/* ============================================
 My Policy Ride — Premium Design System
 Clean, editorial, trustworthy, mobile-first
 ============================================ */

/* ---- CSS Variables ---- */
:root {
 --color-primary: #0f172a;
 --color-primary-light: #1e293b;
 --color-accent: #2563eb;
 --color-accent-hover: #1d4ed8;
 --color-accent-light: #eff6ff;
 --color-success: #059669;
 --color-success-light: #ecfdf5;
 --color-text: #1e293b;
 --color-text-muted: #64748b;
 --color-text-light: #94a3b8;
 --color-bg: #ffffff;
 --color-bg-alt: #f8fafc;
 --color-bg-warm: #faf9f7;
 --color-border: #e2e8f0;
 --color-border-light: #f1f5f9;
 --color-error: #dc2626;
 --color-star: #f59e0b;

 --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
 --font-size-base: 16px;
 --line-height: 1.6;

 --radius-sm: 8px;
 --radius-md: 12px;
 --radius-lg: 16px;
 --radius-xl: 20px;

 --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.04);
 --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.06);
 --shadow-lg: 0 12px 40px rgba(0, 0, 0, 0.08);
 --shadow-xl: 0 20px 60px rgba(0, 0, 0, 0.12);

 --header-height: 64px;
 --max-width: 1200px;
 --questionnaire-max: 640px;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; }

html {
 scroll-behavior: smooth;
 -webkit-text-size-adjust: 100%;
}

body {
 font-family: var(--font-family);
 font-size: var(--font-size-base);
 line-height: var(--line-height);
 color: var(--color-text);
 background: var(--color-bg);
 -webkit-font-smoothing: antialiased;
 -moz-osx-font-smoothing: grayscale;
 margin: 0;
 overflow-x: hidden;
}

/* ---- Typography ---- */
h1, h2, h3, h4 {
 font-weight: 700;
 line-height: 1.2;
 color: var(--color-primary);
 margin-top: 0;
}

h1 { font-size: clamp(1.75rem, 5vw, 2.5rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 4vw, 2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.25rem); font-weight: 600; }

p { margin-bottom: 1rem; }
a { color: var(--color-accent); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--color-accent-hover); text-decoration: underline; }

/* ============ HEADER ============ */
.site-header {
 position: sticky;
 top: 0;
 z-index: 1000;
 background: var(--color-bg);
 border-bottom: 1px solid var(--color-border);
 height: auto;
 padding: 14px 0;
}

.header-inner {
 display: flex;
 align-items: center;
 justify-content: space-between;
 gap: 24px;
}

/* Logo with shield icon */
.logo {
 display: flex;
 align-items: center;
 gap: 10px;
 text-decoration: none;
}

.logo svg { flex-shrink: 0; }

.logo-text {
 font-size: 1.3rem;
 font-weight: 800;
 color: var(--color-primary);
 letter-spacing: -0.03em;
 white-space: nowrap;
}

.logo-text span { color: var(--color-accent); }

.logo-tagline {
 font-size: 0.65rem;
 font-weight: 600;
 color: var(--color-text-muted);
 text-transform: uppercase;
 letter-spacing: 0.08em;
 display: block;
 line-height: 1;
 margin-top: 2px;
 white-space: nowrap;
}

.header-nav {
 display: flex;
 align-items: center;
 gap: 28px;
}

.nav-link {
 font-size: 0.9rem;
 font-weight: 500;
 color: var(--color-text-muted);
 display: flex;
 align-items: center;
 gap: 4px;
 transition: color 0.2s;
}

.nav-link:hover { color: var(--color-primary); text-decoration: none; }

.nav-dropdown { position: relative; }
.nav-dropdown .nav-link { cursor: default; }

.header-phone-btn {
 display: inline-flex;
 align-items: center;
 gap: 8px;
 background: var(--color-accent-light);
 color: var(--color-accent);
 font-size: 0.9rem;
 font-weight: 600;
 padding: 8px 16px;
 border-radius: var(--radius-sm);
 text-decoration: none;
 transition: background 0.2s;
}

.header-phone-btn:hover { background: #dbeafe; text-decoration: none; }

.mobile-menu-btn {
 background: none;
 border: none;
 color: var(--color-text);
 cursor: pointer;
 padding: 8px;
}

.mobile-menu {
 display: none;
 flex-direction: column;
 padding: 16px 0;
 border-top: 1px solid var(--color-border);
 background: var(--color-bg);
}

.mobile-menu.open { display: flex; }

.mobile-menu-link {
 padding: 12px 16px;
 font-size: 1rem;
 font-weight: 500;
 color: var(--color-text);
 text-decoration: none;
}

.mobile-menu-link:hover { color: var(--color-accent); background: var(--color-bg-alt); }
.mobile-menu-phone { color: var(--color-accent); font-weight: 600; }

/* ============ HERO ============ */
.hero-section {
 position: relative;
 padding: 32px 0 24px;
 background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
 overflow: hidden;
}

.hero-bg-pattern {
 position: absolute;
 top: 0;
 right: 0;
 width: 50%;
 height: 100%;
 background: radial-gradient(circle at 70% 30%, rgba(37, 99, 235, 0.03) 0%, transparent 60%);
 pointer-events: none;
}

.hero-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 28px;
 align-items: center;
}

.hero-content { position: relative; z-index: 1; padding-bottom: 0; }

/* Hero Badge */
.hero-badge {
 display: inline-flex;
 align-items: center;
 gap: 8px;
 background: var(--color-accent-light);
 color: var(--color-accent);
 font-size: 0.8rem;
 font-weight: 600;
 padding: 8px 16px;
 border-radius: 100px;
 margin-bottom: 20px;
 border: 1px solid rgba(37, 99, 235, 0.1);
}

.hero-badge svg { flex-shrink: 0; }

/* Headline */
.hero-content h1 {
 margin-bottom: 16px;
 max-width: 540px;
 line-height: 1.15;
}

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

.hero-subhead {
 font-size: clamp(1rem, 2.5vw, 1.15rem);
 color: var(--color-text-muted);
 margin-bottom: 24px;
 max-width: 420px;
 line-height: 1.5;
}

/* Social proof row */
.hero-social-proof {
 display: flex;
 align-items: center;
 gap: 14px;
 margin-bottom: 28px;
}

.hero-avatars {
 display: flex;
}

.avatar {
 width: 36px;
 height: 36px;
 border-radius: 50%;
 border: 2px solid #fff;
 margin-left: -8px;
 object-fit: cover;
}

.avatar:first-child { margin-left: 0; }

.hero-social-text { flex: 1; }

.hero-stars-small {
 display: flex;
 gap: 2px;
 margin-bottom: 2px;
}

.hero-stars-small span {
 color: var(--color-star);
 font-size: 0.85rem;
}

.hero-social-text p {
 font-size: 0.82rem;
 color: var(--color-text-muted);
 margin: 0;
 line-height: 1.4;
}

.hero-social-text strong { color: var(--color-primary); }

/* Hero ZIP Form */
.hero-zip-form { margin-bottom: 20px; }

.hero-zip-input-group {
 display: flex;
 align-items: stretch;
 max-width: 460px;
 border: 2px solid var(--color-border);
 border-radius: var(--radius-md);
 overflow: hidden;
 background: var(--color-bg);
 transition: border-color 0.2s, box-shadow 0.2s;
}

.hero-zip-input-group:focus-within {
 border-color: var(--color-accent);
 box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.06);
}

.hero-zip-icon {
 padding: 0 4px 0 16px;
 color: var(--color-text-light);
 display: flex;
 align-items: center;
}

.hero-zip-input {
 flex: 1;
 border: none;
 padding: 16px 12px;
 font-size: 1rem;
 font-family: var(--font-family);
 color: var(--color-text);
 outline: none;
 min-width: 0;
 background: transparent;
}

.hero-zip-input::placeholder { color: var(--color-text-light); }

.hero-zip-btn {
 background: var(--color-accent);
 color: #fff;
 border: none;
 padding: 16px 24px;
 font-size: 0.95rem;
 font-weight: 700;
 font-family: var(--font-family);
 cursor: pointer;
 white-space: nowrap;
 transition: background 0.2s;
 display: flex;
 align-items: center;
 gap: 8px;
}

.hero-zip-btn:hover { background: var(--color-accent-hover); }

.hero-zip-trust {
 font-size: 0.78rem;
 color: var(--color-text-light);
 margin-top: 10px;
 margin-bottom: 0;
 display: flex;
 align-items: center;
 gap: 6px;
}

.hero-zip-trust svg { flex-shrink: 0; color: var(--color-success); }

/* Hero Visual */
.hero-visual {
 position: relative;
 display: flex;
 align-items: center;
 justify-content: center;
 min-height: 420px;
}

.hero-image-wrapper {
 position: relative;
 z-index: 1;
 border-radius: var(--radius-xl) var(--radius-xl) var(--radius-sm) var(--radius-xl);
 overflow: hidden;
 box-shadow: var(--shadow-xl);
 max-width: 280px;
 width: 100%;
 margin: 0 auto;
}

.hero-image {
 width: 100%;
 height: auto;
 display: block;
 aspect-ratio: 4/5;
 object-fit: cover;
 object-position: top center;
}

/* Floating cards */
.hero-float-card {
 position: absolute;
 z-index: 2;
 background: var(--color-bg);
 border-radius: var(--radius-md);
 padding: 14px 16px;
 box-shadow: var(--shadow-lg);
 display: flex;
 align-items: flex-start;
 gap: 12px;
 max-width: 220px;
 border: 1px solid var(--color-border);
}

.hero-float-card-top {
 top: 16px;
 right: 0;
}

.hero-float-card-bottom {
 bottom: 60px;
 left: 0;
}

.hero-float-card h4 {
 font-size: 0.82rem;
 font-weight: 600;
 margin-bottom: 2px;
}

.hero-float-card p {
 font-size: 0.73rem;
 color: var(--color-text-muted);
 margin: 0;
 line-height: 1.3;
}

.float-card-icon {
 width: 40px;
 height: 40px;
 border-radius: var(--radius-sm);
 display: flex;
 align-items: center;
 justify-content: center;
 flex-shrink: 0;
}

.float-card-icon-blue { background: var(--color-accent-light); color: var(--color-accent); }
.float-card-icon-green { background: var(--color-success-light); color: var(--color-success); }

.float-card-amount {
 font-size: 1.5rem;
 font-weight: 800;
 color: var(--color-accent);
 letter-spacing: -0.02em;
 display: block;
 line-height: 1.1;
}

/* ============ HERO FEATURES BAR ============ */
.hero-features {
 background: var(--color-bg);
 border-top: 1px solid var(--color-border);
 border-bottom: 1px solid var(--color-border);
 padding: 20px 0;
}

/* Padding wrapper controls side gutter at every breakpoint. */
.features-wrap {
 width: 100%;
 max-width: 100%;
 padding: 0 12px;
 box-sizing: border-box;
}

.features-row {
 display: grid;
 grid-template-columns: 1fr;
 gap: 10px;
 width: 100%;
}

.feature-pill {
 display: flex;
 align-items: center;
 gap: 14px;
 padding: 14px 16px;
 background: #fff;
 border: 1px solid #e5e7eb;
 border-radius: 12px;
 min-width: 0;
 box-shadow: 0 1px 2px rgba(0,0,0,0.04);
}

.feature-pill > div { min-width: 0; flex: 1; }

.feature-pill-icon {
 width: 44px;
 height: 44px;
 border-radius: 12px;
 display: flex;
 align-items: center;
 justify-content: center;
 flex-shrink: 0;
}

.feature-pill-icon-blue { background: #eff6ff; color: #2563eb; }
.feature-pill-icon-green { background: #ecfdf5; color: #059669; }
.feature-pill-icon-purple { background: #f5f3ff; color: #7c3aed; }
.feature-pill-icon-orange { background: #fff7ed; color: #ea580c; }

.feature-pill strong {
 display: block;
 font-size: 0.92rem;
 font-weight: 700;
 color: var(--color-text);
 margin-bottom: 2px;
 line-height: 1.3;
 word-break: break-word;
}

.feature-pill span {
 font-size: 0.8rem;
 color: var(--color-text-muted);
 line-height: 1.4;
 word-break: break-word;
}

/* Medium: 2 columns */
@media (min-width: 640px) {
 .features-wrap { padding: 0 16px; }
 .features-row {
 grid-template-columns: repeat(2, 1fr);
 gap: 14px;
 }
 .feature-pill {
 flex-direction: column;
 align-items: center;
 text-align: center;
 gap: 12px;
 padding: 22px 14px;
 }
 .hero-features { padding: 28px 0; }
}

/* Desktop: 4 columns, centered */
@media (min-width: 1024px) {
 .features-wrap { padding: 0 24px; }
 .features-row {
 grid-template-columns: repeat(4, 1fr);
 gap: 0;
 max-width: 960px;
 margin: 0 auto;
 }
 .feature-pill {
 border: none;
 border-radius: 0;
 background: transparent;
 flex-direction: column;
 padding: 14px 10px;
 gap: 12px;
 }
 .hero-features { padding: 32px 0; }
}


/* ============ TRUST BAR ============ */
.trust-bar {
 background: var(--color-bg);
 border-top: 1px solid var(--color-border);
 border-bottom: 1px solid var(--color-border);
 padding: 28px 0;
}

.trust-bar-inner {
 display: grid;
 grid-template-columns: 1fr;
 gap: 18px;
}

.trust-item {
 display: flex;
 align-items: flex-start;
 gap: 14px;
}

.trust-item svg { flex-shrink: 0; margin-top: 2px; color: var(--color-success); }

.trust-item strong {
 display: block;
 font-size: 0.9rem;
 font-weight: 600;
 color: var(--color-text);
 margin-bottom: 2px;
}

.trust-item span {
 font-size: 0.82rem;
 color: var(--color-text-muted);
 line-height: 1.4;
}

/* ============ SECTION COMMONS ============ */
section { padding: 56px 0; }

.section-header {
 margin-bottom: 40px;
}

.section-header h2 {
 margin-bottom: 12px;
}

.section-subhead {
 font-size: 1.1rem;
 color: var(--color-text-muted);
 max-width: 520px;
 margin-left: auto;
 margin-right: auto;
}

.text-center { text-align: center; }
.mt-5 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; }

/* ============ PARTNER LOGOS CAROUSEL ============ */
.partners-carousel-section {
 background: var(--color-bg);
 padding: 36px 0;
 border-bottom: 1px solid var(--color-border);
 overflow: hidden;
}

.partners-carousel-label {
 font-size: 0.8rem;
 font-weight: 600;
 color: var(--color-text-light);
 text-transform: uppercase;
 letter-spacing: 0.06em;
 text-align: center;
 margin-bottom: 20px;
}

.partners-track-wrapper {
 overflow: hidden;
 width: 100%;
 mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
 -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}

.partners-track {
 display: flex;
 gap: 32px;
 animation: scrollLogos 30s linear infinite;
 width: max-content;
}

@keyframes scrollLogos {
 0% { transform: translateX(0); }
 100% { transform: translateX(-50%); }
}

.partner-logo-card {
 flex-shrink: 0;
 width: 130px;
 height: 52px;
 display: flex;
 align-items: center;
 justify-content: center;
 padding: 6px 12px;
 opacity: 1;
 filter: none;
}

.partner-logo-card:hover {
 opacity: 1;
 filter: none;
}

.partner-logo-img {
 max-width: 100%;
 max-height: 36px;
 width: auto;
 height: auto;
 object-fit: contain;
}

.partners-carousel-disclaimer {
 font-size: 0.78rem;
 color: var(--color-text-light);
 text-align: center;
 margin-top: 16px;
 margin-bottom: 0;
}

.partner-logo-fallback {
 font-size: 0.85rem;
 font-weight: 700;
 color: #64748b;
 letter-spacing: 0.02em;
}

/* ============ HOW IT WORKS ============ */
.how-it-works {
 background: var(--color-bg);
}

.steps-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 24px;
 margin-bottom: 48px;
}

.step-card {
 text-align: center;
 padding: 32px 24px;
 background: var(--color-bg-alt);
 border-radius: var(--radius-lg);
 border: 1px solid var(--color-border-light);
 transition: box-shadow 0.3s;
}

.step-card:hover {
 box-shadow: var(--shadow-md);
}

.step-card-icon {
 display: inline-flex;
 align-items: center;
 justify-content: center;
 width: 64px;
 height: 64px;
 background: var(--color-accent-light);
 color: var(--color-accent);
 border-radius: var(--radius-md);
 margin-bottom: 16px;
}

.step-card h3 {
 margin-bottom: 8px;
}

.step-card p {
 font-size: 0.95rem;
 color: var(--color-text-muted);
 margin-bottom: 0;
}

/* CTA Buttons */
.btn-large {
 display: inline-block;
 padding: 16px 36px;
 font-size: 1.1rem;
 font-weight: 700;
 border-radius: var(--radius-md);
 background: var(--color-accent);
 border: none;
 color: #fff;
 min-height: 56px;
 transition: background 0.2s, transform 0.1s;
}

.btn-large:hover {
 background: var(--color-accent-hover);
 transform: translateY(-1px);
 text-decoration: none;
 color: #fff;
}

.btn-trust {
 font-size: 0.85rem;
 color: var(--color-text-muted);
 margin-top: 12px;
 margin-bottom: 0;
}

/* ============ WHY TRUST US ============ */
/* ============ WHY TRUST US ============ */
.why-trust {
 background: #f0f5ff;
 padding: 80px 0;
}

.trust-cards-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 14px;
 margin-bottom: 48px;
}

.trust-feat-card {
 background: #fff;
 border-radius: var(--radius-lg);
 padding: 28px 24px;
 box-shadow: var(--shadow-md);
 transition: transform 0.2s, box-shadow 0.2s;
}

.trust-feat-card:hover {
 transform: translateY(-3px);
 box-shadow: var(--shadow-lg);
}

.trust-feat-icon {
 width: 52px;
 height: 52px;
 border-radius: var(--radius-md);
 display: flex;
 align-items: center;
 justify-content: center;
 margin-bottom: 16px;
}

.trust-feat-icon--blue { background: #eff6ff; color: #2563eb; }
.trust-feat-icon--green { background: #f0fdf4; color: #059669; }
.trust-feat-icon--orange { background: #fff7ed; color: #ea580c; }
.trust-feat-icon--purple { background: #faf5ff; color: #7c3aed; }
.trust-feat-icon--teal { background: #f0fdfa; color: #0d9488; }
.trust-feat-icon--red { background: #fef2f2; color: #dc2626; }

.trust-feat-card h3 {
 font-size: 1rem;
 font-weight: 700;
 color: var(--color-primary);
 margin-bottom: 8px;
}

.trust-feat-card p {
 font-size: 0.9rem;
 color: var(--color-text-muted);
 line-height: 1.55;
 margin: 0;
}

/* Savings Banner */
.trust-savings-banner {
 background: var(--color-accent);
 border-radius: var(--radius-xl);
 padding: 32px 36px;
 display: flex;
 align-items: center;
 gap: 24px;
 flex-wrap: wrap;
}

.trust-savings-num {
 font-size: 3rem;
 font-weight: 800;
 color: #fff;
 letter-spacing: -0.03em;
 line-height: 1;
 flex-shrink: 0;
}

.trust-savings-text {
 flex: 1;
 min-width: 180px;
 display: flex;
 flex-direction: column;
 gap: 4px;
}

.trust-savings-text strong {
 color: #fff;
 font-size: 1.05rem;
 display: block;
}

.trust-savings-text span {
 color: rgba(255,255,255,0.8);
 font-size: 0.9rem;
 line-height: 1.5;
}

.trust-savings-banner .btn {
 background: #fff;
 color: var(--color-accent);
 flex-shrink: 0;
 font-weight: 700;
}

.trust-savings-banner .btn:hover {
 background: #eff6ff;
}

/* ============ RATES SECTION ============ */
.rates-section {
 background: var(--color-bg);
}

/* Section heading for rates — no subhead, just the h2 */
.rates-section .section-header {
 margin-bottom: 40px;
}
.rates-section .section-header .section-subhead { display: none; }

.rates-top-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 36px;
 align-items: start;
 margin-bottom: 48px;
}

/* Rate cards column */
.rates-cards {
 display: flex;
 flex-direction: column;
 gap: 14px;
}

.rate-card {
 display: flex;
 align-items: center;
 justify-content: space-between;
 padding: 22px 28px;
 border-radius: var(--radius-lg);
 gap: 12px;
}

.rate-card--green { background: #dcfce7; }
.rate-card--sky { background: #e0f2fe; }
.rate-card--blue { background: #dbeafe; }

.rate-card-label {
 font-size: 1.05rem;
 font-weight: 500;
 color: #1e293b;
}

.rate-card-price {
 font-size: 1.25rem;
 font-weight: 800;
 color: #0f172a;
 white-space: nowrap;
}

.rate-card-price span {
 font-size: 0.875rem;
 font-weight: 500;
 color: #64748b;
}

/* Description column */
.rates-desc {
 padding-top: 4px;
}

.rates-desc p {
 font-size: 1rem;
 color: var(--color-text);
 line-height: 1.75;
 margin-bottom: 16px;
}

.rates-quote {
 margin: 20px 0 0;
 padding: 18px 22px;
 border-left: 3px solid var(--color-accent);
 background: var(--color-accent-light);
 border-radius: 0 var(--radius-md) var(--radius-md) 0;
 font-size: 0.95rem;
 font-style: italic;
 color: var(--color-text);
 line-height: 1.6;
}

.rates-quote cite {
 display: block;
 margin-top: 10px;
 font-size: 0.85rem;
 font-style: normal;
 font-weight: 700;
 color: var(--color-primary);
}

/* Age group sub-section */
.rates-age-section {
 border-top: 1px solid var(--color-border);
 padding-top: 44px;
}

.rates-age-heading {
 text-align: center;
 font-size: 1.25rem;
 font-weight: 700;
 color: var(--color-primary);
 margin-bottom: 28px;
}

.age-cards-grid {
 display: grid;
 grid-template-columns: repeat(2, 1fr);
 gap: 16px;
}

.age-card {
 background: var(--color-bg);
 border: 1px solid var(--color-border);
 border-radius: var(--radius-lg);
 padding: 28px 16px 22px;
 text-align: center;
 display: flex;
 flex-direction: column;
 align-items: center;
 gap: 5px;
 box-shadow: var(--shadow-sm);
 transition: box-shadow 0.2s, transform 0.2s;
}

.age-card:hover {
 box-shadow: var(--shadow-md);
 transform: translateY(-2px);
}

.age-avatar {
 width: 72px;
 height: 72px;
 background: #f0f5ff;
 border-radius: 50%;
 display: flex;
 align-items: center;
 justify-content: center;
 margin-bottom: 10px;
}

.age-label {
 font-size: 1rem;
 font-weight: 600;
 color: var(--color-primary);
}

.age-range {
 font-size: 0.82rem;
 color: var(--color-text-muted);
 margin-bottom: 4px;
}

.age-price {
 font-size: 1.2rem;
 font-weight: 800;
 color: var(--color-accent);
 margin-top: 12px;
 padding-top: 12px;
 border-top: 1px solid var(--color-border-light);
 width: 100%;
 text-align: center;
}

@media (min-width: 768px) {
 .rates-top-grid { grid-template-columns: 1fr 1fr; gap: 56px; }
 .age-cards-grid { grid-template-columns: repeat(4, 1fr); }
}

/* ============ TRUSTED GUIDANCE ============ */
.trusted-section {
 background: #f0f5ff;
}

.trusted-grid {
 border: 1px solid var(--color-border);
 border-radius: var(--radius-xl);
 overflow: hidden;
 display: grid;
 grid-template-columns: 1fr;
 background: var(--color-bg);
}

.trusted-cell {
 display: flex;
 flex-direction: column;
 align-items: center;
 text-align: center;
 padding: 32px 24px;
 gap: 8px;
 border-bottom: 1px solid var(--color-border);
}

.trusted-cell:last-child { border-bottom: none; }

.trusted-icon {
 width: 52px;
 height: 52px;
 background: #eff6ff;
 color: var(--color-accent);
 border-radius: var(--radius-md);
 display: flex;
 align-items: center;
 justify-content: center;
 margin-bottom: 4px;
}

.trusted-cell strong {
 font-size: 0.975rem;
 font-weight: 700;
 color: var(--color-primary);
 display: block;
}

.trusted-cell span {
 font-size: 0.875rem;
 color: var(--color-text-muted);
 line-height: 1.5;
}

@media (min-width: 640px) {
 .trusted-grid { grid-template-columns: repeat(3, 1fr); }
 .trusted-cell {
 border-bottom: none;
 border-right: 1px solid var(--color-border);
 }
 .trusted-cell:nth-child(3),
 .trusted-cell:nth-child(6) { border-right: none; }
 .trusted-cell:nth-child(1),
 .trusted-cell:nth-child(2),
 .trusted-cell:nth-child(3) { border-bottom: 1px solid var(--color-border); }
}

/* ============ TESTIMONIALS ============ */
.testimonials-section {
 background: var(--color-bg-alt);
 padding: 80px 0;
}

.testimonials-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 24px;
 margin-bottom: 40px;
}

@media (min-width: 900px) {
 .testimonials-grid { grid-template-columns: repeat(3, 1fr); }
}

.testimonial-card {
 background: #fff;
 border-radius: var(--radius-lg);
 padding: 28px 28px 24px;
 box-shadow: var(--shadow-md);
 border: 1px solid var(--color-border-light);
 display: flex;
 flex-direction: column;
 gap: 16px;
}

.testimonial-stars {
 display: flex;
 gap: 3px;
}

.testimonial-card blockquote {
 margin: 0;
 font-size: 0.975rem;
 color: var(--color-text);
 line-height: 1.65;
 font-style: italic;
}

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

.testimonial-avatar {
 width: 44px;
 height: 44px;
 border-radius: 50%;
 display: flex;
 align-items: center;
 justify-content: center;
 font-size: 0.8rem;
 font-weight: 700;
 color: #fff;
 flex-shrink: 0;
}

.testimonial-avatar--1 { background: #2563eb; }
.testimonial-avatar--2 { background: #059669; }
.testimonial-avatar--3 { background: #7c3aed; }
.testimonial-avatar--4 { background: #ea580c; }
.testimonial-avatar--5 { background: #0d9488; }
.testimonial-avatar--6 { background: #db2777; }

.testimonial-author strong {
 display: block;
 font-size: 0.9rem;
 color: var(--color-primary);
}

.testimonial-author span {
 font-size: 0.8rem;
 color: var(--color-text-muted);
}

.testimonials-aggregate {
 display: flex;
 flex-direction: column;
 align-items: center;
 gap: 8px;
}

.aggregate-stars {
 display: flex;
 gap: 4px;
}

.testimonials-aggregate p {
 color: var(--color-text-muted);
 font-size: 0.9rem;
 margin: 0;
}

/* ============ STATS SECTION ============ */
.stats-section {
 background: var(--color-primary);
 padding: 48px 0;
}

.stats-grid {
 display: grid;
 grid-template-columns: repeat(2, 1fr);
 gap: 24px;
}

.stat-item {
 text-align: center;
 padding: 16px;
}

.stat-number {
 display: block;
 font-size: clamp(1.5rem, 4vw, 2.25rem);
 font-weight: 800;
 color: #fff;
 letter-spacing: -0.02em;
 margin-bottom: 6px;
}

.stat-desc {
 font-size: 0.85rem;
 color: #94a3b8;
 line-height: 1.4;
 display: block;
}

/* ============ PARTNERS SECTION ============ */
.partners-section {
 background: var(--color-bg);
}

.partners-grid {
 display: grid;
 grid-template-columns: repeat(2, 1fr);
 gap: 12px;
}

.partner-card {
 display: flex;
 align-items: center;
 justify-content: center;
 padding: 16px 12px;
 background: var(--color-bg-alt);
 border: 1px solid var(--color-border);
 border-radius: var(--radius-md);
 min-height: 80px;
 transition: box-shadow 0.2s;
}

.partner-card:hover {
 box-shadow: var(--shadow-sm);
}

.partner-logo-grid-img {
 max-width: 100%;
 max-height: 48px;
 width: auto;
 height: auto;
 object-fit: contain;
}

.partners-disclaimer {
 font-size: 0.85rem;
 color: var(--color-text-light);
}

/* ============ ABOUT US ============ */
.about-section {
 background: var(--color-bg);
}

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

/* Image column */
.about-image-col {
 position: relative;
}

.about-image-wrapper {
 position: relative;
 border-radius: var(--radius-xl);
 overflow: hidden;
}

.about-img {
 width: 100%;
 height: 400px;
 object-fit: cover;
 border-radius: var(--radius-xl);
 display: block;
 box-shadow: var(--shadow-xl);
}

.about-badge-card {
 position: absolute;
 bottom: 16px;
 right: 16px;
 background: var(--color-accent);
 color: #fff;
 border-radius: var(--radius-lg);
 padding: 16px 22px;
 text-align: center;
 box-shadow: 0 8px 24px rgba(37,99,235,0.4);
}

.about-badge-num {
 font-size: 2rem;
 font-weight: 800;
 line-height: 1;
 letter-spacing: -0.02em;
}

.about-badge-label {
 font-size: 0.75rem;
 opacity: 0.9;
 margin-top: 4px;
 white-space: nowrap;
}

/* Content column */
.about-content-col {
 display: flex;
 flex-direction: column;
 justify-content: center;
}

.section-eyebrow {
 display: inline-block;
 font-size: 0.8rem;
 font-weight: 700;
 letter-spacing: 0.1em;
 text-transform: uppercase;
 color: var(--color-accent);
 margin-bottom: 12px;
}

.about-lead {
 font-size: 1.05rem;
 color: var(--color-text);
 font-weight: 500;
 line-height: 1.65;
 margin-bottom: 16px;
}

.about-pillars {
 display: grid;
 grid-template-columns: 1fr;
 gap: 12px;
 margin-top: 28px;
 padding-top: 28px;
 border-top: 1px solid var(--color-border);
}

.about-pillar {
 display: flex;
 align-items: center;
 gap: 16px;
 background: var(--color-bg-alt);
 border: 1px solid var(--color-border-light);
 border-radius: var(--radius-md);
 padding: 14px 16px;
}

.about-pillar-icon {
 width: 46px;
 height: 46px;
 background: var(--color-accent);
 color: #fff;
 border-radius: var(--radius-sm);
 display: flex;
 align-items: center;
 justify-content: center;
 flex-shrink: 0;
}

.about-pillar-text { display: flex; flex-direction: column; gap: 2px; }

.about-pillar strong {
 font-size: 0.95rem;
 font-weight: 700;
 color: var(--color-primary);
}

.about-pillar span {
 font-size: 0.85rem;
 color: var(--color-text-muted);
 line-height: 1.5;
}

.mt-4 { margin-top: 1.5rem; }

@media (min-width: 900px) {
 .about-grid {
 grid-template-columns: 5fr 6fr;
 gap: 56px;
 }
}

/* ============ FAQ ============ */
.faq-section { background: var(--color-bg-alt); }

.faq-list {
 max-width: 760px;
 margin: 0 auto;
}

.faq-item {
 border: 1px solid var(--color-border);
 border-radius: var(--radius-md);
 margin-bottom: 12px;
 background: var(--color-bg);
 overflow: hidden;
}

.faq-question {
 width: 100%;
 background: none;
 border: none;
 padding: 20px 24px;
 font-size: 1rem;
 font-weight: 600;
 color: var(--color-text);
 text-align: left;
 cursor: pointer;
 display: flex;
 align-items: center;
 justify-content: space-between;
 gap: 12px;
 font-family: var(--font-family);
}

.faq-question:hover { background: var(--color-bg-alt); }

.faq-icon {
 flex-shrink: 0;
 color: var(--color-text-muted);
 transition: transform 0.3s, color 0.2s;
}

.faq-question[aria-expanded="true"] .faq-icon {
 transform: rotate(180deg);
 color: var(--color-accent);
}

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

.faq-answer.open {
 max-height: 300px;
 padding: 0 24px 20px;
}

.faq-answer p {
 margin: 0;
 font-size: 0.95rem;
 color: var(--color-text-muted);
 line-height: 1.7;
}

/* ============ CTA BANNER ============ */
.cta-banner {
 background: var(--color-primary);
 padding: 56px 0;
}

.cta-banner-inner {
 text-align: center;
 max-width: 600px;
 margin: 0 auto;
}

.cta-banner h2 {
 color: #fff;
 margin-bottom: 12px;
}

.cta-banner p {
 color: #94a3b8;
 font-size: 1.1rem;
 margin-bottom: 28px;
}

.cta-banner .btn-trust { color: #64748b; }

/* ============ QUESTIONNAIRE OVERLAY ============ */
.questionnaire-overlay {
 position: fixed;
 inset: 0;
 z-index: 2000;
 background: var(--color-bg-alt);
 overflow-y: auto;
 display: none;
 flex-direction: column;
}

.questionnaire-overlay.active { display: flex; }

.questionnaire-wrapper {
 position: relative;
 flex: 1;
 display: flex;
 flex-direction: column;
}

.questionnaire-close {
 position: fixed;
 top: 16px;
 right: 16px;
 z-index: 2001;
 background: var(--color-bg);
 border: 1px solid var(--color-border);
 border-radius: var(--radius-sm);
 width: 44px;
 height: 44px;
 display: flex;
 align-items: center;
 justify-content: center;
 cursor: pointer;
 color: var(--color-text-muted);
 transition: color 0.2s, border-color 0.2s;
}

.questionnaire-close:hover {
 color: var(--color-text);
 border-color: var(--color-text-muted);
}

/* Overlay Progress */
.overlay-progress {
 position: sticky;
 top: 0;
 z-index: 1999;
 background: var(--color-bg);
 padding: 14px 0;
 border-bottom: 1px solid var(--color-border);
 box-shadow: var(--shadow-sm);
}

.overlay-progress .progress-label {
 font-size: 0.8rem;
 font-weight: 600;
 color: var(--color-text-muted);
 margin-bottom: 6px;
 text-transform: uppercase;
 letter-spacing: 0.05em;
}

.overlay-progress .progress-track {
 width: 100%;
 height: 4px;
 background: var(--color-border);
 border-radius: 2px;
 overflow: hidden;
}

.overlay-progress .progress-fill {
 height: 100%;
 background: var(--color-accent);
 border-radius: 2px;
 transition: width 0.4s ease;
}

/* Questionnaire Body */
.questionnaire-body {
 flex: 1;
 padding: 32px 0 64px;
}

.questionnaire-body .container {
 max-width: var(--questionnaire-max);
}

.question-card {
 background: var(--color-bg);
 border-radius: var(--radius-lg);
 padding: 28px 20px;
 box-shadow: var(--shadow-md);
}

/* ---- Step Content ---- */
.step h2 {
 margin-bottom: 8px;
 font-size: clamp(1.3rem, 3.5vw, 1.6rem);
}

.step-subhead {
 color: var(--color-text-muted);
 margin-bottom: 24px;
 font-size: 0.95rem;
}

/* ---- Form Elements ---- */
.form-group { margin-bottom: 18px; }

.form-label {
 font-size: 0.85rem;
 font-weight: 600;
 color: var(--color-text);
 margin-bottom: 6px;
 display: block;
}

.form-control {
 border: 1.5px solid var(--color-border);
 border-radius: var(--radius-sm);
 padding: 14px 16px;
 font-size: 1rem;
 font-family: var(--font-family);
 color: var(--color-text);
 background: var(--color-bg);
 transition: border-color 0.2s, box-shadow 0.2s;
 min-height: 52px;
 width: 100%;
}

.form-control:focus {
 border-color: var(--color-accent);
 box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.08);
 outline: none;
}

.form-control.is-invalid { border-color: var(--color-error); }
.form-control.is-invalid:focus { box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.08); }

.form-select {
 border: 1.5px solid var(--color-border);
 border-radius: var(--radius-sm);
 padding: 14px 16px;
 font-size: 1rem;
 font-family: var(--font-family);
 color: var(--color-text);
 background: var(--color-bg);
 min-height: 52px;
 width: 100%;
 appearance: auto;
}

.form-select:focus {
 border-color: var(--color-accent);
 box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.08);
 outline: none;
}

/* ---- Error Messages ---- */
.error-message {
 color: var(--color-error);
 font-size: 0.85rem;
 font-weight: 500;
 margin-top: 6px;
 display: none;
}

.error-message.visible { display: block; }

/* ---- Buttons ---- */
.btn-primary {
 background: var(--color-accent);
 border: none;
 color: #fff;
 font-weight: 600;
 font-size: 1rem;
 padding: 14px 32px;
 border-radius: var(--radius-sm);
 min-height: 52px;
 transition: background 0.2s, transform 0.1s;
 cursor: pointer;
 font-family: var(--font-family);
 display: inline-flex;
 align-items: center;
 justify-content: center;
}

.btn-primary:hover {
 background: var(--color-accent-hover);
 transform: translateY(-1px);
}

.btn-secondary {
 background: transparent;
 border: 1.5px solid var(--color-border);
 color: var(--color-text-muted);
 font-weight: 600;
 font-size: 1rem;
 padding: 14px 32px;
 border-radius: var(--radius-sm);
 min-height: 52px;
 cursor: pointer;
 font-family: var(--font-family);
 transition: background 0.2s, color 0.2s;
}

.btn-secondary:hover {
 background: var(--color-bg-alt);
 color: var(--color-text);
}

.btn-next {
 display: block;
 width: 100%;
 margin-top: 8px;
}

.btn-final {
 margin-top: 16px;
 font-size: 1.1rem;
 padding: 16px 32px;
}

/* ---- Step Navigation ---- */
.step-nav {
 display: flex;
 gap: 12px;
 margin-top: 24px;
}

.step-nav .btn-secondary { flex: 1; }
.step-nav .btn-primary { flex: 2; }

/* ---- Option Cards (Yes/No) ---- */
.option-cards {
 display: grid;
 grid-template-columns: 1fr 1fr;
 gap: 12px;
 margin-bottom: 8px;
}

.option-cards-vertical { grid-template-columns: 1fr; }

.option-card {
 display: flex;
 flex-direction: column;
 align-items: center;
 justify-content: center;
 gap: 8px;
 padding: 24px 16px;
 border: 2px solid var(--color-border);
 border-radius: var(--radius-md);
 cursor: pointer;
 transition: border-color 0.2s, background 0.2s;
 text-align: center;
 min-height: 110px;
 user-select: none;
}

.option-card input[type="radio"] { display: none; }

.option-card:hover {
 border-color: var(--color-accent);
 background: rgba(37, 99, 235, 0.02);
}

.option-card:has(input:checked) {
 border-color: var(--color-accent);
 background: rgba(37, 99, 235, 0.04);
}

.option-icon { font-size: 2rem; }

.option-label {
 font-size: 1rem;
 font-weight: 600;
 color: var(--color-text);
}

.option-card-wide {
 flex-direction: row;
 justify-content: flex-start;
 padding: 18px 20px;
 min-height: 68px;
 gap: 12px;
}

.option-card-wide .option-icon { font-size: 1.4rem; }
.option-card-wide .option-label { font-size: 0.95rem; }

/* ---- Provider Grid ---- */
.provider-grid {
 display: grid;
 grid-template-columns: repeat(2, 1fr);
 gap: 10px;
 margin-bottom: 8px;
}

.provider-card {
 display: flex;
 align-items: center;
 justify-content: center;
 padding: 14px 10px;
 border: 1.5px solid var(--color-border);
 border-radius: var(--radius-sm);
 cursor: pointer;
 font-size: 0.85rem;
 font-weight: 500;
 color: var(--color-text);
 background: var(--color-bg);
 transition: border-color 0.2s, background 0.2s;
 text-align: center;
 min-height: 52px;
 user-select: none;
}

.provider-card input[type="radio"] { display: none; }

.provider-card:hover {
 border-color: var(--color-accent);
 background: rgba(37, 99, 235, 0.02);
}

.provider-card:has(input:checked) {
 border-color: var(--color-accent);
 background: rgba(37, 99, 235, 0.04);
 font-weight: 600;
}

/* ---- Radio Groups ---- */
.radio-group {
 display: flex;
 flex-wrap: wrap;
 gap: 12px 20px;
 margin-bottom: 16px;
}

.radio-group-vertical { flex-direction: column; gap: 10px; }

.radio-label {
 display: flex;
 align-items: center;
 gap: 8px;
 font-size: 0.95rem;
 color: var(--color-text);
 cursor: pointer;
 padding: 4px 0;
}

.radio-label input[type="radio"] {
 width: 20px;
 height: 20px;
 accent-color: var(--color-accent);
 flex-shrink: 0;
}

/* ---- Profile Questions ---- */
.profile-questions {
 display: flex;
 flex-direction: column;
 gap: 20px;
}

.question-group {
 padding-bottom: 20px;
 border-bottom: 1px solid var(--color-border-light);
}

.question-group:last-child { border-bottom: none; }

.question-text {
 font-size: 0.95rem;
 font-weight: 600;
 color: var(--color-text);
 margin-bottom: 10px;
}

/* ---- DOB Inputs ---- */
.dob-inputs { display: flex; gap: 12px; }

.dob-inputs .form-group { flex: 1; margin-bottom: 0; }

.dob-inputs .form-select { text-align: center; font-weight: 600; }

/* ---- Trust Text ---- */
.trust-text {
 font-size: 0.85rem;
 color: var(--color-text-muted);
 text-align: center;
 margin-top: 16px;
 margin-bottom: 0;
}

/* ============ FOOTER ============ */
.site-footer {
 background: var(--color-primary);
 color: #94a3b8;
 padding: 48px 0 32px;
}

.footer-grid {
 display: grid;
 grid-template-columns: 1fr;
 gap: 36px;
 margin-bottom: 40px;
}

.footer-logo {
 display: inline-flex;
 align-items: center;
 gap: 10px;
 font-size: 1.3rem;
 font-weight: 800;
 color: #fff;
 letter-spacing: -0.03em;
 text-decoration: none;
}

.footer-logo span { color: var(--color-accent); }

.footer-desc {
 font-size: 0.9rem;
 color: #64748b;
 margin-top: 12px;
 margin-bottom: 0;
 max-width: 320px;
 line-height: 1.6;
}

.footer-links-group h4 {
 color: #e2e8f0;
 font-size: 0.85rem;
 font-weight: 600;
 text-transform: uppercase;
 letter-spacing: 0.06em;
 margin-bottom: 16px;
}

.footer-links-group a {
 display: block;
 font-size: 0.9rem;
 color: #64748b;
 padding: 4px 0;
 text-decoration: none;
}

.footer-links-group a:hover { color: #e2e8f0; }

.footer-bottom {
 border-top: 1px solid rgba(255, 255, 255, 0.08);
 padding-top: 24px;
}

.footer-legal {
 display: flex;
 flex-direction: column;
 gap: 12px;
}

.footer-legal p {
 font-size: 0.85rem;
 color: #64748b;
 margin: 0;
}

.footer-legal-links {
 display: flex;
 flex-wrap: wrap;
 gap: 8px 16px;
}

.footer-legal-links a {
 font-size: 0.8rem;
 color: #475569;
 text-decoration: none;
}

.footer-legal-links a:hover { color: #94a3b8; }

/* ============ FOCUS STATES ============ */
.btn-primary:focus-visible,
.btn-secondary:focus-visible,
.form-control:focus-visible,
.form-select:focus-visible {
 outline: 3px solid var(--color-accent);
 outline-offset: 2px;
}

.option-card:focus-within,
.provider-card:focus-within {
 outline: 3px solid var(--color-accent);
 outline-offset: 2px;
}

/* ============ UTILITY ============ */
.sr-only {
 position: absolute;
 width: 1px;
 height: 1px;
 padding: 0;
 margin: -1px;
 overflow: hidden;
 clip: rect(0, 0, 0, 0);
 white-space: nowrap;
 border: 0;
}

/* ============================================
 RESPONSIVE BREAKPOINTS
 ============================================ */

/* ---------- Tiny phones: 320px – 374px ---------- */
@media (max-width: 374px) {
 .logo-tagline { display: none; }
 .hero-section { padding: 20px 0 16px; }
 .hero-content h1 { font-size: 1.35rem; max-width: 100%; width: 100%; }
 .hero-content { min-width: 0; }
 .hero-badge { font-size: 0.7rem; padding: 6px 12px; margin-bottom: 14px; }
 .hero-subhead { font-size: 0.82rem; margin-bottom: 16px; }
 .hero-social-proof { flex-direction: column; align-items: flex-start; gap: 6px; margin-bottom: 20px; }
 .hero-social-text p { font-size: 0.75rem; }
 .hero-zip-input-group { max-width: 100%; flex-wrap: wrap; }
 .hero-zip-input { padding: 14px 10px; font-size: 0.92rem; }
 .hero-zip-btn { padding: 14px 12px; font-size: 0.85rem; gap: 4px; width: 100%; justify-content: center; }
 .hero-zip-btn svg { width: 16px; height: 16px; }
 .hero-zip-trust { font-size: 0.72rem; }
 .hero-features { padding: 16px 0; }
 .features-wrap { padding: 0 6px; }
 .features-row { gap: 6px; }
 .feature-pill { padding: 10px 10px; gap: 10px; }
 .feature-pill-icon { width: 34px; height: 34px; }
 .feature-pill strong { font-size: 0.78rem; }
 .feature-pill span { font-size: 0.68rem; }

 /* Trust / Why Us cards */
 .trust-cards-grid { gap: 10px; }
 .trust-feat-card { padding: 18px 14px; }
 .trust-feat-icon { width: 42px; height: 42px; }
 .trust-feat-card h3 { font-size: 0.92rem; }
 .trust-feat-card p { font-size: 0.82rem; }
 .trust-savings-banner { padding: 22px 16px; flex-direction: column; text-align: center; }
 .trust-savings-num { font-size: 2.4rem; }
 .trust-savings-text { min-width: 100%; }
 .trust-savings-text strong { font-size: 0.95rem; }
 .trust-savings-text span { font-size: 0.82rem; }

 /* Stats */
 .stats-grid { gap: 16px; }
 .stat-number { font-size: 1.3rem; }
 .stat-desc { font-size: 0.78rem; }

 /* Partners */
 .partners-grid { gap: 8px; }
 .partner-card { padding: 10px 8px; min-height: 60px; }

 /* Steps */
 .step-card { padding: 24px 16px; }
 .step-card-icon { width: 50px; height: 50px; }

 /* Age cards */
 .age-card { padding: 20px 10px 18px; }
 .age-avatar { width: 56px; height: 56px; }
 .age-price { font-size: 1rem; }

 /* Trusted guidance cells */
 .trusted-cell { padding: 22px 16px; }
 .trusted-icon { width: 44px; height: 44px; }

 /* About pillars */
 .about-pillar { padding: 10px 12px; }
 .about-pillar-icon { width: 38px; height: 38px; }
 .about-pillar strong { font-size: 0.85rem; }
 .about-pillar span { font-size: 0.78rem; }

 /* Section padding */
 section { padding: 40px 0; }
 .container { padding: 0 10px; }
}

/* ---------- Standard phones: 375px – 413px ---------- */
@media (min-width: 375px) and (max-width: 413px) {
 .logo-tagline { display: none; }
 .hero-section { padding: 24px 0 20px; }
 .hero-content h1 { font-size: 1.5rem; max-width: 100%; }
 .hero-badge { font-size: 0.72rem; padding: 6px 12px; margin-bottom: 14px; }
 .hero-subhead { font-size: 0.88rem; margin-bottom: 18px; }
 .hero-social-proof { margin-bottom: 22px; }
 .hero-social-text p { font-size: 0.78rem; }
 .hero-zip-input-group { max-width: 100%; }
 .hero-zip-input { padding: 14px 12px; font-size: 0.95rem; }
 .hero-zip-btn { padding: 14px 18px; font-size: 0.88rem; }
 .hero-features { padding: 18px 0; }
 .features-wrap { padding: 0 8px; }
 .features-row { gap: 8px; }
 .feature-pill { padding: 12px 12px; gap: 12px; }
 .feature-pill-icon { width: 38px; height: 38px; }
 .feature-pill strong { font-size: 0.82rem; }
 .feature-pill span { font-size: 0.72rem; }

 .trust-feat-card { padding: 20px 16px; }
 .trust-feat-icon { width: 44px; height: 44px; }
 .trust-savings-banner { padding: 22px 16px; }
 .trust-savings-num { font-size: 2.5rem; }

 .stats-grid { gap: 18px; }
 .stat-number { font-size: 1.3rem; }
 .partners-grid { gap: 10px; }
 .step-card { padding: 24px 18px; }

 .age-card { padding: 22px 12px; }
 .age-avatar { width: 60px; height: 60px; }
 .age-price { font-size: 1.05rem; }

 section { padding: 44px 0; }
 .container { padding: 0 12px; }
}

/* ---------- Large phones: 414px – 639px ---------- */
@media (min-width: 414px) and (max-width: 639px) {
 .hero-section { padding: 28px 0 24px; }
 .hero-content h1 { font-size: 1.65rem; max-width: 100%; }
 .hero-badge { font-size: 0.74rem; }
 .hero-subhead { font-size: 0.92rem; }
 .hero-social-proof { margin-bottom: 24px; }
 .hero-zip-input-group { max-width: 100%; }
 .hero-image-wrapper { max-width: 300px; }
 section { padding: 48px 0; }
 .container { padding: 0 14px; }

 .trust-cards-grid { gap: 14px; }
 .trust-feat-card { padding: 22px 18px; }
 .trust-savings-banner { padding: 24px 20px; }
 .trust-savings-num { font-size: 2.8rem; }

 .stats-grid { gap: 20px; }
 .partners-grid { gap: 12px; }
 .step-card-icon { width: 56px; height: 56px; }
}

/* ---------- Large phones / small tablets: 640px – 767px ---------- */
@media (min-width: 640px) {
 .hero-section { padding: 36px 0 32px; }
 .hero-content h1 { max-width: 440px; }
 .hero-visual { min-height: 460px; }
 .hero-image-wrapper { max-width: 340px; }
 .hero-float-card { display: none; }

 .hero-zip-input-group { max-width: 100%; }

 section { padding: 56px 0; }
 .trust-bar-inner { grid-template-columns: repeat(3, 1fr); gap: 16px; }
 .trust-cards-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
 .about-pillars { grid-template-columns: 1fr 1fr; }
 .steps-grid { grid-template-columns: repeat(3, 1fr); gap: 20px; }
 .stats-grid { grid-template-columns: repeat(4, 1fr); }
 .partners-grid { grid-template-columns: repeat(4, 1fr); }
 .trust-savings-banner { flex-direction: row; padding: 28px 28px; text-align: left; }
 .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
 .footer-legal { flex-direction: row; justify-content: space-between; align-items: center; }
}

/* ---------- Tablets: 768px – 1023px ---------- */
@media (min-width: 768px) {
 .hero-section { padding: 48px 0; }
 .hero-grid { gap: 40px; }
 .hero-content h1 { font-size: 2rem; max-width: 480px; }
 .hero-visual { min-height: 480px; }
 .hero-image-wrapper { max-width: 360px; }
 .hero-float-card { display: none; }



 section { padding: 64px 0; }
 .trust-bar-inner { grid-template-columns: repeat(3, 1fr); gap: 24px; }
 .steps-grid { grid-template-columns: repeat(3, 1fr); gap: 24px; }
 .stats-grid { grid-template-columns: repeat(4, 1fr); }
 .partners-grid { grid-template-columns: repeat(4, 1fr); }
 .testimonials-grid { grid-template-columns: repeat(3, 1fr); }
 .about-grid { grid-template-columns: 1fr 1fr; }
 .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
}

/* ---------- Desktop: 1024px+ ---------- */
@media (min-width: 1024px) {
 section { padding: 80px 0; }

 .hero-section {
 padding: 80px 0;
 min-height: 600px;
 display: flex;
 flex-direction: column;
 justify-content: center;
 }

 .hero-grid {
 grid-template-columns: 1fr 1fr;
 gap: 60px;
 }

 .hero-content h1 { font-size: clamp(2.25rem, 4vw, 3rem); }

 .hero-visual { min-height: 500px; }
 .hero-image-wrapper { max-width: 380px; }
 .hero-float-card { display: block; max-width: 200px; }
 .hero-float-card-top { top: 16px; right: -10px; }
 .hero-float-card-bottom { bottom: 50px; left: -10px; }

 .trust-bar-inner { grid-template-columns: repeat(3, 1fr); gap: 32px; }
 .steps-grid { grid-template-columns: repeat(3, 1fr); gap: 32px; }
 .stats-grid { grid-template-columns: repeat(4, 1fr); }
 .partners-grid { grid-template-columns: repeat(4, 1fr); }
 .testimonials-grid { grid-template-columns: repeat(3, 1fr); }
 .about-grid { grid-template-columns: 1fr 1fr; }
 .rates-top-grid { grid-template-columns: 1fr 1fr; gap: 56px; }
 .age-cards-grid { grid-template-columns: repeat(4, 1fr); }
 .trusted-grid { grid-template-columns: repeat(3, 1fr); }
 .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
}

/* ============ Print ============ */
@media print {
 .site-header, .hero-section, .trust-bar, .cta-banner,
 .site-footer, .questionnaire-overlay, .step-nav,
 .btn-next, .btn-final, .questionnaire-close { display: none !important; }
 body { overflow: visible; }
}

/* ============================================
 form.css — Form page styles (extracted from form.html)
 ============================================ */

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

body {
 font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
 background: #f8fafc;
 color: #1e293b;
 min-height: 100vh;
 -webkit-font-smoothing: antialiased;
}

/* ===========================
 HEADER
=========================== */
.fq-header {
 background: #fff;
 border-bottom: 1px solid #e2e8f0;
 padding: 0 24px;
 height: 64px;
 display: flex;
 align-items: center;
 justify-content: space-between;
 position: sticky;
 top: 0;
 z-index: 100;
 box-shadow: 0 1px 4px rgba(0, 0, 0, 0.05);
}

.fq-logo {
 display: flex;
 align-items: center;
 gap: 10px;
 text-decoration: none;
}

.fq-logo-icon {
 width: 36px;
 height: 36px;
 background: #2563eb;
 border-radius: 8px;
 display: flex;
 align-items: center;
 justify-content: center;
}

.fq-logo-text {
 font-size: 1.1rem;
 font-weight: 800;
 color: #0f172a;
 letter-spacing: -0.02em;
}

.fq-logo-text span {
 color: #2563eb;
}

.fq-header-trust {
 display: flex;
 align-items: center;
 gap: 6px;
 font-size: 0.8rem;
 color: #64748b;
 font-weight: 500;
}

.fq-header-trust svg {
 color: #059669;
 flex-shrink: 0;
}

/* ===========================
 PROGRESS BAR
=========================== */
.fq-progress-wrap {
 background: #fff;
 border-bottom: 1px solid #e2e8f0;
 padding: 12px 24px 0;
}

.fq-progress-inner {
 max-width: 680px;
 margin: 0 auto;
}

.fq-progress-meta {
 display: flex;
 justify-content: space-between;
 align-items: center;
 margin-bottom: 10px;
}

.fq-step-label {
 font-size: 0.75rem;
 font-weight: 700;
 text-transform: uppercase;
 letter-spacing: 0.08em;
 color: #64748b;
}

.fq-step-pct {
 font-size: 0.75rem;
 font-weight: 700;
 color: #2563eb;
}

.fq-progress-dots {
 display: flex;
 gap: 4px;
 margin-bottom: 0;
 padding-bottom: 0;
}

.fq-dot {
 flex: 1;
 height: 4px;
 border-radius: 2px;
 background: #e2e8f0;
 transition: background 0.3s;
}

.fq-dot.done {
 background: #2563eb;
}

.fq-dot.active {
 background: #93c5fd;
}

/* ===========================
 PAGE BODY
=========================== */
.fq-body {
 padding: 36px 20px 80px;
 min-height: calc(100vh - 130px);
}

.fq-card {
 background: #fff;
 border-radius: 16px;
 box-shadow: 0 2px 16px rgba(15, 23, 42, 0.08);
 max-width: 640px;
 margin: 0 auto;
}

/* Card top accent bar */
.fq-card-accent {
 height: 5px;
 border-radius: 16px 16px 0 0;
 background: linear-gradient(90deg, #2563eb 0%, #60a5fa 100%);
}

.fq-card-body {
 padding: 36px 36px 32px;
}

/* ===========================
 STEP CONTENT
=========================== */
.fq-step {
 display: none;
}

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

.fq-step-num {
 display: inline-flex;
 align-items: center;
 justify-content: center;
 width: 28px;
 height: 28px;
 background: #eff6ff;
 color: #2563eb;
 border-radius: 50%;
 font-size: 0.75rem;
 font-weight: 800;
 margin-bottom: 14px;
}

.fq-q {
 font-size: 1.45rem;
 font-weight: 800;
 color: #0f172a;
 line-height: 1.25;
 margin-bottom: 6px;
 letter-spacing: -0.02em;
}

.fq-sub {
 font-size: 0.9rem;
 color: #64748b;
 margin-bottom: 28px;
 line-height: 1.5;
}

/* ===========================
 OPTION CARDS (Yes/No etc)
=========================== */
.fq-opts {
 display: flex;
 flex-direction: column;
 gap: 10px;
 margin-bottom: 24px;
}

.fq-opts.cols-2 {
 flex-direction: row;
}

.fq-opt {
 position: relative;
 flex: 1;
}

.fq-opt input[type="radio"] {
 position: absolute;
 opacity: 0;
 width: 0;
 height: 0;
}

.fq-opt-label {
 display: flex;
 align-items: center;
 gap: 14px;
 padding: 16px 20px;
 border: 2px solid #e2e8f0;
 border-radius: 10px;
 cursor: pointer;
 transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
 background: #fff;
 user-select: none;
}

.fq-opt-label:hover {
 border-color: #93c5fd;
 background: #f8fbff;
}

.fq-opt input:checked+.fq-opt-label {
 border-color: #2563eb;
 background: #eff6ff;
 box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.fq-opt-radio {
 width: 20px;
 height: 20px;
 border: 2px solid #cbd5e1;
 border-radius: 50%;
 flex-shrink: 0;
 display: flex;
 align-items: center;
 justify-content: center;
 transition: border-color 0.15s;
}

.fq-opt input:checked+.fq-opt-label .fq-opt-radio {
 border-color: #2563eb;
 background: #2563eb;
}

.fq-opt input:checked+.fq-opt-label .fq-opt-radio::after {
 content: '';
 width: 8px;
 height: 8px;
 background: #fff;
 border-radius: 50%;
 display: block;
}

.fq-opt-icon {
 font-size: 1.4rem;
 line-height: 1;
}

.fq-opt-text {
 flex: 1;
}

.fq-opt-title {
 font-size: 0.975rem;
 font-weight: 600;
 color: #0f172a;
 display: block;
}

.fq-opt-desc {
 font-size: 0.8rem;
 color: #64748b;
 margin-top: 2px;
 display: block;
}

/* Icon-only 2-up cards (yes/no) */
.fq-opts.icon-cards {
 flex-direction: row;
 gap: 12px;
}

.fq-opts.icon-cards .fq-opt-label {
 flex-direction: column;
 align-items: center;
 justify-content: center;
 gap: 10px;
 padding: 22px 12px;
 min-height: 100px;
 text-align: center;
}

.fq-opts.icon-cards .fq-opt-radio {
 display: none;
}

.fq-opts.icon-cards .fq-opt-icon {
 font-size: 2rem;
}

.fq-opts.icon-cards .fq-opt-title {
 font-size: 0.95rem;
}

/* ===========================
 PROVIDER GRID
=========================== */
.fq-provider-grid {
 display: grid;
 grid-template-columns: repeat(2, 1fr);
 gap: 8px;
 margin-bottom: 24px;
}

.fq-prov {
 position: relative;
}

.fq-prov input[type="radio"] {
 position: absolute;
 opacity: 0;
 width: 0;
 height: 0;
}

.fq-prov-label {
 display: flex;
 align-items: center;
 gap: 10px;
 padding: 12px 14px;
 border: 1.5px solid #e2e8f0;
 border-radius: 8px;
 cursor: pointer;
 font-size: 0.875rem;
 font-weight: 600;
 color: #1e293b;
 background: #fff;
 transition: border-color 0.15s, background 0.15s;
 user-select: none;
}

.fq-prov-label:hover {
 border-color: #93c5fd;
 background: #f8fbff;
}

.fq-prov input:checked+.fq-prov-label {
 border-color: #2563eb;
 background: #eff6ff;
 color: #1d4ed8;
}

.fq-prov-dot {
 width: 16px;
 height: 16px;
 border: 2px solid #cbd5e1;
 border-radius: 50%;
 flex-shrink: 0;
 transition: border-color 0.15s, background 0.15s;
}

.fq-prov input:checked+.fq-prov-label .fq-prov-dot {
 border-color: #2563eb;
 background: #2563eb;
}

/* ===========================
 PROVIDER SEARCH DROPDOWN
=========================== */
.fq-provider-search-wrap {
 position: relative;
 margin-bottom: 24px;
}

.fq-provider-search {
 display: flex;
 align-items: center;
 border: 1.5px solid #e2e8f0;
 border-radius: 10px;
 background: #fff;
 cursor: pointer;
 transition: border-color 0.15s, box-shadow 0.15s;
 min-height: 48px;
}

.fq-provider-search:focus-within,
.fq-provider-search.open {
 border-color: #2563eb;
 box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
 outline: none;
}

.fq-provider-search-input {
 flex: 1;
 border: none;
 padding: 14px 16px;
 font-size: 1rem;
 font-family: inherit;
 color: #1e293b;
 background: transparent;
 outline: none;
 min-width: 0;
}

.fq-provider-search-input::placeholder {
 color: #94a3b8;
}

.fq-provider-search-arrow {
 padding: 0 14px;
 color: #94a3b8;
 font-size: 0.8rem;
 flex-shrink: 0;
 transition: transform 0.2s;
}

.fq-provider-search.open .fq-provider-search-arrow {
 transform: rotate(180deg);
}

.fq-provider-dropdown {
 display: none;
 position: absolute;
 top: 100%;
 left: 0;
 right: 0;
 margin-top: 4px;
 background: #fff;
 border: 1px solid #e2e8f0;
 border-radius: 10px;
 box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);
 z-index: 50;
 max-height: 300px;
 overflow-y: auto;
}

.fq-provider-dropdown.open {
 display: block;
}

.fq-provider-dropdown-item {
 padding: 12px 16px;
 font-size: 0.9rem;
 color: #1e293b;
 cursor: pointer;
 transition: background 0.1s;
 border-bottom: 1px solid #f1f5f9;
}

.fq-provider-dropdown-item:last-child {
 border-bottom: none;
}

.fq-provider-dropdown-item:hover {
 background: #f0f9ff;
 color: #2563eb;
}

.fq-provider-dropdown-item.selected {
 background: #eff6ff;
 color: #2563eb;
 font-weight: 600;
}

.fq-provider-search-results {
 display: none;
}

.fq-provider-search-results.has-results {
 display: block;
}

.fq-provider-full-list {
 padding: 8px 0;
}

.fq-provider-full-list-label {
 padding: 8px 16px 4px;
 font-size: 0.7rem;
 font-weight: 700;
 color: #94a3b8;
 text-transform: uppercase;
 letter-spacing: 0.05em;
}

.fq-provider-dropdown-empty {
 padding: 16px;
 text-align: center;
 font-size: 0.85rem;
 color: #94a3b8;
}

/* ===========================
 INPUTS / SELECTS
=========================== */
.fq-field {
 margin-bottom: 20px;
}

.fq-label {
 display: block;
 font-size: 0.875rem;
 font-weight: 600;
 color: #374151;
 margin-bottom: 7px;
}

.fq-input,
.fq-select {
 width: 100%;
 padding: 14px 16px;
 border: 1.5px solid #e2e8f0;
 border-radius: 10px;
 font-size: 1rem;
 font-family: inherit;
 color: #1e293b;
 background: #fff;
 outline: none;
 transition: border-color 0.2s, box-shadow 0.2s;
 appearance: none;
}

.fq-input:focus,
.fq-select:focus {
 border-color: #2563eb;
 box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
}

.fq-input.error,
.fq-select.error {
 border-color: #ef4444;
}

.fq-select {
 background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='8'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%2394a3b8' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
 background-repeat: no-repeat;
 background-position: right 14px center;
 padding-right: 42px;
 cursor: pointer;
}

.fq-error-msg {
 font-size: 0.8rem;
 color: #ef4444;
 margin-top: 5px;
 display: none;
}

.fq-error-msg.show {
 display: block;
}

/* DOB row */
.fq-dob {
 display: grid;
 grid-template-columns: 1fr 1fr 1.4fr;
 gap: 12px;
}

/* ===========================
 PROFILE Q-GROUP (step 9/10)
=========================== */
.fq-qgroup {
 margin-bottom: 20px;
 padding: 18px 20px;
 background: #f8fafc;
 border: 1px solid #e2e8f0;
 border-radius: 10px;
}

.fq-qgroup-label {
 font-size: 0.9rem;
 font-weight: 600;
 color: #1e293b;
 margin-bottom: 12px;
}

.fq-toggle-row {
 display: flex;
 gap: 8px;
 flex-wrap: wrap;
}

.fq-toggle {
 position: relative;
}

.fq-toggle input[type="radio"] {
 position: absolute;
 opacity: 0;
 width: 0;
 height: 0;
}

.fq-toggle-label {
 display: flex;
 align-items: center;
 gap: 6px;
 padding: 8px 18px;
 border: 1.5px solid #e2e8f0;
 border-radius: 20px;
 cursor: pointer;
 font-size: 0.875rem;
 font-weight: 600;
 color: #475569;
 background: #fff;
 transition: all 0.15s;
 user-select: none;
}

.fq-toggle-label:hover {
 border-color: #93c5fd;
 color: #2563eb;
}

.fq-toggle input:checked+.fq-toggle-label {
 border-color: #2563eb;
 background: #2563eb;
 color: #fff;
}

/* ===========================
 NAVIGATION BUTTONS
=========================== */
.fq-actions {
 margin-top: 28px;
 display: flex;
 flex-direction: column;
 gap: 12px;
}

.fq-btn-continue {
 width: 100%;
 padding: 16px;
 background: #2563eb;
 color: #fff;
 border: none;
 border-radius: 10px;
 font-size: 1.05rem;
 font-weight: 700;
 cursor: pointer;
 font-family: inherit;
 transition: background 0.15s, transform 0.1s;
 display: flex;
 align-items: center;
 justify-content: center;
 gap: 8px;
}

.fq-btn-continue:hover {
 background: #1d4ed8;
}

.fq-btn-continue:active {
 transform: scale(0.99);
}

.fq-btn-back {
 background: none;
 border: none;
 cursor: pointer;
 font-family: inherit;
 font-size: 0.875rem;
 font-weight: 600;
 color: #64748b;
 padding: 4px 0;
 display: flex;
 align-items: center;
 gap: 4px;
 justify-content: center;
 transition: color 0.15s;
}

.fq-btn-back:hover {
 color: #2563eb;
}

/* ===========================
 CARD FOOTER / TRUST
=========================== */
.fq-card-foot {
 padding: 14px 36px 20px;
 border-top: 1px solid #f1f5f9;
 display: flex;
 align-items: center;
 justify-content: center;
 gap: 20px;
 flex-wrap: wrap;
}

.fq-foot-item {
 display: flex;
 align-items: center;
 gap: 5px;
 font-size: 0.78rem;
 color: #94a3b8;
 font-weight: 500;
}

/* ===========================
 SUCCESS SCREEN
=========================== */
.fq-success {
 text-align: center;
 padding: 16px 0 8px;
}

.fq-success-check {
 width: 80px;
 height: 80px;
 background: linear-gradient(135deg, #059669, #34d399);
 border-radius: 50%;
 display: flex;
 align-items: center;
 justify-content: center;
 margin: 0 auto 24px;
 box-shadow: 0 8px 24px rgba(5, 150, 105, 0.3);
}

.fq-success h2 {
 font-size: 1.6rem;
 font-weight: 800;
 color: #0f172a;
 margin-bottom: 10px;
 letter-spacing: -0.02em;
}

.fq-success p {
 font-size: 0.975rem;
 color: #64748b;
 line-height: 1.65;
 max-width: 440px;
 margin: 0 auto 24px;
}

.fq-ref {
 background: #f8fafc;
 border: 1px solid #e2e8f0;
 border-radius: 10px;
 padding: 14px 20px;
 display: flex;
 justify-content: space-between;
 align-items: center;
 margin-bottom: 24px;
}

.fq-ref span {
 font-size: 0.8rem;
 color: #64748b;
}

.fq-ref strong {
 font-size: 0.95rem;
 font-weight: 700;
 color: #0f172a;
}

.fq-btn-home {
 display: inline-flex;
 align-items: center;
 gap: 8px;
 padding: 14px 32px;
 background: #2563eb;
 color: #fff;
 border: none;
 border-radius: 10px;
 font-size: 1rem;
 font-weight: 700;
 cursor: pointer;
 font-family: inherit;
 transition: background 0.15s;
}

.fq-btn-home:hover {
 background: #1d4ed8;
}

/* Submit button (green) */
.fq-btn-submit {
 background: #059669;
}
.fq-btn-submit:hover {
 background: #047857;
}

/* ===========================
 PAGE-LEVEL TRUST STRIP
=========================== */
.fq-trust-strip {
 max-width: 640px;
 margin: 20px auto 0;
 display: flex;
 align-items: center;
 justify-content: center;
 gap: 24px;
 flex-wrap: wrap;
 padding: 0 20px;
}

.fq-trust-item {
 display: flex;
 align-items: center;
 gap: 6px;
 font-size: 0.78rem;
 color: #94a3b8;
 font-weight: 500;
}

/* ===========================
 RESPONSIVE
=========================== */
@media (max-width: 520px) {
 .fq-header {
 padding: 0 16px;
 gap: 12px;
 }

 .fq-logo {
 flex-shrink: 0;
 }

 .fq-logo-text {
 white-space: nowrap;
 font-size: 1rem;
 }

 .fq-header-trust {
 font-size: 0.72rem;
 line-height: 1.25;
 text-align: right;
 }

 .fq-card-body {
 padding: 24px 20px 20px;
 }

 .fq-card-foot {
 padding: 12px 20px 16px;
 gap: 12px;
 }

 .fq-q {
 font-size: 1.2rem;
 }

 .fq-dob {
 grid-template-columns: 1fr 1fr;
 }

 .fq-dob .fq-field:last-child {
 grid-column: span 2;
 }

 .fq-provider-dropdown {
 max-height: 250px;
 }

 .fq-provider-search-input {
 font-size: 0.85rem;
 padding: 6px 28px 6px 8px;
 }

 .fq-provider-dropdown-item {
 padding: 7px 10px;
 font-size: 0.85rem;
 }

 .fq-provider-grid {
 grid-template-columns: 1fr;
 }
}