/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --color-text-primary: #111827;
    --color-text-secondary: #1f2937;
    --color-text-muted: #6b7280;
    --color-text-light: #d1d5db;
    --color-text-on-dark: #9ca3af;
    --color-text-disclaimer: #555;

    --color-bg-primary: #ffffff;
    --color-bg-secondary: #f9fafb;
    --color-bg-tertiary: #f3f4f6;
    --color-bg-input: #f8fafc;
    --color-bg-dark: #111827;
    --color-bg-dark-secondary: #1f2937;

    --color-brand-primary: #3967cb;
    --color-brand-primary-hover: #2a4d98;
    --color-brand-secondary: #eef2fa;

    --color-success: #16a34a;
    --color-success-hover: #15803d;
    --color-success-light-bg: #dcfce7;
    --color-success-light-text: #166534;

    --color-info-bg: #dbeafe;
    --color-info-border: #93c5fd;
    --color-info-text: #1e40af;

    --color-border-primary: #e5e7eb;
    --color-border-secondary: #d1d5db;
    --color-border-dark: #374151;

    --color-shadow-primary-focus: rgba(57, 103, 203, 0.5);
    --color-shadow-primary-hover: rgba(57, 103, 203, 0.4);
    --color-shadow-success-hover: rgba(22, 163, 74, 0.4);
    --color-shadow-focus: rgba(57, 103, 203, 0.1);
    --color-shadow-light: rgba(0, 0, 0, 0.1);
    --color-shadow-lighter: rgba(0, 0, 0, 0.06);
    --color-shadow-dark: rgba(0, 0, 0, 0.25);
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    line-height: 1.6;
    color: var(--color-text-secondary);
    background-color: var(--color-bg-primary);
}

.container {
    max-width: 1440px;
    margin: 0 auto;
    padding: 0 1rem;
}

.hidden {
    display: none !important;
}

a {
    color: inherit;
    text-decoration: none;
}

/* Typography */
h1 {
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-text-primary);
}

h2 {
    font-size: 2rem;
    font-weight: 700;
    line-height: 1.3;
    color: var(--color-text-primary);
}

h3 {
    font-size: 1.5rem;
    font-weight: 600;
    line-height: 1.4;
    color: var(--color-text-primary);
}

p {
    font-size: 1rem;
    line-height: 1.6;
    color: var(--color-text-muted);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.5rem;
    font-size: 0.875rem;
    font-weight: 600;
    text-decoration: none;
    border: none;
    border-radius: 0.5rem;
    cursor: pointer;
    transition: all 0.2s ease;
    outline: none;
    position: relative;
}

.btn:focus {
    box-shadow: 0 0 0 2px var(--color-shadow-primary-focus);
}

.btn-primary {
    background-color: var(--color-brand-primary);
    color: var(--color-bg-primary);
}

.btn-primary:hover {
    background-color: var(--color-brand-primary-hover);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px var(--color-shadow-primary-hover);
}

.btn-success {
    background-color: var(--color-success);
    color: var(--color-bg-primary);
}

.btn-success:hover {
    background-color: var(--color-success-hover);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px var(--color-shadow-success-hover);
}

.btn-outline {
    background-color: transparent;
    color: var(--color-brand-primary);
    border: 2px solid var(--color-brand-primary);
}

.btn-outline:hover {
    background-color: var(--color-brand-secondary);
}

.btn-lg {
    padding: 1rem 2rem;
    font-size: 1rem;
}

.btn-full {
    width: 100%;
}

/* Cards */
.card {
    background: var(--color-bg-primary);
    border-radius: 1rem;
    padding: 2rem;
    box-shadow: 0 4px 6px -1px var(--color-shadow-light), 0 2px 4px -1px var(--color-shadow-lighter);
    border: 1px solid var(--color-bg-tertiary);
}

/* Header */
.header {
    background: var(--color-bg-primary);
    border-bottom: 1px solid var(--color-border-primary);
    box-shadow: 0 1px 3px 0 var(--color-shadow-light);
    position: sticky;
    top: 0;
    z-index: 50;
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 4rem;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
}

.logo-icon {
    width: 2.5rem;
    height: 2.5rem;
/*     background: var(--color-brand-primary); */
    border-radius: 0.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.logo-icon span {
    color: var(--color-bg-primary);
    font-size: 1.125rem;
    font-weight: 700;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-main {
    font-size: 1rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--color-text-primary);
}
.logo-main-light {
    color: #ffffff;
}

.logo-sub {
    font-size: 0.58rem;
    font-weight: 600;
    text-transform: uppercase;
    color: var(--color-brand-primary);
    letter-spacing: 1px;
}
.logo-sub-light {
    color: var(--color-text-light);
}

.nav-desktop {
    display: none;
    gap: 2rem;
}

.nav-link {
    color: var(--color-text-muted);
    text-decoration: none;
    padding: 0.5rem 0.25rem;
    border-bottom: 2px solid transparent;
    transition: all 0.2s ease;
    font-size: 0.9rem;
}

.nav-link:hover {
    color: var(--color-brand-primary);
    border-bottom-color: var(--color-brand-primary);
}

.header-cta {
    display: none;
    align-items: center;
    gap: 1rem;
}

.phone-number {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--color-brand-primary);
    font-weight: 600;
}

.phone-icon {
    width: 1rem;
    height: 1rem;
}

.mobile-menu-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0.5rem;
    border: none;
    background: none;
    border-radius: 0.375rem;
    cursor: pointer;
    transition: background-color 0.2s ease;
}

.mobile-menu-btn:hover {
    background-color: var(--color-bg-tertiary);
}

.mobile-menu-btn svg {
    width: 1.5rem;
    height: 1.5rem;
    color: var(--color-border-dark);
}

.nav-mobile {
    border-top: 1px solid var(--color-border-primary);
    padding: 1rem 0;
}

.mobile-nav-content {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.mobile-nav-footer {
    padding-top: 1rem;
    border-top: 1px solid var(--color-border-primary);
    margin-top: 1rem;
}

/* Message Banner */
.message-banner {
    padding: 1rem 0;
    text-align: center;
}

.message-banner.success {
    background-color: var(--color-success-light-bg);
    color: var(--color-success-light-text);
    border-bottom: 1px solid #bbf7d0;
    /* This color is not in the palette, leaving as is */
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--color-brand-secondary) 0%, var(--color-bg-primary) 100%);
    padding: 4rem 0 6rem;
}

.hero-content {
    display: grid;
    gap: 3rem;
    align-items: center;
}

.hero-text {
    space-y: 2rem;
}

.hero h1 {
    font-size: 3rem;
    font-weight: 700;
    line-height: 1.1;
    color: var(--color-text-primary);
    margin-bottom: 1.5rem;
}

.hero-subtitle {
    font-size: 1.25rem;
    color: var(--color-text-muted);
    margin-bottom: 2rem;
}

.hero-actions {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-bottom: 2rem;
}

.phone-cta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--color-brand-primary);
}

.phone-cta .phone-icon {
    width: 1.25rem;
    height: 1.25rem;
}

.phone-label {
    font-size: 0.875rem;
    font-weight: 500;
    margin: 0;
}

.phone-number {
    font-size: 1.125rem;
    font-weight: 700;
    margin: 0;
}

.hero-stats {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.stat {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
    color: var(--color-text-muted);
}

.stat-icon {
    width: 1rem;
    height: 1rem;
}

.hero-image {
    border-radius: 1rem;
    overflow: hidden;
    box-shadow: 0 25px 50px -12px var(--color-shadow-dark);
    height: 24rem;
}

.hero-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Quote Form Section */
.quote-form-section {
    padding: 4rem 0;
    background: var(--color-bg-primary);
}

.quote-form-container {
    max-width: 38rem;
    margin: 0 auto;
}

.quote-form-header {
    text-align: center;
    margin-bottom: 1.5rem;
}

.quote-form-header h2 {
    margin-bottom: 0.5rem;
}

.quote-form-header p {
    color: var(--color-text-muted);
}

.quote-form {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

/* Form Styles */
.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.form-group.acceptance-group {
    margin-top: 1rem;
    margin-bottom: 1rem;
    border-top: 1px solid #f5f5f5;
    padding-top: 1rem;
}

.form-row {
    display: grid;
    gap: 1.5rem;
}

label {
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--color-border-dark);
}

input,
textarea {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid var(--color-border-secondary);
    border-radius: 0.5rem;
    font-size: 1rem;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    background-color: var(--color-bg-input);
}

input:focus,
textarea:focus {
    outline: none;
    border-color: var(--color-brand-primary);
    box-shadow: 0 0 0 3px var(--color-shadow-focus);
    background-color: var(--color-bg-primary);
}

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

.form-disclaimer {
    font-size: 0.75rem;
    color: var(--color-text-muted);
    text-align: center;
    margin-top: 1rem;
}

/* Section Styles */
.section-header {
    text-align: center;
    margin-bottom: 3rem;
    max-width: 48rem;
    margin-left: auto;
    margin-right: auto;
}

.section-header h2 {
    margin-bottom: 1rem;
}

.section-header p {
    font-size: 1.125rem;
    color: var(--color-text-muted);
}

.section-cta {
    text-align: center;
    margin-top: 3rem;
}

/* Why Choose Us */
.why-choose-us {
    padding: 4rem 0;
    background: var(--color-bg-secondary);
}

.features-grid {
    display: grid;
    gap: 1.5rem;
}

.feature-card {
    background: var(--color-bg-primary);
    padding: 1.5rem;
    border-radius: 1rem;
    text-align: center;
    box-shadow: 0 4px 6px -1px var(--color-shadow-light);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.feature-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px -3px var(--color-shadow-light);
}

.feature-icon {
    width: 4rem;
    height: 4rem;
    background: var(--color-brand-secondary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 1rem;
}

.feature-icon svg {
    width: 2rem;
    height: 2rem;
    color: var(--color-brand-primary);
}

.feature-card h3 {
    margin-bottom: 0.5rem;
}

/* How It Works */
.how-it-works {
    padding: 4rem 0;
    background: var(--color-bg-primary);
}

.steps-grid {
    display: grid;
    gap: 2rem;
    max-width: 64rem;
    margin: 0 auto;
}

.step {
    text-align: center;
}

.step-icon {
    position: relative;
    width: 6rem;
    height: 6rem;
    background: var(--color-brand-secondary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
}

.step-icon svg {
    width: 3rem;
    height: 3rem;
    color: var(--color-brand-primary);
}

.step-number {
    position: absolute;
    top: -0.5rem;
    right: -0.5rem;
    width: 2rem;
    height: 2rem;
    background: var(--color-brand-primary);
    color: var(--color-bg-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.875rem;
}

.step h3 {
    margin-bottom: 0.5rem;
}

/* Coverage Options */
.coverage-options {
    padding: 4rem 0;
    background: var(--color-bg-secondary);
}

.coverage-grid {
    display: grid;
    gap: 1.5rem;
}

.coverage-card {
    background: var(--color-bg-primary);
    padding: 1.5rem;
    border-radius: 1rem;
    box-shadow: 0 4px 6px -1px var(--color-shadow-light);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.coverage-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px -3px var(--color-shadow-light);
}

.coverage-icon {
    width: 3rem;
    height: 3rem;
    background: var(--color-brand-secondary);
    border-radius: 0.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
}

.coverage-icon svg {
    width: 2rem;
    height: 2rem;
    color: var(--color-brand-primary);
}

.coverage-card h3 {
    margin-bottom: 0.5rem;
}

/* CTA Banner */
.cta-banner {
    padding: 4rem 0;
    background: var(--color-brand-primary);
    color: var(--color-bg-primary);
}

.cta-content {
    text-align: center;
    max-width: 48rem;
    margin: 0 auto;
}

.cta-content h2 {
    color: var(--color-bg-primary);
    margin-bottom: 1.5rem;
}

/* Expert Support */
.expert-support {
    padding: 4rem 0;
    background: var(--color-bg-primary);
}

.expert-content {
    display: grid;
    gap: 3rem;
    align-items: center;
}

.expert-text h2 {
    margin-bottom: 1.5rem;
}

.expert-text p {
    font-size: 1.125rem;
    margin-bottom: 1.5rem;
}

.expert-features {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.feature {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.feature-icon {
    width: 1.25rem;
    height: 1.25rem;
    color: var(--color-success);
    flex-shrink: 0;
}

.expert-image {
    border-radius: 1rem;
    overflow: hidden;
    box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
    height: 20rem;
}

.expert-image img {
    width: 100%;
    height: 100%;
    ;
    object-fit: cover;
}

/* FAQ Section */
.faq-section {
    padding: 4rem 0;
    background: var(--color-bg-primary);
}

.faq-container {
    max-width: 48rem;
    margin: 0 auto;
}

.accordion {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.accordion-item {
    border: 1px solid var(--color-border-primary);
    border-radius: 0.5rem;
    overflow: hidden;
    box-shadow: 0 1px 3px 0 var(--color-shadow-light);
}

.accordion-trigger {
    width: 100%;
    padding: 1rem 1.5rem;
    background: var(--color-bg-primary);
    border: none;
    text-align: left;
    font-weight: 600;
    color: var(--color-text-primary);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: background-color 0.2s ease, color 0.2s ease;
}

.accordion-trigger:hover {
    background-color: var(--color-bg-secondary);
    color: var(--color-brand-primary);
}

.accordion-icon {
    width: 1.25rem;
    height: 1.25rem;
    transition: transform 0.2s ease;
}

.accordion-trigger.active .accordion-icon {
    transform: rotate(180deg);
}

.accordion-content {
    display: none;
    padding: 0 1.5rem 1rem;
    background: var(--color-bg-primary);
}

.accordion-content.active {
    display: block;
}

.faq-cta {
    text-align: center;
    margin-top: 3rem;
}

.faq-cta p {
    margin-bottom: 1rem;
}

.faq-actions {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

/* Contact Section */
.contact-section {
    padding: 4rem 0;
    background: var(--color-bg-secondary);
}

.contact-container {
    max-width: 48rem;
    margin: 0 auto;
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.disclaimer-box {
    margin-top: 2rem;
    padding: 1rem;
    background: var(--color-info-bg);
    border: 1px solid var(--color-info-border);
    border-radius: 0.5rem;
}

.disclaimer-box p {
    font-size: 0.875rem;
    color: var(--color-info-text);
    margin: 0;
}

/* Footer */
.footer {
    background: var(--color-bg-dark);
    color: var(--color-bg-primary);
    padding: 3rem 0;
}

.footer-content {
    display: grid;
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-section h3 {
    color: var(--color-bg-primary);
    margin-bottom: 1rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.footer-section p {
    color: var(--color-text-light);
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.contact-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.contact-icon {
    width: 1.25rem;
    height: 1.25rem;
    color: #60a5fa;
    /* This color is not in the palette, leaving as is */
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.footer-links a {
    color: var(--color-text-light);
    text-decoration: none;
    transition: color 0.2s ease;
}

.footer-links a:hover {
    color: var(--color-bg-primary);
}

.footer-disclaimer {
    padding-top: 2rem;
    border-top: 1px solid var(--color-border-dark);
}

.disclaimer-content {
    background: var(--color-bg-dark-secondary);
    padding: 1rem;
    border-radius: 0.5rem;
    margin-bottom: 1rem;
}

.disclaimer-content p {
    font-size: 0.875rem;
    color: var(--color-text-light);
    margin: 0;
}

.disclaimer-content strong {
    color: var(--color-bg-primary);
}

.footer-copyright {
    text-align: center;
}

.footer-copyright p {
    font-size: 0.875rem;
    color: var(--color-text-on-dark);
    margin: 0;
}

/* Add this to your style.css file */
.form-group .checkbox-group,
.form-group .radio-group {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    flex-direction: row;
}
.form-group .radio-group label {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-direction: row;
}
.checkbox-group input[type="checkbox"] {
    margin-top: 4px;
    flex-shrink: 0;
    width: 20px;
}

.checkbox-label {
    font-size: 0.8rem;
    color: #555;
    line-height: 1.4;
    text-align: justify;
}

.form-links {
    margin-top: 0.5rem;
    text-align: center;
    font-size: 0.8rem;
    display: flex;
    justify-content: center;
    gap: 14px;
    font-size: 0.8rem;
}

.form-links a {
    color: var(--color-brand-primary);
    text-decoration: underline;
}

.form-links a:hover {
    color: var(--color-brand-primary-hover);
}

/* Page Content for Privacy Policy, Terms, etc. */
.page-content {
    padding: 3rem 0;
    background-color: var(--color-bg-secondary);
}

.text-content {
    background-color: var(--color-bg-primary);
    padding: 2rem;
    border-radius: 0.5rem;
    box-shadow: 0 4px 6px -1px var(--color-shadow-light);
    margin: 0 auto;
}

.text-content h1,
.text-content h2,
.text-content h3 {
    margin-bottom: 1rem;
}

.text-content p {
    margin-bottom: 1.25rem;
}

.text-content ul,
.text-content ol {
    margin-bottom: 1.25rem;
    padding-left: 1.5rem;
}


/* Responsive Design */
@media (min-width: 640px) {
    .hero-actions {
        flex-direction: row;
        align-items: center;
    }

    .hero-stats {
        flex-direction: row;
        gap: 2rem;
    }

    .form-row {
        grid-template-columns: 1fr 1fr;
    }

    .faq-actions {
        flex-direction: row;
        justify-content: center;
    }
}

@media (min-width: 768px) {
    .hero-content {
        grid-template-columns: 1fr 1fr;
    }

    .expert-content {
        grid-template-columns: 1fr 1fr;
    }

    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .coverage-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .footer-content {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (min-width: 1200px) {
    .nav-desktop {
        display: flex;
    }

    .header-cta {
        display: flex;
    }

    .mobile-menu-btn {
        display: none;
    }

    .hero h1 {
        font-size: 3.5rem;
    }

    .features-grid {
        grid-template-columns: repeat(4, 1fr);
    }

    .coverage-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (min-width: 1280px) {
    .hero h1 {
        font-size: 4rem;
    }
}

/* Needed for BETA - adding life */

/* Insurance Type Switcher Links */
.nav-link-switch {
    color: var(--color-success) !important;
    font-weight: 600;
    border-bottom-color: var(--color-success) !important;
}

.nav-link-switch:hover {
    color: var(--color-success-hover) !important;
    border-bottom-color: var(--color-success-hover) !important;
}

.nav-link-switch-mobile {
    background: var(--color-success-light-bg);
    color: var(--color-success) !important;
    padding: 0.75rem 1rem;
    border-radius: 0.5rem;
    font-weight: 600;
    text-align: center;
    margin-top: 0.5rem;
}

.nav-link-switch-mobile:hover {
    background: var(--color-success);
    color: white !important;
}

/* Form Select Dropdown */
.form-select {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid var(--color-border-secondary);
    border-radius: 0.5rem;
    font-size: 1rem;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    background-color: var(--color-bg-input);
    cursor: pointer;
    font-family: inherit;
}

.form-select:focus {
    outline: none;
    border-color: var(--color-brand-primary);
    box-shadow: 0 0 0 3px var(--color-shadow-focus);
    background-color: var(--color-bg-primary);
}

.form-select option {
    padding: 0.5rem;
}

/* Responsive adjustments for switcher */
@media (min-width: 1200px) {
    .nav-link-switch {
        margin-left: 1rem;
        padding-left: 1rem;
    }
}