/* ============================================================
   TAMANG INSURANCE — STYLESHEET
   Template 2: Clean & Trustworthy

   Table of Contents
   -----------------
   1.  Design Tokens (CSS variables)
   2.  Reset & Base
   3.  Focus Styles (accessibility)
   4.  Navigation
   5.  Dropdown Menu
   6.  Page System (show/hide pages)
   7.  Hero Banner
   9.  Buttons
   10. Quick Action Cards
   11. Section Layouts & Labels
   12. Insurance Product Cards
   13. Trust Section
   14. How It Works Steps
   15. Free Review Box
   16. Insurance Sub-Page Heroes
   17. Need / Situation Cards
   18. Before-You-Start Checklist
   19. Coverage Checklist
   20. CTA Banner
   21. Page Header (Payment, Claims, etc.)
   22. Payment Page
   24. Modals (Payment & Claims)
   25. Claims Page
   26. About Page
   27. Contact Page
   28. Alert Box
   29. Tabs
   30. Footer
   31. Responsive (tablet & mobile)
   32. Scroll Reveal Animations
============================================================ */


/* ============================================================
   1. DESIGN TOKENS
============================================================ */
:root {
  --navy:         #2b5b9f;
  --navy-mid:     #376ab5;
  --blue:         #3368b7;
  --sky:          #e8f2ff;
  --green:        #98c73c;
  --green-light:  #7daa2c;
  --accent:       #98c73c;
  --accent-light: #7daa2c;

  --light:  #f7f9fc;
  --white:  #ffffff;
  --text:   #1a2433;
  --muted:  #000000;
  --border: #e4eaf3;

  --shadow-xs:   0 1px 2px rgba(26,61,110,.04);
  --shadow-sm:   0 2px 8px rgba(26,61,110,.07), 0 1px 3px rgba(26,61,110,.04);
  --card-shadow: 0 4px 24px rgba(26,61,110,.09), 0 1px 4px rgba(26,61,110,.05);
  --shadow-lg:   0 16px 48px rgba(26,61,110,.13), 0 4px 16px rgba(26,61,110,.07);
  --shadow-xl:   0 28px 70px rgba(26,61,110,.18), 0 8px 24px rgba(26,61,110,.09);
  --glow-green:  0 8px 32px rgba(152,199,60,.28);

  --radius:    14px;
  --radius-sm: 9px;
  --radius-lg: 22px;
  --ease:      cubic-bezier(.4, 0, .2, 1);
  --ease-out:  cubic-bezier(0, 0, .2, 1);
}


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

html { scroll-behavior: smooth; font-size: 17px; }

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text);
  background: var(--white);
  font-size: 17px;
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: 'Montserrat', sans-serif;
  line-height: 1.2;
}


/* ============================================================
   3. FOCUS STYLES
============================================================ */
.menu-toggle:focus-visible,
.nav-logo:focus-visible,
.nav-links a:focus-visible,
.nav-links button:focus-visible,
.btn:focus-visible,
.qa-card:focus-visible,
.ins-card:focus-visible,
.need-card:focus-visible,
.modal-option:focus-visible,
.modal-close:focus-visible,
.tab-btn:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 3px;
}


/* ============================================================
   4. NAVIGATION
============================================================ */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 60px;
  height: 72px;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 20px rgba(26,61,110,.06);
  transition: box-shadow .3s var(--ease);
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  cursor: pointer;
}
.nav-logo img {
  height: 44px;
  width: auto;
  object-fit: contain;
}
.nav-logo-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.25rem;
  color: var(--navy);
  letter-spacing: -.01em;
  font-weight: 700;
}

/* Nav link list */
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links > li { position: relative; }

.nav-links a,
.nav-links button {
  color: var(--muted);
  text-decoration: none;
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: background .2s, color .2s;
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
  background: transparent;
  border: 0;
}
.nav-links a:hover,
.nav-links a.active,
.nav-links button:hover,
.nav-links button[aria-expanded="true"] {
  background: var(--sky);
  color: var(--navy);
}

/* Phone link in nav */
.nav-phone-link {
  color: var(--navy) !important;
  font-weight: 600 !important;
}

/* "Get a Quote" CTA pill */
.nav-links li a.btn-quote-nav {
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
  padding: 10px 24px;
  border-radius: 50px;
  font-size: .875rem;
  box-shadow: 0 4px 16px rgba(26,61,110,.25);
  transition: all .25s var(--ease);
}
.nav-links li a.btn-quote-nav:hover {
  background: var(--blue);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(26,61,110,.35);
}

/* Mobile hamburger */
.menu-toggle {
  display: none;
  background: transparent;
  border: 0;
  width: 44px;
  height: 44px;
  border-radius: 8px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
}
.menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
}


/* ============================================================
   5. DROPDOWN MENU
============================================================ */
.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: 0 8px 30px rgba(0,0,0,.12);
  min-width: 210px;
  padding: 6px;
  z-index: 200;
  border: 1px solid var(--border);
  animation: dropIn .18s var(--ease-out);
}
/* :hover only applies on devices that actually have a hover pointer (desktop).
   On touch devices, :hover sticks after a tap and prevents the dropdown from
   closing — so we gate the hover rule behind a media query and rely on JS
   toggling the .open class for mobile/touch. */
.has-dropdown.open .dropdown { display: block; }
@media (hover: hover) and (pointer: fine) {
  .nav-links li:hover .dropdown { display: block; }
}

.dropdown a {
  color: var(--text);
  font-size: .88rem;
  padding: 9px 14px;
  border-radius: 6px;
  display: block;
}
.dropdown a:hover { background: var(--sky); color: var(--navy); }


/* ============================================================
   7. HERO BANNER
============================================================ */
.hero {
  background: var(--navy);
  padding: 100px 60px 120px;
  position: relative;
  overflow: hidden;
}
/* Soft radial highlight (kept subtle, no plus-sign pattern) */
.hero::before {
  content: '';
  position: absolute;
  top: -50%; right: -10%;
  width: 800px; height: 800px;
  background: radial-gradient(circle, rgba(255,255,255,.04) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

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

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: .8rem;
  color: rgba(255,255,255,.9);
  margin-bottom: 28px;
  font-weight: 500;
}
.hero-label::before { content: '✓'; color: var(--green); font-weight: 700; }

.hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(2.6rem, 4.2vw, 3.9rem);
  font-weight: 700;
  color: white;
  line-height: 1.2;
  letter-spacing: -.02em;
  margin-bottom: 20px;
}
.hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 460px;
}
.hero-btns {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
}

/* Hero right — quote card */
.quote-card {
  background: var(--white);
  border-radius: 20px;
  padding: 40px;
  box-shadow: 0 24px 80px rgba(0,0,0,.25);
  position: relative;
  z-index: 1;
}
.quote-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.quote-card > p {
  font-size: .875rem;
  color: var(--muted);
  margin-bottom: 28px;
}
.qc-row { margin-bottom: 16px; }
.qc-row label {
  display: block;
  font-size: .8rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
  letter-spacing: .02em;
  font-family: 'Montserrat', sans-serif;
}
.qc-row select,
.qc-row input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem;
  color: var(--text);
  background: var(--light);
  outline: none;
  transition: border-color .2s;
}
.qc-row select:focus,
.qc-row input:focus { border-color: var(--blue); }

.qc-submit {
  display: block;
  width: 100%;
  background: var(--navy);
  color: white;
  border: none;
  padding: 16px;
  border-radius: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s, transform .2s;
  margin-top: 8px;
  text-decoration: none;
  text-align: center;
}
.qc-submit:hover { background: var(--blue); transform: translateY(-1px); }

.qc-note {
  text-align: center;
  font-size: .75rem;
  color: var(--muted);
  margin-top: 12px;
}

/* Legacy hero elements — hidden in new template */
.hero-glow, .hero-tag { display: none; }


/* ============================================================
   9. BUTTONS
============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 50px;
  font-family: 'Montserrat', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  text-decoration: none;
  transition: all .25s var(--ease);
  white-space: nowrap;
  letter-spacing: .01em;
  position: relative;
  overflow: hidden;
}

.btn-primary {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 6px 24px rgba(152,199,60,.4);
}
.btn-primary:hover {
  background: var(--green-light);
  transform: translateY(-2px);
  box-shadow: 0 10px 32px rgba(152,199,60,.5);
}
.btn-primary:active { transform: translateY(0); box-shadow: none; }

.btn-outline {
  background: rgba(255,255,255,.09);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.4);
}
.btn-outline:hover {
  background: rgba(255,255,255,.18);
  border-color: rgba(255,255,255,.7);
  transform: translateY(-1px);
}

.btn-blue {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(26,61,110,.25);
}
.btn-blue:hover {
  background: var(--blue);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(26,61,110,.35);
}

.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--blue); transform: translateY(-1px); }

.btn-green {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: white;
  padding: 16px 36px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 600;
  font-size: 1rem;
  transition: all .2s;
  box-shadow: 0 6px 24px rgba(152,199,60,.4);
}
.btn-green:hover { background: var(--green-light); transform: translateY(-2px); }

.btn-lg   { padding: 16px 36px; font-size: 1rem; }
.btn-sm   { padding: 9px 20px; font-size: .84rem; }
.btn-full { width: 100%; justify-content: center; }


/* ============================================================
   10. QUICK ACTION CARDS
============================================================ */
.quick-actions {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
  padding: 40px;
  max-width: 1000px;
  margin: -30px auto 0;
  position: relative;
  z-index: 10;
}
.qa-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--card-shadow);
  padding: 28px 20px 24px;
  text-align: center;
  cursor: pointer;
  border: 1.5px solid var(--border);
  transition: all .3s var(--ease);
  text-decoration: none;
  color: inherit;
  display: block;
  position: relative;
  overflow: hidden;
}
.qa-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(152,199,60,.05) 0%, transparent 60%);
  opacity: 0;
  transition: opacity .3s;
}
.qa-card:hover {
  border-color: var(--green);
  box-shadow: var(--shadow-lg), var(--glow-green);
  transform: translateY(-5px);
}
.qa-card:hover::before { opacity: 1; }
.qa-icon  { font-size: 2rem; margin-bottom: 14px; line-height: 1; }
.qa-label { font-size: .9rem; font-weight: 700; color: var(--navy); letter-spacing: .01em; }
.qa-sub   { font-size: .76rem; color: var(--muted); margin-top: 5px; }


/* ============================================================
   11. SECTION LAYOUTS & LABELS
============================================================ */
.section {
  padding: 70px 40px;
  max-width: 1100px;
  margin: 0 auto;
}
.section-full { padding: 80px 60px; background-color: #ffffff; }
.section-full .inner { max-width: 1100px; margin: 0 auto; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .71rem;
  font-weight: 700;
  letter-spacing: .11em;
  text-transform: uppercase;
  color: var(--green-light);
  background: rgba(152,199,60,.1);
  border: 1px solid rgba(152,199,60,.25);
  padding: 4px 13px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.section-tag {
  display: inline-block;
  background: rgba(152,199,60,.1);
  color: var(--green-light);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.section-title {
  font-size: clamp(1.8rem, 3.4vw, 2.5rem);
  color: var(--navy);
  margin-bottom: 14px;
  letter-spacing: -.015em;
  line-height: 1.18;
}
.section-title--sm { font-size: 1.55rem; }

.section-sub { color: var(--muted); font-size: 1rem; max-width: 560px; }

.section-header         { margin-bottom: 40px; }
.section-header--center { text-align: center; }
.section-header--tight  { margin-bottom: 20px; }
.section-header--spaced { margin-top: 50px; }
.section-cta { margin-top: 50px; text-align: center; }


/* ============================================================
   12. INSURANCE PRODUCT CARDS
============================================================ */
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.ins-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  padding: 40px;
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 24px;
  align-items: start;
  cursor: pointer;
  transition: all .3s var(--ease);
  text-decoration: none;
  color: inherit;
  position: relative;
  overflow: hidden;
}
.ins-card:hover {
  border-color: var(--blue);
  box-shadow: 0 12px 40px rgba(37,84,160,.1);
  transform: translateY(-4px);
}
.ins-card .card-icon {
  width: 72px;
  height: 72px;
  border-radius: 16px;
  background: var(--sky);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  flex-shrink: 0;
}
.ic-auto   .card-icon { background: var(--sky); }
.ic-home   .card-icon { background: #fef3e2; }
.ic-health .card-icon { background: #e8f8ee; }
.ic-life   .card-icon { background: #eef5e2; }

.ins-card-body { display: flex; flex-direction: column; }
.ins-card h3 { font-family: 'Montserrat', sans-serif; font-size: 1.25rem; color: var(--navy); margin-bottom: 10px; }
.ins-card p  { font-size: .875rem; color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.ins-card .card-link { font-size: .84rem; font-weight: 600; color: var(--green-light); margin-top: auto; }

.card-features { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 4px; }
.feature-pill {
  background: var(--sky);
  color: var(--blue);
  font-size: .72rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 50px;
}


/* ============================================================
   13. TRUST SECTION
============================================================ */
.trust-section {
  background-color: #ffffff;
  padding: 80px 60px;
}
.trust-section-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.trust-item-card {
  text-align: center;
  padding: 40px 28px;
  background: var(--white);
  border-radius: 20px;
  border: 1px solid var(--border);
  transition: all .3s var(--ease);
}
.trust-item-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: rgba(152,199,60,.25);
}
.trust-item-card .t-icon { font-size: 2.5rem; margin-bottom: 16px; display: block; }
.trust-item-card h4 { font-family: 'Montserrat', sans-serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 10px; }
.trust-item-card p  { font-size: .875rem; color: var(--muted); line-height: 1.6; }

/* Legacy trust-strip — kept minimal for any leftover references */
.trust-strip {
  background-color: #ffffff;
  border-top: 1px solid var(--border);
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  padding: 24px 40px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--muted);
  padding: 8px 24px;
  font-size: .88rem;
  font-weight: 500;
}
.trust-item .t-icon { font-size: 1.2rem; }


/* ============================================================
   14. HOW IT WORKS STEPS
============================================================ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 30px;
}
.step { text-align: center; }
.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  margin: 0 auto 18px;
  box-shadow: 0 4px 18px rgba(26,61,110,.3);
}
.step h4 { font-family: 'Montserrat', sans-serif; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.step p  { font-size: .85rem; color: var(--muted); }


/* ============================================================
   15. FREE REVIEW BOX
============================================================ */
.review-box {
  background: linear-gradient(135deg, #eef9f7 0%, #d8f0ec 100%);
  border: 1.5px solid rgba(152,199,60,.25);
  border-radius: var(--radius);
  padding: 44px;
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
  margin-top: 60px;
  box-shadow: 0 4px 24px rgba(152,199,60,.1);
}
.review-box .rb-icon { font-size: 3rem; flex-shrink: 0; }
.review-box h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.review-box p { color: var(--muted); font-size: .92rem; margin-bottom: 16px; }


/* ============================================================
   16. INSURANCE SUB-PAGE HEROES
============================================================ */
.ins-hero {
  padding: 60px 40px;
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}
.ins-hero-text { flex: 1; min-width: 280px; }
.ins-hero-text .badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--sky);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  padding: 5px 12px;
  font-size: .78rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 16px;
}
.ins-hero-text h1 { font-size: clamp(2rem, 3.2vw, 2.7rem); color: var(--navy); margin-bottom: 12px; letter-spacing: -.02em; line-height: 1.12; }
.ins-hero-text p  { color: var(--muted); font-size: 1rem; margin-bottom: 24px; max-width: 420px; }

.ins-hero-visual {
  flex: 1;
  min-width: 260px;
  border-radius: 16px;
  height: 220px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.ins-hero-photo { width: 100%; height: 100%; object-fit: cover; display: block; }
.ins-hero-visual--auto   { background: linear-gradient(135deg, #e8f2ff, #dce9fc); }
.ins-hero-visual--home   { background: linear-gradient(135deg, #fef3e2, #fde8c0); }
.ins-hero-visual--health { background: linear-gradient(135deg, #e8f8ee, #c8f0d8); }
.ins-hero-visual--life   { background: linear-gradient(135deg, #eef5e2, #d8edb8); }

/* Larger photo-hero layout — Auto, Homeowners, Renters, Health, Life pages only */
#page-auto .ins-hero,
#page-home-ins .ins-hero,
#page-renters .ins-hero,
#page-life .ins-hero,
#page-health .ins-hero {
  display: grid;
  grid-template-columns: minmax(420px, 460px) minmax(520px, 580px);
  align-items: center;
  justify-content: space-between;
  gap: 64px;
  max-width: 1180px;
  margin: 0 auto;
}
#page-auto .ins-hero-visual,
#page-home-ins .ins-hero-visual,
#page-renters .ins-hero-visual,
#page-life .ins-hero-visual,
#page-health .ins-hero-visual {
  width: 100%;
  max-width: 580px;
  min-width: 0;
  height: auto;
  aspect-ratio: 16 / 9;
  margin: 0;
  align-self: center;
}
#page-auto .ins-hero-text h1,
#page-home-ins .ins-hero-text h1,
#page-renters .ins-hero-text h1,
#page-life .ins-hero-text h1,
#page-health .ins-hero-text h1 {
  margin: 0 0 18px;
  line-height: 1.05;
}
#page-auto .ins-hero-text p,
#page-home-ins .ins-hero-text p,
#page-renters .ins-hero-text p,
#page-life .ins-hero-text p,
#page-health .ins-hero-text p {
  width: 100%;
  max-width: 450px;
  margin: 0 0 28px;
  line-height: 1.6;
}

/* Auto hero photo is a transparent cutout — drop the framed-box treatment */
#page-auto .ins-hero-visual {
  background: transparent;
  box-shadow: none;
  border-radius: 0;
  overflow: visible;
}
#page-auto .ins-hero-photo {
  object-fit: contain;
}


/* ============================================================
   17. NEED / SITUATION CARDS
============================================================ */
.need-grid       { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 16px; }
.need-grid--wide { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
.need-grid--life { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.need-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 20px;
  text-align: center;
  cursor: pointer;
  transition: all .3s var(--ease);
  text-decoration: none;
  color: inherit;
  display: block;
}
.need-card:hover {
  border-color: var(--blue);
  box-shadow: 0 12px 40px rgba(37,84,160,.1);
  transform: translateY(-4px);
}
.need-card .nc-icon { font-size: 2rem; margin-bottom: 10px; }
.need-card h4 { font-family: 'Montserrat', sans-serif; font-size: .9rem; font-weight: 600; color: var(--navy); }
.need-card p  { font-size: .78rem; color: var(--muted); margin-top: 4px; line-height: 1.4; }


/* ============================================================
   18. BEFORE-YOU-START CHECKLIST
============================================================ */
.before-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 14px;
}
.before-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 18px 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.before-item .bi-icon { font-size: 1.5rem; flex-shrink: 0; }
.before-item h5 { font-family: 'Montserrat', sans-serif; font-size: .88rem; font-weight: 600; color: var(--navy); }
.before-item p  { font-size: .78rem; color: var(--muted); margin-top: 2px; line-height: 1.35; }


/* ============================================================
   19. COVERAGE CHECKLIST
============================================================ */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 14px;
}
.cov-item {
  background: var(--light);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.cov-check       { color: #22a05a; font-size: 1rem; margin-top: 2px; flex-shrink: 0; }
.cov-item div h5 { font-family: 'Montserrat', sans-serif; font-size: .88rem; font-weight: 600; color: var(--navy); }
.cov-item div p  { font-size: .78rem; color: var(--muted); margin-top: 2px; }


/* ============================================================
   20. CTA BANNER
============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: var(--radius);
  padding: 52px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 60px;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.06);
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -60%; right: -8%;
  width: 450px; height: 450px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(152,199,60,.18) 0%, transparent 70%);
  pointer-events: none;
}
.cta-banner h2 { color: var(--white); font-size: 2.05rem; line-height: 1.2; letter-spacing: -.02em; }
.cta-banner p  { color: rgba(255,255,255,.65); font-size: .92rem; margin-top: 8px; line-height: 1.6; }


/* ============================================================
   21. PAGE HEADER
============================================================ */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  padding: 64px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 100%, rgba(152,199,60,.16) 0%, transparent 65%);
  pointer-events: none;
}
.page-header h1 { color: var(--white); font-size: clamp(2rem, 3.7vw, 2.7rem); margin-bottom: 10px; letter-spacing: -.02em; }
.page-header p  { color: rgba(255,255,255,.65); font-size: 1rem; }


/* ============================================================
   22. PAYMENT PAGE
============================================================ */
.pay-grid      { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.pay-grid--top { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); margin-bottom: 40px; }

.pay-card { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius); padding: 30px 28px; }
.pay-card .p-icon { font-size: 2rem; margin-bottom: 14px; }
.pay-card h3 { font-family: 'Montserrat', sans-serif; font-weight: 600; font-size: 1rem; color: var(--navy); margin-bottom: 8px; }
.pay-card p  { font-size: .85rem; color: var(--muted); margin-bottom: 18px; line-height: 1.5; }
.pay-scroll-hint { font-size: .8rem; color: var(--muted); }


/* ============================================================
   24. MODALS
============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.5);
  z-index: 500;
  align-items: center;
  justify-content: center;
}
.modal-overlay.open { display: flex; }

.modal-box {
  background: var(--white);
  border-radius: 20px;
  padding: 40px;
  max-width: 520px;
  width: 90%;
  position: relative;
  max-height: 92vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 20px;
  background: none;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  color: var(--muted);
}
.modal-close:hover { color: var(--navy); }

.modal-title { font-family: 'Montserrat', sans-serif; font-size: 1.55rem; color: var(--navy); margin-bottom: 8px; }
.modal-sub   { font-size: .88rem; color: var(--muted); margin-bottom: 24px; }

.modal-box--form { max-width: 760px; padding: 32px 32px 0; }
.modal-box--form .modal-sub { margin-bottom: 20px; }

.modal-form-iframe { margin: 0 -32px; border-top: 1px solid var(--border); }
.modal-form-iframe iframe {
  display: block;
  width: 100%;
  height: 70vh;
  min-height: 520px;
  border: none;
  border-radius: 0 0 16px 16px;
}

.modal-box--health     { max-width: 520px; }
.health-modal-body     { text-align: center; }
.health-modal-icon     { font-size: 3rem; margin-bottom: 14px; }
.health-modal-desc     { color: var(--muted); font-size: .93rem; line-height: 1.65; margin: 12px 0 24px; text-align: left; }
.health-modal-features { display: flex; flex-direction: column; gap: 10px; margin-bottom: 28px; text-align: left; background: var(--light); border-radius: var(--radius-sm); padding: 18px 20px; }
.hm-feat               { display: flex; align-items: center; gap: 10px; font-size: .9rem; color: var(--navy); font-weight: 500; }
.health-modal-cta      { justify-content: center; font-size: 1rem; }
.health-modal-note     { font-size: .78rem; color: var(--muted); margin-top: 12px; }

.modal-options { display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; }
.modal-option {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--light);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px;
  cursor: pointer;
  text-decoration: none;
  color: var(--navy);
  transition: all .2s;
  width: 100%;
  font: inherit;
  text-align: left;
}
.modal-option:hover      { border-color: var(--green); background: #f0fdf7; }
.modal-option .mo-icon   { font-size: 1.4rem; flex-shrink: 0; }
.modal-option h4 { font-family: 'Montserrat', sans-serif; font-weight: 600; font-size: .95rem; color: var(--navy); }
.modal-option p  { font-size: .8rem; color: var(--muted); margin-top: 2px; }


/* ============================================================
   25. CLAIMS PAGE
============================================================ */
.claims-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
  margin-bottom: 40px;
}
.claim-step { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius); padding: 28px 24px; }
.claim-step .cs-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .9rem;
  margin-bottom: 14px;
}
.claim-step h4 { font-family: 'Montserrat', sans-serif; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.claim-step p  { font-size: .85rem; color: var(--muted); line-height: 1.5; }

.cta-box      { text-align: center; margin-top: 50px; padding: 40px; background: var(--light); border-radius: var(--radius); }
.cta-box-text { font-size: 1rem; color: var(--navy); font-weight: 500; margin-bottom: 16px; }


/* ============================================================
   26. ABOUT PAGE
============================================================ */
.about-hero {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: var(--white);
  padding: 70px 40px;
  text-align: center;
}
.about-hero h1 { color: var(--white); font-size: clamp(2rem, 3.2vw, 2.85rem); margin-bottom: 12px; }
.about-hero p  { color: rgba(255,255,255,.72); font-size: 1rem; max-width: 480px; margin: 0 auto; }

.about-intro   { max-width: 680px; margin: 0 auto 60px; text-align: center; }
.about-intro p { font-size: 1.05rem; color: var(--muted); line-height: 1.8; }

.values-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.val-card { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius); padding: 28px 24px; transition: all .3s var(--ease); }
.val-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: rgba(152,199,60,.25); }
.val-card .v-icon { font-size: 1.8rem; margin-bottom: 12px; }
.val-card h4 { font-family: 'Montserrat', sans-serif; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.val-card p  { font-size: .85rem; color: var(--muted); line-height: 1.5; }


/* ============================================================
   27. CONTACT PAGE
============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }

.contact-heading { font-family: 'Montserrat', sans-serif; font-size: 2rem; color: var(--navy); margin-bottom: 28px; }
.ci-item  { display: flex; gap: 14px; margin-bottom: 24px; }
.ci-icon  {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--sky); display: flex; align-items: center;
  justify-content: center; font-size: 1.2rem; flex-shrink: 0;
}
.ci-label { font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 3px; }
.ci-val   { font-size: .95rem; font-weight: 500; color: var(--navy); }
.ci-val a { color: var(--blue); text-decoration: none; }
.ci-note  { font-size: .82rem; color: var(--muted); }
.contact-cta { margin-top: 10px; }

.contact-form-box  { background: var(--light); border-radius: var(--radius); padding: 32px; }
.zoho-form-wrapper { padding: 0; overflow: hidden; min-height: 620px; display: flex; flex-direction: column; }
.zoho-form-wrapper iframe { flex: 1; width: 100%; min-height: 620px; border: none; display: block; }

.form-group       { margin-bottom: 18px; }
.form-group label { display: block; font-size: .82rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem; color: var(--text);
  background: var(--white); transition: border-color .2s; outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--blue); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-note { font-size: .82rem; color: var(--muted); line-height: 1.5; margin-bottom: 18px; }


/* ============================================================
   28. ALERT BOX
============================================================ */
.alert-box {
  background: #fff8ed;
  border: 1.5px solid #f5c252;
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: .88rem;
  color: #7a5200;
  margin-bottom: 24px;
}
.alert-box .al-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }


/* ============================================================
   29. TABS
============================================================ */
.tab-bar { display: flex; gap: 8px; margin-bottom: 28px; flex-wrap: wrap; }
.tab-btn {
  padding: 9px 20px;
  border-radius: 20px;
  border: 1.5px solid var(--border);
  background: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-size: .88rem;
  font-weight: 500;
  cursor: pointer;
  color: var(--muted);
  transition: all .2s;
}
.tab-btn.active,
.tab-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.tab-panel        { display: none; }
.tab-panel.active { display: block; }


/* ============================================================
   30. FOOTER
============================================================ */
footer {
  background: var(--navy);
  padding: 60px;
}
.footer-main {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand .footer-logo-txt {
  font-family: 'Montserrat', sans-serif;
  color: var(--white);
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.footer-brand p { color: rgba(255,255,255,.55); font-size: .84rem; line-height: 1.6; max-width: 300px; }
.footer-brand .footer-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  color: var(--green);
  text-decoration: none;
  font-weight: 600;
  font-size: .9rem;
  transition: color .2s;
}
.footer-brand .footer-phone-link:hover { color: var(--green-light); }

.footer-links {
  display: flex;
  gap: 12px 28px;
  flex-wrap: wrap;
  max-width: 480px;
  padding-top: 4px;
}
.footer-links a {
  color: rgba(255,255,255,.6);
  text-decoration: none;
  font-size: .88rem;
  transition: color .2s;
  cursor: pointer;
}
.footer-links a:hover { color: var(--white); }

.footer-bottom {
  max-width: 1100px;
  margin: 0 auto;
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-size: .8rem;
  color: rgba(255,255,255,.4);
}
.footer-legal   { display: flex; gap: 16px; }
.footer-legal a { color: rgba(255,255,255,.4); text-decoration: none; font-size: .8rem; }
.footer-legal a:hover { color: rgba(255,255,255,.7); }

/* Legacy multi-column footer classes */
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  max-width: 1100px;
  margin: 0 auto 40px;
}
.footer-col h5 {
  font-size: .8rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 14px;
}
.footer-col a {
  display: block; color: rgba(255,255,255,.7); text-decoration: none;
  font-size: .88rem; margin-bottom: 9px; transition: color .2s; cursor: pointer;
}
.footer-col a:hover { color: var(--green); }


/* ============================================================
   31. RESPONSIVE
============================================================ */
@media (max-width: 1024px) {
  #page-auto .ins-hero,
  #page-home-ins .ins-hero,
  #page-renters .ins-hero,
  #page-life .ins-hero,
  #page-health .ins-hero {
    grid-template-columns: minmax(0, 1fr) minmax(380px, 480px);
    gap: 40px;
  }
  #page-auto .ins-hero-visual,
  #page-home-ins .ins-hero-visual,
  #page-renters .ins-hero-visual,
  #page-life .ins-hero-visual,
  #page-health .ins-hero-visual {
    max-width: 480px;
  }
}

@media (max-width: 960px) {
  .hero-inner         { grid-template-columns: 1fr; }
  .quote-card         { max-width: 500px; }
  .insurance-grid     { grid-template-columns: 1fr; }
  .trust-section-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 800px) {
  .footer-grid   { grid-template-columns: 1fr 1fr; }
  .contact-grid  { grid-template-columns: 1fr; }
  .footer-main   { flex-direction: column; }
  .trust-section-inner { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  nav          { padding: 0 20px; }
  .menu-toggle { display: flex; }

  .nav-links {
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--white);
    padding: 14px 20px 20px;
    box-shadow: 0 16px 26px rgba(0,0,0,.1);
    border-top: 1px solid var(--border);
  }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
  }
  .nav-links a,
  .nav-links button { width: 100%; justify-content: space-between; padding: 12px 14px; color: var(--text); }
  .nav-links a:hover,
  .nav-links button:hover { background: var(--sky); color: var(--navy); }
  .nav-links li a.btn-quote-nav { text-align: center; justify-content: center; border-radius: 10px; margin-top: 4px; }

  .dropdown {
    position: static;
    box-shadow: none;
    background: var(--sky);
    margin: 4px 0 8px;
    min-width: 0;
    border: none;
    animation: none;
  }
  .dropdown a { color: var(--navy); }
  .dropdown a:hover { background: rgba(26,61,110,.08); color: var(--navy); }

  .hero            { padding: 60px 20px 80px; }
  .section         { padding: 50px 20px; }
  .section-full    { padding: 50px 20px; }
  .trust-section   { padding: 50px 20px; }
  .trust-section-inner { grid-template-columns: 1fr; gap: 16px; }
  .cta-banner      { padding: 28px 22px; text-align: center; justify-content: center; }
  footer           { padding: 40px 20px; }
  .page-header     { padding: 40px 20px; }
  .ins-hero        { padding: 40px 20px; }
  .review-box      { padding: 28px; }

  #page-auto .ins-hero,
  #page-home-ins .ins-hero,
  #page-renters .ins-hero,
  #page-life .ins-hero,
  #page-health .ins-hero {
    grid-template-columns: 1fr;
  }
  #page-auto .ins-hero-visual,
  #page-home-ins .ins-hero-visual,
  #page-renters .ins-hero-visual,
  #page-life .ins-hero-visual,
  #page-health .ins-hero-visual {
    width: 100%;
    max-width: none;
    aspect-ratio: 16 / 9;
  }
}


/* ============================================================
   32. SCROLL REVEAL ANIMATIONS
============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity .7s var(--ease-out), transform .7s var(--ease-out);
  will-change: opacity, transform;
}
.reveal.is-visible { opacity: 1; transform: none; }

.reveal-grid > * {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity .6s var(--ease-out), transform .6s var(--ease-out);
  will-change: opacity, transform;
}
.reveal-grid.is-visible > *:nth-child(1) { opacity:1; transform:none; transition-delay:   0s; }
.reveal-grid.is-visible > *:nth-child(2) { opacity:1; transform:none; transition-delay: .08s; }
.reveal-grid.is-visible > *:nth-child(3) { opacity:1; transform:none; transition-delay: .16s; }
.reveal-grid.is-visible > *:nth-child(4) { opacity:1; transform:none; transition-delay: .24s; }
.reveal-grid.is-visible > *:nth-child(5) { opacity:1; transform:none; transition-delay: .32s; }
.reveal-grid.is-visible > *:nth-child(6) { opacity:1; transform:none; transition-delay: .40s; }
.reveal-grid.is-visible > *:nth-child(n+7) { opacity:1; transform:none; transition-delay: .48s; }

@keyframes dropIn {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: none; }
}

.modal-overlay.open .modal-box { animation: modalIn .28s var(--ease-out); }
@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px) scale(.97); }
  to   { opacity: 1; transform: none; }
}

/* ============================================================
   PHASE 1 POLISH — additions
============================================================ */

/* ── Hero CTA card (replaces fake mini-form) ─────────────────── */
.quote-card--cta { text-align: left; }

.qc-desc {
  font-size: .88rem;
  color: var(--muted);
  margin-bottom: 20px;
  line-height: 1.5;
}
/* Hero quote card — big tile grid */
.qc-type-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}
.qc-type-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 24px 14px;
  border: 1.5px solid var(--border);
  border-radius: 14px;
  background: var(--light);
  text-decoration: none;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  transition: all .22s var(--ease);
  cursor: pointer;
}
.qc-type-card:hover {
  border-color: var(--navy);
  background: var(--sky);
  box-shadow: 0 4px 16px rgba(26,61,110,.12);
  transform: translateY(-3px);
}
.qc-card-icon {
  width: 48px;
  height: 48px;
  display: block;
}

/* ── Modal consent note ──────────────────────────────────────── */
.modal-consent-note {
  font-size: .74rem;
  color: var(--muted);
  line-height: 1.55;
  padding: 10px 14px;
  background: var(--light);
  border-radius: 8px;
  margin: 10px 0 0;
}

/* ── Modal fallback link ─────────────────────────────────────── */
.modal-fallback-link {
  display: block;
  text-align: center;
  font-size: .78rem;
  color: var(--blue);
  text-decoration: underline;
  margin-top: 8px;
  padding-bottom: 4px;
}
.modal-fallback-link:hover { color: var(--navy); }

/* ── HealthSherpa third-party note ───────────────────────────── */
.health-modal-third-party {
  font-size: .74rem;
  color: var(--muted);
  line-height: 1.5;
  margin-top: 10px;
  text-align: left;
  padding: 8px 12px;
  background: var(--light);
  border-radius: 8px;
}

/* ── Footer general disclaimer ───────────────────────────────── */
.footer-disclaimer {
  max-width: 1100px;
  margin: 0 auto;
  padding: 20px 0 0;
  border-top: 1px solid rgba(255,255,255,.08);
  margin-bottom: 0;
}
.footer-disclaimer p {
  font-size: .75rem;
  color: rgba(255,255,255,.38);
  line-height: 1.6;
}

/* ── Legal pages (Privacy & Terms) ──────────────────────────── */
.legal-page { max-width: 760px; }
.legal-intro {
  font-size: 1rem;
  color: var(--muted);
  margin-bottom: 32px;
  line-height: 1.7;
  padding: 16px 20px;
  background: var(--light);
  border-radius: var(--radius-sm);
}
.legal-page h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  color: var(--navy);
  margin-top: 36px;
  margin-bottom: 10px;
  letter-spacing: -.01em;
}
.legal-page p {
  color: var(--muted);
  font-size: .92rem;
  line-height: 1.75;
  margin-bottom: 12px;
}
.legal-page a  { color: var(--blue); }
.legal-page ul {
  margin: 8px 0 12px 20px;
  color: var(--muted);
  font-size: .92rem;
  line-height: 1.75;
}


/* ── Footer two-column nav ───────────────────────────────────── */
.footer-nav {
  display: flex;
  gap: 52px;
  align-items: flex-start;
}

@media (max-width: 768px) {
  .footer-nav { flex-direction: column; gap: 28px; }
}


/* ============================================================
   CRM WEB-TO-LEAD FORM
   Shared by the crmFormModal and the inline contact page form.
   Overrides Zoho's default form styles to match the site design.
============================================================ */

/* Modal size */
.modal-box--crm {
  max-width: 560px;
  padding: 36px 40px 32px;
}

/* Form container */
.crm-form { width: 100%; }
.crm-form--inline { padding: 0; }

/* Title */
.crm-form-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.45rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.crm-form-sub {
  font-size: .88rem;
  color: var(--muted);
  margin-bottom: 22px;
  line-height: 1.5;
}

/* Field layout */
.crm-field-group { margin-bottom: 14px; }
.crm-row-2col    { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

/* Labels */
.crm-label {
  display: block;
  font-size: .78rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 5px;
  letter-spacing: .02em;
  font-family: 'Montserrat', sans-serif;
}
.crm-req { color: #e05252; }

/* Inputs */
.crm-input,
.crm-select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 9px;
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem;
  color: var(--text);
  background: var(--light);
  outline: none;
  transition: border-color .2s, background .2s;
  -webkit-appearance: none;
  appearance: none;
}
.crm-input:focus,
.crm-select:focus {
  border-color: var(--blue);
  background: var(--white);
}

/* Select arrow */
.crm-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7a90' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  cursor: pointer;
}

/* Consent checkbox */
.crm-consent {
  margin: 16px 0 18px;
  padding: 12px 14px;
  background: var(--light);
  border-radius: 9px;
  border: 1px solid var(--border);
}
.crm-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: .82rem;
  color: var(--text);
  line-height: 1.5;
  font-family: 'Montserrat', sans-serif;
}
.crm-checkbox {
  margin-top: 2px;
  width: 17px;
  height: 17px;
  flex-shrink: 0;
  cursor: pointer;
  accent-color: var(--navy);
}

/* Submit button */
.crm-submit {
  display: block;
  width: 100%;
  background: var(--navy);
  color: white;
  border: none;
  padding: 15px;
  border-radius: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s, transform .2s;
}
.crm-submit:hover:not(:disabled) {
  background: var(--blue);
  transform: translateY(-1px);
}
.crm-submit:disabled {
  opacity: .65;
  cursor: not-allowed;
}

/* Footer note */
.crm-form-note {
  text-align: center;
  font-size: .74rem;
  color: var(--muted);
  margin-top: 12px;
  line-height: 1.5;
}
.crm-form-note a { color: var(--blue); text-decoration: underline; }

/* Responsive */
@media (max-width: 480px) {
  .modal-box--crm { padding: 24px 20px 20px; }
  .crm-row-2col   { grid-template-columns: 1fr; }
}


/* ============================================================
   INSURANCE SVG ICONS
   Single-color SVG icons replacing emojis throughout the site.
============================================================ */

/* Product card icons (home page grid) */
.ins-icon {
  width: 38px;
  height: 38px;
  display: block;
}

/* Sub-page hero visual panel icon */
.ins-hero-icon {
  width: 120px;
  height: 120px;
}

/* Badge icon (sub-page hero eyebrow) */
.badge-icon {
  width: 16px;
  height: 16px;
  vertical-align: -2px;
}

/* Hero quote card icon (large tile) — see .qc-card-icon above */
.pill-icon {
  width: 20px;
  height: 20px;
  vertical-align: -3px;
}

/* Nav dropdown icons */
.nav-icon {
  width: 16px;
  height: 16px;
  vertical-align: -2px;
}

/* Before-you-start checklist icon */
.bi-svg-icon {
  width: 28px;
  height: 28px;
}


/* ============================================================
   SVG ICON SIZING — all contexts
============================================================ */

/* Inline text icons (nav, buttons, notes) — blue */
.inline-icon {
  width: 22px;
  height: 22px;
  vertical-align: -5px;
  display: inline-block;
}
/* Inline icons on dark/colored backgrounds — needs filter to white */
.inline-icon-w {
  width: 22px;
  height: 22px;
  vertical-align: -5px;
  display: inline-block;
  filter: brightness(0) invert(1);
}

/* Modal option icons (phone, laptop in pay/claims modals) */
.mo-svg-icon {
  width: 32px;
  height: 32px;
  display: block;
}

/* Payment page card icons */
.p-svg-icon {
  width: 36px;
  height: 36px;
  display: block;
}

/* Review box icon (search) */
.rb-svg-icon {
  width: 48px;
  height: 48px;
  display: block;
}

/* Contact info icons */
.ci-svg-icon {
  width: 22px;
  height: 22px;
  display: block;
}

/* Alert box icons */
.al-svg-icon {
  width: 18px;
  height: 18px;
  display: block;
}

/* Need card icons (auto situations, health audience, life types) */
.nc-svg-icon {
  width: 36px;
  height: 36px;
  display: block;
  margin: 0 auto;
}

/* About page value card icons */
.v-svg-icon {
  width: 36px;
  height: 36px;
  display: block;
}

/* ── Trust section — bigger headers, no icons ──────────────── */
.trust-item-card--no-icon { padding-top: 48px; }
.trust-title-lg {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -.01em;
}


/* ── CRM form success state ─────────────────────────────────── */
.crm-success {
  text-align: center;
  padding: 40px 20px 20px;
}
.crm-success-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--green);
  color: white;
  font-size: 2rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.crm-success h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.crm-success p {
  color: var(--muted);
  font-size: .95rem;
  line-height: 1.6;
}


/* ============================================================
   HEALTH INSURANCE PAGE — ACA-focused redesign
============================================================ */

/* ── Get Started cards (3-column) ─────────────────────────── */
.health-start-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.health-start-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  transition: all .3s var(--ease);
}
.health-start-card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.health-start-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: var(--sky);
  display: flex;
  align-items: center;
  justify-content: center;
}
.health-start-card h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
}
.health-start-card p {
  font-size: .85rem;
  color: var(--muted);
  line-height: 1.55;
  margin-bottom: 8px;
}
.health-start-card .btn { margin-top: auto; }

/* ── Essential Health Benefits grid ───────────────────────── */
.health-benefits-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.health-benefit {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  padding: 24px 12px;
  background: var(--light);
  border-radius: var(--radius);
  text-align: center;
  font-family: 'Montserrat', sans-serif;
  font-size: .88rem;
  font-weight: 500;
  color: var(--navy);
  transition: all .2s var(--ease);
}
.health-benefit:hover {
  background: var(--sky);
  transform: translateY(-2px);
}
.hb-icon { width: 40px; height: 40px; }

/* ── Why Work With Us grid ────────────────────────────────── */
.health-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.health-why-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem;
  font-weight: 500;
  color: var(--navy);
}
.hw-icon { width: 28px; height: 28px; flex-shrink: 0; }

/* ── FAQ accordion ────────────────────────────────────────── */
.faq-list {
  max-width: 700px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--light);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color .2s;
}
.faq-item[open] { border-color: var(--blue); }
.faq-question {
  padding: 16px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.faq-question::after {
  content: '+';
  font-size: 1.3rem;
  font-weight: 300;
  color: var(--muted);
  transition: transform .2s;
}
.faq-item[open] .faq-question::after {
  content: '−';
}
.faq-question::-webkit-details-marker { display: none; }
.faq-answer {
  padding: 0 20px 16px;
  font-size: .88rem;
  color: var(--muted);
  line-height: 1.65;
}

/* ── Final CTA buttons row ────────────────────────────────── */
.health-final-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 24px;
}

/* ── Plan comparison (HMO / PPO) ──────────────────────────── */
.plan-compare-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.plan-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 28px;
}
.plan-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 1.3rem;
  color: var(--navy);
}
.plan-sub {
  font-size: .85rem;
  color: var(--muted);
  margin-bottom: 16px;
}
.plan-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.plan-list li {
  position: relative;
  padding-left: 22px;
  font-size: .88rem;
  color: var(--text);
  line-height: 1.5;
}
.plan-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: .5em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
}

/* ── Advantage card note (Why Choose ACA) ─────────────────── */
.val-note {
  font-size: .78rem;
  color: var(--muted);
  margin-top: 8px;
  padding-top: 8px;
  border-top: 1px solid var(--border);
  line-height: 1.5;
}

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 800px) {
  .health-start-grid    { grid-template-columns: 1fr; }
  .health-benefits-grid { grid-template-columns: repeat(3, 1fr); }
  .health-why-grid      { grid-template-columns: 1fr; }
  .plan-compare-grid    { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .health-benefits-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .health-final-ctas    { flex-direction: column; align-items: stretch; }
}


/* ── Upload declarations benefits ─────────────────────────── */
.upload-benefits {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  margin-top: 12px;
}
.upload-benefit {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .85rem;
  font-weight: 500;
  color: var(--navy);
}
.ub-icon { width: 18px; height: 18px; flex-shrink: 0; }


/* ── Free Coverage Review note (declarations page reminder) ── */
.review-note {
  background: rgba(46,204,138,.08);
  border-left: 3px solid var(--green);
  padding: 10px 14px;
  border-radius: 6px;
  font-size: .85rem;
  color: var(--navy);
  margin: 12px 0 16px;
  line-height: 1.55;
}
.review-note strong { color: var(--navy); }


/* ── Hero quote card with 5 type cards ─────────────────────── */
.qc-type-grid--5 {
  grid-template-columns: repeat(3, 1fr);
}
.qc-type-grid--5 .qc-type-card:nth-child(4),
.qc-type-grid--5 .qc-type-card:nth-child(5) {
  /* Last two cards span remaining space evenly */
}
.qc-type-grid--5 .qc-type-card {
  padding: 18px 10px;
}
.qc-type-grid--5 .qc-card-icon {
  width: 40px;
  height: 40px;
}
@media (max-width: 480px) {
  .qc-type-grid--5 { grid-template-columns: repeat(2, 1fr); }
}


/* ============================================================
   ABOUT PAGE — redesign
============================================================ */

.about-story p {
  font-size: .95rem;
  color: var(--muted);
  line-height: 1.75;
}

/* What We Help With grid */
.about-coverage-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.about-coverage-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 18px;
  text-align: center;
  text-decoration: none;
  color: inherit;
  transition: all .3s var(--ease);
}
.about-coverage-card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.acc-icon {
  width: 44px;
  height: 44px;
  margin-bottom: 12px;
}
.about-coverage-card h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.about-coverage-card p {
  font-size: .78rem;
  color: var(--muted);
  line-height: 1.5;
}

/* Service area */
.about-service-area {
  text-align: center;
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  border: 1.5px solid var(--border);
}
.about-service-area p {
  font-size: 1rem;
  color: var(--muted);
  line-height: 1.7;
}
.about-service-area strong { color: var(--navy); }

/* Founder section */
.about-founder {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
  background: linear-gradient(135deg, var(--sky), var(--light));
  border-radius: var(--radius);
  padding: 40px 36px;
  border: 1px solid var(--border);
}
.founder-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: var(--shadow-sm);
}
.founder-icon img { width: 48px; height: 48px; }
.about-founder p {
  font-size: 1rem;
  color: var(--text);
  line-height: 1.7;
}
.about-founder strong { color: var(--navy); }

/* Responsive */
@media (max-width: 900px) {
  .about-coverage-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .about-coverage-grid { grid-template-columns: repeat(2, 1fr); }
}


/* ============================================================
   AUTO QUOTE FORM — file upload, captcha, optional label
============================================================ */

.crm-optional {
  font-weight: 400;
  color: var(--muted);
  font-size: .72rem;
  margin-left: 4px;
}

.crm-file {
  width: 100%;
  padding: 10px 12px;
  border: 1.5px dashed var(--border);
  border-radius: 9px;
  background: var(--light);
  font-family: 'Montserrat', sans-serif;
  font-size: .85rem;
  color: var(--text);
  cursor: pointer;
}
.crm-file:hover { border-color: var(--blue); background: var(--white); }
.crm-file-note {
  font-size: .72rem;
  color: var(--muted);
  margin-top: 4px;
}

.crm-captcha-img {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 6px 10px;
  background: var(--light);
  border: 1.5px solid var(--border);
  border-radius: 9px;
}
.crm-captcha-img img {
  max-height: 36px;
  background: white;
  border-radius: 4px;
}
.crm-captcha-reload {
  font-size: .78rem;
  color: var(--blue);
  text-decoration: underline;
  white-space: nowrap;
}
.crm-captcha-err {
  font-size: .76rem;
  color: #c0392b;
  min-height: 16px;
  margin-top: 4px;
}

/* ============================================================
   QUOTE CHOICE MODAL — coverage type picker
============================================================ */
.quote-choice-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 8px;
}
.quote-choice-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 22px 14px;
  background: var(--light);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  text-decoration: none;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .9rem;
  transition: all .22s var(--ease);
}
.quote-choice-card:hover {
  border-color: var(--navy);
  background: var(--sky);
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(26,61,110,.1);
}
.qcc-icon {
  width: 40px;
  height: 40px;
}
@media (max-width: 480px) {
  .quote-choice-grid { grid-template-columns: repeat(2, 1fr); }
}


/* ── Lead form: 3-column field row (name / city-state-zip) ──── */
.crm-row-3col { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
@media (max-width: 560px) {
  .crm-row-3col { grid-template-columns: 1fr; }
}

/* ── Lead form: honeypot — visually hidden, still reachable by bots ── */
.lead-honeypot {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ── Lead form: error summary (shown above the fields) ───────── */
.crm-error-summary {
  background: #fef2f2;
  border: 1.5px solid #fca5a5;
  border-radius: 9px;
  padding: 14px 16px;
  margin-bottom: 16px;
  font-family: 'Montserrat', sans-serif;
}
.crm-error-summary h3 {
  font-size: .92rem;
  font-weight: 700;
  color: #991b1b;
  margin-bottom: 6px;
}
.crm-error-summary ul {
  margin: 0;
  padding-left: 20px;
  font-size: .85rem;
  color: #991b1b;
  line-height: 1.6;
}
.crm-error-summary a { color: #991b1b; text-decoration: underline; font-weight: 600; }

/* ── Lead form: per-field error message + invalid input state ── */
.crm-field-error {
  font-size: .78rem;
  color: #b91c1c;
  margin-top: 5px;
  font-family: 'Montserrat', sans-serif;
  line-height: 1.4;
}
.crm-input[aria-invalid="true"],
.crm-select[aria-invalid="true"] {
  border-color: #e05252;
  background: #fef2f2;
}


/* ── Google reCAPTCHA v2 widget container ─────────────────── */
.crm-recaptcha-row {
  margin: 4px 0 16px;
  display: flex;
  justify-content: center;
}
.crm-recaptcha-row > div {
  /* The widget itself is 304×78 by default; allow it to size naturally */
  max-width: 100%;
  transform-origin: center top;
}
/* On narrow screens, scale the widget down so it doesn't overflow */
@media (max-width: 360px) {
  .crm-recaptcha-row > div { transform: scale(0.85); }
}