/* ==========================================
   Insurance Coverage Hub INSURANCE - DESIGN SYSTEM & CSS
   ========================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Outfit:wght@500;600;700;800&display=swap');

:root {
    --primary: #1B6B3A;
    --primary-dark: #134D2A;
    --primary-light: #E8F5EE;
    --secondary: #0D2818;
    --accent: #D4A017;
    --accent-hover: #B8880F;
    --text-main: #1A2E1F;
    --text-muted: #5A7060;
    --text-light: #8FA896;
    --bg-light: #F4FAF6;
    --bg-card: #FFFFFF;
    --border-color: #D6E8DC;
    
    --shadow-sm: 0 2px 4px rgba(13, 40, 24, 0.05);
    --shadow-md: 0 6px 16px rgba(13, 40, 24, 0.09);
    --shadow-lg: 0 12px 32px rgba(13, 40, 24, 0.13);
    --shadow-hover: 0 20px 40px rgba(27, 107, 58, 0.18);
    
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 18px;
    --radius-full: 9999px;
    
    --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* --- Global Resets & Base Styles --- */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

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

[id] {
    scroll-margin-top: 100px;
}

body {
    font-family: var(--font-body);
    color: var(--text-main);
    background-color: #FFFFFF;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

a {
    color: var(--primary);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--primary-dark);
}

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

ul {
    list-style: none;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--secondary);
    line-height: 1.25;
    font-weight: 700;
}

/* --- Container & Grid Layout --- */
.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.section-padding {
    padding: 5rem 0;
}

@media (max-width: 768px) {
    .top-bar {
        display: none !important;
    }
}
@media (max-width: 768px) {
    .section-padding {
        padding: 3.5rem 0;
    }
}

/* --- Buttons & CTAs --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.6rem;
    padding: 0.85rem 1.8rem;
    font-family: var(--font-body);
    font-weight: 600;
    font-size: 1rem;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    text-align: center;
}

.btn-primary {
    background-color: var(--primary);
    color: #FFFFFF !important;
    box-shadow: 0 4px 14px rgba(27, 107, 58, 0.35);
}

.btn-primary:hover {
    background-color: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(27, 107, 58, 0.45);
}

.btn-secondary {
    background-color: #FFFFFF;
    color: var(--secondary) !important;
    border-color: var(--border-color);
}

.btn-secondary:hover {
    border-color: var(--primary);
    color: var(--primary) !important;
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

.btn-accent {
    background-color: var(--accent);
    color: #FFFFFF !important;
    box-shadow: 0 4px 14px rgba(212, 160, 23, 0.35);
}

.btn-accent:hover {
    background-color: var(--accent-hover);
    transform: translateY(-2px);
}

.btn-sm {
    padding: 0.5rem 1.25rem;
    font-size: 0.9rem;
    border-radius: var(--radius-sm);
}

.btn-lg {
    padding: 1.1rem 2.2rem;
    font-size: 1.1rem;
}

/* --- Header & Navigation --- */
.top-bar {
    background-color: var(--secondary);
    color: #A8C4B0;
    font-size: 0.875rem;
    padding: 0.5rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-bar-info {
    display: flex;
    gap: 1.5rem;
    align-items: center;
}

.top-bar-info item {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.site-header {
    background-color: #FFFFFF;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.navbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--secondary);
}

.logo svg {
    width: 38px;
    height: 38px;
    color: var(--primary);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-link {
    font-weight: 500;
    color: var(--text-main);
    padding: 0.5rem 0;
    position: relative;
}

.nav-link:hover, .nav-link.active {
    color: var(--primary);
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background-color: var(--primary);
    border-radius: 2px;
}

.header-cta {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.phone-cta-btn {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 700;
    color: var(--primary);
    background-color: var(--primary-light);
    padding: 0.6rem 1.2rem;
    border-radius: var(--radius-full);
}

.phone-cta-btn:hover {
    background-color: var(--primary);
    color: #FFFFFF !important;
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
    color: var(--secondary);
}

/* --- Hero Section --- */
.hero-section {
    background: linear-gradient(135deg, #0D2818 0%, #1B5E35 60%, #236B40 100%);
    color: #FFFFFF;
    position: relative;
    padding: 5rem 0 6rem;
    overflow: hidden;
}

.hero-section::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(212, 160, 23, 0.12) 0%, rgba(0, 0, 0, 0) 70%);
    border-radius: 50%;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3rem;
    align-items: center;
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    padding: 0.4rem 1rem;
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    color: #F5C842;
    margin-bottom: 1.5rem;
    border: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-title {
    font-size: 3.25rem;
    font-weight: 800;
    color: #FFFFFF;
    line-height: 1.15;
    margin-bottom: 1.25rem;
    letter-spacing: -0.02em;
}

.hero-title span {
    color: #F5C842;
    background: linear-gradient(135deg, #F5C842 0%, #D4A017 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero-subtitle {
    font-size: 1.2rem;
    color: #B8D4C0;
    margin-bottom: 2rem;
    max-width: 600px;
    font-weight: 400;
}

.hero-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-bottom: 2.5rem;
}

.hero-features {
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-feature-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.9rem;
    color: #D4EAD9;
}

.hero-feature-item svg {
    color: var(--accent);
    flex-shrink: 0;
}

.hero-card-preview {
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
}

.hero-card-header {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    color: #FFFFFF;
}

/* --- Section Headers --- */
.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 3.5rem;
}

.badge-tag {
    display: inline-block;
    padding: 0.35rem 0.9rem;
    background-color: var(--primary-light);
    color: var(--primary);
    font-size: 0.825rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    border-radius: var(--radius-full);
    margin-bottom: 0.75rem;
    border: 1px solid rgba(27, 107, 58, 0.2);
}

.section-title {
    font-size: 2.35rem;
    margin-bottom: 1rem;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--text-muted);
}

/* --- Trust Badges Row --- */
.trust-badges-wrapper {
    margin-top: -3rem;
    position: relative;
    z-index: 10;
}

.trust-badges-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.trust-badge-card {
    background: #FFFFFF;
    border-radius: var(--radius-md);
    padding: 1.75rem;
    display: flex;
    align-items: center;
    gap: 1.25rem;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
    transition: var(--transition);
}

.trust-badge-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary-light);
}

.trust-badge-icon {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    background: linear-gradient(135deg, var(--primary-light) 0%, #C8E6D0 100%);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.trust-badge-icon svg {
    width: 28px;
    height: 28px;
}

.trust-badge-content h4 {
    font-size: 1.1rem;
    margin-bottom: 0.25rem;
}

.trust-badge-content p {
    font-size: 0.875rem;
    color: var(--text-muted);
}

/* --- Insurance Categories Grid --- */
.categories-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.category-card {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 2rem;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    height: 100%;
}

.category-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-hover);
    border-color: var(--primary);
}

.category-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-light) 0%, #C8E6D0 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    margin-bottom: 1.5rem;
}

.category-icon svg {
    width: 32px;
    height: 32px;
}

.category-card h3 {
    font-size: 1.35rem;
    margin-bottom: 0.75rem;
}

.category-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.category-link {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--primary);
}

.category-link:hover {
    gap: 0.7rem;
}

/* --- 3-Step Process Section --- */
.process-section {
    background-color: var(--bg-light);
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    position: relative;
}

.process-card {
    background: #FFFFFF;
    padding: 2.25rem;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color);
    position: relative;
    box-shadow: var(--shadow-sm);
}

.step-number {
    position: absolute;
    top: 1.5rem;
    right: 1.5rem;
    font-family: var(--font-heading);
    font-size: 2.5rem;
    font-weight: 800;
    color: #E2E8F0;
    line-height: 1;
}

.process-icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: #FFFFFF;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.process-card h3 {
    font-size: 1.25rem;
    margin-bottom: 0.75rem;
}

.process-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
}

/* --- About Snippet Section --- */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.about-images-wrapper {
    position: relative;
}

.about-img-main {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    width: 100%;
    height: 380px;
    object-fit: cover;
    background-color: #E2E8F0;
}

.about-experience-badge {
    position: absolute;
    bottom: -1.5rem;
    right: -1.5rem;
    background: linear-gradient(135deg, var(--secondary) 0%, #1B5E35 100%);
    color: #FFFFFF;
    padding: 1.5rem 2rem;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    text-align: center;
}

.about-experience-badge .years {
    font-family: var(--font-heading);
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--accent);
    line-height: 1;
}

.about-experience-badge .text {
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.about-content h2 {
    font-size: 2.25rem;
    margin-bottom: 1.25rem;
}

.about-content p {
    color: var(--text-muted);
    margin-bottom: 1.25rem;
    font-size: 1.05rem;
}

.about-checklist {
    margin: 1.5rem 0 2rem;
}

.about-checklist li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--text-main);
}

.about-checklist svg {
    color: var(--accent);
    flex-shrink: 0;
}

/* --- Bundle & Save Banner --- */
.bundle-banner {
    background: linear-gradient(135deg, var(--secondary) 0%, var(--primary) 100%);
    border-radius: var(--radius-lg);
    padding: 3.5rem;
    color: #FFFFFF;
    display: grid;
    grid-template-columns: 1.3fr 0.7fr;
    gap: 2rem;
    align-items: center;
    box-shadow: var(--shadow-lg);
}

.bundle-banner h2 {
    color: #FFFFFF;
    font-size: 2.25rem;
    margin-bottom: 0.75rem;
}

.bundle-banner p {
    color: #C8E6D0;
    font-size: 1.1rem;
}

.bundle-action {
    text-align: right;
}

/* --- Why Choose Us Grid --- */
.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}

.feature-card {
    background-color: var(--bg-card);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    text-align: center;
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-light);
}

.feature-icon-wrapper {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--primary-light) 0%, #C8E6D0 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    color: var(--primary);
}

.feature-card h4 {
    font-size: 1.15rem;
    margin-bottom: 0.5rem;
}

.feature-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
}

/* --- Verified Review Embed Platform --- */
.review-platform-box {
    background-color: var(--bg-light);
    border-radius: var(--radius-lg);
    padding: 3rem 2rem;
    text-align: center;
    border: 1px solid var(--border-color);
}

.stars-rating {
    display: flex;
    justify-content: center;
    gap: 0.3rem;
    color: #D4A017;
    margin-bottom: 0.75rem;
}

.stars-rating svg {
    width: 24px;
    height: 24px;
    fill: currentColor;
}

.review-badge-text {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--secondary);
    margin-bottom: 0.25rem;
}

.review-badge-subtext {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
}

/* --- Final CTA --- */
.final-cta-section {
    background: linear-gradient(135deg, var(--secondary) 0%, #1B5E35 100%);
    color: #FFFFFF;
    text-align: center;
    padding: 5rem 0;
}

.final-cta-section h2 {
    color: #FFFFFF;
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.final-cta-section p {
    color: #A8C4B0;
    font-size: 1.15rem;
    max-width: 600px;
    margin: 0 auto 2.25rem;
}

.final-cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1.25rem;
    flex-wrap: wrap;
}

/* --- Contact & Form Page Layout --- */
.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 3rem;
}

.contact-info-card {
    background: linear-gradient(160deg, var(--secondary) 0%, #1B5E35 100%);
    color: #FFFFFF;
    padding: 2.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.contact-info-card h3 {
    color: #FFFFFF;
    font-size: 1.75rem;
    margin-bottom: 1rem;
}

.contact-info-card p {
    color: #A8C4B0;
    margin-bottom: 2rem;
}

.info-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.info-icon {
    width: 44px;
    height: 44px;
    background-color: rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #F5C842;
    flex-shrink: 0;
}

.info-details h5 {
    color: #FFFFFF;
    font-size: 1rem;
    margin-bottom: 0.2rem;
}

.info-details p, .info-details a {
    color: #94A3B8;
    font-size: 0.95rem;
}

.info-details a:hover {
    color: #F5C842;
}

.form-wrapper {
    background-color: #FFFFFF;
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.4rem;
    margin-bottom: 1.25rem;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-group label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--secondary);
}

.form-control {
    padding: 0.8rem 1rem;
    font-family: var(--font-body);
    font-size: 1rem;
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    outline: none;
    background-color: #FFFFFF;
    color: var(--text-main);
}

.form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(0, 86, 210, 0.1);
}

textarea.form-control {
    resize: vertical;
    min-height: 120px;
}

.alert {
    padding: 1rem 1.25rem;
    border-radius: var(--radius-sm);
    margin-bottom: 1.5rem;
    font-weight: 500;
}

.alert-success {
    background-color: #D1FAE5;
    color: #065F46;
    border: 1px solid #A7F3D0;
}

.alert-error {
    background-color: #FEE2E2;
    color: #991B1B;
    border: 1px solid #FECACA;
}

/* --- Legal Content Pages (Privacy, Terms, Refund) --- */
.legal-content {
    background-color: #FFFFFF;
    max-width: 900px;
    margin: 0 auto;
    line-height: 1.8;
}

.legal-content h2 {
    font-size: 1.6rem;
    margin: 2rem 0 1rem;

}

.legal-content p {
    color: var(--text-muted);
    margin-bottom: 1.25rem;
}

.legal-content ul {
    list-style: disc;
    margin-left: 1.5rem;
    margin-bottom: 1.25rem;
    color: var(--text-muted);
}

/* --- Page Header Banner --- */
.page-header-banner {
    background: linear-gradient(135deg, var(--secondary) 0%, #1B6B3A 100%);
    color: #FFFFFF;
    padding: 3.5rem 0;
    text-align: center;
}

.page-header-banner h1 {
    color: #FFFFFF;
    font-size: 2.75rem;
    margin-bottom: 0.5rem;
}

.breadcrumb {
    display: flex;
    justify-content: center;
    gap: 0.5rem;
    font-size: 0.9rem;
    color: #94A3B8;
}

.breadcrumb a {
    color: #F5C842;
}

/* --- Footer --- */
.site-footer {
    background-color: #060F09;
    color: #94A3B8;
    padding-top: 4rem;
    font-size: 0.925rem;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 3rem;
    padding-bottom: 3.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand .logo {
    color: #FFFFFF;
    margin-bottom: 1rem;
}

.footer-brand p {
    color: #4A6B52;
    margin-bottom: 1.5rem;
}

.footer-column h4 {
    color: #FFFFFF;
    font-size: 1.1rem;
    margin-bottom: 1.25rem;
}

.footer-links li {
    margin-bottom: 0.75rem;
}

.footer-links a {
    color: #7A9E82;
}

.footer-links a:hover {
    color: #F5C842;
}

.footer-bottom {
    padding: 2rem 0;
    text-align: center;
    font-size: 0.85rem;
    color: #4A6B52;
}

.footer-disclaimer {
    max-width: 1000px;
    margin: 0 auto 1rem;
    line-height: 1.5;
}

/* --- Responsive Styles --- */
@media (max-width: 1024px) {
    .categories-grid, .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .bundle-banner {
        grid-template-columns: 1fr;
        text-align: center;
    }
    .bundle-action {
        text-align: center;
    }
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .hero-grid, .about-grid, .contact-layout {
        grid-template-columns: 1fr;
    }
    .trust-badges-grid, .process-grid, .categories-grid, .features-grid {
        grid-template-columns: 1fr;
    }
    .hero-title {
        font-size: 2.25rem;
    }
    .nav-menu {
        position: fixed;
        top: 80px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 80px);
        background-color: #FFFFFF;
        flex-direction: column;
        justify-content: flex-start;
        padding: 2rem;
        gap: 1.5rem;
        transition: var(--transition);
        box-shadow: var(--shadow-lg);
    }
    .nav-menu.show {
        left: 0;
    }
    .mobile-toggle {
        display: block;
    }
    .header-cta .phone-cta-btn span {
        display: none;
    }
    .footer-grid {
        grid-template-columns: 1fr;
    }
    .form-grid {
        grid-template-columns: 1fr;
    }
    .form-group.full-width {
        grid-column: span 1;
    }
}

/* ==========================================
   PROMOTIONAL POPUP MODAL STYLES
   ========================================== */

.promo-modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background-color: rgba(10, 25, 47, 0.75);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 99999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.25rem;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.promo-modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.promo-modal-card {
    position: relative;
    background: #FFFFFF;
    width: 100%;
    max-width: 500px;
    border-radius: var(--radius-lg);
    box-shadow: 0 25px 50px -12px rgba(15, 23, 42, 0.3);
    border: 1px solid rgba(226, 232, 240, 0.8);
    overflow: hidden;
    transform: scale(0.92) translateY(20px);
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.promo-modal-overlay.active .promo-modal-card {
    transform: scale(1) translateY(0);
}

.promo-modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: #F1F5F9;
    border: none;
    color: #64748B;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: var(--transition);
    z-index: 10;
}

.promo-modal-close:hover {
    background: #E2E8F0;
    color: var(--secondary);
    transform: rotate(90deg);
}

.promo-modal-body {
    padding: 2.25rem 2rem 2rem 2rem;
    text-align: center;
}

.promo-modal-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: var(--primary-light);
    color: var(--primary);
    padding: 0.35rem 0.85rem;
    border-radius: var(--radius-full);
    font-size: 0.8125rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    margin-bottom: 1rem;
}

.promo-modal-headline {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--secondary);
    line-height: 1.3;
    margin-bottom: 0.6rem;
}

.promo-modal-subtext {
    font-size: 0.9375rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin-bottom: 1.5rem;
}

.promo-modal-phone-box {
    margin-bottom: 1.25rem;
}

.promo-modal-phone-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.6rem;
    width: 100%;
    padding: 0.875rem 1.25rem;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: #FFFFFF !important;
    font-weight: 700;
    font-size: 1rem;
    border-radius: var(--radius-md);
    box-shadow: 0 4px 14px rgba(27, 107, 58, 0.28);
    transition: var(--transition);
}

.promo-modal-phone-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(27, 107, 58, 0.4);
    color: #FFFFFF !important;
}

.promo-modal-divider {
    position: relative;
    text-align: center;
    margin: 1.25rem 0;
}

.promo-modal-divider::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 1px;
    background: var(--border-color);
    z-index: 1;
}

.promo-modal-divider span {
    position: relative;
    z-index: 2;
    background: #FFFFFF;
    padding: 0 0.75rem;
    font-size: 0.775rem;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 500;
}

.promo-modal-form {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.promo-form-group {
    width: 100%;
}

.promo-form-input {
    width: 100%;
    padding: 0.75rem 1rem;
    font-size: 0.9375rem;
    font-family: var(--font-body);
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-md);
    background-color: var(--bg-light);
    color: var(--text-main);
    transition: var(--transition);
    outline: none;
}

.promo-form-input:focus {
    border-color: var(--primary);
    background-color: #FFFFFF;
    box-shadow: 0 0 0 3px rgba(0, 86, 210, 0.12);
}

.promo-form-submit {
    width: 100%;
    padding: 0.85rem 1.25rem;
    font-size: 1rem;
    font-weight: 700;
    font-family: var(--font-heading);
    background: var(--accent);
    color: #FFFFFF;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 4px 14px rgba(212, 160, 23, 0.28);
    margin-top: 0.25rem;
}

.promo-form-submit:hover {
    background: var(--accent-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(212, 160, 23, 0.4);
}

.promo-modal-success {
    padding: 1.5rem 1rem;
    background: rgba(0, 184, 148, 0.08);
    border-radius: var(--radius-md);
    border: 1px solid rgba(0, 184, 148, 0.2);
    margin: 1rem 0;
}

.promo-modal-success p {
    color: #1B6B3A;
    font-weight: 600;
    font-size: 0.95rem;
    margin-top: 0.5rem;
}

.promo-modal-disclaimer {
    font-size: 0.775rem;
    color: var(--text-light);
    margin-top: 1.25rem;
    line-height: 1.4;
}

@media (max-width: 480px) {
    .promo-modal-body {
        padding: 2rem 1.25rem 1.5rem 1.25rem;
    }

    .promo-modal-headline {
        font-size: 1.25rem;
    }

    .promo-modal-close {
        top: 10px;
        right: 10px;
        width: 38px;
        height: 38px;
    }
}

/* Insurance cards responsive */
@media (max-width: 768px) {

    .category-card {
        grid-template-columns: 1fr !important;
        gap: 1.5rem !important;
        padding: 1.5rem !important;
    }

    .category-icon {
        width: 60px !important;
        height: 60px !important;
        margin-bottom: 1rem;
    }

    .category-card h3 {
        font-size: 1.25rem;
        margin-bottom: 0.6rem;
    }

    .category-card p {
        font-size: 0.9rem;
        line-height: 1.5;
    }

    .category-card .btn {
        width: 100%;
        text-align: center;
        margin-top: 0.75rem !important;
    }

    .category-card h4 {
        font-size: 1rem;
        margin-bottom: 0.75rem !important;
    }

    .about-checklist {
        padding-left: 0;
    }

    .about-checklist li {
        font-size: 0.9rem;
        line-height: 1.5;
        margin-bottom: 0.75rem;
    }
}