@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:ital,wght@0,300;0,400;0,600;0,700;1,400;1,600&family=Source+Sans+3:wght@300;400;500;600&display=swap');

:root {
  --navy: #03325d;
  --navy-dark: #021f3b;
  --navy-light: #0a4a87;
  --red: #d8161e;
  --red-dark: #b01218;
  --white: #ffffff;
  --black: #0d0d0d;
  --gray-blue: #cfd8e0;
  --gray-50: #f7f9fb;
  --gray-100: #eef2f6;
  --gray-200: #dde4eb;
  --gray-400: #8fa3b4;
  --gray-600: #4a6070;
  --gray-800: #1e2e3a;
  --font-serif: 'Source Serif 4', Georgia, serif;
  --font-sans: 'Source Sans 3', system-ui, sans-serif;
  --shadow-sm: 0 1px 3px rgba(3,50,93,0.08), 0 1px 2px rgba(3,50,93,0.06);
  --shadow-md: 0 4px 12px rgba(3,50,93,0.10), 0 2px 4px rgba(3,50,93,0.06);
  --shadow-lg: 0 10px 30px rgba(3,50,93,0.12), 0 4px 8px rgba(3,50,93,0.08);
  --transition: all 0.2s ease;
  --radius: 4px;
  --radius-lg: 6px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── UTILITY ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 900px; margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }

/* ── TOP UTILITY BAR ── */
.utility-bar {
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  padding: 6px 0;
}
.utility-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.utility-bar-left {
  display: flex;
  align-items: center;
  gap: 20px;
  font-size: 12px;
  color: rgba(255,255,255,0.65);
}
.utility-bar-left a { color: rgba(255,255,255,0.65); text-decoration: none; }
.utility-bar-left a:hover { color: var(--white); }
.utility-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 12px;
}
.util-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  letter-spacing: 0.3px;
}
.util-phone:hover { color: var(--gray-blue); }
.util-phone svg { width: 12px; height: 12px; fill: currentColor; }
.util-sep { color: rgba(255,255,255,0.2); }
.util-link { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 12px; }
.util-link:hover { color: var(--white); }

/* ── MAIN NAV ── */
.main-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 3px solid var(--red);
  box-shadow: 0 2px 12px rgba(3,50,93,0.18);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo img { height: 44px; width: auto; display: block; }
.nav-logo-text {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.3px;
  line-height: 1;
}
.nav-logo-text span { display: block; font-size: 10px; font-weight: 400; font-family: var(--font-sans); color: var(--gray-blue); letter-spacing: 1.5px; text-transform: uppercase; margin-top: 2px; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
  height: 100%;
}
.nav-links > li { position: relative; height: 100%; display: flex; align-items: center; }
.nav-links > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 0 16px;
  height: 100%;
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  white-space: nowrap;
  transition: var(--transition);
  border-bottom: 3px solid transparent;
}
.nav-links > li > a:hover,
.nav-links > li > a.active {
  color: var(--white);
  border-bottom-color: var(--red);
  background: rgba(255,255,255,0.05);
}
.nav-links > li > a svg { width: 12px; height: 12px; fill: currentColor; opacity: 0.7; }

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-top: 3px solid var(--red);
  box-shadow: var(--shadow-lg);
  min-width: 200px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-4px);
  transition: var(--transition);
}
.nav-links > li:hover .nav-dropdown {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}
.nav-dropdown a {
  display: block;
  padding: 10px 16px;
  font-size: 14px;
  color: var(--gray-800);
  text-decoration: none;
  transition: var(--transition);
  border-left: 3px solid transparent;
}
.nav-dropdown a:hover {
  background: var(--gray-50);
  color: var(--navy);
  border-left-color: var(--navy);
}

.nav-cta-btn {
  background: var(--red);
  color: var(--white) !important;
  border: none;
  padding: 10px 20px !important;
  border-radius: var(--radius) !important;
  font-weight: 600 !important;
  font-size: 13px !important;
  cursor: pointer;
  white-space: nowrap;
  border-bottom: none !important;
  transition: background 0.2s !important;
  height: auto !important;
  text-decoration: none;
  display: inline-block;
}
.nav-cta-btn:hover { background: var(--red-dark) !important; }

/* ── HERO / BANNER ── */
.hero {
  background: #f4f6f9;
  padding: 72px 0 80px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid #e2e8f0;
}
.hero::before {
  display: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(216,22,30,0.07);
  border: 1px solid rgba(216,22,30,0.2);
  border-radius: 2px;
  padding: 4px 10px;
  font-size: 11px;
  font-weight: 600;
  color: var(--red-dark);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.hero-eyebrow::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--red);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}
.hero h1 {
  font-family: var(--font-serif);
  font-size: 44px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}
.hero h1 em {
  font-style: italic;
  color: var(--navy-light);
}
.hero-sub {
  font-size: 17px;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
  padding-top: 28px;
  border-top: 1px solid var(--gray-200);
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: var(--gray-600);
}
.hero-trust-item svg { width: 14px; height: 14px; fill: var(--gray-400); }
.hero-divider { color: var(--gray-200); }

/* Hero card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 40px rgba(3,50,93,0.12), 0 2px 8px rgba(3,50,93,0.06);
  overflow: hidden;
  border: 1px solid var(--gray-200);
}
.hero-card-header {
  background: var(--navy);
  padding: 14px 20px;
  border-bottom: none;
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-card-header::before {
  content: '';
  display: block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.6);
  flex-shrink: 0;
}
.hero-card-header h3 {
  font-size: 12px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 1.5px;
}
.hero-card-body { padding: 6px 0; }
.hero-card-link {
  display: flex;
  align-items: center;
  padding: 14px 20px;
  text-decoration: none;
  border-bottom: 1px solid var(--gray-100);
  transition: var(--transition);
  gap: 14px;
}
.hero-card-link:last-child { border-bottom: none; }
.hero-card-link:hover { background: var(--gray-50); }
.hero-card-link:hover .hcl-arrow { transform: translateX(3px); }
.hcl-icon {
  width: 38px;
  height: 38px;
  background: var(--gray-100);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.hcl-icon svg { width: 18px; height: 18px; }
.hcl-text { flex: 1; }
.hcl-title { font-size: 14px; font-weight: 600; color: var(--navy); line-height: 1.3; }
.hcl-sub { font-size: 12px; color: var(--gray-600); margin-top: 2px; }
.hcl-arrow { color: var(--gray-400); font-size: 16px; transition: transform 0.2s; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  font-family: var(--font-sans);
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  line-height: 1;
}
.btn-primary {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-primary:hover { background: var(--red-dark); border-color: var(--red-dark); }
.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover { border-color: var(--navy); background: var(--navy); color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn-lg { padding: 15px 32px; font-size: 15px; font-weight: 700; }
.btn svg { width: 16px; height: 16px; fill: currentColor; }

/* ── ALERT BANNER ── */
.alert-banner {
  background: #fff3cd;
  border-bottom: 2px solid #ffc107;
  padding: 10px 0;
}
.alert-banner .container {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: #533f03;
}
.alert-banner strong { font-weight: 700; }
.alert-banner a { color: var(--navy); font-weight: 600; }
.alert-icon { font-size: 16px; flex-shrink: 0; }

/* ── STATS STRIP ── */
.stats-strip {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  divide-x: 1px solid var(--gray-200);
}
.stat-item {
  padding: 28px 24px;
  text-align: center;
  border-right: 1px solid var(--gray-200);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-serif);
  font-size: 36px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  display: block;
}
.stat-label {
  font-size: 13px;
  color: var(--gray-600);
  margin-top: 6px;
  line-height: 1.4;
}

/* ── SECTION STYLES ── */
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.section-alt { background: var(--gray-50); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); }
.section-dark { background: var(--navy); }
.section-navy-mid { background: #042649; }

.section-header { margin-bottom: 48px; }
.section-header.centered { text-align: center; }
.section-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 10px;
}
.section-label.light { color: var(--gray-blue); }
.section-title {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.3px;
  margin-bottom: 12px;
}
.section-title.light { color: var(--white); }
.section-body {
  font-size: 16px;
  color: var(--gray-600);
  line-height: 1.7;
  max-width: 600px;
}
.section-body.light { color: rgba(207,216,224,0.8); }

/* ── QUICK ACTIONS GRID ── */
.actions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--gray-200);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.action-card {
  background: var(--white);
  padding: 32px 28px;
  text-decoration: none;
  transition: var(--transition);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.action-card:hover { background: var(--gray-50); z-index: 1; }
.action-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--navy);
  transform: scaleX(0);
  transition: transform 0.2s;
}
.action-card:hover::after { transform: scaleX(1); }
.action-icon {
  width: 48px;
  height: 48px;
  background: var(--gray-100);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
}
.action-icon svg { width: 24px; height: 24px; }
.action-title { font-size: 16px; font-weight: 700; color: var(--navy); line-height: 1.3; }
.action-desc { font-size: 13px; color: var(--gray-600); line-height: 1.6; flex: 1; }
.action-link-text {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--red);
  margin-top: auto;
}
.action-link-text svg { width: 14px; height: 14px; fill: currentColor; transition: transform 0.2s; }
.action-card:hover .action-link-text svg { transform: translateX(3px); }

/* ── INSURANCE TYPES ── */
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.ins-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 24px 16px;
  text-align: center;
  text-decoration: none;
  transition: var(--transition);
  position: relative;
}
.ins-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.ins-card-icon {
  width: 52px;
  height: 52px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
}
.ins-card-icon svg { width: 24px; height: 24px; }
.ins-card-title { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.ins-card-sub { font-size: 11px; color: var(--gray-600); line-height: 1.4; }
.ins-badge {
  position: absolute;
  top: -8px;
  right: 10px;
  background: var(--red);
  color: var(--white);
  font-size: 9px;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 2px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

/* ── WHY COVERED AMERICA ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.feature-item { }
.feature-icon {
  width: 44px;
  height: 44px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.feature-icon svg { width: 22px; height: 22px; fill: none; stroke: var(--gray-blue); }
.feature-title { font-size: 16px; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.feature-body { font-size: 14px; color: rgba(207,216,224,0.75); line-height: 1.7; }

/* ── PROCESS STEPS ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.steps-grid::after {
  content: '';
  position: absolute;
  top: 28px;
  left: 12.5%;
  right: 12.5%;
  height: 1px;
  background: var(--gray-200);
}
.step-item { padding: 0 20px; text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 56px;
  height: 56px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
}
.step-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-body { font-size: 13px; color: var(--gray-600); line-height: 1.6; }

/* ── TRUST SECTION ── */
.trust-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  padding: 24px 0;
}
.trust-logo-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-600);
  font-weight: 500;
}
.trust-logo-item svg { width: 20px; height: 20px; fill: var(--gray-400); }

/* ── CTA BAND ── */
.cta-band {
  background: var(--red);
  padding: 48px 0;
}
.cta-band-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.cta-band h2 {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}
.cta-band p { font-size: 16px; color: rgba(255,255,255,0.85); margin-top: 6px; }
.btn-white {
  background: var(--white);
  color: var(--red);
  border-color: var(--white);
  font-weight: 700;
}
.btn-white:hover { background: var(--gray-50); border-color: var(--gray-50); }

/* ── FOOTER ── */
.footer {
  background: var(--navy-dark);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 260px 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p {
  font-size: 13px;
  color: rgba(207,216,224,0.6);
  line-height: 1.7;
  margin-top: 14px;
}
.footer-brand address {
  font-style: normal;
  font-size: 12px;
  color: rgba(207,216,224,0.5);
  margin-top: 12px;
  line-height: 1.7;
}
.footer-logo-text {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
}
.footer-logo-text span { color: var(--gray-blue); }
.footer-col h4 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gray-blue);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  font-size: 13px;
  color: rgba(207,216,224,0.65);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-col ul li a:hover { color: var(--white); }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-bottom p {
  font-size: 11px;
  color: rgba(207,216,224,0.4);
  line-height: 1.6;
  max-width: 700px;
}
.footer-bottom-links {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}
.footer-bottom-links a {
  font-size: 11px;
  color: rgba(207,216,224,0.5);
  text-decoration: none;
}
.footer-bottom-links a:hover { color: var(--white); }

/* ── PAGE HEADER ── */
.page-header {
  background: var(--navy);
  padding: 40px 0;
  border-bottom: 3px solid var(--red);
}
.page-header h1 {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.page-header p {
  font-size: 15px;
  color: var(--gray-blue);
  max-width: 600px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: rgba(207,216,224,0.5);
  margin-bottom: 12px;
}
.breadcrumb a { color: rgba(207,216,224,0.6); text-decoration: none; }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb-sep { font-size: 10px; }

/* ── FORM STYLES ── */
.form-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.form-card-header {
  background: var(--navy);
  padding: 20px 28px;
  border-bottom: 3px solid var(--red);
}
.form-card-header h2 {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
}
.form-card-header p { font-size: 13px; color: var(--gray-blue); margin-top: 4px; }
.form-card-body { padding: 28px; }
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-label .req { color: var(--red); margin-left: 2px; }
.form-hint { font-size: 12px; color: var(--gray-600); margin-bottom: 6px; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
  appearance: none;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(3,50,93,0.1);
}
.form-textarea { resize: vertical; min-height: 100px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { width: 100%; padding: 14px; font-size: 16px; }
.form-privacy {
  font-size: 12px;
  color: var(--gray-400);
  text-align: center;
  margin-top: 12px;
}
.form-privacy a { color: var(--navy); }
.form-info-box {
  background: #e8f4fd;
  border-left: 3px solid var(--navy);
  padding: 12px 16px;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 13px;
  color: var(--navy-dark);
  line-height: 1.6;
  margin-bottom: 20px;
}
.form-info-box strong { font-weight: 700; }

/* Upload area */
.upload-area {
  border: 2px dashed var(--gray-blue);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  background: var(--gray-50);
}
.upload-area:hover, .upload-area.dragover {
  border-color: var(--navy);
  background: #e8f0f8;
}
.upload-icon { font-size: 36px; margin-bottom: 12px; }
.upload-text { font-size: 15px; font-weight: 600; color: var(--navy); }
.upload-sub { font-size: 12px; color: var(--gray-600); margin-top: 4px; }
.upload-types { font-size: 11px; color: var(--gray-400); margin-top: 8px; }
#file-input { display: none; }
.uploaded-file {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #e8f4e8;
  border: 1px solid #4CAF50;
  border-radius: var(--radius);
  padding: 10px 14px;
  margin-top: 12px;
  font-size: 13px;
  color: #1b5e20;
}

/* ── SIDEBAR PANEL ── */
.sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  align-items: start;
  min-width: 0;
}
.sidebar-layout > * { min-width: 0; max-width: 100%; }
@media (max-width: 900px) {
  .sidebar-layout {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .sidebar-col {
    display: none;
  }
  .sidebar-card {
    position: static;
  }
}
.sidebar-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: sticky;
  top: 88px;
}
.sidebar-card-header {
  background: var(--navy);
  padding: 16px 20px;
}
.sidebar-card-header h3 {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.sidebar-card-body { padding: 20px; }
.sidebar-stat {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-200);
}
.sidebar-stat:last-child { border-bottom: none; }
.sidebar-stat-icon { color: var(--navy); font-size: 18px; flex-shrink: 0; margin-top: 1px; display: flex; align-items: center; justify-content: center; width: 20px; }
.sidebar-stat-text strong { display: block; font-size: 14px; font-weight: 700; color: var(--navy); }
.sidebar-stat-text span { font-size: 12px; color: var(--gray-600); }
.sidebar-divider { border: none; border-top: 1px solid var(--gray-200); margin: 16px 0; }
.sidebar-partner {
  text-align: center;
  font-size: 11px;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 1px;
}
.sidebar-partner-logo {
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-top: 4px;
  text-align: center;
}

/* ── QUOTE TOOL ── */
.quote-step { display: none; }
.quote-step.active { display: block; }
.step-indicator {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 28px;
}
.step-dot {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-400);
}
.step-dot.active { color: var(--navy); }
.step-dot.done { color: var(--navy); }
.step-dot-circle {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 2px solid var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  background: var(--white);
}
.step-dot.active .step-dot-circle { border-color: var(--navy); color: var(--navy); }
.step-dot.done .step-dot-circle { background: var(--navy); border-color: var(--navy); color: var(--white); }
.step-line { flex: 1; height: 1px; background: var(--gray-200); margin: 0 8px; }

/* Plans display */
.plans-grid { display: flex; flex-direction: column; gap: 16px; }
.plan-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}
.plan-card:hover { border-color: var(--navy); box-shadow: var(--shadow-md); }
.plan-card.featured { border-color: var(--navy); border-width: 2px; }
.plan-badge-featured {
  background: var(--navy);
  color: var(--white);
  font-size: 10px;
  font-weight: 700;
  padding: 4px 10px;
  letter-spacing: 1px;
  text-transform: uppercase;
  text-align: center;
}
.plan-body { padding: 20px 24px; }
.plan-header-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 12px;
}
.plan-name { font-size: 16px; font-weight: 700; color: var(--navy); }
.plan-issuer { font-size: 12px; color: var(--gray-600); margin-top: 2px; }
.plan-price { text-align: right; flex-shrink: 0; }
.plan-price-num {
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.plan-price-label { font-size: 12px; color: var(--gray-600); }
.plan-details {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  padding: 14px 0;
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
  margin-bottom: 14px;
}
.plan-detail-item { }
.plan-detail-label { font-size: 10px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--gray-400); margin-bottom: 3px; }
.plan-detail-value { font-size: 13px; font-weight: 600; color: var(--gray-800); }
.plan-actions { display: flex; gap: 10px; align-items: center; }
.plan-type-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 2px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
.badge-gold { background: #fff3cd; color: #856404; }
.badge-silver { background: #f0f0f0; color: #555; }
.badge-bronze { background: #fff0e0; color: #8a5400; }
.badge-platinum { background: #e8eaf6; color: #1a237e; }
.badge-catastrophic { background: #fce4ec; color: #880e4f; }

/* Loading spinner */
.spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--gray-200);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin: 40px auto;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ── SUCCESS STATE ── */
.success-box {
  text-align: center;
  padding: 48px 24px;
}
.success-check {
  width: 64px;
  height: 64px;
  background: #e8f5e9;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.success-check svg { width: 32px; height: 32px; fill: #2e7d32; }
.success-title { font-family: var(--font-serif); font-size: 24px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.success-body { font-size: 15px; color: var(--gray-600); line-height: 1.7; max-width: 400px; margin: 0 auto 24px; }

/* ── INFO PAGES ── */
.content-grid { display: grid; grid-template-columns: 220px 1fr; gap: 48px; align-items: start; }
.content-nav { position: sticky; top: 88px; }
.content-nav-title { font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gray-400); margin-bottom: 12px; }
.content-nav ul { list-style: none; }
.content-nav ul li a {
  display: block;
  padding: 8px 12px;
  font-size: 14px;
  color: var(--gray-600);
  text-decoration: none;
  border-left: 2px solid var(--gray-200);
  transition: var(--transition);
}
.content-nav ul li a:hover, .content-nav ul li a.active {
  color: var(--navy);
  border-left-color: var(--navy);
  background: var(--gray-50);
}
.content-body h2 {
  font-family: var(--font-serif);
  font-size: 24px;
  font-weight: 700;
  color: var(--navy);
  margin: 32px 0 12px;
}
.content-body h2:first-child { margin-top: 0; }
.content-body p { font-size: 15px; color: var(--gray-600); line-height: 1.75; margin-bottom: 16px; }
.content-body ul { margin-bottom: 16px; padding-left: 20px; }
.content-body ul li { font-size: 15px; color: var(--gray-600); line-height: 1.75; margin-bottom: 6px; }
.info-callout {
  background: #e8f4fd;
  border-left: 4px solid var(--navy);
  padding: 16px 20px;
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  margin: 20px 0;
}
.info-callout p { font-size: 14px; color: var(--navy-dark); margin: 0; }

/* ── MOBILE ── */
.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  color: var(--white);
}
.mobile-menu-btn svg { width: 24px; height: 24px; fill: currentColor; }

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 480px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-grid { grid-template-columns: repeat(3, 1fr); }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .steps-grid::after { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .sidebar-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .content-grid { grid-template-columns: 1fr; }
  .content-nav { display: none; }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta-btn { display: none; }
  .mobile-menu-btn { display: flex; }
  /* Center trust bar on mobile */
  .hero-trust { justify-content: center; flex-wrap: wrap; gap: 10px; }
  .hero-divider { display: none; }
  .nav-inner { position: relative; justify-content: flex-end; }
  .nav-logo { position: absolute; left: 50%; transform: translateX(-50%); }
  .nav-logo img { height: 32px; }
  .hero h1 { font-size: 32px; }
  .actions-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .cta-band-inner { flex-direction: column; text-align: center; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-brand { text-align: center; }
  .footer-brand img { margin: 0 auto; }
  .footer-brand address { text-align: center; }
  .footer-col { text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .plan-details { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: 1fr 1fr; }
}

/* ── ANNOUNCEMENT BAR ── */
.announcement {
  background: var(--red);
  padding: 8px 0;
  text-align: center;
}
.announcement p {
  font-size: 13px;
  color: var(--white);
  font-weight: 500;
}
.announcement a { color: var(--white); font-weight: 700; text-decoration: underline; }

/* ── TESTIMONIALS ── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 24px;
}
.testimonial-stars { color: #f5a623; font-size: 14px; margin-bottom: 12px; }
.testimonial-text { font-size: 14px; color: var(--gray-600); line-height: 1.7; font-style: italic; margin-bottom: 16px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
  overflow: hidden;
  border: 2px solid var(--gray-200);
}
.testimonial-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.testimonial-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.testimonial-location { font-size: 12px; color: var(--gray-400); }

@media (max-width: 768px) {
  .testimonials-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════════
   MOBILE FIXES — Applied for phone optimization
   ══════════════════════════════════════════════ */

/* Hide left utility bar text on phones, center phone number */
@media (max-width: 640px) {
  .utility-bar-left { display: none; }
  .utility-bar-right {
    width: 100%;
    justify-content: center;
    padding: 2px 0;
  }
  .util-sep { display: none; }

  /* Tighter section padding */
  .section { padding: 40px 0; }
  .hero { padding: 40px 0 48px; }

  /* Tighter container edges */
  .container { padding: 0 16px; }

  /* Hero card full width */
  .hero-card { max-width: 100%; }

  /* Insurance grid stays 2-col but with more padding room */
  .insurance-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .ins-card { padding: 16px 10px; }

  /* Plan details single column on very small screens */
  .plan-details { grid-template-columns: 1fr 1fr; }

  /* Stat strip: tighter */
  .stat-num { font-size: 28px; }
  .stat-item { padding: 20px 12px; }

  /* Page header tighter */
  .page-header { padding: 28px 0; }
  .page-header h1 { font-size: 26px; }

  /* Announcement bar wraps cleanly */
  .announcement p { font-size: 12px; padding: 0 12px; }

  /* Footer bottom stacks cleanly */
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; }

  /* Form card padding reduced */
  .form-card-body { padding: 20px 16px; }
  .form-card-header { padding: 16px 20px; }

  /* CTA band buttons full width on mobile */
  .cta-band-inner > div:last-child { width: 100%; }
  .cta-band-inner .btn { width: 100%; justify-content: center; }

  /* Success box tighter */
  .success-box { padding: 32px 16px; }

  /* Sidebar cards no sticky on mobile */
  .sidebar-card { position: static; }

  /* Steps grid single column */
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }
  .steps-grid::after { display: none; }

  /* Testimonials single column */
  .testimonials-grid { grid-template-columns: 1fr; }

  /* Features grid single column */
  .features-grid { grid-template-columns: 1fr; }

  /* Actions grid already 1-col at 768px, keep */
  .actions-grid { grid-template-columns: 1fr; }

  /* Section title smaller */
  .section-title { font-size: 26px; }

  /* Broker page hero phone number */
  .broker-cta-phone { font-size: 34px !important; }
}

@media (max-width: 400px) {
  .hero h1 { font-size: 28px; }
  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .btn-lg { padding: 14px 20px; font-size: 15px; }
}

/* Hide "Nationwide" in right bar on desktop — shown in left bar there */
.util-nationwide { display: none; }
@media (max-width: 640px) {
  .util-nationwide { display: inline; }
}