/* ══════════════════════════════════════════════════════════
   American Beneficiary — Master Stylesheet
   Final Expense Senior Life Insurance
   Rebuilt: Feb 2026
   ══════════════════════════════════════════════════════════ */

/* ─── CSS Variables ─────────────────────────────── */
:root {
    /* Colors */
    --primary:        #0F4035;
    --primary-light:  #1A6B5A;
    --primary-dark:   #0A2E26;
    --dark:           #1B2A2A;
    --dark-lighter:   #243636;
    --accent:         #D4A843;
    --accent-light:   #E8C97A;
    --accent-dark:    #B8912E;
    --white:          #FFFFFF;
    --off-white:      #F7F9F8;
    --light-bg:       #EFF3F2;
    --gray-100:       #F1F5F4;
    --gray-200:       #DCE4E2;
    --gray-300:       #B8C6C2;
    --gray-400:       #8FA09B;
    --gray-500:       #6B7F79;
    --gray-600:       #4A5C57;
    --text:           #2C3E3A;
    --text-light:     #5A6E69;
    --text-muted:     #8FA09B;

    /* Gradients */
    --gradient-hero:  linear-gradient(135deg, #0F4035 0%, #1A6B5A 50%, #1B2A2A 100%);
    --gradient-dark:  linear-gradient(180deg, #1B2A2A 0%, #0F4035 100%);
    --gradient-accent: linear-gradient(135deg, #D4A843 0%, #E8C97A 100%);

    /* Typography */
    --ff-heading:     'Playfair Display', Georgia, serif;
    --ff-body:        'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --fs-hero:        3.25rem;
    --fs-3xl:         2.25rem;
    --fs-2xl:         1.75rem;
    --fs-xl:          1.375rem;
    --fs-lg:          1.125rem;
    --fs-base:        1rem;
    --fs-sm:          0.875rem;
    --fs-xs:          0.75rem;

    /* Spacing */
    --space-xs:       0.375rem;
    --space-sm:       0.75rem;
    --space-md:       1rem;
    --space-lg:       1.5rem;
    --space-xl:       2rem;
    --space-2xl:      3rem;
    --space-3xl:      4rem;
    --space-section:  2.5rem;

    /* Layout */
    --container:      1200px;
    --container-sm:   900px;
    --navbar-height:  76px;
    --radius-sm:      6px;
    --radius-md:      12px;
    --radius-lg:      20px;
    --radius-xl:      28px;
    --shadow-sm:      0 1px 3px rgba(0,0,0,0.08);
    --shadow-md:      0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg:      0 8px 30px rgba(0,0,0,0.12);
    --shadow-xl:      0 16px 50px rgba(0,0,0,0.16);
    --transition:     0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ─── Reset ─────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    font-family: var(--ff-body);
    font-size: var(--fs-base);
    line-height: 1.7;
    color: var(--text);
    background: var(--white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; color: inherit; }
input, textarea, select { font: inherit; color: inherit; }
h1, h2, h3, h4, h5, h6 {
    font-family: var(--ff-heading);
    font-weight: 700;
    line-height: 1.25;
    color: var(--dark);
}

/* ─── Layout ────────────────────────────────────── */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 var(--space-xl);
}
.text-center { text-align: center; }

/* ─── Section Labels & Titles ───────────────────── */
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 0.6em;
    font-family: var(--ff-body);
    font-size: var(--fs-xs);
    font-weight: 700;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--primary-light);
    margin-bottom: var(--space-md);
}
.section-label::before {
    content: '';
    width: 32px;
    height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--accent-light));
    border-radius: 3px;
}
.section-title {
    font-size: clamp(1.75rem, 5vw, 2.75rem);
    margin-bottom: var(--space-lg);
    color: var(--dark);
    font-weight: 800;
    line-height: 1.25;
}
.section-title span,
.section-title em {
    color: var(--primary-light);
    font-style: normal;
}
.section-subtitle {
    font-size: var(--fs-lg);
    color: var(--text-light);
    max-width: 720px;
    margin: 0 auto var(--space-2xl);
    line-height: 1.8;
}

/* Initial state for scroll animations */
section:not(.hero) .section-label,
section:not(.hero) .section-title {
    opacity: 0;
}

/* ─── Buttons ───────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5em;
    font-family: var(--ff-body);
    font-weight: 600;
    font-size: var(--fs-sm);
    padding: 0.75em 1.75em;
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    white-space: nowrap;
    border: 2px solid transparent;
    text-align: center;
}
.btn--accent {
    background: var(--accent);
    color: var(--dark);
    border-color: var(--accent);
}
.btn--accent:hover {
    background: var(--accent-dark);
    border-color: var(--accent-dark);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212, 168, 67, 0.35);
}
.btn--primary {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}
.btn--primary:hover {
    background: var(--primary-light);
    border-color: var(--primary-light);
    transform: translateY(-2px);
}
.btn--outline {
    background: transparent;
    color: var(--primary);
    border-color: var(--primary);
}
.btn--outline:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
}
.btn--outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,0.4);
}
.btn--outline-light:hover {
    background: rgba(255,255,255,0.1);
    border-color: var(--white);
}
.btn--lg { padding: 0.9em 2.2em; font-size: var(--fs-base); }
.btn--block { width: 100%; }
.btn--pulse {
    animation: pulse-glow 2.5s ease-in-out infinite;
}
@keyframes pulse-glow {
    0%, 100% { box-shadow: 0 0 0 0 rgba(212,168,67,0.4); }
    50%      { box-shadow: 0 0 0 12px rgba(212,168,67,0); }
}
.btn svg { flex-shrink: 0; }

/* ─── Flash Messages ────────────────────────────── */
.flash {
    padding: var(--space-md) 0;
    position: relative;
    z-index: 50;
}
.flash .container { display: flex; align-items: center; justify-content: space-between; }
.flash p { font-size: var(--fs-sm); }
.flash--success { background: #ecfdf5; color: #065f46; }
.flash--error   { background: #fef2f2; color: #991b1b; }
.flash__close { font-size: 1.5rem; line-height: 1; opacity: 0.6; }
.flash__close:hover { opacity: 1; }

/* ══════════════════════════════════════════════════
   NAVBAR
   ══════════════════════════════════════════════════ */
.navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    height: var(--navbar-height);
    background: transparent;
    transition: background 0.4s, box-shadow 0.4s, backdrop-filter 0.4s;
}
.navbar--scrolled {
    background: rgba(27, 42, 42, 0.95);
    backdrop-filter: blur(12px);
    box-shadow: 0 2px 20px rgba(0,0,0,0.15);
}
.navbar--hidden {
    transform: translateY(-100%);
    pointer-events: none;
    transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1), background 0.4s, box-shadow 0.4s;
}
.navbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 100%;
}
.navbar__logo {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    text-decoration: none;
}
.navbar__logo-icon { flex-shrink: 0; }
.navbar__logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.navbar__logo-name {
    font-family: var(--ff-heading);
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--white);
}
.navbar__logo-name--accent { color: var(--accent); font-size: 0.8rem; }
.navbar__links {
    display: flex;
    align-items: center;
    gap: var(--space-lg);
}
.navbar__link {
    font-size: var(--fs-sm);
    font-weight: 500;
    color: rgba(255,255,255,0.8);
    position: relative;
    padding: 0.25em 0;
}
.navbar__link::after {
    content: '';
    position: absolute;
    bottom: -2px; left: 0;
    width: 0; height: 2px;
    background: var(--accent);
    transition: width var(--transition);
}
.navbar__link:hover,
.navbar__link.active {
    color: var(--white);
}
.navbar__link:hover::after,
.navbar__link.active::after { width: 100%; }

.navbar__actions {
    display: flex;
    align-items: center;
    gap: var(--space-md);
}
.navbar__phone {
    display: flex;
    align-items: center;
    gap: 0.4em;
    color: rgba(255,255,255,0.8);
    font-size: var(--fs-sm);
    font-weight: 500;
}
.navbar__phone:hover { color: var(--accent); }
.navbar__cta { font-size: var(--fs-xs); }
.navbar__toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.navbar__toggle-bar {
    width: 22px; height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: all var(--transition);
}
.navbar__toggle.active .navbar__toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar__toggle.active .navbar__toggle-bar:nth-child(2) { opacity: 0; }
.navbar__toggle.active .navbar__toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.navbar__drawer {
    position: fixed;
    top: var(--navbar-height); left: 0; right: 0; bottom: 0;
    background: var(--dark);
    padding: var(--space-xl);
    transform: translateX(100%);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    overflow-y: auto;
    z-index: 999;
}
.navbar__drawer.open { transform: translateX(0); }
.navbar__drawer-links { margin-bottom: var(--space-xl); }
.navbar__drawer-links li { border-bottom: 1px solid rgba(255,255,255,0.08); }
.navbar__drawer-links a {
    display: block;
    padding: var(--space-md) 0;
    color: rgba(255,255,255,0.8);
    font-size: var(--fs-lg);
    font-weight: 500;
}
.navbar__drawer-links a.active,
.navbar__drawer-links a:hover { color: var(--accent); }
.navbar__drawer-cta { display: flex; flex-direction: column; gap: var(--space-sm); }

/* ══════════════════════════════════════════════════
   HERO (Home Page)
   ══════════════════════════════════════════════════ */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    background: var(--gradient-hero);
}
.hero__bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}
.hero__bg-image {
    position: absolute;
    inset: 0;
    overflow: hidden;
}
.hero__bg-image img {
    width: 100%; 
    height: 100%;
    object-fit: cover;
    filter: brightness(0.35) saturate(0.8) contrast(1.1);
}
.hero__bg-gradient {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg,
        rgba(15,64,53,0.90) 0%,
        rgba(26,107,90,0.75) 50%,
        rgba(27,42,42,0.90) 100%
    );
    z-index: 1;
}
.hero__bg-pattern {
    position: absolute;
    inset: 0;
    background-image: 
        radial-gradient(circle at 20% 30%, rgba(212,168,67,0.08) 0%, transparent 40%),
        radial-gradient(circle at 80% 70%, rgba(15,64,53,0.15) 0%, transparent 50%),
        radial-gradient(circle at 1px 1px, rgba(255,255,255,0.02) 1px, transparent 0);
    background-size: 800px 800px, 600px 600px, 30px 30px;
    z-index: 2;
    opacity: 0.6;
}
/* Floating shapes */
.hero__shapes {
    position: absolute; 
    inset: 0;
    pointer-events: none; 
    z-index: 2;
    opacity: 0.4;
}
.hero__shape {
    position: absolute;
    border-radius: 50%;
    background: radial-gradient(circle at center, rgba(212,168,67,0.12) 0%, transparent 70%);
    filter: blur(40px);
}
.hero__shape--1 { width: 600px; height: 600px; top: -200px; right: -150px; }
.hero__shape--2 { width: 400px; height: 400px; bottom: -100px; left: -100px; }
.hero__shape--3 { width: 250px; height: 250px; top: 40%; left: 60%; }

.hero__content {
    position: relative;
    z-index: 10;
    max-width: 900px;
    text-align: center;
    padding: calc(var(--navbar-height) + 3rem) var(--space-xl) var(--space-3xl);
    margin: 0 auto;
}
.hero__label {
    display: inline-flex;
    align-items: center;
    gap: 0.6em;
    color: var(--accent-light);
    font-size: var(--fs-xs);
    font-weight: 700;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    margin-bottom: var(--space-lg);
    padding: 0.5em 1.2em;
    background: rgba(212,168,67,0.12);
    border: 1px solid rgba(212,168,67,0.25);
    border-radius: 50px;
    backdrop-filter: blur(10px);
}
.hero__title {
    font-size: clamp(2.5rem, 8vw, 4.5rem);
    color: var(--white);
    margin-bottom: var(--space-xl);
    line-height: 1.15;
    font-weight: 800;
    max-width: 900px;
    text-shadow: 0 2px 30px rgba(0,0,0,0.3);
}
.hero__title em {
    color: var(--accent);
    font-style: italic;
    display: inline-block;
    position: relative;
}
.hero__title em::after {
    content: '';
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0.1em;
    height: 0.12em;
    background: currentColor;
    opacity: 0.3;
    border-radius: 2px;
}
.hero__subtitle {
    font-size: clamp(1rem, 2vw, 1.3rem);
    color: rgba(255,255,255,0.9);
    line-height: 1.8;
    margin-bottom: var(--space-2xl);
    max-width: 700px;
    font-weight: 400;
}
.hero__actions {
    display: flex;
    gap: var(--space-lg);
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: var(--space-3xl);
}
.hero__trust {
    display: flex;
    gap: var(--space-2xl);
    justify-content: center;
    flex-wrap: wrap;
    max-width: 900px;
}
.hero__trust-item {
    display: flex;
    align-items: center;
    gap: 0.5em;
    color: rgba(255,255,255,0.75);
    font-size: var(--fs-sm);
    font-weight: 600;
}
.hero__trust-item svg { 
    color: var(--accent); 
    flex-shrink: 0;
    filter: drop-shadow(0 2px 8px rgba(212,168,67,0.3));
}

/* Story phases - hidden by default */
.story-phase {
    display: none;
}

/* Scroll indicator */
.scroll-indicator {
    position: absolute;
    bottom: 3rem;
    left: 50%;
    transform: translateX(-50%);
    z-index: 10;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.8em;
    color: rgba(255,255,255,0.6);
    font-size: var(--fs-xs);
    font-weight: 600;
    letter-spacing: 0.05em;
}
.scroll-indicator__mouse {
    width: 26px; 
    height: 40px;
    border: 2px solid rgba(255,255,255,0.4);
    border-radius: 13px;
    position: relative;
    background: rgba(255,255,255,0.05);
    backdrop-filter: blur(10px);
}
.scroll-indicator__mouse::after {
    content: '';
    position: absolute;
    top: 8px; 
    left: 50%;
    width: 4px; 
    height: 10px;
    background: var(--accent);
    border-radius: 2px;
    transform: translateX(-50%);
    animation: scroll-mouse 2s ease-in-out infinite;
    box-shadow: 0 2px 8px rgba(212,168,67,0.5);
}
@keyframes scroll-mouse {
    0%, 100% { transform: translateX(-50%) translateY(0); opacity: 1; }
    50%      { transform: translateX(-50%) translateY(12px); opacity: 0.3; }
}

/* Wave divider */
.wave-divider {
    position: absolute;
    bottom: -2px; 
    left: 0;
    width: 100%;
    overflow: hidden;
    line-height: 0;
    z-index: 10;
}
.wave-divider svg {
    position: relative;
    display: block;
    width: calc(100% + 1.3px);
    height: 80px;
}
.wave-divider .shape-fill { fill: var(--white); }

/* ══════════════════════════════════════════════════
   SECTION 2: PROBLEM
   ══════════════════════════════════════════════════ */
.problem {
    position: relative;
    padding: 5rem 0 6rem;
    background: linear-gradient(180deg, var(--white) 0%, var(--off-white) 100%);
    overflow: hidden;
}
.problem__bg-accent {
    position: absolute;
    top: 0; right: 0;
    width: 45%; height: 100%;
    background: radial-gradient(ellipse at top right, rgba(15,64,53,0.04), transparent),
                linear-gradient(135deg, rgba(212,168,67,0.02), rgba(15,64,53,0.03));
    clip-path: polygon(25% 0, 100% 0, 100% 100%, 0 100%);
    pointer-events: none;
    opacity: 0.8;
}
/* Initial hidden states for scroll animations */
.problem .section-label,
.problem .section-title,
.problem__narrative,
.problem__cost-item,
.problem__total {
    opacity: 0;
}
.problem__narrative {
    max-width: 760px;
    margin: 0 auto var(--space-3xl);
    text-align: center;
}
.problem__narrative p {
    font-size: var(--fs-lg);
    color: var(--text-light);
    line-height: 1.9;
    font-weight: 400;
}
.problem__costs {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-lg);
    margin-bottom: var(--space-3xl);
}
.problem__cost-item {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    display: flex;
    align-items: center;
    gap: var(--space-lg);
    transition: all 0.3s ease;
    border: 2px solid var(--gray-200);
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.problem__cost-item:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.12);
    border-color: var(--accent);
}
.problem__cost-icon {
    width: 56px; height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: var(--accent);
    border-radius: var(--radius-md);
    flex-shrink: 0;
    box-shadow: 0 4px 12px rgba(15,64,53,0.2);
}
.problem__cost-info { flex: 1; }
.problem__cost-name {
    font-weight: 700;
    font-size: var(--fs-base);
    color: var(--dark);
    margin-bottom: 0.25rem;
}
.problem__cost-range {
    font-size: var(--fs-sm);
    color: var(--text-light);
    font-weight: 500;
}

.problem__total {
    background: linear-gradient(135deg, var(--dark) 0%, var(--primary-dark) 100%);
    border-radius: var(--radius-lg);
    padding: var(--space-3xl) var(--space-2xl);
    text-align: center;
    color: var(--white);
    max-width: 600px;
    margin: 0 auto;
    box-shadow: 0 10px 40px rgba(0,0,0,0.2);
    position: relative;
    overflow: hidden;
}
.problem__total::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: radial-gradient(circle at top right, rgba(212,168,67,0.1), transparent);
    pointer-events: none;
}
.problem__total > * { position: relative; }
.problem__total-label {
    font-size: var(--fs-sm);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: rgba(255,255,255,0.7);
    margin-bottom: var(--space-md);
}
.problem__total-amount {
    font-family: var(--ff-heading);
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 800;
    color: var(--accent);
    margin-bottom: var(--space-md);
    line-height: 1;
    text-shadow: 0 2px 20px rgba(212,168,67,0.4);
}
.problem__total-amount .suffix { 
    font-size: 0.6em; 
    opacity: 0.8;
}
.problem__total-note {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.7);
    line-height: 1.6;
}

/* ══════════════════════════════════════════════════
   SECTION 3: PROCESS
   ══════════════════════════════════════════════════ */
.process {
    padding: var(--space-section) 0;
    background: var(--off-white);
}
.process__steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-lg);
    position: relative;
    margin-top: var(--space-2xl);
}
/* connecting line */
.process__steps::before {
    content: '';
    position: absolute;
    top: 32px;
    left: 10%; right: 10%;
    height: 2px;
    background: var(--gray-200);
    z-index: 0;
}
.process__line-progress {
    position: absolute;
    top: 32px; left: 10%;
    height: 2px;
    width: 0;
    background: var(--accent);
    z-index: 1;
    transition: width 1s ease;
}
.process__step {
    text-align: center;
    position: relative;
    z-index: 2;
}
.process__step-number {
    width: 64px; height: 64px;
    margin: 0 auto var(--space-md);
    border-radius: 50%;
    background: var(--white);
    border: 2px solid var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-400);
    transition: all 0.5s ease;
}
.process__step-number svg { width: 26px; height: 26px; }
.process__step.active .process__step-number {
    background: var(--primary);
    color: var(--accent);
    border-color: var(--primary);
    box-shadow: 0 4px 20px rgba(15,64,53,0.3);
}
.process__step-title {
    font-family: var(--ff-heading);
    font-size: var(--fs-base);
    font-weight: 700;
    margin-bottom: var(--space-xs);
    color: var(--dark);
}
.process__step-desc {
    font-size: var(--fs-sm);
    color: var(--text-light);
    line-height: 1.6;
    max-width: 220px;
    margin: 0 auto;
}

/* ══════════════════════════════════════════════════
   SECTION 4: PLANS
   ══════════════════════════════════════════════════ */
.plans {
    padding: var(--space-section) 0;
    background: var(--white);
}
.plans__toggle {
    display: flex;
    justify-content: center;
    margin-bottom: var(--space-2xl);
}
.plans__toggle-wrap {
    display: inline-flex;
    background: var(--off-white);
    border-radius: 50px;
    padding: 4px;
    border: 1px solid var(--gray-200);
}
.plans__toggle-btn {
    padding: 0.6em 1.8em;
    border-radius: 50px;
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--text-light);
    transition: all var(--transition);
}
.plans__toggle-btn.active {
    background: var(--primary);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}
.plans__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-lg);
    align-items: start;
}
.plan-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-2xl) var(--space-xl);
    transition: transform var(--transition), box-shadow var(--transition);
    position: relative;
}
.plan-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}
.plan-card--featured {
    border-color: var(--primary);
    border-width: 2px;
    box-shadow: var(--shadow-md);
    transform: scale(1.03);
}
.plan-card--featured:hover {
    transform: scale(1.03) translateY(-4px);
    box-shadow: var(--shadow-xl);
}
.plan-card__badge {
    position: absolute;
    top: -12px; left: 50%;
    transform: translateX(-50%);
    background: var(--accent);
    color: var(--dark);
    font-size: var(--fs-xs);
    font-weight: 700;
    padding: 0.3em 1.2em;
    border-radius: 50px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.plan-card__name {
    font-family: var(--ff-heading);
    font-size: var(--fs-xl);
    font-weight: 700;
    color: var(--dark);
    margin-bottom: var(--space-xs);
}
.plan-card__range {
    font-size: var(--fs-sm);
    color: var(--text-light);
    margin-bottom: var(--space-md);
}
.plan-card__price {
    font-family: var(--ff-heading);
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: var(--space-lg);
}
.plan-card__price span {
    font-family: var(--ff-body);
    font-size: var(--fs-sm);
    font-weight: 400;
    color: var(--text-light);
}
.plan-card__features {
    margin-bottom: var(--space-xl);
}
.plan-card__features li {
    display: flex;
    align-items: flex-start;
    gap: 0.6em;
    padding: 0.5em 0;
    font-size: var(--fs-sm);
    color: var(--text);
    border-bottom: 1px solid var(--gray-100);
}
.plan-card__features li:last-child { border-bottom: none; }
.plan-card__features li svg { color: var(--primary-light); flex-shrink: 0; margin-top: 2px; }
.plan-card__cta { text-align: center; }
.plan-card__cta .btn { width: 100%; }

/* ══════════════════════════════════════════════════
   SECTION 5: STATS
   ══════════════════════════════════════════════════ */
.stats {
    position: relative;
    padding: var(--space-section) 0;
    background: var(--gradient-dark);
    overflow: hidden;
}
.stats__bg-image {
    position: absolute; inset: 0;
    z-index: 0;
    overflow: hidden;
}
.stats__bg-image img {
    width: 100%; height: 100%;
    object-fit: cover;
    filter: brightness(0.2) saturate(0.5);
}
.stats__bg-pattern {
    position: absolute; inset: 0;
    background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.03) 1px, transparent 0);
    background-size: 32px 32px;
    z-index: 1;
}
.stats__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-lg);
    position: relative;
    z-index: 2;
}
.stat-card {
    text-align: center;
    padding: var(--space-xl);
}
.stat-card__ring {
    width: 120px; height: 120px;
    margin: 0 auto var(--space-md);
    position: relative;
}
.stat-card__ring svg {
    width: 100%; height: 100%;
    transform: rotate(-90deg);
}
.ring-bg {
    fill: none;
    stroke: rgba(255,255,255,0.1);
    stroke-width: 6;
}
.ring-progress {
    fill: none;
    stroke: var(--accent);
    stroke-width: 6;
    stroke-linecap: round;
    stroke-dasharray: 339.292;
    stroke-dashoffset: 339.292;
    transition: stroke-dashoffset 2s cubic-bezier(0.16, 1, 0.3, 1);
}
.stat-card__number {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--ff-heading);
    font-size: var(--fs-2xl);
    font-weight: 700;
    color: var(--white);
}
.stat-card__number .suffix {
    font-size: 0.5em;
    font-family: var(--ff-body);
    color: var(--accent);
    margin-left: 0.1em;
}
.stat-card__label {
    font-size: var(--fs-sm);
    font-weight: 500;
    color: rgba(255,255,255,0.7);
}

/* ══════════════════════════════════════════════════
   SECTION 6: AGENTS
   ══════════════════════════════════════════════════ */
.agents {
    padding: var(--space-section) 0;
    background: var(--white);
}
.agents__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-lg);
    margin-top: var(--space-2xl);
}
.agent-card {
    display: flex;
    gap: var(--space-lg);
    padding: var(--space-xl);
    background: var(--off-white);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
    transition: transform var(--transition), box-shadow var(--transition);
}
.agent-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.agent-card__icon {
    width: 56px; height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary);
    color: var(--accent);
    border-radius: var(--radius-md);
    flex-shrink: 0;
}
.agent-card__content h4 {
    font-family: var(--ff-heading);
    font-size: var(--fs-base);
    margin-bottom: var(--space-xs);
    color: var(--dark);
}
.agent-card__content p {
    font-size: var(--fs-sm);
    color: var(--text-light);
    line-height: 1.6;
}

/* ══════════════════════════════════════════════════
   SECTION 7: TESTIMONIALS
   ══════════════════════════════════════════════════ */
.testimonials {
    position: relative;
    padding: var(--space-section) 0;
    background: var(--off-white);
    overflow: hidden;
}
.testimonials__bg {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(15,64,53,0.03) 0%, transparent 60%);
    pointer-events: none;
}
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
    height: 100%;
    display: flex;
    flex-direction: column;
}
.testimonial-card__quote-mark {
    font-family: var(--ff-heading);
    font-size: 3.5rem;
    line-height: 1;
    color: var(--accent);
    opacity: 0.5;
    margin-bottom: -0.5rem;
}
.testimonial-card__stars {
    display: flex;
    gap: 3px;
    color: var(--accent);
    margin-bottom: var(--space-md);
}
.testimonial-card__text {
    font-size: var(--fs-sm);
    color: var(--text);
    line-height: 1.7;
    flex: 1;
    margin-bottom: var(--space-lg);
}
.testimonial-card__author {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding-top: var(--space-md);
    border-top: 1px solid var(--gray-100);
}
.testimonial-card__avatar {
    width: 42px; height: 42px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--ff-heading);
    font-size: var(--fs-sm);
    font-weight: 700;
    flex-shrink: 0;
}
.testimonial-card__name {
    font-weight: 600;
    font-size: var(--fs-sm);
    color: var(--dark);
}
.testimonial-card__location {
    font-size: var(--fs-xs);
    color: var(--text-muted);
}
/* Swiper overrides */
.testimonials .swiper { overflow: visible; padding-bottom: var(--space-2xl); }
.testimonials .swiper-pagination { bottom: 0 !important; }
.testimonials .swiper-pagination-bullet { background: var(--primary); opacity: 0.3; width: 10px; height: 10px; }
.testimonials .swiper-pagination-bullet-active { opacity: 1; background: var(--accent); }

/* ══════════════════════════════════════════════════
   SECTION 8: QUICK QUOTE CALCULATOR
   ══════════════════════════════════════════════════ */
.quick-quote {
    position: relative;
    padding: var(--space-section) 0;
    background: var(--gradient-dark);
    overflow: hidden;
}
.quick-quote__bg-shapes {
    position: absolute; inset: 0;
    pointer-events: none;
}
.quick-quote__content {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: var(--space-3xl);
    align-items: center;
    position: relative;
    z-index: 2;
}
.quick-quote__text h2 {
    font-size: var(--fs-3xl);
    color: var(--white);
    margin-bottom: var(--space-md);
}
.quick-quote__text p {
    font-size: var(--fs-base);
    color: rgba(255,255,255,0.75);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
}
/* Image in bounds */
.quick-quote__image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    margin-bottom: var(--space-lg);
    border: 3px solid rgba(255,255,255,0.1);
}
.quick-quote__image img {
    width: 100%; height: 260px;
    object-fit: cover;
    display: block;
}
.quick-quote__calculator {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-2xl);
    box-shadow: var(--shadow-xl);
}
.quick-quote__calculator h3 {
    font-size: var(--fs-xl);
    color: var(--dark);
    margin-bottom: var(--space-xl);
    text-align: center;
}
.calc-field { margin-bottom: var(--space-lg); }
.calc-field__label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--space-sm);
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--text);
}
.calc-field__value {
    color: var(--primary);
    font-weight: 700;
}
.calc-slider {
    -webkit-appearance: none;
    width: 100%; height: 6px;
    border-radius: 3px;
    background: var(--gray-200);
    outline: none;
}
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: var(--shadow-md);
}
.calc-slider::-moz-range-thumb {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: var(--shadow-md);
}
.calc-gender {
    display: flex;
    gap: var(--space-sm);
}
.calc-gender__btn {
    flex: 1;
    padding: 0.7em;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-sm);
    text-align: center;
    transition: all var(--transition);
}
.calc-gender__btn.active {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}
.calc-result {
    background: var(--off-white);
    border-radius: var(--radius-md);
    padding: var(--space-lg);
    text-align: center;
    margin: var(--space-lg) 0;
}
.calc-result__label {
    font-size: var(--fs-xs);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-light);
    margin-bottom: var(--space-xs);
}
.calc-result__amount {
    font-family: var(--ff-heading);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary);
}
.calc-result__period {
    font-size: var(--fs-xs);
    color: var(--text-muted);
    margin-top: var(--space-xs);
}

/* ══════════════════════════════════════════════════
   INNER PAGE HERO (Quote, Services, Contact, About)
   ══════════════════════════════════════════════════ */
.inner-hero {
    position: relative;
    padding: calc(var(--navbar-height) + 3rem) 0 5rem;
    background: var(--gradient-hero);
    overflow: hidden;
    text-align: center;
}
.inner-hero--compact {
    padding-bottom: 4rem;
}
.inner-hero__bg {
    position: absolute; inset: 0;
    z-index: 0;
}
.inner-hero__bg::after {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg,
        rgba(15,64,53,0.9) 0%,
        rgba(26,107,90,0.8) 50%,
        rgba(27,42,42,0.9) 100%
    );
    z-index: 1;
}
.inner-hero__bg-photo {
    width: 100%; height: 100%;
    object-fit: cover;
    filter: brightness(0.5) saturate(0.6);
}
.inner-hero .container {
    position: relative;
    z-index: 5;
}
.inner-hero__title {
    font-size: var(--fs-3xl);
    color: var(--white);
    margin-bottom: var(--space-md);
}
.inner-hero__title em {
    color: var(--accent);
    font-style: italic;
}
.inner-hero__subtitle {
    font-size: var(--fs-lg);
    color: rgba(255,255,255,0.8);
    max-width: 640px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ══════════════════════════════════════════════════
   QUOTE PAGE
   ══════════════════════════════════════════════════ */
.quote-section {
    padding: var(--space-section) 0;
    background: var(--white);
}
.quote-form-wrapper {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: var(--space-2xl);
    align-items: start;
}
.quote-form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-2xl);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-md);
}
/* Progress */
.quote-progress {
    position: relative;
    margin-bottom: var(--space-2xl);
}
.quote-progress-bar {
    height: 3px;
    background: var(--accent);
    border-radius: 2px;
    transition: width 0.4s ease;
}
.quote-progress-dots {
    display: flex;
    justify-content: space-between;
    margin-top: var(--space-sm);
}
.quote-progress-dot {
    width: 30px; height: 30px;
    border-radius: 50%;
    background: var(--gray-100);
    color: var(--text-muted);
    font-size: var(--fs-xs);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition);
    border: 2px solid var(--gray-200);
}
.quote-progress-dot.active {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}
.quote-progress-dot.completed {
    background: var(--accent);
    color: var(--dark);
    border-color: var(--accent);
}

/* Steps */
.quote-step { display: none; }
.quote-step.active { display: block; }
.quote-step__header {
    text-align: center;
    margin-bottom: var(--space-xl);
}
.quote-step__header h2 {
    font-size: var(--fs-2xl);
    margin-bottom: var(--space-xs);
}
.quote-step__header p {
    font-size: var(--fs-sm);
    color: var(--text-light);
}

/* Option cards */
.quote-option-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-md);
}
.quote-option-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-xl);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition);
    color: var(--text-light);
}
.quote-option-card:hover {
    border-color: var(--primary-light);
    background: rgba(15,64,53,0.03);
}
.quote-option-card.selected {
    border-color: var(--primary);
    background: rgba(15,64,53,0.05);
    color: var(--primary);
}
.quote-option-card span { font-weight: 600; font-size: var(--fs-base); }

/* Age input */
.age-input { text-align: center; padding: var(--space-xl) 0; }
.age-input__display {
    font-family: var(--ff-heading);
    font-size: 4rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1;
}
.age-input__label {
    font-size: var(--fs-lg);
    color: var(--text-light);
    margin-bottom: var(--space-xl);
}
.age-input__slider { width: 100%; margin: var(--space-xl) 0 var(--space-sm); }
.age-input__range {
    display: flex;
    justify-content: space-between;
    font-size: var(--fs-xs);
    color: var(--text-muted);
}

/* Health questions */
.health-questions { display: flex; flex-direction: column; gap: var(--space-md); }
.health-question {
    padding: var(--space-lg);
    background: var(--off-white);
    border-radius: var(--radius-md);
}
.health-question p {
    font-weight: 600;
    font-size: var(--fs-sm);
    margin-bottom: var(--space-sm);
    color: var(--dark);
}
.health-question__btns { display: flex; gap: var(--space-sm); }
.health-btn {
    flex: 1;
    padding: 0.6em 1em;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: var(--fs-sm);
    text-align: center;
    transition: all var(--transition);
}
.health-btn.selected,
.health-btn.active {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}

/* Coverage selector */
.coverage-selector { text-align: center; padding: var(--space-lg) 0; }
.coverage-display {
    font-family: var(--ff-heading);
    font-size: 3rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: var(--space-md);
}
.coverage-slider { width: 100%; margin-bottom: var(--space-sm); }
.coverage-range {
    display: flex;
    justify-content: space-between;
    font-size: var(--fs-xs);
    color: var(--text-muted);
    margin-bottom: var(--space-lg);
}
.coverage-presets {
    display: flex;
    gap: var(--space-xs);
    justify-content: center;
    flex-wrap: wrap;
}
.coverage-preset {
    padding: 0.4em 1em;
    border: 1px solid var(--gray-200);
    border-radius: 50px;
    font-size: var(--fs-xs);
    font-weight: 600;
    transition: all var(--transition);
}
.coverage-preset.active,
.coverage-preset:hover {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}

/* Contact form fields */
.quote-contact-form { display: flex; flex-direction: column; gap: var(--space-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-md); }
.form-group { display: flex; flex-direction: column; gap: var(--space-xs); }
.form-group label {
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--text);
}
.form-group input,
.form-group textarea,
.form-group select {
    padding: 0.75em 1em;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    background: var(--white);
    font-size: var(--fs-sm);
    transition: border-color var(--transition);
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
}
.form-error {
    font-size: var(--fs-xs);
    color: #dc2626;
    min-height: 0;
}

/* Review */
.quote-review__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-md);
    margin-bottom: var(--space-xl);
}
.quote-review__item {
    padding: var(--space-md);
    background: var(--off-white);
    border-radius: var(--radius-sm);
}
.quote-review__label {
    font-size: var(--fs-xs);
    font-weight: 600;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: var(--space-xs);
    display: block;
}
.quote-review__value {
    font-weight: 600;
    color: var(--dark);
    font-size: var(--fs-sm);
}
.quote-review__estimate {
    background: var(--gradient-dark);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    text-align: center;
    color: var(--white);
}
.quote-review__estimate-label {
    font-size: var(--fs-xs);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.7);
    margin-bottom: var(--space-sm);
}
.quote-review__estimate-amount {
    font-family: var(--ff-heading);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--accent);
}
.quote-review__estimate-note {
    font-size: var(--fs-xs);
    color: rgba(255,255,255,0.6);
    margin-top: var(--space-xs);
}

/* Nav buttons */
.quote-nav {
    display: flex;
    justify-content: space-between;
    margin-top: var(--space-xl);
    gap: var(--space-md);
}
.quote-nav__next { margin-left: auto; }

/* Success */
.quote-success {
    text-align: center;
    padding: var(--space-3xl) var(--space-xl);
}
.quote-success__icon {
    width: 80px; height: 80px;
    margin: 0 auto var(--space-lg);
    color: var(--primary);
}
.quote-success__icon svg { width: 100%; height: 100%; }
.quote-success h2 { margin-bottom: var(--space-md); }
.quote-success p { color: var(--text-light); margin-bottom: var(--space-xl); }

/* Sidebar */
.quote-sidebar {
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
}
.quote-sidebar__card {
    background: var(--off-white);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    border: 1px solid var(--gray-200);
}
.quote-sidebar__card h3 {
    font-size: var(--fs-base);
    margin-bottom: var(--space-md);
}
.quote-sidebar__card ul {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}
.quote-sidebar__card li {
    display: flex;
    align-items: center;
    gap: 0.5em;
    font-size: var(--fs-sm);
    color: var(--text);
}
.quote-sidebar__card li svg { color: var(--primary-light); flex-shrink: 0; }
.quote-sidebar__card p {
    font-size: var(--fs-sm);
    color: var(--text-light);
    margin-bottom: var(--space-md);
}

/* ══════════════════════════════════════════════════
   SERVICES PAGE
   ══════════════════════════════════════════════════ */
.services {
    padding: var(--space-section) 0;
    background: var(--white);
}
.services__tabs {
    display: flex;
    justify-content: center;
    gap: var(--space-md);
    margin-bottom: var(--space-2xl);
}
.services__tab {
    display: inline-flex;
    align-items: center;
    gap: 0.5em;
    padding: 0.8em 1.8em;
    border: 2px solid var(--gray-200);
    border-radius: 50px;
    font-size: var(--fs-sm);
    font-weight: 600;
    color: var(--text-light);
    transition: all var(--transition);
}
.services__tab.active {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
}
.services__tab svg { flex-shrink: 0; }
.services__panel { display: none; }
.services__panel.active { display: block; }
.services__intro {
    text-align: center;
    margin-bottom: var(--space-2xl);
}
.services__intro h2 {
    font-size: var(--fs-3xl);
    margin-bottom: var(--space-md);
}
.services__intro h2 span { color: var(--primary-light); }
.services__intro p {
    font-size: var(--fs-base);
    color: var(--text-light);
    max-width: 680px;
    margin: 0 auto;
    line-height: 1.7;
}

.services__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-lg);
}
.service-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    transition: transform var(--transition), box-shadow var(--transition);
}
.service-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}
.service-card__icon {
    width: 56px; height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--off-white);
    color: var(--primary);
    border-radius: var(--radius-md);
    margin-bottom: var(--space-md);
    border: 1px solid var(--gray-200);
}
.service-card__title {
    font-family: var(--ff-heading);
    font-size: var(--fs-xl);
    margin-bottom: var(--space-sm);
    color: var(--dark);
}
.service-card__desc {
    font-size: var(--fs-sm);
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
}
.service-card__details li {
    display: flex;
    align-items: center;
    gap: 0.5em;
    padding: 0.4em 0;
    font-size: var(--fs-sm);
    color: var(--text);
}
.service-card__details li::before {
    content: '';
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--accent);
    flex-shrink: 0;
}

/* Why section */
.services-why {
    padding: var(--space-section) 0;
    background: var(--off-white);
}
.services-why__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-lg);
    margin-top: var(--space-2xl);
}
.services-why__item {
    padding: var(--space-xl);
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
    transition: transform var(--transition), box-shadow var(--transition);
}
.services-why__item:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.services-why__number {
    font-family: var(--ff-heading);
    font-size: var(--fs-3xl);
    font-weight: 800;
    color: var(--accent);
    opacity: 0.4;
    margin-bottom: var(--space-sm);
}
.services-why__item h4 {
    font-size: var(--fs-base);
    margin-bottom: var(--space-xs);
    color: var(--dark);
}
.services-why__item p {
    font-size: var(--fs-sm);
    color: var(--text-light);
    line-height: 1.6;
}

/* CTA */
.services-cta {
    padding: var(--space-section) 0;
    background: var(--primary);
    color: var(--white);
}
.services-cta h2 {
    font-size: var(--fs-3xl);
    color: var(--white);
    margin-bottom: 0;
}

/* ══════════════════════════════════════════════════
   CONTACT PAGE
   ══════════════════════════════════════════════════ */
.contact {
    padding: var(--space-section) 0;
    background: var(--white);
}
.contact__grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: var(--space-2xl);
    align-items: start;
}
.contact__form-wrap h2 {
    font-size: var(--fs-2xl);
    margin-bottom: var(--space-sm);
}
.contact__form-wrap > p {
    color: var(--text-light);
    margin-bottom: var(--space-xl);
}
.contact__form-wrap form {
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
}
.contact__info {
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
}
.contact__info-card {
    background: var(--off-white);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    border: 1px solid var(--gray-200);
}
.contact__info-card h3 {
    font-size: var(--fs-base);
    margin-bottom: var(--space-lg);
    color: var(--dark);
}
.contact__info-items {
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
}
.contact__info-item {
    display: flex;
    align-items: flex-start;
    gap: var(--space-md);
}
.contact__info-icon {
    width: 40px; height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary);
    color: var(--accent);
    border-radius: var(--radius-sm);
    flex-shrink: 0;
}
.contact__info-item strong {
    display: block;
    font-size: var(--fs-sm);
    color: var(--dark);
    margin-bottom: 2px;
}
.contact__info-item a,
.contact__info-item span {
    font-size: var(--fs-sm);
    color: var(--text-light);
}
.contact__info-item a:hover { color: var(--primary); }
.contact__quick-links {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}
.contact__map {
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid var(--gray-200);
}
.contact__map-placeholder {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: var(--space-sm);
    padding: var(--space-2xl);
    background: var(--off-white);
    text-align: center;
}
.contact__map-placeholder span {
    font-weight: 600;
    color: var(--dark);
}
.contact__map-placeholder small {
    font-size: var(--fs-xs);
    color: var(--text-muted);
}

/* ══════════════════════════════════════════════════
   ABOUT PAGE
   ══════════════════════════════════════════════════ */
.about-story {
    padding: var(--space-section) 0;
    background: var(--white);
}
.about-story__grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: var(--space-3xl);
    align-items: center;
}
.about-story__content h2 {
    font-size: var(--fs-3xl);
    margin-bottom: var(--space-lg);
}
.about-story__content h2 span { color: var(--primary-light); }
.about-story__content p {
    font-size: var(--fs-base);
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: var(--space-md);
}
/* Image in bounds */
.about-story__image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 4px solid var(--off-white);
}
.about-story__photo {
    width: 100%; height: auto;
    object-fit: cover;
    display: block;
}

/* Values */
.about-values {
    padding: var(--space-section) 0;
    background: var(--off-white);
}
.about-values__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-lg);
    margin-top: var(--space-2xl);
}
.about-values__card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    border: 1px solid var(--gray-200);
    transition: transform var(--transition), box-shadow var(--transition);
}
.about-values__card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.about-values__icon {
    width: 56px; height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary);
    color: var(--accent);
    border-radius: var(--radius-md);
    margin-bottom: var(--space-md);
}
.about-values__card h3 {
    font-family: var(--ff-heading);
    font-size: var(--fs-xl);
    margin-bottom: var(--space-sm);
    color: var(--dark);
}
.about-values__card p {
    font-size: var(--fs-sm);
    color: var(--text-light);
    line-height: 1.7;
}

/* Partners */
.about-partners {
    padding: var(--space-section) 0;
    background: var(--white);
}
.about-partners__logos {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-md);
    margin-top: var(--space-2xl);
}
.about-partners__logo-item {
    background: var(--off-white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: var(--space-lg) var(--space-md);
    text-align: center;
    transition: transform var(--transition), box-shadow var(--transition);
}
.about-partners__logo-item:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}
.about-partners__logo-placeholder {
    font-weight: 700;
    font-size: var(--fs-sm);
    color: var(--text-light);
    letter-spacing: 0.02em;
}

/* CTA */
.about-cta {
    padding: var(--space-section) 0;
    background: var(--off-white);
}
.about-cta__box {
    background: var(--gradient-dark);
    border-radius: var(--radius-xl);
    padding: var(--space-3xl);
    text-align: center;
    color: var(--white);
}
.about-cta__box h2 {
    font-size: var(--fs-3xl);
    color: var(--white);
    margin-bottom: var(--space-md);
}
.about-cta__box p {
    font-size: var(--fs-lg);
    color: rgba(255,255,255,0.8);
    margin-bottom: var(--space-xl);
}
.about-cta__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}

/* ══════════════════════════════════════════════════
   FOOTER
   ══════════════════════════════════════════════════ */
.footer {
    background: var(--dark);
    color: var(--white);
}

/* CTA Banner */
.footer__cta-banner {
    background: var(--primary);
    padding: var(--space-2xl) 0;
}
.footer__cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-xl);
    flex-wrap: wrap;
}
.footer__cta-text h2 {
    font-size: var(--fs-2xl);
    color: var(--white);
    margin-bottom: var(--space-xs);
}
.footer__cta-text p {
    color: rgba(255,255,255,0.8);
    font-size: var(--fs-sm);
}
.footer__cta-actions {
    display: flex;
    gap: var(--space-md);
    flex-wrap: wrap;
}

/* Main footer */
.footer__main {
    padding: var(--space-3xl) 0 var(--space-2xl);
}
.footer__grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: var(--space-2xl);
}
.footer__logo {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
    font-family: var(--ff-heading);
    font-size: var(--fs-lg);
    font-weight: 700;
    color: var(--white);
}
.footer__about-text {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.6);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
}
.footer__social {
    display: flex;
    gap: var(--space-sm);
}
.footer__social-link {
    width: 36px; height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.5);
    background: rgba(255,255,255,0.05);
    border-radius: var(--radius-sm);
    transition: all var(--transition);
}
.footer__social-link:hover {
    background: var(--accent);
    color: var(--dark);
}
.footer__heading {
    font-family: var(--ff-body);
    font-size: var(--fs-xs);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.5);
    margin-bottom: var(--space-lg);
}
.footer__links li { margin-bottom: var(--space-sm); }
.footer__links a {
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.6);
    transition: color var(--transition);
}
.footer__links a:hover { color: var(--accent); }
.footer__contact-list li {
    display: flex;
    align-items: flex-start;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
    font-size: var(--fs-sm);
    color: rgba(255,255,255,0.6);
}
.footer__contact-list li svg {
    flex-shrink: 0;
    color: var(--accent);
    margin-top: 2px;
}
.footer__contact-list a {
    color: rgba(255,255,255,0.6);
}
.footer__contact-list a:hover { color: var(--accent); }

/* Bottom bar — same color as footer */
.footer__bottom {
    background: var(--dark);
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: var(--space-lg) 0;
}
.footer__bottom-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: var(--space-md);
}
.footer__bottom p {
    color: rgba(255,255,255,0.4);
    font-size: var(--fs-xs);
    margin-bottom: 0;
}
.footer__bottom-links {
    display: flex;
    gap: var(--space-lg);
}
.footer__bottom-links a {
    color: rgba(255,255,255,0.4);
    font-size: var(--fs-xs);
    transition: color var(--transition);
}
.footer__bottom-links a:hover { color: var(--accent); }

/* ══════════════════════════════════════════════════
   BACK TO TOP
   ══════════════════════════════════════════════════ */
.back-to-top {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 44px; height: 44px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: all var(--transition);
    z-index: 100;
}
.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.back-to-top:hover {
    background: var(--accent);
    color: var(--dark);
    transform: translateY(-3px);
}

/* ══════════════════════════════════════════════════
   RESPONSIVE
   ══════════════════════════════════════════════════ */

/* ─── ≤ 1100px ─── */
@media (max-width: 1100px) {
    .footer__grid {
        grid-template-columns: 1fr 1fr;
        gap: var(--space-xl);
    }
    .quick-quote__content {
        grid-template-columns: 1fr;
    }
    .about-partners__logos {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* ─── ≤ 992px ─── */
@media (max-width: 992px) {
    :root {
        --fs-hero:      2.75rem;
        --fs-3xl:       2rem;
        --space-section: 2rem;
    }
    .navbar__links,
    .navbar__actions .navbar__phone { display: none; }
    .navbar__toggle { display: flex; }

    .process__steps {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-xl);
    }
    .process__steps::before { display: none; }
    .process__line-progress { display: none; }

    .plans__grid {
        grid-template-columns: 1fr;
        max-width: 480px;
        margin-inline: auto;
    }
    .plan-card--featured { transform: none; order: -1; }
    .plan-card--featured:hover { transform: translateY(-4px); }

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

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

    .quick-quote__content { grid-template-columns: 1fr; }

    .about-story__grid { grid-template-columns: 1fr; }

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

    .services__tabs {
        flex-direction: column;
        align-items: center;
    }
    .services__grid { grid-template-columns: 1fr; }
    .services-why__grid { grid-template-columns: repeat(2, 1fr); }

    .footer__cta-inner {
        flex-direction: column;
        text-align: center;
    }
    .footer__grid {
        grid-template-columns: 1fr 1fr;
    }
}

/* ─── ≤ 768px ─── */
@media (max-width: 768px) {
    :root {
        --fs-hero:       2.25rem;
        --fs-3xl:        1.75rem;
        --fs-2xl:        1.5rem;
        --fs-xl:         1.25rem;
        --space-section: 1.75rem;
        --navbar-height: 68px;
    }
    .container { padding: 0 var(--space-lg); }

    .hero__content { padding: calc(var(--navbar-height) + 2rem) var(--space-lg) var(--space-2xl); }
    .hero__title { font-size: 2rem; }
    .hero__subtitle { font-size: 1rem; }
    .hero__label { font-size: 0.65rem; padding: 0.4em 1em; }
    .hero__actions { flex-direction: column; width: 100%; max-width: 400px; margin: 0 auto var(--space-2xl); }
    .hero__actions .btn { width: 100%; }
    .hero__trust { flex-direction: column; align-items: center; gap: var(--space-sm); max-width: 100%; }
    .scroll-indicator { display: none; }

    .problem { padding: 3rem 0 4rem; }
    .problem__costs { grid-template-columns: 1fr; gap: var(--space-md); }
    .problem__cost-item { padding: var(--space-lg); gap: var(--space-md); }
    .problem__cost-icon { width: 48px; height: 48px; }
    .problem__total { padding: var(--space-2xl) var(--space-lg); }

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

    .stats__grid { grid-template-columns: 1fr 1fr; gap: var(--space-md); }
    .stat-card { padding: var(--space-md); }
    .stat-card__ring { width: 90px; height: 90px; }

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

    .about-values__grid { grid-template-columns: 1fr; }
    .about-partners__logos { grid-template-columns: repeat(2, 1fr); }

    .services-why__grid { grid-template-columns: 1fr; }

    .footer__grid { grid-template-columns: 1fr; }
    .footer__col:last-child { grid-column: auto; }
}

/* ─── ≤ 480px ─── */
@media (max-width: 480px) {
    :root {
        --fs-hero:  1.75rem;
        --fs-3xl:   1.5rem;
        --space-section: 1.5rem;
    }
    
    .hero__title { font-size: 1.75rem; line-height: 1.2; }
    .hero__subtitle { font-size: 0.95rem; }
    .hero__content { padding: calc(var(--navbar-height) + 1.5rem) var(--space-md) var(--space-xl); }
    
    .problem__costs { grid-template-columns: 1fr; }
    .problem__total-amount { font-size: 2.5rem; }
    
    .process__steps { grid-template-columns: 1fr; }
    .stats__grid { grid-template-columns: 1fr; }
    .quote-option-grid { grid-template-columns: 1fr; }
    .quote-review__grid { grid-template-columns: 1fr; }
    .about-partners__logos { grid-template-columns: 1fr 1fr; }
}

/* ─── Reveal Classes (always visible) ─────────── */
.reveal-up, .reveal-down, .reveal-left, .reveal-right,
.reveal-scale, .reveal-rotate, .will-animate, .scroll-reveal {
    /* These classes exist in markup; ensure content is ALWAYS visible */
    opacity: 1 !important;
    visibility: visible !important;
    transform: none !important;
}