/* ===========================================================
   Evergreen Life Advisors — styles.css
   Palette: Evergreen #1F4D36 · Gold #C8A25A · Cream #FBF7EE
   =========================================================== */

:root {
  --green: #1F4D36;
  --green-deep: #163524;
  --green-soft: #2A6347;
  --gold: #C8A25A;
  --gold-soft: #E0C794;
  --gold-deep: #856B2C;
  --cream: #FBF7EE;
  --cream-warm: #F5EFE3;
  --ink: #1A1F1B;
  --ink-soft: #4A524C;
  --line: #E8E1D0;
  --white: #ffffff;

  --font-display: "Cormorant Garamond", "Georgia", serif;
  --font-body: "Inter Tight", -apple-system, BlinkMacSystemFont, sans-serif;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 10px rgba(31, 77, 54, 0.06);
  --shadow-md: 0 8px 30px rgba(31, 77, 54, 0.08);
  --shadow-lg: 0 24px 60px rgba(31, 77, 54, 0.12);
}

/* ---------- RESET ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--green); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--gold-deep); }
ul { list-style: none; padding: 0; margin: 0; }
button { font: inherit; cursor: pointer; border: 0; background: none; }
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- LAYOUT ---------- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Skip link for keyboard and screen reader users — invisible until focused */
.skip-link {
  position: absolute;
  left: 12px;
  top: -50px;
  z-index: 100;
  padding: 12px 18px;
  background: var(--green);
  color: var(--white) !important;
  font-weight: 500;
  border-radius: 8px;
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
  transition: top 0.2s ease;
}
.skip-link:focus {
  top: 12px;
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* ---------- TYPOGRAPHY ---------- */
.display, .display-md, h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--green-deep);
  margin: 0;
}
.display {
  font-size: clamp(2.5rem, 5.5vw, 4.4rem);
  line-height: 1.04;
  font-weight: 500;
}
.display em {
  font-style: italic;
  color: var(--green);
  position: relative;
}
.display em::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -0.05em;
  height: 6px;
  background: linear-gradient(90deg, transparent, var(--gold-soft) 20%, var(--gold-soft) 80%, transparent);
  opacity: 0.55;
  border-radius: 6px;
}
.display-md {
  font-size: clamp(2rem, 3.4vw, 3rem);
  line-height: 1.1;
}
.display-md em {
  font-style: italic;
  color: var(--gold-deep);
}

.lede {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 560px;
  margin: 1.4rem 0 0;
}
.lede-sm {
  color: var(--ink-soft);
  font-size: 1.05rem;
  margin: 1rem 0 1.5rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.eyebrow.center { justify-content: center; width: 100%; }
.eyebrow-line {
  width: 28px; height: 1px;
  background: var(--gold);
  display: inline-block;
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 26px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  text-decoration: none;
  transition: all .25s ease;
  cursor: pointer;
  white-space: nowrap;
  border: 1.5px solid transparent;
}
.btn-lg { padding: 17px 32px; font-size: 1rem; }
.btn-full { width: 100%; }

.btn-primary {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(31, 77, 54, 0.22);
}
.btn-primary:hover {
  background: var(--green-deep);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(31, 77, 54, 0.28);
}
.btn-primary svg { transition: transform .25s ease; }
.btn-primary:hover svg { transform: translateX(3px); }

.btn-gold {
  background: var(--gold);
  color: var(--green-deep);
  box-shadow: 0 6px 20px rgba(200, 162, 90, 0.35);
}
.btn-gold:hover {
  background: var(--gold-deep);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-gold svg { transition: transform .25s ease; }
.btn-gold:hover svg { transform: translateX(3px); }

.btn-ghost {
  background: transparent;
  color: var(--green-deep);
  border-color: rgba(31, 77, 54, 0.25);
}
.btn-ghost:hover {
  border-color: var(--green);
  background: rgba(31, 77, 54, 0.04);
  color: var(--green-deep);
}

/* ---------- HEADER ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 247, 238, 0.85);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand-mark { width: 44px; height: 44px; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--green-deep);
  letter-spacing: 0.02em;
}
.brand-sub {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--gold-deep);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-top: 4px;
}

.primary-nav ul {
  display: flex;
  gap: 36px;
  align-items: center;
}
.primary-nav a {
  font-size: 0.93rem;
  color: var(--ink);
  font-weight: 500;
  position: relative;
  padding: 4px 0;
}
.primary-nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 1.5px;
  background: var(--gold);
  transition: width .25s ease;
}
.primary-nav a:hover { color: var(--green); }
.primary-nav a:hover::after { width: 100%; }

.btn-header { padding: 10px 22px; font-size: 0.9rem; }
.btn-header + .btn-header { margin-left: 10px; }

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.menu-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--green-deep);
  border-radius: 2px;
  transition: all .25s ease;
}

.mobile-nav {
  display: none;
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 8px 24px 24px;
}
.mobile-nav ul { display: flex; flex-direction: column; gap: 4px; }
.mobile-nav a {
  display: block;
  padding: 14px 0;
  font-size: 1.05rem;
  color: var(--ink);
  border-bottom: 1px solid var(--line);
}
.mobile-nav a.btn-primary {
  border-bottom: 0;
  margin-top: 16px;
  color: var(--white);
  text-align: center;
}
.mobile-nav.open { display: block; }

/* ---------- HERO ---------- */
.hero {
  position: relative;
  padding: clamp(60px, 8vw, 110px) 0 clamp(80px, 9vw, 130px);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 85% 20%, rgba(200, 162, 90, 0.12), transparent 55%),
    radial-gradient(ellipse at 15% 80%, rgba(31, 77, 54, 0.06), transparent 50%),
    var(--cream);
  z-index: -1;
}
.hero-grain {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 200'><filter id='n'><feTurbulence baseFrequency='0.9' numOctaves='2' seed='4'/><feColorMatrix values='0 0 0 0 0.12 0 0 0 0 0.3 0 0 0 0 0.21 0 0 0 0.05 0'/></filter><rect width='200' height='200' filter='url(%23n)'/></svg>");
  opacity: 0.6;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.hero-copy {
  animation: fadeUp 1s ease-out both;
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 2.2rem;
}
.trust-line {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 2rem;
  color: var(--ink-soft);
  font-size: 0.95rem;
  font-style: italic;
}

/* Hero visual */
.hero-visual {
  position: relative;
  animation: fadeUp 1.1s ease-out 0.15s both;
}
.hero-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(31, 77, 54, 0.08);
}
.hero-card-main {
  background: var(--cream-warm);
  aspect-ratio: 5 / 6;
  max-width: 480px;
  margin-left: auto;
}
.hero-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  /* Subtle warm tone shift to harmonize with the cream/green palette */
  filter: saturate(0.95) contrast(1.02);
}
/* Soft gradient at the bottom of the photo for legibility of any future overlay */
.hero-card-main::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg,
              rgba(31, 77, 54, 0.05) 0%,
              transparent 30%,
              transparent 70%,
              rgba(31, 77, 54, 0.15) 100%);
  pointer-events: none;
}

.hero-stat {
  position: absolute;
  background: var(--white);
  border-radius: 14px;
  box-shadow: var(--shadow-md);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid rgba(200, 162, 90, 0.2);
}
.hero-stat-1 {
  bottom: -28px;
  left: -20px;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  padding: 18px 26px;
  animation: float 6s ease-in-out infinite;
}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 600;
  color: var(--green-deep);
  line-height: 1;
}
.hero-stat-label {
  font-size: 0.78rem;
  color: var(--ink-soft);
  letter-spacing: 0.04em;
  max-width: 130px;
}
.hero-stat-2 {
  top: 30px;
  right: -10px;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--green-deep);
  animation: float 7s ease-in-out infinite reverse;
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* ---------- TRUST BAR ---------- */
.trust-bar {
  background: var(--white);
  padding: 36px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.trust-grid li {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.95rem;
  color: var(--ink);
  font-weight: 500;
}
.trust-grid svg { flex-shrink: 0; }

/* ---------- SECTION HEADER ---------- */
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}
.section-header .display-md { margin-top: 14px; }
.section-sub {
  color: var(--ink-soft);
  margin-top: 14px;
  font-size: 1.05rem;
}
.center { text-align: center; }

/* ---------- QUOTE CHOOSER CARDS ---------- */
.quote-chooser {
  padding: clamp(60px, 8vw, 100px) 0 clamp(30px, 4vw, 50px);
  background: var(--cream);
}

.chooser-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  max-width: 980px;
  margin: 0 auto;
}

.chooser-card {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 36px 36px;
  border: 1.5px solid var(--line);
  transition: all .3s ease;
  text-decoration: none;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.chooser-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s ease;
}
.chooser-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-soft);
  color: var(--ink);
}
.chooser-card:hover::before { transform: scaleX(1); }
.chooser-card:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 4px;
}

.chooser-card-quick {
  background: linear-gradient(180deg, var(--white) 0%, #FDFAF2 100%);
  border-color: var(--gold-soft);
  box-shadow: var(--shadow-md);
}
.chooser-card-quick::before { transform: scaleX(1); }

.chooser-tag {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--green);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
}

.chooser-icon {
  width: 68px; height: 68px;
  border-radius: 18px;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  border: 1px solid var(--line);
}

.chooser-card h3 {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 500;
  color: var(--green-deep);
  margin: 0 0 6px;
  letter-spacing: -0.01em;
}

.chooser-time {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--gold-deep);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin: 0 0 18px;
}

.chooser-desc {
  font-size: 1rem;
  color: var(--ink-soft);
  line-height: 1.6;
  margin: 0 0 20px;
}

.chooser-features {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex-grow: 1;
}
.chooser-features li {
  position: relative;
  padding-left: 24px;
  font-size: 0.95rem;
  color: var(--ink);
}
.chooser-features li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.chooser-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 999px;
  background: var(--green);
  color: var(--white);
  font-weight: 500;
  font-size: 0.95rem;
  transition: all .25s ease;
  align-self: flex-start;
}
.chooser-card:hover .chooser-cta {
  background: var(--green-deep);
  transform: translateX(2px);
}
.chooser-card:hover .chooser-cta svg {
  transform: translateX(3px);
}
.chooser-cta svg {
  transition: transform .25s ease;
}

@media (max-width: 768px) {
  .chooser-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .chooser-card {
    padding: 32px 28px 28px;
  }
}

/* ---------- QUOTE FORM ---------- */
.quote {
  padding: clamp(70px, 9vw, 110px) 0;
  background:
    linear-gradient(180deg, var(--cream) 0%, var(--cream-warm) 100%);
  position: relative;
}
.quote::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--line) 30%, var(--line) 70%, transparent);
}
.quote-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.quote-intro p {
  color: var(--ink-soft);
  margin: 1rem 0 1.8rem;
  max-width: 460px;
  font-size: 1.02rem;
}
.quote-intro h2 { margin-top: 14px; }

.quote-bullets {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.quote-bullets li {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  font-size: 0.98rem;
}
.quote-bullets .check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: rgba(200, 162, 90, 0.18);
  color: var(--gold-deep);
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
}

.quote-form {
  background: var(--white);
  padding: clamp(28px, 4vw, 44px);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
  position: relative;
}
.quote-form::before {
  content: "";
  position: absolute;
  top: 0; left: 28px; right: 28px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft), var(--gold));
  border-radius: 0 0 6px 6px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
  position: relative;
}
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.field label {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--green-deep);
  letter-spacing: 0.02em;
}
.field input,
.field select {
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  background: var(--cream);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  transition: all .2s ease;
  width: 100%;
}
.field input:hover,
.field select:hover {
  border-color: rgba(31, 77, 54, 0.3);
}
.field input:focus,
.field select:focus {
  border-color: var(--green);
  background: var(--white);
  outline: none;
  box-shadow: 0 0 0 4px rgba(31, 77, 54, 0.08);
}
.field input.invalid,
.field select.invalid {
  border-color: #C24A4A;
  background: #FDF6F6;
}

.field select {
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M6 9l6 6 6-6' stroke='%231F4D36' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 16px center;
  background-size: 16px;
  padding-right: 44px;
}

.error {
  font-size: 0.8rem;
  color: #C24A4A;
  min-height: 1em;
  margin-top: 2px;
}

.quote-form .btn-primary { margin-top: 8px; }

/* ---------- TCPA Consent Checkbox ---------- */
.consent-field {
  margin-bottom: 18px;
}
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  background: var(--cream-warm);
  border: 1.5px solid var(--line);
  border-radius: 10px;
  padding: 14px 16px;
  transition: all .2s ease;
}
.consent-label:hover {
  border-color: rgba(31, 77, 54, 0.3);
  background: var(--cream);
}
.consent-label:has(input:checked) {
  border-color: var(--green);
  background: var(--white);
}
.consent-label input[type="checkbox"] {
  /* Hide native checkbox, but keep accessible */
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
  margin: 0;
  padding: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
}
.consent-checkbox {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border: 1.5px solid var(--green);
  border-radius: 5px;
  background: var(--white);
  position: relative;
  transition: all .15s ease;
  margin-top: 2px;
}
.consent-checkbox::after {
  content: "";
  position: absolute;
  left: 6px;
  top: 2px;
  width: 6px;
  height: 11px;
  border: solid var(--white);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg) scale(0);
  transition: transform .15s ease;
}
.consent-label input:checked ~ .consent-checkbox {
  background: var(--green);
  border-color: var(--green);
}
.consent-label input:checked ~ .consent-checkbox::after {
  transform: rotate(45deg) scale(1);
}
.consent-label input:focus-visible ~ .consent-checkbox {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}
.consent-text {
  font-size: 0.78rem;
  color: var(--ink-soft);
  line-height: 1.55;
}
.consent-text strong {
  color: var(--green-deep);
  font-weight: 600;
}
.consent-text a {
  color: var(--green);
  text-decoration: underline;
  font-weight: 500;
}
.consent-text a:hover {
  color: var(--gold-deep);
}

.form-disclaimer {
  font-size: 0.78rem;
  color: var(--ink-soft);
  line-height: 1.55;
  margin: 18px 0 0;
}
.form-disclaimer a {
  color: var(--green);
  text-decoration: underline;
}

.form-success {
  text-align: center;
  padding: 36px 20px;
}
.form-success svg {
  margin: 0 auto 14px;
}
.form-success strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.7rem;
  color: var(--green-deep);
  margin-bottom: 8px;
}
.form-success p {
  color: var(--ink-soft);
  margin: 0;
}

/* ---------- HOW IT WORKS ---------- */
.how-it-works {
  padding: clamp(70px, 9vw, 110px) 0;
  background: var(--white);
}
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}
.steps::before {
  content: "";
  position: absolute;
  top: 38px;
  left: 16%;
  right: 16%;
  height: 1px;
  border-top: 1.5px dashed var(--gold-soft);
  z-index: 0;
}
.step {
  text-align: center;
  padding: 0 12px;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 76px; height: 76px;
  margin: 0 auto 22px;
  border-radius: 50%;
  background: var(--cream);
  border: 1.5px solid var(--gold-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--green-deep);
  position: relative;
  transition: all .3s ease;
}
.step-num::before {
  content: "";
  position: absolute;
  inset: -6px;
  border: 1px solid rgba(200, 162, 90, 0.3);
  border-radius: 50%;
  transition: all .3s ease;
}
.step:hover .step-num {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
  transform: translateY(-3px);
}
.step:hover .step-num::before {
  inset: -10px;
  border-color: var(--gold);
}
.step h3 {
  font-size: 1.4rem;
  margin-bottom: 12px;
}
.step p {
  color: var(--ink-soft);
  font-size: 0.98rem;
  margin: 0;
  line-height: 1.6;
}

/* ---------- COVERAGE ---------- */
.coverage {
  padding: clamp(70px, 9vw, 110px) 0;
  background: var(--cream-warm);
}
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.coverage-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--line);
  transition: all .3s ease;
  position: relative;
  overflow: hidden;
}
.coverage-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s ease;
}
.coverage-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-soft);
}
.coverage-card:hover::before { transform: scaleX(1); }

.coverage-card.featured {
  background: linear-gradient(180deg, var(--white) 0%, #FDFAF2 100%);
  border-color: var(--gold-soft);
  box-shadow: var(--shadow-md);
}
.coverage-card.featured::before { transform: scaleX(1); }

.coverage-tag {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--green);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
}

.coverage-icon {
  width: 64px; height: 64px;
  border-radius: 16px;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  border: 1px solid var(--line);
}
.coverage-card h3 {
  font-size: 1.55rem;
  margin-bottom: 12px;
  color: var(--green-deep);
}
.coverage-card p {
  color: var(--ink-soft);
  font-size: 0.98rem;
  margin: 0;
  line-height: 1.65;
}

/* ---------- WHY ---------- */
.why {
  padding: clamp(70px, 9vw, 120px) 0;
  background: var(--white);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.why-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
  aspect-ratio: 5 / 6;
  max-width: 480px;
}
.why-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  filter: saturate(0.95) contrast(1.02);
}
.why-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 8px;
}
.why-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 1.02rem;
  color: var(--ink);
  padding: 4px 0;
}
.why-list svg { flex-shrink: 0; margin-top: 4px; }

/* ---------- CTA BAND ---------- */
.cta-band {
  position: relative;
  padding: clamp(80px, 10vw, 130px) 0;
  text-align: center;
  overflow: hidden;
  color: var(--white);
}
.cta-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 30% 30%, rgba(200, 162, 90, 0.18), transparent 50%),
    radial-gradient(ellipse at 70% 70%, rgba(200, 162, 90, 0.12), transparent 55%),
    linear-gradient(135deg, var(--green-deep) 0%, var(--green) 100%);
  z-index: -1;
}
.cta-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 200'><filter id='n'><feTurbulence baseFrequency='0.85' numOctaves='2' seed='2'/><feColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 0.04 0'/></filter><rect width='200' height='200' filter='url(%23n)'/></svg>");
  opacity: 0.5;
}
.cta-inner { max-width: 820px; margin: 0 auto; }
.cta-title {
  color: var(--white);
  font-size: clamp(2.1rem, 4.2vw, 3.4rem);
}
.cta-title em {
  font-style: italic;
  color: var(--gold-soft);
}
.cta-title em::after { display: none; }
.cta-sub {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.8);
  margin: 22px auto 36px;
  max-width: 520px;
}

/* ---------- FAQ ---------- */
.faq {
  padding: clamp(70px, 9vw, 110px) 0;
  background: var(--cream);
}
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: flex-start;
}
.faq-intro p {
  color: var(--ink-soft);
  margin: 14px 0 22px;
}
.faq-intro h2 { margin-top: 14px; }
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  color: var(--green);
  font-size: 0.95rem;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 3px;
}
.link-arrow:hover {
  color: var(--gold-deep);
  border-color: var(--gold-deep);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--line);
  overflow: hidden;
  transition: all .25s ease;
}
.faq-item:hover { border-color: var(--gold-soft); }
.faq-item[open] {
  border-color: var(--gold-soft);
  box-shadow: var(--shadow-sm);
}
.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--green-deep);
  cursor: pointer;
  list-style: none;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-icon {
  width: 28px; height: 28px;
  flex-shrink: 0;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  position: relative;
  transition: all .3s ease;
}
.faq-icon::before,
.faq-icon::after {
  content: "";
  position: absolute;
  background: var(--gold-deep);
  border-radius: 1px;
  transition: all .25s ease;
}
.faq-icon::before {
  left: 50%; top: 50%;
  width: 10px; height: 1.5px;
  transform: translate(-50%, -50%);
}
.faq-icon::after {
  left: 50%; top: 50%;
  width: 1.5px; height: 10px;
  transform: translate(-50%, -50%);
}
.faq-item[open] .faq-icon { background: var(--gold); transform: rotate(180deg); }
.faq-item[open] .faq-icon::before { background: var(--white); }
.faq-item[open] .faq-icon::after { transform: translate(-50%, -50%) scaleY(0); }

.faq-answer {
  padding: 0 26px 24px;
  color: var(--ink-soft);
}
.faq-answer p { margin: 0; line-height: 1.7; }

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--green-deep);
  color: rgba(255, 255, 255, 0.75);
  padding: 70px 0 30px;
  position: relative;
}
.site-footer::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold) 20%, var(--gold) 80%, transparent);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.brand-footer .brand-name { color: var(--white); }
.brand-footer .brand-sub { color: var(--gold-soft); }
.footer-tag {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.15rem;
  color: var(--gold-soft);
  margin: 18px 0 0;
}
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a, .footer-col li {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
}
.footer-col a:hover { color: var(--gold-soft); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 30px;
  padding-top: 30px;
  flex-wrap: wrap;
}
.disclaimer {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
  max-width: 720px;
  line-height: 1.6;
  margin: 0;
}
.copy {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0;
  white-space: nowrap;
}

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

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 520px; margin: 0 auto; }
  .hero-stat-1 { left: 0; }
  .hero-stat-2 { right: 0; }

  .quote-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-grid { grid-template-columns: 1fr; }
  .why-visual { max-width: 480px; margin: 0 auto; }
  .faq-grid { grid-template-columns: 1fr; gap: 36px; }

  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }

  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

@media (max-width: 768px) {
  body { font-size: 16px; }
  .container { padding: 0 20px; }

  .primary-nav, .btn-header { display: none; }
  .menu-toggle { display: flex; }

  .menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle.active span:nth-child(2) { opacity: 0; }
  .menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  .hero { padding: 50px 0 80px; }
  .hero-actions .btn { flex: 1; min-width: 0; }
  .hero-stat-1 { bottom: -20px; left: 10px; padding: 14px 18px; }
  .hero-stat-num { font-size: 1.9rem; }
  .hero-stat-2 { top: 20px; right: 10px; padding: 12px 16px; font-size: 0.78rem; }

  .steps { grid-template-columns: 1fr; gap: 36px; }
  .steps::before { display: none; }

  .coverage-grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; gap: 0; }

  .footer-grid { grid-template-columns: 1fr; gap: 36px; padding-bottom: 36px; }
  .footer-bottom { flex-direction: column; gap: 16px; }

  .faq-item summary { font-size: 1.05rem; padding: 18px 20px; }
  .faq-answer { padding: 0 20px 20px; }
}

@media (max-width: 480px) {
  .trust-grid { grid-template-columns: 1fr; }
  .brand-name { font-size: 1.2rem; }
  .brand-mark { width: 38px; height: 38px; }
  .quote-form { padding: 26px 22px; }
  .coverage-card { padding: 28px 24px; }
}

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

/* ===========================================================
   Cookie consent banner
   =========================================================== */
.cookie-banner {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 9999;
  background: var(--green-deep);
  color: var(--white);
  border-radius: 14px;
  box-shadow: 0 12px 32px rgba(0,0,0,0.25);
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .3s ease, transform .3s ease;
  max-width: 920px;
  margin: 0 auto;
}
.cookie-banner-visible {
  opacity: 1;
  transform: translateY(0);
}
.cookie-banner-leaving {
  opacity: 0;
  transform: translateY(20px);
}
.cookie-banner-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 18px 22px;
}
.cookie-text {
  flex: 1;
  font-size: 0.88rem;
  line-height: 1.55;
}
.cookie-text strong {
  color: var(--gold-soft);
  font-weight: 600;
  display: inline-block;
  margin-right: 4px;
}
.cookie-text a {
  color: var(--gold-soft);
  text-decoration: underline;
  font-weight: 500;
}
.cookie-text a:hover {
  color: var(--white);
}
.cookie-actions {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
}
.btn-cookie {
  padding: 10px 20px;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 500;
  font-family: var(--font-body);
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all .2s ease;
  white-space: nowrap;
}
.btn-cookie-decline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-cookie-decline:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.08);
}
.btn-cookie-accept {
  background: var(--gold);
  color: var(--green-deep);
}
.btn-cookie-accept:hover {
  background: var(--gold-soft);
  transform: translateY(-1px);
}

@media (max-width: 640px) {
  .cookie-banner {
    left: 8px;
    right: 8px;
    bottom: 8px;
  }
  .cookie-banner-inner {
    flex-direction: column;
    align-items: stretch;
    gap: 14px;
    padding: 16px;
  }
  .cookie-actions {
    justify-content: stretch;
  }
  .btn-cookie {
    flex: 1;
  }
}