/* ==========================================================================
   Capozza Insures - capozzainsures.com
   Single-page life insurance landing page
   Palette: deep navy / warm orange / white / warm light neutral
   ========================================================================== */

:root {
  --navy-900: #0A1E33;
  --navy-800: #0F2A47;
  --navy-700: #17395E;
  --navy-600: #23517C;
  --navy-100: #D8E3EE;

  --orange:      #D9631A;
  --orange-lift: #E8722A;
  --orange-dark: #B24E12;
  --orange-tint: #FDF1E6;

  --paper: #FFFFFF;
  --cream: #F8F5F0;
  --cream-deep: #F1EBE2;
  --line: #E3DCD1;
  --line-soft: #EDE7DE;

  --ink: #1C2A38;
  --ink-soft: #536477;
  --ink-faint: #7A8896;

  --wrap: 1160px;
  --radius: 14px;
  --radius-sm: 10px;
  --header-h: 74px;

  --shadow-card: 0 1px 2px rgba(12, 32, 54, .05), 0 8px 24px -12px rgba(12, 32, 54, .16);
  --shadow-lift: 0 2px 4px rgba(12, 32, 54, .06), 0 18px 40px -18px rgba(12, 32, 54, .28);

  --font-sans: "Libre Franklin", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-serif: "Newsreader", Georgia, "Times New Roman", serif;
}

/* --------------------------------------------------------------- reset -- */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

h1, h2, h3 {
  margin: 0 0 .5em;
  line-height: 1.14;
  letter-spacing: -.019em;
  font-weight: 800;
  color: var(--navy-900);
}
h1 { font-size: clamp(2.05rem, 4.9vw, 3.35rem); line-height: 1.07; letter-spacing: -.026em; }
h2 { font-size: clamp(1.65rem, 3.3vw, 2.35rem); }
h3 { font-size: 1.16rem; font-weight: 700; letter-spacing: -.012em; }
p  { margin: 0 0 1.05em; }

a { color: var(--navy-600); }
a:hover { color: var(--orange-dark); }

:focus-visible {
  outline: 3px solid var(--orange);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy-800); color: #fff;
  padding: 12px 20px; border-radius: 0 0 8px 0; font-weight: 600;
}
.skip-link:focus { left: 0; color: #fff; }

/* -------------------------------------------------------------- layout -- */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: 22px;
}
.wrap-narrow { max-width: 800px; }
.center { text-align: center; }

.section { padding: clamp(58px, 8vw, 100px) 0; }
.section-alt { background: var(--cream); border-block: 1px solid var(--line-soft); }

/* every anchor target clears the sticky header */
section[id], article[id] { scroll-margin-top: calc(var(--header-h) + 14px); }

.eyebrow {
  font-size: .765rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--orange);
  margin: 0 0 .85em;
}

.section-head { max-width: 690px; margin-bottom: clamp(34px, 4.5vw, 54px); }
.section-head h2 { margin-bottom: .38em; }
.section-lede { color: var(--ink-soft); font-size: 1.075rem; margin: 0; }
.section-head-light h2, .section-head-light .section-lede { color: #fff; }
.section-head-light .section-lede { color: var(--navy-100); }
.section-head-light .eyebrow { color: var(--orange-lift); }

.hair { border: 0; border-top: 1px solid var(--line); margin: 20px 0; }

/* -------------------------------------------------------------- buttons -- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5em;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -.005em;
  text-decoration: none;
  padding: 14px 26px;
  min-height: 50px;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background-color .16s ease, transform .12s ease, box-shadow .16s ease, color .16s ease;
}
.btn-primary {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 1px 2px rgba(120, 52, 8, .22), 0 10px 22px -12px rgba(120, 52, 8, .55);
}
.btn-primary:hover { background: var(--orange-dark); color: #fff; transform: translateY(-1px); }
.btn-primary:active { transform: translateY(0); }

.btn-ghost {
  background: transparent;
  color: var(--navy-800);
  border-color: #C6CFD9;
}
.btn-ghost:hover { background: var(--paper); border-color: var(--navy-700); color: var(--navy-800); }

.btn-sm  { padding: 10px 18px; min-height: 42px; font-size: .93rem; }
.btn-lg  { padding: 17px 32px; min-height: 58px; font-size: 1.075rem; }
.btn-block { display: flex; width: 100%; }

/* --------------------------------------------------------------- header -- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(150%) blur(10px);
  border-bottom: 1px solid var(--line-soft);
}
.site-header.is-scrolled { box-shadow: 0 6px 20px -14px rgba(12, 32, 54, .45); }

.header-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  min-height: var(--header-h);
}

.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; margin-right: auto; }
.brand-mark {
  width: 38px; height: 38px;
  flex: none;
  display: grid; place-items: center;
  background: var(--navy-800);
  color: #fff;
  font-weight: 800;
  font-size: 1.28rem;
  border-radius: 9px;
  border-bottom: 3px solid var(--orange);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-weight: 800; font-size: 1.09rem; color: var(--navy-900); letter-spacing: -.02em; }
.brand-sub  { font-size: .705rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-faint); font-weight: 600; }

.site-nav { display: flex; gap: 26px; }
.site-nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: .945rem;
  font-weight: 600;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.site-nav a:hover { color: var(--navy-900); border-bottom-color: var(--orange); }

.header-actions { display: flex; align-items: center; gap: 14px; }
.header-phone {
  display: inline-flex; align-items: center; gap: 7px;
  color: var(--navy-800); text-decoration: none;
  font-weight: 700; font-size: .95rem;
  white-space: nowrap;
}
.header-phone svg { width: 17px; height: 17px; fill: var(--orange); }
.header-phone:hover { color: var(--orange-dark); }

.nav-toggle {
  display: none;
  width: 46px; height: 44px;
  border: 1.5px solid var(--line);
  background: var(--paper);
  border-radius: 9px;
  padding: 0;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 20px; height: 2px;
  margin: 4px auto;
  background: var(--navy-800);
  border-radius: 2px;
  transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ----------------------------------------------------------------- hero -- */
.hero {
  background:
    radial-gradient(920px 460px at 88% -12%, rgba(217, 99, 26, .07), transparent 62%),
    linear-gradient(180deg, var(--cream) 0%, var(--cream) 62%, var(--paper) 100%);
  border-bottom: 1px solid var(--line-soft);
  padding: clamp(38px, 5.2vw, 68px) 0 clamp(52px, 6vw, 78px);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr);
  grid-template-areas:
    "copy starter"
    "foot starter";
  grid-template-rows: auto 1fr;
  column-gap: clamp(30px, 4.5vw, 58px);
  row-gap: 26px;
  align-items: start;
}
.hero-copy   { grid-area: copy; max-width: 640px; }
.starter     { grid-area: starter; }
.hero-foot   { grid-area: foot; max-width: 560px; }

.hero h1 { margin-bottom: .42em; }
.hl { position: relative; display: inline-block; white-space: nowrap; }
.swash {
  position: absolute;
  left: 0; right: -2px;
  bottom: -.14em;
  width: 100%; height: .26em;
  overflow: visible;
  pointer-events: none;
}
.swash path {
  fill: none;
  stroke: var(--orange);
  stroke-width: 6;
  stroke-linecap: round;
  opacity: .82;
  vector-effect: non-scaling-stroke;
}

.hero-types {
  font-size: .945rem;
  font-weight: 700;
  color: var(--navy-700);
  letter-spacing: .005em;
  margin-bottom: 1em;
}
.hero-types i { color: var(--orange); font-style: normal; padding: 0 5px; }

.hero-lede { font-size: 1.145rem; color: var(--ink-soft); max-width: 33em; }

.hero-trust {
  font-size: 1.02rem;
  color: var(--navy-800);
  border-left: 3px solid var(--orange);
  padding-left: 15px;
  margin-bottom: 0;
}
.hero-trust strong { font-weight: 800; }

.agent-line {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  max-width: 480px;
}
.agent-avatar {
  width: 58px; height: 58px;
  flex: none;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--paper);
  box-shadow: 0 0 0 2px var(--orange);
}
.agent-line p { margin: 0; font-size: .93rem; line-height: 1.42; color: var(--ink-soft); }
.agent-line strong { display: block; color: var(--navy-900); font-size: 1rem; font-weight: 700; }

/* short proof list under the agent line */
.hero-proof {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
  display: grid;
  gap: 9px;
  max-width: 480px;
}
.hero-proof li {
  position: relative;
  padding-left: 26px;
  font-size: .925rem;
  color: var(--ink-soft);
  line-height: 1.5;
}
.hero-proof li::before {
  content: "";
  position: absolute;
  left: 1px; top: 9px;
  width: 13px; height: 7px;
  border-left: 2.5px solid var(--orange);
  border-bottom: 2.5px solid var(--orange);
  transform: rotate(-45deg);
}

/* ------------------------------------------------- hero coverage picker -- */
.starter {
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 4px solid var(--orange);
  border-radius: var(--radius);
  padding: 24px 22px 20px;
  box-shadow: var(--shadow-lift);
}
.starter-step {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: .775rem;
  font-weight: 600;
  color: var(--ink-faint);
  margin: 0 0 .9em;
  letter-spacing: .01em;
}
.starter-step span {
  background: var(--navy-800);
  color: #fff;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  font-size: .68rem;
  padding: 4px 9px;
  border-radius: 20px;
}
.starter-head {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy-900);
  margin-bottom: .3em;
  letter-spacing: -.018em;
}
.starter-sub { font-size: .93rem; color: var(--ink-soft); margin-bottom: 1.2em; }

.starter-options { display: grid; gap: 9px; }

.starter-opt {
  display: flex;
  align-items: center;
  gap: 13px;
  width: 100%;
  text-align: left;
  font-family: inherit;
  background: var(--paper);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  min-height: 62px;
  cursor: pointer;
  transition: border-color .15s ease, background-color .15s ease, transform .12s ease;
}
.starter-opt:hover {
  border-color: var(--orange);
  background: var(--orange-tint);
  transform: translateY(-1px);
}
.starter-opt.is-chosen {
  border-color: var(--orange);
  background: var(--orange-tint);
  box-shadow: 0 0 0 3px rgba(217, 99, 26, .14);
}

.so-icon {
  flex: none;
  width: 38px; height: 38px;
  display: grid; place-items: center;
  background: var(--orange-tint);
  border-radius: 10px;
}
.starter-opt:hover .so-icon,
.starter-opt.is-chosen .so-icon { background: var(--paper); }
.so-icon svg {
  width: 21px; height: 21px;
  fill: none;
  stroke: var(--orange-dark);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.so-text { display: flex; flex-direction: column; line-height: 1.3; flex: 1 1 auto; min-width: 0; }
.so-text strong { font-size: .995rem; font-weight: 700; color: var(--navy-900); letter-spacing: -.012em; }
.so-text em { font-style: normal; font-size: .8rem; color: var(--ink-faint); margin-top: 2px; }

.so-go {
  flex: none;
  color: var(--orange);
  font-size: 1.1rem;
  font-weight: 700;
  transition: transform .15s ease;
}
.starter-opt:hover .so-go { transform: translateX(3px); }

.starter-opt-quiet { min-height: 54px; background: var(--cream); border-style: dashed; }
.starter-opt-quiet .so-text strong { font-weight: 600; }

.fineprint { font-size: .78rem; color: var(--ink-faint); margin: 12px 0 0; text-align: center; line-height: 1.5; }
.fineprint-light { color: var(--navy-100); opacity: .9; }

/* ---------------------------------------------------------------- cards -- */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(258px, 1fr));
  gap: 22px;
}
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease;
}
.card:hover {
  border-color: #D3C7B6;
  box-shadow: var(--shadow-card);
  transform: translateY(-2px);
}
.card:target { border-color: var(--orange); box-shadow: 0 0 0 3px var(--orange-tint); }

.card-icon {
  width: 50px; height: 50px;
  display: grid; place-items: center;
  background: var(--orange-tint);
  border-radius: 12px;
  margin-bottom: 18px;
}
.card-icon svg {
  width: 28px; height: 28px;
  stroke: var(--orange-dark);
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
  fill: none;
}
.card h3 { margin-bottom: .5em; }
.card p { color: var(--ink-soft); font-size: .955rem; margin-bottom: 1.3em; }

.card-link {
  margin-top: auto;
  font-weight: 700;
  font-size: .93rem;
  color: var(--orange-dark);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.card-link span { transition: transform .16s ease; display: inline-block; }
.card-link:hover { color: var(--navy-800); }
.card-link:hover span { transform: translateX(4px); }

.cards-note {
  margin: 28px 0 0;
  font-size: .985rem;
  color: var(--ink-soft);
  text-align: center;
}

/* ---------------------------------------------------------------- about -- */
.about-grid {
  display: grid;
  grid-template-columns: minmax(0, .78fr) minmax(0, 1.22fr);
  gap: clamp(30px, 5vw, 62px);
  align-items: start;
}
.about-photo {
  position: sticky;
  top: calc(var(--header-h) + 28px);
  isolation: isolate;
}
.about-photo img {
  position: relative;
  z-index: 1;
  width: 100%;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
/* offset outline behind the photo - a small hand-placed detail */
.about-photo::before {
  content: "";
  position: absolute;
  inset: 16px -16px -16px 16px;
  border: 2px solid var(--orange);
  border-radius: var(--radius);
  z-index: 0;
}
.photo-tag {
  background: var(--navy-800);
  color: #fff;
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  margin: -30px 16px 0;
  position: relative;
  z-index: 2;
  box-shadow: var(--shadow-lift);
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.photo-tag strong { font-size: 1.02rem; font-weight: 800; }
.photo-tag span { font-size: .82rem; color: var(--navy-100); }
.photo-tag .license { color: #93AAC2; font-size: .76rem; margin-top: 3px; }

.about-copy p { color: var(--ink-soft); }
.about-copy > p:first-of-type { font-size: 1.06rem; }

.reasons { list-style: none; margin: 1.6em 0; padding: 0; display: grid; gap: 2px; }
.reasons li {
  position: relative;
  padding: 8px 0 8px 30px;
  font-size: .98rem;
  font-weight: 600;
  color: var(--navy-900);
  border-bottom: 1px solid var(--line-soft);
}
.reasons li:last-child { border-bottom: 0; }
.reasons li::before {
  content: "";
  position: absolute;
  left: 2px; top: 15px;
  width: 15px; height: 8px;
  border-left: 2.5px solid var(--orange);
  border-bottom: 2.5px solid var(--orange);
  transform: rotate(-45deg);
}

.note {
  margin: 0 0 1.8em;
  padding: 20px 22px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}
.note p {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.14rem;
  line-height: 1.52;
  color: var(--navy-900);
  margin: 0 0 .5em;
}
.note cite { font-style: normal; font-size: .87rem; font-weight: 700; color: var(--ink-faint); }

/* ---------------------------------------------------------------- steps -- */
.steps {
  list-style: none;
  counter-reset: step;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 30px 26px;
}
.steps li { position: relative; padding-top: 8px; }
.steps li::after {
  content: "";
  position: absolute;
  top: 27px; left: 52px; right: -20px;
  border-top: 2px dashed var(--line);
  z-index: 0;
}
.steps li:last-child::after { display: none; }

.step-num {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy-800);
  color: #fff;
  font-weight: 800;
  font-size: 1.05rem;
  margin-bottom: 16px;
  box-shadow: 0 0 0 5px var(--paper);
}
.section-alt .step-num { box-shadow: 0 0 0 5px var(--cream); }
.steps h3 { margin-bottom: .4em; }
.steps p { color: var(--ink-soft); font-size: .955rem; margin: 0; }

.steps-note {
  margin: 40px auto 0;
  text-align: center;
  font-weight: 700;
  color: var(--navy-800);
  font-size: 1.08rem;
}

/* ---------------------------------------------------------------- quote -- */
.section-quote {
  background:
    radial-gradient(760px 380px at 12% 0%, rgba(217, 99, 26, .16), transparent 60%),
    var(--navy-800);
  color: #fff;
}
.section-quote .section-head { margin-inline: auto; text-align: center; }

.form-shell {
  background: var(--paper);
  border-radius: 18px;
  padding: 22px 20px 18px;
  box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .55);
  max-width: 860px;
  margin-inline: auto;
}

/* three short reassurances above the form */
.form-assurances {
  list-style: none;
  margin: 0 0 20px;
  padding: 0 0 16px;
  border-bottom: 1px solid var(--line-soft);
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 26px;
}
.form-assurances li {
  position: relative;
  padding-left: 24px;
  font-size: .89rem;
  font-weight: 600;
  color: var(--navy-800);
}
.form-assurances li::before {
  content: "";
  position: absolute;
  left: 2px; top: 8px;
  width: 13px; height: 7px;
  border-left: 2.5px solid var(--orange);
  border-bottom: 2.5px solid var(--orange);
  transform: rotate(-45deg);
}

.form-legal {
  margin: 18px 0 0;
  font-size: .8rem;
  color: var(--ink-faint);
  text-align: center;
  line-height: 1.55;
}

/* ============================== QUOTE FORM =============================== */

.qf-progress { margin-bottom: 22px; }
.qf-bar {
  height: 5px;
  background: var(--line-soft);
  border-radius: 4px;
  overflow: hidden;
}
.qf-bar span {
  display: block;
  height: 100%;
  width: 25%;
  background: var(--orange);
  border-radius: 4px;
  transition: width .3s ease;
}
.qf-dots {
  list-style: none;
  display: flex;
  margin: 10px 0 0;
  padding: 0;
  gap: 4px;
}
.qf-dots li {
  flex: 1 1 0;
  font-size: .74rem;
  font-weight: 600;
  color: var(--ink-faint);
  text-align: center;
  line-height: 1.3;
}
.qf-dots li.is-active { color: var(--orange-dark); }
.qf-dots li.is-done   { color: var(--navy-700); }

.qf-live {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.qf-step { border: 0; margin: 0; padding: 0; min-width: 0; }
.qf-step[hidden] { display: none; }

.qf-legend {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy-900);
  letter-spacing: -.018em;
  padding: 0;
  margin-bottom: .5em;
}
.qf-note {
  font-size: .9rem;
  color: var(--ink-soft);
  margin: -.2em 0 1.3em;
}

.qf-field { margin-bottom: 20px; min-width: 0; }
.qf-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 0 18px;
}

.qf-label {
  display: block;
  font-size: .92rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 7px;
}
.qf-label b { color: var(--orange-dark); font-weight: 700; }
.qf-opt {
  font-weight: 500;
  font-size: .8rem;
  color: var(--ink-faint);
  margin-left: 4px;
}
.qf-opt.is-required { color: var(--orange-dark); font-weight: 700; }

.qf-help { font-size: .8rem; color: var(--ink-faint); margin: 6px 0 0; }

.qf input[type="text"],
.qf input[type="email"],
.qf input[type="tel"],
.qf input[type="number"],
.qf select,
.qf textarea {
  width: 100%;
  font-family: inherit;
  font-size: 16px;               /* 16px stops iOS zooming on focus */
  color: var(--ink);
  background: var(--paper);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 13px 14px;
  min-height: 50px;
  appearance: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.qf textarea { min-height: 92px; resize: vertical; line-height: 1.55; }

.qf select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 12 8%27%3E%3Cpath d=%27M1 1.5 6 6.5l5-5%27 fill=%27none%27 stroke=%27%23536477%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 12px;
  padding-right: 38px;
}

.qf input:focus,
.qf select:focus,
.qf textarea:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(217, 99, 26, .16);
}

.qf input::placeholder,
.qf textarea::placeholder { color: #9BA7B2; }

/* remove the number spinner - it is useless for an age box */
.qf input[type="number"] { -moz-appearance: textfield; }
.qf input[type="number"]::-webkit-outer-spin-button,
.qf input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

/* ---- big tappable choice cards (coverage type) ---- */
.qf-choices { display: grid; gap: 9px; }
.qf-choices-2 { grid-template-columns: repeat(auto-fit, minmax(215px, 1fr)); }
.qf-choices .qf-label { grid-column: 1 / -1; margin-bottom: 0; }

.qf-choice {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 62px;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--paper);
  cursor: pointer;
  transition: border-color .15s ease, background-color .15s ease;
}
.qf-choice-wide { grid-column: 1 / -1; min-height: 54px; background: var(--cream); border-style: dashed; }
.qf-choice:hover { border-color: var(--orange); background: var(--orange-tint); }
.qf-choice.is-selected {
  border-color: var(--orange);
  background: var(--orange-tint);
  box-shadow: 0 0 0 3px rgba(217, 99, 26, .13);
}
.qf-choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.qf-choice span {
  display: flex;
  flex-direction: column;
  font-size: .97rem;
  font-weight: 700;
  color: var(--navy-900);
  line-height: 1.3;
  padding-left: 30px;
}
.qf-choice span em {
  font-style: normal;
  font-size: .79rem;
  font-weight: 500;
  color: var(--ink-faint);
  margin-top: 2px;
}
/* Square box with a tick: these are checkboxes, so they must not read as
   radios - people need to see they can pick more than one. */
.qf-choice span::before {
  content: "";
  position: absolute;
  left: 14px; top: 50%;
  transform: translateY(-50%);
  width: 20px; height: 20px;
  border: 2px solid #C9BEAD;
  border-radius: 5px;
  background: var(--paper);
}
.qf-choice.is-selected span::before {
  border-color: var(--orange);
  background: var(--orange);
}
.qf-choice span::after {
  content: "";
  position: absolute;
  left: 20px; top: 50%;
  width: 6px; height: 11px;
  border: solid #fff;
  border-width: 0 2.5px 2.5px 0;
  transform: translateY(-64%) rotate(42deg);
  opacity: 0;
  transition: opacity .12s ease;
}
.qf-choice.is-selected span::after { opacity: 1; }
.qf-choice input:focus-visible + span::before {
  outline: 3px solid var(--orange);
  outline-offset: 2px;
}

/* ---- small pill radios (gender, tobacco, contact preference) ---- */
.qf-pills { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.qf-pills-3 { grid-template-columns: repeat(3, 1fr); }
/* one option per row, for answers whose text is too long to sit side by side */
.qf-pills-stack { grid-template-columns: 1fr; }
.qf-pills-stack .qf-pill { justify-content: flex-start; text-align: left; padding-inline: 16px; }

.qf-pill {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 10px 12px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--paper);
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy-900);
  cursor: pointer;
  text-align: center;
  transition: border-color .15s ease, background-color .15s ease;
}
.qf-pill:hover { border-color: var(--orange); background: var(--orange-tint); }
.qf-pill.is-selected {
  border-color: var(--orange);
  background: var(--orange-tint);
  box-shadow: 0 0 0 3px rgba(217, 99, 26, .13);
}
.qf-pill input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.qf-pill input:focus-visible + span { outline: 3px solid var(--orange); outline-offset: 6px; border-radius: 3px; }

/* ---- dollar-prefixed input (specific coverage amount) ---- */
.qf-prefixed { position: relative; }
.qf-prefixed > span {
  position: absolute;
  left: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--ink-faint);
  font-size: 16px;
  font-weight: 600;
  pointer-events: none;
}
.qf-prefixed input { padding-left: 30px; }

/* ---- consent statement above the submit button ---- */
.qf-consent {
  margin: 4px 0 0;
  padding: 14px 16px;
  background: var(--cream);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-sm);
  font-size: .82rem;
  line-height: 1.6;
  color: var(--ink-soft);
}

/* ---- errors ---- */
.qf-error { margin: 6px 0 0; font-size: .84rem; font-weight: 600; color: #B3261E; }
.qf-error:empty { display: none; }
.qf-field.has-error input,
.qf-field.has-error select,
.qf-field.has-error textarea { border-color: #B3261E; }
.qf-field.has-error .qf-choice:not(.is-selected),
.qf-field.has-error .qf-pill:not(.is-selected) { border-color: #E0A9A4; }

.qf-fail {
  margin: 0 0 18px;
  padding: 15px 17px;
  background: #FCEEEC;
  border: 1px solid #E7BCB7;
  border-left: 4px solid #B3261E;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: .93rem;
  color: var(--ink);
  line-height: 1.55;
}
.qf-fail strong { color: #8C1D18; }
.qf-fail a { color: var(--orange-dark); font-weight: 700; }

/* ---- navigation buttons ---- */
.qf-nav { display: flex; gap: 10px; margin-top: 26px; }
.qf-nav .btn-ghost { flex: 0 0 auto; }
.qf-nav .btn-primary { flex: 1 1 auto; }
.qf-nav .btn-block { flex: 1 1 100%; }

.qf-submit-note {
  margin: 14px 0 0;
  font-size: .8rem;
  color: var(--ink-faint);
  text-align: center;
}

/* honeypot - visually gone, still reachable by bots */
.qf-hp {
  position: absolute !important;
  left: -9999px !important;
  width: 1px; height: 1px;
  overflow: hidden;
}

/* ------------------------------------------------------------------ faq -- */
.faq { border-top: 1px solid var(--line); }
.faq details {
  border-bottom: 1px solid var(--line);
  background: transparent;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 19px 44px 19px 2px;
  position: relative;
  font-weight: 700;
  font-size: 1.045rem;
  color: var(--navy-900);
  letter-spacing: -.012em;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--orange-dark); }
.faq summary::after {
  content: "";
  position: absolute;
  right: 8px; top: 27px;
  width: 11px; height: 11px;
  border-right: 2.5px solid var(--orange);
  border-bottom: 2.5px solid var(--orange);
  transform: rotate(45deg);
  transition: transform .2s ease;
}
.faq details[open] summary::after { transform: rotate(-135deg); top: 30px; }
.faq-body { padding: 0 44px 20px 2px; color: var(--ink-soft); }
.faq-body p:last-child { margin-bottom: 0; }
.faq-body ul { margin: 0; padding-left: 20px; }
.faq-body li { margin-bottom: .5em; }
.faq-body strong { color: var(--navy-900); }

/* ------------------------------------------------------------ final cta -- */
.final-cta {
  background: var(--navy-900);
  color: #fff;
  padding: clamp(56px, 7vw, 88px) 0;
}
.final-cta h2 { color: #fff; margin-bottom: .45em; }
.final-cta p { color: var(--navy-100); font-size: 1.09rem; margin-bottom: 1.7em; }
.final-cta .fineprint { margin-top: 18px; }

/* --------------------------------------------------------------- footer -- */
.site-footer {
  background: var(--navy-900);
  color: var(--navy-100);
  border-top: 1px solid rgba(255, 255, 255, .09);
  font-size: .93rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 34px;
  padding-top: 54px;
  padding-bottom: 40px;
}
.footer-brand .brand-mark {
  margin-bottom: 14px;
  background: var(--navy-700);
  border: 1px solid rgba(255, 255, 255, .16);
  border-bottom: 3px solid var(--orange);
}
.footer-name { font-weight: 800; color: #fff; font-size: 1.12rem; margin: 0 0 3px; letter-spacing: -.02em; }
.footer-agent { margin: 0 0 4px; color: var(--navy-100); }
.footer-license { margin: 0; color: #8AA3BC; font-size: .84rem; }

.footer-col h3 {
  color: #fff;
  font-size: .75rem;
  letter-spacing: .13em;
  text-transform: uppercase;
  margin-bottom: 14px;
  font-weight: 700;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 9px; }
.footer-col p { margin: 0 0 9px; }
.footer-col address { font-style: normal; color: var(--navy-100); line-height: 1.7; }
.site-footer a { color: var(--navy-100); text-decoration: none; }
.site-footer a:hover { color: var(--orange-lift); text-decoration: underline; text-underline-offset: 3px; }

.compliance {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding-top: 26px;
  padding-bottom: 34px;
}
.compliance p {
  font-size: .785rem;
  line-height: 1.65;
  color: #8FA6BC;
  max-width: 92ch;
  margin: 0 0 .9em;
}
.copyright { color: #7E94AA !important; margin-bottom: 0 !important; }

/* placeholder text still awaiting real business details */
.ph {
  background: rgba(217, 99, 26, .14);
  border-bottom: 1px dashed rgba(217, 99, 26, .6);
  padding: 0 3px;
  border-radius: 2px;
}

/* ---------------------------------------------------------- sticky cta -- */
.sticky-cta {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 70;
  background: rgba(255, 255, 255, .97);
  backdrop-filter: blur(10px);
  border-top: 1px solid var(--line);
  box-shadow: 0 -8px 26px -18px rgba(12, 32, 54, .6);
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  transform: translateY(110%);
  transition: transform .26s ease;
}
.sticky-cta.is-visible { transform: translateY(0); }
.sticky-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  max-width: 640px;
  margin-inline: auto;
}
.sticky-inner p { margin: 0; line-height: 1.28; }
.sticky-inner strong { display: block; font-size: .95rem; color: var(--navy-900); font-weight: 800; }
.sticky-inner span { font-size: .76rem; color: var(--ink-faint); }
.sticky-inner .btn { flex: none; padding: 12px 20px; min-height: 48px; font-size: .96rem; }

/* keep the sticky bar from covering content at the bottom of the page */
body.has-sticky-cta { padding-bottom: 78px; }

/* ------------------------------------------------- legal / policy pages -- */
.doc { padding: clamp(44px, 6vw, 76px) 0 clamp(52px, 7vw, 88px); }
.doc h1 { font-size: clamp(1.85rem, 4vw, 2.7rem); margin-bottom: .3em; }
.doc .updated { color: var(--ink-faint); font-size: .88rem; margin-bottom: 2.4em; }
.doc h2 {
  font-size: 1.28rem;
  margin-top: 2.1em;
  padding-top: 1.1em;
  border-top: 1px solid var(--line-soft);
}
.doc h2:first-of-type { border-top: 0; padding-top: 0; margin-top: 1.6em; }
.doc p, .doc li { color: var(--ink-soft); }
.doc ul { padding-left: 22px; margin-bottom: 1.3em; }
.doc li { margin-bottom: .55em; }
.doc .back {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 700; font-size: .93rem;
  color: var(--orange-dark); text-decoration: none;
  margin-bottom: 2em;
}
.doc .back:hover { color: var(--navy-800); }

/* ------------------------------------------------------ thank-you page -- */
.ty-mark { margin-bottom: 22px; }
.ty-mark svg {
  width: 62px; height: 62px;
  fill: none;
  stroke: var(--orange);
  stroke-width: 2.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.ty-lede { font-size: 1.16rem; color: var(--ink-soft); max-width: 34em; margin-bottom: 2.2em; }

.ty-next {
  background: var(--cream);
  border: 1px solid var(--line);
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 26px 28px 22px;
  margin-bottom: 34px;
}
.ty-next h2 {
  border: 0; padding: 0; margin: 0 0 .8em;
  font-size: 1.16rem;
}
.ty-next ol { margin: 0 0 1.1em; padding-left: 20px; }
.ty-next li { margin-bottom: .7em; color: var(--ink-soft); }
.ty-next strong { color: var(--navy-900); }
.ty-note { margin: 0; font-size: .93rem; color: var(--ink-faint); }

.ty-contact {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 0 24px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin-bottom: 30px;
  flex-wrap: wrap;
}
.ty-contact p { margin: 0 0 2px; color: var(--ink-soft); font-size: .97rem; }
.ty-contact strong { color: var(--navy-900); }
.ty-contact a { font-weight: 700; color: var(--orange-dark); text-decoration: none; }
.ty-contact a:hover { text-decoration: underline; text-underline-offset: 3px; }

/* --------------------------------------------------------- breakpoints -- */
@media (max-width: 1000px) {
  /* Picker moves directly under the headline; the trust block follows it, so
     the picker is never pushed off the first screen on a phone. */
  .hero-grid {
    grid-template-columns: minmax(0, 1fr);
    grid-template-areas: "copy" "starter" "foot";
    grid-template-rows: auto;
    row-gap: 24px;
  }
  .starter { max-width: 560px; }
  .hero-foot { max-width: 560px; }
  .guide-grid { grid-template-columns: minmax(0, 1fr); }
  .about-grid { grid-template-columns: 1fr; }
  /* Stop the photo sticking, but keep it positioned - the offset outline is
     absolutely positioned against it. Also leave room on the right so the
     outline never causes a horizontal scrollbar on narrow screens. */
  .about-photo { max-width: 380px; position: relative; top: auto; margin-right: 14px; }
  .about-photo::before { inset: 12px -12px -12px 12px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 880px) {
  :root { --header-h: 64px; }

  .site-nav {
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 14px 28px -18px rgba(12, 32, 54, .5);
    padding: 6px 22px 14px;
    display: none;
  }
  .site-nav.is-open { display: flex; }
  .site-nav a {
    padding: 13px 0;
    border-bottom: 1px solid var(--line-soft);
    font-size: 1rem;
  }
  .site-nav a:last-child { border-bottom: 0; }
  .nav-toggle { display: block; }
  .header-phone span { display: none; }
  .header-phone {
    width: 44px; height: 44px;
    justify-content: center;
    border: 1.5px solid var(--line);
    border-radius: 9px;
  }
  .header-phone svg { width: 19px; height: 19px; }
  .brand-sub { display: none; }

  .steps li::after { display: none; }
}

@media (max-width: 620px) {
  body { font-size: 16.5px; }
  .wrap { padding-inline: 18px; }

  .hero { padding-top: 26px; }
  .hero-trust { font-size: .98rem; }
  .starter { padding: 20px 16px 16px; }
  .starter-opt { padding: 11px 12px; gap: 11px; }
  .so-text strong { font-size: .95rem; }
  .guide-block { padding: 22px 18px 18px; }
  .guide-cta { padding: 20px 18px; }
  .guide-cta .btn { width: 100%; }

  .header-actions .btn-sm { display: none; }

  .form-shell { padding: 16px 12px 14px; border-radius: 14px; }
  .form-assurances { gap: 6px 18px; }
  .form-assurances li { font-size: .84rem; }

  .footer-grid { grid-template-columns: 1fr; padding-top: 42px; }
  .photo-tag { margin-inline: 12px; }

  /* roomier tap targets on touch screens */
  .card-link { padding: 8px 0; }
  .form-legal a { display: inline-block; padding: 6px 0; }
  .footer-col li { margin-bottom: 0; }
  .footer-col li a,
  .footer-col p a { display: inline-block; padding: 9px 0; }
  .footer-col address { padding-top: 6px; }
  .compliance a { padding: 4px 0; display: inline-block; }

  /* keep the sticky bar from covering page content at the bottom */
  body.has-sticky-cta { padding-bottom: 78px; }
}

@media (max-width: 360px) {
  .sticky-inner span { display: none; }
  .sticky-inner .btn { padding: 12px 16px; font-size: .9rem; }
}

@media print {
  .site-header, .sticky-cta, .starter, .btn { display: none !important; }
}