/* ===== MedaHealth Associates — design tokens ===== */
:root,
[data-theme='light'] {
  /* Surfaces — clinical white with sky-blue undertone */
  --color-bg: #f4f9fc;
  --color-surface: #ffffff;
  --color-surface-2: #f7fbfe;
  --color-surface-offset: #eef6fc;
  --color-divider: #dbeaf4;
  --color-border: #cfe2f0;

  /* Text */
  --color-text: #0b2a3d;
  --color-text-muted: #4a6b7d;
  --color-text-faint: #8aa3b2;
  --color-text-inverse: #f4f9fc;

  /* Primary — deep navy blue */
  --color-primary: #0F4C75;
  --color-primary-hover: #0B3A5C;
  --color-primary-active: #082d47;
  --color-primary-highlight: #dceaf4;
  --color-accent: #3B7EA1;
  --color-sky: #89C4F4;

  /* CTA accent — warm orange for conversion */
  --color-cta: #ff6a3d;
  --color-cta-hover: #f25322;
  --color-cta-active: #d9461a;

  --color-warning: #9a5b00;
  --color-error: #c0392b;
  --color-success: #1f8a5f;

  --radius-sm: 0.375rem;
  --radius-md: 0.625rem;
  --radius-lg: 1rem;
  --radius-xl: 1.25rem;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 2px rgba(15, 76, 117, 0.06);
  --shadow-md: 0 6px 20px rgba(15, 76, 117, 0.10);
  --shadow-lg: 0 18px 50px rgba(11, 42, 60, 0.16);

  --transition: 200ms cubic-bezier(0.16, 1, 0.3, 1);

  --content: 1120px;

  --font-body: 'Open Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-display: 'Oswald', 'Open Sans', system-ui, sans-serif;
  --font-serif: 'Oswald', 'Open Sans', sans-serif;
}

[data-theme='dark'] {
  --color-bg: #07131c;
  --color-surface: #0c1a26;
  --color-surface-2: #0f2030;
  --color-surface-offset: #12273a;
  --color-divider: #1b3548;
  --color-border: #234660;
  --color-text: #d4e6f2;
  --color-text-muted: #8aa3b2;
  --color-text-faint: #5e7686;
  --color-text-inverse: #07131c;
  --color-primary: #5a9fc7;
  --color-primary-hover: #6fb2d8;
  --color-primary-active: #84c5e9;
  --color-primary-highlight: #133047;
  --color-accent: #6fb2d8;
  --color-sky: #6fb2d8;
  --color-cta: #ff7d52;
  --color-cta-hover: #ff9266;
  --color-cta-active: #ffb088;
  --color-success: #4cb87f;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.3);
  --shadow-md: 0 6px 20px rgba(0,0,0,0.4);
  --shadow-lg: 0 18px 50px rgba(0,0,0,0.5);
}

/* ===== Base ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  -webkit-text-size-adjust: none;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  scroll-behavior: smooth;
  scroll-padding-top: 90px;
}
body {
  min-height: 100dvh;
  line-height: 1.6;
  font-family: var(--font-body);
  font-size: clamp(1rem, 0.95rem + 0.2vw, 1.075rem);
  color: var(--color-text);
  background-color: var(--color-bg);
  background-image: radial-gradient(circle at 15% -10%, rgba(137, 196, 244, 0.18), transparent 45%), radial-gradient(circle at 95% 8%, rgba(255, 106, 61, 0.07), transparent 38%);
  background-attachment: fixed;
}
img, svg { display: block; max-width: 100%; height: auto; }
ul[role='list'] { list-style: none; }
input, button, textarea, select { font: inherit; color: inherit; }
h1, h2, h3, h4 { line-height: 1.15; text-wrap: balance; }
p, li { text-wrap: pretty; max-width: 70ch; }
a { color: var(--color-primary); transition: color var(--transition); }
a:hover { color: var(--color-primary-hover); }
button { cursor: pointer; background: none; border: none; }
:focus-visible { outline: 2.5px solid var(--color-primary); outline-offset: 2px; border-radius: var(--radius-sm); }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; } }

.container { width: 100%; max-width: var(--content); margin-inline: auto; padding-inline: clamp(1rem, 4vw, 2rem); }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font-family: var(--font-body); font-weight: 700; font-size: var(--text-sm, 1rem);
  padding: 0.8rem 1.35rem; border-radius: var(--radius-full); text-decoration: none;
  border: 1.5px solid transparent; transition: all var(--transition); white-space: nowrap;
}
.btn-sm { padding: 0.55rem 1rem; font-size: 0.875rem; }
.btn-lg { padding: 1rem 1.75rem; font-size: 1.0625rem; }
.btn-block { width: 100%; }
.btn-primary { background: var(--color-cta); color: #fff; box-shadow: 0 6px 16px rgba(255, 106, 61, 0.32); }
.btn-primary:hover { background: var(--color-cta-hover); color: #fff; transform: translateY(-1px); box-shadow: 0 10px 22px rgba(255, 106, 61, 0.4); }
.btn-primary:active { background: var(--color-cta-active); transform: translateY(0); }
.btn-light { background: #fff; color: var(--color-primary-active); }
.btn-light:hover { background: #f4f9fc; }
.btn-ghost { background: transparent; color: var(--color-text-muted); border-color: var(--color-border); }
.btn-ghost:hover { color: var(--color-text); border-color: var(--color-primary); }

.hero-quick-actions { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: 0.85rem; }
.hero-quick-actions .btn { flex: 1 1 150px; }

.success-urgent { font-weight: 700; color: var(--color-text); margin-top: 0.4rem; }
.success-call { margin-top: 0.5rem; justify-content: center; }
.success-fine { font-size: var(--text-xs); color: var(--color-text-muted); margin-top: 0.4rem; }

/* ===== Header ===== */
section[id], main[id] { scroll-margin-top: 76px; }
.header { position: sticky; top: 0; z-index: 100; background: color-mix(in oklab, var(--color-surface) 88%, transparent); backdrop-filter: blur(14px); border-bottom: 1px solid var(--color-divider); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; height: 68px; }
.brand { display: inline-flex; align-items: center; gap: 0.6rem; text-decoration: none; color: var(--color-primary); }
.brand-mark { color: var(--color-primary); display: inline-flex; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; color: var(--color-text); letter-spacing: 0; text-transform: uppercase; }
.brand-sub { font-size: 0.625rem; text-transform: uppercase; letter-spacing: 0.18em; color: var(--color-text-muted); font-weight: 600; }
.nav { display: flex; gap: 0.8rem; flex: 1 1 auto; min-width: 0; justify-content: center; overflow: hidden; }
.nav a { color: var(--color-text-muted); font-weight: 600; font-size: 0.875rem; text-decoration: none; white-space: nowrap; }
.nav a:hover { color: var(--color-text); }
.header-actions { display: flex; align-items: center; gap: 0.6rem; }
.phone-pill { display: inline-flex; align-items: center; gap: 0.4rem; color: var(--color-text); font-weight: 700; font-size: 0.9375rem; text-decoration: none; white-space: nowrap; }
.phone-pill:hover { color: var(--color-primary); }
@media (max-width: 900px) { .nav { display: none; } }
@media (max-width: 720px) { .phone-pill span { display: none; } .phone-pill { padding: 0.4rem; border-radius: var(--radius-full); border: 1px solid var(--color-border); } }
@media (max-width: 520px) { .header-actions .btn-sm { display: none; } }

/* ===== Theme toggle ===== */
.theme-toggle { display: inline-flex; align-items: center; justify-content: center; width: 38px; height: 38px; border-radius: var(--radius-full); color: var(--color-text-muted); border: 1px solid var(--color-border); transition: all var(--transition); }
.theme-toggle:hover { color: var(--color-primary); border-color: var(--color-primary); background: var(--color-primary-highlight); }
@media (max-width: 520px) { .theme-toggle { display: none; } }

/* ===== Hero ===== */
.hero { padding-block: clamp(2.5rem, 6vw, 4.5rem); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
@media (max-width: 940px) { .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; } }
.eyebrow { display: inline-block; font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--color-primary); background: var(--color-primary-highlight); padding: 0.35rem 0.8rem; border-radius: var(--radius-full); margin-bottom: 1rem; }
.hero-title { font-family: var(--font-display); font-size: clamp(2rem, 1.2rem + 3.2vw, 3.3rem); font-weight: 700; letter-spacing: 0; line-height: 1.1; text-transform: uppercase; }
.hero-lede { margin-top: 1.1rem; color: var(--color-text-muted); font-size: clamp(1rem, 0.95rem + 0.3vw, 1.18rem); max-width: 54ch; }
.hero-lede strong { color: var(--color-primary); font-weight: 700; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 0.6rem 1.5rem; margin-top: 1.6rem; }
.trust-item { display: inline-flex; align-items: center; gap: 0.45rem; font-weight: 600; font-size: 0.9375rem; color: var(--color-text); }
.trust-item svg { color: var(--color-primary); }
.hero-cta { margin-top: 1.9rem; }
.hero-fine { margin-top: 0.75rem; font-size: 0.8125rem; color: var(--color-text-faint); }

/* ===== Quote card ===== */
.quote-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: clamp(1.4rem, 3vw, 2rem); box-shadow: var(--shadow-lg); position: relative; overflow: hidden; }
.quote-card::before { content: ''; position: absolute; inset: 0 0 auto 0; height: 5px; background: linear-gradient(90deg, var(--color-primary), var(--color-accent), var(--color-cta)); }
.quote-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; margin-bottom: 1.1rem; }
.quote-title { font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0; }
.quote-sub { font-size: 0.875rem; color: var(--color-text-muted); margin-top: 0.15rem; }
.step-badge { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-primary); background: var(--color-primary-highlight); padding: 0.35rem 0.7rem; border-radius: var(--radius-full); white-space: nowrap; }

.progress { height: 5px; background: var(--color-surface-offset); border-radius: var(--radius-full); margin-bottom: 1.3rem; overflow: hidden; }
.progress-bar { height: 100%; background: linear-gradient(90deg, var(--color-primary), var(--color-accent)); border-radius: var(--radius-full); transition: width 400ms cubic-bezier(0.16,1,0.3,1); }

.quote-form { min-height: 230px; }
.step { border: none; padding: 0; display: none; animation: fade 360ms cubic-bezier(0.16,1,0.3,1); }
.step.is-active { display: block; }
.step.is-active[disabled] { opacity: 1; }
.step[disabled] { opacity: 0.45; pointer-events: none; }
.step-legend { font-family: var(--font-display); font-weight: 600; font-size: 1.0625rem; text-transform: uppercase; letter-spacing: 0.01em; margin-bottom: 1rem; color: var(--color-text); padding: 0; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.field { margin-bottom: 1rem; }
.field label { display: block; font-weight: 600; font-size: 0.875rem; margin-bottom: 0.4rem; }
.optional { font-weight: 400; color: var(--color-text-faint); }
.field input, .field select, .field textarea {
  width: 100%; padding: 0.8rem 0.9rem; border: 1.5px solid var(--color-border); border-radius: var(--radius-md);
  background: var(--color-surface-2); font-size: 1rem; transition: all var(--transition); color: var(--color-text);
}
.field input::placeholder { color: var(--color-text-faint); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--color-primary); background: var(--color-surface); box-shadow: 0 0 0 3px var(--color-primary-highlight); }
.field input.invalid, .field select.invalid { border-color: var(--color-error); box-shadow: 0 0 0 3px rgba(192,57,43,0.12); }

.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.6rem; margin-bottom: 1rem; }
@media (max-width: 420px) { .choice-grid { grid-template-columns: 1fr; } }
.choice { cursor: pointer; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice-box { display: block; border: 1.5px solid var(--color-border); border-radius: var(--radius-md); padding: 0.75rem 0.8rem; background: var(--color-surface-2); transition: all var(--transition); }
.choice-box strong { display: block; font-size: 0.9375rem; font-weight: 700; }
.choice-box small { display: block; font-size: 0.75rem; color: var(--color-text-muted); margin-top: 0.15rem; }
.choice:hover .choice-box { border-color: var(--color-primary); }
.choice input:checked + .choice-box { border-color: var(--color-primary); background: var(--color-primary-highlight); box-shadow: 0 0 0 1px var(--color-primary); }
.choice input:checked + .choice-box strong { color: var(--color-primary-active); }

.btn-row { display: flex; gap: 0.75rem; margin-top: 0.4rem; }
.btn-row .btn { flex: 1; }

.consent { display: flex; gap: 0.7rem; align-items: flex-start; margin: 1.1rem 0 1rem; font-size: 0.8125rem; line-height: 1.5; color: var(--color-text-muted); cursor: pointer; }
.consent input { margin-top: 0.2rem; width: 18px; height: 18px; accent-color: var(--color-primary); flex-shrink: 0; }
.consent input.invalid { outline: 2px solid var(--color-error); outline-offset: 1px; }
.consent a { color: var(--color-primary); }
.form-fine { font-size: 0.75rem; color: var(--color-text-faint); text-align: center; margin-top: 0.7rem; }
.form-fine a { color: var(--color-text-muted); text-decoration: underline; }

/* ===== Google Form embed ===== */
.embed-intro { font-size: 0.95rem; color: var(--color-text-muted); margin: 0 0 1rem; line-height: 1.5; }
.gform-frame { border: 1px solid var(--color-border); border-radius: var(--radius-lg); overflow: hidden; background: var(--color-surface-2, #fff); }
.gform-embed { display: block; width: 100%; height: 720px; border: 0; min-height: 640px; }
.embed-call { display: flex; align-items: center; justify-content: center; gap: 0.7rem; flex-wrap: wrap; margin-top: 1.1rem; padding-top: 1.1rem; border-top: 1px solid var(--color-border); }
.embed-call span { font-size: 0.95rem; color: var(--color-text-muted); font-weight: 600; }
.embed-call .btn { flex: 0 0 auto; }
@media (max-width: 520px) { .gform-embed { height: 820px; } .embed-call { flex-direction: column; gap: 0.5rem; } }

#submitBtn { margin-top: 0.2rem; }
#submitBtn.is-loading { pointer-events: none; opacity: 0.85; }
#submitBtn.is-loading .btn-label::after { content: '…'; }

.success { text-align: center; padding: 1.4rem 0.5rem; }
.success svg { color: var(--color-success); margin: 0 auto 0.8rem; }
.success h3 { font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; text-transform: uppercase; }
.success p { margin-top: 0.5rem; color: var(--color-text-muted); }

/* ===== ACA / Obamacare emphasis ===== */
.aca { background: linear-gradient(135deg, var(--color-primary-active) 0%, var(--color-primary) 60%, #1f6fa3 100%); color: #fff; padding-block: clamp(2.6rem, 6vw, 4.2rem); position: relative; overflow: hidden; }
.aca::after { content: ''; position: absolute; inset: auto -10% -60% auto; width: 30rem; height: 30rem; background: radial-gradient(circle, rgba(137,196,244,0.25), transparent 65%); pointer-events: none; }
.aca-inner { max-width: 760px; margin: 0 auto; text-align: center; position: relative; z-index: 1; }
.aca-badge { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.45rem 1rem; border-radius: 9999px; background: rgba(255,255,255,0.14); border: 1px solid rgba(137,196,244,0.6); color: #cfe8fb; font-weight: 700; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 1.1rem; }
.aca-title { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.6rem, 1.2rem + 2vw, 2.5rem); text-transform: uppercase; line-height: 1.05; letter-spacing: 0.01em; margin-bottom: 0.9rem; }
.aca-sub { font-size: clamp(0.98rem, 0.94rem + 0.2vw, 1.1rem); line-height: 1.6; color: #e7f2fb; max-width: 62ch; margin: 0 auto 1.6rem; }
.aca-points { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem 1.4rem; max-width: 620px; margin: 0 auto 1.8rem; text-align: left; }
@media (max-width: 560px) { .aca-points { grid-template-columns: 1fr; } }
.aca-points li { display: flex; align-items: center; gap: 0.55rem; font-size: 0.92rem; color: #eaf4fc; }
.aca-points svg { color: var(--color-accent); flex: none; }
.aca .btn-light { background: #fff; color: var(--color-primary-active); }
.aca .btn-light:hover { background: #eaf4fc; }
.aca-compare .aca-inner { max-width: 1080px; }
.aca-compare .aca-sub strong { color: #fff; }

/* comparison cards — hardcoded navy text (cards are always white) */
.cmp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; margin: 1.8rem 0 2rem; }
@media (max-width: 760px) { .cmp-grid { grid-template-columns: 1fr; } }
.cmp-card { background: #ffffff; color: #0b2a3d; border-radius: 16px; padding: 1.6rem 1.5rem 1.5rem; box-shadow: 0 18px 40px -22px rgba(0,0,0,0.45); position: relative; overflow: hidden; border: 1px solid #dbeaf4; }
.cmp-card::before { content: ''; position: absolute; inset: 0 auto 0 0; width: 5px; }
.cmp-card--aca::before { background: #3B7EA1; }
.cmp-card--ppo::before { background: #ff6a3d; }
.cmp-card-head { margin-bottom: 1.1rem; padding-bottom: 1rem; border-bottom: 1px solid #dbeaf4; }
.cmp-card-head h3 { font-family: var(--font-display); font-weight: 700; font-size: 1.4rem; text-transform: uppercase; letter-spacing: 0.02em; color: #0F4C75; margin-top: 0.5rem; }
.cmp-tag { display: inline-block; font-size: 0.66rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: #ffffff; background: #0F4C75; padding: 0.3rem 0.7rem; border-radius: 9999px; }
.cmp-tag--alt { background: #ff6a3d; }
.cmp-best { font-size: 0.86rem; color: #4a6b7d; margin-top: 0.55rem; line-height: 1.45; }
.cmp-rows { display: grid; gap: 0.6rem; }
.cmp-rows > div { display: grid; grid-template-columns: 7.2rem 1fr; gap: 0.8rem; align-items: start; padding-bottom: 0.6rem; border-bottom: 1px dashed #dbeaf4; }
.cmp-rows > div:last-child { border-bottom: none; padding-bottom: 0; }
.cmp-rows dt { font-size: 0.74rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: #0F4C75; padding-top: 0.1rem; }
.cmp-rows dd { font-size: 0.88rem; line-height: 1.5; color: #1a3d52; }
.cmp-rows dd strong { color: #082d47; }
.cmp-note { margin-top: 1.1rem; padding: 0.8rem 0.9rem; background: #eef6fc; border-radius: 10px; font-size: 0.8rem; line-height: 1.5; color: #2c4a5e; border: 1px solid #dbeaf4; }

/* decision tool */
.route-tool { background: rgba(7,19,28,0.34); border: 1px solid rgba(137,196,244,0.42); border-radius: 18px; padding: 1.8rem 1.6rem; margin: 0 auto 1.6rem; max-width: 860px; backdrop-filter: blur(2px); box-shadow: 0 24px 60px -30px rgba(0,0,0,0.55); }
.route-title { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.3rem, 1rem + 1.4vw, 1.7rem); text-transform: uppercase; color: #ffffff; text-align: center; }
.route-title span { display: inline-block; font-family: var(--font-body); font-size: 0.66rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: #07131c; background: #89C4F4; padding: 0.2rem 0.6rem; border-radius: 9999px; margin-left: 0.4rem; vertical-align: middle; }
.route-sub { text-align: center; color: #cfe8fb; font-size: 0.92rem; margin: 0.5rem auto 1.4rem; max-width: 56ch; line-height: 1.5; }
.route-form { display: grid; gap: 1rem; }
.route-q { border: 1px solid rgba(137,196,244,0.3); border-radius: 12px; padding: 1rem 1.1rem 1.1rem; background: rgba(255,255,255,0.06); transition: border-color .15s, background .15s; }
.route-q:focus-within { border-color: rgba(255,106,61,0.6); background: rgba(255,255,255,0.09); }
.route-q legend { font-size: 0.84rem; font-weight: 700; color: #ffffff; padding: 0 0.5rem; letter-spacing: 0.01em; }
.route-hint { font-size: 0.76rem; color: #ffd9c2; margin-top: 0.6rem; line-height: 1.5; padding: 0.5rem 0.75rem; background: rgba(255,106,61,0.10); border-left: 3px solid rgba(255,106,61,0.5); border-radius: 0 8px 8px 0; }
/* choice cards */
.route-choices { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 0.6rem; margin-top: 0.6rem; }
.route-choice { display: flex; cursor: pointer; border: 1px solid rgba(137,196,244,0.35); border-radius: 10px; padding: 0.7rem 0.8rem; background: rgba(255,255,255,0.04); transition: border-color .15s, background .15s; position: relative; }
.route-choice:hover { border-color: #89C4F4; background: rgba(255,255,255,0.1); }
.route-choice input { position: absolute; opacity: 0; pointer-events: none; }
.route-choice:has(input:checked) { border-color: #ff6a3d; background: rgba(255,106,61,0.14); }
.route-choice:has(input:checked)::after { content: '\2713'; position: absolute; top: -7px; right: -7px; width: 20px; height: 20px; background: #ff6a3d; color: #ffffff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.72rem; font-weight: 800; border: 2px solid #0c2740; box-shadow: 0 2px 6px rgba(0,0,0,0.3); }
.route-choice span { display: flex; flex-direction: column; gap: 0.1rem; }
.route-choice strong { font-size: 0.88rem; color: #ffffff; font-weight: 700; }
.route-choice small { font-size: 0.76rem; color: #ffd0a8; }
.route-choice:has(input:checked) small { color: #ffe7d4; }
/* income number input */
.income-input { display: flex; align-items: center; margin-top: 0.6rem; max-width: 280px; border: 1px solid rgba(137,196,244,0.4); border-radius: 10px; background: rgba(255,255,255,0.08); overflow: hidden; transition: border-color .15s, box-shadow .15s; }
.income-input:focus-within { border-color: #ff6a3d; box-shadow: 0 0 0 3px rgba(255,106,61,0.18); }
.income-input .prefix { padding: 0 0.2rem 0 0.8rem; color: #89C4F4; font-weight: 700; font-size: 1rem; }
.income-input input { border: none; background: transparent; padding: 0.7rem 0.8rem 0.7rem 0.2rem; width: 100%; color: #ffffff; font-size: 1rem; font-weight: 600; outline: none; }
.income-input input::placeholder { color: #c9a98e; font-weight: 400; }
.income-input input::-webkit-outer-spin-button, .income-input input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.income-input input { -moz-appearance: textfield; appearance: textfield; }
/* family member rows */
.q-members { display: grid; gap: 0.6rem; margin-top: 0.8rem; }
.q-member { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0.5rem; align-items: end; padding: 0.6rem 0.7rem; background: rgba(255,255,255,0.05); border: 1px solid rgba(137,196,244,0.22); border-radius: 10px; }
@media (max-width: 560px) { .q-member { grid-template-columns: 1fr; } }
.q-member label { font-size: 0.7rem; color: #9fb6c6; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700; display: block; margin-bottom: 0.2rem; }
.q-member input, .q-member select { width: 100%; border: 1px solid rgba(137,196,244,0.4); background: rgba(7,19,28,0.5); color: #ffffff; border-radius: 8px; padding: 0.5rem 0.55rem; font-size: 0.86rem; outline: none; transition: border-color .15s, box-shadow .15s; }
.q-member input:focus, .q-member select:focus { border-color: #ff6a3d; box-shadow: 0 0 0 3px rgba(255,106,61,0.18); }
#q_family_count:focus { border-color: #ff6a3d; box-shadow: 0 0 0 3px rgba(255,106,61,0.18); }
.q-member input::-webkit-calendar-picker-indicator { filter: invert(1); opacity: 0.7; }
.route-conditional[hidden] { display: none; }
/* contact fields */
.route-contact { display: grid; grid-template-columns: 1fr 1fr; gap: 0.6rem; margin-top: 0.6rem; }
@media (max-width: 560px) { .route-contact { grid-template-columns: 1fr; } }
.route-contact .field-cell label { font-size: 0.7rem; color: #ffd0a8; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700; display: block; margin-bottom: 0.25rem; }
.route-contact .field-cell input { width: 100%; border: 1px solid rgba(137,196,244,0.4); background: rgba(7,19,28,0.5); color: #ffffff; border-radius: 8px; padding: 0.6rem 0.7rem; font-size: 0.9rem; outline: none; transition: border-color .15s, box-shadow .15s; }
.route-contact .field-cell input:focus { border-color: #ff6a3d; box-shadow: 0 0 0 3px rgba(255,106,61,0.18); }
.route-contact .field-cell input::placeholder { color: #c9a98e; }
.route-contact .field-cell--full { grid-column: 1 / -1; }
.route-submit { margin-top: 0.4rem; width: 100%; justify-content: center; }
.route-result { margin-top: 1.2rem; border-radius: 12px; padding: 1.3rem 1.4rem; background: #ffffff; color: #0b2a3d; box-shadow: 0 14px 30px -16px rgba(0,0,0,0.5); animation: modalIn 0.25s ease-out; border: 1px solid #dbeaf4; }
.route-result h4 { font-family: var(--font-display); font-size: 1.25rem; text-transform: uppercase; color: #0F4C75; margin-bottom: 0.3rem; }
.route-result .rec-tag { display: inline-block; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: #ffffff; padding: 0.25rem 0.7rem; border-radius: 9999px; margin-bottom: 0.7rem; }
.route-result .rec-tag.aca { background: #0F4C75; }
.route-result .rec-tag.ppo { background: #ff6a3d; }
.route-result .rec-tag.either { background: #3B7EA1; }
.route-result .rec-fpl { font-size: 0.82rem; font-weight: 700; color: #082d47; margin: 0.4rem 0 0.6rem; padding: 0.5rem 0.7rem; background: #eef6fc; border-radius: 8px; border: 1px solid #dbeaf4; }
.route-result p { font-size: 0.9rem; line-height: 1.55; color: #2c4a5e; }
.route-result .rec-cta { margin-top: 1rem; display: flex; flex-wrap: wrap; gap: 0.6rem; }
.route-result .rec-cta .btn { flex: 1 1 auto; }
.route-disc { text-align: center; font-size: 0.76rem; color: #e8b89a; line-height: 1.5; margin-top: 1rem; }
.aca-cta-row { text-align: center; margin-top: 0.4rem; }

/* ===== Carrier modal ===== */
.carrier-logo { cursor: pointer; width: 100%; }
.modal-overlay { position: fixed; inset: 0; background: rgba(8,18,30,0.78); display: flex; align-items: center; justify-content: center; padding: 1rem; z-index: 1000; backdrop-filter: blur(3px); }
.modal-overlay[hidden] { display: none; }
.modal { position: relative; background: var(--color-surface); color: var(--color-text); width: 100%; max-width: 560px; max-height: 88vh; overflow-y: auto; border-radius: 16px; box-shadow: 0 30px 70px -20px rgba(0,0,0,0.6); padding: 2rem 1.8rem 1.8rem; animation: modalIn 0.22s ease-out; }
@keyframes modalIn { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }
.modal-close { position: absolute; top: 0.8rem; right: 0.8rem; background: var(--color-surface-2); border: 1px solid var(--color-border); width: 2.2rem; height: 2.2rem; border-radius: 50%; font-size: 1.3rem; line-height: 1; color: var(--color-text); cursor: pointer; transition: background var(--transition); }
.modal-close:hover { background: var(--color-divider); }
.modal-logo { display: flex; align-items: center; justify-content: center; height: 4rem; margin-bottom: 1rem; background: #fff; border: 1px solid var(--color-border); border-radius: 10px; padding: 0.6rem; }
.modal-logo img { height: 100%; width: auto; max-width: 220px; object-fit: contain; }
.modal-title { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; text-align: center; text-transform: uppercase; letter-spacing: 0.01em; }
.modal-meta { text-align: center; font-size: 0.8rem; color: var(--color-primary); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; margin: 0.4rem 0 1.2rem; }
.modal-body { font-size: 0.95rem; line-height: 1.6; color: var(--color-text); }
.modal-body h3 { font-family: var(--font-display); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-text); margin: 1.4rem 0 0.4rem; }
.modal-body p { color: var(--color-text-muted); }
.modal-body ul { list-style: none; display: grid; gap: 0.5rem; }
.modal-body ul li { padding-left: 1.5rem; position: relative; color: var(--color-text-muted); }
.modal-body ul li::before { content: ''; position: absolute; left: 0; top: 0.55em; width: 0.5rem; height: 0.5rem; border-radius: 50%; background: var(--color-primary); }
.modal-footer { text-align: center; margin-top: 1.6rem; }
.modal-disclaimer { font-size: 0.7rem; color: var(--color-text-faint); text-align: center; margin-top: 1.2rem; line-height: 1.5; }

/* ===== Carriers ===== */
.carriers { padding-block: clamp(2.6rem, 5vw, 3.8rem); background: linear-gradient(180deg, #f8f5ef 0%, #efe9dc 100%); border-block: 1px solid rgba(15,76,117,0.10); position: relative; }
.carriers::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(15,76,117,0.035) 1px, transparent 1px); background-size: 22px 22px; opacity: 0.6; pointer-events: none; }
.carriers > .container { position: relative; z-index: 1; }
.carriers-label { text-align: center; font-size: 0.74rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.18em; color: #0F4C75; margin-bottom: 0.4rem; }
.carriers-rule { display: flex; align-items: center; justify-content: center; gap: 0.6rem; margin-bottom: 1.8rem; }
.carriers-rule::before, .carriers-rule::after { content: ''; height: 1px; width: clamp(28px, 8vw, 70px); background: linear-gradient(90deg, transparent, #c9a24a, transparent); }
.carriers-rule svg { color: #c9a24a; }
.carrier-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 0.7rem; max-width: 1040px; margin: 0 auto; }
@media (max-width: 920px) { .carrier-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 520px) { .carrier-grid { grid-template-columns: repeat(2, 1fr); } }
.carrier-logo { aspect-ratio: 2.4 / 1; display: flex; align-items: center; justify-content: center; padding: 0.7rem 1rem; background: #ffffff; border: 1px solid rgba(15,76,117,0.14); border-radius: 12px; box-shadow: 0 1px 2px rgba(15,76,117,0.06), 0 6px 16px -10px rgba(15,76,117,0.18); transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition); }
.carrier-logo:hover { transform: translateY(-2px); box-shadow: 0 1px 2px rgba(15,76,117,0.06), 0 14px 28px -12px rgba(15,76,117,0.30); border-color: #c9a24a; }
.carrier-logo:focus-visible { outline: 2px solid #3B7EA1; outline-offset: 2px; }
.carrier-logo img { width: 100%; height: 100%; max-height: none; object-fit: contain; }
.carrier-fine { text-align: center; font-size: 0.72rem; color: #6a7d8a; margin-top: 1.8rem; max-width: 72ch; margin-inline: auto; line-height: 1.5; }

/* ===== Services ===== */
.plans { padding-block: clamp(2.8rem, 7vw, 5rem); }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 2.2rem; }
.plan-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; }
@media (max-width: 900px) { .plan-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .plan-grid { grid-template-columns: 1fr; } }
.plan-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 1.5rem; transition: all var(--transition); }
.plan-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--color-primary); }
.plan-icon { display: inline-flex; align-items: center; justify-content: center; width: 2.6rem; height: 2.6rem; border-radius: var(--radius-md); background: var(--color-primary-highlight); color: var(--color-primary); margin-bottom: 0.9rem; }
.plan-card h3 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 600; text-transform: uppercase; margin-bottom: 0.5rem; letter-spacing: 0.01em; }
.plan-card p { font-size: 0.9rem; color: var(--color-text-muted); }

/* ===== Life Insurance ===== */
.life { background: linear-gradient(135deg, #0b3c5e 0%, #0F4C75 52%, #155e89 100%); color: #eaf3fb; padding-block: clamp(2.8rem, 6vw, 4.5rem); position: relative; overflow: hidden; }
.life::before { content: ''; position: absolute; inset: -20% auto auto -10%; width: 28rem; height: 28rem; background: radial-gradient(circle, rgba(137,196,244,0.20), transparent 65%); pointer-events: none; }
.life-inner { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(1.8rem, 5vw, 3.5rem); align-items: center; position: relative; z-index: 1; }
@media (max-width: 860px) { .life-inner { grid-template-columns: 1fr; } }
.life-badge { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.45rem 1rem; border-radius: 9999px; background: rgba(137,196,244,0.14); border: 1px solid rgba(137,196,244,0.5); color: #cfe6fb; font-weight: 700; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 1.1rem; }
.life-title { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.8rem, 1.3rem + 2.4vw, 2.8rem); text-transform: uppercase; line-height: 1.05; letter-spacing: 0.01em; margin-bottom: 0.9rem; max-width: 16ch; }
.life-sub { font-size: clamp(0.98rem, 0.94rem + 0.2vw, 1.1rem); line-height: 1.6; color: #cfe1f0; max-width: 54ch; margin-bottom: 1.5rem; }
.life-points { list-style: none; display: grid; gap: 0.7rem; margin-bottom: 1.6rem; }
.life-points li { padding-left: 1.6rem; position: relative; font-size: 0.95rem; color: #e3eef9; line-height: 1.5; }
.life-points li::before { content: ''; position: absolute; left: 0; top: 0.55em; width: 0.5rem; height: 0.5rem; border-radius: 50%; background: #89C4F4; }
.life-points strong { color: #dbeeff; font-weight: 700; }
.life-card { display: flex; justify-content: center; }
.life-card-inner { width: 100%; max-width: 300px; background: rgba(255,255,255,0.07); border: 1px solid rgba(137,196,244,0.35); border-radius: var(--radius-lg); padding: 1.8rem 1.6rem; text-align: center; backdrop-filter: blur(4px); box-shadow: 0 18px 40px -12px rgba(0,0,0,0.4); }
.life-card-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; color: #9bc6e6; margin-bottom: 0.4rem; }
.life-card-amount { font-family: var(--font-display); font-weight: 700; font-size: 2.6rem; color: #fff; line-height: 1; }
.life-card-term { font-size: 0.85rem; color: #cfe6fb; margin-top: 0.3rem; margin-bottom: 1.2rem; }
.life-card-row { display: flex; justify-content: space-between; font-size: 0.8rem; color: #bcd6ec; padding-top: 0.8rem; border-top: 1px solid rgba(255,255,255,0.15); }
.life-card-price { font-family: var(--font-display); font-weight: 700; font-size: 1.8rem; color: #fff; margin-top: 0.3rem; }
.life-card-price strong { font-size: 2.6rem; }
.life-card-fine { font-size: 0.68rem; color: #8fb3cc; margin-top: 0.8rem; line-height: 1.4; }
.life .btn-primary { background: #d9b25c; color: #1a2e22; }
.life .btn-primary:hover { background: #e7c274; }

/* ===== Self-Employed / Business Owners ===== */
.biz { padding-block: clamp(2.8rem, 7vw, 5rem); background: var(--color-surface); border-block: 1px solid var(--color-divider); }
.biz-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; margin-top: 2rem; }
@media (max-width: 900px) { .biz-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .biz-grid { grid-template-columns: 1fr; } }
.biz-card { background: var(--color-surface-2); border: 1px solid var(--color-divider); border-radius: var(--radius-md); padding: 1.6rem; transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition); }
.biz-card:hover { transform: translateY(-3px); box-shadow: 0 14px 30px -12px var(--color-shadow); border-color: var(--color-primary); }
.biz-icon { display: inline-flex; align-items: center; justify-content: center; width: 2.8rem; height: 2.8rem; border-radius: var(--radius-md); background: var(--color-primary-highlight); color: var(--color-primary); margin-bottom: 1rem; }
.biz-card h3 { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.01em; margin-bottom: 0.5rem; }
.biz-card p { font-size: 0.9rem; color: var(--color-text-muted); line-height: 1.5; }
.biz-cta { text-align: center; margin-top: 2.2rem; }

/* ===== Why MedaHealth ===== */
.why { padding-block: clamp(2.8rem, 7vw, 5rem); background: var(--color-surface); border-block: 1px solid var(--color-divider); }
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
@media (max-width: 900px) { .pillars { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .pillars { grid-template-columns: 1fr; } }
.pillar { text-align: left; }
.pillar-icon { display: inline-flex; align-items: center; justify-content: center; width: 3rem; height: 3rem; border-radius: var(--radius-full); background: var(--color-primary); color: #fff; margin-bottom: 0.9rem; }
.pillar h3 { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; text-transform: uppercase; margin-bottom: 0.4rem; }
.pillar p { font-size: 0.9rem; color: var(--color-text-muted); }

.testimonials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; margin-top: 1.6rem; }
@media (max-width: 1024px) { .testimonials { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 720px) { .testimonials { grid-template-columns: 1fr; } }
.reviews-badge { display: inline-flex; align-items: center; gap: 0.5rem; margin-top: 2.4rem; padding: 0.5rem 1rem; background: var(--color-primary-highlight); border: 1px solid var(--color-border); border-radius: var(--radius-full); }
.reviews-badge .reviews-stars { color: #f5a623; font-size: 1.05rem; letter-spacing: 0.1em; line-height: 1; }
.reviews-badge strong { font-family: var(--font-display); font-size: 1.1rem; color: var(--color-primary); }
.reviews-badge .reviews-count { font-size: 0.8rem; color: var(--color-text-muted); font-weight: 600; }
.testimonial { position: relative; display: flex; flex-direction: column; background: var(--color-surface-2); border: 1px solid var(--color-border); border-left: 3px solid var(--color-primary); border-radius: var(--radius-lg); padding: 1.4rem 1.4rem 1.2rem; transition: transform .15s ease, box-shadow .15s ease; }
.testimonial:hover { transform: translateY(-2px); box-shadow: 0 10px 24px -14px rgba(15,76,117,0.35); }
.testimonial::before { content: '“'; position: absolute; top: 0.3rem; right: 1rem; font-family: var(--font-display); font-size: 2.6rem; line-height: 1; color: var(--color-sky); opacity: 0.55; }
.testimonial-top { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; margin-bottom: 0.6rem; }
.testimonial .stars { color: #f5a623; font-size: 0.9rem; letter-spacing: 0.12em; }
.google-pill { display: inline-flex; align-items: center; gap: 0.3rem; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-text-muted); }
.testimonial .review-text { font-size: 0.9rem; line-height: 1.55; color: var(--color-text); margin-bottom: 1rem; flex: 1; }
.review-footer { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; border-top: 1px solid var(--color-divider); padding-top: 0.7rem; flex-wrap: wrap; }
.reviewer-block { display: flex; align-items: center; gap: 0.6rem; }
.reviewer-avatar { position: relative; width: 40px; height: 40px; flex: 0 0 40px; border-radius: 50%; overflow: hidden; background: #134e7e; border: 2px solid var(--color-gold); display: inline-flex; align-items: center; justify-content: center; }
.reviewer-photo { width: 40px; height: 40px; object-fit: cover; border-radius: 50%; display: block; }
.reviewer-initials { display: none; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; color: #ffffff; font-weight: 700; font-size: 0.8rem; font-family: var(--font-display); }
.testimonial .reviewer { font-weight: 700; font-size: 0.86rem; color: var(--color-primary); }
.service-pill { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: #b54a1f; background: rgba(255,106,61,0.12); border: 1px solid rgba(255,106,61,0.3); padding: 0.25rem 0.6rem; border-radius: var(--radius-full); white-space: nowrap; }

/* Phone number validation states (shared by quiz + quote form) */
input.phone-valid { border-color: #2f8f5b !important; }
input.phone-invalid { border-color: #d4453b !important; }
.phone-status { display: block; font-size: 0.72rem; font-weight: 600; margin-top: 0.3rem; min-height: 0.9rem; line-height: 1.3; }
.phone-status.is-valid { color: #2f8f5b; }
.phone-status.is-invalid { color: #d4453b; }

/* ===== Meet Your Advisor ===== */
.advisor { padding-block: clamp(2.8rem, 7vw, 5rem); background: var(--color-surface); border-block: 1px solid var(--color-divider); }
.advisor-inner { display: grid; grid-template-columns: 0.85fr 1fr; gap: clamp(1.6rem, 4vw, 3.5rem); align-items: center; }
@media (max-width: 860px) { .advisor-inner { grid-template-columns: 1fr; } }
.advisor-photo { position: relative; max-width: 320px; margin: 0 auto; }
.advisor-photo img { width: 100%; height: auto; aspect-ratio: 2/3; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 4px solid var(--color-surface); }
.advisor-badge { position: absolute; left: 1rem; bottom: 1rem; display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.5rem 0.9rem; border-radius: 9999px; background: var(--color-primary); color: #fff; font-size: 0.74rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; box-shadow: var(--shadow-md); }
.advisor-body .eyebrow { margin-bottom: 0.6rem; }
.advisor-name { font-size: clamp(2rem, 1.4rem + 2.4vw, 3rem); margin-bottom: 0.3rem; }
.advisor-title { font-family: var(--font-display); font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.9rem; color: var(--color-primary); margin-bottom: 1.1rem; }
.advisor-bio { font-size: 1rem; line-height: 1.65; color: var(--color-text-muted); margin-bottom: 1rem; max-width: 56ch; }
.advisor-creds { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem 1.4rem; margin: 1.3rem 0 1.6rem; padding: 1.2rem 1.4rem; background: var(--color-primary-highlight); border-radius: var(--radius-md); }
@media (max-width: 480px) { .advisor-creds { grid-template-columns: 1fr; } }
.advisor-creds li { font-size: 0.9rem; color: var(--color-text); }
.advisor-creds strong { color: var(--color-primary); font-weight: 700; }
.advisor-creds a { color: var(--color-primary-active); text-decoration: underline; text-underline-offset: 2px; }

/* ===== FAQ ===== */
.faq { padding-block: clamp(2.8rem, 7vw, 5rem); }
.faq-inner { max-width: 760px; }
.faq-list { margin-top: 1.5rem; display: grid; gap: 0.6rem; }
.faq-item { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.faq-item summary { list-style: none; cursor: pointer; padding: 1rem 1.2rem; font-weight: 700; font-size: 1rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; font-size: 1.4rem; font-weight: 400; color: var(--color-primary); transition: transform var(--transition); }
.faq-item[open] summary::after { content: '−'; }
.faq-item p { padding: 0 1.2rem 1.1rem; color: var(--color-text-muted); font-size: 0.95rem; }

/* ===== Legal section ===== */
.legal { padding-block: clamp(2.5rem, 6vw, 4rem); background: var(--color-surface); border-top: 1px solid var(--color-divider); }
.legal-inner { max-width: 920px; }
.legal .section-title { font-size: clamp(1.4rem, 1.1rem + 1.2vw, 2rem); margin-bottom: 1.4rem; }
.legal-cols { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 4vw, 3rem); }
@media (max-width: 680px) { .legal-cols { grid-template-columns: 1fr; } }
.legal-cols h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.6rem; }
.legal-cols p { font-size: 0.85rem; color: var(--color-text-muted); line-height: 1.6; margin-bottom: 0.8rem; }
.legal-updated { font-size: 0.75rem !important; color: var(--color-text-faint) !important; }

/* ===== Final CTA ===== */
.final-cta { background: linear-gradient(135deg, var(--color-primary-active), var(--color-primary) 55%, var(--color-accent)); color: #fff; text-align: center; padding-block: clamp(2.8rem, 6vw, 4.5rem); }
.final-title { font-family: var(--font-display); font-size: clamp(1.5rem, 1.1rem + 2vw, 2.2rem); font-weight: 700; letter-spacing: 0; text-transform: uppercase; }
.final-sub { margin-top: 0.6rem; opacity: 0.95; }
.final-cta .btn { margin-top: 1.4rem; }

/* ===== Footer ===== */
.footer { background: var(--color-surface); border-top: 1px solid var(--color-divider); padding-top: clamp(2.5rem, 5vw, 3.5rem); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 2rem; padding-bottom: 2.5rem; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; } }
@media (max-width: 440px) { .footer-grid { grid-template-columns: 1fr; } }
.brand-footer { margin-bottom: 0.9rem; }
.footer-about { font-size: 0.85rem; color: var(--color-text-muted); max-width: 38ch; }
.footer-phone { margin-top: 0.8rem; font-weight: 700; }
.footer-phone a { color: var(--color-text); text-decoration: none; font-size: 1.1rem; }
.footer-col h4 { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-text-faint); margin-bottom: 0.8rem; }
.footer-col a { display: block; color: var(--color-text-muted); text-decoration: none; font-size: 0.9rem; padding: 0.25rem 0; }
.footer-col a:hover { color: var(--color-primary); }
.footer-bottom { border-top: 1px solid var(--color-divider); padding-block: 1.5rem; display: grid; gap: 0.8rem; }
.footer-bottom p { font-size: 0.78rem; color: var(--color-text-faint); }
.disclaimer { line-height: 1.55; }

/* ===== Outline button (Call Now / Book Appointment) ===== */
.btn-outline { background: #fff; color: var(--color-primary); border-color: var(--color-primary); }
.btn-outline:hover { background: var(--color-primary-highlight); color: var(--color-primary-active); border-color: var(--color-primary); transform: translateY(-1px); }
.btn-outline:active { transform: translateY(0); }
[data-theme='dark'] .btn-outline { background: transparent; color: var(--color-primary-active); border-color: var(--color-primary-active); }
[data-theme='dark'] .btn-outline:hover { background: var(--color-primary-highlight); color: #fff; }

/* ===== Advisor action buttons ===== */
.advisor-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.4rem; }
.advisor-actions .btn { flex: 1 1 200px; }
.advisor-quote-link { display: inline-block; margin-top: 0.9rem; color: var(--color-text-muted); font-size: 0.9rem; text-decoration: none; font-weight: 600; }
.advisor-quote-link:hover { color: var(--color-primary); }

/* ===== Book a Consultation section ===== */
.booking { background: var(--color-surface-2); border-block: 1px solid var(--color-divider); text-align: center; padding-block: clamp(2.8rem, 6vw, 4.5rem); }
.booking-inner { max-width: 760px; }
.booking .eyebrow { margin-bottom: 0.8rem; }
.booking .section-title { font-size: clamp(1.5rem, 1.1rem + 2vw, 2.2rem); }
.booking-sub { margin-top: 0.8rem; color: var(--color-text-muted); max-width: 56ch; margin-left: auto; margin-right: auto; }
.booking-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.85rem; margin-top: 1.8rem; }
.booking-actions .btn { flex: 1 1 220px; max-width: 280px; }
.booking-fine { margin-top: 1.4rem; font-size: 0.88rem; color: var(--color-text-faint); }
.booking-fine a { color: var(--color-primary); font-weight: 700; text-decoration: none; }
.booking-fine a:hover { text-decoration: underline; }
.disclaimer em { font-style: italic; color: var(--color-warning); }