/* =========================================================
   COVERCOMPASS — MAIN STYLESHEET
   Design system: Navy / Teal / Gold on soft paper background
   Fonts: Fraunces (display) + Manrope (body/UI)
   ========================================================= */

:root{
  /* Color tokens — Brand: White + #0073e6 */
  --navy-900:#003d80;
  --navy-800:#0055b3;
  --navy-700:#0062cc;
  --navy-600:#0073e6;
  --teal-500:#0073e6;
  --teal-600:#005bbf;
  --teal-100:#e6f0ff;
  --gold-500:#0073e6;
  --gold-600:#005bbf;
  --bg-soft:#F5F8FA;
  --bg-paper:#FBFAF7;
  --surface:#FFFFFF;
  --text-900:#0a1628;
  --text-700:#1a2e4a;
  --text-600:#4C5C6B;
  --text-400:#7C8B98;
  --border:#dde8f5;
  --success:#1a7a45;
  --danger:#C0392B;

  /* Type */
  --font-display:'Poppins', 'Roboto', sans-serif;
  --font-body:'Roboto', 'Poppins', -apple-system, sans-serif;

  /* Layout */
  --max-width:1200px;
  --radius-sm:8px;
  --radius-md:14px;
  --radius-lg:24px;
  --shadow-sm:0 2px 8px rgba(10,42,67,0.06);
  --shadow-md:0 8px 24px rgba(10,42,67,0.10);
  --shadow-lg:0 18px 48px rgba(10,42,67,0.16);
  --transition:0.25s cubic-bezier(.4,0,.2,1);
}

/* =========== RESET =========== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:var(--font-body);
  color:var(--text-700);
  background:var(--bg-soft);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
input,select,textarea{font-family:inherit;font-size:1rem;}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-900);line-height:1.15;font-weight:600;}
.container{max-width:var(--max-width);margin:0 auto;padding:0 24px;}
section{padding:88px 0;}
@media(max-width:768px){section{padding:56px 0;}}

:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important;}
}

/* =========== UTILITIES =========== */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:0.78rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--teal-600);margin-bottom:14px;
}
.eyebrow::before{content:'';width:22px;height:2px;background:var(--teal-500);display:inline-block;}
.section-head{max-width:640px;margin-bottom:48px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head h2{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:14px;}
.section-head p{color:var(--text-600);font-size:1.05rem;}
.text-muted{color:var(--text-600);}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;}
.skip-link{position:absolute;top:-48px;left:12px;background:var(--navy-900);color:#fff;padding:10px 18px;border-radius:8px;z-index:999;transition:top .2s;}
.skip-link:focus{top:12px;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;border-radius:999px;font-weight:700;font-size:0.98rem;
  transition:transform var(--transition),box-shadow var(--transition),background var(--transition);
  white-space:nowrap;
}
.btn-primary{background:var(--teal-500);color:#fff;box-shadow:var(--shadow-sm);}
.btn-primary:hover{background:var(--teal-600);transform:translateY(-2px);box-shadow:var(--shadow-md);}
.btn-outline{border:2px solid var(--surface);color:var(--surface);}
.btn-outline:hover{background:rgba(255,255,255,0.12);transform:translateY(-2px);}
.btn-navy{background:#0174e6;color:#fff;}
.btn-navy:hover{background:#0062cc;transform:translateY(-2px);box-shadow:var(--shadow-md);}
.btn-block{width:100%;}
.btn[disabled]{opacity:0.6;cursor:not-allowed;transform:none !important;}

/* =========== HEADER =========== */
#site-header{position:static;z-index:500;}
.header-bar{position:relative;z-index:500;}
.header-bar{
  background:#ffffff;
  border-bottom:1px solid var(--border);
  transition:box-shadow var(--transition);
}
.header-bar.scrolled{box-shadow:var(--shadow-sm);}
.header-inner{
  max-width:var(--max-width);margin:0 auto;padding:14px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:1.3rem;color:var(--navy-900);}
.brand svg{flex-shrink:0;}
.brand .brand-accent{color:var(--teal-600);}
.brand-logo{height:62px;width:auto;display:block;}
.footer-grid .brand-logo{height:70px;}

.main-nav{display:flex;align-items:center;gap:2px;}
.main-nav a{
  padding:10px 14px;border-radius:8px;font-weight:600;font-size:0.94rem;color:var(--text-700);
  transition:background var(--transition),color var(--transition);
}
.main-nav a:hover,.main-nav a.active{background:var(--teal-100);color:var(--teal-600);}
.main-nav .dropdown{position:relative;}
.main-nav .dropdown-menu{
  position:absolute;top:calc(100% + 8px);left:0;background:var(--surface);
  border:1px solid var(--border);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);
  min-width:220px;padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);
  transition:all var(--transition);z-index:9999;
}
.main-nav .dropdown:hover .dropdown-menu,.main-nav .dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);}
.main-nav .dropdown-menu a{display:block;border-radius:6px;padding:10px 14px;font-weight:600;font-size:0.94rem;color:var(--text-700);transition:background var(--transition),color var(--transition);}
.main-nav .dropdown-menu a:hover{background:var(--teal-100);color:var(--teal-600);}

.header-cta{display:flex;align-items:center;gap:12px;}
.nav-toggle{display:none;width:44px;height:44px;border-radius:8px;align-items:center;justify-content:center;}
.nav-toggle span,.nav-toggle::before,.nav-toggle::after{content:'';display:block;width:22px;height:2px;background:var(--navy-900);transition:var(--transition);}
.nav-toggle{flex-direction:column;gap:5px;}

@media(max-width:960px){
  .main-nav{
    position:fixed;inset:0 0 0 auto;width:min(320px,86vw);height:100vh;background:var(--surface);
    flex-direction:column;align-items:stretch;padding:90px 20px 20px;gap:4px;
    transform:translateX(100%);transition:transform var(--transition);box-shadow:var(--shadow-lg);
  }
  .main-nav.open{transform:translateX(0);}
  .main-nav .dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;display:none;padding-left:12px;}
  .main-nav .dropdown.open .dropdown-menu{display:block;}
  .nav-toggle{display:flex;}
  .header-cta .btn-navy{display:none;}
}
.nav-backdrop{position:fixed;inset:0;background:rgba(10,42,67,0.4);opacity:0;visibility:hidden;transition:var(--transition);z-index:400;}
.nav-backdrop.open{opacity:1;visibility:visible;}

/* =========== HERO =========== */
.hero{
  position:relative;overflow:hidden;
  background:radial-gradient(120% 140% at 20% 0%,#0062cc 0%,#003d80 55%,#002255 100%);
  color:#fff;padding:40px 0 80px;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle at 85% 20%,rgba(27,138,138,0.28),transparent 45%),
                    radial-gradient(circle at 8% 85%,rgba(27,138,138,0.18),transparent 50%);
  pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:44px;align-items:start;position:relative;}
.hero-copy .eyebrow{color:var(--gold-500);}
.hero-copy .eyebrow::before{background:var(--gold-500);}
.hero h1{font-size:clamp(2.1rem,4.3vw,3.4rem);color:#fff;margin-bottom:18px;}
.hero h1 em{font-style:normal;color:var(--teal-100);}
.hero p.lead{font-size:1.12rem;color:rgba(255,255,255,0.82);max-width:520px;margin-bottom:30px;}
.hero-cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:38px;}
.hero-trust{display:flex;gap:28px;flex-wrap:wrap;}
.hero-trust .stat b{font-family:var(--font-display);font-size:1.5rem;color:#fff;display:block;}
.hero-trust .stat span{font-size:0.82rem;color:rgba(255,255,255,0.65);}

/* Compass signature graphic */
.compass-wrap{display:flex;align-items:center;justify-content:center;position:relative;}
.compass{width:min(360px,80vw);height:min(360px,80vw);position:relative;}
.compass .ring{position:absolute;inset:0;border-radius:50%;border:1.5px dashed rgba(255,255,255,0.25);}
.compass .ring-2{inset:34px;border:1px solid rgba(216,169,61,0.35);}
.compass .needle{
  position:absolute;top:50%;left:50%;width:6px;height:42%;background:linear-gradient(var(--gold-500),transparent);
  transform-origin:bottom center;transform:translate(-50%,-100%) rotate(38deg);
  animation:needleSpin 7s ease-in-out infinite;border-radius:6px;
}
@keyframes needleSpin{
  0%,100%{transform:translate(-50%,-100%) rotate(38deg);}
  50%{transform:translate(-50%,-100%) rotate(-24deg);}
}
.compass .hub{position:absolute;top:50%;left:50%;width:16px;height:16px;background:var(--gold-500);border-radius:50%;transform:translate(-50%,-50%);box-shadow:0 0 0 6px rgba(216,169,61,0.18);}
.compass .node{position:absolute;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.18);backdrop-filter:blur(6px);border-radius:14px;padding:10px 14px;font-size:0.8rem;font-weight:700;color:#fff;display:flex;align-items:center;gap:8px;}
.compass .node.n1{top:2%;left:50%;transform:translateX(-50%);}
.compass .node.n2{top:50%;right:-6%;transform:translateY(-50%);}
.compass .node.n3{bottom:2%;left:50%;transform:translateX(-50%);}
.compass .node.n4{top:50%;left:-6%;transform:translateY(-50%);}

.hero-form-card{
  background:var(--surface);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow-lg);
  color:var(--text-700);position:relative;z-index:2;
}
.hero-form-card h3{margin-bottom:4px;font-size:1.25rem;}
.hero-form-card p.form-sub{color:var(--text-600);font-size:0.9rem;margin-bottom:20px;}

/* Wave divider */
.wave-divider{display:block;width:100%;height:auto;margin-top:-2px;}

/* =========== LEAD FORM =========== */
.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.lead-form .full{grid-column:1/-1;}
.field{display:flex;flex-direction:column;gap:6px;}
.field label{font-size:0.82rem;font-weight:700;color:var(--text-700);}
.field input,.field select{
  padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;background:var(--bg-paper);
  transition:border-color var(--transition),box-shadow var(--transition);
}
.field input:focus,.field select:focus{border-color:var(--teal-500);box-shadow:0 0 0 4px var(--teal-100);outline:none;}
.field.error input,.field.error select{border-color:var(--danger);}
.field .error-msg{font-size:0.76rem;color:var(--danger);min-height:14px;}
.form-status{margin-top:12px;font-size:0.9rem;font-weight:600;border-radius:8px;padding:10px 12px;display:none;}
.form-status.show{display:block;}
.form-status.success{background:#E7F5EE;color:var(--success);}
.form-status.error{background:#FBEAE8;color:var(--danger);}
.form-note{font-size:0.74rem;color:var(--text-400);margin-top:14px;}

/* =========== BRAND STRIP =========== */
.brand-strip{background:var(--surface);padding:44px 0;border-bottom:1px solid var(--border);}
.brand-strip .label{text-align:center;font-size:0.82rem;letter-spacing:0.1em;text-transform:uppercase;color:var(--text-400);font-weight:700;margin-bottom:26px;}
.brand-row{display:flex;flex-wrap:wrap;gap:18px;justify-content:center;align-items:center;}
.brand-pill{
  display:flex;align-items:center;gap:10px;padding:12px 20px;border:1.5px solid var(--border);border-radius:12px;
  font-family:var(--font-display);font-weight:700;color:var(--navy-800);font-size:0.98rem;background:var(--bg-paper);
  transition:var(--transition);
}
.brand-pill:hover{border-color:var(--teal-500);transform:translateY(-2px);box-shadow:var(--shadow-sm);}
.brand-pill .dot{width:8px;height:8px;border-radius:50%;background:var(--gold-500);}
/* Logo variant */
.brand-pill-logo{padding:10px 18px;min-width:130px;justify-content:center;}
.brand-pill-logo img{height:36px;width:auto;max-width:130px;object-fit:contain;display:block;}
.brand-text-pill{font-family:var(--font-display);font-weight:800;font-size:0.95rem;color:var(--navy-900);white-space:nowrap;}

/* =========== CARDS GRID (Why choose us / benefits) =========== */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){.grid-3,.grid-4,.grid-2,.hero-grid{grid-template-columns:1fr;}}

.feature-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:30px;
  transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);
}
.feature-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent;}
.feature-icon{
  width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--navy-800),var(--teal-600));color:#fff;
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.feature-card h3{font-size:1.12rem;margin-bottom:10px;}
.feature-card p{color:var(--text-600);font-size:0.95rem;}

/* =========== HOW IT WORKS =========== */
.steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
@media(max-width:900px){.steps-row{grid-template-columns:repeat(2,1fr);gap:30px;}}
@media(max-width:560px){.steps-row{grid-template-columns:1fr;}}
.step{position:relative;padding:0 22px;text-align:left;}
.step .step-num{
  font-family:var(--font-display);font-size:2.4rem;color:var(--gold-500);opacity:0.9;line-height:1;margin-bottom:14px;display:block;
}
.step h3{font-size:1.05rem;margin-bottom:8px;}
.step p{font-size:0.92rem;color:var(--text-600);}
.step::after{
  content:'';position:absolute;top:20px;right:-4px;width:32px;height:1px;background:var(--border);
}
.steps-row .step:last-child::after,.steps-row .step:nth-child(2n)::after{display:none;}
@media(min-width:901px){.steps-row .step:nth-child(2n)::after{display:block;}.steps-row .step:last-child::after{display:none;}}

/* =========== CATEGORY CARDS =========== */
.category-card{
  background:var(--surface);border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--border);
  transition:transform var(--transition),box-shadow var(--transition);display:flex;flex-direction:column;
}
.category-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);}
.category-media{height:120px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.category-media svg{width:52px;height:52px;position:relative;z-index:1;}
.category-media.health{background:linear-gradient(135deg,#0073e6,#0055b3);}
.category-media.auto{background:linear-gradient(135deg,#003d80,#002255);}
.category-media.home{background:linear-gradient(135deg,#0073e6,#0062cc);}
.category-media.life{background:linear-gradient(135deg,#0055b3,#003d80);}
.category-body{padding:18px 20px;display:flex;flex-direction:column;gap:10px;flex:1;}
.category-body h3{font-size:1.05rem;color:var(--navy-900);}
.category-body p{color:var(--text-600);font-size:0.88rem;flex:1;line-height:1.55;}
.category-body .btn{align-self:flex-start;padding:8px 18px;font-size:0.83rem;}
.tag-row{display:flex;gap:8px;flex-wrap:wrap;}
.tag{font-size:0.72rem;font-weight:700;background:var(--teal-100);color:var(--teal-600);padding:4px 10px;border-radius:999px;}
/* Read More button */
.cat-read-more{
  display:inline-flex;align-items:center;gap:6px;align-self:flex-start;
  font-size:0.85rem;font-weight:700;color:var(--teal-600);
  padding:8px 18px;border-radius:999px;border:1.5px solid var(--teal-500);
  transition:background var(--transition),color var(--transition);
}
.cat-read-more span{display:inline-block;transition:transform var(--transition);}
.cat-read-more:hover{background:var(--teal-500);color:#fff;}
.cat-read-more:hover span{transform:translateX(4px);}

/* =========== BENEFITS SPLIT =========== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
@media(max-width:900px){.split{grid-template-columns:1fr;}}
.check-list li{display:flex;gap:12px;padding:12px 0;border-bottom:1px dashed var(--border);}
.check-list li:last-child{border:none;}
.check-list .check-icon{width:24px;height:24px;border-radius:50%;background:var(--teal-500);color:#fff;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:0.76rem;font-weight:800;}
.check-list h4{font-size:1rem;margin-bottom:3px;}
.check-list p{font-size:0.88rem;color:var(--text-600);}
.stat-card-panel{background:#003d80;border-radius:var(--radius-lg);padding:36px;color:#fff;}
.stat-card-panel .grid-2{gap:24px;}
.stat-card-panel .stat b{font-family:var(--font-display);font-size:2rem;color:var(--gold-500);display:block;}
.stat-card-panel .stat span{font-size:0.85rem;color:rgba(255,255,255,0.7);}

/* =========== TESTIMONIALS =========== */
.testimonial-track-wrap{overflow:hidden;position:relative;}
.testimonial-track{display:flex;gap:24px;transition:transform 0.5s ease;}
.testimonial-card{
  min-width:100%;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:32px;display:flex;flex-direction:column;gap:16px;
}
@media(min-width:820px){.testimonial-card{min-width:calc(33.333% - 16px);}}
.testimonial-stars{color:#ffc107;letter-spacing:2px;}
.testimonial-card p.quote{font-size:0.98rem;color:var(--text-700);}
.testimonial-person{display:flex;align-items:center;gap:12px;margin-top:auto;}
.avatar-circle{width:44px;height:44px;border-radius:50%;background:var(--navy-800);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:var(--font-display);}
.testimonial-person b{display:block;font-size:0.92rem;color:var(--navy-900);}
.testimonial-person span{font-size:0.78rem;color:var(--text-400);}
.testimonial-controls{display:flex;justify-content:center;gap:10px;margin-top:28px;}
.testimonial-controls button{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--border);display:flex;align-items:center;justify-content:center;transition:var(--transition);}
.testimonial-controls button:hover{background:var(--navy-900);color:#fff;border-color:var(--navy-900);}

.trust-rating{
  display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;
  background:linear-gradient(135deg,#003d80,#0073e6);border-radius:var(--radius-lg);padding:26px 32px;margin-top:40px;text-align:center;
}
.trust-rating .stars{color:#FFD700;font-size:1.6rem;letter-spacing:3px;}
.trust-rating b{font-family:var(--font-display);font-size:1.4rem;color:#fff;}
.trust-rating span{color:rgba(255,255,255,0.8);}
/* =========== STATS COUNTER =========== */
.stats-band{background:#003d80;color:#fff;}
.stats-band .grid-4{text-align:center;}
.stats-band .stat-num{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.8rem);color:var(--gold-500);}
.stats-band .stat-label{font-size:0.88rem;color:rgba(255,255,255,0.72);margin-top:6px;}

/* =========== BLOG CARDS =========== */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
@media(max-width:960px){.blog-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){.blog-grid{grid-template-columns:1fr;}}
.blog-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:var(--transition);display:flex;flex-direction:column;}
.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);}
.blog-thumb{height:170px;background:linear-gradient(135deg,#0073e6,#003d80);position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden;}
.blog-thumb svg{width:46px;height:46px;opacity:0.9;}
.blog-thumb img{width:100%;height:100%;object-fit:cover;display:block;}
.blog-card-body{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1;}
.blog-meta{font-size:0.76rem;color:var(--text-400);text-transform:uppercase;letter-spacing:0.06em;font-weight:700;}
.blog-card-body h3{font-size:1.08rem;}
.blog-card-body h3 a:hover{color:var(--teal-600);}
.blog-card-body p{color:var(--text-600);font-size:0.9rem;flex:1;}
.read-more{font-weight:700;color:var(--teal-600);font-size:0.88rem;display:inline-flex;align-items:center;gap:6px;}
.read-more:hover{gap:10px;}

/* =========== FAQ =========== */
.faq-list{max-width:820px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--border);}
.faq-question{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;
  padding:22px 4px;text-align:left;font-weight:700;color:var(--navy-900);font-size:1.02rem;
}
.faq-question .plus{width:26px;height:26px;border-radius:50%;border:1.5px solid var(--border);flex-shrink:0;position:relative;transition:var(--transition);}
.faq-question .plus::before,.faq-question .plus::after{content:'';position:absolute;background:var(--navy-900);top:50%;left:50%;transform:translate(-50%,-50%);}
.faq-question .plus::before{width:10px;height:2px;}
.faq-question .plus::after{width:2px;height:10px;transition:var(--transition);}
.faq-item.open .plus::after{transform:translate(-50%,-50%) rotate(90deg) scaleY(0);}
.faq-item.open .plus{background:var(--navy-900);}
.faq-item.open .plus::before,.faq-item.open .plus::after{background:#fff;}
.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.35s ease;}
.faq-answer p{padding:0 4px 22px;color:var(--text-600);font-size:0.95rem;}

/* =========== FINAL CTA =========== */
.final-cta{
  background:linear-gradient(120deg,#003d80,#0073e6);color:#fff;border-radius:var(--radius-lg);
  padding:56px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;
  margin:0 24px;max-width:calc(var(--max-width) - 48px);margin-inline:auto;
}
.final-cta h2{color:#fff;font-size:clamp(1.5rem,2.6vw,2.1rem);}
.final-cta p{color:rgba(255,255,255,0.78);margin-top:8px;}

/* =========== FOOTER =========== */
#site-footer{background:#002255;color:rgba(255,255,255,0.75);padding-top:70px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,0.1);}
@media(max-width:860px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr;}}
.footer-grid .brand{color:#fff;}
.footer-about p{font-size:0.9rem;margin:16px 0 20px;max-width:280px;}
.footer-col h4{color:#fff;font-size:0.92rem;margin-bottom:16px;letter-spacing:0.03em;}
.footer-col ul li{margin-bottom:10px;}
.footer-col a{font-size:0.9rem;transition:var(--transition);}
.footer-col a:hover{color:var(--gold-500);padding-left:3px;}
.social-row{display:flex;gap:10px;margin-top:20px;}
.social-row a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,0.2);display:flex;align-items:center;justify-content:center;transition:var(--transition);}
.social-row a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900);}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding:22px 0;font-size:0.82rem;}
.footer-bottom .legal-links{display:flex;gap:18px;flex-wrap:wrap;}

/* =========== GENERIC PAGE HERO (inner pages) =========== */
.page-hero{
  background:linear-gradient(120deg,#003d80 0%,#0073e6 100%);color:#fff;padding:64px 0 54px;position:relative;overflow:hidden;
}
.page-hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle at 90% 10%,rgba(255,255,255,0.08),transparent 45%);}
.breadcrumb{font-size:0.84rem;color:rgba(255,255,255,0.65);margin-bottom:14px;}
.breadcrumb a{color:rgba(255,255,255,0.9);text-decoration:underline;text-decoration-color:rgba(255,255,255,0.35);text-underline-offset:3px;transition:color var(--transition);}
.breadcrumb a:hover{color:var(--gold-500);text-decoration-color:var(--gold-500);}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem);max-width:760px;}
.page-hero p{color:rgba(255,255,255,0.78);max-width:640px;margin-top:12px;}

/* Content pages (about/privacy/etc) */
.prose{max-width:800px;margin:0 auto;}
.prose h2{margin-top:38px;margin-bottom:14px;font-size:1.4rem;}
.prose h3{margin-top:24px;margin-bottom:10px;font-size:1.1rem;}
.prose p{margin-bottom:14px;color:var(--text-700);}
.prose ul{margin:0 0 16px 22px;list-style:disc;color:var(--text-700);}
.prose ul li{margin-bottom:8px;}
.prose .updated{color:var(--text-400);font-size:0.86rem;margin-bottom:30px;}

/* Contact page */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr;}}
.contact-info-card{background:var(--navy-900);color:#fff;border-radius:var(--radius-lg);padding:36px;}
.contact-info-card h3{color:#fff;margin-bottom:18px;}
.contact-row{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px;}
.contact-row .icon{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,0.1);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.contact-row b{display:block;font-size:0.94rem;}
.contact-row span{font-size:0.86rem;color:rgba(255,255,255,0.7);}
.form-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;}

/* Category page specifics */
.plan-table-wrap{overflow-x:auto;}
table.compare-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-sm);min-width:640px;}
table.compare-table th,table.compare-table td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--border);font-size:0.92rem;}
table.compare-table th{background:var(--navy-900);color:#fff;font-family:var(--font-display);font-weight:600;}
table.compare-table tr:last-child td{border-bottom:none;}
table.compare-table td.yes{color:var(--success);font-weight:700;}

.pill-list{display:flex;flex-wrap:wrap;gap:10px;}
.pill-list .pill{background:var(--teal-100);color:var(--teal-600);padding:8px 16px;border-radius:999px;font-size:0.86rem;font-weight:700;}

/* 404 page */
.error-page{min-height:60vh;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:80px 24px;}
.error-page .code{font-family:var(--font-display);font-size:clamp(4rem,14vw,8rem);color:var(--navy-900);line-height:1;}
.error-page .compass{margin:20px auto;}

/* Blog post page */
.post-header{max-width:820px;margin:0 auto;text-align:center;}
.post-header .blog-meta{justify-content:center;display:flex;gap:14px;}
.post-hero-media{height:280px;border-radius:var(--radius-lg);margin:34px auto;max-width:900px;background:linear-gradient(135deg,#0073e6,#003d80);display:flex;align-items:center;justify-content:center;overflow:hidden;}
.post-hero-media svg{width:80px;height:80px;opacity:0.9;}
.post-hero-media img{width:100%;height:100%;object-fit:cover;display:block;}
.post-body{max-width:760px;margin:0 auto;}
.post-body h2{margin-top:36px;}
.toc-card{background:var(--teal-100);border-radius:var(--radius-md);padding:22px 26px;margin:24px 0 34px;}
.toc-card h4{font-size:0.9rem;text-transform:uppercase;letter-spacing:0.05em;color:var(--teal-600);margin-bottom:10px;}
.toc-card ol{margin-left:18px;color:var(--navy-900);font-size:0.92rem;}
.toc-card ol li{margin-bottom:6px;}
.author-box{display:flex;gap:16px;align-items:center;background:var(--bg-paper);border:1px solid var(--border);border-radius:var(--radius-md);padding:22px;margin:40px auto;max-width:760px;}
.related-posts{max-width:900px;margin:0 auto;}
.internal-link-box{background:var(--teal-100);border-left:4px solid var(--teal-500);padding:16px 20px;border-radius:8px;margin:20px 0;font-size:0.94rem;}

/* Back to top */
#back-to-top{
  position:fixed;bottom:26px;right:26px;width:48px;height:48px;border-radius:50%;background:var(--navy-900);color:#fff;
  display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transform:translateY(10px);
  transition:var(--transition);z-index:300;
}
#back-to-top.show{opacity:1;visibility:visible;transform:translateY(0);}
#back-to-top:hover{background:var(--teal-600);}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease;}
.reveal.in-view{opacity:1;transform:translateY(0);}

/* =========== COMPARE PLANS PREVIEW =========== */
.compare-preview{display:flex;flex-direction:column;gap:16px;}
.compare-plan-card{
  position:relative;background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius-md);
  padding:22px 24px;transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);
}
.compare-plan-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:transparent;}
.compare-plan-card.recommended{border-color:var(--gold-500);box-shadow:0 6px 20px rgba(216,169,61,0.16);}
.recommended-ribbon{
  position:absolute;top:-12px;right:20px;background:var(--gold-500);color:var(--navy-900);
  font-size:0.72rem;font-weight:800;letter-spacing:0.03em;padding:5px 14px;border-radius:999px;
  box-shadow:var(--shadow-sm);
}
.plan-card-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;flex-wrap:wrap;}
.plan-badge{
  font-size:0.76rem;font-weight:800;letter-spacing:0.03em;text-transform:uppercase;
  color:var(--teal-600);background:var(--teal-100);padding:5px 12px;border-radius:999px;
}
.plan-price{font-family:var(--font-display);font-weight:700;color:var(--navy-900);font-size:1.05rem;}
.plan-price span{font-family:var(--font-body);font-weight:600;font-size:0.78rem;color:var(--text-400);}
.compare-plan-card h4{font-size:1.08rem;margin-bottom:6px;}
.plan-sum{font-size:0.86rem;color:var(--text-600);margin-bottom:12px;}
.plan-features{margin-bottom:14px;}
.plan-features li{
  font-size:0.86rem;color:var(--text-700);padding-left:22px;position:relative;margin-bottom:7px;
}
.plan-features li::before{
  content:'✓';position:absolute;left:0;top:0;color:var(--success);font-weight:800;font-size:0.82rem;
}
.compare-disclaimer{font-size:0.76rem;color:var(--text-400);margin-top:4px;line-height:1.5;}

/* =========== RESULTS PAGE =========== */
.results-grid{display:grid;grid-template-columns:280px 1fr;gap:32px;align-items:start;}
@media(max-width:900px){.results-grid{grid-template-columns:1fr;}}

/* Profile card */
.profile-card{background:#003d80;color:#fff;border-radius:var(--radius-lg);padding:28px;position:sticky;top:24px;}
.profile-card h3{color:#fff;margin-bottom:18px;font-size:1.05rem;display:flex;align-items:center;gap:8px;}
.profile-card h3::before{content:"👤";font-size:1.1rem;}
.profile-row{display:flex;flex-direction:column;gap:3px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,0.1);}
.profile-row:last-of-type{border-bottom:none;}
.profile-label{font-size:0.7rem;text-transform:uppercase;letter-spacing:0.06em;color:rgba(255,255,255,0.5);font-weight:700;}
.profile-value{font-size:0.95rem;font-weight:600;color:#fff;word-break:break-word;}
.profile-edit-btn{width:100%;margin-top:18px;border:1.5px solid rgba(255,255,255,0.4);color:#fff;border-radius:999px;padding:11px;text-align:center;font-weight:700;font-size:0.88rem;transition:var(--transition);cursor:pointer;background:transparent;}
.profile-edit-btn:hover{background:rgba(255,255,255,0.12);}

/* Inline profile edit form */
.profile-edit-form{display:flex;flex-direction:column;gap:12px;margin-top:4px;}
.edit-field{display:flex;flex-direction:column;gap:4px;}
.edit-field label{font-size:0.7rem;text-transform:uppercase;letter-spacing:0.06em;color:rgba(255,255,255,0.55);font-weight:700;}
.edit-field input,.edit-field select{background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.25);border-radius:8px;color:#fff;padding:9px 12px;font-size:0.88rem;font-family:inherit;transition:border-color var(--transition),background var(--transition);}
.edit-field input:focus,.edit-field select:focus{outline:none;border-color:var(--teal-500);background:rgba(255,255,255,0.16);}
.edit-field input::placeholder{color:rgba(255,255,255,0.35);}
.edit-field select option{background:var(--navy-900);color:#fff;}
.profile-edit-actions{display:flex;gap:10px;margin-top:6px;}

/* sub-tabs for auto */
.sub-tab-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px;}
.sub-tab-btn{padding:10px 22px;border-radius:999px;font-weight:700;font-size:0.9rem;color:var(--text-700);background:var(--bg-paper);border:1.5px solid var(--border);cursor:pointer;transition:var(--transition);}
.sub-tab-btn.active,.sub-tab-btn:hover{background:var(--navy-900);color:#fff;border-color:var(--navy-900);}

/* Partners grid — full width stacked cards */
#partners-grid{display:flex;flex-direction:column;gap:18px;}

/* Individual result card */
.rc-card{
  background:#fff;border:1.5px solid #e8edf2;border-radius:16px;padding:24px;position:relative;
  transition:box-shadow var(--transition),transform var(--transition);overflow:hidden;
}
.rc-card:hover{box-shadow:0 8px 32px rgba(10,42,67,0.12);transform:translateY(-2px);}

/* Badge */
.rc-badge{
  position:absolute;top:0;right:0;padding:6px 16px;border-radius:0 14px 0 12px;
  font-size:0.72rem;font-weight:800;letter-spacing:0.04em;color:#fff;text-transform:uppercase;
}
/* Card head */
.rc-card-head{display:flex;align-items:center;gap:18px;margin-bottom:20px;padding-bottom:18px;border-bottom:1px solid #f0f2f5;}
.rc-logo-wrap{flex-shrink:0;width:160px;height:52px;display:flex;align-items:center;}
.rc-logo-img{max-width:160px;max-height:52px;object-fit:contain;width:auto;height:auto;display:block;}
.rc-logo-fallback{display:none;align-items:center;justify-content:center;width:160px;height:44px;border-radius:8px;padding:0 12px;font-family:var(--font-display);font-weight:700;font-size:0.82rem;color:#fff;text-align:center;line-height:1.2;}
.rc-card-title h4{font-size:1.02rem;color:var(--navy-900);margin-bottom:3px;}
.rc-card-title p{font-size:0.83rem;color:var(--text-400);font-weight:600;}

/* Highlights row */
.rc-highlights{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:18px;}
@media(max-width:700px){.rc-highlights{grid-template-columns:repeat(2,1fr);}}
.rc-highlight{display:flex;align-items:flex-start;gap:10px;background:#f7f9fc;border-radius:10px;padding:12px 10px;}
.rc-hi-icon{font-size:1.3rem;line-height:1;flex-shrink:0;}
.rc-hi-label{display:block;font-size:0.7rem;color:var(--text-400);font-weight:700;text-transform:uppercase;letter-spacing:0.04em;margin-bottom:2px;}
.rc-hi-value{display:block;font-size:0.92rem;font-weight:800;color:var(--navy-900);}

/* Feature tags */
.rc-tags{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px;}
.rc-tag{font-size:0.78rem;font-weight:700;color:#2E7D5B;background:#E7F5EE;padding:5px 12px;border-radius:999px;}

/* Card footer */
.rc-card-footer{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding-top:16px;border-top:1px solid #f0f2f5;}
.rc-btn{padding:12px 28px;font-size:0.9rem;border-radius:999px;}
.rc-advisor-link{font-size:0.85rem;font-weight:700;color:var(--teal-600);text-decoration:underline;text-underline-offset:3px;}
.rc-advisor-link:hover{color:var(--navy-900);}

/* Alt background section */
.section-alt{background:var(--surface);}

/* =========== FEATURE IMAGE TILE (Why Choose Us 4th column) =========== */
.feature-card-image{
  display:block;padding:0;overflow:hidden;position:relative;min-height:220px;
}
.feature-card-image img{
  width:100%;height:100%;min-height:220px;object-fit:cover;position:absolute;inset:0;
  transition:transform var(--transition);
}
.feature-card-image:hover img{transform:scale(1.06);}

/* =========== INSURANCE CATEGORIES SPLIT LAYOUT =========== */
.categories-split{display:grid;grid-template-columns:1fr 320px;gap:24px;align-items:start;}
@media(max-width:960px){.categories-split{grid-template-columns:1fr;}}
.categories-promo-image{
  display:block;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md);
  position:sticky;top:24px;transition:transform var(--transition),box-shadow var(--transition);
}
.categories-promo-image:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.categories-promo-image img{width:100%;height:auto;max-height:520px;object-fit:cover;object-position:top center;display:block;}

/* =========== PARTNER PROMO BANNER =========== */
.featured-partner-card{
  display:grid;grid-template-columns:1fr auto;gap:0;align-items:stretch;
  background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius-lg);
  overflow:hidden;box-shadow:var(--shadow-sm);transition:box-shadow var(--transition);
}
.featured-partner-card:hover{box-shadow:var(--shadow-md);}
.fp-text{padding:28px 32px;display:flex;flex-direction:column;justify-content:center;}
.fp-image{display:block;width:220px;flex-shrink:0;overflow:hidden;}
.fp-image img{width:100%;height:100%;object-fit:cover;object-position:top center;display:block;transition:transform var(--transition);}
.fp-image:hover img{transform:scale(1.04);}
@media(max-width:640px){
  .featured-partner-card{grid-template-columns:1fr;}
  .fp-image{width:100%;height:160px;}
}

/* Hero form card sits inside hero-grid now (no longer overlapping section) */
.hero .hero-form-card{position:relative;z-index:2;}

/* Skeleton for lazy image blocks (in case real photos are added later) */
img[loading="lazy"]{background:var(--border);}

/* =========== HERO BADGES & STAR RATING =========== */
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin:16px 0 20px;}
.hero-badge{background:rgba(255,255,255,0.15);border:1px solid rgba(255,255,255,0.35);color:#fff;padding:6px 14px;border-radius:999px;font-size:0.82rem;font-weight:700;backdrop-filter:blur(4px);}
.hero-star-rating{margin-top:14px;font-size:0.9rem;color:rgba(255,255,255,0.85);}
.hero-star-rating strong{color:#fff;font-weight:800;}

/* =========== TABBED FORM =========== */
.form-tabs{display:flex;gap:0;margin-bottom:18px;background:#f0f4f9;border-radius:10px;padding:4px;}
.form-tab{flex:1;padding:10px 4px;border-radius:8px;font-weight:700;font-size:0.88rem;color:#4C5C6B;background:transparent;border:none;cursor:pointer;transition:background .2s,color .2s;}
.form-tab.active{background:#0073e6;color:#fff;box-shadow:0 2px 8px rgba(0,115,230,0.25);}
.form-tab:hover:not(.active){background:rgba(0,115,230,0.1);color:#0073e6;}
.tab-form{display:none;}
.tab-form.active{display:block;}

/* =========== EXPANDED BRAND STRIP =========== */
.brand-categories{display:flex;flex-direction:column;gap:20px;}
.brand-cat-group{border-bottom:1px solid var(--border);padding-bottom:18px;}
.brand-cat-group:last-child{border-bottom:none;padding-bottom:0;}
.brand-cat-label{display:block;font-size:0.76rem;font-weight:800;text-transform:uppercase;letter-spacing:0.08em;color:#0073e6;margin-bottom:12px;}
.brand-row-inner{display:flex;flex-wrap:wrap;gap:12px;align-items:center;}

/* =========== HOW-IT-WORKS (new 3-step style) =========== */
.how-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;position:relative;margin-top:16px;}
@media(max-width:768px){.how-steps{grid-template-columns:1fr;gap:28px;}}
.how-step{display:flex;flex-direction:column;align-items:center;text-align:center;gap:14px;position:relative;}
.how-icon-wrap{width:72px;height:72px;border-radius:20px;display:flex;align-items:center;justify-content:center;flex-shrink:0;position:relative;z-index:1;}
.how-line{position:absolute;top:36px;left:calc(50% + 40px);right:calc(-50% + 40px);height:1.5px;background:#dde8f5;z-index:0;}
.how-line-last{display:none;}
@media(max-width:768px){.how-line{display:none;}}
.how-step h4{font-size:1.05rem;font-weight:700;color:#003d80;}
.how-step p{font-size:0.88rem;color:#4C5C6B;line-height:1.6;max-width:220px;}
.how-tags{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;}
.how-tag{font-size:0.76rem;font-weight:600;padding:5px 12px;border-radius:999px;border:1.5px solid #0073e6;color:#0073e6;background:#e6f0ff;}

/* =========== BENEFITS ILLUSTRATION =========== */
.benefits-illustration{margin-bottom:24px;}
.benefits-illustration svg{width:100%;height:auto;max-height:280px;}

/* =========== STAR RATING HERO =========== */
.hero-star-rating{margin-top:14px;font-size:0.92rem;color:rgba(255,255,255,0.9);display:flex;align-items:center;gap:8px;flex-wrap:wrap;}
.hero-star-rating .stars{color:#FFD700;letter-spacing:2px;font-size:1rem;}
.hero-star-rating strong{color:#fff;font-weight:700;}

/* =========== HERO form compact & attractive =========== */
.hero .hero-form-card{
  background:#fff;border-radius:20px;padding:24px 22px;
  box-shadow:0 8px 40px rgba(0,61,128,0.18);
}
.hero .hero-form-card h3{font-size:1.05rem;font-weight:700;color:#003d80;margin-bottom:3px;}
.hero .hero-form-card .form-sub{font-size:0.8rem;color:#4C5C6B;margin-bottom:14px;}
.form-tabs{display:flex;gap:0;margin-bottom:14px;background:#f0f5ff;border-radius:10px;padding:3px;}
.form-tab{flex:1;padding:9px 4px;border-radius:8px;font-weight:700;font-size:0.84rem;color:#4C5C6B;background:transparent;border:none;cursor:pointer;transition:background .2s,color .2s;}
.form-tab.active{background:#0073e6;color:#fff;box-shadow:0 2px 8px rgba(0,115,230,0.25);}
.form-tab:hover:not(.active){background:rgba(0,115,230,0.1);color:#0073e6;}
.tab-form .lead-form{gap:10px;}
.tab-form .field label{font-size:0.76rem;font-weight:700;color:#003d80;}
.tab-form .field input{padding:10px 12px;font-size:0.88rem;border-radius:8px;border:1.5px solid #dde8f5;}
.tab-form .field input:focus{border-color:#0073e6;box-shadow:0 0 0 3px rgba(0,115,230,0.12);outline:none;}
.tab-form .btn-primary{background:#0073e6;color:#fff;border-radius:10px;font-weight:700;font-size:0.9rem;padding:12px;}
.tab-form .btn-primary:hover{background:#005bbf;}
.tab-form .form-note{font-size:0.72rem;color:#7C8B98;margin-top:10px;}
.tab-form .error-msg{font-size:0.73rem;color:#C0392B;}

/* Star rating white pill */
.hero-star-rating-pill{display:inline-flex;align-items:center;gap:10px;background:#fff;border-radius:12px;padding:10px 20px;margin-top:16px;box-shadow:0 2px 12px rgba(0,0,0,0.10);}
.sr-stars{color:#FFC107;letter-spacing:3px;font-size:1.1rem;line-height:1;}
.sr-text{font-size:0.86rem;color:#1a2e4a;}.sr-text strong{color:#003d80;font-weight:800;}

/* Brand flat row */
.brand-strip-label{text-align:center;font-size:0.78rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#7C8B98;margin-bottom:16px;}
.brand-row-flat{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;align-items:center;}

/* ── Hero WHITE variant ── */
.hero.hero-white{
  background:#fff !important;
}
.hero.hero-white::before{display:none;}
.hero.hero-white h1{color:#003d80;}
.hero.hero-white h1 em{color:#0073e6;}
.hero.hero-white .lead{color:#2B3A47;}
.hero.hero-white .eyebrow{color:#0073e6;}
.hero.hero-white .hero-badge{background:rgba(0,115,230,0.1);border-color:rgba(0,115,230,0.3);color:#003d80;}

/* ── Trust rating pill (testimonials section) ── */
.trust-rating-pill{
  display:inline-flex;align-items:center;gap:10px;flex-wrap:wrap;
  background:#fff;border-radius:12px;padding:12px 24px;margin-top:24px;
  box-shadow:0 2px 12px rgba(0,0,0,0.10);
}

/* ── Stats counter — fix text visibility ── */
.stats-band{background:#003d80;color:#fff;}
.stat-num{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.8rem);color:#fff;font-weight:800;}
.stat-label{font-size:0.9rem;color:rgba(255,255,255,0.8);margin-top:6px;}

/* ── Why Switch section cards ── */
.switch-card{
  background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);
  border-radius:16px;padding:28px 24px;text-align:center;
  transition:background var(--transition);
}
.switch-card:hover{background:rgba(255,255,255,0.18);}
.switch-icon{font-size:2rem;margin-bottom:12px;}
.switch-card h4{color:#fff;font-size:1.05rem;margin-bottom:8px;}
.switch-card p{color:rgba(255,255,255,0.75);font-size:0.88rem;line-height:1.6;}

/* ── GST Benefits Banner (results page) ── */
.gst-banner{
  display:flex;align-items:center;flex-wrap:wrap;gap:0;
  background:linear-gradient(90deg,#003d80,#0073e6);
  border-radius:12px;padding:14px 20px;margin-bottom:22px;
}
.gst-item{color:#fff;font-size:0.86rem;padding:6px 16px;white-space:nowrap;}
.gst-item strong{color:#FFD700;}
.gst-divider{width:1px;height:24px;background:rgba(255,255,255,0.3);flex-shrink:0;}
@media(max-width:640px){.gst-banner{flex-direction:column;align-items:flex-start;}.gst-divider{display:none;}}

/* ============================================================
   FULL MOBILE RESPONSIVE — FCL Insurance
   Breakpoints: 960px (tablet), 640px (mobile), 400px (small)
   ============================================================ */

/* ── Hero ── */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:28px;}
  .hero{padding:56px 0 48px;}
  .hero h1{font-size:clamp(1.8rem,6vw,2.6rem);}
  .hero .lead{font-size:1rem;}
  .hero-form-card{max-width:100%;}
}
@media(max-width:640px){
  .hero{padding:40px 0 36px;}
  .hero h1{font-size:1.7rem;}
  .hero-badges{gap:8px;}
  .hero-badge{font-size:0.76rem;padding:5px 10px;}
  .hero-star-rating-pill{padding:8px 14px;font-size:0.8rem;}
  .sr-stars{font-size:0.95rem;}
}

/* ── Form tabs ── */
@media(max-width:400px){
  .form-tab{font-size:0.78rem;padding:8px 2px;}
  .tab-form .field input,.tab-form .field select{font-size:0.84rem;padding:9px 10px;}
}

/* ── Brand strip ── */
@media(max-width:640px){
  .brand-row-flat{gap:10px;}
  .brand-pill-logo{min-width:100px;padding:8px 12px;}
  .brand-pill-logo img{height:28px;}
}

/* ── How-it-works ── */
@media(max-width:640px){
  .how-steps{gap:20px;}
  .how-icon-wrap{width:58px;height:58px;}
  .how-step p{max-width:100%;}
  .how-tags{gap:6px;}
}

/* ── Why Choose Us (4 column grid) ── */
@media(max-width:640px){
  .feature-card{padding:22px 18px;}
  .feature-icon{width:54px;height:54px;}
}

/* ── Insurance categories split ── */
@media(max-width:960px){
  .categories-split{grid-template-columns:1fr;}
}
@media(max-width:640px){
  .grid-2{grid-template-columns:1fr;}
  .category-media{height:100px;}
  .category-body{padding:14px 16px;}
  .category-body h3{font-size:1rem;}
}

/* ── Benefits section ── */
@media(max-width:900px){
  .split{grid-template-columns:1fr;}
  .benefits-illustration{display:none;}
}

/* ── Why Switch cards ── */
@media(max-width:640px){
  .switch-card{padding:20px 16px;}
  .switch-icon{font-size:1.6rem;}
  .switch-card h4{font-size:0.98rem;}
}

/* ── Testimonials ── */
@media(max-width:640px){
  .testimonial-card{padding:22px 18px;}
  .trust-rating-pill{padding:10px 16px;font-size:0.82rem;}
}

/* ── Featured partner ── */
@media(max-width:640px){
  .featured-partner-card{grid-template-columns:1fr;}
  .fp-image{width:100%;height:180px;}
  .fp-text{padding:20px;}
}

/* ── Blog ── */
@media(max-width:640px){
  .blog-grid{grid-template-columns:1fr;}
  .blog-thumb{height:140px;}
}

/* ── FAQ ── */
@media(max-width:640px){
  .faq-question{font-size:0.94rem;padding:18px 4px;}
}

/* ── Final CTA ── */
@media(max-width:640px){
  .final-cta{flex-direction:column;text-align:center;padding:36px 24px;margin:0 16px;}
  .final-cta h2{font-size:1.4rem;}
}

/* ── Footer ── */
@media(max-width:560px){
  .footer-grid{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;text-align:center;gap:10px;}
  .footer-bottom .legal-links{justify-content:center;}
}

/* ── Results page ── */
@media(max-width:900px){
  .results-grid{grid-template-columns:1fr;}
  .profile-card{position:static;}
}
@media(max-width:640px){
  .rc-card{padding:18px;}
  .rc-card-head{flex-direction:column;align-items:flex-start;gap:10px;}
  .rc-logo-wrap{width:130px;height:44px;}
  .rc-highlights{grid-template-columns:repeat(2,1fr);gap:10px;}
  .rc-highlight{padding:10px 8px;}
  .rc-hi-value{font-size:0.86rem;}
  .rc-tags{gap:6px;}
  .rc-tag{font-size:0.74rem;}
  .rc-btn{width:100%;justify-content:center;}
  .sub-tab-btn{padding:8px 14px;font-size:0.84rem;}
  .gst-banner{flex-direction:column;gap:6px;padding:12px 16px;}
  .gst-divider{display:none;}
  .gst-item{font-size:0.82rem;}
  .partners-grid{grid-template-columns:1fr;}
}

/* ── Profile edit form ── */
@media(max-width:640px){
  .profile-edit-actions{flex-direction:column;}
}

/* ── GST banner ── */
@media(max-width:640px){
  .gst-banner{border-radius:10px;}
}

/* ── Page hero (inner pages) ── */
@media(max-width:640px){
  .page-hero{padding:44px 0 36px;}
  .page-hero h1{font-size:1.7rem;}
  .contact-grid{grid-template-columns:1fr;}
}

/* ── Nav header ── */
@media(max-width:960px){
  .header-inner{padding:12px 16px;}
}

/* ── Container padding ── */
@media(max-width:640px){
  .container{padding:0 16px;}
  section{padding:48px 0;}
  .section-head{margin-bottom:32px;}
}

/* ── Category page plan table ── */
@media(max-width:640px){
  .plan-table-wrap{margin:0 -16px;}
  table.compare-table th,table.compare-table td{padding:12px 10px;font-size:0.82rem;}
}

/* ── Lead form — single column on mobile ── */
@media(max-width:500px){
  .lead-form{grid-template-columns:1fr;}
  .lead-form .full{grid-column:1;}
}

/* ============================================================
   MOBILE FIX — Stop horizontal scroll & nav overlap
   ============================================================ */

/* 1. Prevent horizontal scroll on ALL elements */
html, body {
  overflow-x: hidden;
  max-width: 100%;
}

* {
  box-sizing: border-box;
}

/* 2. Fix nav — use z-index above everything */
#site-header {
  position: relative;
  z-index: 600;
}
.header-bar {
  position: relative;
  z-index: 600;
}
@media(max-width:960px) {
  .main-nav {
    z-index: 599;
    position: fixed;
    inset: 0 0 0 auto;
    width: min(280px, 82vw);
    height: 100vh;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 72px 16px 20px;
    gap: 4px;
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(.4,0,.2,1);
    box-shadow: -4px 0 24px rgba(0,0,0,0.15);
    overflow-y: auto;
  }
  .main-nav.open { transform: translateX(0); }
  .nav-backdrop { z-index: 598; }

  /* Stop hero/all content from going off-screen */
  .hero-grid {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }
  .hero {
    padding: 48px 0 36px !important;
    overflow: hidden;
  }
  .hero-form-card {
    width: 100%;
    max-width: 100%;
  }
  .container {
    padding: 0 16px;
    max-width: 100%;
    overflow: hidden;
  }
}

/* 3. Mobile — all sections stack, no overflow */
@media(max-width:640px) {
  /* Grids all go 1 column */
  .grid-2, .grid-3, .grid-4,
  .split, .categories-split,
  .results-grid, .contact-grid,
  .footer-grid, .steps-row {
    grid-template-columns: 1fr !important;
  }

  /* Category media height */
  .category-media { height: 90px; }

  /* Hero text */
  .hero h1 { font-size: 1.6rem; }
  .hero .lead { font-size: 0.95rem; }

  /* Form — full width single column */
  .lead-form { grid-template-columns: 1fr !important; }
  .lead-form .full { grid-column: 1 !important; }
  .form-tab { font-size: 0.8rem; padding: 8px 4px; }

  /* Brand pills wrap */
  .brand-row-flat { gap: 8px; }
  .brand-pill-logo { padding: 7px 10px; min-width: 80px; }
  .brand-pill-logo img { height: 24px; }

  /* How steps */
  .how-steps { grid-template-columns: 1fr !important; gap: 24px; }
  .how-line { display: none !important; }
  .how-step { align-items: flex-start; text-align: left; }

  /* Blog */
  .blog-grid { grid-template-columns: 1fr !important; }

  /* Why switch */
  .grid-4 .switch-card { padding: 18px 14px; }

  /* Testimonial track — prevent horizontal overflow */
  .testimonial-track-wrap { overflow: hidden; }
  .testimonial-card { min-width: 100% !important; padding: 20px 16px; }

  /* Final CTA */
  .final-cta {
    flex-direction: column;
    text-align: center;
    padding: 28px 20px;
    margin: 0 16px;
    border-radius: 16px;
  }
  .final-cta .btn { width: 100%; justify-content: center; }

  /* Results page */
  .rc-highlights { grid-template-columns: repeat(2,1fr) !important; }
  .rc-card { padding: 16px; }
  .rc-logo-wrap { width: 100px; }
  .partners-grid { grid-template-columns: 1fr !important; }
  .sub-tab-row { gap: 8px; }
  .sub-tab-btn { padding: 8px 12px; font-size: 0.82rem; }

  /* GST banner */
  .gst-banner {
    flex-direction: column !important;
    gap: 8px;
    padding: 12px 14px;
  }
  .gst-divider { display: none !important; }
  .gst-item { font-size: 0.8rem; }

  /* Page hero inner pages */
  .page-hero { padding: 40px 0 30px; }
  .page-hero h1 { font-size: 1.5rem; }
  .prose { font-size: 0.94rem; }

  /* Footer */
  .footer-grid { gap: 24px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom .legal-links { flex-wrap: wrap; justify-content: center; }

  /* Section padding */
  section { padding: 44px 0 !important; }
  .section-head { margin-bottom: 28px; }
  .section-head h2 { font-size: 1.5rem; }
}

/* 4. Very small screens (< 380px) */
@media(max-width:380px) {
  .hero h1 { font-size: 1.4rem; }
  .form-tab { font-size: 0.72rem; padding: 7px 2px; }
  .rc-highlights { grid-template-columns: 1fr !important; }
  .hero-badge { font-size: 0.72rem; padding: 4px 8px; }
}