/* ══════════════════════════════
   STEWART SENIOR SOLUTIONS v2
   Brand: #0072C6 (blue) / #00A651 (green)
══════════════════════════════ */

:root {
  --blue:      #0072C6;
  --blue-dk:   #005499;
  --blue-lt:   #E8F3FC;
  --green:     #00A651;
  --green-dk:  #007A3D;
  --orange:    #FF6B00;
  --purple:    #7B2FBE;
  --navy:      #0D1B2A;
  --text:      #1A1A2E;
  --text-mid:  #444C5C;
  --text-muted:#6B7280;
  --border:    #DDE4EE;
  --bg:        #F7FAFD;
  --white:     #FFFFFF;
  --radius:    12px;
  --radius-sm: 7px;
  --shadow:    0 4px 24px rgba(0,114,198,.10);
  --shadow-sm: 0 2px 10px rgba(0,0,0,.07);
  --nav-h:     72px;
  --topbar-h:  36px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: 'Open Sans', sans-serif; background: var(--bg); color: var(--text); line-height: 1.7; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
img { max-width: 100%; display: block; }
::-webkit-scrollbar { width: 7px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 4px; }

/* TABS */
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ── TOP BAR ── */
.top-bar {
  background: var(--navy);
  height: var(--topbar-h);
  display: flex; align-items: center;
}
.top-bar-inner {
  width: 100%; max-width: 1280px; margin: 0 auto;
  padding: 0 32px;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 11.5px; color: #94A3B8;
  font-family: 'Montserrat', sans-serif; letter-spacing: 0.04em;
}
.top-bar-contact { display: flex; gap: 20px; }
.top-bar-contact a { color: #94A3B8; transition: color 0.2s; }
.top-bar-contact a:hover { color: #fff; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 200;
  height: var(--nav-h);
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1.5px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto;
  height: 100%; padding: 0 32px;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  flex-shrink: 0;
}
.logo-mark { width: 40px; height: 40px; flex-shrink: 0; }
.logo-mark svg,
.logo-mark img { width: 100%; height: 100%; object-fit: contain; display: block; }

/* Footer sits on navy — the logo's dark-grey half would disappear,
   so give it a white chip to sit on. */
.logo-mark-footer {
  width: 36px; height: 36px;
  background: #fff;
  border-radius: 8px;
  padding: 4px;
}
.logo-text { line-height: 1.15; }
.logo-name {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800; font-size: 13.5px;
  color: var(--navy); letter-spacing: 0.04em;
}
.logo-tag {
  display: block;
  font-size: 10.5px; font-weight: 500;
  color: var(--text-muted); letter-spacing: 0.03em;
  text-transform: uppercase;
}
.nav-links {
  display: flex; align-items: center; gap: 2px; list-style: none;
}
.nav-links a {
  display: block; padding: 8px 13px;
  font-size: 14px; font-weight: 600;
  color: var(--text-mid);
  border-radius: var(--radius-sm);
  transition: background 0.18s, color 0.18s;
  font-family: 'Montserrat', sans-serif;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active {
  background: var(--blue-lt); color: var(--blue);
}
.nav-highlight {
  background: #FFF3E6 !important;
  color: var(--orange) !important;
}
.nav-highlight:hover { background: #FFE8CC !important; }
.nav-cta {
  background: var(--blue) !important;
  color: #fff !important;
  padding: 9px 18px !important;
  border-radius: var(--radius-sm) !important;
}
.nav-cta:hover { background: var(--blue-dk) !important; }
.nav-cta.active { background: var(--blue-dk) !important; }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; padding: 8px;
}
.hamburger span { display: block; width: 23px; height: 2px; background: var(--navy); border-radius: 2px; transition: all 0.2s; }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-overlay { display: none; position: fixed; inset: 0; z-index: 150; background: rgba(13,27,42,0.4); }
.mobile-overlay.active { display: block; }

/* ── HERO ── */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy) 0%, #003D72 50%, var(--blue) 100%);
  padding: 100px 5% 110px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E") repeat;
}
.hero-overlay { position: absolute; inset: 0; background: rgba(0,0,0,0.15); }
.hero-inner {
  position: relative; z-index: 1;
  max-width: 700px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12);
  color: #fff; border: 1px solid rgba(255,255,255,0.25);
  font-size: 12.5px; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; padding: 6px 14px;
  border-radius: 999px; margin-bottom: 22px;
  backdrop-filter: blur(4px); font-family: 'Montserrat', sans-serif;
}
.hero-badge::before { content: ''; width: 7px; height: 7px; background: #4ADE80; border-radius: 50%; animation: pulse-dot 2s infinite; }
@keyframes pulse-dot { 0%,100%{opacity:1;} 50%{opacity:0.4;} }
.hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(32px, 5vw, 58px);
  font-weight: 800; line-height: 1.1;
  color: #fff; margin-bottom: 20px;
}
.hero h1 span { color: #4ADE80; }
.hero > .hero-inner > p {
  font-size: 18px; color: rgba(255,255,255,0.82);
  margin-bottom: 36px; max-width: 540px;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--blue-dk);
  padding: 18px 5%;
  display: flex; justify-content: center;
  gap: clamp(16px, 5vw, 64px); flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.85); font-size: 13.5px; font-weight: 600;
  font-family: 'Montserrat', sans-serif;
}
.trust-item svg { width: 16px; height: 16px; fill: #4ADE80; flex-shrink: 0; }

/* ── BUTTONS ── */
.btn-primary {
  background: var(--blue); color: #fff;
  padding: 14px 30px; border-radius: var(--radius-sm);
  font-size: 15px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: 0.02em; border: none;
  transition: background 0.2s, transform 0.15s;
  display: inline-block; cursor: pointer;
}
.btn-primary:hover { background: var(--blue-dk); transform: translateY(-1px); }
.btn-ghost {
  background: rgba(255,255,255,0.12); color: #fff;
  padding: 13px 28px; border-radius: var(--radius-sm);
  font-size: 15px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: 1.5px solid rgba(255,255,255,0.35);
  transition: all 0.2s; display: inline-block; cursor: pointer;
}
.btn-ghost:hover { background: rgba(255,255,255,0.22); }
.btn-ghost-white {
  background: transparent; color: #fff;
  padding: 13px 28px; border-radius: var(--radius-sm);
  font-size: 15px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: 2px solid rgba(255,255,255,0.5);
  transition: all 0.2s; display: inline-block; cursor: pointer;
}
.btn-ghost-white:hover { background: rgba(255,255,255,0.15); }
.btn-white {
  background: #fff; color: var(--blue);
  padding: 14px 30px; border-radius: var(--radius-sm);
  font-size: 15px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: none; transition: all 0.2s;
  display: inline-block; cursor: pointer;
}
.btn-white:hover { background: var(--blue-lt); transform: translateY(-1px); }
.btn-outline {
  background: transparent; color: var(--blue);
  padding: 13px 28px; border-radius: var(--radius-sm);
  font-size: 15px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: 2px solid var(--blue);
  transition: all 0.2s; display: inline-block; cursor: pointer;
}
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-submit {
  width: 100%; background: var(--blue); color: #fff;
  padding: 15px; border-radius: var(--radius-sm);
  font-size: 16px; font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: none; transition: background 0.2s;
  margin-top: 6px; cursor: pointer;
}
.btn-submit:hover { background: var(--blue-dk); }
.btn-submit:disabled { background: var(--text-muted); cursor: not-allowed; }

/* ── SECTIONS ── */
.section { padding: 76px 5%; }
.bg-white { background: var(--white); }
.bg-light { background: var(--bg); }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 52px; }
.section-tag {
  font-size: 11.5px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--blue);
  font-family: 'Montserrat', sans-serif; margin-bottom: 10px;
}
.section-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 34px);
  font-weight: 800; color: var(--navy); margin-bottom: 12px;
}
.section-header p { font-size: 16px; color: var(--text-mid); max-width: 560px; margin: 0 auto; }

/* ── CARDS GRID ── */
.cards-grid-3 {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 22px; max-width: 1100px; margin: 0 auto;
}
.card {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 28px 24px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card-icon {
  width: 50px; height: 50px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.card-icon.blue { background: var(--blue-lt); }
.card-icon svg { width: 24px; height: 24px; stroke: var(--blue); fill: none; stroke-width: 1.8; }
.card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 16.5px; font-weight: 700;
  color: var(--navy); margin-bottom: 8px;
}
.card p { font-size: 14.5px; color: var(--text-mid); }

/* ── PROMO BANNER ── */
.promo-banner {
  background: linear-gradient(120deg, #005499, var(--blue));
  padding: 56px 5%;
}
.promo-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center;
  justify-content: space-between; gap: 40px; flex-wrap: wrap;
}
.promo-text h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800; color: #fff; margin-bottom: 10px;
}
.promo-text p { font-size: 16px; color: rgba(255,255,255,0.8); max-width: 580px; }

/* ── TESTIMONIALS ── */
.testimonial-card {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 28px;
}
.stars { color: #F59E0B; font-size: 17px; letter-spacing: 2px; margin-bottom: 12px; }
.testimonial-card > p {
  font-style: italic; font-size: 14.5px;
  color: var(--text-mid); line-height: 1.65; margin-bottom: 20px;
}
.t-author {
  display: flex; align-items: center; gap: 12px;
  border-top: 1px solid var(--border); padding-top: 16px;
}
.t-avatar {
  width: 38px; height: 38px; background: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; color: #fff; flex-shrink: 0;
}
.t-author strong { display: block; font-size: 14px; color: var(--navy); }
.t-author span { font-size: 12.5px; color: var(--text-muted); }

/* ── CTA STRIP ── */
.cta-strip {
  background: var(--navy); padding: 76px 5%; text-align: center;
}
.cta-strip-inner { max-width: 680px; margin: 0 auto; }
.cta-strip h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 36px);
  font-weight: 800; color: #fff; margin-bottom: 12px;
}
.cta-strip p { color: rgba(255,255,255,0.7); font-size: 16px; margin-bottom: 32px; }

/* ── PAGE HERO SM ── */
.page-hero-sm {
  background: linear-gradient(135deg, var(--navy), var(--blue-dk));
  padding: 60px 5% 64px; border-bottom: 3px solid var(--blue);
}
.page-hero-sm-inner { max-width: 700px; }
.section-tag-white {
  font-size: 11.5px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: #4ADE80;
  font-family: 'Montserrat', sans-serif; margin-bottom: 12px;
}
.page-hero-sm h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(26px, 4vw, 44px);
  font-weight: 800; color: #fff;
  margin-bottom: 14px; line-height: 1.15;
}
.page-hero-sm h1 em { font-style: italic; color: #4ADE80; }
.page-hero-sm p { font-size: 17px; color: rgba(255,255,255,0.8); }

/* ── ABOUT PAGE ── */
.about-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; max-width: 1060px; margin: 0 auto; align-items: start;
}
.about-col h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.6vw, 28px); font-weight: 800;
  color: var(--navy); margin-bottom: 16px; line-height: 1.3;
}
.about-col p { font-size: 15.5px; color: var(--text-mid); margin-bottom: 14px; }
.about-col strong { color: var(--navy); }
.about-contact-line { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }
.quote-card {
  background: var(--navy); border-radius: var(--radius);
  padding: 28px 30px; margin-bottom: 18px;
}
.quote-mark { font-size: 56px; line-height: 1; color: var(--blue); font-family: Georgia, serif; margin-bottom: 8px; }
.quote-card p {
  font-style: italic; font-size: 16px;
  color: rgba(255,255,255,0.88); line-height: 1.6; margin-bottom: 14px;
}
.quote-card strong { font-size: 12px; font-weight: 700; color: #4ADE80; text-transform: uppercase; letter-spacing: 0.08em; }
.stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.stat-box {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 20px; text-align: center;
}
.stat-n {
  display: block; font-family: 'Montserrat', sans-serif;
  font-size: 30px; font-weight: 800; color: var(--blue); line-height: 1; margin-bottom: 6px;
}
.stat-l {
  font-size: 11.5px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.07em; color: var(--text-muted);
}
.process-row {
  display: flex; align-items: flex-start;
  gap: 0; max-width: 1100px; margin: 0 auto; flex-wrap: wrap;
}
.process-step {
  flex: 1; min-width: 180px;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 24px 20px;
  display: flex; flex-direction: column; gap: 10px;
}
.process-num {
  width: 38px; height: 38px; background: var(--blue);
  color: #fff; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif; font-size: 16px; font-weight: 800;
  flex-shrink: 0;
}
.process-step h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px; font-weight: 700; color: var(--navy);
}
.process-step p { font-size: 13.5px; color: var(--text-mid); }
.process-arrow {
  font-size: 28px; color: var(--border);
  align-self: center; padding: 0 6px; flex-shrink: 0;
  font-weight: 300;
}

/* ── PLANS PAGE ── */
.plan-card {
  display: flex; gap: 24px; align-items: flex-start;
  background: var(--white); border: 1.5px solid var(--border);
  border-left: 5px solid var(--blue);
  border-radius: var(--radius); padding: 28px 26px;
  margin-bottom: 16px; transition: box-shadow 0.2s;
}
.plan-card:hover { box-shadow: var(--shadow); }
.featured-plan { border: 2px solid var(--blue); border-left: 5px solid var(--blue); }
.plan-letter {
  flex-shrink: 0; width: 60px; height: 60px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 800;
}
.plan-body { flex: 1; }
.featured-pill {
  display: inline-block; background: var(--blue); color: #fff;
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; padding: 3px 10px;
  border-radius: 999px; margin-bottom: 8px;
  font-family: 'Montserrat', sans-serif;
}
.plan-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 8px;
}
.plan-body > p { font-size: 14.5px; color: var(--text-mid); margin-bottom: 14px; }
.plan-chips { display: flex; flex-wrap: wrap; gap: 7px; }
.plan-chips span {
  background: var(--bg); color: var(--navy);
  font-size: 12.5px; font-weight: 600;
  padding: 4px 12px; border-radius: 999px;
  border: 1px solid var(--border);
}
.plan-cta-box {
  background: var(--blue-lt); border: 1.5px solid #BDD8F5;
  border-radius: var(--radius); padding: 30px; text-align: center; margin-top: 8px;
}
.plan-cta-box h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 19px; font-weight: 700; color: var(--navy); margin-bottom: 8px;
}
.plan-cta-box p { font-size: 15px; color: var(--text-mid); margin-bottom: 20px; }

/* ── CHECKLIST PAGE ── */
.checklist-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 56px; max-width: 1100px; margin: 0 auto; align-items: start;
}
.checklist-header { margin-bottom: 28px; }
.checklist-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px; font-weight: 800; color: var(--navy); margin-bottom: 14px;
}
.progress-wrap {
  display: flex; align-items: center; gap: 12px;
}
.progress-bar-track {
  flex: 1; height: 8px; background: var(--border);
  border-radius: 999px; overflow: hidden;
}
.progress-bar-fill {
  height: 100%; width: 0%;
  background: linear-gradient(90deg, var(--blue), var(--green));
  border-radius: 999px; transition: width 0.4s ease;
}
.progress-label {
  font-size: 13px; font-weight: 600; color: var(--blue);
  white-space: nowrap; font-family: 'Montserrat', sans-serif;
}

.checklist-items { display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; }

.checklist-item {
  display: flex; align-items: flex-start; gap: 14px;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 18px 20px;
  cursor: pointer; transition: all 0.2s;
  user-select: none;
}
.checklist-item:hover { border-color: var(--blue); background: var(--blue-lt); }
/* Visually hidden, but still focusable/clickable on iOS.
   display:none makes Safari drop label->input click forwarding. */
.checklist-item input[type=checkbox] {
  position: absolute;
  opacity: 0;
  width: 1px; height: 1px;
  pointer-events: none;
  margin: 0;
}
/* Reliable tap targets on touch devices */
.checklist-item {
  -webkit-tap-highlight-color: rgba(0,114,198,.12);
  touch-action: manipulation;
}
.checklist-item input:focus-visible ~ .chk-box {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.chk-box {
  width: 24px; height: 24px; flex-shrink: 0;
  border: 2px solid var(--border); border-radius: 6px;
  background: var(--white);
  display: flex; align-items: center; justify-content: center;
  transition: all 0.2s; margin-top: 2px;
}
.chk-box svg { width: 14px; height: 14px; opacity: 0; transition: opacity 0.15s; }

.checklist-item input:checked ~ .chk-box {
  background: var(--blue); border-color: var(--blue);
}
.checklist-item input:checked ~ .chk-box svg { opacity: 1; }
.checklist-item input:checked ~ .chk-content strong { color: var(--blue); text-decoration: line-through; opacity: 0.7; }
.checklist-item.done { background: #F0FDF4; border-color: #86EFAC; }

.chk-content strong {
  display: block; font-size: 15px; font-weight: 700;
  color: var(--navy); margin-bottom: 4px;
  font-family: 'Montserrat', sans-serif; transition: all 0.2s;
}
.chk-content p { font-size: 13.5px; color: var(--text-mid); line-height: 1.55; }

.checklist-complete {
  display: none;
  background: linear-gradient(120deg, var(--blue), var(--green));
  border-radius: var(--radius); padding: 24px 26px;
  text-align: center; margin-bottom: 18px; color: #fff;
}
.checklist-complete.visible { display: block; }
.complete-icon {
  width: 52px; height: 52px; background: rgba(255,255,255,0.2);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 24px; margin: 0 auto 12px;
}
.checklist-complete h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 800; margin-bottom: 6px;
}
.checklist-complete p { font-size: 14px; opacity: 0.88; }

.checklist-download { margin-top: 16px; }
.download-link {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 14px; font-weight: 600; color: var(--blue);
  border: 1.5px solid var(--blue); border-radius: var(--radius-sm);
  padding: 9px 18px; transition: all 0.2s;
  font-family: 'Montserrat', sans-serif;
}
.download-link:hover { background: var(--blue); color: #fff; }
.download-link svg { width: 16px; height: 16px; flex-shrink: 0; }

/* ── CONTACT FORM CARD ── */
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow);
}
.form-card-header {
  background: var(--blue); padding: 22px 26px;
  display: flex; align-items: flex-start; gap: 16px;
}
.form-card-icon {
  width: 44px; height: 44px;
  background: rgba(255,255,255,0.2);
  border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
}
.form-card-icon svg { width: 22px; height: 22px; }
.form-card-header h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 17px; font-weight: 800; color: #fff; margin-bottom: 4px;
}
.form-card-header p { font-size: 13.5px; color: rgba(255,255,255,0.8); }
.form-body { padding: 26px 26px 20px; }

/* FORMS */
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--text-mid); margin-bottom: 5px;
  font-family: 'Montserrat', sans-serif; text-transform: uppercase; letter-spacing: 0.04em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 11px 13px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-size: 15px; font-family: 'Open Sans', sans-serif;
  background: var(--bg); color: var(--text);
  transition: border-color 0.2s, box-shadow 0.2s;
  -webkit-appearance: none; appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,114,198,0.12);
  background: #fff;
}
.form-group textarea { resize: vertical; min-height: 90px; }

.checklist-summary-box {
  background: var(--blue-lt); border: 1.5px solid #BDD8F5;
  border-radius: var(--radius-sm); padding: 14px 16px;
  margin-bottom: 16px; font-size: 13.5px; color: var(--navy);
}
.summary-title {
  font-weight: 700; font-size: 12px; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--blue); margin-bottom: 8px;
}
.summary-items { display: flex; flex-direction: column; gap: 4px; }
.summary-item {
  display: flex; align-items: flex-start; gap: 6px; font-size: 13px; color: var(--text-mid);
}
.summary-item::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

.consent-group { margin-bottom: 12px; }
.consent-label {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 12.5px; color: var(--text-muted); cursor: pointer; line-height: 1.5;
}
.consent-label input[type=checkbox] {
  width: 22px; height: 22px; flex-shrink: 0; margin-top: 1px;
  accent-color: var(--blue); cursor: pointer;
  -webkit-appearance: checkbox; appearance: checkbox;
  touch-action: manipulation;
}
.consent-label { -webkit-tap-highlight-color: rgba(0,114,198,.12); touch-action: manipulation; padding: 4px 0; }
.consent-label em { display: block; color: var(--text-muted); margin-top: 4px; }

.form-success {
  display: none; background: #F0FDF4; border: 1.5px solid #86EFAC;
  border-radius: var(--radius-sm); padding: 13px 16px;
  font-size: 14.5px; color: #15803D; font-weight: 600;
  margin-top: 12px; text-align: center;
  align-items: center; justify-content: center; gap: 8px;
}
.form-fine {
  font-size: 11.5px; color: var(--text-muted);
  margin-top: 12px; text-align: center; line-height: 1.5;
}

/* ── CONTACT PAGE ── */
.contact-layout {
  display: grid; grid-template-columns: 1fr 1.3fr;
  gap: 56px; max-width: 1100px; margin: 0 auto; align-items: start;
}
.contact-info-col h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 24px; font-weight: 800; color: var(--navy); margin-bottom: 10px;
}
.contact-info-col > p { font-size: 15px; color: var(--text-mid); margin-bottom: 26px; }
.contact-card {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 14px 18px; background: var(--white);
  border: 1.5px solid var(--border); border-radius: var(--radius);
  margin-bottom: 12px;
}
.cc-icon { width: 36px; height: 36px; background: var(--blue-lt); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.cc-icon svg { width: 16px; height: 16px; }
.contact-card strong { display: block; font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-muted); margin-bottom: 2px; }
.contact-card a, .contact-card span { font-size: 14.5px; font-weight: 600; color: var(--navy); }
.contact-card a:hover { color: var(--blue); text-decoration: underline; }

.talk-now-box {
  display: flex; gap: 18px; align-items: flex-start;
  background: linear-gradient(120deg, var(--navy), var(--blue-dk));
  border-radius: var(--radius); padding: 22px 20px; margin-top: 20px;
  color: #fff;
}
.talk-pulse-wrap {
  width: 52px; height: 52px; flex-shrink: 0; position: relative;
  background: var(--blue); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.talk-pulse-wrap svg { width: 24px; height: 24px; position: relative; z-index: 1; }
.talk-pulse {
  position: absolute; inset: -8px; border-radius: 50%;
  border: 2px solid rgba(74,222,128,0.5);
  animation: pulse-ring 2s ease-out infinite;
}
@keyframes pulse-ring { 0%{transform:scale(0.9);opacity:0.8;} 100%{transform:scale(1.3);opacity:0;} }
.talk-now-box strong { display: block; font-family: 'Montserrat', sans-serif; font-size: 15px; font-weight: 700; margin-bottom: 3px; }
.talk-now-box p { font-size: 13px; color: rgba(255,255,255,0.7); }

/* METHOD TABS */
.method-tabs {
  display: flex; gap: 0; margin-bottom: 0;
  border-bottom: 2px solid var(--border);
}
.method-tab {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 8px;
  background: none; border: none; border-bottom: 3px solid transparent;
  margin-bottom: -2px; padding: 14px 18px;
  font-size: 14px; font-weight: 700; color: var(--text-muted);
  font-family: 'Montserrat', sans-serif; transition: all 0.2s;
}
.method-tab svg { width: 16px; height: 16px; flex-shrink: 0; stroke-width: 1.8; }
.method-tab:hover { color: var(--blue); }
.method-tab.active { color: var(--blue); border-bottom-color: var(--blue); }
.method-panel { display: none; }
.method-panel.active { display: block; }

.calendly-wrap {
  background: var(--white); border: 1.5px solid var(--border);
  border-top: none; border-radius: 0 0 var(--radius) var(--radius);
  min-height: 420px; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.calendly-placeholder {
  text-align: center; padding: 48px 36px;
  display: flex; flex-direction: column; align-items: center;
}
.calendly-placeholder h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 19px; font-weight: 800; color: var(--navy); margin-bottom: 8px;
}
.calendly-placeholder p { font-size: 14px; color: var(--text-mid); max-width: 280px; margin-bottom: 16px; }
.placeholder-badge {
  background: #FFF3CD; color: #856404; border: 1px solid #FFDA6A;
  border-radius: 999px; font-size: 12.5px; font-weight: 600;
  padding: 6px 16px; font-family: 'Montserrat', sans-serif;
}

/* ── FAQ ── */
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); overflow: hidden;
}
.faq-q {
  width: 100%; background: none; border: none;
  text-align: left; padding: 18px 22px;
  font-size: 15.5px; font-weight: 700; color: var(--navy);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 12px;
  font-family: 'Montserrat', sans-serif; transition: background 0.15s;
}
.faq-q:hover { background: var(--blue-lt); }
.faq-item.open .faq-q { background: var(--blue-lt); color: var(--blue); }
.faq-icon {
  font-size: 22px; font-weight: 300; color: var(--blue);
  flex-shrink: 0; transition: transform 0.25s; line-height: 1;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none; padding: 16px 22px 20px;
  font-size: 15px; color: var(--text-mid);
  border-top: 1px solid var(--border); line-height: 1.65;
}
.faq-item.open .faq-a { display: block; }

/* ── FOOTER ── */
footer { background: var(--navy); }
.footer-inner {
  display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 44px; max-width: 1280px; margin: 0 auto;
  padding: 60px 5% 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo-row { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-brand p { font-size: 13.5px; color: #94A3B8; margin-bottom: 5px; }
.footer-brand a { color: #60A5FA; }
.footer-brand a:hover { color: #fff; text-decoration: underline; }
.footer-social { display: flex; gap: 12px; margin-top: 18px; }
.footer-social a {
  display: flex; align-items: center; gap: 6px;
  font-size: 12.5px; font-weight: 600; color: #94A3B8;
  border: 1px solid rgba(255,255,255,0.15); border-radius: 999px;
  padding: 6px 14px; transition: all 0.2s;
}
.footer-social a svg { width: 14px; height: 14px; }
.footer-social a:hover { color: #fff; border-color: rgba(255,255,255,0.4); background: rgba(255,255,255,0.06); }
.footer-links h4 {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 700;
  color: #fff; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px;
}
.footer-links ul { list-style: none; }
.footer-links ul li { margin-bottom: 9px; }
.footer-links ul a { font-size: 13.5px; color: #94A3B8; transition: color 0.15s; }
.footer-links ul a:hover { color: #fff; }
.footer-cta {
  display: block; background: var(--blue); color: #fff;
  padding: 11px 18px; border-radius: var(--radius-sm); text-align: center;
  font-size: 13.5px; font-weight: 700; font-family: 'Montserrat', sans-serif;
  margin-bottom: 10px; transition: background 0.2s;
}
.footer-cta:hover { background: var(--blue-dk); }
.footer-cta-outline {
  background: transparent !important; color: #94A3B8 !important;
  border: 1.5px solid rgba(255,255,255,0.18);
}
.footer-cta-outline:hover { background: rgba(255,255,255,0.06) !important; color: #fff !important; }
.footer-disclaimers { background: #060F1A; padding: 28px 5%; }
.footer-disc-inner { max-width: 1280px; margin: 0 auto; }
.footer-disc-inner p { font-size: 11.5px; color: #64748B; margin-bottom: 6px; line-height: 1.6; }

/* ── FAB ── */
.fab {
  display: none; position: fixed; bottom: 22px; right: 22px;
  width: 56px; height: 56px; background: var(--blue);
  border-radius: 50%;
  align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(0,114,198,0.4);
  z-index: 300; transition: background 0.2s, transform 0.2s;
}
.fab svg { width: 24px; height: 24px; }
.fab:hover { background: var(--blue-dk); transform: scale(1.06); }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .cards-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .about-layout { gap: 40px; }
  .checklist-layout { gap: 36px; }
  .contact-layout { gap: 36px; }
}
@media (max-width: 820px) {
  .hero { padding: 70px 5% 80px; }
  .cards-grid-3 { grid-template-columns: 1fr; }
  .checklist-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .about-layout { grid-template-columns: 1fr; }
  .process-row { flex-direction: column; }
  .process-arrow { transform: rotate(90deg); align-self: center; }
  .form-row-2 { grid-template-columns: 1fr; }
  .hamburger { display: flex; }
  .nav-inner { padding: 0 16px; }
  /* backdrop-filter makes nav the containing block for fixed children,
     which clipped the drawer inside the 72px bar. Disable it on mobile. */
  nav { backdrop-filter: none; -webkit-backdrop-filter: none; background: #fff; }
  .nav-links {
    display: none; position: fixed;
    top: var(--nav-h); right: 0; bottom: 0;
    width: 270px; background: var(--white);
    flex-direction: column; align-items: stretch;
    padding: 16px; gap: 4px; overflow-y: auto;
    border-left: 1.5px solid var(--border); z-index: 999;
    box-shadow: -6px 0 24px rgba(0,0,0,.14);
    background: #FFFFFF;
    pointer-events: auto;
    -webkit-overflow-scrolling: touch;
  }
  .nav-links.open { display: flex; }
  .nav-links a {
    pointer-events: auto;
    touch-action: manipulation;
    -webkit-tap-highlight-color: rgba(0,114,198,.14);
  }
  /* nav is sticky w/ z-index:200, which creates a stacking context — the
     drawer lives inside it, so the overlay MUST stay below 200 or it
     paints over the drawer and eats the taps. */
  .mobile-overlay { z-index: 190; }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a { font-size: 15.5px; padding: 13px 14px; }
  .fab { display: flex; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .plan-card { flex-direction: column; gap: 14px; }
  .promo-inner { flex-direction: column; text-align: center; }
  .top-bar-contact { display: none; }
}
@media (max-width: 480px) {
  .section { padding: 52px 4%; }
  .hero { padding: 52px 4% 60px; }
  .trust-bar { padding: 16px 4%; gap: 14px; }
  .logo-name { font-size: 12px; }
  .hero h1 { font-size: 28px; }
}

/* ══ ENROLLMENT BAND ══ */
.enroll-band {
  background: linear-gradient(120deg, var(--green-dk, #007A3D), var(--green));
  padding: 44px 5%;
}
.enroll-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; gap: 28px; flex-wrap: wrap;
}
.enroll-icon {
  width: 60px; height: 60px; flex-shrink: 0;
  background: rgba(255,255,255,.18); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.enroll-icon svg { width: 30px; height: 30px; }
.enroll-text { flex: 1; min-width: 260px; }
.enroll-tag {
  display: inline-block; font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; color: #BBF7D0; margin-bottom: 6px;
}
.enroll-text h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.6vw, 28px); font-weight: 800;
  color: #fff; margin-bottom: 6px; line-height: 1.2;
}
.enroll-text p { font-size: 15px; color: rgba(255,255,255,.88); max-width: 540px; }
.enroll-btn {
  flex-shrink: 0; background: #fff; color: var(--green-dk, #007A3D);
  padding: 15px 30px; border-radius: var(--radius-sm);
  font-family: 'Montserrat', sans-serif;
  font-size: 15px; font-weight: 800;
  transition: transform .18s, background .18s;
  white-space: nowrap;
}
.enroll-btn:hover { background: #ECFDF5; transform: translateY(-2px); }
@media (max-width: 820px) {
  .enroll-inner { flex-direction: column; text-align: center; gap: 18px; }
  .enroll-btn { width: 100%; text-align: center; padding: 16px; }
  .enroll-text p { margin: 0 auto; }
}

/* ══ MOBILE FIXES ══ */
@media (max-width: 820px) {
  /* iOS auto-zooms when an input's font-size is under 16px */
  .form-group input,
  .form-group select,
  .form-group textarea { font-size: 16px; }

  /* Bigger tap targets on the checklist rows */
  .checklist-item { padding: 16px 16px; }
  .chk-box { width: 26px; height: 26px; }
  .chk-box svg { width: 15px; height: 15px; }

  /* Keep the floating call button clear of the submit button */
  .fab { bottom: calc(16px + env(safe-area-inset-bottom, 0px)); right: 16px; }
  .form-body { padding-bottom: 28px; }

  /* Respect notch / home indicator */
  body { padding-bottom: env(safe-area-inset-bottom, 0px); }
}

/* Hide the floating call button while the mobile drawer is open */
body.menu-open .fab { display: none !important; }