/* ============================================================
   Senior Choice Insurance Group — Redesigned Stylesheet
   Color System: Teal + Warm Gold
   ============================================================ */

/* ===== TOKENS ===== */
:root {
  --primary:       #4d878f;
  --primary-mid:   #3d6f76;
  --primary-light: #5e9da5;
  --primary-deep:  #2d5a61;
  --accent:        #d4a745;
  --accent-dark:   #b8912e;
  --accent-light:  #f0c85a;
  --white:         #FFFFFF;
  --off-white:     #f7fafa;
  --surface:       #eef5f6;
  --text:          #1a2c2e;
  --muted:         #4a6669;
  --border:        #d0e0e2;
  --success:       #16a34a;
  --radius-sm:     8px;
  --radius-md:     14px;
  --radius-lg:     20px;
  --radius-xl:     28px;
  --shadow-sm:     0 2px 8px rgba(77,135,143,.08);
  --shadow-md:     0 8px 28px rgba(77,135,143,.12);
  --shadow-lg:     0 20px 60px rgba(77,135,143,.16);
  --transition:    .22s cubic-bezier(.4,0,.2,1);
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 19px;
  line-height: 1.75;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  color: var(--primary);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2vw, 1.4rem); font-weight: 700; }
p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

.container { width: 92%; max-width: 1140px; margin: 0 auto; }
section { padding: 96px 0; }

/* Screen-reader only */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ===== FOCUS STATES ===== */
*:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
}

/* ===== SCROLL REVEAL ===== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}
.reveal-d1 { transition-delay: .1s; }
.reveal-d2 { transition-delay: .2s; }
.reveal-d3 { transition-delay: .3s; }

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}
body.reduce-motion .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
body.reduce-motion *, body.reduce-motion *::before, body.reduce-motion *::after {
  animation-duration: 0.01ms !important;
  transition-duration: 0.01ms !important;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: 'Inter', sans-serif; font-weight: 700; font-size: 1.05rem;
  padding: 16px 36px; border-radius: 50px; cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  min-height: 54px; border: 2px solid transparent; white-space: nowrap; line-height: 1;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn-gold {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text);
  border-color: var(--accent);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--accent-dark), var(--accent));
  box-shadow: 0 8px 24px rgba(212,167,69,.35);
}
.btn-lg { padding: 20px 44px; font-size: 1.1rem; min-height: 60px; }

/* ===== LABELS ===== */
.label {
  display: inline-flex; align-items: center; gap: 7px;
  font-family: 'Inter', sans-serif; font-weight: 700; font-size: .75rem;
  text-transform: uppercase; letter-spacing: 2px; color: var(--accent);
  margin-bottom: 14px;
}
.label-dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--accent); flex-shrink: 0;
}

/* ===== URGENCY BANNER ===== */
.urgency-bar {
  background: linear-gradient(90deg, var(--primary) 0%, var(--primary-mid) 50%, var(--primary) 100%);
  color: var(--white);
  padding: 12px 0;
  text-align: center;
  font-size: .92rem;
  font-weight: 500;
}
.urgency-bar strong { color: var(--accent-light); font-weight: 700; }

/* ===== NAV ===== */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(208,224,226,.5);
  transition: box-shadow var(--transition);
}
.site-nav.scrolled {
  box-shadow: 0 4px 20px rgba(77,135,143,.12);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 0; gap: 16px;
}
.nav-logo { display: flex; align-items: center; gap: 10px; line-height: 1.2; }
.nav-logo-img {
  width: 40px; height: 40px; object-fit: contain; flex-shrink: 0;
}
.nav-logo-text-wrap { display: flex; flex-direction: column; }
.nav-logo-main {
  font-family: 'Raleway', sans-serif; font-weight: 500; font-size: 1.15rem;
  color: #2d2d2d; letter-spacing: 1.5px; text-transform: uppercase;
}
.nav-logo-sub {
  font-size: .7rem; font-weight: 600; text-transform: uppercase; letter-spacing: 2px;
  color: var(--primary);
}
.nav-links { display: flex; gap: 32px; align-items: center; }
.nav-links a {
  font-weight: 600; font-size: .95rem; color: var(--text);
  padding: 4px 0; position: relative; transition: color var(--transition);
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -2px; left: 0; width: 0; height: 2px;
  background: var(--accent); transition: width var(--transition);
}
.nav-links a:hover { color: var(--accent-dark); }
.nav-links a:hover::after { width: 100%; }
.nav-links a.active { color: var(--primary); }
.nav-links a.active::after { width: 100%; background: var(--primary); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-phone {
  display: inline-flex; align-items: center; gap: 7px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text);
  font-weight: 700; font-size: .9rem; padding: 10px 22px; border-radius: 50px;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap; min-height: 48px;
}
.nav-phone:hover {
  background: linear-gradient(135deg, var(--accent-dark), var(--accent));
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(212,167,69,.4);
}

/* Language Switch */
.lang-switch {
  display: flex;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 50px;
  overflow: hidden;
  flex-shrink: 0;
}
.lang-btn {
  padding: 7px 14px;
  font-family: 'Inter', sans-serif;
  font-size: .8rem;
  font-weight: 700;
  color: var(--muted);
  background: none;
  border: none;
  cursor: pointer;
  min-height: 38px;
  min-width: 40px;
  transition: background var(--transition), color var(--transition);
}
.lang-btn:hover { color: var(--primary); }
.lang-btn.active {
  background: var(--primary);
  color: var(--white);
}
.mobile-lang-switch {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.2);
  margin: 16px 0;
  align-self: center;
}
.mobile-lang-switch .lang-btn { color: rgba(255,255,255,.7); }
.mobile-lang-switch .lang-btn.active { background: var(--accent); color: var(--text); }
body.dark-mode .lang-switch { background: #243c3f; border-color: #2d4f52; }
body.dark-mode .lang-btn { color: #8ab8bc; }
body.dark-mode .lang-btn.active { background: var(--primary); color: var(--white); }

/* Hamburger */
.hamburger {
  display: none; padding: 8px; flex-direction: column; gap: 5px;
  align-items: center; min-width: 48px; min-height: 48px; justify-content: center;
}
.hamburger span {
  display: block; width: 24px; height: 2.5px; background: var(--primary);
  border-radius: 3px; transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Nav */
.mobile-nav {
  display: flex; position: fixed; inset: 0; z-index: 300;
  background: rgba(45,90,97,.97); flex-direction: column;
  align-items: center; justify-content: center; gap: 28px;
  backdrop-filter: blur(12px);
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .3s ease, visibility .3s ease;
}
.mobile-nav.open {
  opacity: 1; visibility: visible; pointer-events: auto;
}
.mobile-nav a.mobile-link {
  color: var(--white); font-size: 1.5rem; font-weight: 600;
  padding: 12px 24px; transition: color var(--transition);
  min-height: 48px; display: flex; align-items: center;
}
.mobile-nav a:hover { color: var(--accent); }
.mobile-nav-close {
  position: absolute; top: 20px; right: 24px;
  color: var(--white); font-size: 2.5rem; line-height: 1; cursor: pointer;
  min-width: 48px; min-height: 48px; display: flex; align-items: center; justify-content: center;
}
.mobile-nav-logo {
  width: 56px; height: 56px; object-fit: contain;
  margin-bottom: 8px; filter: brightness(0) invert(1); opacity: .85;
}
.mobile-nav-phone {
  display: inline-flex; align-items: center; gap: 10px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text); font-weight: 800; font-size: 1.1rem;
  padding: 16px 32px; border-radius: 50px; min-height: 56px;
  margin-top: 8px;
}

/* ===== HERO ===== */
.hero {
  position: relative;
  overflow: hidden;
  padding: 100px 0 88px;
  min-height: 600px;
  display: flex;
  align-items: center;
}
.hero-bg-photo {
  position: absolute; inset: 0;
  background: url('images/hero-bg.png') center center / cover no-repeat;
  z-index: 0;
}
.hero-bg-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(180deg,
    rgba(26,58,62,.65) 0%,
    rgba(45,90,97,.55) 40%,
    rgba(26,58,62,.65) 100%
  );
}
/* Hero split layout */
.hero-split {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-content { text-align: left; }
.hero h1 {
  color: var(--white);
  margin-bottom: .4em;
  text-shadow: 0 2px 20px rgba(0,0,0,.5);
}
.hero h1 em { font-style: normal; color: var(--accent); }
.hero-sub {
  font-size: 1.2rem;
  color: rgba(255,255,255,.9);
  margin-bottom: 32px;
  max-width: 540px;
  line-height: 1.6;
  text-shadow: 0 1px 8px rgba(0,0,0,.4);
}

/* Big phone CTA */
.hero-phone-cta {
  display: inline-flex; align-items: center; gap: 14px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text); font-family: 'Inter', sans-serif;
  font-size: clamp(1.3rem, 2.5vw, 1.7rem); font-weight: 900;
  padding: 18px 38px; border-radius: 50px;
  margin-bottom: 14px;
  box-shadow: 0 12px 40px rgba(212,167,69,.5), 0 0 0 4px rgba(212,167,69,.15);
  transition: transform var(--transition), box-shadow var(--transition);
  white-space: nowrap; letter-spacing: -.5px; min-height: 56px;
}
.hero-phone-cta:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 18px 50px rgba(212,167,69,.6), 0 0 0 6px rgba(212,167,69,.2);
}
.hero-hours {
  font-size: .9rem;
  color: rgba(255,255,255,.8);
  margin-bottom: 28px;
  text-shadow: 0 1px 6px rgba(0,0,0,.4);
}

/* Trust badges */
.hero-trust {
  display: flex; flex-wrap: wrap; gap: 8px 20px;
  justify-content: flex-start;
}
.hero-trust li {
  display: flex; align-items: center; gap: 8px;
  font-size: .9rem; font-weight: 600;
  color: rgba(255,255,255,.95);
  text-shadow: 0 1px 6px rgba(0,0,0,.4);
}
.hero-trust svg { width: 16px; height: 16px; flex-shrink: 0; }

/* Hero form card */
.hero-form-card {
  background: rgba(255,255,255,.97);
  border-radius: 20px;
  padding: 32px 28px;
  box-shadow: 0 20px 60px rgba(0,0,0,.3);
}
.hero-form-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 6px;
  text-align: center;
}
.hero-form-sub {
  font-size: .88rem;
  color: var(--muted);
  text-align: center;
  margin-bottom: 18px;
  line-height: 1.5;
}
.hero-form {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.hero-form .form-field input {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--border);
  border-radius: 10px;
  font-size: 1rem;
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--text);
  min-height: 50px;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.hero-form .form-field input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(212,167,69,.2);
}
.hero-form .form-field input::placeholder { color: #7a9497; }
.hero-form-submit {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text);
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  padding: 15px 24px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  min-height: 52px;
  margin-top: 4px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.hero-form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,167,69,.4);
}
.phone-error {
  display: block; color: #e53e3e; font-size: .78rem;
  margin-top: 4px; padding-left: 2px;
}
.hero-form-privacy {
  font-size: .72rem;
  color: var(--muted);
  text-align: center;
  margin: 4px 0 0;
}
.hero-form-privacy a { color: var(--primary); text-decoration: underline; }
body.dark-mode .hero-form-card { background: rgba(30,50,53,.97); }
body.dark-mode .hero-form .form-field input { background: #243c3f; border-color: #2d5a61; color: #d4eaec; }
body.dark-mode .hero-form-title { color: #7ecdd5; }
body.dark-mode .hero-form-sub { color: #8ab8bc; }

/* ===== SCROLL MARGIN FOR STICKY NAV ===== */
section[id] { scroll-margin-top: 80px; }

/* ===== SECTION HEADER ===== */
.section-header { text-align: center; margin-bottom: 56px; }
.section-header .label { justify-content: center; }
.section-header h2 { margin-bottom: .4em; }
.section-header p { color: var(--muted); font-size: 1.1rem; max-width: 560px; margin: 0 auto; }

/* ===== HOW IT WORKS ===== */
.how-section { background: var(--off-white); }
.steps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px;
}
.step-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 40px 28px; text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
}
.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.step-num {
  width: 64px; height: 64px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--accent); font-family: 'Playfair Display', serif;
  font-size: 1.4rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 6px 20px rgba(77,135,143,.2);
}
.step-card h3 { margin-bottom: 10px; }
.step-card p { color: var(--muted); font-size: .95rem; }

/* ===== STATS ===== */
.stats-strip {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-mid) 100%);
  padding: 0;
}
.stats-inner {
  display: grid; grid-template-columns: repeat(4, 1fr);
}
.stat-block {
  padding: 40px 24px; text-align: center;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stat-block:last-child { border-right: none; }
.stat-num {
  font-family: 'Playfair Display', serif; font-size: 2.6rem; font-weight: 800;
  color: var(--accent); line-height: 1; margin-bottom: 6px;
}
.stat-label {
  font-size: .85rem; font-weight: 600; color: rgba(255,255,255,.6);
  text-transform: uppercase; letter-spacing: 1.2px;
}

/* ===== WHY CHOOSE US ===== */
.why-section { background: var(--white); }
.why-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;
  max-width: 900px; margin: 0 auto 48px;
}
.why-card {
  background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex; gap: 18px; align-items: flex-start;
  transition: transform var(--transition), box-shadow var(--transition);
}
.why-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
}
.why-icon {
  width: 52px; height: 52px; border-radius: var(--radius-md); flex-shrink: 0;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(77,135,143,.2);
}
.why-icon svg { width: 24px; height: 24px; }
.why-body h3 { margin-bottom: 6px; font-size: 1.1rem; }
.why-body p { color: var(--muted); font-size: .95rem; margin: 0; }
.why-callout {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-lg); padding: 32px 40px;
  text-align: center; max-width: 700px; margin: 0 auto;
}
.why-callout p {
  color: var(--white); font-size: 1.15rem; font-weight: 600; margin: 0;
}
.why-callout strong { color: var(--accent); }

/* ===== SERVICES ===== */
.services-section { background: var(--surface); }
.services-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;
  max-width: 900px; margin: 0 auto 48px;
}
.service-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.service-icon-wrap {
  width: 52px; height: 52px; background: var(--surface); border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.service-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.service-card p { color: var(--muted); font-size: .95rem; margin: 0; }
.services-cta {
  text-align: center;
}
.services-cta p {
  color: var(--muted); font-size: 1.05rem; margin-bottom: 20px;
}

/* ===== ABOUT ===== */
.about-section { background: var(--off-white); }
.agents-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 36px;
  max-width: 900px; margin: 0 auto;
}
.agent-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.agent-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.agent-photo-wrap {
  position: relative; overflow: hidden;
  aspect-ratio: 4/5;
  background: var(--surface);
}
.agent-photo {
  width: 100%; height: 100%; object-fit: cover; object-position: top center;
}
.agent-info { padding: 28px 28px 32px; }
.agent-name {
  font-family: 'Playfair Display', serif; font-size: 1.3rem;
  font-weight: 700; color: var(--primary); margin-bottom: 4px;
}
.agent-role {
  font-size: .82rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1.2px; color: var(--accent-dark); margin-bottom: 14px;
}
.agent-bio {
  color: var(--muted); font-size: .95rem; line-height: 1.65;
}

/* Credentials */
.credentials-strip {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 14px 32px; margin-top: 56px; padding-top: 40px;
  border-top: 1px solid var(--border);
}
.credential-item {
  display: flex; align-items: center; gap: 9px;
  font-size: .92rem; font-weight: 700; color: var(--muted);
}
.credential-item svg { flex-shrink: 0; color: var(--primary); }

/* ===== FAQ ===== */
.faq-section { background: var(--white); }
.faq-list { max-width: 740px; margin: 0 auto; }
.faq-item {
  background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-md);
  margin-bottom: 12px; overflow: hidden;
  transition: box-shadow var(--transition), border-color var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-item.open { border-color: var(--accent); box-shadow: 0 4px 16px rgba(212,167,69,.08); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 24px 28px; font-weight: 700; font-size: 1.05rem; color: var(--primary);
  cursor: pointer; text-align: left; gap: 16px; background: none; border: none;
  font-family: 'Inter', sans-serif; min-height: 64px;
}
.faq-q:hover { color: var(--accent-dark); }
.faq-icon {
  width: 32px; height: 32px; border-radius: 50%; background: var(--surface);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: transform .35s ease, background .35s ease;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--accent); }
.faq-icon svg { width: 14px; height: 14px; }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height .4s cubic-bezier(.4,0,.2,1);
  padding: 0 28px;
}
.faq-a-inner {
  padding-bottom: 24px; color: var(--muted);
  font-size: 1rem; line-height: 1.7;
}
.faq-item.open .faq-a { max-height: 300px; }

/* ===== CONTACT ===== */
.contact-section {
  background: linear-gradient(135deg, var(--primary-deep) 0%, #2a5056 100%);
  padding: 96px 0;
}
.contact-centered {
  max-width: 640px; margin: 0 auto; text-align: center;
}
.contact-section .label { color: var(--accent); justify-content: center; }
.contact-section h2 { color: var(--white); margin-bottom: .4em; }
.contact-sub {
  color: rgba(255,255,255,.75); font-size: 1.1rem;
  max-width: 480px; margin: 0 auto 40px; line-height: 1.65;
}
.contact-big-phone {
  display: inline-flex; align-items: center; gap: 14px;
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800;
  color: var(--text);
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  padding: 24px 52px; border-radius: 60px;
  box-shadow: 0 10px 40px rgba(212,167,69,.45);
  transition: transform var(--transition), box-shadow var(--transition);
  margin-bottom: 16px; letter-spacing: -.5px; min-height: 72px;
}
.contact-big-phone:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 56px rgba(212,167,69,.55);
}
.contact-hours {
  color: rgba(255,255,255,.6); font-size: .95rem; margin-bottom: 48px;
}

/* Callback form */
.callback-section { margin-bottom: 48px; }
.callback-label {
  color: rgba(255,255,255,.7); font-size: 1rem;
  margin-bottom: 16px; font-weight: 600;
}
.callback-form { max-width: 560px; margin: 0 auto; }
.callback-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-lg);
  padding: 16px;
  margin-bottom: 12px;
}
.callback-fields .form-field input {
  width: 100%; padding: 14px 16px;
  border: 2px solid transparent; border-radius: var(--radius-sm);
  font-size: 1.05rem; font-family: 'Inter', sans-serif;
  background: rgba(255,255,255,.95); color: var(--text);
  min-height: 54px;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.callback-fields .form-field input:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(212,167,69,.2);
}
.callback-fields .form-field input::placeholder { color: #7a9497; }
.callback-submit {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: 100%;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--text); font-family: 'Inter', sans-serif;
  font-size: 1rem; font-weight: 800;
  padding: 14px 28px; border-radius: 50px;
  border: none; cursor: pointer; white-space: nowrap;
  min-height: 54px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.callback-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(212,167,69,.4);
}
.callback-privacy {
  font-size: .75rem; color: rgba(255,255,255,.4);
  margin: 12px 0 0; line-height: 1.5;
  display: flex; align-items: flex-start; gap: 6px;
  text-align: left; justify-content: center;
}
.callback-privacy a { color: rgba(255,255,255,.55); text-decoration: underline; }
.callback-privacy svg { flex-shrink: 0; margin-top: 2px; }

/* Form success */
.form-success {
  display: none; align-items: center; justify-content: center; gap: 10px;
  padding: 18px 24px; margin-top: 16px;
  background: rgba(22,163,74,.15);
  border: 1px solid rgba(22,163,74,.35);
  border-radius: var(--radius-md);
  color: #86efac; font-weight: 700; font-size: 1.05rem;
}
.form-success.show { display: flex; }

/* Contact details */
.contact-details {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 12px 36px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.contact-detail {
  display: flex; align-items: center; gap: 9px;
  color: rgba(255,255,255,.6); font-size: .92rem;
}
.contact-detail a {
  color: var(--accent); transition: color var(--transition);
}
.contact-detail a:hover { color: var(--accent-light); }

/* ===== FOOTER ===== */
.site-footer {
  background: #1a3a3e;
  color: rgba(255,255,255,.55);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr;
  gap: 48px; margin-bottom: 48px;
}
.footer-logo-row {
  display: flex; align-items: center; gap: 10px; margin-bottom: 12px;
}
.footer-logo-img {
  width: 36px; height: 36px; object-fit: contain;
  filter: brightness(0) invert(1); opacity: .7; flex-shrink: 0;
}
.footer-logo-text {
  font-family: 'Playfair Display', serif; font-weight: 800;
  font-size: 1.15rem; color: var(--white); margin: 0;
}
.footer-brand p { font-size: .9rem; line-height: 1.7; max-width: 300px; }
.footer-phone {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 12px; font-size: 1.1rem; font-weight: 700;
  color: var(--accent); transition: color var(--transition);
}
.footer-phone:hover { color: var(--accent-light); }
.footer-social {
  display: flex; align-items: center; gap: 14px; margin-top: 16px;
}
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,.1); color: var(--white);
  transition: background var(--transition), color var(--transition);
}
.footer-social a:hover {
  background: var(--accent); color: var(--dark);
}
.footer-social svg { width: 20px; height: 20px; }
.footer-col h4 {
  color: var(--white); font-size: .78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.8px; margin-bottom: 16px;
  font-family: 'Inter', sans-serif;
}
.footer-col a {
  display: block; padding: 4px 0; font-size: .92rem;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--accent); }
.footer-hours {
  font-size: .9rem; line-height: 1.7; margin-top: 8px;
}
.footer-dim { color: rgba(255,255,255,.3); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 24px 0;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: .82rem;
}
.footer-legal-links { display: flex; gap: 20px; }
.footer-madeby {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 16px 0 0;
  text-align: center;
}
.footer-madeby a {
  display: inline-flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,.4); font-size: .78rem;
  text-decoration: none; transition: color var(--transition);
}
.footer-madeby a:hover { color: rgba(255,255,255,.75); }
.rk-logo { height: 18px !important; width: 18px !important; object-fit: contain; opacity: .55; transition: opacity var(--transition); }
.footer-madeby a:hover .rk-logo { opacity: .9; }
.footer-legal-links a {
  color: rgba(255,255,255,.45); text-decoration: underline;
  transition: color var(--transition);
}
.footer-legal-links a:hover { color: var(--accent); }
.footer-disclaimer {
  font-size: .72rem; color: rgba(255,255,255,.25);
  max-width: 860px; line-height: 1.65; padding-bottom: 24px;
}

/* ===== RESPONSIVE ===== */

@media (max-width: 1024px) {
  .services-grid { max-width: 100%; }
  .why-grid { max-width: 100%; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-block:nth-child(2) { border-right: none; }
  .stat-block:nth-child(3),
  .stat-block:nth-child(4) { border-top: 1px solid rgba(255,255,255,.08); }
  .stat-block:nth-child(4) { border-right: none; }
}

@media (max-width: 768px) {
  section { padding: 72px 0; }
  .nav-links { display: none; }
  .nav-inner > .lang-switch { display: none; }
  .hamburger { display: flex; }
  .nav-phone { font-size: .82rem; padding: 9px 16px; }
  .nav-logo-img { width: 32px; height: 32px; }
  .nav-logo-main { font-size: .85rem; letter-spacing: 1px; white-space: nowrap; }
  .nav-logo-sub { font-size: .55rem; letter-spacing: 1.5px; white-space: nowrap; }
  .hero { padding: 72px 0 64px; min-height: auto; }
  .hero-split { grid-template-columns: 1fr; text-align: center; }
  .hero-content { text-align: center; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-trust { justify-content: center; }
  .hero-form-card { max-width: 420px; margin: 0 auto; }
  .hero-phone-cta { font-size: 1.3rem; padding: 18px 32px; }
  .steps-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
  .why-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .agents-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
  .footer-grid { grid-template-columns: 1fr; text-align: center; }
  .footer-brand p { max-width: 100%; }
  .footer-logo-row { justify-content: center; }
  .footer-social { justify-content: center; }
  .footer-bottom { justify-content: center; text-align: center; }
  .footer-legal-links { justify-content: center; }
  .contact-big-phone { font-size: 1.5rem; padding: 20px 36px; }
  .callback-fields { grid-template-columns: 1fr; }
  .credentials-strip { gap: 12px 20px; }
  .contact-details { flex-direction: column; align-items: center; gap: 12px; }
  .why-callout { padding: 28px 24px; }
}

@media (max-width: 480px) {
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .hero-trust { flex-direction: column; align-items: center; gap: 8px; }
  .btn-lg { width: 100%; }
}

@media (max-width: 375px) {
  body { font-size: 18px; }
  .hero h1 { font-size: 1.85rem; }
  .stat-num { font-size: 2rem; }
}

/* ===== CARRIER LOGOS — DUAL-ROW MARQUEE ===== */
.carriers-section {
  background: #fff;
  padding: 48px 0 52px;
  overflow: hidden;
}
.carrier-heading {
  text-align: center;
  font-size: .82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--text-light);
  margin: 0 0 32px;
}
.marquee-wrap {
  position: relative;
  width: 100%;
  /* Smooth fade at edges */
  -webkit-mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
}
.marquee-wrap + .marquee-wrap { margin-top: 20px; }

@keyframes marqueeLeft {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@keyframes marqueeRight {
  0%   { transform: translateX(-50%); }
  100% { transform: translateX(0); }
}

.marquee-track {
  display: flex;
  align-items: center;
  gap: 40px;
  width: max-content;
  will-change: transform;
}
.marquee-row1 { animation: marqueeLeft 35s linear infinite; }
.marquee-row2 { animation: marqueeRight 38s linear infinite; }

.carrier-logo {
  height: 52px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
  flex-shrink: 0;
  opacity: .75;
  transition: opacity .3s ease, transform .3s ease;
  filter: grayscale(30%);
}
.carrier-logo.carrier-logo-tall {
  height: 90px;
  max-width: 220px;
}
.carrier-logo:hover {
  opacity: 1;
  filter: grayscale(0%);
  transform: scale(1.08);
}

/* Pause on hover */
.marquee-wrap:hover .marquee-track {
  animation-play-state: paused;
}

@media (max-width: 768px) {
  .carriers-section { padding: 36px 0 40px; }
  .carrier-heading { margin-bottom: 24px; }
  .marquee-track { gap: 28px; }
  .carrier-logo { height: 42px; max-width: 140px; }
  .carrier-logo.carrier-logo-tall { height: 72px; max-width: 180px; }
  .marquee-wrap + .marquee-wrap { margin-top: 14px; }
}
@media (max-width: 480px) {
  .carriers-section { padding: 28px 0 32px; }
  .marquee-track { gap: 24px; }
  .carrier-logo { height: 36px; max-width: 120px; }
  .carrier-logo.carrier-logo-tall { height: 62px; max-width: 160px; }
}

/* ===== ACCESSIBILITY FLOATING BUTTON + PANEL ===== */
.a11y-float {
  position: fixed;
  bottom: 24px;
  left: 24px;
  z-index: 800;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  pointer-events: none;
}
.a11y-fab {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(77,135,143,.35);
  transition: transform var(--transition), box-shadow var(--transition);
  pointer-events: auto;
}
.a11y-fab:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(77,135,143,.45);
}
.a11y-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: 0 20px 60px rgba(0,0,0,.16);
  width: 300px;
  overflow: hidden;
  opacity: 0;
  transform: translateY(10px) scale(.97);
  pointer-events: none;
  transition: opacity .25s ease, transform .25s ease;
}
.a11y-panel.open {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}
.a11y-panel-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 18px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
}
.a11y-panel-title {
  display: flex; align-items: center; gap: 8px;
  font-family: 'Inter', sans-serif; font-weight: 700; font-size: .95rem;
}
.a11y-close {
  background: rgba(255,255,255,.15); border: none;
  color: var(--white); font-size: 1.3rem; line-height: 1;
  width: 30px; height: 30px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: background var(--transition);
}
.a11y-close:hover { background: rgba(255,255,255,.28); }
.a11y-panel-body {
  padding: 18px;
  display: flex; flex-direction: column; gap: 16px;
}
.a11y-group-label {
  font-family: 'Inter', sans-serif; font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.5px; color: var(--muted);
  margin-bottom: 8px;
}
.a11y-size-btns {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px;
}
.a11y-size-btn {
  padding: 10px 4px; border: 2px solid var(--border);
  border-radius: var(--radius-sm); background: var(--off-white);
  font-family: 'Playfair Display', serif; font-weight: 700; color: var(--primary);
  cursor: pointer; text-align: center;
  transition: border-color var(--transition), background var(--transition);
  min-height: 48px; display: flex; align-items: center; justify-content: center;
}
.a11y-size-btn:nth-child(1) { font-size: .9rem; }
.a11y-size-btn:nth-child(2) { font-size: 1.05rem; }
.a11y-size-btn:nth-child(3) { font-size: 1.2rem; }
.a11y-size-btn:nth-child(4) { font-size: 1.35rem; }
.a11y-size-btn:hover { border-color: var(--primary); }
.a11y-size-btn.active { border-color: var(--accent); background: rgba(212,167,69,.1); color: var(--accent-dark); }

.a11y-toggles { display: flex; flex-direction: column; gap: 4px; }
.a11y-toggle-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 12px; border-radius: var(--radius-sm);
  background: var(--off-white); border: 1px solid var(--border);
  min-height: 48px;
}
.a11y-toggle-info {
  display: flex; align-items: center; gap: 8px;
  font-family: 'Inter', sans-serif; font-size: .9rem; font-weight: 600; color: var(--text);
}
.a11y-tog {
  display: flex; align-items: center; gap: 6px;
  background: none; border: none; cursor: pointer; padding: 0;
  font-family: 'Inter', sans-serif; font-size: .75rem; font-weight: 700; color: var(--muted);
}
.a11y-tog-track {
  width: 40px; height: 24px; border-radius: 12px;
  background: #cbd5e0; position: relative; flex-shrink: 0;
  transition: background .22s ease;
}
.a11y-tog-thumb {
  position: absolute; top: 3px; left: 3px;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--white); box-shadow: 0 1px 4px rgba(0,0,0,.2);
  transition: transform .22s ease;
}
.a11y-tog[aria-pressed="true"] .a11y-tog-track { background: var(--primary); }
.a11y-tog[aria-pressed="true"] .a11y-tog-thumb { transform: translateX(16px); }
.a11y-tog[aria-pressed="true"] .a11y-tog-label { color: var(--primary); }

.a11y-reset {
  display: flex; align-items: center; justify-content: center; gap: 6px;
  width: 100%; padding: 10px;
  background: none; border: 1px solid var(--border);
  border-radius: var(--radius-sm); color: var(--muted);
  font-family: 'Inter', sans-serif; font-size: .85rem; font-weight: 600;
  cursor: pointer; min-height: 44px;
  transition: border-color var(--transition), color var(--transition);
}
.a11y-reset:hover { border-color: #e53e3e; color: #e53e3e; }

@media (max-width: 480px) {
  .a11y-float { bottom: 16px; left: 12px; }
  .a11y-panel { width: calc(100vw - 24px); }
}

/* ===== ACCESSIBILITY MODES ===== */

/* Text sizes — scale the root so rem-based headings grow too */
html.text-large  { font-size: 120%; }
html.text-xlarge { font-size: 140%; }
html.text-huge   { font-size: 160%; }
body.text-large  { font-size: 22px; }
body.text-xlarge { font-size: 25px; }
body.text-huge   { font-size: 28px; }
body.text-large h1, body.text-xlarge h1, body.text-huge h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); }
body.text-large h2, body.text-xlarge h2, body.text-huge h2 { font-size: clamp(2rem, 4vw, 3rem); }
body.text-large h3, body.text-xlarge h3, body.text-huge h3 { font-size: clamp(1.4rem, 2.5vw, 1.8rem); }
body.text-large p, body.text-xlarge p, body.text-huge p { font-size: 1.1em; }
body.text-large .btn, body.text-xlarge .btn, body.text-huge .btn { font-size: 1.15rem; }
body.text-huge .btn { font-size: 1.25rem; padding: 20px 40px; }
body.text-large .faq-q, body.text-xlarge .faq-q, body.text-huge .faq-q { font-size: 1.15rem; }
body.text-large .nav-phone, body.text-xlarge .nav-phone, body.text-huge .nav-phone { font-size: 1rem; }
body.text-large .hero-sub, body.text-xlarge .hero-sub { font-size: 1.3rem; }
body.text-huge .hero-sub { font-size: 1.45rem; }
body.text-large .callback-row .form-field input,
body.text-xlarge .callback-row .form-field input,
body.text-huge .callback-row .form-field input { font-size: 1.15rem; min-height: 60px; }

/* High Contrast */
body.high-contrast {
  --primary: #005f68; --primary-mid: #004e56; --primary-deep: #003d44;
  --muted: #1a3c3f; --text: #000; --border: #004a52;
  --surface: #dceef0; --off-white: #eef7f8;
}
body.high-contrast .hero-bg-overlay { background: rgba(0,0,0,.78) !important; }
body.high-contrast p, body.high-contrast li { color: #000; }

/* Dark Mode */
body.dark-mode {
  --white: #1a2b2d; --off-white: #1e3235; --surface: #1e3235;
  --text: #d4eaec; --muted: #8ab8bc; --border: #2d4f52;
  background: #141e1f; color: #d4eaec;
}
body.dark-mode h1, body.dark-mode h2, body.dark-mode h3, body.dark-mode h4 { color: #7ecdd5; }
body.dark-mode .site-nav { background: rgba(20,30,31,.96); border-color: #2d4f52; }
body.dark-mode .step-card, body.dark-mode .service-card,
body.dark-mode .why-card, body.dark-mode .agent-card,
body.dark-mode .faq-item { background: #1e3235; border-color: #2d4f52; }
body.dark-mode .callback-row .form-field input { background: #243c3f; border-color: #2d5a61; color: #d4eaec; }
body.dark-mode .hero-bg-overlay { background: linear-gradient(180deg, rgba(10,20,21,.85) 0%, rgba(20,30,31,.8) 100%) !important; }
body.dark-mode .a11y-panel { background: #1e3235; border-color: #2d4f52; }
body.dark-mode .a11y-toggle-row { background: #243c3f; border-color: #2d4f52; }
body.dark-mode .a11y-toggle-info { color: #d4eaec; }
body.dark-mode .a11y-size-btn { background: #243c3f; border-color: #2d4f52; }

/* Highlight Links */
body.highlight-links a:not(.btn):not(.nav-phone):not(.hero-phone-cta):not(.contact-big-phone):not(.mobile-nav-phone) {
  color: #005f68 !important;
  text-decoration: underline !important;
  text-underline-offset: 3px !important;
  font-weight: 700 !important;
}