/* ==========================================================================
   FINAL EXPENSE POLICY - STYLESHEET
   Brand Colors:
     Deep Navy: #0B1F3A
     Primary Royal Blue: #1E5EFF
     Secondary Bright Blue: #35A7FF
     Soft Light Blue: #EEF6FF
     White: #FFFFFF
     Warm Gold Accent: #F4B740
     Dark Text: #152238
     Muted Text: #667085
     Light Borders: #DCE6F2
   Typography: Inter, Arial, Helvetica, sans-serif
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS Reset & Global Variables
   -------------------------------------------------------------------------- */
:root {
  --color-navy: #0B1F3A;
  --color-navy-dark: #071529;
  --color-blue-primary: #1E5EFF;
  --color-blue-hover: #1648cc;
  --color-blue-light: #35A7FF;
  --color-bg-soft: #EEF6FF;
  --color-white: #FFFFFF;
  --color-gold: #F4B740;
  --color-text-dark: #152238;
  --color-text-muted: #667085;
  --color-text-light-muted: #A0B3CC;
  --color-border: #DCE6F2;
  --color-border-focus: #1E5EFF;
  --color-error: #D92D20;
  --color-error-bg: #FEF3F2;

  --font-stack: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  
  --max-width: 1220px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  
  --shadow-sm: 0 2px 4px rgba(11, 31, 58, 0.04);
  --shadow-md: 0 6px 16px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 12px 32px rgba(11, 31, 58, 0.12);
  --shadow-card: 0 8px 24px rgba(11, 31, 58, 0.07);

  --transition-fast: 0.18s ease-in-out;
  --transition-normal: 0.28s ease-in-out;
}

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

html {
  font-family: var(--font-stack);
  font-size: 16px;
  line-height: 1.5;
  color: var(--color-text-dark);
  background-color: var(--color-white);
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  color: var(--color-text-dark);
  background-color: var(--color-white);
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
}

main {
  flex: 1 0 auto;
  width: 100%;
}

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

/* --------------------------------------------------------------------------
   2. Layout & Typography Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

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

p {
  color: var(--color-text-dark);
  font-size: 1rem;
  line-height: 1.6;
}

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

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

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

.text-center { text-align: center; }
.text-white { color: var(--color-white) !important; }
.text-muted-light { color: var(--color-text-light-muted) !important; }

.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-blue-primary);
  margin-bottom: 10px;
}

.eyebrow-light {
  color: var(--color-blue-light);
}

.section {
  padding: 80px 0;
}

.section-soft-blue {
  background-color: var(--color-bg-soft);
}

.section-white {
  background-color: var(--color-white);
}

.section-navy {
  background-color: var(--color-navy);
}

.section-header {
  max-width: 760px;
  margin: 0 auto 50px auto;
}

.section-title {
  font-size: 2.125rem;
  margin-bottom: 14px;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   3. Buttons & Interactive Elements
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-stack);
  font-size: 1rem;
  font-weight: 600;
  padding: 13px 24px;
  min-height: 48px;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  text-align: center;
  white-space: nowrap;
  transition: background-color var(--transition-fast), border-color var(--transition-fast), color var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
}

.btn:focus-visible {
  outline: 3px solid var(--color-blue-light);
  outline-offset: 2px;
}

.btn-primary {
  background-color: var(--color-blue-primary);
  color: var(--color-white);
  border-color: var(--color-blue-primary);
  box-shadow: 0 4px 12px rgba(30, 94, 255, 0.28);
}

.btn-primary:hover {
  background-color: var(--color-blue-hover);
  border-color: var(--color-blue-hover);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(30, 94, 255, 0.38);
}

.btn-outline-navy {
  background-color: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn-outline-navy:hover {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.btn-outline-dark {
  background-color: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-border);
  box-shadow: var(--shadow-sm);
}

.btn-outline-dark:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
  background-color: var(--color-bg-soft);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.0625rem;
  min-height: 52px;
}

.btn-sm {
  padding: 9px 16px;
  font-size: 0.875rem;
  min-height: 44px;
}

.w-100 { width: 100%; }
.mt-2 { margin-top: 8px; }
.mt-3 { margin-top: 14px; }

/* --------------------------------------------------------------------------
   4. Header & Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 2px 10px rgba(11, 31, 58, 0.05);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

/* Logo Emblem */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-logo-img {
  height: 52px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
  transition: transform var(--transition-fast);
}

.brand-logo:hover .brand-logo-img {
  transform: scale(1.03);
}

.footer-logo-img {
  height: 54px;
}

.logo-icon {
  flex-shrink: 0;
  transition: transform var(--transition-fast);
}

.brand-logo:hover .logo-icon {
  transform: scale(1.04);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-size: 1.25rem;
  font-weight: 800;
  line-height: 1.1;
  display: flex;
  gap: 4px;
  letter-spacing: -0.01em;
}

.brand-primary {
  color: var(--color-navy);
}

.brand-secondary {
  color: var(--color-blue-primary);
}

.brand-secondary-light {
  color: var(--color-blue-light);
}

.brand-tagline {
  font-size: 0.6875rem;
  font-weight: 500;
  color: var(--color-text-muted);
  letter-spacing: 0.02em;
  margin-top: 2px;
}

/* Nav Menu */
.desktop-nav {
  display: block;
}

.nav-list {
  display: flex;
  list-style: none;
  gap: 26px;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-navy);
  padding: 8px 0;
  position: relative;
}

.nav-link:hover {
  color: var(--color-blue-primary);
}

.nav-link:focus-visible {
  outline: 2px solid var(--color-blue-primary);
  border-radius: 4px;
}

.header-action {
  display: flex;
  align-items: center;
}

/* Mobile Toggle */
.mobile-menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 10px;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  width: 44px;
  height: 44px;
  justify-content: center;
  align-items: center;
}

.mobile-menu-toggle:focus-visible {
  outline: 2px solid var(--color-blue-primary);
}

.hamburger-bar {
  display: block;
  width: 20px;
  height: 2px;
  background-color: var(--color-navy);
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-bar:nth-child(2) {
  opacity: 0;
}

.mobile-menu-toggle[aria-expanded="true"] .hamburger-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.mobile-nav-panel {
  display: none;
  background-color: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  padding: 20px;
}

.mobile-nav-panel:not([hidden]) {
  display: block;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.mobile-nav-link {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-navy);
  display: block;
  padding: 8px 0;
  border-bottom: 1px solid var(--color-bg-soft);
}

.mobile-nav-call {
  width: 100%;
  margin-top: 8px;
}

/* --------------------------------------------------------------------------
   5. Hero Section & Pill Badge
   -------------------------------------------------------------------------- */
.hero-section {
  position: relative;
  padding: 68px 0 76px 0;
  background-color: #EEF6FF;
  background-image: 
    linear-gradient(90deg, rgba(255, 255, 255, 0.88) 0%, rgba(255, 255, 255, 0.76) 42%, rgba(255, 255, 255, 0.20) 70%, rgba(255, 255, 255, 0.05) 100%),
    url('https://images.unsplash.com/photo-1586498024141-1940debde48d?auto=format&fit=crop&w=1920&q=80');
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--color-border);
}

.hero-content {
  position: relative;
  z-index: 2;
}

.hero-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(255, 255, 255, 0.95);
  border: 1px solid var(--color-border);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-blue-primary);
  letter-spacing: 0.04em;
  margin-bottom: 16px;
  box-shadow: 0 2px 8px rgba(11, 31, 58, 0.06);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: start;
}

.hero-title {
  font-size: 2.625rem;
  color: var(--color-navy);
  margin-bottom: 18px;
  letter-spacing: -0.02em;
  text-shadow: 0 1px 2px rgba(255, 255, 255, 0.8);
}

.hero-subtext {
  font-size: 1.125rem;
  color: #1F2D42;
  line-height: 1.6;
  margin-bottom: 28px;
  font-weight: 500;
}

.hero-benefit-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 34px;
}

.hero-benefit-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-navy);
}

.hero-benefit-item .check-icon {
  flex-shrink: 0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 20px;
}

.hero-privacy-note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}

.hero-privacy-note svg {
  flex-shrink: 0;
  color: var(--color-blue-primary);
}

/* Hero Lead Form Card */
.hero-interactive-column {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.lead-form-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(220, 230, 242, 0.95);
  border-top: 4px solid var(--color-blue-primary);
  box-shadow: 0 16px 40px rgba(11, 31, 58, 0.16), 0 4px 12px rgba(11, 31, 58, 0.06);
  padding: 32px 28px;
  position: relative;
  z-index: 2;
}

.form-header {
  margin-bottom: 20px;
}

.form-title {
  font-size: 1.375rem;
  color: var(--color-navy);
  margin-bottom: 6px;
}

.form-subtitle {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
}

/* Quote Form Styling */
.quote-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy);
}

.req-star {
  color: var(--color-error);
}

.optional-label {
  font-weight: 400;
  color: var(--color-text-muted);
  font-size: 0.8125rem;
}

.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="email"],
.form-group select {
  width: 100%;
  min-height: 46px;
  padding: 10px 14px;
  font-family: var(--font-stack);
  font-size: 1rem;
  color: var(--color-text-dark);
  background-color: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-group input::placeholder {
  color: #98A2B3;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-blue-primary);
  box-shadow: 0 0 0 3px rgba(30, 94, 255, 0.15);
}

.form-group input[aria-invalid="true"],
.form-group select[aria-invalid="true"] {
  border-color: var(--color-error);
  background-color: var(--color-error-bg);
}

.select-wrapper {
  position: relative;
}

.select-wrapper select {
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  padding-right: 36px;
}

.select-wrapper::after {
  content: "";
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid var(--color-navy);
  pointer-events: none;
}

.field-error {
  font-size: 0.8125rem;
  color: var(--color-error);
  font-weight: 500;
  min-height: 18px;
  display: none;
}

.field-error:not(:empty) {
  display: block;
}

/* Checkbox Consent */
.consent-group {
  margin-top: 4px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

.checkbox-label input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.checkbox-custom {
  width: 20px;
  height: 20px;
  border: 1.5px solid var(--color-border);
  border-radius: 4px;
  background-color: var(--color-white);
  flex-shrink: 0;
  margin-top: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.checkbox-label input[type="checkbox"]:checked + .checkbox-custom {
  background-color: var(--color-blue-primary);
  border-color: var(--color-blue-primary);
}

.checkbox-label input[type="checkbox"]:checked + .checkbox-custom::after {
  content: "";
  width: 5px;
  height: 9px;
  border: solid var(--color-white);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg) translate(-1px, -1px);
}

.checkbox-label input[type="checkbox"]:focus-visible + .checkbox-custom {
  outline: 3px solid rgba(30, 94, 255, 0.4);
}

.checkbox-label input[type="checkbox"][aria-invalid="true"] + .checkbox-custom {
  border-color: var(--color-error);
  background-color: var(--color-error-bg);
}

.form-legal-text {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

.legal-link {
  color: var(--color-text-dark);
  text-decoration: underline;
}

.legal-link:hover {
  color: var(--color-blue-primary);
}

.btn-submit {
  width: 100%;
  font-size: 1.0625rem;
  padding: 14px 20px;
  margin-top: 4px;
}

.form-footer-note {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  text-align: center;
}

/* Success Panel */
.form-success-panel {
  text-align: center;
  padding: 24px 12px;
}

.form-success-panel:not([hidden]) {
  display: block;
}

.success-icon-wrap {
  margin-bottom: 14px;
}

.success-title {
  font-size: 1.25rem;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.success-msg {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin-bottom: 20px;
}

.success-callout {
  padding: 16px;
  background-color: var(--color-bg-soft);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--color-navy);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

/* Hero Image Container */
.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-soft);
  box-shadow: var(--shadow-sm);
}

.hero-img {
  width: 100%;
  height: 240px;
  object-fit: cover;
  object-position: center 25%;
}

.img-fallback-active {
  min-height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--color-bg-soft);
}

.img-caption-badge {
  position: absolute;
  bottom: 12px;
  left: 12px;
  right: 12px;
  background: rgba(11, 31, 58, 0.88);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  color: var(--color-white);
  font-size: 0.8125rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.img-caption-badge svg {
  color: var(--color-blue-light);
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   6. Trust Strip
   -------------------------------------------------------------------------- */
.trust-strip {
  background-color: var(--color-white);
  padding: 32px 0;
  border-bottom: 1px solid var(--color-border);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

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

.trust-icon-box {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-soft);
  border: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-text {
  display: flex;
  flex-direction: column;
}

.trust-text strong {
  font-size: 0.9375rem;
  color: var(--color-navy);
  line-height: 1.3;
}

.trust-text span {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   7. How It Works Section
   -------------------------------------------------------------------------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-bottom: 48px;
}

.step-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.step-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.step-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.step-number {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--color-navy);
  width: 44px;
  height: 44px;
  background-color: var(--color-bg-soft);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1.5px solid var(--color-border);
}

.step-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-soft);
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-title {
  font-size: 1.25rem;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.step-desc {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   8. Interactive Coverage Estimator Widget
   -------------------------------------------------------------------------- */
.estimator-tabs {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.estimator-tab {
  background-color: var(--color-white);
  border: 1.5px solid var(--color-border);
  color: var(--color-navy);
  font-family: var(--font-stack);
  font-size: 0.9375rem;
  font-weight: 700;
  padding: 12px 24px;
  border-radius: 30px;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.estimator-tab:hover {
  border-color: var(--color-blue-primary);
  color: var(--color-blue-primary);
}

.estimator-tab.active {
  background-color: var(--color-blue-primary);
  border-color: var(--color-blue-primary);
  color: var(--color-white);
  box-shadow: 0 4px 12px rgba(30, 94, 255, 0.25);
}

.estimator-card {
  max-width: 960px;
  margin: 0 auto;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
}

.estimator-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
}

.estimator-badge {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--color-blue-primary);
  background-color: var(--color-bg-soft);
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 12px;
}

.estimator-amount {
  font-size: 1.875rem;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.estimator-desc {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 24px;
}

.estimator-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.estimator-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-text-dark);
}

.estimator-cta-box {
  background-color: var(--color-bg-soft);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.estimator-cta-box h4 {
  font-size: 1.125rem;
  color: var(--color-navy);
  margin-bottom: 6px;
}

.estimator-cta-box p {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.4;
}

.estimator-note {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  display: block;
}

/* --------------------------------------------------------------------------
   9. Expenses Covered Section
   -------------------------------------------------------------------------- */
.expense-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-bottom: 32px;
}

.expense-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 26px 22px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.expense-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-blue-light);
}

.expense-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.expense-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-soft);
  display: flex;
  align-items: center;
  justify-content: center;
}

.expense-tag {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-blue-primary);
  background-color: var(--color-bg-soft);
  padding: 4px 8px;
  border-radius: 4px;
}

.expense-title {
  font-size: 1.0625rem;
  color: var(--color-navy);
  margin-bottom: 10px;
  line-height: 1.35;
}

.expense-text {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

.expense-footer-note {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  max-width: 820px;
  margin: 0 auto;
}

/* --------------------------------------------------------------------------
   10. Why Final Expense Section
   -------------------------------------------------------------------------- */
.two-column-layout {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
}

.section-lead-text {
  font-size: 1.0625rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 32px;
}

.benefit-cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

.benefit-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 20px;
  display: flex;
  gap: 14px;
  box-shadow: var(--shadow-sm);
}

.benefit-card-icon {
  flex-shrink: 0;
  margin-top: 2px;
}

.benefit-card-body h4 {
  font-size: 0.9375rem;
  color: var(--color-navy);
  margin-bottom: 6px;
  line-height: 1.35;
}

.benefit-card-body p {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

.section-disclosure-note {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  font-style: italic;
}

.lifestyle-image-container {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-soft);
  box-shadow: var(--shadow-md);
}

.lifestyle-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  object-position: center;
}

.image-overlay-card {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 16px;
  display: flex;
  gap: 14px;
  align-items: center;
}

.overlay-icon {
  flex-shrink: 0;
}

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

.overlay-text strong {
  font-size: 0.9375rem;
  color: var(--color-navy);
}

.overlay-text span {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.35;
}

/* --------------------------------------------------------------------------
   11. Who It's For Section
   -------------------------------------------------------------------------- */
.who-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: center;
}

.who-checklist {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 32px;
}

.who-check-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background-color: var(--color-bg-soft);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
}

.who-check-icon {
  flex-shrink: 0;
  margin-top: 2px;
}

.who-check-content strong {
  font-size: 1rem;
  color: var(--color-navy);
  display: block;
  margin-bottom: 4px;
}

.who-check-content p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

.who-action-wrap {
  display: flex;
}

/* --------------------------------------------------------------------------
   12. Coverage Options Section
   -------------------------------------------------------------------------- */
.coverage-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.coverage-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 38px 30px;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.coverage-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.2);
}

.coverage-icon-box {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}

.coverage-card-title {
  font-size: 1.3125rem;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.coverage-card-desc {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 28px;
  flex-grow: 1;
}

.coverage-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-blue-primary);
  margin-top: auto;
}

.coverage-link:hover {
  color: var(--color-blue-hover);
  text-decoration: underline;
}

.coverage-link svg {
  transition: transform var(--transition-fast);
}

.coverage-link:hover svg {
  transform: translateX(4px);
}

/* --------------------------------------------------------------------------
   13. Middle CTA Section
   -------------------------------------------------------------------------- */
.middle-cta-section {
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.middle-cta-inner {
  max-width: 680px;
  margin: 0 auto;
}

.middle-cta-text {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  margin: 14px 0 28px 0;
}

.middle-cta-actions {
  margin-bottom: 12px;
}

.cta-sub-note {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   14. Testimonials Section
   -------------------------------------------------------------------------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-bottom: 36px;
}

.testimonial-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 32px 26px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.quote-icon {
  margin-bottom: 16px;
}

.testimonial-quote {
  font-size: 1.0625rem;
  font-style: italic;
  color: var(--color-text-dark);
  line-height: 1.6;
  margin-bottom: 24px;
  flex-grow: 1;
}

.testimonial-author {
  border-top: 1px solid var(--color-border);
  padding-top: 14px;
}

.author-label {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--color-text-muted);
  display: block;
}

.testimonials-disclaimer {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  max-width: 720px;
  margin: 0 auto;
  font-style: italic;
}

/* --------------------------------------------------------------------------
   15. FAQ Section & Accordion
   -------------------------------------------------------------------------- */
.faq-container {
  max-width: 860px;
}

.accordion {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.accordion-item {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.accordion-item:focus-within {
  border-color: var(--color-blue-primary);
}

.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  font-family: var(--font-stack);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-navy);
  text-align: left;
  cursor: pointer;
  min-height: 48px;
}

.accordion-trigger:hover {
  color: var(--color-blue-primary);
}

.accordion-trigger:focus-visible {
  outline: 2px solid var(--color-blue-primary);
  outline-offset: -2px;
}

.accordion-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background-color: var(--color-bg-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-blue-primary);
}

.accordion-icon .icon-minus {
  display: none;
}

.accordion-trigger[aria-expanded="true"] .accordion-icon {
  background-color: var(--color-blue-primary);
  color: var(--color-white);
}

.accordion-trigger[aria-expanded="true"] .icon-plus {
  display: none;
}

.accordion-trigger[aria-expanded="true"] .icon-minus {
  display: block;
}

.accordion-panel {
  display: none;
}

.accordion-panel:not([hidden]) {
  display: block;
}

.accordion-body {
  padding: 0 24px 22px 24px;
  border-top: 1px solid transparent;
}

.accordion-body p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   16. Next Steps / Assurance CTA Section
   -------------------------------------------------------------------------- */
.cta-assurance-section {
  background: linear-gradient(135deg, #0B1F3A 0%, #112D55 100%);
  border-top: 1px solid var(--color-border);
  padding: 80px 0;
  color: var(--color-white);
  position: relative;
  overflow: hidden;
}

.cta-assurance-section::before {
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(30, 94, 255, 0.15) 0%, transparent 70%);
  pointer-events: none;
}

.cta-assurance-card {
  max-width: 960px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}

.cta-assurance-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(30, 94, 255, 0.2);
  border: 1px solid rgba(53, 167, 255, 0.4);
  color: #8acaff;
  padding: 6px 16px;
  border-radius: 9999px;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.cta-assurance-title {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--color-white);
  line-height: 1.25;
  margin-bottom: 16px;
}

.cta-assurance-desc {
  font-size: 1.125rem;
  color: var(--color-text-light-muted);
  max-width: 720px;
  margin: 0 auto 48px auto;
  line-height: 1.6;
}

.cta-assurance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
  text-align: left;
}

.cta-assurance-item {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  backdrop-filter: blur(8px);
  transition: transform 0.2s ease, border-color 0.2s ease;
}

.cta-assurance-item:hover {
  transform: translateY(-3px);
  border-color: rgba(53, 167, 255, 0.5);
}

.cta-assurance-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(30, 94, 255, 0.2);
  border: 1px solid rgba(30, 94, 255, 0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.cta-assurance-text h3 {
  font-size: 1.125rem;
  color: var(--color-white);
  font-weight: 700;
  margin-bottom: 8px;
}

.cta-assurance-text p {
  font-size: 0.9375rem;
  color: var(--color-text-light-muted);
  line-height: 1.5;
  margin: 0;
}

.cta-assurance-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
}

.cta-assurance-action .btn-lg {
  padding: 18px 36px;
  font-size: 1.125rem;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 8px 24px rgba(30, 94, 255, 0.35);
}

.cta-assurance-subnote {
  font-size: 0.875rem;
  color: var(--color-text-light-muted);
  font-weight: 500;
}

/* Partner Grid in Legal Pages */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 16px;
  margin: 20px 0;
}

.partner-card {
  background: var(--color-bg-soft);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
}

.partner-card h4 {
  font-size: 1rem;
  color: var(--color-navy);
  margin-bottom: 4px;
  font-weight: 700;
}

.partner-card p {
  font-size: 0.8125rem !important;
  color: var(--color-text-muted) !important;
  margin: 0 !important;
}

.legal-contact-box {
  background: var(--color-bg-soft);
  border-left: 4px solid var(--color-blue-primary);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  margin: 16px 0;
}

.legal-contact-box h3 {
  font-size: 1.0625rem;
  color: var(--color-navy);
  margin-bottom: 8px;
}

.btn-block {
  width: 100%;
  display: block;
  text-align: center;
}

@media (max-width: 992px) {
  .cta-assurance-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
}

/* --------------------------------------------------------------------------
   17. Legal Pages Styling
   -------------------------------------------------------------------------- */
.legal-page-main {
  padding: 60px 0 90px 0;
  background-color: var(--color-bg-soft);
  min-height: calc(100vh - 76px - 300px);
}

.legal-header {
  max-width: 800px;
  margin: 0 auto 40px auto;
}

.legal-title {
  font-size: 2.5rem;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.legal-subtitle {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

.legal-content-card {
  max-width: 920px;
  margin: 0 auto;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.legal-section h2 {
  font-size: 1.25rem;
  color: var(--color-navy);
  margin-bottom: 12px;
  border-bottom: 2px solid var(--color-bg-soft);
  padding-bottom: 6px;
}

.legal-section p {
  font-size: 0.9375rem;
  color: var(--color-text-dark);
  line-height: 1.65;
  margin-bottom: 12px;
}

.legal-section p:last-child {
  margin-bottom: 0;
}

.legal-list {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 14px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-list li {
  font-size: 0.9375rem;
  color: var(--color-text-dark);
  line-height: 1.6;
}

.legal-callout-box {
  background-color: var(--color-bg-soft);
  border-left: 4px solid var(--color-blue-primary);
  padding: 16px 20px;
  border-radius: 4px;
  margin: 16px 0;
}

.legal-callout-box p {
  font-size: 0.875rem;
  color: var(--color-navy);
  margin: 0;
}

.legal-contact-block {
  background-color: var(--color-bg-soft);
  border: 1px solid var(--color-border);
  padding: 18px 22px;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   18. Site Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-navy);
  color: var(--color-text-light-muted);
  padding: 70px 0 40px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-logo {
  margin-bottom: 16px;
}

.footer-tagline-text {
  font-size: 0.875rem;
  color: var(--color-text-light-muted);
  line-height: 1.55;
  max-width: 420px;
}

.footer-col-title {
  font-size: 1rem;
  color: var(--color-white);
  margin-bottom: 18px;
  font-weight: 600;
}

.footer-contact-list,
.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-list li {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.contact-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-blue-light);
}

.footer-link {
  color: var(--color-text-light-muted);
  font-size: 0.9375rem;
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: var(--color-white);
}

.footer-disclaimers {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 30px 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.disclaimer-paragraph {
  font-size: 0.75rem;
  color: var(--color-text-light-muted);
  line-height: 1.6;
}

.disclaimer-paragraph strong {
  color: var(--color-white);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  text-align: left;
}

.footer-bottom p,
.footer-credit {
  font-size: 0.8125rem;
  color: var(--color-text-light-muted);
  margin: 0;
}

.footer-credit a {
  color: var(--color-blue-light);
  font-weight: 600;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-credit a:hover {
  color: var(--color-white);
  text-decoration: underline;
}

/* --------------------------------------------------------------------------
   19. Mobile Sticky CTA Bar
   -------------------------------------------------------------------------- */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 999;
  background-color: var(--color-white);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -4px 16px rgba(11, 31, 58, 0.12);
  padding: 10px 16px;
  gap: 10px;
}

.mobile-sticky-bar .btn {
  flex: 1;
  font-size: 0.9375rem;
}

/* --------------------------------------------------------------------------
   20. Complete Responsive Media Queries (Mobile, Tablet, Desktop)
   -------------------------------------------------------------------------- */

/* Large Desktop / High-Resolution (1280px and up) */
@media (min-width: 1280px) {
  .hero-section {
    padding: 76px 0 84px 0;
  }
}

/* Medium Desktop / Laptops (993px - 1200px) */
@media (max-width: 1200px) {
  .hero-grid {
    gap: 36px;
  }

  .hero-title {
    font-size: 2.375rem;
  }

  .steps-grid {
    gap: 20px;
  }

  .expense-cards-grid {
    gap: 16px;
  }
}

/* Tablets Landscape & Portrait (up to 992px) */
@media (max-width: 992px) {
  .hero-section {
    padding: 48px 0 56px 0;
    background-image: 
      linear-gradient(180deg, rgba(255, 255, 255, 0.90) 0%, rgba(255, 255, 255, 0.82) 35%, rgba(238, 246, 255, 0.60) 100%),
      url('https://images.unsplash.com/photo-1586498024141-1940debde48d?auto=format&fit=crop&w=1200&q=80');
    background-position: center top;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-content {
    max-width: 680px;
    margin: 0 auto;
    text-align: left;
  }

  .lead-form-card {
    max-width: 580px;
    margin: 0 auto;
    width: 100%;
  }

  .desktop-nav,
  .header-action {
    display: none;
  }

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

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

  .expense-cards-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
  }

  .estimator-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .steps-grid,
  .coverage-cards-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .two-column-layout,
  .who-grid,
  .final-form-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .lifestyle-img {
    height: 340px;
    width: 100%;
    object-fit: cover;
  }

  .mobile-sticky-bar {
    display: flex;
  }

  .has-sticky-bar .site-footer,
  body:has(.mobile-sticky-bar) .site-footer {
    padding-bottom: calc(40px + 68px + env(safe-area-inset-bottom, 0px));
  }
}

/* Tablet Portrait & Large Phones (up to 768px) */
@media (max-width: 768px) {
  .section {
    padding: 56px 0;
  }

  .hero-title {
    font-size: 2.125rem;
  }

  .section-title {
    font-size: 1.875rem;
  }

  .section-subtitle {
    font-size: 1rem;
  }

  .hero-actions {
    flex-direction: column;
    gap: 12px;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .estimator-card {
    padding: 30px 22px;
  }

  .estimator-tabs {
    gap: 8px;
  }

  .estimator-tab {
    padding: 10px 18px;
    font-size: 0.875rem;
  }

  .final-form-card {
    padding: 28px 20px;
  }

  .final-call-box {
    text-align: center;
    align-items: center;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
    text-align: left;
  }
}

/* Standard Mobile Phones (up to 576px) */
@media (max-width: 576px) {
  .section {
    padding: 44px 0;
  }

  .container {
    padding-left: 16px;
    padding-right: 16px;
  }

  .hero-section {
    padding: 36px 0 44px 0;
  }

  .hero-title {
    font-size: 1.85rem;
    line-height: 1.22;
  }

  .hero-subtext {
    font-size: 1rem;
    margin-bottom: 22px;
  }

  .hero-benefit-item {
    font-size: 0.9375rem;
    align-items: flex-start;
  }

  .hero-benefit-item .check-icon {
    margin-top: 2px;
  }

  .section-title {
    font-size: 1.55rem;
    line-height: 1.25;
  }

  .eyebrow {
    font-size: 0.6875rem;
  }

  .form-row-2 {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .trust-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .expense-cards-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .benefit-cards-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .lead-form-card,
  .final-form-card,
  .legal-content-card,
  .estimator-card {
    padding: 22px 16px;
    border-radius: var(--radius-md);
  }

  .form-title {
    font-size: 1.2rem;
  }

  .form-subtitle {
    font-size: 0.875rem;
  }

  /* Prevent iOS zoom & enhance touch target */
  .form-group input,
  .form-group select {
    font-size: 16px;
    min-height: 48px;
    padding: 12px 14px;
  }

  .btn-submit {
    min-height: 50px;
    font-size: 1.0625rem;
    padding: 14px 16px;
  }

  .estimator-tabs {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 6px;
    width: 100%;
  }

  .estimator-tab {
    padding: 10px 6px;
    font-size: 0.8125rem;
    text-align: center;
    border-radius: 20px;
  }

  .estimator-amount {
    font-size: 1.5rem;
  }

  .lifestyle-img {
    height: 250px;
  }

  .image-overlay-card {
    bottom: 12px;
    left: 12px;
    right: 12px;
    padding: 12px 14px;
    gap: 10px;
  }

  .overlay-text strong {
    font-size: 0.8125rem;
  }

  .overlay-text span {
    font-size: 0.75rem;
  }

  .mobile-sticky-bar {
    padding: 8px 12px;
    gap: 8px;
  }

  .mobile-sticky-bar .btn {
    font-size: 0.875rem;
    padding: 10px 12px;
    min-height: 46px;
  }

  .footer-col-brand .brand-name {
    font-size: 1.15rem;
  }
}

/* Compact Mobile Screens (320px - 380px) */
@media (max-width: 380px) {
  .header-inner {
    height: 66px;
  }

  .brand-logo {
    gap: 8px;
  }

  .brand-logo-img {
    height: 42px;
  }

  .logo-icon {
    width: 32px;
    height: 32px;
  }

  .brand-name {
    font-size: 1.05rem;
  }

  .brand-tagline {
    font-size: 0.58rem;
  }

  .hero-title {
    font-size: 1.6rem;
  }

  .hero-badge-pill {
    font-size: 0.65rem;
    padding: 4px 10px;
  }

  .lead-form-card,
  .final-form-card {
    padding: 18px 12px;
  }

  .estimator-tab {
    font-size: 0.75rem;
    padding: 8px 4px;
  }
}

/* --------------------------------------------------------------------------
   21. Back to Top Floating Button
   -------------------------------------------------------------------------- */
.back-to-top-btn {
  position: fixed;
  right: 28px;
  bottom: 28px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, #1E5EFF 0%, #0B1F3A 100%);
  color: #FFFFFF;
  border: 1.5px solid rgba(53, 167, 255, 0.45);
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.28), 0 2px 8px rgba(0, 0, 0, 0.16);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 995;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px) scale(0.9);
  transition: opacity 0.28s ease, visibility 0.28s ease, transform 0.28s cubic-bezier(0.16, 1, 0.3, 1), background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
  outline: none;
}

.back-to-top-btn.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

.back-to-top-btn:hover {
  background: linear-gradient(135deg, #35A7FF 0%, #1E5EFF 100%);
  border-color: #F4B740;
  color: #FFFFFF;
  transform: translateY(-3px) scale(1.06);
  box-shadow: 0 12px 28px rgba(30, 94, 255, 0.38), 0 4px 10px rgba(0, 0, 0, 0.2);
}

.back-to-top-btn:focus-visible {
  outline: 3px solid #F4B740;
  outline-offset: 3px;
}

.back-to-top-btn:active {
  transform: translateY(0) scale(0.96);
}

.back-to-top-btn svg {
  transition: transform 0.2s ease;
}

.back-to-top-btn:hover svg {
  transform: translateY(-2px);
}

/* Tablet & Mobile Placement (above sticky action bar) */
@media (max-width: 992px) {
  .back-to-top-btn {
    bottom: 78px;
    right: 16px;
    width: 44px;
    height: 44px;
  }
}