/* Golden Lifeline — site stylesheet.
   Tokens from the brand brief; layout rebuilt from the Claude Design export
   with classes instead of inline styles so the page is editable in Wagtail. */

:root {
  --navy: #0c1d33;
  --navy-deep: #08172a;
  --navy-text: #16283f;
  --navy-line: #3c4d63;
  --cream: #fffdf8;
  --cream-2: #fdf6e9;
  --cream-3: #faf0dd;
  --cream-4: #fdf4e3;
  --gold: #c79a3f;
  --gold-bright: #e2b757;
  --gold-deep: #a4762a;
  --gold-light: #d8b878;
  --gold-fill: #b8892f;
  --text: #3c4d63;
  --muted: #5d6e83;
  --muted-navy: #93a3b8;
  --muted-navy-2: #c9d3e0;
  --line: #c9d3e0;
  --green: #2f5a34;
  --green-bg: #f2f8f1;
  --green-line: #cfe3cf;
  --error: #c0392b;
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --sans: 'Source Sans 3', 'Source Sans Pro', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --script: 'Caveat', 'Segoe Script', cursive;
  --gold-grad: linear-gradient(180deg, #e2b757, #c79a3f);
  --gold-grad-h: linear-gradient(90deg, #e2b757, #c79a3f);
}

/* ---------- base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--navy);
  font-family: var(--sans);
  -webkit-font-smoothing: antialiased;
  text-wrap: pretty;
}
a { color: var(--gold-deep); text-decoration: none; }
a:hover { color: var(--gold); }
img { max-width: 100%; }
input, select, button, textarea { font-family: inherit; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; }
button:focus-visible, a:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
[hidden] { display: none !important; }

@keyframes glReveal { from { opacity: 0; transform: translateY(28px); } to { opacity: 1; transform: none; } }
@keyframes glFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
@keyframes glSpin { to { transform: rotate(360deg); } }

.page { min-height: 100vh; display: flex; flex-direction: column; }
.container { max-width: 1200px; margin: 0 auto; padding-left: clamp(16px, 4vw, 48px); padding-right: clamp(16px, 4vw, 48px); }
.container-wide { max-width: 1400px; margin: 0 auto; padding-left: clamp(16px, 4vw, 48px); padding-right: clamp(16px, 4vw, 48px); }

/* scroll-driven reveal (progressive enhancement) */
@supports (animation-timeline: view()) {
  .reveal { animation: glReveal linear both; animation-timeline: view(); animation-range: entry 0% entry 30%; }
}

/* ---------- shared type ---------- */
.h2 { margin: 0; font-family: var(--serif); font-size: clamp(30px, 3.4vw, 44px); font-weight: 700; line-height: 1.1; color: var(--navy); }
.h2-sm { font-size: clamp(28px, 3vw, 38px); }
.h2-xl { font-size: clamp(32px, 3.6vw, 48px); }
.h2-light { color: #fff; }
.lead { margin: 0; font-size: 17px; line-height: 1.55; color: var(--text); }
.lead-light { color: var(--muted-navy-2); }
.eyebrow-gold { font-size: 13px; font-weight: 700; letter-spacing: 2px; color: var(--gold-deep); }
.eyebrow-bright { font-size: 13px; font-weight: 700; letter-spacing: 2px; color: var(--gold-bright); }
.section-intro { display: flex; flex-direction: column; gap: 12px; max-width: 620px; }
.section-intro-center { align-items: center; text-align: center; max-width: none; }
.script-gold { font-family: var(--script); font-weight: 700; color: var(--gold-bright); }
.script-lg { font-size: 1.25em; }

/* ---------- top bar ---------- */
.topbar { background: var(--navy-deep); color: var(--muted-navy-2); font-size: 13.5px; font-weight: 500; }
.topbar-inner { padding-top: 9px; padding-bottom: 9px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 8px 24px; }
.topbar-left { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; }
.topbar-item { display: flex; align-items: center; gap: 7px; }
.topbar-sep { width: 1px; height: 14px; background: var(--navy-line); }
.stars { color: var(--gold-bright); letter-spacing: 1px; }
.topbar-phone { color: var(--gold-bright); font-weight: 600; }
.topbar-phone:hover { color: #fff; }
.topbar-hours { color: var(--muted-navy); }

/* ---------- header ---------- */
.header { position: sticky; top: 0; z-index: 50; background: var(--navy); border-bottom: 1px solid var(--navy-text); box-shadow: 0 6px 24px rgba(8, 23, 42, .25); }
.header-inner { padding-top: 10px; padding-bottom: 10px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; color: #fff; }
.brand:hover { color: #fff; }
.brand-mark { width: 58px; height: 38px; object-fit: cover; object-position: center 35%; border-radius: 4px; }
.brand-word { display: flex; flex-direction: column; line-height: 1; }
.brand-l1 { font-family: var(--serif); font-weight: 700; font-size: 20px; letter-spacing: 3px; color: var(--gold-bright); }
.brand-l2 { font-family: var(--serif); font-weight: 700; font-size: 16px; letter-spacing: 4px; color: #fff; margin-top: 2px; }
.brand-l3 { font-size: 8px; letter-spacing: 2.5px; color: var(--gold-light); margin-top: 3px; font-weight: 600; white-space: nowrap; }
.nav-desktop { display: flex; align-items: center; gap: 6px; font-size: 15.5px; font-weight: 600; }
.nav-desktop a { color: var(--muted-navy-2); padding: 8px 14px; border-radius: 8px; }
.nav-desktop a:hover { color: #fff; background: var(--navy-text); }
.header-right { display: flex; align-items: center; gap: 10px; }
.phone-pill { display: flex; align-items: center; gap: 9px; padding: 11px 20px; border-radius: 999px; background: var(--gold-grad); color: var(--navy); font-weight: 700; font-size: 15.5px; white-space: nowrap; box-shadow: 0 4px 14px rgba(226, 183, 87, .3); transition: transform .15s, filter .15s; }
.phone-pill:hover { color: var(--navy); filter: brightness(1.06); transform: translateY(-1px); }
.menu-btn { display: none; width: 44px; height: 44px; border-radius: 10px; border: 1px solid var(--navy-line); background: var(--navy-text); color: #fff; place-items: center; cursor: pointer; padding: 0; }
.nav-mobile { background: var(--navy-deep); border-top: 1px solid var(--navy-text); padding: 10px clamp(16px, 4vw, 48px) 18px; display: flex; flex-direction: column; gap: 2px; animation: glFade .25s ease-out both; }
.nav-mobile a { color: #fff; font-weight: 600; font-size: 17px; padding: 13px 10px; border-radius: 8px; }
.nav-mobile a:hover { background: var(--navy-text); color: #fff; }
.nav-mobile .nav-mobile-cta { margin-top: 8px; text-align: center; color: var(--navy); background: var(--gold-grad); font-weight: 700; padding: 14px; border-radius: 12px; }

/* ---------- hero ---------- */
.hero-wrap { position: relative; background: var(--cream-2); overflow: hidden; }
.hero-bg { position: absolute; left: -4%; top: 0; bottom: 0; width: 104%; height: 100%; object-fit: cover; object-position: 50% 100%; pointer-events: none; }
.hero-wash { position: absolute; inset: 0; pointer-events: none; background: transparent; }
.hero-fade { position: absolute; inset: 0; pointer-events: none; background: linear-gradient(90deg, rgba(253, 246, 233, .92) 0%, rgba(253, 246, 233, .8) 22%, rgba(253, 246, 233, .2) 36%, rgba(253, 246, 233, 0) 46%); }
.hero { position: relative; overflow: hidden; }
.hero-wave { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 70px; pointer-events: none; }
.hero-inner { position: relative; max-width: 1400px; margin: 0 auto; padding: clamp(32px, 4vw, 56px) clamp(16px, 4vw, 48px) 96px; display: flex; flex-wrap: wrap; align-items: flex-start; justify-content: space-between; gap: 40px; }
.hero-picture { display: none; }
.hero-copy { flex: 1 1 380px; max-width: 470px; display: flex; flex-direction: column; gap: 22px; animation: glFade .8s ease-out both; position: relative; z-index: 3; }
.eyebrow-pill { align-self: flex-start; background: var(--gold-grad); color: var(--navy); font-size: 11.5px; font-weight: 700; letter-spacing: 1.6px; padding: 7px 14px; border-radius: 999px; }
.hero-title { margin: 0; font-family: var(--serif); font-weight: 800; font-size: clamp(38px, 3.7vw, 56px); line-height: 1.05; letter-spacing: -.5px; color: var(--navy); max-width: 100%; }
.script-word { position: relative; display: inline-block; font-family: var(--script); font-weight: 700; font-size: 1.22em; color: var(--gold-fill); padding: 0 .08em; }
.script-word svg { position: absolute; left: 0; right: 0; bottom: -.08em; width: 100%; height: .16em; }
.hero-sub { margin: 0; font-size: clamp(18px, 1.6vw, 21px); line-height: 1.5; color: var(--text); max-width: 480px; }
.hero-trust { display: flex; flex-wrap: nowrap; gap: 8px 18px; margin-top: 8px; }
.trust { display: flex; align-items: center; gap: 10px; }
.trust-icon { width: 44px; height: 44px; flex: none; border-radius: 50%; background: var(--cream); border: 1.5px solid var(--gold-light); display: grid; place-items: center; box-shadow: 0 4px 14px rgba(199, 154, 63, .18); }
.trust-text { font-size: 13.5px; line-height: 1.25; color: var(--navy); white-space: nowrap; }
.trust-text strong { display: block; font-weight: 700; }

/* ---------- quote wizard ---------- */
.quote { position: relative; z-index: 3; flex: 1 1 380px; max-width: 400px; margin: 0; min-width: min(100%, 300px); scroll-margin-top: 110px; animation: glFade .9s .15s ease-out both; }
.quote-card { background: #fff; border-radius: 20px; box-shadow: 0 30px 60px -20px rgba(12, 29, 51, .35), 0 0 0 1px rgba(201, 211, 224, .7); overflow: hidden; }
.quote-body { padding: 26px 26px 22px; display: flex; flex-direction: column; gap: 16px; }
.quote-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.quote-title { margin: 0; font-family: var(--serif); font-size: 27px; font-weight: 700; color: var(--navy); }
.quote-sub { margin: 4px 0 0; font-size: 14.5px; color: var(--muted); }
.quote-step { white-space: nowrap; font-size: 12px; font-weight: 700; color: var(--gold-deep); background: var(--cream-4); border: 1px solid var(--gold-light); padding: 5px 10px; border-radius: 999px; }
.quote-bars { display: flex; gap: 6px; }
.quote-bars span { flex: 1; height: 4px; border-radius: 2px; background: var(--cream-3); transition: background .25s; }
.quote-bars span.on { background: var(--gold-grad-h); }
.quote-form { display: block; margin: 0; }
.qstep { display: flex; flex-direction: column; gap: 14px; animation: glFade .3s ease-out both; }
.qstep[data-step="2"] { gap: 16px; }
.qstep[data-step="3"] { gap: 12px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.label { font-size: 12.5px; font-weight: 700; color: var(--text); letter-spacing: .2px; }
.grid-2 { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 12px; }
.seg-row { display: grid; gap: 10px; }
.seg-2 { grid-template-columns: 1fr 1fr; }
.seg-3 { grid-template-columns: repeat(3, 1fr); gap: 8px; }
.seg { padding: 11px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; border: 1.5px solid var(--line); background: #fff; color: var(--text); transition: all .15s; }
.seg-3 .seg { padding: 11px 6px; }
.seg.on { border-color: var(--gold); background: var(--gold-grad); color: var(--navy); }
.input { padding: 11px 12px; border-radius: 10px; border: 1.5px solid var(--line); font-size: 16px; color: var(--navy); width: 100%; min-width: 0; background: #fff; }
.input::placeholder { color: #9aa6b5; }
.input.field-error { border-color: var(--error); background: #fff6f5; }
.check { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--muted); line-height: 1.4; cursor: pointer; }
.check input { margin: 2px 0 0; width: 18px; height: 18px; accent-color: var(--gold); flex: none; }
.check.field-error { color: var(--error); }
.form-error-msg { margin: 0; font-size: 13px; font-weight: 600; color: var(--error); }
.range { width: 100%; accent-color: var(--gold); cursor: pointer; margin: 0; }
.range-head { display: flex; justify-content: space-between; align-items: baseline; }
.range-value { font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--navy); }
.range-scale { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted-navy); }
.note-green { display: flex; align-items: center; gap: 10px; background: var(--green-bg); border: 1px solid var(--green-line); border-radius: 10px; padding: 10px 12px; font-size: 14px; color: var(--green); }
.note-green svg { flex: none; }
.btn-gold { display: flex; justify-content: center; align-items: center; gap: 10px; width: 100%; padding: 15px; border: 0; border-radius: 12px; background: var(--gold-grad); color: var(--navy); font-weight: 700; font-size: 17px; cursor: pointer; box-shadow: 0 8px 20px -6px rgba(199, 154, 63, .55); transition: transform .15s, filter .15s; }
.btn-gold:hover { color: var(--navy); filter: brightness(1.05); transform: translateY(-1px); }
.qstep[data-step="1"] .btn-next { margin-top: 4px; }
.btn-row { display: grid; grid-template-columns: auto 1fr; gap: 10px; }
.qstep[data-step="3"] .btn-row { margin-top: 4px; }
.btn-back { padding: 15px 18px; border-radius: 12px; border: 1.5px solid var(--line); background: #fff; color: var(--text); font-weight: 700; font-size: 16px; cursor: pointer; }
.btn-back:hover { border-color: var(--muted-navy); }
.btn-submit .btn-label { display: inline-flex; align-items: center; gap: 10px; }
.spinner { display: inline-block; width: 18px; height: 18px; border-radius: 50%; border: 2.5px solid rgba(12, 29, 51, .25); border-top-color: var(--navy); animation: glSpin .7s linear infinite; }
.sim-loading .btn-submit { pointer-events: none; opacity: .9; }
.sim-loading .btn-back { pointer-events: none; opacity: .6; }
.quote-done { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 10px; padding: 6px 0 2px; animation: glFade .35s ease-out both; }
.done-icon { width: 60px; height: 60px; border-radius: 50%; background: var(--green-bg); border: 1.5px solid var(--green-line); display: grid; place-items: center; }
.done-title { margin: 4px 0 0; font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--navy); }
.done-text { margin: 0; font-size: 15px; line-height: 1.5; color: var(--text); }
.done-text strong { color: var(--navy); }
.link-btn { background: none; border: 0; padding: 4px; margin-top: 6px; color: var(--gold-deep); font-weight: 600; font-size: 14px; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.link-btn:hover { color: var(--gold); }
.quote-secure { display: flex; justify-content: center; align-items: center; gap: 7px; font-size: 13px; color: var(--gold-deep); font-weight: 600; }
.quote-foot { background: var(--cream-2); border-top: 1px solid var(--cream-3); padding: 14px 26px; display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.quote-foot-left { display: flex; align-items: center; gap: 12px; }
.foot-badge { width: 36px; height: 36px; border-radius: 10px; background: var(--gold-grad); display: grid; place-items: center; flex: none; }
.foot-text { font-size: 13.5px; line-height: 1.35; color: var(--text); }
.foot-text strong { color: var(--navy); }
.avatars { display: flex; flex: none; }
.avatar { width: 40px; height: 40px; border-radius: 50%; border: 2px solid #fff; display: grid; place-items: center; font-size: 13px; font-weight: 700; }
.avatar-navy { background: var(--navy); color: var(--gold-bright); }
.avatar-gold { background: var(--gold-grad); color: var(--navy); margin-left: -12px; }

/* ---------- tagline band ---------- */
.tagline { background: var(--navy); position: relative; overflow: hidden; }
.tagline-inner { padding-top: 26px; padding-bottom: 26px; display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.tagline-icon { width: 54px; height: 54px; border-radius: 50%; border: 1.5px solid var(--gold); display: grid; place-items: center; flex: none; }
.tagline-text { margin: 0; font-family: var(--serif); font-size: clamp(20px, 2.2vw, 26px); color: #fff; line-height: 1.3; }
.tagline .script-gold { font-size: 1.35em; border-bottom: 2px solid var(--gold); }

/* ---------- sections ---------- */
.section > .container { padding-top: clamp(56px, 7vw, 96px); padding-bottom: clamp(56px, 7vw, 96px); }
.section { scroll-margin-top: 80px; }
.section-cream { background: var(--cream); }
.section-cream2 { background: var(--cream-2); }
.section-navy { background: var(--navy); color: #fff; }
#rates { scroll-margin-top: 90px; }

/* ---------- rates ---------- */
.rates { display: flex; flex-wrap: wrap; gap: 28px; align-items: stretch; }
.rates-main { flex: 1 1 560px; display: flex; flex-direction: column; gap: 22px; min-width: 0; }
.eyebrow-lines { display: flex; align-items: center; gap: 16px; }
.eyebrow-lines > span:first-child, .eyebrow-lines > span:last-child { flex: 1; height: 1px; background: var(--gold-light); }
.eyebrow-text { font-size: 13px; font-weight: 700; letter-spacing: 2px; color: var(--gold-deep); text-align: center; }
.rates-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 8px 20px; }
.live-note { font-size: 14.5px; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.live-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px var(--green-bg); }
.rates-desc { margin: -8px 0 0; font-size: 16px; color: var(--text); }
.carriers { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; }
@media (min-width: 1100px) { .carriers { grid-template-columns: repeat(3, 1fr); } }
.carrier { position: relative; background: #fff; border-radius: 16px; padding: 22px 14px 18px; display: flex; flex-direction: column; align-items: center; gap: 14px; border: 1.5px solid var(--cream-3); box-shadow: 0 8px 24px -16px rgba(12, 29, 51, .25); transition: transform .2s, box-shadow .2s, border-color .2s; }
.carrier:hover { transform: translateY(-3px); box-shadow: 0 16px 34px -14px rgba(12, 29, 51, .3); }
.carrier.best { border-color: var(--green); box-shadow: 0 14px 34px -14px rgba(47, 90, 52, .4); }
.best-badge { display: none; position: absolute; top: -11px; left: 50%; transform: translateX(-50%); white-space: nowrap; background: var(--green); color: #fff; font-size: 10.5px; font-weight: 700; letter-spacing: 1px; padding: 4px 10px; border-radius: 999px; }
.carrier.best .best-badge { display: block; }
.carrier-name { height: 34px; display: flex; align-items: center; justify-content: center; text-align: center; font-weight: 800; font-size: 15px; letter-spacing: -.2px; color: var(--navy); line-height: 1.1; }
.carrier-price { display: flex; align-items: baseline; gap: 2px; }
.carrier-price .price { font-family: var(--serif); font-size: 36px; font-weight: 700; color: var(--navy); line-height: 1; }
.carrier-price .per { font-size: 13px; color: var(--muted-navy); font-weight: 600; }
.carrier-rating { font-size: 11.5px; color: var(--muted); display: flex; align-items: center; gap: 4px; }
.carrier-rating .star { color: var(--gold); }
.rates-foot { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; margin-top: 4px; }
.fine { margin: 0; font-size: 12.5px; color: var(--muted-navy); max-width: 560px; }
.link-gold { display: flex; align-items: center; gap: 8px; font-weight: 700; font-size: 15px; color: var(--gold-deep); }
.why-card { flex: 0 1 300px; min-width: min(100%, 260px); background: var(--cream-2); border: 1px solid var(--cream-3); border-radius: 20px; padding: 28px 26px; display: flex; flex-direction: column; gap: 18px; align-self: flex-start; position: sticky; top: 100px; }
.why-icon { width: 52px; height: 52px; border-radius: 14px; background: #fff; border: 1.5px solid var(--gold-light); display: grid; place-items: center; }
.why-title { margin: 0; font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--navy); line-height: 1.2; }
.check-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; font-size: 15.5px; color: var(--text); }
.check-list li { display: flex; gap: 10px; align-items: flex-start; }
.check-list svg { flex: none; margin-top: 2px; }
.why-talk { border-top: 1px solid var(--gold-light); padding-top: 16px; display: flex; flex-direction: column; gap: 4px; }
.why-talk .eyebrow-gold { font-size: 12px; letter-spacing: 1.5px; }
.why-phone { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--navy); }
.why-hours { font-size: 13px; color: var(--muted); }

/* ---------- how it works ---------- */
.how { position: relative; overflow: hidden; }
.how-ring { position: absolute; border-radius: 50%; pointer-events: none; }
.how-ring-1 { right: -120px; top: -120px; width: 520px; height: 520px; border: 1px solid rgba(199, 154, 63, .25); }
.how-ring-2 { right: -40px; top: -40px; width: 360px; height: 360px; border: 1px solid rgba(199, 154, 63, .18); }
.how-inner { position: relative; display: flex; flex-direction: column; gap: 44px; }
.how-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 22px; }
.how-card { background: var(--navy-text); border: 1px solid rgba(201, 211, 224, .12); border-radius: 18px; padding: 30px 28px; display: flex; flex-direction: column; gap: 16px; transition: border-color .2s; }
.how-card:hover { border-color: rgba(226, 183, 87, .5); }
.how-num { font-family: var(--serif); font-size: 44px; font-weight: 700; color: var(--gold-bright); line-height: 1; }
.how-title { margin: 0; font-size: 21px; font-weight: 700; }
.how-text { margin: 0; font-size: 15.5px; line-height: 1.55; color: var(--muted-navy-2); }

/* ---------- calculator ---------- */
.calc { display: flex; flex-wrap: wrap; gap: 40px; align-items: center; }
.calc-copy { flex: 1 1 360px; display: flex; flex-direction: column; gap: 16px; max-width: 520px; }
.calc-result { display: flex; flex-direction: column; gap: 6px; margin-top: 8px; }
.calc-result-label { font-size: 13px; font-weight: 700; color: var(--muted); letter-spacing: .5px; }
.calc-result-value { font-family: var(--serif); font-size: clamp(44px, 5vw, 64px); font-weight: 800; color: var(--navy); line-height: 1; }
.calc-result-note { font-size: 15px; color: var(--muted); }
.calc-result-note strong { color: var(--green); }
.btn-navy { align-self: flex-start; display: flex; align-items: center; gap: 10px; padding: 14px 22px; border: 0; border-radius: 12px; background: var(--navy); color: #fff; font-weight: 700; font-size: 16px; cursor: pointer; transition: background .15s; }
.btn-navy:hover { background: var(--navy-text); }
.calc-panel { flex: 1 1 380px; background: #fff; border-radius: 20px; padding: 30px; box-shadow: 0 20px 50px -24px rgba(12, 29, 51, .3), 0 0 0 1px rgba(201, 211, 224, .7); display: flex; flex-direction: column; gap: 26px; min-width: 0; }
.slider { display: flex; flex-direction: column; gap: 10px; }
.slider-head { display: flex; justify-content: space-between; gap: 12px; font-size: 14.5px; font-weight: 700; color: var(--text); }
.slider-value { color: var(--navy); white-space: nowrap; }

/* ---------- why ---------- */
.why { display: flex; flex-direction: column; gap: 40px; }
.why-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 16px 40px; }
.why-head .section-intro { max-width: 560px; }
.why-lead { max-width: 400px; }
.feature-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 20px; }
.feature { background: #fff; border: 1px solid var(--cream-3); border-radius: 18px; padding: 28px; display: flex; flex-direction: column; gap: 14px; box-shadow: 0 10px 30px -20px rgba(12, 29, 51, .25); }
.feature-icon { width: 48px; height: 48px; border-radius: 12px; background: var(--cream-4); display: grid; place-items: center; }
.feature-title { margin: 0; font-size: 20px; font-weight: 700; color: var(--navy); }
.feature-text { margin: 0; font-size: 15.5px; line-height: 1.55; color: var(--text); }

/* ---------- testimonials ---------- */
.reviews { display: flex; flex-direction: column; gap: 40px; }
.stars-lg { color: var(--gold); font-size: 20px; letter-spacing: 3px; }
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 22px; }
.review { margin: 0; background: #fff; border-radius: 18px; padding: 30px 28px; display: flex; flex-direction: column; gap: 18px; box-shadow: 0 12px 34px -22px rgba(12, 29, 51, .3); border: 1px solid var(--cream-3); }
.review-quote { font-family: var(--serif); font-size: 56px; line-height: .6; color: var(--gold-light); font-weight: 700; }
.review blockquote { margin: 0; font-size: 17px; line-height: 1.6; color: var(--navy); flex: 1; }
.review figcaption { display: flex; align-items: center; gap: 14px; border-top: 1px solid var(--cream-3); padding-top: 18px; }
.review-avatar { width: 50px; height: 50px; flex: none; border-radius: 50%; background: var(--gold-grad); display: grid; place-items: center; font-family: var(--serif); font-weight: 700; font-size: 16px; color: var(--navy); }
.review-who { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.review-who strong { font-size: 15.5px; color: var(--navy); }
.review-who span { font-size: 13.5px; color: var(--muted); }
.verified { margin-left: auto; font-size: 11px; font-weight: 700; color: var(--green); background: var(--green-bg); padding: 4px 8px; border-radius: 999px; white-space: nowrap; }

/* ---------- faq ---------- */
.faq-inner { display: flex; flex-wrap: wrap; gap: 40px; }
.faq-copy { flex: 1 1 300px; max-width: 400px; display: flex; flex-direction: column; gap: 14px; }
.faq-copy .lead { font-size: 16.5px; }
.btn-outline-gold { align-self: flex-start; display: flex; align-items: center; gap: 10px; padding: 13px 20px; border-radius: 12px; border: 1.5px solid var(--gold); color: var(--gold-deep); font-weight: 700; font-size: 15.5px; transition: background .15s; }
.btn-outline-gold:hover { background: var(--cream-4); color: var(--gold-deep); }
.faq-list { flex: 1 1 480px; display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.faq-item { background: #fff; border-radius: 14px; border: 1px solid var(--cream-3); overflow: hidden; transition: border-color .2s; }
.faq-item.open { border-color: var(--gold-light); }
.faq-q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; text-align: left; padding: 20px 22px; border: 0; background: transparent; cursor: pointer; font-size: 17px; font-weight: 700; color: var(--navy); }
.faq-plus { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--cream-4); display: grid; place-items: center; transition: transform .25s; }
.faq-item.open .faq-plus { transform: rotate(45deg); }
.faq-a { display: none; }
.faq-item.open .faq-a { display: block; }
.faq-a p { margin: 0; padding: 0 22px 22px; font-size: 16px; line-height: 1.6; color: var(--text); animation: glFade .25s ease-out both; }

/* ---------- agent cta ---------- */
.cta { position: relative; overflow: hidden; }
.cta-glow { position: absolute; inset: 0; background: radial-gradient(ellipse at 80% 50%, rgba(199, 154, 63, .22), transparent 60%); pointer-events: none; }
.cta-inner { position: relative; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 32px; padding-top: clamp(56px, 7vw, 90px); padding-bottom: clamp(56px, 7vw, 90px); }
.cta .section-intro { gap: 14px; }
.cta-actions { display: flex; flex-direction: column; gap: 12px; min-width: min(100%, 300px); }
.btn-gold-lg { width: auto; padding: 18px 28px; border-radius: 14px; font-size: 20px; gap: 12px; box-shadow: 0 12px 30px -8px rgba(226, 183, 87, .5); }
.btn-outline-light { display: flex; justify-content: center; align-items: center; padding: 16px 28px; border-radius: 14px; border: 1.5px solid rgba(201, 211, 224, .35); color: #fff; font-weight: 700; font-size: 17px; transition: background .15s; }
.btn-outline-light:hover { background: var(--navy-text); color: #fff; }
.cta-hours { text-align: center; font-size: 13.5px; color: var(--muted-navy); }

/* ---------- footer ---------- */
.footer { background: var(--navy-deep); color: var(--muted-navy); font-size: 14px; }
.footer-inner { padding-top: 56px; padding-bottom: 36px; display: flex; flex-direction: column; gap: 40px; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 36px 28px; }
.footer-brand { display: flex; flex-direction: column; gap: 16px; }
.footer-brand img { width: 150px; height: auto; border-radius: 12px; }
.footer-brand p { margin: 0; line-height: 1.6; max-width: 280px; }
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-heading { font-size: 12px; font-weight: 700; letter-spacing: 2px; color: var(--gold-bright); }
.footer-col a { color: var(--muted-navy-2); }
.footer-col a:hover { color: #fff; }
.footer-col .footer-phone { color: #fff; font-weight: 700; font-size: 18px; }
.footer-legal { border-top: 1px solid var(--navy-text); padding-top: 28px; display: flex; flex-direction: column; gap: 14px; font-size: 12.5px; line-height: 1.6; color: var(--muted); }
.footer-legal p { margin: 0; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 24px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer-links a { color: var(--muted-navy); }
.footer-links a:hover { color: #fff; }

/* ---------- toast ---------- */
.toast { position: fixed; left: 50%; bottom: 24px; transform: translateX(-50%); z-index: 60; background: var(--navy); color: #fff; padding: 14px 20px; border-radius: 14px; box-shadow: 0 16px 40px -10px rgba(8, 23, 42, .6); display: flex; align-items: center; gap: 12px; font-size: 15px; font-weight: 600; animation: glFade .3s ease-out both; max-width: calc(100% - 32px); }
.toast-icon { width: 28px; height: 28px; border-radius: 50%; background: var(--green); display: grid; place-items: center; flex: none; }

/* ---------- responsive ---------- */
@media (max-width: 1279px) {
  /* stacked hero: photo, centered copy, centered quote card */
  .hero-bg { left: 0; width: 100%; filter: blur(14px) saturate(.9); }
  .hero-wash { background: rgba(253, 246, 233, .82); }
  .hero-picture { display: block; width: 100%; }
  .hero-portrait { display: block; width: 100%; height: 340px; object-fit: cover; object-position: center 40%; border-radius: 20px; box-shadow: 0 24px 50px -24px rgba(12, 29, 51, .45); }
  .hero-copy { flex: 1 1 100%; max-width: 640px; margin: 0 auto; align-items: center; text-align: center; }
  .eyebrow-pill { align-self: center; }
  .hero-sub { max-width: 560px; }
  .hero-trust { justify-content: center; }
  .quote { flex: 1 1 100%; max-width: 640px; margin: 0 auto; }
  .why-card { position: static; }
}
@media (max-width: 900px) {
  .nav-desktop { display: none; }
  .menu-btn { display: grid; }
}
@media (max-width: 560px) {
  /* top bar + header */
  .topbar-inner { justify-content: center; }
  .topbar-left { justify-content: center; }
  .topbar-inner > .topbar-item { display: none; }
  .phone-pill { padding: 10px 14px; font-size: 14px; }
  /* hero (portrait photo below 560px) */
  .hero-portrait { object-position: center 22%; }
  .hero-inner { padding-bottom: 80px; }
  .hero-trust { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; width: 100%; max-width: 420px; }
  .trust { flex-direction: column; text-align: center; gap: 8px; }
  .trust-text { white-space: normal; }
  .quote-title { font-size: 24px; }
  .quote-body { padding: 22px 18px 18px; }
  .quote-foot { padding: 14px 18px; }
  /* tagline band */
  .tagline-inner { flex-direction: column; text-align: center; gap: 14px; }
  .tagline .script-gold { display: inline-block; }
  /* rates */
  .eyebrow-lines > span:first-child, .eyebrow-lines > span:last-child { min-width: 24px; }
  .rates-head { justify-content: center; text-align: center; }
  .rates-desc { text-align: center; }
  .rates-foot { flex-direction: column; align-items: center; text-align: center; gap: 14px; }
  /* buttons that sat left with a gap on the right */
  .btn-navy, .btn-outline-gold { align-self: stretch; justify-content: center; }
  /* agent CTA */
  .cta-inner { justify-content: center; }
  .cta .section-intro { align-items: center; text-align: center; }
  .btn-gold-lg { font-size: 18px; }
  /* footer */
  .footer-bottom { flex-direction: column; align-items: center; text-align: center; }
  .footer-links { justify-content: center; }
}
@media (max-width: 480px) {
  .phone-pill { padding: 12px; }
  .phone-pill span { display: none; }
  .header-inner { gap: 12px; }
}
@media (max-width: 400px) {
  .hero-portrait { height: 260px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal, .hero-copy, .quote, .qstep, .quote-done, .toast, .nav-mobile, .faq-a p { animation: none; }
}