/* ==========================================================================
   INSURANCE CHOICE ADVISOR — PRODUCTION STYLESHEET
   Brand: Insurance Choice Advisor
   URL: https://www.insurancechoiceadvisor.com
   Palette: White (#FFFFFF), Warm Charcoal/Deep Plum (#27232D), Neutral Beige (#F7F5F2), Muted Gold (#B8955A)
   Strictly NO green, NO blue, NO bright red, NO generic healthcare blue.
   ========================================================================== */

/* --------------------------------------------------------------------------
   0. Google Fonts Import (with fallbacks)
   -------------------------------------------------------------------------- */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand Core Colors */
  --color-white: #FFFFFF;
  --color-dark: #27232D;             /* Warm charcoal / deep plum */
  --color-dark-surface: #1E1B24;     /* Deep charcoal plum surface */
  --color-dark-muted: #3A3442;       /* Charcoal plum secondary */
  
  --color-bg-light: #F7F5F2;         /* Primary light neutral background */
  --color-bg-warm: #FAF8F5;          /* Warm card/section surface */
  --color-bg-card: #FFFFFF;          /* Form and main card surface */
  --color-bg-subtle: #F1ECE4;        /* Slightly deeper neutral for badges/steps */

  /* Muted Gold Accents */
  --color-gold: #B8955A;             /* Signature muted gold highlight */
  --color-gold-hover: #9E7D45;       /* Darker gold for active/hover */
  --color-gold-light: #F7F2E8;       /* Very light gold wash */
  --color-gold-border: #D8C39E;      /* Elegant gold border */
  --color-gold-glow: rgba(184, 149, 90, 0.20);

  /* Typography / Text Colors (WCAG AAA / AA compliant) */
  --color-text-primary: #27232D;     /* Primary headings and dark text (Contrast > 13:1) */
  --color-text-body: #443E4B;        /* High-contrast readable body text (Contrast > 9:1) */
  --color-text-muted: #675F70;       /* Subheadings, captions, hints (Contrast > 5.5:1) */
  --color-text-light: #82788D;       /* Light metadata & inactive states */
  --color-text-inverse: #FFFFFF;     /* White text on dark backgrounds */
  --color-text-gold: #8E6E38;        /* Accessible darker gold for inline text */

  /* Borders & Dividers */
  --color-border: #E5E0D6;           /* Standard card and container border */
  --color-border-subtle: #EDE8E0;    /* Divider lines */
  --color-border-focus: #B8955A;     /* Accessible active focus ring */

  /* Status Colors (Strictly warm & deep tones — NO bright neon reds or greens) */
  --color-error-text: #8E2B2A;       /* Deep warm plum-crimson for high contrast */
  --color-error-border: #D89896;
  --color-error-bg: #FDF4F4;
  --color-success-text: #3D3528;     /* Warm bronze-brown success tone */
  --color-success-bg: #F7F2E8;
  --color-success-border: #D8C39E;

  /* Typography Families */
  --font-serif: 'DM Serif Display', Georgia, 'Times New Roman', serif;
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  /* Font Sizes & Spacing (Minimum 17px body for older adults) */
  --font-size-base: 1.0625rem;       /* 17px */
  --font-size-sm: 0.9375rem;         /* 15px */
  --font-size-xs: 0.875rem;          /* 14px for legal disclaimers */
  --line-height-body: 1.68;
  --line-height-heading: 1.25;

  /* Spacing Scale */
  --space-2xs: 0.25rem;
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4.5rem;
  --space-4xl: 6rem;

  /* Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Shadows (Subtle, elegant, non-harsh) */
  --shadow-sm: 0 2px 6px rgba(39, 35, 45, 0.04);
  --shadow-md: 0 6px 20px rgba(39, 35, 45, 0.06);
  --shadow-lg: 0 16px 36px rgba(39, 35, 45, 0.08);
  --shadow-xl: 0 24px 56px rgba(39, 35, 45, 0.12);
  --shadow-card: 0 8px 30px rgba(39, 35, 45, 0.07);

  /* Layout */
  --container-max-width: 1200px;
  --header-height: 82px;

  /* Transitions */
  --transition-fast: 180ms ease;
  --transition-normal: 280ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: 450ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* --------------------------------------------------------------------------
   2. Modern Reset & Base Elements
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

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

body {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  line-height: var(--line-height-body);
  color: var(--color-text-body);
  background-color: var(--color-bg-light);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

/* Headings */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-serif);
  color: var(--color-text-primary);
  line-height: var(--line-height-heading);
  font-weight: 400;
  letter-spacing: -0.015em;
}

h1 { font-size: clamp(2.15rem, 4.2vw, 3.25rem); }
h2 { font-size: clamp(1.85rem, 3.4vw, 2.5rem); }
h3 { font-size: clamp(1.35rem, 2.2vw, 1.75rem); }
h4 { font-size: 1.25rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

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

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

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

button {
  font-family: inherit;
  font-size: inherit;
  border: none;
  background: none;
  cursor: pointer;
  color: inherit;
}

/* Accessibility Focus Ring */
:focus-visible {
  outline: 3px solid var(--color-gold);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

/* Skip to Content for Screen Readers */
.skip-to-content {
  position: absolute;
  top: -100px;
  left: 20px;
  background: var(--color-dark);
  color: var(--color-white);
  padding: 12px 20px;
  z-index: 9999;
  font-weight: 600;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  transition: top var(--transition-fast);
}

.skip-to-content:focus {
  top: 20px;
}

/* --------------------------------------------------------------------------
   3. Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: clamp(1.25rem, 4vw, 2.5rem);
  padding-right: clamp(1.25rem, 4vw, 2.5rem);
}

.section {
  padding-top: clamp(3.5rem, 6vw, 6rem);
  padding-bottom: clamp(3.5rem, 6vw, 6rem);
}

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

.section-dark h2,
.section-dark h3,
.section-dark p {
  color: var(--color-white);
}

.section-dark .section-subtitle {
  color: #D3CAD8;
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto clamp(2.5rem, 4.5vw, 4rem);
}

.section-header.text-left {
  text-align: left;
  margin-left: 0;
}

.section-eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-gold);
  margin-bottom: 0.75rem;
}

.section-dark .section-eyebrow {
  color: #D6C29E;
}

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

.section-subtitle {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   4. Buttons & Interactive Controls
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  font-weight: 600;
  line-height: 1.2;
  padding: 0.95rem 1.85rem;
  border-radius: var(--radius-md);
  text-align: center;
  white-space: nowrap;
  transition: all var(--transition-normal);
  cursor: pointer;
  text-decoration: none;
  border: 1px solid transparent;
  min-height: 52px;
}

.btn-primary {
  background-color: var(--color-dark);
  color: var(--color-white);
  border-color: var(--color-dark);
  box-shadow: 0 4px 14px rgba(39, 35, 45, 0.18);
}

.btn-primary:hover {
  background-color: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px var(--color-gold-glow);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-gold {
  background-color: var(--color-gold);
  color: var(--color-white);
  border-color: var(--color-gold);
  box-shadow: 0 4px 14px var(--color-gold-glow);
}

.btn-gold:hover {
  background-color: var(--color-gold-hover);
  border-color: var(--color-gold-hover);
  color: var(--color-white);
  transform: translateY(-2px);
}

.btn-secondary {
  background-color: var(--color-white);
  color: var(--color-dark);
  border-color: var(--color-border);
}

.btn-secondary:hover {
  background-color: var(--color-bg-warm);
  border-color: var(--color-gold);
  color: var(--color-dark);
  transform: translateY(-2px);
}

.btn-sm {
  min-height: 44px;
  padding: 0.65rem 1.35rem;
  font-size: 0.95rem;
}

.btn-full {
  width: 100%;
}

.btn-link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-dark);
  padding: 0.25rem 0;
  border-bottom: 1.5px solid var(--color-gold);
  transition: all var(--transition-fast);
}

.btn-link:hover {
  color: var(--color-gold);
  border-bottom-color: var(--color-dark);
  padding-left: 3px;
}

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

.btn-link:hover svg {
  transform: translateX(3px);
}

/* --------------------------------------------------------------------------
   5. Sticky Header & Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--color-border-subtle);
  transition: box-shadow var(--transition-fast);
}

.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
}

/* Brand Wordmark & Shield Logo */
.logo-link {
  display: inline-flex;
  align-items: center;
  gap: 0.875rem;
  text-decoration: none;
}

.logo-symbol {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}

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

.logo-title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 600;
  line-height: 1.15;
  color: var(--color-dark);
  letter-spacing: -0.01em;
}

.logo-subtitle {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-top: 1px;
}

/* Navigation Links */
.nav-menu {
  display: flex;
  align-items: center;
  gap: clamp(1.25rem, 2vw, 2rem);
  list-style: none;
}

.nav-link {
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--color-text-body);
  position: relative;
  padding: 0.5rem 0;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background-color: var(--color-gold);
  transition: width var(--transition-fast);
}

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

.nav-link:hover::after {
  width: 100%;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.header-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-primary);
  text-decoration: none;
  padding: 0.4rem 0.6rem;
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast);
}

.header-phone-link svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

.header-phone-link:hover {
  color: var(--color-gold);
}

.header-phone-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}

.header-phone-label {
  font-size: 0.725rem;
  font-weight: 500;
  color: var(--color-text-muted);
}

.header-phone-number {
  font-weight: 700;
  font-size: 0.95rem;
}

/* Hamburger Button */
.hamburger-btn {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  cursor: pointer;
  z-index: 1002;
}

.hamburger-line {
  display: block;
  width: 100%;
  height: 2px;
  background-color: var(--color-dark);
  border-radius: 2px;
  transition: transform var(--transition-normal), opacity var(--transition-normal);
}

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

.hamburger-btn[aria-expanded="true"] .hamburger-line:nth-child(2) {
  opacity: 0;
}

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

/* Mobile Nav Drawer */
.mobile-nav-backdrop {
  position: fixed;
  inset: 0;
  background-color: rgba(39, 35, 45, 0.5);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-normal), visibility var(--transition-normal);
}

.mobile-nav-backdrop.is-open {
  opacity: 1;
  visibility: visible;
}

.mobile-nav {
  position: fixed;
  top: 0;
  right: 0;
  width: min(340px, 85vw);
  height: 100vh;
  background-color: var(--color-white);
  box-shadow: var(--shadow-xl);
  z-index: 999;
  padding: 5.5rem 1.75rem 2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: translateX(100%);
  transition: transform var(--transition-normal);
  overflow-y: auto;
}

.mobile-nav.is-open {
  transform: translateX(0);
}

.mobile-menu {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.mobile-nav-link {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--color-text-primary);
  display: block;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--color-border-subtle);
}

.mobile-nav-footer {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* --------------------------------------------------------------------------
   6. Hero Section & High-Converting Lead Form
   -------------------------------------------------------------------------- */
.hero-section {
  position: relative;
  padding-top: clamp(2.5rem, 4.5vw, 4rem);
  padding-bottom: clamp(3.5rem, 5.5vw, 5.5rem);
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-bg-light) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: start;
}

.hero-content {
  display: flex;
  flex-direction: column;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 0.85rem;
}

.hero-headline {
  margin-bottom: 1.25rem;
  color: var(--color-dark);
}

.hero-description {
  font-size: clamp(1.0625rem, 1.3vw, 1.2rem);
  line-height: 1.68;
  color: var(--color-text-body);
  margin-bottom: 1.75rem;
  max-width: 540px;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.25rem;
  margin-bottom: 1.75rem;
}

.hero-phone-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--color-dark);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: var(--color-gold);
  transition: color var(--transition-fast);
}

.hero-phone-cta:hover {
  color: var(--color-gold);
}

/* Reassurance Row */
.reassurance-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: clamp(0.75rem, 1.8vw, 1.5rem);
  padding: 0.9rem 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 2rem;
}

.reassurance-item {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-primary);
}

.reassurance-item svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

/* Hero Media & Floating Trust Badge */
.hero-media-wrapper {
  position: relative;
  margin-top: 0.25rem;
  border-radius: var(--radius-lg);
}

.hero-image-container {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
  aspect-ratio: 16 / 9;
}

.hero-image-container img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.floating-trust-badge {
  position: absolute;
  bottom: -18px;
  left: 24px;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-gold);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  z-index: 10;
}

.floating-badge-icon {
  width: 32px;
  height: 32px;
  background-color: var(--color-gold-light);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold);
  flex-shrink: 0;
}

.floating-badge-text {
  display: flex;
  flex-direction: column;
}

.floating-badge-line1 {
  font-family: var(--font-serif);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-dark);
  line-height: 1.2;
}

.floating-badge-line2 {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-text-muted);
}

/* --------------------------------------------------------------------------
   Lead Form Card (Hero Right Column)
   -------------------------------------------------------------------------- */
.lead-form-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-xl);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  position: relative;
  z-index: 20;
}

.form-header {
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--color-border-subtle);
}

.form-badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background-color: var(--color-gold-light);
  color: var(--color-text-gold);
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.5rem;
}

.form-title {
  font-size: 1.45rem;
  margin-bottom: 0.35rem;
  color: var(--color-dark);
}

.form-subtitle {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

/* Form Fields */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.125rem;
}

.form-col-full {
  grid-column: 1 / -1;
}

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

.form-label {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--color-dark);
  margin-bottom: 0.375rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.form-label .required-indicator {
  color: var(--color-gold);
  font-size: 0.875rem;
}

.form-input,
.form-select {
  width: 100%;
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--color-dark);
  background-color: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  transition: all var(--transition-fast);
  appearance: none;
  min-height: 48px;
}

.form-input::placeholder {
  color: #9C95A3;
  font-weight: 400;
}

.form-input:hover,
.form-select:hover {
  border-color: #C2BBAF;
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px var(--color-gold-glow);
}

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

.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%2327232D'%3E%3Cpath fill-rule='evenodd' d='M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  background-size: 1.15rem;
  padding-right: 2.5rem;
  cursor: pointer;
}

/* Radio Group: Medicare Status */
.radio-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.625rem;
}

.radio-card-label {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.65rem 0.85rem;
  background-color: var(--color-bg-warm);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text-primary);
  cursor: pointer;
  transition: all var(--transition-fast);
  user-select: none;
}

.radio-card-label:hover {
  border-color: var(--color-gold-border);
  background-color: var(--color-gold-light);
}

.radio-card-label input[type="radio"] {
  appearance: none;
  width: 18px;
  height: 18px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-full);
  margin: 0;
  display: grid;
  place-content: center;
  flex-shrink: 0;
  transition: all var(--transition-fast);
}

.radio-card-label input[type="radio"]::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: var(--radius-full);
  transform: scale(0);
  transition: transform var(--transition-fast);
  background-color: var(--color-gold);
}

.radio-card-label input[type="radio"]:checked {
  border-color: var(--color-gold);
}

.radio-card-label input[type="radio"]:checked::before {
  transform: scale(1);
}

.radio-card-label:has(input[type="radio"]:checked) {
  border-color: var(--color-gold);
  background-color: var(--color-gold-light);
  font-weight: 600;
}

/* Radio Pills: Contact Method */
.radio-pills-row {
  display: flex;
  gap: 0.625rem;
}

.radio-pill-label {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.6rem 0.75rem;
  background-color: var(--color-bg-warm);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text-primary);
  cursor: pointer;
  transition: all var(--transition-fast);
  user-select: none;
  text-align: center;
}

.radio-pill-label:hover {
  border-color: var(--color-gold-border);
  background-color: var(--color-gold-light);
}

.radio-pill-label input[type="radio"] {
  appearance: none;
  margin: 0;
  width: 16px;
  height: 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-full);
  display: grid;
  place-content: center;
  flex-shrink: 0;
}

.radio-pill-label input[type="radio"]::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: var(--radius-full);
  transform: scale(0);
  background-color: var(--color-gold);
}

.radio-pill-label input[type="radio"]:checked {
  border-color: var(--color-gold);
}

.radio-pill-label input[type="radio"]:checked::before {
  transform: scale(1);
}

.radio-pill-label:has(input[type="radio"]:checked) {
  border-color: var(--color-gold);
  background-color: var(--color-gold-light);
  font-weight: 600;
}

/* Consent Checkbox */
.consent-group {
  margin: 1.25rem 0 1.5rem;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
}

.checkbox-custom {
  appearance: none;
  width: 20px;
  height: 20px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-sm);
  margin-top: 2px;
  flex-shrink: 0;
  display: grid;
  place-content: center;
  transition: all var(--transition-fast);
  cursor: pointer;
  background-color: var(--color-white);
}

.checkbox-custom::before {
  content: "";
  width: 10px;
  height: 6px;
  border-left: 2px solid var(--color-white);
  border-bottom: 2px solid var(--color-white);
  transform: rotate(-45deg) scale(0);
  margin-top: -2px;
  transition: transform var(--transition-fast);
}

.checkbox-custom:checked {
  background-color: var(--color-gold);
  border-color: var(--color-gold);
}

.checkbox-custom:checked::before {
  transform: rotate(-45deg) scale(1);
}

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

.consent-text {
  font-size: 0.8125rem;
  line-height: 1.5;
  color: var(--color-text-muted);
}

.consent-text a {
  color: var(--color-dark);
  text-decoration: underline;
}

.consent-text a:hover {
  color: var(--color-gold);
}

/* Form Error Message */
.field-error {
  font-size: 0.8125rem;
  color: var(--color-error-text);
  margin-top: 0.35rem;
  display: none;
  align-items: center;
  gap: 0.35rem;
  font-weight: 500;
}

.field-error.is-visible {
  display: flex;
}

/* Form Alert Box */
.form-alert {
  padding: 0.875rem 1rem;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  line-height: 1.45;
  margin-bottom: 1.25rem;
  display: none;
}

.form-alert.is-visible {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
}

.form-alert-error {
  background-color: var(--color-error-bg);
  border: 1px solid var(--color-error-border);
  color: var(--color-error-text);
}

/* Submit Button & Spinner */
.form-submit-btn {
  position: relative;
  font-size: 1.125rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  padding: 1.05rem 2rem;
  border-radius: var(--radius-md);
}

.btn-spinner {
  display: none;
  width: 20px;
  height: 20px;
  border: 2.5px solid rgba(255, 255, 255, 0.35);
  border-top-color: var(--color-white);
  border-radius: var(--radius-full);
  animation: spin 0.8s linear infinite;
}

.form-submit-btn.is-loading .btn-text {
  opacity: 0;
}

.form-submit-btn.is-loading .btn-spinner {
  display: inline-block;
  position: absolute;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.form-footer-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 0.85rem;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}

.form-footer-note svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

/* Form Success State View */
.form-success-card {
  display: none;
  text-align: center;
  padding: 2.5rem 1.5rem;
}

.form-success-card.is-visible {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.success-icon-badge {
  width: 64px;
  height: 64px;
  background-color: var(--color-gold-light);
  border: 2px solid var(--color-gold);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold);
  margin-bottom: 1.25rem;
}

.success-title {
  font-size: 1.75rem;
  margin-bottom: 0.75rem;
  color: var(--color-dark);
}

.success-message {
  font-size: 1rem;
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  max-width: 440px;
}

.success-demo-notice {
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1rem;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: 1.75rem;
  text-align: left;
}

.success-demo-notice strong {
  color: var(--color-dark);
  display: block;
  margin-bottom: 0.25rem;
}

/* --------------------------------------------------------------------------
   7. Medicare Options Section
   -------------------------------------------------------------------------- */
.options-layout {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: center;
}

.options-media-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
  aspect-ratio: 4 / 3;
}

.options-media-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.options-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}

.option-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
  position: relative;
}

.option-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
  border-color: var(--color-gold-border);
}

.option-card:focus-within {
  border-color: var(--color-gold);
}

.option-icon-box {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--color-gold-light);
  border: 1px solid var(--color-gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-dark);
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

.option-card-title {
  font-size: 1.25rem;
  margin-bottom: 0.65rem;
  color: var(--color-dark);
}

.option-card-desc {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.58;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.option-link-btn {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-dark);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  border: none;
  background: none;
  padding: 0;
  cursor: pointer;
  border-bottom: 1.5px solid var(--color-gold);
  align-self: flex-start;
  transition: all var(--transition-fast);
}

.option-link-btn:hover {
  color: var(--color-gold);
  border-bottom-color: var(--color-dark);
}

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

.option-link-btn:hover svg {
  transform: translateX(3px);
}

/* --------------------------------------------------------------------------
   8. How It Works Section
   -------------------------------------------------------------------------- */
.how-it-works-wrapper {
  display: grid;
  grid-template-columns: 1.45fr 0.95fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: center;
}

.steps-timeline {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  position: relative;
}

.step-card {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.step-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-gold-border);
}

.step-number-badge {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-full);
  background-color: var(--color-dark);
  color: var(--color-gold);
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 2px solid var(--color-gold-border);
}

.step-content h3 {
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}

.step-content p {
  font-size: 0.98rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

.how-it-works-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.consultation-media-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
  aspect-ratio: 4 / 3;
}

.consultation-media-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.side-panel-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-gold);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}

.side-panel-title {
  font-size: 1.2rem;
  margin-bottom: 1rem;
  color: var(--color-dark);
}

.side-panel-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.side-panel-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-text-body);
}

.side-panel-item svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   9. Why Choose Insurance Choice Advisor
   -------------------------------------------------------------------------- */
.why-us-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: center;
  margin-bottom: 3.5rem;
}

.why-media-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
  aspect-ratio: 4 / 3;
}

.why-media-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.benefit-blocks-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

.benefit-block {
  display: flex;
  gap: 1.25rem;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.benefit-block:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-gold-border);
}

.benefit-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background-color: var(--color-gold-light);
  border: 1px solid var(--color-gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-dark);
  flex-shrink: 0;
}

.benefit-content h3 {
  font-size: 1.15rem;
  margin-bottom: 0.35rem;
  color: var(--color-dark);
}

.benefit-content p {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* Trust Panel */
.trust-panel-banner {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.trust-panel-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0.5rem;
}

.trust-panel-icon {
  width: 48px;
  height: 48px;
  background-color: var(--color-bg-warm);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold);
  margin-bottom: 0.85rem;
}

.trust-panel-item h4 {
  font-size: 1.05rem;
  margin-bottom: 0.35rem;
  color: var(--color-dark);
}

.trust-panel-item p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.45;
}

/* --------------------------------------------------------------------------
   10. Testimonials & Non-Deceptive Trust Signals
   -------------------------------------------------------------------------- */
.trust-signals-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: center;
}

.trust-phone-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  background-color: var(--color-bg-subtle);
  aspect-ratio: 4 / 3;
}

.trust-phone-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.trust-cards-column {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.trust-commitments-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.85rem;
  margin-bottom: 0.75rem;
}

.trust-commitment-badge {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-dark);
}

.trust-commitment-badge svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

.testimonial-placeholder-card {
  background-color: var(--color-white);
  border: 1px dashed var(--color-gold-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  position: relative;
  box-shadow: var(--shadow-sm);
}

.placeholder-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background-color: var(--color-gold-light);
  color: var(--color-text-gold);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.65rem;
}

.testimonial-quote {
  font-size: 0.98rem;
  font-style: italic;
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: 0.85rem;
}

.testimonial-author {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* --------------------------------------------------------------------------
   11. FAQ Accordion Section
   -------------------------------------------------------------------------- */
.faq-container {
  max-width: 820px;
  margin: 0 auto;
}

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

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

.accordion-item:hover {
  border-color: var(--color-gold-border);
}

.accordion-item.is-active {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-md);
}

.accordion-header {
  margin: 0;
}

.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  padding: 1.35rem 1.75rem;
  text-align: left;
  font-family: var(--font-sans);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-dark);
  background: transparent;
  border: none;
  cursor: pointer;
  transition: color var(--transition-fast);
}

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

.accordion-item.is-active .accordion-trigger {
  color: var(--color-dark);
}

.accordion-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-full);
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-dark);
  flex-shrink: 0;
  transition: transform var(--transition-normal), background-color var(--transition-normal);
}

.accordion-trigger[aria-expanded="true"] .accordion-icon {
  transform: rotate(180deg);
  background-color: var(--color-gold-light);
  color: var(--color-gold);
  border-color: var(--color-gold-border);
}

.accordion-panel {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows var(--transition-normal);
  padding: 0 1.75rem;
}

.accordion-panel.is-open {
  grid-template-rows: 1fr;
  padding-bottom: 1.5rem;
}

.accordion-content {
  overflow: hidden;
}

.accordion-content p {
  font-size: 1rem;
  color: var(--color-text-body);
  line-height: 1.68;
  margin-bottom: 0.75rem;
}

.accordion-content p:last-child {
  margin-bottom: 0;
}

.accordion-content strong {
  color: var(--color-dark);
}

/* --------------------------------------------------------------------------
   12. Final CTA Section
   -------------------------------------------------------------------------- */
.final-cta-section {
  background-color: var(--color-bg-warm);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.final-cta-card {
  background-color: var(--color-dark);
  color: var(--color-white);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  align-items: center;
}

.final-cta-content {
  padding: clamp(2.5rem, 5vw, 4rem);
}

.final-cta-eyebrow {
  color: #D6C29E;
  margin-bottom: 0.75rem;
}

.final-cta-title {
  color: var(--color-white);
  margin-bottom: 1rem;
}

.final-cta-description {
  color: #D3CAD8;
  font-size: 1.125rem;
  line-height: 1.6;
  margin-bottom: 2rem;
  max-width: 500px;
}

.final-cta-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.25rem;
}

.final-cta-email-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-white);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: var(--color-gold);
  transition: color var(--transition-fast);
}

.final-cta-email-link:hover {
  color: #D6C29E;
}

.final-cta-media {
  height: 100%;
  min-height: 340px;
  position: relative;
  background-color: #1A1620;
}

.final-cta-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* --------------------------------------------------------------------------
   13. Footer & Compliance Disclaimers
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-dark);
  color: #C3BAC7;
  padding-top: clamp(3.5rem, 6vw, 5rem);
  padding-bottom: 2.5rem;
  border-top: 1px solid #383240;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: clamp(2rem, 4vw, 4rem);
  margin-bottom: 3.5rem;
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-brand .logo-title {
  color: var(--color-white);
}

.footer-brand .logo-subtitle {
  color: #D6C29E;
}

.footer-brand-desc {
  font-size: 0.95rem;
  line-height: 1.65;
  color: #C3BAC7;
  max-width: 400px;
}

.footer-contact-info {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.footer-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9375rem;
  color: var(--color-white);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-contact-link svg {
  color: var(--color-gold);
  flex-shrink: 0;
}

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

.footer-nav-col h4 {
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #D6C29E;
  margin-bottom: 1.25rem;
}

.footer-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.footer-nav-link {
  font-size: 0.95rem;
  color: #C3BAC7;
  text-decoration: none;
  transition: color var(--transition-fast);
}

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

.footer-disclaimer-card {
  background-color: #1E1B24;
  border: 1px solid #383240;
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  margin-bottom: 2rem;
}

.footer-disclaimer-title {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #D6C29E;
  margin-bottom: 0.5rem;
}

.footer-disclaimer-text {
  font-size: 0.875rem;
  line-height: 1.6;
  color: #A99FB0;
}

.footer-bottom-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid #383240;
  font-size: 0.875rem;
  color: #8C8294;
}

.footer-bottom-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
}

.footer-bottom-link {
  color: #8C8294;
  text-decoration: none;
  transition: color var(--transition-fast);
  cursor: pointer;
  background: none;
  border: none;
  font-size: inherit;
  font-family: inherit;
}

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

/* --------------------------------------------------------------------------
   14. Accessible Modal Dialogs
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(39, 35, 45, 0.75);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-normal), visibility var(--transition-normal);
}

.modal-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.modal-dialog {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-xl);
  width: 100%;
  max-width: 680px;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  transform: translateY(20px) scale(0.98);
  transition: transform var(--transition-normal);
  overflow: hidden;
}

.modal-overlay.is-active .modal-dialog {
  transform: translateY(0) scale(1);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.75rem;
  border-bottom: 1px solid var(--color-border);
  background-color: var(--color-bg-warm);
}

.modal-title {
  font-size: 1.35rem;
  color: var(--color-dark);
}

.modal-close-btn {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  color: var(--color-dark);
  transition: background-color var(--transition-fast);
}

.modal-close-btn:hover {
  background-color: var(--color-border);
}

.modal-body {
  padding: 1.75rem;
  overflow-y: auto;
  font-size: 0.98rem;
  line-height: 1.65;
  color: var(--color-text-body);
}

.modal-body h4 {
  font-size: 1.15rem;
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}

.modal-body ul {
  padding-left: 1.25rem;
  margin-bottom: 1rem;
}

.modal-body li {
  margin-bottom: 0.35rem;
}

.modal-footer {
  padding: 1rem 1.75rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  justify-content: flex-end;
  background-color: var(--color-bg-warm);
}

/* --------------------------------------------------------------------------
   15. Responsive Media Queries
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  
  .hero-media-wrapper {
    max-width: 600px;
    margin-bottom: 1.5rem;
  }

  .options-layout,
  .how-it-works-wrapper,
  .why-us-grid,
  .trust-signals-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .trust-panel-banner {
    grid-template-columns: repeat(2, 1fr);
  }

  .final-cta-card {
    grid-template-columns: 1fr;
  }

  .final-cta-media {
    min-height: 260px;
  }

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

@media (max-width: 768px) {
  .header-nav {
    display: none;
  }

  .header-phone-text {
    display: none;
  }

  .header-phone-link {
    padding: 0.5rem;
    border: 1px solid var(--color-border);
  }

  .hamburger-btn {
    display: flex;
  }

  .options-cards-grid {
    grid-template-columns: 1fr;
  }

  .radio-cards-grid {
    grid-template-columns: 1fr;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .reassurance-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.65rem;
  }

  .trust-panel-banner {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .trust-panel-item {
    align-items: flex-start;
    text-align: left;
  }

  .trust-commitments-row {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 480px) {
  .btn {
    width: 100%;
  }

  .hero-cta-group {
    flex-direction: column;
    width: 100%;
  }

  .radio-pills-row {
    flex-direction: column;
  }

  .floating-trust-badge {
    position: static;
    margin-top: 1rem;
    width: 100%;
  }
}

/* --------------------------------------------------------------------------
   16. Scroll Reveal Animations
   -------------------------------------------------------------------------- */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}

.reveal-on-scroll.is-revealed {
  opacity: 1;
  transform: translateY(0);
}

/* --------------------------------------------------------------------------
   17. Legal & Policy Pages Layout & Component Styles
   -------------------------------------------------------------------------- */
.legal-hero {
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-bg-warm) 100%);
  border-bottom: 1px solid var(--color-border);
  padding: clamp(2.5rem, 5vw, 3.5rem) 0 2rem;
}

.legal-breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
}

.legal-breadcrumbs a {
  color: var(--color-text-muted);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.legal-breadcrumbs a:hover {
  color: var(--color-gold);
}

.legal-breadcrumbs .separator {
  color: var(--color-border);
}

.legal-hero-title {
  margin-bottom: 0.75rem;
  color: var(--color-dark);
}

.legal-meta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.25rem;
  font-size: 0.875rem;
  color: var(--color-text-muted);
}

.legal-meta-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background-color: var(--color-gold-light);
  color: var(--color-text-gold);
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.8125rem;
}

/* Legal Layout: Sidebar + Main Content */
.legal-layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: clamp(2rem, 3.5vw, 3.5rem);
  align-items: start;
  padding-top: clamp(2.5rem, 4vw, 3.5rem);
  padding-bottom: clamp(4rem, 6vw, 6rem);
}

.legal-sidebar {
  position: sticky;
  top: 100px;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.legal-nav-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.legal-nav-title {
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-gold);
  margin-bottom: 1rem;
}

.legal-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.legal-nav-link {
  display: block;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  padding: 0.35rem 0.6rem;
  border-radius: var(--radius-sm);
  border-left: 2px solid transparent;
  transition: all var(--transition-fast);
  line-height: 1.4;
}

.legal-nav-link:hover {
  color: var(--color-dark);
  border-left-color: var(--color-gold);
  background-color: var(--color-bg-warm);
}

.legal-help-card {
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-gold);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}

.legal-help-card h4 {
  font-size: 1rem;
  margin-bottom: 0.35rem;
  color: var(--color-dark);
}

.legal-help-card p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: 0.75rem;
}

.legal-help-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-dark);
}

.legal-help-link:hover {
  color: var(--color-gold);
}

/* Legal Article Card */
.legal-article-card {
  background-color: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 3.5vw, 3rem);
  box-shadow: var(--shadow-sm);
  line-height: 1.72;
}

.legal-section {
  margin-bottom: 2.75rem;
  scroll-margin-top: 110px;
}

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

.legal-section h2 {
  font-size: 1.65rem;
  margin-bottom: 1rem;
  color: var(--color-dark);
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--color-border-subtle);
}

.legal-section h3 {
  font-size: 1.25rem;
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
  color: var(--color-dark);
}

.legal-section h4 {
  font-size: 1.0625rem;
  font-family: var(--font-sans);
  font-weight: 700;
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}

.legal-section p {
  font-size: 1.0625rem;
  color: var(--color-text-body);
  margin-bottom: 1.125rem;
}

.legal-section ul,
.legal-section ol {
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
}

.legal-section li {
  margin-bottom: 0.5rem;
  color: var(--color-text-body);
}

.legal-section strong {
  color: var(--color-dark);
}

/* Callouts, Tables & Cards */
.legal-callout {
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-gold);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}

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

.legal-table-wrapper {
  overflow-x: auto;
  margin: 1.5rem 0 2rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
  text-align: left;
}

.legal-table th,
.legal-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--color-border-subtle);
}

.legal-table th {
  background-color: var(--color-bg-warm);
  font-weight: 700;
  color: var(--color-dark);
  font-family: var(--font-sans);
}

.legal-table tr:last-child td {
  border-bottom: none;
}

/* Opt-Out Form on Do Not Sell Page */
.optout-form-card {
  background-color: var(--color-bg-warm);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin: 2rem 0;
}

.optout-form-title {
  font-size: 1.35rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}

.optout-form-desc {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  margin-bottom: 1.5rem;
}

/* Partner Category Grid */
.partner-category-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin: 1.75rem 0;
}

.partner-category-card {
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.35rem;
}

.partner-category-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}

.partner-category-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: 0;
}

/* Responsive adjustments for Legal Pages */
@media (max-width: 992px) {
  .legal-layout {
    grid-template-columns: 1fr;
  }
  
  .legal-sidebar {
    position: static;
  }

  .partner-category-grid {
    grid-template-columns: 1fr;
  }
}


/* ==========================================================================
   Brand Logo Image Styles (Matches Provided Brand Identity)
   ========================================================================== */
.site-brand-logo {
  height: 52px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  display: block;
}

.site-brand-logo-footer {
  height: 52px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  display: block;
}

@media (max-width: 768px) {
  .site-brand-logo {
    height: 42px;
    max-width: 165px;
  }
  .site-brand-logo-footer {
    height: 44px;
    max-width: 170px;
  }
}

/* ==========================================================================
   Full Site Responsiveness & Viewport Overflows Protection
   ========================================================================== */
html, body {
  overflow-x: hidden;
  max-width: 100vw;
  width: 100%;
}

img, svg, picture, video {
  max-width: 100%;
}

@media (max-width: 480px) {
  .container {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .header-actions {
    gap: 0.5rem;
  }

  .header-actions .btn-sm {
    padding: 0.45rem 0.75rem;
    font-size: 0.8rem;
  }

  .site-brand-logo {
    height: 38px;
    max-width: 145px;
  }

  .lead-form-card {
    padding: 1.5rem 1rem;
  }

  .form-title {
    font-size: 1.45rem;
  }

  .hero-headline {
    font-size: clamp(2rem, 7.5vw, 2.5rem);
  }

  .section-title {
    font-size: clamp(1.75rem, 6.5vw, 2.25rem);
  }

  .footer-bottom-links {
    flex-direction: column;
    gap: 0.75rem;
    align-items: center;
  }

  .footer-disclaimer-card {
    padding: 1.15rem 0.9rem;
  }
}



/* ==========================================================================
   Lead Submission Success Modal Popup
   ========================================================================== */
.lead-success-modal-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(39, 35, 45, 0.78);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s ease, visibility 0.35s ease;
}

.lead-success-modal-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.lead-success-modal-dialog {
  background: var(--color-bg);
  border: 1px solid rgba(184, 149, 90, 0.35);
  border-radius: var(--radius-lg);
  box-shadow: 0 25px 60px -15px rgba(39, 35, 45, 0.45);
  max-width: 520px;
  width: 100%;
  position: relative;
  padding: 2.25rem 2rem;
  text-align: center;
  transform: translateY(20px) scale(0.96);
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  max-height: 90vh;
  overflow-y: auto;
}

.lead-success-modal-overlay.is-active .lead-success-modal-dialog {
  transform: translateY(0) scale(1);
}

.lead-modal-icon-wrapper {
  display: flex;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.lead-modal-icon-circle {
  width: 76px;
  height: 76px;
  background: linear-gradient(135deg, var(--color-dark) 0%, #3a3342 100%);
  border: 2px solid var(--color-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gold);
  box-shadow: 0 8px 24px rgba(184, 149, 90, 0.25);
  animation: modalCheckPop 0.5s cubic-bezier(0.175, 0.885, 0.32, 1.275) forwards;
}

@keyframes modalCheckPop {
  0% { transform: scale(0.4); opacity: 0; }
  70% { transform: scale(1.12); }
  100% { transform: scale(1); opacity: 1; }
}

.lead-modal-badge {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-text-gold);
  background-color: var(--color-gold-light);
  padding: 0.3rem 0.85rem;
  border-radius: 20px;
  margin-bottom: 0.85rem;
}

.lead-modal-title {
  font-family: var(--font-serif);
  font-size: 1.85rem;
  color: var(--color-dark);
  margin-bottom: 0.6rem;
  line-height: 1.2;
}

.lead-modal-subtitle {
  font-size: 1rem;
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.lead-modal-steps-card {
  background-color: var(--color-bg-warm);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.25rem 1rem;
  text-align: left;
  margin-bottom: 1.5rem;
}

.lead-modal-steps-title {
  font-size: 0.92rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-dark);
  margin-bottom: 0.9rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--color-border);
}

.lead-modal-step {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  margin-bottom: 0.75rem;
  font-size: 0.9rem;
  color: var(--color-text-body);
  line-height: 1.45;
}

.lead-step-num {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--color-dark);
  color: var(--color-gold);
  font-weight: 700;
  font-size: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.lead-step-text strong {
  color: var(--color-dark);
  display: block;
}

.lead-modal-footer-info {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.lead-ref-code {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  font-family: monospace;
  letter-spacing: 0.04em;
}

.lead-ref-code strong {
  color: var(--color-dark);
}

@media (max-width: 480px) {
  .lead-success-modal-dialog {
    padding: 1.75rem 1.25rem;
  }
  .lead-modal-title {
    font-size: 1.5rem;
  }
  .lead-modal-icon-circle {
    width: 64px;
    height: 64px;
  }
}


/* Footer SMID Responsive Styling */
.footer-smid-text {
  margin-top: 1rem;
  font-size: 0.82rem;
  color: var(--color-gold);
  font-family: monospace;
  letter-spacing: 0.04em;
  font-weight: 600;
  word-break: break-all;
  overflow-wrap: anywhere;
  text-align: center;
  max-width: 100%;
  line-height: 1.5;
}

@media (max-width: 480px) {
  .footer-smid-text {
    font-size: 0.72rem;
    letter-spacing: 0.02em;
    padding: 0 0.5rem;
    word-break: break-all;
  }
}