/* ==========================================================================
   Evergreen Life Insurance - Premium Style System (style.css)
   ========================================================================== */

/* --- Google Fonts Integration --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Outfit:wght@400;500;600;700;800&display=swap');

/* --- Design Tokens / CSS Custom Properties --- */
:root {
    /* Color Palette */
    --clr-navy-900: #0a192f;
    --clr-navy-800: #0f2b48;
    --clr-navy-700: #1b3d64;
    --clr-blue-600: #2563eb;
    --clr-blue-500: #3b82f6;
    --clr-blue-100: #dbeafe;
    --clr-blue-50: #eff6ff;
    
    --clr-green-600: #059669;
    --clr-green-500: #10b981;
    --clr-green-100: #d1fae5;
    --clr-green-50: #ecfdf5;

    --clr-slate-900: #0f172a;
    --clr-slate-700: #334155;
    --clr-slate-500: #64748b;
    --clr-slate-300: #cbd5e1;
    --clr-slate-100: #f1f5f9;
    --clr-slate-50: #f8fafc;
    
    --clr-white: #ffffff;
    --clr-danger: #ef4444;

    /* Fonts */
    --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

    /* Shadow Palette */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 10px 15px -3px rgba(10, 25, 47, 0.08), 0 4px 6px -4px rgba(10, 25, 47, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(10, 25, 47, 0.12), 0 8px 10px -6px rgba(10, 25, 47, 0.08);
    --shadow-glow: 0 0 20px 2px rgba(16, 185, 129, 0.15);

    /* Layout & Spacing */
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-full: 9999px;
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --max-width-site: 1200px;
}

/* --- Base Resets & Layout --- */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.6;
    color: var(--clr-slate-700);
    background-color: var(--clr-white);
    overflow-x: hidden;
    width: 100%;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--clr-navy-900);
    font-weight: 700;
    line-height: 1.25;
}

a {
    color: var(--clr-blue-600);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--clr-blue-500);
}

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

ul {
    list-style: none;
}

input, select, textarea, button {
    font-family: inherit;
    font-size: inherit;
}

/* --- Utility Classes --- */
.container {
    width: 100%;
    max-width: var(--max-width-site);
    margin-left: auto;
    margin-right: auto;
    padding-left: 1.5rem;
    padding-right: 1.5rem;
}

.text-center { text-align: center; }
.accent-color { color: var(--clr-green-600); }
.text-navy { color: var(--clr-navy-900); }

/* --- Header Component --- */
.header {
    background-color: var(--clr-white);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid var(--clr-slate-100);
}

.header__nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 70px;
}

.header__brand {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--clr-navy-900);
}

.header__brand-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--clr-navy-900), var(--clr-navy-700));
    color: var(--clr-green-500);
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
}

.header__menu {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

.header__menu-link {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--clr-slate-700);
    transition: color var(--transition-fast);
}

.header__menu-link:hover {
    color: var(--clr-blue-600);
}

.header__menu-link--btn {
    background-color: var(--clr-blue-50);
    color: var(--clr-blue-600);
    padding: 0.4rem 0.9rem;
    border-radius: var(--radius-full);
}

.header__menu-link--btn:hover {
    background-color: var(--clr-blue-100);
    color: var(--clr-blue-600);
}

.header__phone {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    color: var(--clr-navy-900);
    font-size: 0.95rem;
    border: 1px solid var(--clr-slate-300);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-full);
    transition: all var(--transition-fast);
}

.header__phone:hover {
    background-color: var(--clr-slate-50);
    border-color: var(--clr-navy-900);
    color: var(--clr-navy-900);
}

.header__phone svg {
    color: var(--clr-green-600);
}

/* Hide header menu on mobile */
@media (max-width: 768px) {
    .header__menu {
        display: none;
    }
}


/* --- Hero Section & Layout (Landing Split) --- */
.hero {
    background: radial-gradient(circle at 10% 20%, rgba(239, 246, 255, 0.7) 0%, rgba(255, 255, 255, 0.9) 90%);
    padding: 3.5rem 0;
    overflow: hidden;
    position: relative;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(16, 185, 129, 0.05) 0%, transparent 70%);
    z-index: 1;
    pointer-events: none;
}

.hero__grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 3rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero__content {
    max-width: 600px;
}

.hero__badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background-color: var(--clr-blue-50);
    color: var(--clr-blue-600);
    font-size: 0.85rem;
    font-weight: 600;
    padding: 0.4rem 1rem;
    border-radius: var(--radius-full);
    margin-bottom: 1.5rem;
    border: 1px solid var(--clr-blue-100);
}

.hero__badge svg {
    color: var(--clr-green-500);
}

.hero__title {
    font-size: 3rem;
    line-height: 1.15;
    margin-bottom: 1.5rem;
    color: var(--clr-navy-900);
}

.hero__description {
    font-size: 1.15rem;
    color: var(--clr-slate-700);
    margin-bottom: 2rem;
}

.hero__trust-bullets {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.hero__bullet {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--clr-slate-900);
}

.hero__bullet-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--clr-green-50);
    color: var(--clr-green-600);
    width: 24px;
    height: 24px;
    border-radius: var(--radius-full);
    font-size: 0.8rem;
}

/* --- Multi-Step Wizard Styling --- */
.wizard-card {
    background-color: var(--clr-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--clr-slate-100);
    padding: 2.25rem 2rem;
    position: relative;
}

/* Progress Bar */
.wizard-progress {
    margin-bottom: 2rem;
}

.wizard-progress__bar {
    height: 6px;
    background-color: var(--clr-slate-100);
    border-radius: var(--radius-full);
    overflow: hidden;
    position: relative;
    margin-bottom: 0.75rem;
}

.wizard-progress__fill {
    height: 100%;
    width: 33.3%;
    background: linear-gradient(90deg, var(--clr-blue-500) 0%, var(--clr-green-500) 100%);
    border-radius: var(--radius-full);
    transition: width var(--transition-normal);
}

.wizard-progress__labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--clr-slate-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.wizard-progress__label.active {
    color: var(--clr-navy-900);
}

/* Wizard Step Management */
.wizard-step {
    display: none;
    animation: fadeSlideIn var(--transition-normal);
}

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

@keyframes fadeSlideIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.wizard-step__title {
    font-size: 1.4rem;
    margin-bottom: 0.5rem;
    color: var(--clr-navy-900);
}

.wizard-step__subtitle {
    font-size: 0.9rem;
    color: var(--clr-slate-500);
    margin-bottom: 1.5rem;
}

/* Form Layout Elements inside steps */
.wizard-group {
    margin-bottom: 1.5rem;
}

.wizard-group__label {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--clr-slate-700);
    margin-bottom: 0.5rem;
}

/* Card Selection List (Gender, Yes/No, Tobacco, general health) */
.wizard-options-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
}

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

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

/* Interactive Card Buttons */
.card-option {
    position: relative;
    border: 2px solid var(--clr-slate-300);
    background-color: var(--clr-white);
    border-radius: var(--radius-md);
    padding: 0.9rem;
    text-align: center;
    cursor: pointer;
    transition: all var(--transition-fast);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    font-weight: 500;
    color: var(--clr-slate-700);
    user-select: none;
}

.card-option:hover {
    border-color: var(--clr-blue-600);
    background-color: var(--clr-blue-50);
    color: var(--clr-blue-600);
}

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

.card-option.selected {
    border-color: var(--clr-blue-600);
    background-color: var(--clr-blue-50);
    color: var(--clr-navy-900);
    font-weight: 600;
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.card-option__icon {
    font-size: 1.5rem;
    margin-bottom: 0.25rem;
    display: inline-block;
}

/* Forms: Inputs & Select elements */
.form-input, .form-select {
    width: 100%;
    padding: 0.85rem 1rem;
    border: 2px solid var(--clr-slate-300);
    background-color: var(--clr-white);
    border-radius: var(--radius-md);
    color: var(--clr-slate-900);
    font-weight: 500;
    transition: all var(--transition-fast);
    outline: none;
    appearance: none;
    -webkit-appearance: none;
}

.form-select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%2364748b'%3E%3Cpath fill-rule='evenodd' d='M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z' clip-rule='evenodd'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    background-size: 1.25rem;
    padding-right: 2.5rem;
}

.form-input:focus, .form-select:focus {
    border-color: var(--clr-blue-600);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

/* Error validation styling */
.form-input.invalid, .form-select.invalid, .card-option.invalid {
    border-color: var(--clr-danger) !important;
}

.error-text {
    color: var(--clr-danger);
    font-size: 0.75rem;
    font-weight: 500;
    margin-top: 0.35rem;
    display: none;
}

/* Wizard Controls Section */
.wizard-footer {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 2rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-weight: 600;
    padding: 0.9rem 1.8rem;
    border-radius: var(--radius-md);
    border: none;
    cursor: pointer;
    transition: all var(--transition-normal);
    text-align: center;
    user-select: none;
}

.btn--primary {
    background-color: var(--clr-green-600);
    color: var(--clr-white);
    flex-grow: 1;
    box-shadow: 0 4px 6px -1px rgba(5, 150, 105, 0.2), 0 2px 4px -2px rgba(5, 150, 105, 0.1);
}

.btn--primary:hover {
    background-color: var(--clr-green-500);
    transform: translateY(-1px);
    box-shadow: 0 10px 15px -3px rgba(5, 150, 105, 0.3), 0 4px 6px -4px rgba(5, 150, 105, 0.1);
}

.btn--secondary {
    background-color: var(--clr-slate-100);
    color: var(--clr-slate-700);
    border: 1px solid var(--clr-slate-300);
}

.btn--secondary:hover {
    background-color: var(--clr-slate-200);
    color: var(--clr-slate-900);
}

.btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
    transform: none !important;
    box-shadow: none !important;
}

/* Compliance elements within Step 3 */
.compliance-container {
    margin-top: 1.5rem;
    padding: 1rem;
    background-color: var(--clr-slate-50);
    border: 1px solid var(--clr-slate-200);
    border-radius: var(--radius-md);
}

.compliance-checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    font-size: 0.75rem;
    line-height: 1.5;
    color: var(--clr-slate-500);
    cursor: pointer;
    user-select: none;
}

.compliance-checkbox-label a {
    text-decoration: underline;
    font-weight: 500;
}

.compliance-checkbox-label input[type="checkbox"] {
    margin-top: 0.15rem;
    width: 16px;
    height: 16px;
    border-radius: var(--radius-sm);
    accent-color: var(--clr-green-600);
    cursor: pointer;
    flex-shrink: 0;
}

.disclosure-statement {
    font-size: 0.7rem;
    color: var(--clr-slate-400);
    margin-top: 0.75rem;
    line-height: 1.4;
    text-align: center;
    border-top: 1px solid var(--clr-slate-200);
    padding-top: 0.50rem;
}

/* --- Lead Success / Thank You section --- */
.success-screen {
    text-align: center;
    padding: 2rem 1rem;
    display: none;
    animation: fadeSlideIn var(--transition-normal);
}

.success-screen.active {
    display: block;
}

.success-screen__icon {
    width: 72px;
    height: 72px;
    background-color: var(--clr-green-50);
    color: var(--clr-green-600);
    border-radius: var(--radius-full);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow-glow);
}

.success-screen__title {
    font-size: 1.8rem;
    color: var(--clr-navy-900);
    margin-bottom: 1rem;
}

.success-screen__message {
    color: var(--clr-slate-700);
    margin-bottom: 1.5rem;
    font-size: 1.05rem;
}

.success-screen__steps {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    max-width: 350px;
    margin: 0 auto;
    text-align: left;
    background-color: var(--clr-slate-50);
    padding: 1.25rem;
    border-radius: var(--radius-md);
    border: 1px solid var(--clr-slate-200);
}

.success-step {
    display: flex;
    gap: 0.75rem;
    font-size: 0.85rem;
}

.success-step__number {
    font-weight: 700;
    color: var(--clr-blue-600);
    background-color: var(--clr-blue-100);
    width: 22px;
    height: 22px;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* --- Trust Indicators / Trust Logo Bar --- */
.trust-bar {
    background-color: var(--clr-slate-50);
    border-top: 1px solid var(--clr-slate-100);
    border-bottom: 1px solid var(--clr-slate-100);
    padding: 1.5rem 0;
}

.trust-bar__inner {
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    font-size: 0.85rem;
    color: var(--clr-slate-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.trust-badge svg {
    color: var(--clr-green-500);
}

/* --- Benefits & Comparison Section --- */
.benefits {
    padding: 5rem 0;
    background-color: var(--clr-white);
}

.section-title-wrap {
    margin-bottom: 3.5rem;
}

.section-subtitle {
    text-transform: uppercase;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--clr-blue-600);
    letter-spacing: 0.1em;
    margin-bottom: 0.75rem;
    display: block;
}

.section-title {
    font-size: 2.25rem;
    margin-bottom: 1rem;
}

.section-description {
    max-width: 650px;
    margin: 0 auto;
    color: var(--clr-slate-500);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
}

.benefit-card {
    background-color: var(--clr-white);
    padding: 2rem;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--clr-slate-100);
    transition: all var(--transition-normal);
}

.benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--clr-blue-100);
}

.benefit-card__icon {
    width: 48px;
    height: 48px;
    background-color: var(--clr-blue-50);
    color: var(--clr-blue-600);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 1.25rem;
    transition: all var(--transition-fast);
}

.benefit-card:hover .benefit-card__icon {
    background-color: var(--clr-green-500);
    color: var(--clr-white);
}

.benefit-card__title {
    font-size: 1.2rem;
    margin-bottom: 0.75rem;
}

.benefit-card__text {
    font-size: 0.95rem;
    color: var(--clr-slate-500);
}

/* Comparison Layout & Cards */
.comparison-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    margin-top: 2.5rem;
}

.comparison-card {
    background: linear-gradient(145deg, var(--clr-white) 0%, var(--clr-slate-50) 100%);
    border: 1px solid var(--clr-slate-200);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
    transition: all var(--transition-normal);
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.comparison-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
    background-color: var(--clr-blue-600);
}

.comparison-card--green::before {
    background-color: var(--clr-green-500);
}

.comparison-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-xl);
    border-color: var(--clr-blue-100);
}

.comparison-card__header {
    margin-bottom: 1.5rem;
}

.comparison-card__badge {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--clr-blue-600);
    background-color: var(--clr-blue-50);
    padding: 0.25rem 0.75rem;
    border-radius: var(--radius-full);
    margin-bottom: 0.75rem;
}

.comparison-card--green .comparison-card__badge {
    color: var(--clr-green-600);
    background-color: var(--clr-green-50);
}

.comparison-card__title {
    font-size: 1.6rem;
    color: var(--clr-navy-900);
    margin-bottom: 0.5rem;
}

.comparison-card__desc {
    font-size: 0.95rem;
    color: var(--clr-slate-500);
    line-height: 1.5;
}

.comparison-card__body {
    flex-grow: 1;
    margin-bottom: 2rem;
}

.comparison-card__bullets {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.comparison-bullet {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
}

.comparison-bullet__check {
    width: 20px;
    height: 20px;
    border-radius: var(--radius-full);
    background-color: var(--clr-green-50);
    color: var(--clr-green-600);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 0.15rem;
}

.comparison-bullet__text h4 {
    font-size: 1rem;
    color: var(--clr-navy-900);
    margin-bottom: 0.15rem;
}

.comparison-bullet__text p {
    font-size: 0.85rem;
    color: var(--clr-slate-500);
}

.comparison-card__footer {
    border-top: 1px solid var(--clr-slate-200);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.comparison-card__price-info {
    font-size: 0.8rem;
    color: var(--clr-slate-500);
}

.comparison-card__price {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--clr-navy-900);
    display: block;
}

/* Decision Helper Section */
.decision-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin-top: 2.5rem;
}

.decision-box {
    background-color: var(--clr-white);
    border-radius: var(--radius-md);
    padding: 2rem;
    border: 1px solid var(--clr-slate-200);
}

.decision-box--accent {
    border-top: 3px solid var(--clr-blue-600);
}

.decision-box--green {
    border-top: 3px solid var(--clr-green-500);
}

.decision-box h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.decision-box ul {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.decision-box li {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    font-size: 0.9rem;
    color: var(--clr-slate-700);
}

.decision-box li::before {
    content: '→';
    color: var(--clr-blue-600);
    font-weight: 700;
}

.decision-box--green li::before {
    color: var(--clr-green-600);
}


/* --- Why Choose Us (Steps Section) --- */
.why-us {
    background-color: var(--clr-slate-50);
    padding: 5rem 0;
}

.steps-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.steps-list {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.step-item {
    display: flex;
    gap: 1.25rem;
    align-items: flex-start;
}

.step-item__number {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background-color: var(--clr-navy-900);
    color: var(--clr-white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
    box-shadow: var(--shadow-md);
}

.step-item__content {
    flex-grow: 1;
}

.step-item__title {
    font-size: 1.15rem;
    margin-bottom: 0.35rem;
}

.step-item__text {
    font-size: 0.95rem;
    color: var(--clr-slate-500);
}

.why-us__visual {
    background-color: var(--clr-navy-900);
    border-radius: var(--radius-lg);
    padding: 3rem;
    color: var(--clr-white);
    box-shadow: var(--shadow-xl);
    position: relative;
    overflow: hidden;
}

.why-us__visual::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at 100% 100%, rgba(16, 185, 129, 0.15) 0%, transparent 60%);
}

.why-us__visual-title {
    color: var(--clr-white);
    font-size: 1.8rem;
    margin-bottom: 1rem;
}

.why-us__visual-fact {
    margin-top: 2rem;
    border-top: 1px solid var(--clr-navy-700);
    padding-top: 1.5rem;
    display: flex;
    gap: 1.5rem;
}

.why-us__stat {
    font-family: var(--font-heading);
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--clr-green-500);
    line-height: 1;
}

.why-us__stat-label {
    font-size: 0.85rem;
    color: var(--clr-slate-300);
    max-width: 150px;
    align-self: center;
}

/* --- FAQ Component (Accordion) --- */
.faq {
    padding: 5rem 0;
    background-color: var(--clr-white);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    border: 1px solid var(--clr-slate-200);
    border-radius: var(--radius-md);
    background-color: var(--clr-slate-50);
    overflow: hidden;
    transition: all var(--transition-fast);
}

.faq-item:hover {
    border-color: var(--clr-slate-300);
}

.faq-item__trigger {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.25rem 1.5rem;
    background: none;
    border: none;
    text-align: left;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--clr-navy-900);
    cursor: pointer;
    outline: none;
}

.faq-item__icon {
    font-size: 1.25rem;
    transition: transform var(--transition-normal);
    color: var(--clr-blue-600);
}

.faq-item__content {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-normal) ease-out, padding var(--transition-normal) ease-out;
    padding: 0 1.5rem;
    color: var(--clr-slate-500);
    font-size: 0.95rem;
}

.faq-item.active {
    background-color: var(--clr-white);
    border-color: var(--clr-blue-100);
    box-shadow: var(--shadow-sm);
}

.faq-item.active .faq-item__trigger {
    color: var(--clr-blue-600);
}

.faq-item.active .faq-item__icon {
    transform: rotate(45deg);
}

.faq-item.active .faq-item__content {
    max-height: 200px; /* Safe upper limit */
    padding-bottom: 1.25rem;
}

/* --- CTA Section --- */
.cta-banner {
    background: linear-gradient(135deg, var(--clr-navy-900) 0%, var(--clr-navy-800) 100%);
    color: var(--clr-white);
    padding: 4.5rem 0;
    position: relative;
    overflow: hidden;
}

.cta-banner::before {
    content: '';
    position: absolute;
    bottom: -50px;
    left: -50px;
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.15) 0%, transparent 60%);
    pointer-events: none;
}

.cta-banner h2 {
    color: var(--clr-white);
    font-size: 2.25rem;
    margin-bottom: 1rem;
}

.cta-banner p {
    color: var(--clr-slate-300);
    max-width: 600px;
    margin: 0 auto 2rem;
    font-size: 1.1rem;
}

.cta-banner .btn {
    box-shadow: 0 4px 14px 0 rgba(16, 185, 129, 0.3);
}

/* --- Footer Component --- */
.footer {
    background-color: var(--clr-navy-900);
    color: var(--clr-slate-300);
    padding: 4rem 0 2rem;
    font-size: 0.85rem;
    border-top: 4px solid var(--clr-green-500);
}

.footer__grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer__brand {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--clr-white);
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.footer__brand-icon {
    color: var(--clr-green-500);
}

.footer__about-text {
    line-height: 1.6;
    margin-bottom: 1rem;
}

.footer__section-title {
    color: var(--clr-white);
    font-size: 0.95rem;
    font-weight: 600;
    margin-bottom: 1.25rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.footer__links {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer__links a {
    color: var(--clr-slate-300);
    transition: color var(--transition-fast);
}

.footer__links a:hover {
    color: var(--clr-white);
}

.footer__contact-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
}

.footer__contact-item a {
    color: var(--clr-slate-300);
    transition: color var(--transition-fast);
    text-decoration: none;
}

.footer__contact-item a:hover {
    color: var(--clr-white);
}

.footer__contact-icon {
    color: var(--clr-green-500);
    margin-top: 0.15rem;
}

.footer__sms-disclosure {
    font-size: 0.75rem;
    color: var(--clr-slate-400);
    border-top: 1px solid var(--clr-navy-700);
    padding-top: 1.5rem;
    margin-top: 1.5rem;
    line-height: 1.5;
}

.footer__bottom {
    border-top: 1px solid var(--clr-navy-700);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer__copy {
    color: var(--clr-slate-400);
}

.footer__bottom-links {
    display: flex;
    gap: 1.5rem;
}

.footer__bottom-links a {
    color: var(--clr-slate-400);
}

.footer__bottom-links a:hover {
    color: var(--clr-white);
}

/* --- Legal Subpage Template Styles --- */
.legal-header {
    background-color: var(--clr-navy-900);
    color: var(--clr-white);
    padding: 3rem 0;
    text-align: center;
}

.legal-header h1 {
    color: var(--clr-white);
    font-size: 2.25rem;
}

.legal-content {
    padding: 4rem 0;
    background-color: var(--clr-white);
}

.legal-article {
    max-width: 800px;
    margin: 0 auto;
}

.legal-article p {
    margin-bottom: 1.25rem;
    color: var(--clr-slate-700);
    font-size: 0.95rem;
}

.legal-article h2 {
    font-size: 1.4rem;
    margin: 2rem 0 1rem;
    color: var(--clr-navy-900);
}

.legal-article h3 {
    font-size: 1.15rem;
    margin: 1.5rem 0 0.75rem;
    color: var(--clr-navy-900);
}

.legal-article ul {
    list-style-type: disc;
    margin-left: 1.5rem;
    margin-bottom: 1.25rem;
}

.legal-article li {
    margin-bottom: 0.5rem;
    color: var(--clr-slate-700);
    font-size: 0.95rem;
}

.legal-article .back-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 2rem;
    font-weight: 600;
}

/* --- Responsive Adjustments --- */
@media (max-width: 992px) {
    .hero__grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .hero__content {
        max-width: 100%;
        text-align: center;
    }
    .hero__badge {
        justify-content: center;
    }
    .hero__trust-bullets {
        align-items: center;
    }
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .steps-layout {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .why-us__visual {
        order: -1;
    }
    .footer__grid {
        grid-template-columns: 1.2fr 0.8fr;
    }
    .footer__grid > *:last-child {
        grid-column: span 2;
    }
}

@media (max-width: 768px) {
    body {
        font-size: 0.95rem;
    }
    .hero__title {
        font-size: 2.25rem;
    }
    .section-title {
        font-size: 1.8rem;
    }
    .wizard-card {
        padding: 1.5rem 1.25rem;
    }
    .wizard-options-grid--three {
        grid-template-columns: 1fr;
    }
    .benefits-grid, .comparison-grid, .decision-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    .why-us__visual {
        padding: 1.75rem;
    }
    .footer__grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    .footer__grid > *:last-child {
        grid-column: span 1;
    }
    .footer__bottom {
        flex-direction: column;
        align-items: flex-start;
        gap: 1.25rem;
    }
    /* Mobile header scaling */
    .header__nav {
        height: 60px;
    }
    .header__brand {
        font-size: 1.15rem;
        gap: 0.35rem;
    }
    .header__brand svg {
        width: 28px;
        height: 28px;
    }
    .header__phone {
        font-size: 0.85rem;
        padding: 0.4rem 0.75rem;
        gap: 0.35rem;
    }
}

@media (max-width: 480px) {
    .header__brand span {
        font-size: 1.05rem;
    }
    .header__phone span {
        display: none;
    }
    .header__phone {
        padding: 0.45rem;
        width: 36px;
        height: 36px;
        border-radius: var(--radius-full);
        justify-content: center;
        flex-shrink: 0;
    }
    .comparison-card__footer {
        flex-direction: column;
        align-items: stretch;
        gap: 1rem;
        text-align: center;
    }
}

/* --- SVG Shield Logo Styling --- */
.logo-svg {
    display: inline-block;
    vertical-align: middle;
}

.logo-shield {
    fill: var(--clr-navy-900);
    opacity: 0.15;
}

.logo-border {
    stroke: var(--clr-navy-900);
}

.logo-tree {
    stroke: var(--clr-green-500);
}

/* --- Hero Image Layout --- */
.hero__image-container {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--clr-slate-200);
    background-color: var(--clr-slate-100);
    transition: transform var(--transition-normal);
}

.hero__image-container:hover {
    transform: scale(1.02);
}

.hero__image {
    width: 100%;
    height: auto;
    object-fit: cover;
    display: block;
}

/* --- Subpage Product Hero --- */
.subpage-hero {
    background: radial-gradient(circle at 10% 20%, rgba(239, 246, 255, 0.5) 0%, rgba(255, 255, 255, 0.9) 90%);
    padding: 4.5rem 0;
    border-bottom: 1px solid var(--clr-slate-100);
}

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

.subpage-hero__title {
    font-size: 2.75rem;
    line-height: 1.2;
    margin-bottom: 1.5rem;
}

.subpage-hero__desc {
    font-size: 1.15rem;
    color: var(--clr-slate-700);
    margin-bottom: 2rem;
}

/* --- Split Feature Layout --- */
.feature-split {
    padding: 5rem 0;
    background-color: var(--clr-white);
}

.feature-split--gray {
    background-color: var(--clr-slate-50);
}

.feature-split__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.feature-split__content h2 {
    font-size: 2rem;
    margin-bottom: 1.25rem;
}

.feature-split__content p {
    font-size: 1rem;
    color: var(--clr-slate-600);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.detail-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.detail-list__item {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
}

.detail-list__icon {
    width: 22px;
    height: 22px;
    background-color: var(--clr-blue-50);
    color: var(--clr-blue-600);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 0.15rem;
}

.detail-list__text {
    font-size: 0.95rem;
    color: var(--clr-slate-700);
}

.detail-list__text strong {
    color: var(--clr-navy-900);
    display: block;
    margin-bottom: 0.15rem;
}

/* --- Standalone Quote Alignment Layout --- */
.quote-layout-container {
    max-width: 620px;
    margin: 4rem auto;
    padding-left: 1.5rem;
    padding-right: 1.5rem;
}

.quote-layout-header {
    text-align: center;
    margin-bottom: 2.5rem;
}

.quote-layout-header h1 {
    font-size: 2.25rem;
    margin-bottom: 0.5rem;
}

.quote-layout-header p {
    color: var(--clr-slate-500);
    font-size: 1rem;
}

/* Section Call-To-Action Banners */
.section-cta-banner {
    background: linear-gradient(135deg, var(--clr-blue-50) 0%, var(--clr-green-50) 100%);
    border-top: 1px solid var(--clr-blue-100);
    border-bottom: 1px solid var(--clr-blue-100);
    padding: 3rem 0;
    text-align: center;
}

.section-cta-banner__title {
    font-size: 1.5rem;
    color: var(--clr-navy-900);
    margin-bottom: 0.5rem;
    font-weight: 700;
}

.section-cta-banner__desc {
    font-size: 0.95rem;
    color: var(--clr-slate-600);
    margin-bottom: 1.5rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.section-cta-banner .btn {
    box-shadow: var(--shadow-md);
}

/* Responsive Overrides for new elements */
@media (max-width: 992px) {
    .subpage-hero__grid {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }
    .feature-split__grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
}