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

:root {
  --navy: #0d1b2a;
  --navy-light: #1a2f47;
  --teal: #0891b2;
  --teal-dark: #0e7490;
  --teal-light: #e0f7fa;
  --teal-xlight: #f0fdff;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,.10), 0 2px 6px rgba(0,0,0,.06);
  --shadow-lg: 0 10px 40px rgba(0,0,0,.12), 0 4px 12px rgba(0,0,0,.08);
  --radius: 14px;
  --radius-sm: 8px;
  --radius-lg: 18px;
  --radius-full: 9999px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.hidden { display: none !important; }
.text-center { text-align: center; }
.teal-text { color: var(--teal); }

/* ===== PLAYFAIR HEADINGS ===== */
h1, h2, h3 {
  font-family: 'Vollkorn', 'Playfair Display', Georgia, serif;
}

/* ===== CONTAINER ===== */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== BUTTONS ===== */
.btn-primary {
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s ease;
  letter-spacing: .01em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.btn-primary:hover { background: var(--navy-light); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-primary:active { transform: translateY(0); }
.btn-primary:disabled { opacity: .5; cursor: not-allowed; transform: none; box-shadow: none; }

.btn-teal {
  background: var(--teal);
  color: var(--white);
  border: none;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s ease;
}
.btn-teal:hover { background: var(--teal-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }

.btn-white {
  background: var(--white);
  color: var(--navy);
  border: none;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s ease;
}
.btn-white:hover { background: #f0fdff; transform: translateY(-1px); box-shadow: var(--shadow-md); }

.btn-full { width: 100%; justify-content: center; padding: 16px; font-size: 16px; margin-top: 8px; }

/* ===== PHONE STRIP ===== */
.phone-strip {
  background: #0a1628;
  padding: 11px 24px;
  text-align: center;
}
.phone-strip-text {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.01em;
}
.phone-strip-number {
  color: #5eead4;
  font-weight: 700;
  text-decoration: none;
  margin-left: 3px;
}
.phone-strip-number:hover { text-decoration: underline; }

/* ===== NAVBAR ===== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}

.nav-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-icon { font-size: 28px; line-height: 1; }
.logo-icon-sm { font-size: 22px; }
.nav-logo-img {
  height: 38px;
  width: 38px;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
.logo-text {
  font-size: 20px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -.02em;
}
.logo-ns { color: var(--teal); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav-links a {
  text-decoration: none;
  color: var(--gray-600);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: all .15s ease;
}
.nav-links a:hover { color: var(--navy); background: var(--gray-100); }

.nav-cta { margin-left: auto; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .2s ease;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, #f0fdff 0%, #e0f7fa 40%, #f8fafc 100%);
  padding: 80px 0 60px;
  overflow: hidden;
  position: relative;
}.hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(8,145,178,.08) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-full);
  padding: 6px 16px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gray-600);
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}
.star { color: #f59e0b; }
.badge-check { color: #0891b2; font-weight: 700; }

.hero-title {
  font-size: clamp(32px, 5vw, 54px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -.03em;
  color: var(--navy);
  margin-bottom: 16px;
}

.hero-subtitle {
  font-size: 17px;
  color: var(--gray-600);
  margin-bottom: 32px;
  max-width: 480px;
  line-height: 1.7;
}

.hero-form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  margin-bottom: 32px;
}
.hero-form-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 12px;
}
.hero-form-row {
  display: flex;
  gap: 10px;
}
.hero-input {
  flex: 1;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-family: inherit;
  color: var(--gray-800);
  transition: border-color .15s ease;
  outline: none;
  text-transform: uppercase;
  letter-spacing: .05em;
}
.hero-input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(8,145,178,.1); }
.hero-btn { white-space: nowrap; }
.hero-form-note {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 10px;
  text-align: center;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 20px;
}
.stat { display: flex; flex-direction: column; }
.stat strong { font-size: 22px; font-weight: 800; color: var(--navy); letter-spacing: -.02em; }
.stat span { font-size: 12px; color: var(--gray-400); font-weight: 500; }
.stat-divider { width: 1px; height: 36px; background: var(--gray-200); }

/* Hero Visual */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}
.panda-container {
  position: relative;
  width: 360px;
  height: 360px;
  display: flex;
  justify-content: center;
  align-items: center;
}
.panda-blob {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 60%, var(--teal-light) 0%, #c8edf5 50%, transparent 80%);
  border-radius: 50%;
}
.panda-card {
  position: relative;
  z-index: 2;
  background: var(--white);
  border-radius: 24px;
  padding: 32px 40px;
  box-shadow: var(--shadow-lg);
  text-align: center;
  border: 1px solid var(--gray-200);
}
.panda-emoji { font-size: 100px; line-height: 1; margin-bottom: 12px; animation: pandaBob 3s ease-in-out infinite; display:block; }
.panda-speech {
  background: var(--teal);
  color: white;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 600;
}

.floating-badge {
  position: absolute;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-full);
  padding: 8px 16px;
  font-size: 12px;
  font-weight: 700;
  box-shadow: var(--shadow-md);
  white-space: nowrap;
}
.badge-1 { top: 40px; right: 0; color: var(--teal-dark); background: var(--teal-xlight); border-color: #b2ebf2; animation: floatUp 4s ease-in-out infinite; }
.badge-2 { bottom: 70px; left: 0; color: #16a34a; background: #f0fdf4; border-color: #bbf7d0; animation: floatUp 4s ease-in-out infinite 1s; }

@keyframes pandaBob {
  0%, 100% { transform: translateY(0) rotate(-2deg); }
  50% { transform: translateY(-8px) rotate(2deg); }
}
@keyframes floatUp {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}

/* ===== SECTIONS ===== */
.section-white { padding: 80px 0; background: var(--white); }
.section-teal-light { padding: 80px 0; background: var(--teal-xlight); }
.section-navy { padding: 80px 0; background: var(--navy); }
.section-cta { padding: 80px 0; background: linear-gradient(135deg, var(--teal-dark), var(--navy)); color: white; }
.section-cta h2 { color: white; font-size: clamp(24px, 4vw, 40px); font-weight: 800; margin-bottom: 12px; }
.section-cta p { color: rgba(255,255,255,.8); font-size: 17px; margin-bottom: 32px; }

.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { font-size: clamp(26px, 4vw, 40px); font-weight: 800; color: var(--navy); letter-spacing: -.02em; margin-bottom: 12px; }
.section-header p { font-size: 16px; color: var(--gray-600); }
.section-header.light h2 { color: var(--white); }
.section-header.light p { color: rgba(255,255,255,.7); }

/* ===== INSURANCE TYPE CARDS ===== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.cards-grid-2 {
  grid-template-columns: repeat(2, 1fr);
  max-width: 720px;
  margin: 0 auto;
}

/* ===== TYPE SELECTION CARDS ===== */
.type-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 32px;
}
.type-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
}
.type-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.type-card.selected {
  border-color: var(--teal);
  background: var(--teal-xlight);
  box-shadow: 0 0 0 1px var(--teal);
}
/* 3-card ownership row */
.qa-ownership-cards { grid-template-columns: repeat(3, 1fr) !important; }
.qa-ownership-cards .type-card { padding: 20px 12px; text-align: center; }
.qa-ownership-cards .type-card-icon { font-size: 36px; margin-bottom: 8px; }
.qa-ownership-cards .type-card h3 { font-size: 16px; }
.type-card-icon { font-size: 52px; margin-bottom: 14px; }
.type-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.type-card p  { font-size: 14px; color: var(--gray-500); }
.ins-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px 28px;
  cursor: pointer;
  transition: all .2s ease;
  position: relative;
  overflow: hidden;
}
.ins-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--teal), var(--teal-dark));
  transform: scaleX(0);
  transition: transform .2s ease;
}
.ins-card:hover::before { transform: scaleX(1); }
.ins-card:hover { border-color: var(--teal); transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.ins-card-icon { font-size: 48px; margin-bottom: 16px; }
.ins-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.ins-card p { font-size: 14px; color: var(--gray-600); margin-bottom: 16px; line-height: 1.6; }
.card-link { font-size: 14px; font-weight: 600; color: var(--teal); }

/* ===== TRUST SECTION ===== */
.trust-box {
  display: flex;
  gap: 32px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border-left: 5px solid var(--teal);
  align-items: flex-start;
}
.trust-icon { font-size: 48px; flex-shrink: 0; }
.trust-content h2 { font-size: clamp(22px, 3vw, 28px); font-weight: 800; color: var(--navy); margin-bottom: 12px; letter-spacing: -.02em; }
.trust-content p { color: var(--gray-600); font-size: 16px; line-height: 1.7; margin-bottom: 20px; }
.trust-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.trust-badge {
  background: var(--teal-xlight);
  color: var(--teal-dark);
  border: 1px solid #b2ebf2;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 600;
}

/* ===== PARTNERS ===== */
.partners-label {
  text-align: center;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  color: var(--gray-400);
  margin-bottom: 32px;
}
.partners-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.partners-grid-7 {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
}
.partners-grid-7 .partner-logo-box {
  flex: 0 0 180px;
}
.partner-logo-box {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 20px 16px;
  height: 80px;
  transition: all .15s ease;
}
.partner-logo-box:hover { border-color: var(--teal); background: var(--teal-xlight); box-shadow: var(--shadow-sm); }
.partner-logo-box img { max-height: 36px; max-width: 110px; object-fit: contain; filter: grayscale(1) opacity(.7); transition: filter .2s ease; }
.partner-logo-box:hover img { filter: grayscale(0) opacity(1); }
.partner-name-text {
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  line-height: 1.3;
  opacity: 0.7;
}
.partner-logo-box:hover .partner-name-text { opacity: 1; }
.logo-fallback {
  font-size: 13px;
  font-weight: 700;
  color: var(--gray-600);
  display: none;
  align-items: center;
  justify-content: center;
  text-align: center;
}

/* ===== HOW IT WORKS ===== */
.steps-grid {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 40px;
}
.step-card {
  flex: 1;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
}
.step-num {
  width: 48px; height: 48px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  color: white;
  margin: 0 auto 16px;
}
.step-card h3 { font-size: 18px; font-weight: 700; color: white; margin-bottom: 10px; }
.step-card p { font-size: 14px; color: rgba(255,255,255,.65); line-height: 1.6; }
.step-arrow { font-size: 24px; color: rgba(255,255,255,.3); flex-shrink: 0; }
.steps-cta { text-align: center; }

/* ===== SPLIT SECTION ===== */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.panda-save-card {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 40px;
  text-align: center;
  color: white;
  box-shadow: var(--shadow-lg);
}
.save-emoji { font-size: 64px; margin-bottom: 24px; }
.save-lines { display: flex; flex-direction: column; gap: 8px; }
.save-line { font-size: 16px; }
.save-line.old { color: rgba(255,255,255,.5); }
.save-line.new { font-size: 22px; color: white; }
.save-badge {
  margin-top: 12px;
  background: var(--teal);
  color: white;
  padding: 10px 20px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 15px;
  display: inline-block;
}

.split-content h2 { font-size: clamp(26px, 3.5vw, 36px); font-weight: 800; color: var(--navy); letter-spacing: -.02em; margin-bottom: 16px; }
.split-content p { color: var(--gray-600); font-size: 16px; line-height: 1.7; margin-bottom: 20px; }
.benefit-list { list-style: none; margin-bottom: 28px; display: flex; flex-direction: column; gap: 10px; }
.benefit-list li { font-size: 15px; font-weight: 500; color: var(--gray-700, #374151); }

/* ===== FOOTER ===== */
.footer { background: var(--gray-50); padding: 60px 0 0; border-top: 1px solid var(--gray-200); }
.footer-grid { display: grid; grid-template-columns: 2fr 1.5fr 1.5fr; gap: 48px; margin-bottom: 48px; }
.footer-logo { display: flex; align-items: center; gap: 8px; font-size: 18px; font-weight: 800; color: var(--navy); margin-bottom: 14px; }
.footer-desc { font-size: 14px; color: var(--gray-600); line-height: 1.7; margin-bottom: 20px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 12px; }
.footer-links a { font-size: 13px; color: var(--gray-400); text-decoration: none; }
.footer-links a:hover { color: var(--teal); }
.footer-col h4 { font-size: 13px; font-weight: 700; color: var(--navy); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 16px; }
.footer-contact p { font-size: 14px; color: var(--gray-600); margin-bottom: 8px; }
.footer-note { font-size: 12px; color: var(--gray-400); margin-top: 12px; line-height: 1.6; }
.social-links { display: flex; gap: 10px; margin-bottom: 24px; }
.social-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-600);
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  font-size: 13px;
  font-weight: 700;
  transition: all .15s ease;
}
.social-btn:hover { background: var(--teal); color: white; }
.footer-ins-types { display: flex; flex-direction: column; gap: 8px; }
.footer-ins-types a { font-size: 14px; color: var(--gray-600); text-decoration: none; }
.footer-ins-types a:hover { color: var(--teal); }
.footer-bottom { border-top: 1px solid var(--gray-200); padding: 20px 0; text-align: center; }
.footer-bottom p { font-size: 13px; color: var(--gray-400); }

/* ===== QUOTE PAGE ===== */
.quote-page {
  min-height: 100vh;
  background: var(--gray-50);
}

.quote-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 64px;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 100;
}
.quote-back-btn {
  background: none;
  border: none;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-600);
  cursor: pointer;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: all .15s ease;
  font-family: inherit;
}
.quote-back-btn:hover { background: var(--gray-100); color: var(--navy); }
.quote-progress-text { font-size: 13px; color: var(--gray-400); font-weight: 600; }

.progress-bar-wrap { height: 4px; background: var(--gray-200); }
.progress-bar { height: 100%; background: linear-gradient(90deg, var(--teal), var(--teal-dark)); border-radius: 0 2px 2px 0; transition: width .4s ease; }

.quote-container {
  max-width: 560px;
  margin: 0 auto;
  padding: 40px 24px 80px;
}

.quote-step { }

.step-header { margin-bottom: 32px; }
.step-header .step-icon { font-size: 40px; margin-bottom: 12px; }
.step-header h2 { font-size: clamp(22px, 4vw, 30px); font-weight: 800; color: var(--navy); letter-spacing: -.02em; margin-bottom: 8px; }
.step-header p { font-size: 15px; color: var(--gray-600); }

.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 14px; font-weight: 600; color: var(--gray-800); margin-bottom: 8px; }
.form-input {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-family: inherit;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color .15s ease;
  outline: none;
  -webkit-appearance: none;
}
.form-input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(8,145,178,.1); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row-3 { grid-template-columns: 1fr 1fr 1fr !important; }
.sub-label { font-size: 12px; color: var(--gray-600); font-weight: 600; margin-bottom: 4px; display: block; }
.field-hint { font-size: 12px; color: var(--gray-400); margin-top: 6px; display: block; }

/* Radio Group */
.radio-group { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-option {
  flex: 1;
  min-width: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-600);
  background: var(--white);
  transition: all .15s ease;
  user-select: none;
}
.radio-option input { display: none; }
.radio-option:hover { border-color: var(--teal); color: var(--teal-dark); background: var(--teal-xlight); }
.radio-option.selected { border-color: var(--teal); background: var(--teal-xlight); color: var(--teal-dark); box-shadow: 0 0 0 1px var(--teal); }

/* Coverage Cards */
.coverage-cards { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.coverage-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px;
  cursor: pointer;
  transition: all .15s ease;
  position: relative;
}
.coverage-card:hover { border-color: var(--teal); background: var(--teal-xlight); }
.coverage-card.selected { border-color: var(--teal); background: var(--teal-xlight); box-shadow: 0 0 0 1px var(--teal); }
.coverage-card.selected::after { content: '✓'; position: absolute; top: 16px; right: 16px; width: 24px; height: 24px; background: var(--teal); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 700; }
.coverage-icon { font-size: 32px; margin-bottom: 10px; }
.coverage-card h3 { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.coverage-card p { font-size: 14px; color: var(--gray-600); margin-bottom: 12px; }
.coverage-tag { display: inline-block; background: var(--navy); color: white; font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: var(--radius-full); }

/* Y/N Questions */
.yn-group { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.yn-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  gap: 16px;
}
.yn-question span { font-size: 14px; font-weight: 500; color: var(--gray-800); flex: 1; }
.yn-btns { display: flex; gap: 8px; flex-shrink: 0; }
.yn-btn {
  padding: 7px 20px;
  border-radius: var(--radius-full);
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  color: var(--gray-600);
  font-family: inherit;
  transition: all .15s ease;
}
.yn-btn:hover { border-color: var(--teal); color: var(--teal-dark); }
.yn-btn.selected-yes { background: #fef2f2; border-color: #f87171; color: #b91c1c; }
.yn-btn.selected-no { background: #f0fdf4; border-color: #4ade80; color: #15803d; }

/* Privacy Note */
.privacy-note {
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 13px;
  color: #15803d;
  margin-bottom: 8px;
}

/* Calculating Screen */
.calculating-screen { text-align: center; padding: 40px 0; }
.calc-panda { font-size: 80px; margin-bottom: 16px; animation: pandaBob 1.5s ease-in-out infinite; display:flex; justify-content:center; }
.spinner {
  width: 48px; height: 48px;
  border: 4px solid var(--gray-200);
  border-top-color: var(--teal);
  border-radius: 50%;
  animation: spin 1s linear infinite;
  margin: 0 auto 24px;
}
@keyframes spin { to { transform: rotate(360deg); } }
.calculating-screen h2 { font-size: 26px; font-weight: 800; color: var(--navy); margin-bottom: 10px; }
.calculating-screen p { color: var(--gray-600); font-size: 15px; margin-bottom: 32px; }
.calc-steps { display: flex; flex-direction: column; gap: 10px; text-align: left; max-width: 280px; margin: 0 auto; }
.calc-step {
  font-size: 14px;
  color: var(--gray-400);
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  background: var(--gray-100);
  font-weight: 500;
  transition: all .3s ease;
}
.calc-step.active { background: var(--teal-xlight); color: var(--teal-dark); font-weight: 600; }
.calc-step.done { background: #f0fdf4; color: #15803d; }

/* Agreement Screen */
.agreement-box { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.agreement-item {
  display: flex;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 18px;
  align-items: flex-start;
}
.agree-icon { font-size: 22px; flex-shrink: 0; }
.agreement-item strong { display: block; font-size: 15px; color: var(--navy); margin-bottom: 4px; }
.agreement-item p { font-size: 13px; color: var(--gray-600); line-height: 1.5; }

.agree-check { margin-bottom: 20px; }
.checkbox-label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.checkbox-label input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; cursor: pointer; accent-color: var(--teal); }
.checkbox-label span { font-size: 14px; color: var(--gray-600); line-height: 1.5; }

/* Result Screen */
.result-screen { padding: 20px 0; }
.result-icon { font-size: 72px; text-align: center; margin-bottom: 20px; }
.result-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  text-align: center;
}
.result-card h2 { font-size: clamp(20px, 3vw, 26px); font-weight: 800; color: var(--navy); margin-bottom: 12px; letter-spacing: -.02em; }
.result-card p { font-size: 15px; color: var(--gray-600); line-height: 1.7; margin-bottom: 20px; }
.result-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: var(--radius-full);
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 24px;
}
.result-badge.new-driver { background: #fef3c7; color: #92400e; border: 1px solid #fde68a; }
.result-badge.processing { background: #ede9fe; color: #5b21b6; border: 1px solid #c4b5fd; }
.result-badge.broker { background: var(--teal-xlight); color: var(--teal-dark); border: 1px solid #b2ebf2; }

.result-steps { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; text-align: left; }
.result-step-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
}
.result-step-num {
  width: 28px; height: 28px;
  background: var(--teal);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  flex-shrink: 0;
}
.result-step-item span { font-size: 14px; color: var(--gray-600); line-height: 1.5; }

.result-contact { margin-top: 28px; padding: 20px; background: var(--gray-50); border-radius: var(--radius-sm); font-size: 14px; color: var(--gray-600); }
.result-contact strong { color: var(--navy); }

/* ===== MOBILE ===== */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .hero-visual { display: none; }
  .cards-grid, .cards-grid-2 { grid-template-columns: 1fr; gap: 16px; }
  .type-cards { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
  .steps-grid { flex-direction: column; }
  .step-arrow { transform: rotate(90deg); }
  .split-section { grid-template-columns: 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .trust-box { flex-direction: column; gap: 16px; }
  .nav-links { display: none; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: white; padding: 16px 24px; border-bottom: 1px solid var(--gray-200); box-shadow: var(--shadow-md); }
  .nav-links.open { display: flex; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-inner { position: relative; }
}

@media (max-width: 600px) {
  .hero { padding: 48px 0 40px; }
  .section-white, .section-teal-light, .section-navy, .section-cta { padding: 56px 0; }
  .hero-form-row { flex-direction: column; }
  .hero-btn { width: 100%; justify-content: center; }
  .hero-stats { gap: 12px; }
  .stat strong { font-size: 18px; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .form-row, .form-row-3 { grid-template-columns: 1fr !important; }
  .qa-ownership-cards { grid-template-columns: repeat(3, 1fr) !important; }
  .panda-save-card { padding: 28px; }
  .yn-question { flex-direction: column; align-items: flex-start; gap: 10px; }
  .quote-container { padding: 24px 16px 60px; }
  .result-card { padding: 24px; }
}

/* ===== MARQUEE LOGO BANNER ===== */
.partners-section {
  padding: 40px 0 20px;
  overflow: hidden;
}
.partners-section .partners-label {
  text-align: center;
  margin-bottom: 24px;
}
.marquee-wrapper {
  overflow: hidden;
  position: relative;
  width: 100%;
}
.marquee-wrapper::before,
.marquee-wrapper::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.marquee-wrapper::before { left: 0;  background: linear-gradient(to right, var(--white), transparent); }
.marquee-wrapper::after  { right: 0; background: linear-gradient(to left,  var(--white), transparent); }
.marquee-track {
  display: flex;
  align-items: center;
  gap: 0;
  width: max-content;
  animation: marquee-scroll 28s linear infinite;
}
.marquee-track:hover { animation-play-state: paused; }
.marquee-track .partner-logo-box {
  width: 160px;
  flex-shrink: 0;
  border: none;
  background: transparent;
  margin: 0 8px;
}
@keyframes marquee-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.partners-sub {
  text-align: center;
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 20px;
  letter-spacing: 0.02em;
}

/* ===== FAQ SECTION ===== */
.faq-section { padding: 80px 0; }
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 60px;
  align-items: start;
}
.faq-intro h2 { font-size: 32px; line-height: 1.25; margin-bottom: 16px; }
.faq-intro p  { font-size: 15px; color: var(--gray-600); line-height: 1.6; margin-bottom: 24px; }
.faq-cta-btn  { font-size: 14px; padding: 12px 24px; }
.faq-divider  { height: 1px; background: var(--gray-200); margin: 64px 0; }
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
  line-height: 1.4;
}
.faq-q:hover { color: var(--teal); }
.faq-icon {
  font-size: 20px;
  font-weight: 400;
  color: var(--teal);
  flex-shrink: 0;
  transition: transform 0.2s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}
.faq-item.open .faq-a { max-height: 300px; padding-bottom: 16px; }
.faq-a p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.65;
}
@media (max-width: 768px) {
  .faq-layout { grid-template-columns: 1fr; gap: 32px; }
  .faq-intro h2 { font-size: 26px; }
  .marquee-track .partner-logo-box { width: 130px; }
}

/* ===== TRUST SEALS STRIP ===== */
.trust-seals-strip {
  background: var(--white);
  padding: 32px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}
.trust-seals-label {
  text-align: center;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--gray-400);
  text-transform: uppercase;
  margin-bottom: 20px;
}
.trust-seals-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px 32px;
}
.trust-seal {
  display: flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
  color: inherit;
  padding: 10px 16px;
  border-radius: 10px;
  border: 1px solid var(--gray-200);
  background: var(--gray-50);
  transition: border-color .2s, box-shadow .2s;
  min-width: 190px;
}
.trust-seal:hover {
  border-color: var(--teal);
  box-shadow: 0 2px 10px rgba(8,145,178,.1);
}
.seal-icon {
  flex-shrink: 0;
}
.seal-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.seal-text strong {
  font-size: 13px;
  color: var(--navy);
  font-weight: 700;
}
.seal-text span {
  font-size: 11px;
  color: var(--gray-600);
}
@media (max-width: 600px) {
  .trust-seals-grid { gap: 10px; }
  .trust-seal { min-width: 145px; padding: 8px 12px; }
  .seal-text strong { font-size: 12px; }
}

/* ===== SAVE BIG! SAVINGS CAROUSEL ===== */
.savings-section {
  background: var(--gray-50);
  padding: 72px 0 60px;
  border-top: 1px solid var(--gray-200);
}
.savings-header {
  text-align: center;
  margin-bottom: 40px;
}
.savings-header h2 {
  font-size: clamp(28px, 4vw, 44px);
  color: var(--navy);
  margin-bottom: 10px;
}
.savings-header h2 strong {
  font-style: italic;
  color: var(--teal);
}
.savings-header p {
  color: var(--gray-600);
  font-size: 15px;
}
.savings-carousel-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
  max-width: 820px;
  margin: 0 auto;
}
.savings-slider {
  flex: 1;
  overflow: hidden;
  position: relative;
  min-height: 220px;
}
.savings-slide {
  display: none;
  animation: fadeSlide 0.35s ease;
}
.savings-slide.active {
  display: block;
}
@keyframes fadeSlide {
  from { opacity: 0; transform: translateX(24px); }
  to   { opacity: 1; transform: translateX(0); }
}
.savings-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: rgba(0,0,0,0.18) 0 10px 30px -4px;
  padding: 28px 32px;
}
.savings-card-top {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
}
.savings-icon {
  font-size: 36px;
  line-height: 1;
}
.savings-customer {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.savings-customer strong {
  font-size: 17px;
  color: var(--navy);
}
.savings-customer span {
  font-size: 13px;
  color: var(--gray-600);
}
.savings-table {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.savings-row {
  display: grid;
  grid-template-columns: 2fr 1.2fr 1.2fr 1.2fr;
  gap: 8px;
  align-items: center;
  font-size: 14px;
}
.savings-row.label-row {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray-400);
  padding-bottom: 6px;
  border-bottom: 1px solid var(--gray-200);
}
.old-rate {
  color: #999;
  font-size: 15px;
}
.new-rate {
  color: #1e2833;
  font-weight: 700;
  font-size: 16px;
}
.saved-label {
  color: var(--teal-dark);
  font-weight: 700;
}
.saved-amount {
  color: var(--teal-dark);
  font-weight: 800;
  font-size: 15px;
}
.saved-amount em {
  font-style: normal;
  background: var(--teal-light);
  color: var(--teal-dark);
  padding: 1px 6px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  margin-left: 4px;
}
.savings-arrow {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: 50%;
  width: 44px;
  height: 44px;
  font-size: 20px;
  cursor: pointer;
  color: var(--navy);
  flex-shrink: 0;
  transition: all .2s;
  display: flex; align-items: center; justify-content: center;
}
.savings-arrow:hover {
  border-color: var(--teal);
  color: var(--teal);
}
.savings-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 20px;
}
.savings-dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--gray-200);
  cursor: pointer;
  transition: background .2s;
}
.savings-dot.active {
  background: var(--teal);
}

/* ===== TRUST CTA BANNER ===== */
.trust-cta-section {
  background: var(--teal-light);
  padding: 56px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}
.trust-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-cta-text h2 {
  font-size: clamp(26px, 3.5vw, 40px);
  color: var(--navy);
  margin-bottom: 10px;
}
.trust-cta-text h2 strong {
  color: var(--teal-dark);
}
.trust-cta-text p {
  color: var(--gray-600);
  font-size: 16px;
  max-width: 560px;
}
.trust-cta-btn {
  white-space: nowrap;
  font-size: 17px;
  padding: 14px 32px;
  flex-shrink: 0;
}

/* ===== FLOATING CALL WIDGET ===== */
.float-widget {
  position: fixed;
  bottom: 28px;
  right: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  z-index: 9999;
}
.float-btn {
  display: flex;
  align-items: center;
  gap: 9px;
  padding: 11px 18px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  text-decoration: none;
  box-shadow: 0 4px 18px rgba(0,0,0,.22);
  transition: transform .2s, box-shadow .2s;
  color: #fff;
}
.float-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,0,0,.28);
}
.float-call {
  background: #1e2833;
}
.float-quote {
  background: var(--teal);
}
.float-icon {
  font-size: 17px;
}
.float-label {
  font-size: 13px;
}

/* ===== FOOTER NAV ROW ===== */
.footer-nav-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 28px;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,.1);
  margin-bottom: 16px;
}
.footer-nav-row a {
  color: rgba(255,255,255,.6);
  font-size: 13px;
  text-decoration: none;
  transition: color .2s;
}
.footer-nav-row a:hover {
  color: var(--teal);
}

/* Mobile adjustments for new sections */
@media (max-width: 600px) {
  .savings-row { grid-template-columns: 1fr 1fr; gap: 6px; }
  .savings-row.label-row { display: none; }
  .savings-card { padding: 20px; }
  .trust-cta-inner { flex-direction: column; text-align: center; }
  .trust-cta-btn { width: 100%; }
  .savings-carousel-wrap { gap: 8px; }
  .savings-arrow { width: 36px; height: 36px; font-size: 16px; }
  .float-widget { bottom: 16px; right: 14px; gap: 7px; }
  .float-btn { padding: 9px 14px; }
}