  font-weight: 900;
  margin-bottom: 20px;
  font-style: italic;
}

.part-card h3 {
  font-size: 1.25rem;
  margin-bottom: 8px;
}

.part-subtitle {
  font-size: 0.88rem;
  color: var(--light-blue-dark);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
  display: block;
}

.part-card p {
  font-size: 1.03rem;
  line-height: 1.72;
  margin-bottom: 14px;
}

.part-card p:last-child {
  margin-bottom: 0;
}

.part-note {
  background: var(--pale-blue);
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 0.98rem;
  color: var(--navy);
  font-weight: 600;
  margin-top: 18px;
  border-left: 3px solid var(--light-blue);
}

.paths-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 40px;
}

.path-card {
  background: white;
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.2s;
}

.path-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
}

.path-label {
  display: inline-block;
  padding: 5px 16px;
  border-radius: 24px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.path-label-1 {
  background: var(--tint-blue);
  color: var(--navy);
}

.path-label-2 {
  background: #FEF3C7;
  color: #92400E;
}

.path-card h3 {
  font-size: 1.2rem;
  margin-bottom: 14px;
}

.path-card p {
  font-size: 1.03rem;
  line-height: 1.72;
  margin-bottom: 12px;
}

.path-card p:last-child {
  margin-bottom: 0;
}

.path-list {
  list-style: none;
  margin: 14px 0;
}

.path-list li {
  font-size: 1rem;
  color: var(--text-body);
  line-height: 1.6;
  padding: 6px 0 6px 22px;
  position: relative;
  border-bottom: 1px solid var(--border);
}

.path-list li:last-child {
  border-bottom: none;
}

.path-list li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--light-blue-dark);
  font-weight: 700;
}

.windows-list {
  list-style: none;
  counter-reset: window-counter;
}

.window-item {
  counter-increment: window-counter;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 32px 32px 80px;
  margin-bottom: 20px;
  position: relative;
  transition: all 0.2s;
}

.window-item:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--light-blue);
}

.window-item::before {
  content: counter(window-counter);
  position: absolute;
  left: 24px;
  top: 28px;
  width: 40px;
  height: 40px;
  background: var(--navy);
  color: white;
  font-size: 1.15rem;
  font-weight: 900;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.window-item h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.window-item p {
  font-size: 1.03rem;
  line-height: 1.72;
  margin-bottom: 10px;
}

.window-item p:last-child {
  margin-bottom: 0;
}

.window-item .window-timing {
  display: inline-block;
  background: var(--tint-blue);
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 14px;
}

.window-critical {
  border-left: 5px solid var(--accent);
  background: #FFFBF0;
  border-top-color: var(--accent);
}

.mistakes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

@media (max-width: 1080px) {
  .content-layout {
    grid-template-columns: 1fr;
  }

  .toc-sidebar {
    display: none;
  }

  .mobile-toc {
    display: block;
  }
}

@media (max-width: 960px) {
  .parts-grid {
    grid-template-columns: 1fr;
  }

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

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

  .window-item {
    padding: 28px 24px 28px 72px;
  }
}

@media (max-width: 600px) {
  .mistakes-grid {
    grid-template-columns: 1fr;
  }

  .window-item {
    padding: 24px 20px 24px 64px;
  }

  .window-item::before {
    left: 18px;
    top: 24px;
  }
}

/* ============ RESOURCE PAGES STYLES ============ */
.phone-pullout {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px 36px;
  margin: 40px auto 0;
  display: flex;
  align-items: center;
  gap: 36px;
  flex-wrap: wrap;
  max-width: 800px;
}

.phone-pullout-label {
  flex: 1;
  min-width: 200px;
  color: #C5D9EC;
  font-size: 1.08rem;
  font-weight: 500;
  line-height: 1.6;
  margin: 0;
}

.phone-pullout-cta {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 4px;
  flex-shrink: 0;
}

.phone-pullout-cta a {
  color: var(--accent);
  font-size: 1.75rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 10px;
  transition: color 0.15s;
}

.phone-pullout-cta a:hover {
  color: var(--accent-dark);
}

.phone-pullout-meta {
  color: #8AA5C2;
  font-size: 0.82rem;
  font-weight: 500;
  text-align: right;
}

.bullet-list {
  list-style: none;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.bullet-list li {
  display: flex;
  gap: 18px;
  margin-bottom: 14px;
  align-items: flex-start;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 18px 24px;
  transition: all 0.2s;
}

.bullet-list li:hover {
  border-color: var(--light-blue);
  box-shadow: var(--shadow-sm);
}

.bullet-icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--success);
  font-weight: 800;
  font-size: 1rem;
}

.situation-badge {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 24px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
  align-self: flex-start;
}

.badge-s1 {
  background: var(--tint-blue);
  color: var(--navy);
}

.badge-s2 {
  background: #FEF3C7;
  color: #92400E;
}

.badge-s3 {
  background: #F0FDF4;
  color: #166534;
}

.situation-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--light-blue-dark);
  margin-top: 16px;
  transition: color 0.15s;
}

.involve-list {
  list-style: none;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.involve-list li {
  display: flex;
  gap: 20px;
  margin-bottom: 18px;
  align-items: flex-start;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
  transition: all 0.2s;
}

.involve-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.note-box {
  max-width: 800px;
  margin-top: 24px;
  margin-left: auto;
  margin-right: auto;
  padding: 22px 26px;
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  border-left: 5px solid var(--navy);
  background: var(--pale-blue);
  border: 1.5px solid var(--border);
  border-left-width: 5px;
}

.note-box-blue {
  border-left-color: var(--light-blue);
}

.scam-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 2px;
  width: 42px;
  height: 42px;
  background: #FEF2F2;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.sibling-list {
  list-style: none;
  max-width: 800px;
  margin-top: 28px;
  margin-left: auto;
  margin-right: auto;
}

.sibling-list li {
  display: flex;
  gap: 20px;
  margin-bottom: 18px;
  align-items: flex-start;
  background: var(--pale-blue);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
}

.ep-overview {
  list-style: none;
  max-width: 800px;
  margin: 32px auto 0;
}

.ep-overview li {
  display: flex;
  gap: 20px;
  margin-bottom: 14px;
  align-items: flex-start;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
}

.ep-num {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.92rem;
  font-weight: 800;
}

.ep-card {
  max-width: 860px;
  margin: 0 auto;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: 0;
}

.ep-card-header {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 24px 32px;
  background: var(--tint-blue);
  border-bottom: 1.5px solid var(--border);
}

.ep-date-badge {
  display: inline-flex;
  align-items: center;
  padding: 6px 16px;
  border-radius: 24px;
  font-size: 0.85rem;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}

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

.badge-maoep {
  background: #FEF3C7;
  color: #92400E;
}

.badge-medigap {
  background: #F0FDF4;
  color: #166534;
}

.badge-sep {
  background: #FDF2F8;
  color: #86198F;
}

.badge-iep {
  background: #EFF6FF;
  color: #1D4ED8;
}

.ep-card-body {
  padding: 28px 32px;
}

.can-list,
.cannot-list {
  list-style: none;
  margin: 16px 0;
}

.can-list li,
.cannot-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 1.02rem;
  line-height: 1.65;
}

.can-list li::before {
  content: '✓';
  color: var(--success);
  font-weight: 800;
  flex-shrink: 0;
  width: 22px;
  margin-top: 1px;
}

.cannot-list li::before {
  content: '✕';
  color: #DC2626;
  font-weight: 800;
  flex-shrink: 0;
  width: 22px;
  margin-top: 1px;
}

.ep-note {
  background: var(--pale-blue);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-top: 18px;
  font-size: 0.98rem;
  color: var(--navy);
  font-weight: 600;
}

.sep-alert {
  max-width: 900px;
  margin: 36px auto 0;
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px 36px;
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}

.sep-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 2px;
  width: 42px;
  height: 42px;
  background: var(--tint-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

@media (max-width: 960px) {
  .phone-pullout {
    flex-direction: column;
    align-items: flex-start;
    gap: 20px;
  }

  .ep-card-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
}

/* ============ STATE LICENSING CUSTOM STYLES ============ */

/* ============ HERO (SIMPLE) ============ */
.hero-simple {
  background: linear-gradient(135deg, var(--pale-blue) 0%, #FFFFFF 100%);
  padding: 48px 0 60px;
  text-align: center;
}

.hero-simple-content {
  max-width: 900px;
  margin: 0 auto;
}

.hero-simple h1 {
  margin-bottom: 16px;
}

.hero-simple .lead {
  margin-bottom: 0;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}

.content-max {
  max-width: 900px;
  margin: 0 auto;
}

.content-max h2 {
  margin-bottom: 32px;
}

.content-max p {
  margin-bottom: 20px;
}

.content-max p:last-child {
  margin-bottom: 0;
}

.content-max ul,
.content-max ol {
  margin-bottom: 28px;
  padding-left: 24px;
}

.content-max ul li,
.content-max ol li {
  margin-bottom: 16px;
  color: var(--text-body);
  font-size: 1.0625rem;
}

.content-max ul li:last-child,
.content-max ol li:last-child {
  margin-bottom: 0;
}

.content-max strong {
  color: var(--navy);
  font-weight: 700;
}

/* ============ COMPANY INFO BOX ============ */
.company-info-box {
  background: var(--tint-blue);
  border: 2px solid var(--light-blue);
  border-radius: var(--radius-lg);
  padding: 40px;
  margin: 48px 0;
}

.company-info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
}

.company-info-item {
  display: flex;
  flex-direction: column;
}

.company-info-item-label {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--light-blue-dark);
  margin-bottom: 8px;
}

.company-info-item-value {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
}

/* ============ STATES LIST ============ */
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 48px 0;
}

.state-item {
  background: var(--bg);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 18px;
  text-align: center;
  transition: all 0.2s;
  font-weight: 600;
  color: var(--navy);
}

.state-item:hover {
  border-color: var(--light-blue);
  background: var(--pale-blue);
  box-shadow: var(--shadow-sm);
}

.states-total {
  text-align: center;
  margin-top: 40px;
  padding: 24px;
  background: var(--bg-soft);
  border-radius: var(--radius);
}

.states-total p {
  font-size: 1.1rem;
  color: var(--text-body);
  margin: 0;
}

.states-total-label {
  font-weight: 700;
  color: var(--navy);
}

.states-date {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-top: 12px;
}

/* ============ INFO BOX ============ */
.info-box {
  background: var(--tint-blue);
  border-left: 4px solid var(--light-blue);
  padding: 28px;
  border-radius: var(--radius);
  margin: 40px 0;
}

.info-box h4 {
  margin-bottom: 12px;
  color: var(--navy);
}

.info-box p {
  margin-bottom: 0;
}

/* ============ CONTACT BOX ============ */
.contact-box {
  background: var(--pale-blue);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  margin: 48px 0;
  text-align: center;
}

.contact-box h3 {
  margin-bottom: 28px;
  color: var(--navy);
}

.contact-items {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px;
  margin-bottom: 32px;
}

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

.contact-label {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--light-blue-dark);
  margin-bottom: 8px;
}

.contact-value {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
}

.contact-value a {
  color: var(--light-blue-dark);
  text-decoration: none;
  transition: color 0.15s;
}

.contact-value a:hover {
  color: var(--navy);
}

.contact-meta {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-top: 28px;
  line-height: 1.6;
}

@media (max-width: 960px) {
  .states-grid {
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  }

  .company-info-grid {
    grid-template-columns: 1fr;
  }

  .contact-items {
    grid-template-columns: 1fr;
    gap: 20px;
  }
}

@media (max-width: 768px) {
  .states-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .company-info-box,
  .contact-box {
    padding: 28px;
  }
}

@media (max-width: 480px) {
  .states-grid {
    grid-template-columns: 1fr;
  }

  .state-item {
    padding: 14px;
    font-size: 0.95rem;
  }

  .contact-items {
    grid-template-columns: 1fr;
  }
}

/* ============ LEGAL PAGES STYLES ============ */

/* LEGAL HERO */
.legal-hero {
  background:
    radial-gradient(ellipse at top right, rgba(60,153,207,0.12) 0%, transparent 55%),
    radial-gradient(ellipse at bottom left, rgba(38,61,125,0.06) 0%, transparent 50%),
    linear-gradient(180deg, var(--pale-blue) 0%, #FFFFFF 100%);
  padding: 64px 0 72px;
}
.legal-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: white; color: var(--light-blue-dark);
  padding: 8px 16px; border-radius: 24px; font-size: 0.95rem; font-weight: 700;
  margin-bottom: 24px; border: 1.5px solid var(--light-blue); box-shadow: var(--shadow-sm);
}
.legal-hero h1 { margin-bottom: 20px; }
.legal-hero .hero-sub {
  font-size: 1.15rem; color: var(--text-body); margin-bottom: 24px;
  max-width: 720px; line-height: 1.6;
}
.effective-dates {
  display: flex; gap: 32px; flex-wrap: wrap;
  padding: 16px 20px; background: white; border: 1.5px solid var(--border);
  border-radius: var(--radius); display: inline-flex; align-items: center; gap: 32px;
}
.effective-dates span { font-size: 0.95rem; color: var(--text-muted); }
.effective-dates strong { color: var(--text); }

/* LEGAL BODY LAYOUT */
.legal-body { padding: 64px 0 80px; }
.legal-layout { display: grid; grid-template-columns: 280px 1fr; gap: 56px; align-items: start; }
.legal-content-narrow { max-width: 860px; }

/* TOC SIDEBAR */
.toc-sidebar {
  position: sticky; top: 100px;
  background: white; border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px 24px;
  box-shadow: var(--shadow-sm); max-height: calc(100vh - 130px); overflow-y: auto;
}
.toc-sidebar h2 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); margin-bottom: 16px; font-weight: 800; }
.toc-sidebar ol { list-style: none; padding: 0; }
.toc-sidebar > ol > li { margin-bottom: 4px; }
.toc-sidebar > ol > li > a {
  display: block; padding: 6px 10px; border-radius: 6px; font-size: 0.9rem; font-weight: 600;
  color: var(--text-body); transition: all 0.15s; border-left: 3px solid transparent; line-height: 1.4;
}
.toc-sidebar > ol > li > a:hover, .toc-sidebar > ol > li > a.active {
  background: var(--tint-blue); color: var(--navy); border-left-color: var(--light-blue);
}
.toc-section-label {
  font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--light-blue-dark); font-weight: 800; margin: 18px 0 8px 10px;
}
.toc-sidebar a.sms-link { color: var(--accent-dark); font-weight: 700; }
.toc-sidebar a.sms-link:hover { background: #FEF9EC; border-left-color: var(--accent); color: var(--accent-dark); }

/* TOC MOBILE COLLAPSIBLE */
.toc-mobile { display: none; margin-bottom: 32px; }
.toc-mobile-toggle {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  background: var(--tint-blue); border: 1.5px solid var(--light-blue);
  border-radius: var(--radius); padding: 14px 18px; font-weight: 700; color: var(--navy);
  font-size: 1rem; cursor: pointer; font-family: inherit;
}
.toc-mobile-toggle svg { transition: transform 0.2s; }
.toc-mobile-toggle.open svg { transform: rotate(180deg); }
.toc-mobile-content { display: none; background: white; border: 1.5px solid var(--border); border-top: none; border-radius: 0 0 var(--radius) var(--radius); padding: 16px 18px; }
.toc-mobile-content.open { display: block; }
.toc-mobile-content ol { list-style: none; padding: 0; }
.toc-mobile-content ol li { margin-bottom: 4px; }
.toc-mobile-content ol li a { display: block; padding: 7px 10px; border-radius: 6px; font-size: 0.95rem; font-weight: 600; color: var(--text-body); }
.toc-mobile-content ol li a:hover { background: var(--tint-blue); color: var(--navy); }
.toc-mobile-content .toc-section-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--light-blue-dark); font-weight: 800; margin: 14px 0 6px 10px; }

/* LEGAL CONTENT */
.legal-content section { margin-bottom: 56px; scroll-margin-top: 100px; padding: 0; }
.legal-content section + section { border-top: none; }
.legal-content h2 {
  font-size: 1.6rem; margin-bottom: 20px; padding-bottom: 12px;
  border-bottom: 2px solid var(--border); color: var(--navy);
}
.legal-content h3 { font-size: 1.2rem; margin-bottom: 12px; color: var(--navy); margin-top: 28px; }
.legal-content p { font-size: 1.0625rem; line-height: 1.75; color: var(--text-body); margin-bottom: 16px; }
.legal-content ul, .legal-content ol { margin: 12px 0 18px 24px; }
.legal-content li { font-size: 1.0625rem; line-height: 1.7; color: var(--text-body); margin-bottom: 8px; }
.legal-content strong { color: var(--text); }

/* Part divider */
.part-divider {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: white; padding: 36px 40px; border-radius: var(--radius-lg); margin-bottom: 48px;
  scroll-margin-top: 100px;
}
.part-divider .part-label { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--light-blue); font-weight: 800; margin-bottom: 8px; }
.part-divider h2 { color: white; border: none; padding: 0; margin: 0; font-size: 1.8rem; }

/* SMS section highlight */
.sms-section-wrap {
  background: #FFFBF0; border: 2px solid var(--accent);
  border-radius: var(--radius-lg); padding: 40px; margin-bottom: 40px;
  scroll-margin-top: 100px;
}
.sms-section-wrap h2 { border-bottom-color: var(--accent); }
.sms-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--accent); color: var(--navy-darker); padding: 4px 12px;
  border-radius: 20px; font-size: 0.8rem; font-weight: 800; margin-bottom: 12px;
  text-transform: uppercase; letter-spacing: 0.08em;
}

/* ALL-CAPS legal sections */
.legal-caps {
  font-size: 0.95rem; line-height: 1.75; color: var(--text-body); margin-bottom: 16px;
  background: var(--bg-soft); border: 1.5px solid var(--border); border-radius: var(--radius);
  padding: 20px 24px;
}

/* Highlight box for phone access */
.access-callout {
  background: var(--tint-blue); border: 2px solid var(--light-blue);
  border-radius: var(--radius-lg); padding: 28px 32px; margin: 28px 0;
  display: flex; gap: 20px; align-items: flex-start;
}
.access-callout-icon {
  width: 52px; height: 52px; background: var(--navy); border-radius: 12px;
  display: flex; align-items: center; justify-content: center; color: white; flex-shrink: 0;
}
.access-callout-text h3 { margin: 0 0 8px; font-size: 1.15rem; }
.access-callout-text p { margin: 0; font-size: 1.0625rem; }

/* WCAG badge */
.wcag-badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 10px 18px;
  background: white; border: 2px solid var(--success); border-radius: var(--radius);
  margin-bottom: 20px;
}
.wcag-badge-dot { width: 10px; height: 10px; background: var(--success); border-radius: 50%; }
.wcag-badge span { font-size: 0.95rem; font-weight: 700; color: var(--success); }

@media (max-width: 960px) {
  .legal-layout { grid-template-columns: 1fr; }
  .toc-sidebar { display: none; }
  .toc-mobile { display: block; }
  .effective-dates { flex-direction: column; gap: 8px; }
  .sms-section-wrap { padding: 24px 20px; }
  .access-callout { flex-direction: column; gap: 14px; }
}
@media (max-width: 600px) {
  .legal-hero { padding: 48px 0 56px; }
}