/* FWB OACP & OAFM — 2026 Redesign */
:root {
    --bg-base: #ffffff;
    --bg-warm: #f9f8f6;
    --bg-cta-soft: #dff2fb;
    --bg-warning: #fff8e6;

    --brand-cerulean: #22ade3;
    --brand-cerulean-dark: #1796c7;
    --brand-navy: #0f172a;
    --brand-gold: #f5b342;
    --brand-gold-hover: #e5a532;
    --brand-gold-text: #0f172a;

    --text-default: #0f172a;
    --text-muted: #475569;
    --text-light: #64748b;
    --text-on-dark: #ffffff;
    --text-on-dark-muted: #94a3b8;

    --border-subtle: rgba(15, 23, 42, 0.08);
    --border-medium: rgba(15, 23, 42, 0.14);

    --success: #10b981;
    --danger: #f43f5e;
    --warning-icon: #f59e0b;

    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --btn-radius: 8px;

    --shadow-soft: 0 4px 20px -6px rgba(15, 23, 42, 0.08);
    --shadow-card: 0 12px 40px -12px rgba(15, 23, 42, 0.12);
    --maxw: min(1180px, 94vw);

    font-size: clamp(14px, 0.85vw + 11px, 16px);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    margin: 0;
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    color: var(--text-default);
    background: var(--bg-base);
    line-height: 1.6;
}

h1, h2, h3, h4, .form-heading {
    font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
    font-weight: 800;
    letter-spacing: -0.025em;
    line-height: 1.15;
}

a {
    color: var(--brand-cerulean);
    text-decoration-thickness: 2px;
    text-underline-offset: 3px;
}

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

.skip-link {
    position: absolute;
    left: 1rem;
    top: -4rem;
    background: #fff;
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-sm);
    z-index: 1000;
    font-weight: 700;
    text-decoration: none;
    box-shadow: var(--shadow-card);
}

.skip-link:focus { top: 1rem; }

.site-shell { min-height: 100vh; display: flex; flex-direction: column; }
main { flex: 1; }

.section { padding-block: clamp(3rem, 5vw, 5rem); padding-inline: 1.25rem; }
.section-inner { max-width: var(--maxw); margin-inline: auto; }
.section-muted { background: var(--bg-warm); }
.section-header-center { text-align: center; max-width: 56ch; margin-inline: auto; margin-bottom: 2.5rem; }
.subhead { color: var(--text-muted); font-size: 1.05rem; margin: 0; line-height: 1.6; }

/* Pill badges (PDF eyebrow / label style) */
.pill-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    width: fit-content;
    padding: 0.4rem 0.9rem;
    border-radius: 999px;
    background: rgba(34, 173, 227, 0.07);
    border: 1px solid rgba(34, 173, 227, 0.35);
    font-size: 0.68rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #0891b2;
    line-height: 1.3;
    margin: 0 0 0.85rem;
}

.pill-badge-center { margin-inline: auto; }

.pill-badge-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--brand-gold);
    flex-shrink: 0;
    box-shadow: 0 0 0 2px rgba(245, 179, 66, 0.25);
}

.pill-badge-plan {
    font-size: 0.65rem;
    padding: 0.3rem 0.7rem;
    margin: 0;
    letter-spacing: 0.08em;
}

.plan-tier-head {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.45rem 0.65rem;
    margin-bottom: 1.1rem;
}

.section-header-center .pill-badge { margin-bottom: 1rem; }

.closing-card .pill-badge { margin-bottom: 1rem; }

/* Header */
.site-header {
    background: #fff;
    border-bottom: 1px solid var(--border-subtle);
    position: sticky;
    top: 0;
    z-index: 100;
}

.site-header-inner {
    max-width: var(--maxw);
    margin-inline: auto;
    padding: 0.85rem 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand-link { text-decoration: none; display: inline-flex; align-items: center; }
.nav-actions { display: flex; align-items: center; gap: 0.75rem; }
.brand-mark img { max-height: 40px; width: auto; display: block; }

/* Association bar */
.assoc-bar {
    background: var(--brand-cerulean);
    border-bottom: 1px solid rgba(34, 173, 227, 0.15);
    padding: 0.65rem 1.25rem;
}

.assoc-bar-inner {
    max-width: var(--maxw);
    margin-inline: auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
}

.assoc-bar-label {
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.assoc-logos { display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; }

.assoc-logo-link {
    display: inline-flex;
    align-items: center;
    padding: 0.35rem 0.75rem;
    background: #fff;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-subtle);
    text-decoration: none;
}

.assoc-logo-link img { max-height: 40px; width: auto; max-width: 180px; object-fit: contain; }

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    border-radius: var(--btn-radius);
    padding: 0.7rem 1.35rem;
    font-weight: 700;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 0.9rem;
    text-decoration: none;
    cursor: pointer;
    border: 1px solid transparent;
    transition: background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}

.btn-cerulean {
    background: var(--brand-cerulean);
    color: #fff;
    box-shadow: 0 6px 16px -4px rgba(34, 173, 227, 0.45);
}

.btn-cerulean:hover {
    background: var(--brand-cerulean-dark);
    color: #fff;
    transform: translateY(-1px);
}

.btn-primary {
    background: var(--brand-gold);
    color: var(--brand-gold-text);
    box-shadow: 0 6px 16px -4px rgba(245, 179, 66, 0.5);
}

.btn-primary:hover {
    background: var(--brand-gold-hover);
    color: var(--brand-gold-text);
    transform: translateY(-1px);
}

.btn-block { width: 100%; }

/* Hero */
.hero-light {
    position: relative;
    background:
        radial-gradient(circle at 85% 15%, rgba(34, 173, 227, 0.12), transparent 45%),
        radial-gradient(circle at 10% 80%, rgba(34, 173, 227, 0.08), transparent 40%),
        linear-gradient(180deg, #f8fcff 0%, #ffffff 100%);
    overflow: hidden;
}

.hero-light::before,
.hero-light::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
    opacity: 0.35;
}

.hero-light::before {
    width: 420px;
    height: 420px;
    top: -120px;
    right: -80px;
    background: radial-gradient(circle, rgba(34, 173, 227, 0.2), transparent 70%);
}

.hero-light::after {
    width: 300px;
    height: 300px;
    bottom: -60px;
    left: -40px;
    background: radial-gradient(circle, rgba(34, 173, 227, 0.12), transparent 70%);
}

.hero {
    max-width: var(--maxw);
    margin-inline: auto;
    padding: clamp(2.5rem, 5vw, 4.5rem) 1.25rem;
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: clamp(2rem, 4vw, 3.5rem);
    align-items: start;
    position: relative;
    z-index: 1;
}

.hero-overline {
    margin-bottom: 1rem;
}

.hero h1 {
    font-size: clamp(1.55rem, 2.4vw + 0.75rem, 2.35rem);
    color: var(--brand-navy);
    margin: 0 0 1rem;
    line-height: 1.2;
    text-transform: uppercase;
    letter-spacing: 0.02em;
}

.lead-copy {
    color: var(--text-muted);
    font-size: 1.02rem;
    line-height: 1.65;
    margin: 0 0 1.25rem;
    max-width: 52ch;
}

.lead-copy-fomo {
    color: var(--brand-navy);
    font-size: 0.98rem;
    line-height: 1.6;
    padding: 0.85rem 1rem;
    background: rgba(245, 179, 66, 0.08);
    border-left: 3px solid var(--brand-gold);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.lead-copy-fomo strong {
    color: var(--brand-navy);
    font-weight: 800;
}

.hero-opportunity-card {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    padding: 0.9rem 1rem;
    margin-bottom: 0.75rem;
    background: #fff;
    border: 1px solid rgba(245, 179, 66, 0.35);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-soft);
}

.hero-opportunity-icon {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
    border-radius: 6px;
    background: rgba(245, 179, 66, 0.15);
    color: var(--brand-gold);
    display: grid;
    place-items: center;
    font-size: 0.85rem;
    line-height: 1;
}

.hero-opportunity-text {
    font-size: 0.9rem;
    color: var(--brand-navy);
    line-height: 1.4;
}

.hero-opportunity-text strong {
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.hero-promise-cards {
    list-style: none;
    margin: 0 0 1.5rem;
    padding: 0;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.65rem;
}

.hero-promise-card {
    display: flex;
    align-items: flex-start;
    gap: 0.55rem;
    padding: 0.85rem 0.75rem;
    background: #fff;
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-soft);
}

.hero-promise-icon {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
    border-radius: 6px;
    background: rgba(34, 173, 227, 0.12);
    color: var(--brand-cerulean);
    display: grid;
    place-items: center;
    font-size: 0.78rem;
    font-weight: 900;
}

.hero-promise-text {
    font-size: 0.82rem;
    line-height: 1.4;
    color: var(--text-default);
}

.hero-promise-text strong { font-weight: 700; }

.hero-cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    align-items: center;
}

/* Form card */
.form-section { position: sticky; top: 110px; align-self: start; }

.forms-card {
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-subtle);
    box-shadow: var(--shadow-card);
    overflow: hidden;
}

.forms-card-inner { padding: 1.75rem 1.65rem; }

.form-kicker {
    margin-bottom: 0.85rem;
}

.form-heading {
    font-size: clamp(1.35rem, 2.2vw, 1.55rem);
    color: var(--brand-navy);
    margin: 0 0 0.45rem;
}

.form-subhead {
    font-size: 0.88rem;
    color: var(--text-muted);
    margin: 0 0 1.35rem;
    line-height: 1.55;
}

.field-grid { display: grid; gap: 1rem; }

.field { display: grid; gap: 0.35rem; }
.field-span-2 { grid-column: 1 / -1; }

.field label,
.interest-group-label {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--brand-navy);
    text-transform: none;
    letter-spacing: 0;
    margin: 0 0 0.65rem;
}

input:not([type='checkbox']), select {
    padding: 0.72rem 0.85rem;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(15, 23, 42, 0.12);
    background: #fff;
    font-family: inherit;
    font-size: 0.9rem;
    color: var(--brand-navy);
    width: 100%;
}

select:disabled {
    background: #f8fafc;
    color: var(--text-light);
    cursor: not-allowed;
}

input::placeholder {
    color: #94a3b8;
}

input:not([type='checkbox']):focus, select:focus {
    outline: none;
    border-color: var(--brand-cerulean);
    box-shadow: 0 0 0 3px rgba(34, 173, 227, 0.15);
}

.honeypot { display: none; }

.interest-group {
    margin: 0;
    padding: 0;
    border: none;
}

.interest-required-note {
    font-weight: 500;
    color: var(--text-light);
}

.interest-options {
    display: grid;
    gap: 0.55rem;
}

.interest-option {
    display: flex;
    gap: 0.6rem;
    align-items: flex-start;
    font-size: 0.84rem;
    font-weight: 500;
    color: var(--text-muted);
    line-height: 1.45;
    cursor: pointer;
}

.interest-option input[type='checkbox'] {
    width: 16px;
    height: 16px;
    margin-top: 0.15rem;
    flex-shrink: 0;
    accent-color: var(--brand-cerulean);
}

.interest-error {
    margin: 0.55rem 0 0;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--danger);
}

.form-actions {
    margin-top: 0.15rem;
}

.form-next-step {
    font-size: 0.78rem;
    color: var(--text-light);
    line-height: 1.55;
    margin: 0.85rem 0 0;
    padding-top: 0.85rem;
    border-top: 1px solid var(--border-subtle);
}

.form-next-step strong {
    color: var(--brand-navy);
}

.form-success-message {
    margin-top: 1rem;
    margin-bottom: 0;
}

.flash {
    padding: 0.75rem 1rem;
    border-radius: var(--radius-sm);
    font-size: 0.88rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

.flash-good { background: rgba(16, 185, 129, 0.08); border: 1px solid rgba(16, 185, 129, 0.25); color: #047857; }
.flash-danger { background: rgba(244, 63, 94, 0.08); border: 1px solid rgba(244, 63, 94, 0.25); color: #be123c; }

.two-col-rows {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.85rem;
}

/* Plan selection */
#plans.section-muted {
    background: #f8f9fa;
}

.plans-section-header {
    max-width: 680px;
    margin-bottom: 2rem;
}

.plans-section-header .pill-badge-outline {
    background: #fff;
    border: 1px solid rgba(15, 23, 42, 0.1);
    color: var(--brand-cerulean);
    font-size: 0.62rem;
    padding: 0.38rem 0.9rem;
    letter-spacing: 0.12em;
    margin-bottom: 1.25rem;
}

.plans-section-header h2 {
    color: var(--brand-navy);
    font-size: clamp(1.85rem, 3.5vw, 2.35rem);
    margin: 0 0 1rem;
}

.plans-section-header .subhead {
    color: #4b5563;
    font-size: 1.05rem;
    line-height: 1.65;
    max-width: 620px;
    margin-inline: auto;
}

.plan-toggle-row { display: flex; justify-content: center; margin-bottom: 2.25rem; }

.plan-toggle {
    display: inline-flex;
    background: #fff;
    border: 1px solid rgba(15, 23, 42, 0.08);
    border-radius: var(--radius-md);
    padding: 5px;
    box-shadow: 0 2px 10px rgba(15, 23, 42, 0.05);
    min-width: min(100%, 340px);
}

.plan-toggle-btn {
    border: none;
    background: transparent;
    flex: 1;
    min-width: 96px;
    padding: 0.65rem 1.35rem;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--brand-navy);
    border-radius: var(--btn-radius);
    cursor: pointer;
    transition: background 0.15s ease, color 0.15s ease, box-shadow 0.15s ease;
}

.plan-toggle-btn[aria-pressed='true'] {
    background: var(--brand-cerulean);
    color: #fff;
    font-weight: 700;
    box-shadow: 0 2px 8px rgba(34, 173, 227, 0.3);
}

.plans-layout {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    align-items: stretch;
}

.plan-card {
    background: #fff;
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-lg);
    padding: 1.75rem 1.65rem;
    box-shadow: var(--shadow-soft);
    display: flex;
    flex-direction: column;
    gap: 0;
}

.plan-tier-sub {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin: 0;
    line-height: 1.4;
    flex: 1;
    min-width: 140px;
}

.pill-badge-standard {
    background: rgba(34, 173, 227, 0.1);
    border-color: rgba(34, 173, 227, 0.35);
    color: #0891b2;
    text-transform: uppercase;
}

.pill-badge-luxury {
    background: rgba(15, 23, 42, 0.6);
    border: 1px solid var(--brand-gold);
    color: var(--brand-gold);
    text-transform: uppercase;
}

.plan-price {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: clamp(2rem, 3.5vw, 2.65rem);
    font-weight: 800;
    color: var(--brand-navy);
    margin: 0 0 0.35rem;
    line-height: 1;
    display: flex;
    align-items: baseline;
    gap: 0.15rem;
}

.plan-price span {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-muted);
}

.plan-coverage-tier {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-light);
    margin: 0 0 1.25rem;
}

.plan-feature-list {
    list-style: none;
    margin: 0 0 1.5rem;
    padding: 0;
    display: grid;
    gap: 0.65rem;
}

.plan-feature-list li {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--brand-navy);
    line-height: 1.4;
}

.plan-feature-icon {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    color: var(--brand-cerulean);
}

.plan-feature-list-luxury li {
    color: rgba(255, 255, 255, 0.92);
}

.plan-feature-list-luxury .plan-feature-icon {
    color: var(--brand-gold);
}

.plan-card-actions {
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
    margin-top: auto;
}

.btn-outline-plan {
    background: #fff;
    color: var(--brand-cerulean);
    border: 1px solid var(--brand-cerulean);
    text-decoration: none;
    font-weight: 700;
    padding: 0.7rem 1.25rem;
    text-align: center;
}

.btn-outline-plan:hover {
    background: rgba(34, 173, 227, 0.06);
    color: var(--brand-cerulean-dark);
}

/* Luxury card — dark navy */
.plan-card-featured {
    background: linear-gradient(160deg, #0f172a 0%, #1a2744 100%);
    border-color: rgba(34, 173, 227, 0.15);
    color: #fff;
}

.plan-card-featured .plan-tier-sub { color: rgba(255, 255, 255, 0.75); }
.plan-card-featured .plan-price { color: #fff; }
.plan-card-featured .plan-price span { color: rgba(255, 255, 255, 0.55); }
.plan-card-featured .plan-coverage-tier {
    color: rgba(255, 255, 255, 0.65);
    font-weight: 600;
}

.plans-details-trigger {
    display: flex;
    justify-content: center;
    margin-top: 1.5rem;
}

.plans-details-btn {
    min-width: min(100%, 320px);
}

.coverage-details {
    margin-top: 1.75rem;
}

.coverage-compare-header {
    display: grid;
    grid-template-columns: minmax(120px, 1.35fr) minmax(90px, 1fr) minmax(90px, 1fr);
    margin-bottom: 0.85rem;
    background: #fff;
    border: 1px solid rgba(15, 23, 42, 0.1);
    border-radius: 999px;
    overflow: hidden;
    box-shadow: 0 2px 10px rgba(15, 23, 42, 0.04);
}

.coverage-compare-col {
    display: flex;
    align-items: center;
    padding: 0.8rem 1.15rem;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 0.62rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    text-align: left;
    line-height: 1.2;
    border-right: 1px solid rgba(15, 23, 42, 0.08);
}

.coverage-compare-col:last-child {
    border-right: none;
}

.coverage-compare-label {
    color: var(--brand-navy);
}

.coverage-compare-standard {
    color: var(--brand-cerulean);
}

.coverage-compare-luxury {
    color: var(--brand-gold);
    background: linear-gradient(180deg, #f8f9fb 0%, #f3f4f6 100%);
}

.coverage-accordion {
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: #fff;
    box-shadow: var(--shadow-soft);
}

.coverage-accordion-item + .coverage-accordion-item {
    border-top: 1px solid var(--border-subtle);
}

.coverage-accordion-trigger {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.25rem;
    border: none;
    background: #fff;
    font-family: inherit;
    text-align: left;
    cursor: pointer;
    transition: background 0.15s ease;
}

.coverage-accordion-trigger:hover {
    background: #fafbfc;
}

.coverage-accordion-trigger[aria-expanded='true'] {
    background: #fafbfc;
}

.coverage-accordion-heading {
    display: grid;
    gap: 0.2rem;
}

.coverage-accordion-heading strong {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--brand-navy);
}

.coverage-accordion-sub {
    font-size: 0.82rem;
    color: var(--text-light);
    line-height: 1.45;
}

.coverage-accordion-chevron {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    color: var(--text-light);
    transition: transform 0.2s ease;
}

.coverage-accordion-trigger[aria-expanded='true'] .coverage-accordion-chevron {
    transform: rotate(180deg);
}

.coverage-accordion-panel {
    padding: 0;
    background: #fff;
    border-top: 1px solid var(--border-subtle);
}

.coverage-compare-table {
    width: 100%;
    table-layout: fixed;
    border-collapse: collapse;
    font-size: 0.86rem;
}

.coverage-col-benefit { width: 40%; }
.coverage-col-standard { width: 30%; }
.coverage-col-luxury { width: 30%; }

.coverage-compare-table th[scope='row'],
.coverage-compare-table .coverage-col-benefit,
.coverage-compare-table .coverage-col-standard,
.coverage-compare-table .coverage-col-luxury {
    padding: 0.8rem 1.15rem;
    vertical-align: top;
    line-height: 1.45;
    border-bottom: 1px solid rgba(15, 23, 42, 0.08);
}

.coverage-compare-table th[scope='row'],
.coverage-compare-table .coverage-col-benefit {
    font-weight: 700;
    color: var(--brand-navy);
    text-align: left;
    background: #fff;
    border-right: 1px solid rgba(15, 23, 42, 0.08);
}

.coverage-compare-table .coverage-col-standard {
    color: var(--brand-navy);
    text-align: left;
    background: #fff;
    border-right: 1px solid rgba(15, 23, 42, 0.08);
    font-weight: 500;
}

.coverage-compare-table .coverage-col-luxury {
    color: var(--brand-navy);
    text-align: left;
    background: linear-gradient(180deg, #f8f9fb 0%, #f3f4f6 100%);
    font-weight: 500;
}

.coverage-compare-table tr:last-child th,
.coverage-compare-table tr:last-child td {
    border-bottom: none;
}

.coverage-row-detail {
    display: block;
    margin-top: 0.2rem;
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--text-light);
    line-height: 1.4;
}

.coverage-cell-intro {
    margin: 0 0 0.35rem;
    font-size: 0.86rem;
    line-height: 1.45;
    color: var(--text-muted);
}

.coverage-cell-list {
    margin: 0;
    padding-left: 1.1rem;
    font-size: 0.86rem;
    line-height: 1.5;
    color: var(--text-muted);
}

.coverage-cell-list li + li {
    margin-top: 0.2rem;
}

.plans-enroll-cta {
    margin-top: 2rem;
    padding: 2rem 1.5rem;
    background: var(--bg-cta-soft);
    border-radius: var(--radius-lg);
    text-align: center;
}

.plans-enroll-cta p {
    margin: 0 auto 1.15rem;
    max-width: 52ch;
    font-size: 0.95rem;
    color: #4b5563;
    line-height: 1.6;
}

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Why choose */
.why-layout {
    display: grid;
    grid-template-columns: minmax(280px, 0.92fr) minmax(320px, 1.08fr);
    gap: clamp(2.5rem, 5vw, 4rem);
    align-items: start;
}

.why-intro .pill-badge {
    margin-bottom: 1rem;
}

.why-intro h2 {
    margin-bottom: 0.85rem;
}

.why-intro .subhead {
    margin-bottom: 1.75rem;
}

.stat-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem 2.5rem;
    margin-top: 0;
    padding: 2.5rem 2.25rem;
    background: #f4f7fb;
    border: none;
    border-radius: var(--radius-lg);
}

.stat-box {
    padding: 0;
    background: none;
    border: none;
    box-shadow: none;
    text-align: left;
}

.stat-value {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: clamp(2rem, 2.8vw, 2.5rem);
    font-weight: 800;
    color: var(--brand-cerulean);
    line-height: 1;
    margin: 0 0 0.5rem;
}

.stat-label {
    font-size: 1rem;
    font-weight: 500;
    color: #334155;
    margin: 0;
    line-height: 1.45;
}

.numbered-benefits {
    list-style: none;
    margin: 0;
    padding: 0.15rem 0 0;
    display: grid;
    gap: 0;
    --numbered-badge-size: 32px;
    --numbered-badge-radius: 8px;
    --numbered-item-gap: 2.25rem;
}

.numbered-benefit {
    display: grid;
    grid-template-columns: var(--numbered-badge-size) 1fr;
    gap: 0 1.1rem;
    align-items: start;
    position: relative;
    padding-bottom: var(--numbered-item-gap);
}

.numbered-benefit:last-child {
    padding-bottom: 0;
}

.numbered-benefit:not(:last-child)::after {
    content: '';
    position: absolute;
    left: calc(var(--numbered-badge-size) / 2);
    top: var(--numbered-badge-size);
    bottom: 0;
    width: 2px;
    background: rgba(148, 163, 184, 0.4);
    transform: translateX(-50%);
}

.numbered-badge {
    width: var(--numbered-badge-size);
    height: var(--numbered-badge-size);
    border-radius: var(--numbered-badge-radius);
    background: var(--brand-cerulean);
    color: #fff;
    display: grid;
    place-items: center;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-weight: 800;
    font-size: 0.82rem;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
}

.numbered-benefit-body {
    padding-top: 0.2rem;
}

.numbered-benefit h3 {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 1rem;
    font-weight: 800;
    margin: 0 0 0.35rem;
    color: var(--brand-navy);
    line-height: 1.3;
}

.numbered-benefit p {
    font-size: 0.88rem;
    color: var(--text-light);
    margin: 0;
    line-height: 1.55;
}

/* Enrollment stack */
.section-enroll.section-muted {
    background: #f7f7f7;
}

.enroll-section-header {
    max-width: 640px;
    margin-bottom: 2rem;
}

.enroll-section-header .pill-badge-outline {
    margin-bottom: 1rem;
}

.enrollment-stack {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 0.85rem;
    max-width: 760px;
    margin-inline: auto;
}

.enrollment-card {
    background: #fff;
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-lg);
    padding: 1.25rem 1.35rem 1.35rem;
    box-shadow: var(--shadow-soft);
}

.enrollment-card-badges {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
    margin-bottom: 0.65rem;
    flex-wrap: wrap;
}

.enrollment-tag {
    display: inline-flex;
    align-items: center;
    padding: 0.28rem 0.7rem;
    border-radius: 999px;
    background: rgba(34, 173, 227, 0.1);
    border: 1px solid rgba(34, 173, 227, 0.22);
    font-size: 0.62rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #0891b2;
    line-height: 1.2;
}

.enrollment-tag-priority {
    background: rgba(16, 185, 129, 0.1);
    border-color: rgba(16, 185, 129, 0.28);
    color: #047857;
    margin-left: auto;
}

.enrollment-card h3 {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 1.05rem;
    font-weight: 800;
    margin: 0 0 0.45rem;
    color: var(--brand-navy);
    line-height: 1.3;
}

.enrollment-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin: 0;
    line-height: 1.55;
}

.section-enroll .warning-box {
    margin-top: 1.25rem;
    max-width: 760px;
    border-radius: var(--radius-lg);
    padding: 1.15rem 1.25rem;
}

.section-enroll .warning-icon {
    width: 32px;
    height: 32px;
    border-radius: var(--radius-sm);
    background: rgba(245, 158, 11, 0.22);
}

/* Warning boxes */
.warning-box {
    display: flex;
    gap: 0.85rem;
    align-items: flex-start;
    background: var(--bg-warning);
    border: 1px solid rgba(245, 158, 11, 0.25);
    border-radius: var(--radius-md);
    padding: 1.1rem 1.25rem;
    margin-top: 1.5rem;
    max-width: 800px;
    margin-inline: auto;
}

.warning-icon {
    width: 28px;
    height: 28px;
    flex-shrink: 0;
    border-radius: 50%;
    background: rgba(245, 158, 11, 0.2);
    color: var(--warning-icon);
    display: grid;
    place-items: center;
    font-weight: 900;
    font-size: 0.85rem;
}

.warning-box h4 { font-size: 0.92rem; margin: 0 0 0.25rem; color: var(--brand-navy); }
.warning-box p { font-size: 0.85rem; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* How to apply steps */
.steps-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}

.step-card {
    text-align: center;
    padding: 1rem 0.75rem;
}

.step-icon {
    width: 48px;
    height: 48px;
    margin: 0 auto 0.75rem;
    border-radius: var(--radius-md);
    background: rgba(34, 173, 227, 0.1);
    color: var(--brand-cerulean);
    display: grid;
    place-items: center;
}

.step-icon svg { width: 24px; height: 24px; }

.step-card h3 { font-size: 0.95rem; margin: 0 0 0.35rem; color: var(--brand-navy); }
.step-card p { font-size: 0.82rem; color: var(--text-muted); margin: 0; line-height: 1.45; }

/* Closing CTA */
.closing-card {
    background: var(--bg-cta-soft);
    border: 1px solid rgba(34, 173, 227, 0.2);
    border-radius: var(--radius-lg);
    padding: clamp(2rem, 5vw, 3.5rem) 1.5rem;
    text-align: center;
    box-shadow: var(--shadow-soft);
}

.closing-card h2 {
    font-size: clamp(1.75rem, 3vw, 2.5rem);
    color: var(--brand-navy);
    margin: 0 0 0.75rem;
    max-width: 28ch;
    margin-inline: auto;
}

.closing-copy {
    color: var(--text-muted);
    font-size: 1.02rem;
    max-width: 52ch;
    margin: 0 auto 1.5rem;
    line-height: 1.6;
}

.closing-disclosure {
    font-size: 0.78rem;
    color: var(--text-light);
    max-width: 70ch;
    margin: 1.75rem auto 0;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(15, 23, 42, 0.1);
    line-height: 1.55;
}

/* Footer */
.site-footer {
    background: linear-gradient(180deg, #0a1532 0%, #050a1a 100%);
    color: var(--text-on-dark);
    padding: 2.5rem 1.25rem 2rem;
}

.footer-split {
    max-width: var(--maxw);
    margin-inline: auto;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 2rem;
    align-items: start;
}

.footer-logo img { max-height: 48px; width: auto; filter: brightness(0) invert(1); }
.footer-logo-fallback { font-size: 1.5rem; font-weight: 800; color: #fff; }

.footer-contact-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 1.25rem 2rem;
    justify-content: flex-end;
}

.footer-contact-item {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 0.88rem;
    color: var(--text-on-dark-muted);
    text-decoration: none;
}

.footer-contact-item a { color: #fff; text-decoration: none; font-weight: 600; }
.footer-contact-item a:hover { color: var(--brand-cerulean); }

.footer-contact-item svg { width: 16px; height: 16px; flex-shrink: 0; opacity: 0.7; }

.footer-legal {
    grid-column: 1 / -1;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.5);
    text-align: center;
    padding-top: 1.5rem;
    margin-top: 0.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    line-height: 1.6;
}

.footer-legal a { color: rgba(255, 255, 255, 0.75); }

/* Responsive */
@media (max-width: 960px) {
    .hero { grid-template-columns: 1fr; }
    .form-section { position: relative; top: 0; }
    .hero-promise-cards { grid-template-columns: 1fr; }
    .plans-layout { grid-template-columns: 1fr; }
    .why-layout { grid-template-columns: 1fr; }
    .steps-row { grid-template-columns: repeat(2, 1fr); }
    .footer-split { grid-template-columns: 1fr; text-align: center; }
    .footer-contact-grid { justify-content: center; }
}

@media (max-width: 640px) {
    .two-col-rows { grid-template-columns: 1fr; }
    .field-span-2 { grid-column: auto; }
    .stat-grid { grid-template-columns: 1fr; }
    .steps-row { grid-template-columns: 1fr; }
    .plan-toggle { width: 100%; justify-content: stretch; }
    .plan-toggle-btn { flex: 1; padding-inline: 0.5rem; }
    .coverage-compare-header {
        grid-template-columns: 1.15fr 1fr 1fr;
    }
    .coverage-compare-col {
        padding: 0.7rem 0.75rem;
        font-size: 0.54rem;
        letter-spacing: 0.07em;
    }
    .coverage-compare-table th[scope='row'],
    .coverage-compare-table .coverage-col-benefit,
    .coverage-compare-table .coverage-col-standard,
    .coverage-compare-table .coverage-col-luxury {
        padding: 0.7rem 0.75rem;
    }
    .coverage-accordion-trigger { padding: 0.9rem 0.85rem; }
    .coverage-accordion-panel { overflow-x: auto; }
    .coverage-compare-table { min-width: 420px; }
    .plans-enroll-cta { padding: 1.5rem 1.15rem; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}