/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue: #1a6fb4;
  --blue-dark: #145a94;
  --blue-light: #e8f2fb;
  --green: #1db954;
  --green-dark: #17a348;
  --text: #1a202c;
  --text-muted: #6b7280;
  --border: #e5e7eb;
  --white: #ffffff;
  --bg-light: #f8fafc;
  --shadow: 0 4px 24px rgba(0,0,0,0.10);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.14);
  --radius: 12px;
  --radius-sm: 8px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* === LAYOUT === */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 80px 0;
}

/* === NAVBAR === */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(8px);
  transition: box-shadow 0.2s;
}

.navbar.scrolled {
  box-shadow: 0 2px 16px rgba(0,0,0,0.10);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  font-size: 18px;
  font-weight: 600;
  color: var(--text);
}

.logo strong { color: var(--blue); }

.nav-links {
  display: flex;
  gap: 28px;
}

.nav-links a {
  text-decoration: none;
  color: var(--text-muted);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.15s;
}

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

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 11px 24px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.18s;
  line-height: 1.4;
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

.btn-primary:hover {
  background: var(--blue-dark);
  border-color: var(--blue-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,111,180,0.35);
}

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

.btn-outline:hover {
  background: var(--blue-light);
}

.btn-nav {
  background: var(--blue);
  color: var(--white);
  padding: 8px 20px;
  font-size: 14px;
  border-radius: 6px;
}

.btn-nav:hover {
  background: var(--blue-dark);
}

.btn-full { width: 100%; }

.btn-sm {
  padding: 8px 16px;
  font-size: 13px;
}

/* === HERO (simplified) === */
.hero {
  position: relative;
  background: linear-gradient(135deg, #0d2d5e 0%, #1a6fb4 60%, #2490d4 100%);
  padding: 120px 0 60px;
  display: flex;
  align-items: center;
}

.hero-simple {
  min-height: auto;
  padding: 110px 0 64px;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E") repeat;
}

.hero-simple-content {
  position: relative;
  z-index: 1;
  text-align: center;
  color: var(--white);
  max-width: 780px;
  margin: 0 auto;
}

.hero-simple-content h1 {
  font-size: clamp(28px, 4.5vw, 52px);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
}

.badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
  letter-spacing: 0.3px;
}

.highlight { color: #7dd3fc; }

.hero-sub {
  font-size: 18px;
  opacity: 0.9;
  margin-bottom: 32px;
  line-height: 1.7;
}

.hero-cta-row {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.btn-white {
  background: var(--white);
  color: var(--blue-dark);
  border-color: var(--white);
  font-size: 17px;
  padding: 14px 36px;
}

.btn-white:hover {
  background: #f0f9ff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}

.btn-large { font-size: 17px; padding: 15px 32px; }

.hero-trust-pills {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}

.hero-trust-pills span {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
}

.check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  background: var(--green);
  color: white;
  border-radius: 50%;
  font-size: 12px;
  font-weight: 700;
  flex-shrink: 0;
}

/* === INTAKE FORM SECTION === */
.intake-section {
  background: var(--bg-light);
  padding: 64px 0;
}

.intake-header {
  text-align: center;
  margin-bottom: 36px;
}

.intake-header h2 {
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 800;
  margin-bottom: 10px;
}

.intake-header p {
  font-size: 16px;
  color: var(--text-muted);
}

.intake-card {
  background: var(--white);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 960px;
  margin: 0 auto;
}

.intake-form {
  padding: 0;
}

.intake-success {
  padding: 60px 40px;
  text-align: center;
}

/* === FORM BLOCKS (sections within intake form) === */
.form-block {
  padding: 28px 36px;
  border-bottom: 1px solid var(--border);
}

.form-block:last-child { border-bottom: none; }

.form-block-submit {
  background: #f8fafc;
}

.block-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--blue-dark);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--blue-light);
}

/* === LEGACY LEAD-FORM (kept for compatibility) === */
.lead-form {
  padding: 24px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
}

.field input,
.field select {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
  width: 100%;
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,111,180,0.12);
}

.field input::placeholder { color: #b0b8c4; }

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

.field-inline {
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
}

.field-inline label { font-size: 13px; font-weight: 600; }

.radio-group {
  display: flex;
  gap: 16px;
}

.radio-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
}

.radio-label input[type="radio"] {
  width: auto;
  accent-color: var(--blue);
}

.form-disclaimer {
  font-size: 11px;
  color: var(--text-muted);
  text-align: center;
  line-height: 1.5;
}

.form-disclaimer a {
  color: var(--blue);
  text-decoration: underline;
}

.sms-consent-field {
  background: #f8fafc;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}

.sms-consent-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.6;
  font-weight: 400;
}

.sms-checkbox {
  width: 16px !important;
  height: 16px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--blue);
  cursor: pointer;
}

.sms-consent-label a {
  color: var(--blue);
  text-decoration: underline;
}

/* === FORM SUCCESS STATE === */
.form-success {
  padding: 40px 28px;
  text-align: center;
}

.success-icon {
  width: 64px;
  height: 64px;
  background: var(--green);
  color: white;
  font-size: 28px;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.form-success h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
}

.form-success p {
  color: var(--text-muted);
  font-size: 15px;
  line-height: 1.6;
}

/* === TRUST BAR === */
.trust-bar {
  background: var(--text);
  padding: 20px 0;
}

.trust-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 8px 40px;
  color: var(--white);
}

.trust-item strong {
  font-size: 24px;
  font-weight: 800;
  color: #7dd3fc;
  line-height: 1.2;
}

.trust-item span {
  font-size: 12px;
  opacity: 0.7;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 2px;
}

.trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
}

/* === HOW IT WORKS === */
.how-it-works { background: var(--bg-light); }

.section-header {
  text-align: center;
  margin-bottom: 52px;
}

.section-header h2 {
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 800;
  margin-bottom: 12px;
}

.section-header p {
  font-size: 18px;
  color: var(--text-muted);
}

.steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
}

.step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  max-width: 280px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

.step-num {
  width: 52px;
  height: 52px;
  background: var(--blue);
  color: white;
  font-size: 22px;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
}

.step p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

.step-arrow {
  font-size: 24px;
  color: var(--blue);
  font-weight: 700;
}

/* === COVERAGE === */
.coverage { background: var(--white); }

.coverage-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.coverage-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  position: relative;
  transition: box-shadow 0.2s, border-color 0.2s;
}

.coverage-card:hover {
  box-shadow: var(--shadow);
  border-color: #c3ddf5;
}

.coverage-card.featured {
  border-color: var(--blue);
  box-shadow: var(--shadow);
}

.featured-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--blue);
  color: white;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 100px;
  white-space: nowrap;
}

.coverage-icon {
  font-size: 36px;
  margin-bottom: 12px;
}

.coverage-card h3 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 8px;
}

.coverage-price {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 20px;
}

.coverage-price strong {
  color: var(--blue);
  font-size: 20px;
}

.coverage-card ul {
  list-style: none;
  text-align: left;
  margin-bottom: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.coverage-card ul li {
  font-size: 14px;
  color: var(--text-muted);
  padding-left: 4px;
}

.coverage-card ul li::before {
  content: "✓ ";
  color: var(--green);
  font-weight: 700;
}

/* === TESTIMONIALS === */
.testimonials { background: var(--bg-light); }

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

.stars {
  color: #f59e0b;
  font-size: 18px;
  margin-bottom: 12px;
  letter-spacing: 2px;
}

.testimonial > p {
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 40px;
  height: 40px;
  background: var(--blue);
  color: white;
  font-size: 13px;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-size: 14px;
  font-weight: 700;
}

.testimonial-author span {
  font-size: 12px;
  color: var(--text-muted);
}

/* === FAQ === */
.faq { background: var(--white); }

.faq-container .section-header { max-width: 700px; margin-left: auto; margin-right: auto; }

.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  text-align: left;
  color: var(--text);
  transition: background 0.15s;
  font-family: inherit;
}

.faq-question:hover { background: var(--bg-light); }

.faq-icon {
  font-size: 22px;
  font-weight: 300;
  color: var(--blue);
  transition: transform 0.2s;
  flex-shrink: 0;
}

.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  display: none;
  padding: 0 20px 18px;
}

.faq-item.open .faq-answer { display: block; }

.faq-answer p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* === TWO-PARTY GRID (Client | Spouse) === */
.two-party-grid {
  display: grid;
  grid-template-columns: 160px 1fr 1fr;
  gap: 10px 16px;
  align-items: center;
}

.party-spacer { display: block; }

.party-label {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--white);
  background: var(--blue);
  text-align: center;
  padding: 7px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: 4px;
}

.row-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  padding: 4px 0;
}

/* === SPOUSE QUESTION === */
.spouse-question-field {
  background: var(--blue-light);
  border: 1.5px solid #c3ddf5;
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  margin-bottom: 20px;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.spouse-q-label {
  font-size: 15px !important;
  font-weight: 700 !important;
  color: var(--blue-dark) !important;
}

/* === SPOUSE COLUMN TOGGLE === */
.two-party-grid.no-spouse {
  grid-template-columns: 160px 1fr;
}

.two-party-grid.no-spouse .spouse-col,
.medical-table.no-spouse .spouse-col,
.form-row .spouse-col.hidden {
  display: none;
}

.medical-table.no-spouse .medical-header-row,
.medical-table.no-spouse .medical-row {
  grid-template-columns: 2fr 1fr;
}

/* === MEDICAL TABLE === */
.medical-table {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.medical-header-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  background: var(--blue-light);
  padding: 10px 16px;
  font-size: 13px;
  font-weight: 700;
  color: var(--blue-dark);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.medical-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  align-items: center;
  padding: 10px 16px;
  border-top: 1px solid var(--border);
  transition: background 0.1s;
}

.medical-row:hover { background: #fafbfc; }

.medical-row span {
  font-size: 14px;
  color: var(--text);
  font-weight: 500;
}

/* === YES/NO RADIO BUTTONS === */
.yn-group {
  display: flex;
  gap: 12px;
  justify-content: center;
  align-items: center;
}

.yn-label {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
}

.yn-label input[type="radio"] {
  accent-color: var(--blue);
  cursor: pointer;
  width: auto;
}

/* === YOU vs SPOUSE COLOR CODING === */
/* Spouse column header pill turns green */
.party-label-spouse {
  background: #059669;
}

/* Medical table header: "You" = blue tint, "Spouse" = green tint */
.medical-header-row > div:nth-child(2) {
  color: var(--blue);
  font-weight: 800;
  background: rgba(26, 111, 180, 0.12);
  border-radius: 4px;
  text-align: center;
  padding: 4px 8px;
}

.medical-header-row > div:nth-child(3) {
  color: #059669;
  font-weight: 800;
  background: rgba(5, 150, 105, 0.12);
  border-radius: 4px;
  text-align: center;
  padding: 4px 8px;
}

/* Medical rows: "You" column = light blue cell, "Spouse" column = light green cell */
.medical-row .yn-group:first-of-type {
  background: rgba(26, 111, 180, 0.06);
  border-radius: 6px;
  padding: 5px 8px;
}

.medical-row .yn-group:last-of-type {
  background: rgba(5, 150, 105, 0.06);
  border-radius: 6px;
  padding: 5px 8px;
}

/* Medication panel cards */
.med-panel-card {
  border-radius: var(--radius-sm);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.med-panel-card-you {
  border: 2px solid rgba(26, 111, 180, 0.35);
}

.med-panel-card-spouse {
  border: 2px solid rgba(5, 150, 105, 0.35);
}

.med-panel-card-header {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  padding: 7px 14px;
}

.med-panel-card-you .med-panel-card-header {
  background: var(--blue);
  color: white;
}

.med-panel-card-spouse .med-panel-card-header {
  background: #059669;
  color: white;
}

.med-panel-card textarea {
  border: none;
  border-top: 1.5px solid var(--border);
  border-radius: 0;
  padding: 11px 14px;
  font-family: inherit;
  font-size: 14px;
  resize: vertical;
  width: 100%;
  min-height: 90px;
  color: var(--text);
  background: white;
}

.med-panel-card textarea:focus {
  outline: none;
  box-shadow: 0 0 0 3px rgba(26, 111, 180, 0.15) inset;
}

/* === MISC FIELDS === */
.misc-fields {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 16px;
}

.children-field {
  flex-direction: row;
  align-items: center;
  justify-content: flex-start;
  gap: 20px;
}

/* === BOTTOM CTA (simplified) === */
.cta-simple {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
}

.cta-simple h2 {
  font-size: clamp(26px, 3.5vw, 38px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
}

.cta-simple p {
  font-size: 17px;
  color: rgba(255,255,255,0.88);
  margin-bottom: 20px;
  line-height: 1.7;
}

.cta-simple-bullets {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.cta-simple-bullets span {
  font-size: 15px;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
}

/* === CTA SECTION === */
.cta-section {
  background: linear-gradient(135deg, #0d2d5e 0%, #1a6fb4 100%);
}

.cta-wrapper {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 60px;
  align-items: center;
}

.cta-text { color: var(--white); }

.cta-text h2 {
  font-size: clamp(26px, 3.5vw, 38px);
  font-weight: 800;
  margin-bottom: 16px;
  line-height: 1.2;
}

.cta-text p {
  font-size: 17px;
  opacity: 0.9;
  margin-bottom: 24px;
  line-height: 1.7;
}

.cta-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cta-bullets li {
  font-size: 16px;
  font-weight: 600;
  opacity: 0.95;
}

.cta-form-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.cta-form-card .lead-form {
  padding: 28px;
}

.cta-form-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text);
  text-align: center;
}

/* === FOOTER === */
.footer {
  background: #111827;
  color: rgba(255,255,255,0.85);
}

.footer-inner {
  padding: 48px 20px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
}

.footer-legal {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-legal h4 {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 6px;
}

.footer-legal a {
  font-size: 14px;
  color: #7dd3fc;
  text-decoration: none;
  font-weight: 500;
  transition: color 0.15s;
}

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

.footer-legal-note {
  font-size: 12px;
  opacity: 0.45;
  line-height: 1.5;
  margin-top: 8px;
}

/* === LEGAL CALLOUT in form === */
.legal-callout {
  background: #fffbeb;
  border: 1.5px solid #fcd34d;
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  margin-bottom: 16px;
}

.legal-callout-title {
  font-size: 13px;
  font-weight: 700;
  color: #92400e;
  margin-bottom: 6px;
}

.legal-callout p:last-child {
  font-size: 13px;
  color: #78350f;
  line-height: 1.6;
  margin: 0;
}

.legal-callout a {
  color: #1a6fb4;
  font-weight: 600;
  text-decoration: underline;
}

.footer-brand .logo {
  color: var(--white);
  margin-bottom: 12px;
}

.footer-brand .logo strong { color: #7dd3fc; }

.footer-brand p {
  font-size: 14px;
  opacity: 0.6;
  line-height: 1.6;
  max-width: 300px;
}

.footer-links,
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-links h4,
.footer-contact h4 {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 6px;
}

.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  transition: color 0.15s;
}

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

.footer-contact p {
  font-size: 14px;
  opacity: 0.6;
  line-height: 1.6;
  margin-bottom: 12px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 16px 20px;
  text-align: center;
}

.footer-bottom p {
  font-size: 12px;
  opacity: 0.4;
  line-height: 1.6;
}

/* === STICKY MOBILE CTA === */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 99;
  padding: 12px 16px;
  background: var(--white);
  border-top: 1px solid var(--border);
  box-shadow: 0 -4px 20px rgba(0,0,0,0.10);
  display: none;
}

.sticky-btn {
  font-size: 16px;
  padding: 14px 24px;
}

/* === LOADING STATE === */
.btn:disabled {
  opacity: 0.7;
  cursor: not-allowed;
  transform: none !important;
}

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .coverage-cards {
    grid-template-columns: repeat(2, 1fr);
  }

  .two-party-grid {
    grid-template-columns: 120px 1fr 1fr;
  }
}

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

  .section { padding: 56px 0; }

  .hero-simple { padding: 90px 0 48px; }

  .form-block { padding: 20px 16px; }

  .two-party-grid {
    grid-template-columns: 1fr;
  }

  .two-party-grid .party-spacer { display: none; }

  .two-party-grid .party-label {
    display: none;
  }

  .two-party-grid .party-label:first-of-type {
    display: none;
  }

  .two-party-grid .row-label {
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 8px;
  }

  .two-party-grid .field::before {
    content: attr(data-party);
    font-size: 11px;
    color: var(--text-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.4px;
  }

  .medical-header-row { display: none; }

  .medical-row {
    grid-template-columns: 1fr;
    gap: 6px;
    padding: 12px 16px;
  }

  .check-cell { justify-content: flex-start; }

  .steps {
    flex-direction: column;
    align-items: center;
  }

  .step-arrow { transform: rotate(90deg); }

  .step { max-width: 340px; width: 100%; }

  .coverage-cards {
    grid-template-columns: 1fr;
    max-width: 380px;
    margin: 0 auto;
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
    max-width: 440px;
    margin: 0 auto;
  }

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

  .trust-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    text-align: center;
  }

  .trust-item { padding: 8px 20px; }
  .trust-divider { display: none; }

  .sticky-cta { display: block; }

  body { padding-bottom: 72px; }

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

  .children-field {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
}

@media (max-width: 480px) {
  .hero-text h1 {
    font-size: 26px;
  }

  .hero-sub {
    font-size: 16px;
  }

  .lead-form {
    padding: 20px 16px;
  }

  .form-header {
    padding: 16px 16px;
  }

  .cta-form-card .lead-form {
    padding: 20px 16px;
  }
}