/* ==========================================================================
   INSURANCE PRICE HUB - PREMIUM STYLESHEET
   Aesthetics: Deep Space, Glowing Accents, Elegant Glassmorphism, Micro-animations
   ========================================================================== */

/* Variables & Base System */
:root {
  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;
  --font-outfit: 'Outfit', sans-serif;

  /* HSL Colors - Harmonized to match IPH Brand Identity */
  --bg-base: hsl(214, 25%, 97%);
  --bg-card: hsla(0, 0%, 100%, 0.95);
  --border-card: hsla(214, 20%, 85%, 0.6);
  --border-glow: hsla(217, 90%, 47%, 0.18);
  
  --primary-indigo: hsl(217, 90%, 47%);         /* Vivid Shield Blue */
  --primary-indigo-hover: hsl(217, 90%, 54%);
  --primary-indigo-glow: hsla(217, 90%, 47%, 0.08);
  
  --accent-cyber: hsl(41, 95%, 48%);            /* Gold Curved Arrow & Price Hub text */
  --accent-cyber-glow: hsla(41, 95%, 48%, 0.15);
  
  --success-emerald: hsl(142, 72%, 29%);
  --success-emerald-glow: hsla(142, 72%, 29%, 0.1);

  --text-main: hsl(215, 40%, 15%);
  --text-muted: hsl(215, 16%, 47%);
  --text-dark: hsl(215, 71%, 10%);              /* Dark Brand Navy background */
  
  --transition-smooth: all 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
  --transition-fast: all 0.15s ease-out;
}

/* Premium Dynamic Banner Background */
.banner-bg-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: -1;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.8s ease-in-out, visibility 0.8s ease-in-out;
}

body.has-banner-bg .banner-bg-wrapper {
  opacity: 1;
  visibility: visible;
}

.banner-bg-slide {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity 1.5s ease-in-out;
}

.banner-bg-slide.active {
  opacity: 1;
}

.banner-bg-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(circle at center, rgba(10, 29, 55, 0.55) 0%, rgba(10, 29, 55, 0.88) 80%);
  backdrop-filter: none; /* No blur on homepage landing for crisp backgrounds */
  -webkit-backdrop-filter: none;
  z-index: 2;
  transition: backdrop-filter 0.5s ease, background 0.5s ease;
}

body.funnel-active .banner-bg-overlay {
  background: radial-gradient(circle at center, rgba(10, 29, 55, 0.70) 0%, rgba(10, 29, 55, 0.96) 80%);
  backdrop-filter: blur(12px); /* Apply blur inside active funnel for maximum readability */
  -webkit-backdrop-filter: blur(12px);
}

/* Reset & Setup */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  overflow-x: hidden;
  overflow-y: auto;
  height: 100%;
}

body {
  background-color: var(--bg-base);
  color: var(--text-main);
  font-family: var(--font-sans);
  min-height: 100%;
  display: flex;
  flex-direction: column;
  position: relative;
  line-height: 1.6;
  overflow-x: hidden;
  overflow-y: visible;
  margin: 0;
  padding: 0;
  width: 100%;
}

/* Ambient Decorative Background Glows */
.ambient-glow {
  position: absolute;
  width: 45vw;
  height: 45vw;
  border-radius: 50%;
  filter: blur(140px);
  pointer-events: none;
  z-index: 0;
  opacity: 0.3;
}

.glow-top-left {
  top: -15vw;
  left: -10vw;
  background: radial-gradient(circle, var(--primary-indigo) 0%, transparent 70%);
}

.glow-bottom-right {
  bottom: -15vw;
  right: -10vw;
  background: radial-gradient(circle, var(--accent-cyber) 0%, transparent 70%);
}

/* App Header */
.navbar {
  background-color: rgba(255, 255, 255, 0.85); /* Default white glassmorphism background */
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 0.8rem 0;
  box-shadow: 0 4px 30px rgba(0, 0, 0, 0.02);
  transition: var(--transition-smooth);
}

.nav-container {
  max-width: 1200px; /* Expanded max-width for premium desktop feel */
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
}

.logo-img {
  height: 62px;
  width: 62px;
  object-fit: contain;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(10, 29, 55, 0.12);
  transition: var(--transition-smooth);
  cursor: pointer;
}

.logo:hover .logo-img {
  transform: scale(1.05);
}

.logo-text {
  font-family: var(--font-outfit);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  color: var(--text-dark) !important; /* Branded corporate navy */
  white-space: nowrap;
  display: inline-block;
}

.logo-accent {
  background: linear-gradient(135deg, var(--primary-indigo), var(--accent-cyber));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  font-weight: 800;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-grow: 1;
  justify-content: center;
}

.nav-link-item {
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--text-muted) !important;
  text-decoration: none !important;
  transition: var(--transition-fast);
  white-space: nowrap;
  position: relative;
  padding: 0.25rem 0;
}

.nav-link-item::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--primary-indigo), var(--accent-cyber));
  transition: var(--transition-fast);
}

.nav-link-item:hover {
  color: var(--primary-indigo) !important;
}

.nav-link-item:hover::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}

/* Header Button Custom Override to match premium styles */
.header-cta {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 0.9rem;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  padding: 0.6rem 1.2rem;
  background: linear-gradient(135deg, var(--primary-indigo), #003db3);
  color: #ffffff !important;
  box-shadow: 0 4px 12px rgba(0, 80, 223, 0.2);
  transition: var(--transition-smooth);
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.header-cta:hover {
  transform: translateY(-1.5px);
  box-shadow: 0 6px 16px rgba(0, 80, 223, 0.35);
  background: linear-gradient(135deg, var(--primary-indigo-hover), var(--primary-indigo));
}

.header-cta:active {
  transform: translateY(0);
}

/* Base styles for Mobile Hamburger & Menu Drawer */
.mobile-nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 0;
  z-index: 1001;
  margin-left: 0.75rem;
}

.hamburger-bar {
  width: 100%;
  height: 2.5px;
  background-color: var(--text-dark);
  border-radius: 2px;
  transition: var(--transition-smooth);
  transform-origin: left center;
}

.mobile-menu-drawer {
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  max-height: calc(100vh - 100%);
  overflow-y: auto;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  z-index: 999;
  display: flex;
  flex-direction: column;
  padding: 2rem 1.5rem;
  border-top: 1px solid rgba(15, 23, 42, 0.08);
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.08);
  transform: translateY(-10px);
  opacity: 0;
  visibility: hidden;
  transition: transform 0.3s cubic-bezier(0.25, 0.8, 0.25, 1), opacity 0.25s ease, visibility 0.25s ease;
}

.mobile-menu-drawer.active {
  transform: translateY(0);
  opacity: 1;
  visibility: visible;
}

/* Transform hamburger to X when active */
.mobile-nav-toggle.active .hamburger-bar:nth-child(1) {
  transform: rotate(45deg) translate(2px, -1px);
  background-color: var(--primary-indigo);
}

.mobile-nav-toggle.active .hamburger-bar:nth-child(2) {
  opacity: 0;
}

.mobile-nav-toggle.active .hamburger-bar:nth-child(3) {
  transform: rotate(-45deg) translate(2px, 1px);
  background-color: var(--primary-indigo);
}

.mobile-menu-content {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  align-items: center;
  width: 100%;
}

.mobile-menu-link {
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1.15rem;
  color: var(--text-muted) !important;
  text-decoration: none !important;
  transition: var(--transition-fast);
  width: 100%;
  text-align: center;
  padding: 0.6rem 0;
  border-bottom: 1px solid rgba(15, 23, 42, 0.04);
}

.mobile-menu-link:last-of-type {
  border-bottom: none;
}

.mobile-menu-link:hover,
.mobile-menu-link:active {
  color: var(--primary-indigo) !important;
  background-color: rgba(0, 80, 223, 0.04);
  border-radius: 8px;
}

.mobile-menu-cta {
  margin-top: 1rem;
  width: 100%;
  max-width: 280px;
}

@media (max-width: 991px) {
  .nav-menu {
    display: none; /* Hide desktop nav menu links on tablet & mobile to prevent crowding */
  }
  .nav-container {
    justify-content: space-between;
  }
  .mobile-nav-toggle {
    display: flex; /* Show hamburger toggle */
  }
}

@media (max-width: 600px) {
  .header-cta {
    padding: 0.5rem 1rem;
    font-size: 0.85rem;
  }
}

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

.badge-item {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.35rem 0.75rem;
  border-radius: 9999px;
  border: 1px solid;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.pipeda-badge {
  background-color: hsla(142, 70%, 45%, 0.08);
  border-color: hsla(142, 70%, 45%, 0.25);
  color: hsl(142, 70%, 65%);
}

.ribo-badge {
  background-color: hsla(188, 86%, 53%, 0.08);
  border-color: hsla(188, 86%, 53%, 0.25);
  color: hsl(188, 86%, 65%);
  display: none; /* Hide on mobile to conserve space, show on desktop */
}

@media (min-width: 640px) {
  .ribo-badge {
    display: inline-block;
  }
}

.dot-green {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--success-emerald);
  box-shadow: 0 0 8px var(--success-emerald);
}

/* App Layout & Hero */
.app-main {
  flex-grow: 1;
  max-width: 900px;
  width: 100%;
  margin: 0 auto;
  padding: 3rem 1.5rem;
  z-index: 10;
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

.intro-section {
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.hero-title {
  font-family: var(--font-outfit);
  font-weight: 800;
  font-size: 2.5rem;
  letter-spacing: -0.03em;
  line-height: 1.15;
}

.gradient-text {
  background: linear-gradient(135deg, var(--accent-cyber), var(--primary-indigo));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subtitle {
  color: var(--text-muted);
  max-width: 650px;
  margin: 0 auto;
  font-size: 1.05rem;
}

/* Premium Card Wrapper */
.interactive-card-container {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-radius: 24px;
  padding: 2.5rem;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.4), 
              0 0 40px hsla(245, 82%, 60%, 0.05);
  position: relative;
  overflow: hidden;
  transition: var(--transition-smooth);
}

/* Card Subtle Border Glow */
.interactive-card-container::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--primary-indigo), var(--accent-cyber), transparent);
}

/* Progress bar UI */
.progress-bar-wrapper {
  margin-bottom: 2rem;
}

.progress-info {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--text-muted);
}

.progress-track {
  width: 100%;
  height: 6px;
  background-color: hsla(217, 33%, 17%, 0.5);
  border-radius: 9999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent-cyber), var(--primary-indigo));
  border-radius: 9999px;
  transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Steps Form Panel Transition */
.form-step-panel {
  display: none;
  animation: fadeInSlide 0.45s cubic-bezier(0.25, 0.8, 0.25, 1) forwards;
}

.form-step-panel.active {
  display: block;
}

@keyframes fadeInSlide {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Panel Titles */
.panel-title {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 1.55rem;
  letter-spacing: -0.01em;
  margin-bottom: 0.5rem;
}

.panel-description {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 2rem;
}

/* Form Controls & Inputs */
.form-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 1.25rem;
}

@media (min-width: 640px) {
  .form-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.field-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-main);
  letter-spacing: 0.01em;
}

.form-input {
  background-color: hsla(222, 47%, 6%, 0.8);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  color: var(--text-main);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  padding: 0.75rem 1rem;
  border-radius: 12px;
  width: 100%;
  transition: var(--transition-fast);
  outline: none;
}

.form-input:focus {
  border-color: var(--primary-indigo);
  box-shadow: 0 0 0 3px var(--primary-indigo-glow);
}

.form-input::placeholder {
  color: hsla(215, 20%, 65%, 0.45);
}

/* Select Styling overrides */
.select-wrapper {
  position: relative;
}

.select-wrapper::after {
  content: '▼';
  font-size: 0.65rem;
  color: var(--text-muted);
  position: absolute;
  right: 1.1rem;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
}

.select-input {
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  padding-right: 2.5rem;
}

/* Specific Location Scroll Dropdown */
.scroll-dropdown-group {
  margin-bottom: 2rem;
}

.select-input option {
  background-color: #ffffff;
  color: #0f172a;
}

/* Sliding Contact Fields Panel */
.sliding-contact-fields {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.6s ease-out, opacity 0.5s ease-out;
  border-top: 1px solid transparent;
  padding-top: 0;
}

.sliding-contact-fields.visible {
  max-height: 2000px;
  opacity: 1;
  border-color: hsla(217, 33%, 17%, 0.4);
  padding-top: 1.5rem;
  margin-top: 1.5rem;
}

.subsection-title {
  font-family: var(--font-outfit);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
  color: var(--accent-cyber);
}

.subsection-description {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}

/* Compliance Disclosures Checkbox */
.compliance-disclosure-box {
  background-color: hsla(222, 47%, 6%, 0.5);
  border: 1px solid hsla(217, 33%, 17%, 0.5);
  border-radius: 12px;
  padding: 1rem;
  margin: 1.5rem 0;
  text-align: left;
}

.checkbox-container {
  display: flex;
  align-items: flex-start;
  position: relative;
  cursor: pointer;
  user-select: none;
  gap: 0.75rem;
}

.checkbox-container input {
  position: absolute;
  opacity: 0;
  cursor: pointer;
  height: 0;
  width: 0;
}

.checkmark {
  min-width: 18px;
  height: 18px;
  background-color: hsla(222, 47%, 6%, 0.8);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  border-radius: 4px;
  margin-top: 2px;
  position: relative;
  transition: var(--transition-fast);
}

.checkbox-container:hover input ~ .checkmark {
  border-color: var(--primary-indigo);
}

.checkbox-container input:checked ~ .checkmark {
  background-color: var(--primary-indigo);
  border-color: var(--primary-indigo);
}

.checkmark:after {
  content: "";
  position: absolute;
  display: none;
}

.checkbox-container input:checked ~ .checkmark:after {
  display: block;
}

.checkbox-container .checkmark:after {
  left: 5px;
  top: 1px;
  width: 5px;
  height: 9px;
  border: solid var(--text-main);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.checkbox-label {
  color: var(--text-muted);
  line-height: 1.5;
}

.checkbox-label strong {
  color: var(--text-main);
}

/* Buttons */
.btn {
  font-family: var(--font-sans);
  font-weight: 700;
  border-radius: 12px;
  border: none;
  cursor: pointer;
  outline: none;
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0.9rem 1.5rem;
  width: 100%;
}

.btn-primary {
  background: linear-gradient(135deg, #2563eb, #1d4ed8);
  color: #ffffff !important;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.25);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #1d4ed8, #1e40af);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.4);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-secondary {
  background-color: #eff6ff;
  border: 1.5px solid rgba(37, 99, 235, 0.4);
  color: #2563eb !important;
}

.btn-secondary:hover {
  background-color: #dbeafe;
  border-color: #2563eb;
}

.btn-primary-text {
  font-size: 0.95rem;
}

.btn-sub-text {
  font-size: 0.7rem;
  font-weight: 400;
  margin-top: 0.15rem;
}

.btn-primary .btn-sub-text {
  color: rgba(255, 255, 255, 0.75) !important;
}

.btn-secondary .btn-sub-text {
  color: rgba(37, 99, 235, 0.75) !important;
}

/* CTA Choices layout grid */
.cta-choice-buttons {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

@media (min-width: 640px) {
  .cta-choice-buttons {
    flex-direction: row;
  }
}

/* STEP 2: OTP screen specifics */
.icon-header-wrapper {
  display: flex;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.icon-ring {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid;
}

.shield-glow {
  background-color: hsla(245, 82%, 60%, 0.08);
  border-color: hsla(245, 82%, 60%, 0.3);
  color: var(--primary-indigo);
  box-shadow: 0 0 25px var(--primary-indigo-glow);
}

.success-glow {
  background-color: hsla(142, 70%, 45%, 0.08);
  border-color: hsla(142, 70%, 45%, 0.3);
  color: var(--success-emerald);
  box-shadow: 0 0 25px var(--success-emerald-glow);
}

.demo-otp-alert {
  background-color: hsla(188, 86%, 53%, 0.08);
  border: 1px solid hsla(188, 86%, 53%, 0.25);
  color: hsl(188, 86%, 80%);
  border-radius: 12px;
  padding: 0.75rem 1rem;
  margin: 1.25rem 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  text-align: left;
}

.otp-inputs-wrapper {
  display: flex;
  justify-content: center;
  margin: 1.5rem 0;
}

.otp-single-field {
  width: 180px;
  font-size: 1.4rem;
  font-weight: 700;
  text-align: center;
  letter-spacing: 0.25em;
  padding: 0.75rem;
  border-radius: 14px;
}

.error-text-display {
  color: hsl(0, 85%, 65%);
  font-size: 0.85rem;
  font-weight: 600;
  min-height: 1.2rem;
  margin: 0.5rem 0 1rem;
  text-align: center;
}

.otp-cta-wrapper {
  display: flex;
  flex-direction: row;
  gap: 1rem;
}

.otp-cta-wrapper .btn {
  flex: 1;
}

/* STEP 3: Advanced fleet specifications */
.divider-glow {
  height: 1px;
  background: linear-gradient(90deg, transparent, hsla(217, 33%, 17%, 0.6), transparent);
  margin: 1.75rem 0;
}

/* Custom Commodities radio cards */
.cargo-cards-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 0.75rem;
  margin-top: 0.5rem;
}

@media (min-width: 640px) {
  .cargo-cards-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.custom-radio-card {
  position: relative;
  display: flex;
  background-color: hsla(222, 47%, 6%, 0.5);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  border-radius: 14px;
  padding: 1rem;
  cursor: pointer;
  transition: var(--transition-smooth);
  user-select: none;
}

.custom-radio-card input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.radio-card-content {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.radio-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-main);
  transition: var(--transition-fast);
}

.radio-desc {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.custom-radio-card:hover {
  border-color: hsla(245, 82%, 60%, 0.5);
  background-color: hsla(222, 47%, 6%, 0.8);
}

.custom-radio-card input[type="radio"]:checked + .radio-card-content .radio-title {
  color: var(--accent-cyber);
}

.custom-radio-card:has(input[type="radio"]:checked) {
  border-color: var(--accent-cyber);
  background-color: hsla(188, 86%, 53%, 0.04);
  box-shadow: 0 0 15px var(--accent-cyber-glow);
}

/* Financial Brackets ACV wrappers */
.currency-input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.currency-symbol {
  position: absolute;
  left: 1rem;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--accent-cyber);
  pointer-events: none;
}

.currency-input {
  padding-left: 2rem;
}

.step-navigation-buttons {
  display: flex;
  flex-direction: row;
  gap: 1rem;
  margin-top: 2rem;
}

.step-navigation-buttons .btn {
  flex: 1;
}

/* STEP 4: Underwriting dynamic options */
.experience-selector-wrapper {
  margin-bottom: 2rem;
  text-align: left;
}

.exp-segmented-control {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

@media (min-width: 640px) {
  .exp-segmented-control {
    flex-direction: row;
  }
}

.exp-toggle-card {
  flex: 1;
  background-color: hsla(222, 47%, 6%, 0.5);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  border-radius: 14px;
  padding: 1.25rem;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: var(--transition-smooth);
}

.exp-toggle-card:hover {
  border-color: hsla(245, 82%, 60%, 0.5);
}

.exp-toggle-card.active {
  border-color: var(--primary-indigo);
  background-color: hsla(245, 82%, 60%, 0.05);
  box-shadow: 0 0 15px var(--primary-indigo-glow);
}

.exp-title {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text-main);
}

.exp-toggle-card.active .exp-title {
  color: var(--primary-indigo-hover);
}

.exp-subtitle {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

/* Dynamic Coverage Grid Cards */
.coverage-cards-container {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  text-align: left;
}

.coverage-option-card {
  background-color: hsla(222, 47%, 6%, 0.4);
  border: 1px solid hsla(217, 33%, 17%, 0.6);
  border-radius: 16px;
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: var(--transition-smooth);
}

.coverage-option-card:hover {
  border-color: hsla(217, 33%, 17%, 0.9);
  background-color: hsla(222, 47%, 6%, 0.6);
}

.cov-card-title {
  font-family: var(--font-outfit);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-main);
}

.cov-card-desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.toggle-options-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 0.75rem;
}

@media (min-width: 640px) {
  .toggle-options-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.cov-toggle-option {
  background-color: hsla(222, 47%, 6%, 0.8);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  color: var(--text-muted);
  border-radius: 10px;
  padding: 0.75rem;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition-fast);
  display: flex;
  align-items: center;
  justify-content: center;
}

.cov-toggle-option:hover {
  border-color: var(--primary-indigo);
  color: var(--text-main);
}

.cov-toggle-option.active {
  border-color: var(--accent-cyber);
  background-color: hsla(188, 86%, 53%, 0.05);
  color: var(--accent-cyber);
  box-shadow: 0 0 10px rgba(6, 182, 212, 0.15);
}

.input-hint {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.4rem;
}

.btn-success-glow {
  background: linear-gradient(135deg, var(--success-emerald), hsl(142, 70%, 35%));
  box-shadow: 0 4px 15px var(--success-emerald-glow);
}

.btn-success-glow:hover {
  background: linear-gradient(135deg, hsl(142, 70%, 55%), var(--success-emerald));
  box-shadow: 0 6px 20px hsla(142, 70%, 45%, 0.3);
}

/* STEP 5: Success Summary Page */
.summary-details-box {
  background-color: hsla(222, 47%, 6%, 0.6);
  border: 1px solid hsla(217, 33%, 17%, 0.8);
  border-radius: 16px;
  padding: 1.5rem;
  margin: 2rem 0;
  text-align: left;
}

.summary-box-title {
  font-family: var(--font-outfit);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 1rem;
  border-bottom: 1px solid hsla(217, 33%, 17%, 0.5);
  padding-bottom: 0.5rem;
  color: var(--accent-cyber);
}

.summary-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 0.85rem;
}

@media (min-width: 640px) {
  .summary-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.summary-item {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px dotted hsla(217, 33%, 17%, 0.5);
  padding-bottom: 0.35rem;
  font-size: 0.85rem;
}

.sum-label {
  color: var(--text-muted);
  font-weight: 500;
}

.sum-value {
  color: var(--text-main);
  font-weight: 700;
  text-align: right;
}

/* Footer disclaimer */
.app-footer {
  background-color: hsla(224, 71%, 4%, 0.95);
  border-top: 1px solid hsla(217, 33%, 17%, 0.5);
  padding: 3rem 0 1rem 0; /* Reduced bottom padding to position footer at the lowest margin of the page */
  margin-top: auto;
  margin-bottom: 0;
  z-index: 10;
}

body.funnel-active .app-main {
  padding-bottom: 15rem; /* Substantial gap pushing the footer disclaimer far down on quote pages */
}

.footer-container {
  max-width: 900px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  text-align: center;
}

.footer-disclaimer {
  font-size: 0.72rem;
  color: hsla(215, 20%, 65%, 0.6);
  line-height: 1.7;
}

.footer-disclaimer strong {
  color: var(--text-muted);
}

.footer-links {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.75rem;
  font-size: 0.75rem;
  color: hsla(215, 20%, 65%, 0.4);
}

.footer-link-item {
  color: var(--text-muted);
  text-decoration: none;
  transition: var(--transition-fast);
}

.footer-link-item:hover {
  color: var(--accent-cyber);
}

/* Utility Text Helpers */
.text-center { text-align: center; }
.text-left { text-align: left; }
.block { display: block; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-3 { margin-bottom: 0.75rem; }
.mt-4 { margin-top: 1rem; }
.mt-5 { margin-top: 1.25rem; }
.text-xs { font-size: 0.75rem; }
.text-slate-500 { color: hsl(215, 15%, 50%); }
.text-indigo-400 { color: hsl(245, 82%, 75%); }
.text-emerald-400 { color: hsl(142, 70%, 65%); }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}
.text-link {
  color: var(--accent-cyber);
  text-decoration: none;
  font-weight: 600;
  transition: var(--transition-fast);
}
.text-link:hover {
  text-decoration: underline;
}

/* Custom Modal Overlay Prompt styles */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(4, 7, 18, 0.85);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
}

.modal-overlay.active {
  opacity: 1;
  pointer-events: auto;
}

.modal-card {
  background-color: hsla(222, 47%, 9%, 0.95);
  border: 1px solid var(--border-card);
  border-radius: 20px;
  width: 90%;
  max-width: 500px;
  padding: 2.2rem;
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.6), 
              0 0 40px var(--primary-indigo-glow);
  transform: translateY(20px);
  transition: transform 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
  text-align: center;
}

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

.modal-header {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.modal-icon-ring {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background-color: hsla(142, 70%, 45%, 0.08);
  border: 2px solid hsla(142, 70%, 45%, 0.3);
  color: var(--success-emerald);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 15px var(--success-emerald-glow);
}

.modal-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-main);
}

.modal-message {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 1.25rem;
  text-align: left;
}

.modal-receipt-box {
  background-color: hsla(222, 47%, 6%, 0.7);
  border: 1px solid hsla(217, 33%, 17%, 0.6);
  border-radius: 12px;
  padding: 1.2rem;
  text-align: left;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  font-size: 0.82rem;
  margin-bottom: 1.5rem;
}

.receipt-row {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px dashed hsla(217, 33%, 17%, 0.4);
  padding-bottom: 0.25rem;
}

.receipt-row:last-child {
  border-bottom: none;
}

.receipt-label {
  color: var(--text-muted);
}

.receipt-value {
  font-weight: 700;
  color: var(--primary-indigo);
}


/* ==========================================================================
   PREMIUM LIGHT MODE ENHANCEMENTS
   ========================================================================== */

body {
  background-color: #f3f4f6; /* Premium soft light gray background */
  color: var(--text-main);
}

.ambient-glow {
  opacity: 0.08; /* Subdued glows for light mode */
}

/* Header */
.navbar {
  background-color: rgba(255, 255, 255, 0.85);
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.02);
}

.logo-accent {
  background: linear-gradient(135deg, var(--primary-indigo), var(--accent-cyber));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* Badges */
.pipeda-badge {
  background-color: rgba(22, 163, 74, 0.06);
  border-color: rgba(22, 163, 74, 0.15);
  color: #15803d;
}

/* Inputs & Form Fields */
.form-input {
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--text-dark);
}

.form-input:focus {
  background-color: #ffffff;
  border-color: var(--primary-indigo);
  box-shadow: 0 0 0 4px var(--primary-indigo-glow);
}

.border-red-500 {
  border-color: hsl(0, 85%, 65%) !important;
  box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.15) !important;
}

/* Select Dropdown Arrow */
.select-wrapper::after {
  border-left-color: var(--text-muted) !important;
  border-top-color: var(--text-muted) !important;
}

/* Custom Radio Cards */
.custom-radio-card {
  background-color: #ffffff;
  border: 1px solid #e2e8f0;
}

.custom-radio-card:hover {
  border-color: var(--primary-indigo);
  background-color: #eff6ff;
}

input[type="radio"]:checked + .radio-card-content {
  color: var(--primary-indigo);
}

.custom-radio-card input[type="radio"]:checked ~ .radio-card-content .radio-title {
  color: var(--primary-indigo);
}

/* Segments Controls (Step 6) */
.exp-segmented-control {
  background-color: #f1f5f9;
  border: 1px solid #cbd5e1;
}

.exp-toggle-card {
  background-color: #ffffff !important;
  border: 1px solid #cbd5e1 !important;
  color: var(--text-muted);
}

.exp-toggle-card:not(.active):hover {
  background-color: #eff6ff !important;
  border-color: var(--primary-indigo) !important;
  color: var(--primary-indigo) !important;
}

.exp-toggle-card.active {
  background-color: #ffffff !important;
  color: var(--primary-indigo) !important;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05) !important;
  border: 2px solid var(--primary-indigo) !important;
}

.exp-toggle-card.active .exp-title {
  color: var(--primary-indigo) !important;
}

.exp-toggle-card.active:hover {
  background-color: #ffffff !important;
  color: var(--primary-indigo) !important;
  cursor: default;
}

/* Coverage Option Cards */
.coverage-option-card {
  background-color: #ffffff !important;
  border: 1px solid #cbd5e1 !important;
}

.coverage-option-card:hover {
  background-color: #ffffff !important;
  border-color: var(--primary-indigo) !important;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03) !important;
}

.cov-toggle-option {
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--text-main);
}

.cov-toggle-option:not(.active):hover {
  background-color: #eff6ff !important;
  border-color: var(--primary-indigo) !important;
  color: var(--primary-indigo) !important;
}

.cov-toggle-option.active {
  background-color: var(--primary-indigo) !important;
  color: #ffffff !important;
  border-color: var(--primary-indigo) !important;
}

.cov-toggle-option.active:hover {
  background-color: var(--primary-indigo) !important;
  color: #ffffff !important;
  border-color: var(--primary-indigo) !important;
  cursor: default;
}

/* Summary Box (Step 7) */
.summary-details-box {
  background-color: #ffffff;
  border: 1px solid #e2e8f0;
}

.summary-box-title {
  border-bottom: 1px solid #e2e8f0;
  color: var(--text-dark);
}

.summary-item {
  border-bottom: 1px solid #f1f5f9;
}

/* Modal Overlay & Receipt */
.modal-overlay {
  background-color: rgba(15, 23, 42, 0.45); /* Soft dark overlay */
}

.modal-card {
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15);
}

.modal-title {
  color: var(--text-dark);
}

.modal-message {
  color: var(--text-muted);
}

.modal-receipt-box {
  background-color: #f8fafc;
  border: 1px solid #e2e8f0;
}

.receipt-row {
  border-bottom: 1px solid #e2e8f0;
}

.receipt-label {
  color: var(--text-muted);
}

.receipt-value {
  color: var(--text-dark);
}

/* Checkboxes (Step 1 Disclosure) */
.checkmark {
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
}

.checkbox-container:hover input ~ .checkmark {
  border-color: var(--primary-indigo);
}

.checkbox-container input:checked ~ .checkmark {
  background-color: var(--primary-indigo);
  border-color: var(--primary-indigo);
}

/* Compliance Disclosure Box */
.compliance-disclosure-box {
  background-color: #f8fafc;
  border: 1px solid #e2e8f0;
}

/* Footer & Legal */
.app-footer {
  background-color: #ffffff;
  border-top: 1px solid #e2e8f0;
}

.footer-disclaimer {
  color: var(--text-muted);
}

.footer-link-item {
  color: var(--primary-indigo);
}

.footer-link-item:hover {
  color: var(--primary-indigo-hover);
}

/* Explicit Light Dropdown Options Override for all Browsers & Operating Systems */
/* Explicit Light Dropdown Options Override for all Browsers & Operating Systems */
select option,
.select-input option {
  background-color: #ffffff !important;
  color: #0f172a !important;
}

/* ==========================================================================
   MARKETPLACE HOMEPAGE & MULTI-SILO WIZARD STYLING
   ========================================================================== */

/* Landing Content transitions */
.landing-wrapper {
  display: none;
  opacity: 0;
  transition: opacity 0.5s ease-out;
}

.landing-wrapper.active {
  display: block;
  opacity: 1;
}

#funnelCardContainer {
  display: none;
  opacity: 0;
  transition: opacity 0.5s ease-out;
}

#funnelCardContainer.active {
  display: block;
  opacity: 1;
}

/* Home Section Layouts */
.section-title {
  font-family: var(--font-outfit);
  font-weight: 800;
  font-size: 2.1rem;
  letter-spacing: -0.02em;
  margin-bottom: 0.5rem;
  color: var(--text-dark);
}

.section-subtitle {
  color: var(--text-muted);
  font-size: 1.05rem;
  margin-bottom: 2.5rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

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

/* Section specific margins */
.categories-section,
.how-it-works-section,
.industries-section,
.why-choose-section,
.resources-section,
.faq-section {
  padding: 3rem 0;
}

/* Category Grid & Cards */
.categories-cards-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

@media (min-width: 640px) {
  .categories-cards-grid {
    grid-template-cols: 1fr 1fr;
  }
}

@media (min-width: 1024px) {
  .categories-cards-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.category-premium-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 20px;
  padding: 0;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
  transition: var(--transition-smooth);
  position: relative;
  overflow: hidden;
}

@media (min-width: 768px) {
  .category-premium-card {
    flex-direction: row;
    min-height: 280px;
  }
}

.category-premium-card:hover {
  transform: translateY(-4px);
  border-color: var(--primary-indigo);
  box-shadow: 0 12px 25px rgba(0, 80, 223, 0.08);
}

/* Decorative Gold Top Highlight Card Border */
.category-premium-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary-indigo), var(--accent-cyber));
  opacity: 0;
  transition: opacity 0.3s ease;
}

.category-premium-card:hover::before {
  opacity: 1;
}

.card-icon-header {
  font-size: 2.2rem;
  line-height: 1;
}

.card-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-dark);
}

.card-desc {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.5;
  flex-grow: 1;
}

.card-brackets {
  font-size: 0.78rem;
  color: var(--text-muted);
  background-color: #f1f5f9;
  padding: 0.35rem 0.75rem;
  border-radius: 8px;
  align-self: flex-start;
}

.card-actions-wrapper {
  display: flex;
  gap: 0.5rem;
  margin-top: auto;
}

.card-actions-wrapper .btn {
  padding: 0.65rem 1rem;
  font-size: 0.85rem;
}

.card-btn-start {
  flex-grow: 2;
}

.card-btn-info {
  flex-grow: 1;
}

/* How It Works Steps */
.steps-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .steps-grid {
    grid-template-cols: 1fr 1fr;
  }
}

@media (min-width: 1024px) {
  .steps-grid {
    grid-template-cols: 1fr 1fr 1fr 1fr;
  }
}

.step-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 16px;
  padding: 1.75rem;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
}

.step-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background-color: var(--primary-indigo-glow);
  border: 1.5px solid var(--primary-indigo);
  color: var(--primary-indigo);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
  font-family: var(--font-outfit);
}

.step-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-dark);
}

.step-desc {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* Industries tag cloud */
.industries-tags-wrapper {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.6rem;
  margin-top: 1rem;
}

.industry-tag {
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--text-main);
  font-weight: 500;
  font-size: 0.82rem;
  padding: 0.45rem 1rem;
  border-radius: 9999px;
  transition: var(--transition-fast);
}

.industry-tag:hover {
  background-color: var(--primary-indigo-glow);
  border-color: var(--primary-indigo);
  color: var(--primary-indigo);
  transform: scale(1.02);
}

/* Resources link lists */
.resources-links-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 1.25rem;
  margin-top: 1.5rem;
}

@media (min-width: 768px) {
  .resources-links-grid {
    grid-template-cols: 1fr 1fr 1fr;
  }
}

.resource-link-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 16px;
  padding: 1.75rem;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
  transition: var(--transition-smooth);
}

.resource-link-card:hover {
  transform: translateY(-2px);
  border-color: var(--primary-indigo);
  box-shadow: 0 8px 20px rgba(0, 80, 223, 0.05);
}

.resource-link-card h5 {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--primary-indigo);
  line-height: 1.3;
}

.resource-link-card p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* Compliance FAQs styling */
.faq-accordion-container {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 750px;
  margin: 1.5rem auto 0 auto;
  text-align: left;
}

.faq-item {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--primary-indigo);
}

.faq-question {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq-question::after {
  content: '+';
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--primary-indigo);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.4s ease-out, opacity 0.3s ease-out;
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.faq-item.active .faq-answer {
  max-height: 200px;
  opacity: 1;
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px dashed #cbd5e1;
}

.faq-item.active .faq-question::after {
  content: '−';
}

/* Funnel Header Navigation Link */
.funnel-top-bar {
  display: none !important;
  margin-bottom: 1.25rem;
  border-bottom: 1px solid #cbd5e1;
  padding-bottom: 0.75rem;
}

.back-link {
  font-family: var(--font-outfit);
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--primary-indigo);
  text-decoration: none;
  transition: var(--transition-fast);
}

.back-link:hover {
  color: var(--primary-indigo-hover);
  text-shadow: 0 0 1px var(--primary-indigo-glow);
}

/* Multi-choice check grids for step 4 trucking */
.coverage-interests-grid {
  display: grid;
  grid-template-cols: 1fr;
  gap: 1rem;
  text-align: left;
  margin: 1.5rem 0;
}

@media (min-width: 640px) {
  .coverage-interests-grid {
    grid-template-cols: 1fr 1fr;
  }
}

.coverage-checkbox-card {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background-color: #ffffff;
  border: 1px solid #cbd5e1;
  border-radius: 12px;
  padding: 1.2rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.coverage-checkbox-card:hover {
  border-color: var(--primary-indigo);
  background-color: #eff6ff;
}

.coverage-checkbox-card input[type="checkbox"] {
  min-width: 18px;
  height: 18px;
  accent-color: var(--primary-indigo);
  margin-top: 2px;
}

.cov-card-box h5 {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: 0.15rem;
}

.cov-card-box p {
  font-size: 0.76rem;
  color: var(--text-muted);
  line-height: 1.3;
}

/* Input Hints */
.input-hint {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 0.15rem;
}

/* Premium Image Elements */
.card-hero-img {
  width: 100%;
  aspect-ratio: 16 / 10;
  height: auto;
  min-height: 170px;
  max-height: 280px;
  object-fit: cover;
  border-radius: 12px 12px 0 0;
  margin-bottom: 0;
  transition: var(--transition-smooth);
}

@media (min-width: 768px) {
  .card-hero-img {
    width: 38%;
    height: 100%;
    min-height: 100%;
    max-height: unset;
    aspect-ratio: unset;
    border-radius: 0;
  }
}

.category-premium-card:hover .card-hero-img {
  transform: scale(1.02);
}

.funnel-hero-banner {
  width: 100%;
  aspect-ratio: 16 / 8;
  height: auto;
  min-height: 190px;
  max-height: 320px;
  object-fit: cover;
  border-radius: 16px;
  margin-bottom: 1.5rem;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}

/* Onboarding Selector Panel Grid */
.selector-cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin-top: 1.5rem;
}

@media (min-width: 640px) {
  .selector-cards-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 992px) {
  .selector-cards-grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

.selector-card-item {
  background-color: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 16px;
  overflow: hidden;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
  transition: var(--transition-smooth);
}

.selector-card-item:hover {
  transform: translateY(-4px);
  border-color: var(--primary-indigo);
  box-shadow: 0 12px 25px rgba(0, 80, 223, 0.08);
}

.selector-card-img {
  width: 100%;
  aspect-ratio: 16 / 10;
  height: auto;
  min-height: 130px;
  object-fit: cover;
  border-bottom: 1px solid var(--border-card);
  transition: var(--transition-smooth);
}

.selector-card-item:hover .selector-card-img {
  transform: scale(1.03);
}

.selector-card-content {
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex-grow: 1;
}

.selector-card-title {
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--text-dark);
}

.selector-card-desc {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.4;
  flex-grow: 1;
}

.selector-card-badge {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--primary-indigo);
  background-color: var(--primary-indigo-glow);
  padding: 0.25rem 0.6rem;
  border-radius: 9999px;
  align-self: flex-start;
  margin-top: 0.5rem;
}

/* Hero Trust & Highlights Grid */
.trust-indicators-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-top: 2.25rem;
  width: 100%;
}

@media (min-width: 600px) {
  .trust-indicators-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .trust-indicators-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trust-indicator-card {
  background: var(--bg-card);
  border: 1px solid var(--border-card);
  border-radius: 16px;
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  text-align: left;
  transition: var(--transition-smooth);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.03);
}

.trust-indicator-card:hover {
  transform: translateY(-3px);
  border-color: var(--primary-indigo);
  box-shadow: 0 10px 20px rgba(0, 80, 223, 0.08);
}

.indicator-icon {
  font-size: 1.35rem;
  min-width: 42px;
  height: 42px;
  background: var(--primary-indigo-glow);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-indigo);
  transition: var(--transition-smooth);
}

.trust-indicator-card:hover .indicator-icon {
  background: var(--primary-indigo);
  color: #fff;
  filter: brightness(1.1);
}

.indicator-content {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.indicator-title {
  font-family: var(--font-outfit);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-dark);
}

.indicator-desc {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.3;
}

/* Hero Showcase Slideshow */
.hero-slideshow-container {
  position: relative;
  width: 100%;
  aspect-ratio: 21 / 9;
  min-height: 180px;
  max-height: 380px;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12), 
              0 0 0 1px var(--border-card);
  margin-bottom: 3rem;
  cursor: pointer;
  transition: var(--transition-smooth);
  background-color: #0b1528; /* dark fallback */
}

.hero-slideshow-container:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(0, 80, 223, 0.15), 
              0 0 0 1.5px var(--primary-indigo);
}

@media (max-width: 600px) {
  .hero-slideshow-container {
    aspect-ratio: 16 / 9;
    border-radius: 16px;
    margin-bottom: 3rem;
  }
}

.hero-slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  z-index: 1;
  transition: opacity 1s ease-in-out;
  /* Blurred background layer */
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
}

.hero-slide.active {
  opacity: 1;
  z-index: 2;
}

/* Background blur overlay to make the main content pop */
.hero-slide::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(10, 29, 55, 0.25);
  z-index: 2;
}

.hero-slide img {
  position: relative;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 1;
  transition: transform 1.2s ease-in-out;
}

.hero-slideshow-container:hover .hero-slide.active img {
  transform: scale(1.03);
}

.hero-slide-caption {
  position: absolute;
  bottom: 1.5rem;
  left: 50%;
  transform: translateX(-50%);
  background: rgba(10, 29, 55, 0.75);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: #ffffff;
  padding: 0.6rem 1.5rem;
  border-radius: 9999px;
  font-family: var(--font-outfit);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  text-shadow: 0 1px 3px rgba(0,0,0,0.3);
  box-shadow: 0 4px 15px rgba(0,0,0,0.25);
  z-index: 3;
}

.hero-slideshow-dots {
  position: absolute;
  bottom: 1.5rem;
  right: 1.5rem;
  display: flex;
  gap: 0.5rem;
  z-index: 4;
}

.hero-slideshow-dots .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.4);
  cursor: pointer;
  transition: var(--transition-smooth);
}

.hero-slideshow-dots .dot.active {
  background: var(--primary-indigo);
  transform: scale(1.3);
  box-shadow: 0 0 10px var(--primary-indigo);
}

/* ==========================================================================
   READABILITY IMPROVEMENTS FOR DARK BANNER BACKGROUND
   ========================================================================== */
body.has-banner-bg .navbar {
  background-color: rgba(10, 29, 55, 0.93) !important;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12) !important;
  box-shadow: 0 4px 30px rgba(0, 0, 0, 0.35) !important;
}

body.has-banner-bg .logo-text {
  color: #ffffff !important;
}

body.has-banner-bg .logo-accent {
  background: linear-gradient(135deg, #ffffff, var(--accent-cyber)) !important;
  -webkit-background-clip: text !important;
  -webkit-text-fill-color: transparent !important;
}

body.has-banner-bg .nav-link-item {
  color: rgba(255, 255, 255, 0.85) !important;
}

body.has-banner-bg .nav-link-item:hover {
  color: var(--accent-cyber) !important;
}

body.has-banner-bg .hamburger-bar {
  background-color: #ffffff !important;
}

body.has-banner-bg .mobile-menu-drawer {
  background-color: rgba(10, 29, 55, 0.98) !important;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12) !important;
}

body.has-banner-bg .mobile-menu-link {
  color: rgba(255, 255, 255, 0.85) !important;
}

body.has-banner-bg .mobile-menu-link:hover {
  color: var(--accent-cyber) !important;
}

body.has-banner-bg .hero-title {
  color: #ffffff;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.4);
}

body.has-banner-bg .hero-subtitle {
  color: hsl(214, 20%, 88%);
  text-shadow: 0 1px 5px rgba(0, 0, 0, 0.3);
}

body.has-banner-bg .section-title {
  color: #ffffff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

body.has-banner-bg .section-subtitle {
  color: hsl(214, 20%, 85%);
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.3);
}

/* Ontario Notice Bar at Top of Page */
.ontario-notice-bar {
  background: linear-gradient(90deg, #050e1b 0%, #0c213f 50%, #050e1b 100%);
  border-bottom: 1px solid rgba(255, 215, 0, 0.35); /* Cyber gold accent line */
  padding: 0.45rem 1rem;
  width: 100%;
  position: relative;
  z-index: 1001; /* Stay above sticky header (z-index: 1000) */
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.4);
}

.notice-bar-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
}

.notice-badge {
  background: var(--accent-cyber);
  color: #050d18;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  padding: 0.2rem 0.55rem;
  border-radius: 4px;
  letter-spacing: 0.8px;
  display: inline-flex;
  align-items: center;
  box-shadow: 0 0 8px rgba(255, 215, 0, 0.3);
  animation: badgePulse 2.5s infinite alternate;
  white-space: nowrap;
}

.notice-icon {
  font-size: 1.1rem;
  animation: swing 2s infinite ease-in-out;
  display: inline-block;
}

.notice-text {
  color: hsl(214, 20%, 94%);
  font-size: 0.86rem;
  line-height: 1.4;
  text-align: center;
}

.notice-text strong {
  color: #ffffff;
}

.notice-text .date-highlight {
  color: var(--accent-cyber);
}

@keyframes badgePulse {
  0% {
    box-shadow: 0 0 4px rgba(255, 215, 0, 0.2);
    filter: brightness(1);
  }
  100% {
    box-shadow: 0 0 12px rgba(255, 215, 0, 0.6);
    filter: brightness(1.1);
  }
}

@keyframes swing {
  0%, 100% { transform: rotate(0); }
  20% { transform: rotate(15deg); }
  40% { transform: rotate(-10deg); }
  60% { transform: rotate(5deg); }
  80% { transform: rotate(-5deg); }
}

/* ==========================================================================
   MOBILE-FIRST VIEWPORT RESPONSIVENESS OVERRIDES
   ========================================================================== */

@media (max-width: 768px) {
  /* Layout Paddings */
  .app-main {
    padding: 1.5rem 1rem;
    gap: 1.5rem;
  }
  
  /* Typography Scaling */
  .hero-title {
    font-size: 1.85rem;
    line-height: 1.25;
  }
  
  .hero-subtitle {
    font-size: 0.95rem;
  }
  
  .section-title {
    font-size: 1.65rem;
  }
  
  .section-subtitle {
    font-size: 0.92rem;
    margin-bottom: 1.5rem;
  }
  
  /* Onboarding Card Padding */
  .interactive-card-container {
    padding: 1.5rem 1.25rem;
    border-radius: 16px;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    background-color: var(--bg-card);
  }
  
  /* Panel Scales */
  .panel-title {
    font-size: 1.35rem;
    margin-bottom: 0.35rem;
  }
  
  .panel-description {
    font-size: 0.88rem;
    margin-bottom: 1.5rem;
  }
  
  /* Notice Bar adjustment */
  .ontario-notice-bar {
    padding: 0.4rem 1rem;
  }
  .notice-text {
    font-size: 0.82rem;
  }
}

@media (max-width: 600px) {
  /* Prevent iOS WebKit layout zoom shifts by raising form fields font-size to 16px */
  .form-input, 
  .select-input, 
  select option, 
  textarea {
    font-size: 16px !important;
    padding: 0.7rem 0.85rem;
  }
  
  /* Hero Slideshow Overlay elements */
  .hero-slide-caption {
    font-size: 0.82rem;
    padding: 0.45rem 1rem;
    bottom: 1rem;
    width: auto;
    white-space: normal;
    text-align: center;
    max-width: 80%;
  }
  
  .hero-slideshow-dots {
    bottom: 1.1rem;
    right: 1.1rem;
  }
  
  /* Success Modal mobile scaling bounds */
  .modal-card {
    width: 92%;
    padding: 1.5rem 1.25rem;
    max-height: 85vh;
    overflow-y: auto;
  }
  
  .modal-title {
    font-size: 1.2rem;
  }
  
  .modal-message {
    font-size: 0.82rem;
  }
  
  .modal-receipt-box {
    padding: 0.85rem;
    font-size: 0.78rem;
    margin-bottom: 1.25rem;
  }

  /* Form Fields Layout margin adjustments */
  .cta-choice-buttons {
    gap: 0.75rem;
  }
  
  .step-navigation-buttons, 
  .otp-cta-wrapper {
    gap: 0.75rem;
    margin-top: 1.5rem;
  }

  .btn {
    padding: 0.8rem 1.25rem;
  }
}

@media (max-width: 480px) {
  /* Tight Spacing for small screen widths */
  .app-main {
    padding: 1rem 0.5rem;
  }
  
  .interactive-card-container {
    padding: 1.25rem 0.95rem;
    border-radius: 12px;
  }
  
  /* Logo Text spacing compression */
  .logo-text {
    font-size: 1.15rem;
  }
  
  .logo-img {
    height: 50px !important;
    width: 50px !important;
  }
  
  .nav-container {
    padding: 0 1rem;
    gap: 0.5rem;
  }
  
  .header-cta {
    padding: 0.4rem 0.8rem !important;
    font-size: 0.8rem !important;
    border-radius: 8px !important;
  }
  
  .footer-links span {
    display: none; /* Hide bullets on mobile so links wrap cleanly */
  }
  
  /* Policy Notice Bar Mobile Adaptations */
  .ontario-notice-bar {
    padding: 0.4rem 0.75rem;
  }
  .notice-bar-container {
    flex-wrap: wrap;
    gap: 0.4rem;
    justify-content: center;
  }
  .notice-badge {
    font-size: 0.65rem;
    padding: 0.15rem 0.45rem;
  }
  .notice-text {
    font-size: 0.78rem;
    line-height: 1.3;
  }
  .notice-icon {
    font-size: 0.95rem;
  }
}

@media (max-width: 380px) {
  .logo-text {
    font-size: 0.95rem !important;
  }
  .logo-img {
    height: 40px !important;
    width: 40px !important;
  }
  .header-cta {
    padding: 0.35rem 0.7rem !important;
    font-size: 0.75rem !important;
  }
}

/* --- INSURANCE COVERAGE DETAILS INFO CARDS (Phase 27) --- */
.funnel-coverage-details-card {
  margin-top: 3.5rem;
  margin-bottom: 2rem;
  padding: 2.5rem;
  background: linear-gradient(135deg, rgba(8, 24, 46, 0.97) 0%, rgba(13, 36, 68, 0.95) 100%);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 20px;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
  color: #ffffff;
  text-align: left;
}

.details-card-title {
  font-family: var(--font-outfit);
  font-size: 1.75rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-top: 0;
  margin-bottom: 0.75rem;
  color: var(--accent-cyber); /* Rich Cyber Gold */
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-shadow: 0 2px 4px rgba(0,0,0,0.3);
}

.details-card-intro {
  font-size: 1.05rem;
  color: hsl(214, 20%, 90%);
  margin-top: 0;
  margin-bottom: 2.5rem;
  line-height: 1.6;
}

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

.details-grid-item {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  background: rgba(4, 13, 27, 0.5);
  padding: 1.75rem;
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-left: 4px solid var(--accent-cyber); /* Gold accent line */
  transition: transform 0.25s cubic-bezier(0.25, 0.8, 0.25, 1), border-color 0.2s ease, box-shadow 0.25s ease;
  box-shadow: inset 0 1px 1px rgba(255,255,255,0.03);
}

.details-grid-item:hover {
  transform: translateY(-3px);
  border-color: rgba(255, 215, 0, 0.3);
  box-shadow: 0 10px 25px rgba(0,0,0,0.3);
}

.details-item-icon {
  font-size: 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: 12px;
  flex-shrink: 0;
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.15);
}

.details-grid-item:hover .details-item-icon {
  background: rgba(255, 215, 0, 0.08);
  border-color: rgba(255, 215, 0, 0.25);
}

.details-item-content {
  flex-grow: 1;
}

.details-item-title {
  font-family: var(--font-outfit);
  font-size: 1.2rem;
  font-weight: 700;
  margin-top: 0;
  margin-bottom: 0.6rem;
  color: #ffffff;
  letter-spacing: -0.01em;
}

.details-item-text {
  font-size: 0.95rem;
  line-height: 1.6;
  color: hsl(214, 25%, 88%);
  margin: 0;
}

/* Responsive Overrides for Coverage Details */
@media (max-width: 768px) {
  .coverage-details-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .funnel-coverage-details-card {
    padding: 1.75rem;
    margin-top: 2.5rem;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    background: rgba(8, 24, 46, 0.99);
  }
  .details-card-title {
    font-size: 1.45rem;
  }
  .details-card-intro {
    font-size: 0.98rem;
    margin-bottom: 1.75rem;
  }
  .details-grid-item {
    padding: 1.25rem;
    gap: 1.15rem;
  }
  .details-item-icon {
    width: 44px;
    height: 44px;
    font-size: 1.6rem;
  }
}

/* ==========================================================================
   Trust Bar Component
   ========================================================================== */
.trust-bar {
  width: 100%;
  background-color: #f4f7fc;
  border-top: 1px solid #dce4f0;
  border-bottom: 1px solid #dce4f0;
  padding: 18px 0;
  box-sizing: border-box;
}

.trust-bar-container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  box-sizing: border-box;
}

.trust-bar-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
}

.trust-bar-icon {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-bar-icon svg {
  width: 36px;
  height: 36px;
  stroke: #1a4fa0;
  stroke-width: 2;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.trust-bar-label {
  font-family: var(--font-sans), sans-serif;
  color: #1a1a1a;
  font-size: 13px;
  font-weight: 700;
  margin-top: 8px;
  margin-bottom: 4px;
  line-height: 1.2;
}

.trust-bar-desc {
  font-family: var(--font-sans), sans-serif;
  color: #777777;
  font-size: 11px;
  margin: 0;
  line-height: 1.2;
}

/* Responsive layouts for Trust Bar */
@media (max-width: 900px) and (min-width: 601px) {
  .trust-bar-container {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 1.5rem 1rem;
    justify-items: center;
  }
  .trust-bar-item {
    grid-column: span 2;
  }
  .trust-bar-item:nth-child(4) {
    grid-column: 2 / span 2;
  }
  .trust-bar-item:nth-child(5) {
    grid-column: 4 / span 2;
  }
}

@media (max-width: 600px) {
  .trust-bar-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem 0.75rem;
    justify-items: center;
  }
  .trust-bar-item {
    grid-column: span 2;
  }
  .trust-bar-item:last-child {
    grid-column: 2 / span 2;
  }
}

/* ==========================================================================
   Why Canadians Choose Section
   ========================================================================== */
.why-choose-section {
  background-color: #ffffff;
  border-top: 3px solid #1a4fa0;
  padding: 52px 0;
  box-sizing: border-box;
}

.why-choose-title {
  font-family: var(--font-outfit), sans-serif;
  color: #0d2d6b;
  font-size: 28px;
  font-weight: 700;
  text-align: center;
  margin-top: 0;
  margin-bottom: 40px;
}

.why-choose-container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  box-sizing: border-box;
}

.why-choose-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.why-choose-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-choose-icon svg {
  width: 56px;
  height: 56px;
  stroke: #1a4fa0;
  stroke-width: 2;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.why-choose-label {
  font-family: var(--font-sans), sans-serif;
  color: #1a1a1a;
  font-size: 17px;
  font-weight: 700;
  margin-top: 12px;
  margin-bottom: 0;
  line-height: 1.3;
}

.why-choose-desc {
  font-family: var(--font-sans), sans-serif;
  color: #666666;
  font-size: 14px;
  margin-top: 8px;
  margin-bottom: 0;
  line-height: 1.5;
}

@media (max-width: 900px) and (min-width: 601px) {
  .why-choose-container {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .why-choose-container {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SVG Styling for Site-wide Emoji Replacements
   ========================================================================== */
.card-icon-header svg {
  width: 36px;
  height: 36px;
  stroke: #1a4fa0;
  stroke-width: 2;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-ring svg {
  width: 32px;
  height: 32px;
  stroke: currentColor;
  stroke-width: 2;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.details-item-icon svg {
  width: 24px;
  height: 24px;
  stroke: #ffd700;
  stroke-width: 2;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.modal-icon-ring svg {
  width: 28px;
  height: 28px;
  stroke: var(--success-emerald);
  stroke-width: 3;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* Notice Bar Relocation styling adjustments */
#homepageLanding .ontario-notice-bar {
  margin-top: 1.5rem;
  margin-bottom: 1rem;
  border-radius: 12px;
  border: 1px solid #dce4f0;
}

/* ==========================================================================
   Smooth Scrolling
   ========================================================================== */
html {
  scroll-behavior: smooth;
}

/* ==========================================================================
   Hero Section Modifications
   ========================================================================== */
.intro-section {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px !important; /* 16px minimum */
  padding: 3rem 1.5rem;
}

.hero-title {
  font-family: var(--font-outfit), sans-serif;
  font-weight: 800;
  font-size: 44px !important;
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin: 0;
}

body.has-banner-bg .hero-title {
  font-size: 44px !important;
  font-weight: 800 !important;
}

@media (max-width: 600px) {
  .hero-title,
  body.has-banner-bg .hero-title {
    font-size: 28px !important;
  }
}

.hero-subtitle {
  font-size: 17px !important;
  color: #f1f5f9 !important;
  max-width: 600px !important;
  margin: 0 auto;
  line-height: 1.6;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.8) !important;
}

body.has-banner-bg .hero-subtitle {
  font-size: 17px !important;
  color: #f1f5f9 !important;
  max-width: 600px !important;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.8) !important;
}

/* Pill badge styling */
.hero-badge-container {
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
}

.hero-badge {
  display: inline-block;
  background-color: #e8f0fd;
  color: #1a4fa0;
  border: 1px solid #b3c8f5;
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 14px;
  font-family: var(--font-sans), sans-serif;
  box-sizing: border-box;
}

/* Hero CTA buttons side-by-side */
.hero-cta-group {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  margin-top: 10px;
  flex-wrap: wrap;
}

.btn-hero-primary {
  background-color: #1a4fa0;
  color: #ffffff;
  padding: 14px 28px;
  border-radius: 6px;
  font-weight: 700;
  text-decoration: none;
  font-size: 16px;
  border: none;
  cursor: pointer;
  transition: background-color 0.2s ease, transform 0.1s ease;
  font-family: var(--font-sans), sans-serif;
  box-shadow: 0 4px 10px rgba(26, 79, 160, 0.2);
  display: inline-block;
  box-sizing: border-box;
  text-align: center;
}

.btn-hero-primary:hover {
  background-color: #153e7d;
  color: #ffffff;
  box-shadow: 0 6px 15px rgba(26, 79, 160, 0.3);
}

.btn-hero-secondary {
  background-color: #ffffff;
  color: #1a4fa0;
  border: 2px solid #1a4fa0;
  padding: 12px 26px; /* slightly smaller padding to compensate for 2px border */
  border-radius: 6px;
  font-weight: 700;
  text-decoration: none;
  font-size: 16px;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease;
  font-family: var(--font-sans), sans-serif;
  display: inline-block;
  box-sizing: border-box;
  text-align: center;
}

.btn-hero-secondary:hover {
  background-color: #f4f7fc;
  color: #1a4fa0;
}

/* Trust micro-line styling */
.trust-micro-line {
  font-size: 13px;
  color: #cbd5e1 !important;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  margin-top: 10px;
  font-family: var(--font-sans), sans-serif;
  flex-wrap: wrap;
  text-shadow: 0 1px 3px rgba(0, 0, 0, 0.8);
}

.trust-tick {
  display: flex;
  align-items: center;
  gap: 4px;
}

.trust-tick svg {
  color: #f0a202 !important;
}

.trust-separator {
  color: #64748b !important;
}

/* ==========================================================================
   How It Works Component
   ========================================================================== */
.how-it-works-section {
  background-color: #f4f7fc;
  padding: 72px 0;
  box-sizing: border-box;
  width: 100%;
}

.how-it-works-title {
  color: #0d2d6b;
  font-size: 34px;
  font-weight: 800;
  text-align: center;
  margin-top: 0;
  margin-bottom: 8px;
  font-family: var(--font-outfit), sans-serif;
}

.how-it-works-subtitle {
  color: #666666;
  font-size: 16px;
  text-align: center;
  margin-top: 0;
  margin-bottom: 48px;
  font-family: var(--font-sans), sans-serif;
}

.how-it-works-container {
  position: relative;
  display: flex;
  justify-content: space-between;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  box-sizing: border-box;
  gap: 24px;
}

@media (min-width: 900px) {
  .how-it-works-container::before {
    content: "";
    position: absolute;
    top: 36px; /* center vertically with the 72px circles */
    left: 12%;
    right: 12%;
    height: 2px;
    border-top: 2px dashed #b3c8f5;
    z-index: 1;
  }
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  position: relative;
  z-index: 2;
}

.step-number {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background-color: #1a4fa0;
  color: #ffffff;
  font-size: 28px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.step-title {
  color: #0d2d6b;
  font-size: 20px;
  font-weight: 700;
  margin-top: 16px;
  margin-bottom: 0;
  font-family: var(--font-outfit), sans-serif;
}

.step-desc {
  color: #555555;
  font-size: 15px;
  margin-top: 10px;
  margin-bottom: 0;
  max-width: 280px;
  line-height: 1.5;
  font-family: var(--font-sans), sans-serif;
}

@media (max-width: 899px) {
  .how-it-works-container {
    flex-direction: column;
    gap: 40px;
    align-items: center;
  }
}

/* ==========================================================================
   About Us Page Sections
   ========================================================================== */
.about-hero-btn {
  display: inline-block;
  margin-top: 24px;
  padding: 14px 28px;
  color: #ffffff;
  border: 2px solid #ffffff;
  background: transparent;
  border-radius: 6px;
  font-weight: 700;
  text-decoration: none;
  transition: background-color 0.2s ease, color 0.2s ease;
  font-family: var(--font-sans), sans-serif;
  font-size: 16px;
}

.about-hero-btn:hover {
  background-color: #ffffff;
  color: #0d2d6b;
  text-decoration: none;
}

.mission-section {
  padding: 72px 0;
  background-color: #ffffff;
}

.mission-container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
  box-sizing: border-box;
}

.mission-left h2 {
  color: #0d2d6b;
  font-size: 30px;
  font-weight: 800;
  margin-top: 0;
  margin-bottom: 20px;
  font-family: var(--font-outfit), sans-serif;
}

.mission-left p {
  color: #475569;
  font-size: 16px;
  line-height: 1.7;
  margin: 0;
}

.mission-right-box {
  border: 2px solid #b3c8f5;
  border-radius: 12px;
  padding: 28px;
  background-color: #f8fafc;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
}

.mission-info-item {
  margin-bottom: 16px;
  font-size: 15px;
  color: #334155;
  line-height: 1.4;
  font-family: var(--font-sans), sans-serif;
}

.mission-info-item:last-child {
  margin-bottom: 0;
}

.mission-info-label {
  font-weight: 700;
  color: #0d2d6b;
  display: block;
  margin-bottom: 4px;
}

.compliance-section {
  padding: 72px 0;
  background-color: #ffffff;
}

.compliance-container {
  max-width: 850px;
  margin: 0 auto;
  padding: 0 1.5rem;
  box-sizing: border-box;
}

.compliance-box {
  border: 1px solid #cbd5e1;
  border-radius: 12px;
  padding: 36px;
  background-color: #f8fafc;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.02);
}

.compliance-box h3 {
  color: #0d2d6b;
  font-size: 24px;
  font-weight: 700;
  margin-top: 0;
  margin-bottom: 20px;
  font-family: var(--font-outfit), sans-serif;
}

.compliance-box p {
  color: #475569;
  font-size: 15px;
  line-height: 1.7;
  margin-top: 0;
  margin-bottom: 18px;
  font-family: var(--font-sans), sans-serif;
}

.compliance-box p:last-child {
  margin-bottom: 0;
}

.bottom-cta-section {
  background-color: #1a4fa0;
  padding: 64px 20px;
  text-align: center;
  color: #ffffff;
}

.bottom-cta-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 30px;
  font-weight: 800;
  margin-top: 0;
  margin-bottom: 24px;
  color: #ffffff;
}

.bottom-cta-btn {
  display: inline-block;
  padding: 14px 32px;
  color: #ffffff;
  border: 2px solid #ffffff;
  background: transparent;
  border-radius: 6px;
  font-weight: 700;
  text-decoration: none;
  font-size: 16px;
  transition: background-color 0.2s ease, color 0.2s ease;
  font-family: var(--font-sans), sans-serif;
}

.bottom-cta-btn:hover {
  background-color: #ffffff;
  color: #1a4fa0;
  text-decoration: none;
}

@media (max-width: 768px) {
  .mission-container {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .compliance-box {
    padding: 24px;
  }
}

/* ==========================================================================
   DROPDOWN NAVIGATION STYLING (PROMPT 11)
   ========================================================================== */
.nav-dropdown-trigger {
  position: relative;
  height: 100%;
  display: flex;
  align-items: center;
}

.nav-dropdown-trigger > a {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background: #ffffff;
  border: 1px solid #e0e8f0;
  border-radius: 8px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
  padding: 8px 0;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 180ms ease, transform 180ms ease, visibility 180ms ease;
  z-index: 1100;
  margin-top: 12px;
}

.nav-dropdown-trigger:hover .nav-dropdown-menu,
.nav-dropdown-trigger:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav-dropdown-item {
  display: block;
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-dark) !important;
  text-decoration: none !important;
  padding: 12px 16px;
  text-align: left;
  transition: background-color 150ms ease, color 150ms ease;
  white-space: nowrap;
}

.nav-dropdown-item:hover {
  background-color: #f4f7fc;
  color: #1a4fa0 !important;
}

/* Dropdown arrow helper */
.dropdown-arrow {
  width: 10px;
  height: 6px;
  fill: currentColor;
  transition: transform 0.2s ease;
}
.nav-dropdown-trigger:hover .dropdown-arrow {
  transform: rotate(180deg);
}

/* ==========================================================================
   MOBILE FULL-SCREEN OVERLAY MENU & ACCORDIONS (PROMPT 11)
   ========================================================================== */
@media (max-width: 768px) {
  /* Hamburger dimensions upgrade */
  .mobile-nav-toggle {
    width: 28px;
    height: 22px;
    display: flex;
    position: relative;
    z-index: 10001;
  }
  
  .hamburger-bar {
    height: 3px;
    background-color: var(--text-dark);
  }
  
  /* Make hamburger bars white when overlay menu is active */
  .mobile-nav-toggle.active .hamburger-bar {
    background-color: #ffffff !important;
  }

  /* Full screen overlay drawer */
  .mobile-menu-drawer {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background-color: #0d2d6b;
    z-index: 10000;
    max-height: 100vh;
    padding: 100px 24px 40px 24px;
    box-sizing: border-box;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    transform: translateY(0);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
  }
  
  .mobile-menu-drawer.active {
    opacity: 1;
    visibility: visible;
  }
  
  .mobile-menu-content {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 1rem;
    width: 100%;
  }
  
  .mobile-menu-link {
    font-family: var(--font-outfit), sans-serif;
    font-size: 22px;
    font-weight: 700;
    color: #ffffff !important;
    text-decoration: none;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
  }
  
  .mobile-menu-link:hover {
    color: #a8bcd8 !important;
  }
  
  /* Mobile Accordions styling */
  .mobile-accordion-trigger::after {
    content: '+';
    font-size: 24px;
    color: #ffffff;
    font-weight: 400;
    transition: transform 0.2s ease;
  }
  
  .mobile-accordion-trigger.active::after {
    content: '-';
    transform: rotate(180deg);
  }
  
  .mobile-accordion-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0, 1, 0, 1);
    display: flex;
    flex-direction: column;
    padding-left: 16px;
    background-color: rgba(255, 255, 255, 0.03);
    border-radius: 4px;
  }
  
  .mobile-accordion-content.active {
    max-height: 500px;
    transition: max-height 0.3s cubic-bezier(0.9, 0, 0.1, 1);
    padding-top: 8px;
    padding-bottom: 8px;
  }
  
  .mobile-accordion-item {
    font-family: var(--font-sans), sans-serif;
    font-size: 16px;
    font-weight: 600;
    color: #a8bcd8 !important;
    text-decoration: none;
    padding: 8px 0;
  }
  
  .mobile-accordion-item:hover {
    color: #ffffff !important;
  }
  
  /* Mobile get started CTA button */
  .mobile-menu-cta {
    margin-top: 2rem;
    width: 100%;
    background: #ffffff !important;
    color: #0d2d6b !important;
    font-weight: 700;
    padding: 14px;
    font-size: 16px;
    border-radius: 6px;
    border: none;
    cursor: pointer;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
    text-align: center;
  }
}

/* ==========================================================================
   ANIMATED STATISTICS BAR (PROMPT 18)
   ========================================================================== */
.stats-section {
  background-color: #0d2d6b;
  padding: 44px 0;
  width: 100%;
  box-sizing: border-box;
}

.stats-container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  min-width: 250px;
  padding: 10px 20px;
  position: relative;
  box-sizing: border-box;
}

/* Divider lines on desktop */
@media (min-width: 769px) {
  .stat-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 20%;
    height: 60%;
    width: 1px;
    background-color: #2a5298;
  }
}

.stat-icon {
  width: 32px;
  height: 32px;
  fill: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 10px;
}

.stat-number {
  font-family: var(--font-outfit), sans-serif;
  font-size: 44px;
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 6px 0;
  line-height: 1.1;
}

.stat-label {
  font-family: var(--font-sans), sans-serif;
  font-size: 15px;
  color: #a8bcd8;
  margin: 0;
  font-weight: 500;
}

@media (max-width: 768px) {
  .stats-container {
    flex-direction: column;
    gap: 20px;
  }
  .stat-item {
    width: 100%;
    padding: 20px 0;
  }
  .stat-item:not(:last-child) {
    border-bottom: 2px solid #2a5298;
  }
}

/* ==========================================================================
   SCROLL-TRIGGERED FADE ANIMATIONS (PROMPT 19)
   ========================================================================== */
.fade-in-element {
  opacity: 0;
  transform: translateY(28px);
  will-change: opacity, transform;
  transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

.scale-in-element {
  opacity: 0;
  transform: scale(0.85);
  will-change: opacity, transform;
  transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

.fade-in-visible {
  opacity: 1 !important;
  transform: translateY(0) !important;
}

.scale-in-visible {
  opacity: 1 !important;
  transform: scale(1) !important;
}

/* Stagger delays */
.delay-1 { transition-delay: 80ms; }
.delay-2 { transition-delay: 160ms; }
.delay-3 { transition-delay: 240ms; }
.delay-4 { transition-delay: 320ms; }
.delay-5 { transition-delay: 400ms; }

/* ==========================================================================
   STICKY MOBILE CTA BAR (PROMPT 20)
   ========================================================================== */
.sticky-mobile-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 60px;
  background-color: #1a4fa0;
  z-index: 9998;
  display: none; /* Managed via script */
  align-items: center;
  justify-content: space-between;
  padding: 0 16px;
  box-sizing: border-box;
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.15);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.sticky-cta-left {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #ffffff;
}

.sticky-cta-phone-icon {
  width: 20px;
  height: 20px;
  fill: #ffffff;
}

.sticky-cta-text {
  font-family: var(--font-sans), sans-serif;
  font-size: 13px;
  font-weight: 600;
}

.sticky-cta-btn {
  background-color: #ffffff;
  color: #1a4fa0;
  font-family: var(--font-sans), sans-serif;
  font-weight: 700;
  font-size: 13px;
  padding: 10px 18px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
  transition: background-color 0.2s;
}

.sticky-cta-btn:hover {
  background-color: #f4f7fc;
}

.sticky-cta-close {
  background: transparent;
  border: none;
  color: #ffffff;
  font-size: 18px;
  cursor: pointer;
  padding: 5px;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  opacity: 0.8;
  transition: opacity 0.2s;
}

.sticky-cta-close:hover {
  opacity: 1;
}

/* ==========================================================================
   INSURANCE RECOMMENDATION QUIZ WIDGET (PROMPT 22)
   ========================================================================== */
.quiz-widget-section {
  width: 100%;
  padding: 3rem 0;
  box-sizing: border-box;
}

.quiz-widget-container {
  max-width: 700px;
  margin: 32px auto;
  background: #ffffff;
  border: 1px solid #dce4f0;
  border-radius: 14px;
  box-shadow: 0 6px 24px rgba(0,0,0,0.08);
  padding: 36px 40px;
  box-sizing: border-box;
  overflow: hidden;
  position: relative;
}

.quiz-badge {
  display: block;
  text-align: center;
  font-family: var(--font-sans), sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: #1a4fa0;
  background-color: #e8f0fd;
  border: 1px solid #b3c8f5;
  padding: 4px 12px;
  border-radius: 20px;
  width: fit-content;
  margin: 0 auto 12px auto;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.quiz-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: #0d2d6b;
  text-align: center;
  margin: 0 0 6px 0;
}

.quiz-subtitle {
  font-family: var(--font-sans), sans-serif;
  font-size: 15px;
  color: #666666;
  text-align: center;
  margin: 0 0 28px 0;
}

.quiz-slider-window {
  width: 100%;
  overflow: hidden;
  position: relative;
}

.quiz-slider-track {
  display: flex;
  width: 400%; /* 4 steps including result */
  transition: transform 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
  will-change: transform;
}

.quiz-slide {
  width: 25%;
  flex-shrink: 0;
  box-sizing: border-box;
  padding: 5px;
}

.quiz-question-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: #0d2d6b;
  margin-bottom: 20px;
  text-align: center;
}

.quiz-options-grid {
  display: flex;
  gap: 16px;
  justify-content: center;
}

.quiz-option-card {
  background: #ffffff;
  border: 1.5px solid #dce4f0;
  border-radius: 10px;
  padding: 20px 16px;
  cursor: pointer;
  flex: 1;
  max-width: 200px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: border-color 0.2s, background-color 0.2s, transform 0.2s;
  box-sizing: border-box;
}

.quiz-option-card:hover {
  border-color: #1a4fa0;
  background-color: #f4f7fc;
  transform: translateY(-2px);
}

.quiz-option-card.selected {
  border-color: #1a4fa0;
  border-width: 2px;
  background-color: #eef3fc;
}

.quiz-option-icon {
  width: 36px;
  height: 36px;
  fill: #1a4fa0;
  margin-bottom: 12px;
}

.quiz-option-label {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: #0d2d6b;
  margin: 0;
}

/* Quiz dropdown question styling */
.quiz-dropdown-wrapper {
  max-width: 320px;
  margin: 0 auto;
}

.quiz-select {
  width: 100%;
  padding: 12px;
  border: 1.5px solid #dce4f0;
  border-radius: 8px;
  background-color: #ffffff;
  font-size: 15px;
  font-weight: 600;
  color: #0d2d6b;
  outline: none;
  cursor: pointer;
  transition: border-color 0.2s;
  appearance: none;
  background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%230d2d6b'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 20px;
}

.quiz-select:focus {
  border-color: #1a4fa0;
}

/* Quiz Result view */
.quiz-result-card {
  border-left: 4px solid #1a4fa0;
  background-color: #f4f7fc;
  padding: 24px;
  border-radius: 0 8px 8px 0;
  box-sizing: border-box;
}

.quiz-result-header {
  font-family: var(--font-outfit), sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: #0d2d6b;
  margin: 0 0 10px 0;
}

.quiz-result-desc {
  font-family: var(--font-sans), sans-serif;
  font-size: 15px;
  color: #555555;
  margin: 0 0 20px 0;
  line-height: 1.6;
}

.quiz-result-btn {
  display: inline-block;
  background-color: #1a4fa0;
  color: #ffffff !important;
  font-family: var(--font-sans), sans-serif;
  font-weight: 700;
  font-size: 15px;
  padding: 12px 24px;
  border-radius: 6px;
  text-decoration: none !important;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(26, 79, 160, 0.2);
  transition: background-color 0.2s, transform 0.2s;
}

.quiz-result-btn:hover {
  background-color: #0d2d6b;
  transform: translateY(-1.5px);
}

.quiz-reset-link {
  display: block;
  width: fit-content;
  margin: 16px auto 0 auto;
  font-family: var(--font-sans), sans-serif;
  font-size: 13px;
  color: #888888;
  text-decoration: underline;
  cursor: pointer;
  transition: color 0.2s;
}

.quiz-reset-link:hover {
  color: #555555;
}

/* Quiz progress indicators */
.quiz-progress-dots {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 32px;
}

.quiz-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: transparent;
  border: 1.5px solid #dce4f0;
  transition: background-color 0.2s, border-color 0.2s;
}

.quiz-dot.active {
  background-color: #1a4fa0;
  border-color: #1a4fa0;
}

@media (max-width: 768px) {
  .quiz-widget-container {
    padding: 24px;
    margin: 20px auto;
  }
  .quiz-options-grid {
    flex-direction: column;
    align-items: center;
    gap: 12px;
  }
  .quiz-option-card {
    width: 100%;
    max-width: 100%;
    flex-direction: row;
    justify-content: flex-start;
    padding: 14px 20px;
    gap: 16px;
  }
  .quiz-option-icon {
    margin-bottom: 0;
    width: 28px;
    height: 28px;
  }
}

/* ==========================================================================
   REVIEWS ACCORDION & CAROUSEL SECTION (PROMPT 23)
   ========================================================================== */
.reviews-section {
  background-color: #ffffff;
  padding: 64px 0;
  width: 100%;
  box-sizing: border-box;
}

.reviews-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 32px;
  font-weight: 800;
  color: #0d2d6b;
  text-align: center;
  margin: 0 0 8px 0;
}

.reviews-subtitle {
  font-family: var(--font-sans), sans-serif;
  font-size: 16px;
  color: #666666;
  text-align: center;
  margin: 0 0 40px 0;
}

.reviews-carousel-wrapper {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
  position: relative;
  box-sizing: border-box;
}

.reviews-grid-desktop {
  display: flex;
  gap: 20px;
  justify-content: center;
}

.review-card {
  background: #ffffff;
  border: 1px solid #e0e8f0;
  border-radius: 10px;
  padding: 28px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
  box-sizing: border-box;
  flex: 1;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s;
}

.review-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
}

.review-stars {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
}

.star-icon {
  width: 20px;
  height: 20px;
  fill: #f5a623;
}

.review-text {
  font-family: var(--font-sans), sans-serif;
  font-style: italic;
  font-size: 15px;
  color: #444444;
  line-height: 1.7;
  margin: 0 0 20px 0;
  flex-grow: 1;
}

.reviewer-name {
  font-family: var(--font-outfit), sans-serif;
  font-weight: 700;
  font-size: 14px;
  color: #222222;
  margin: 0 0 4px 0;
}

.review-source-row {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
}

.review-source-text {
  font-family: var(--font-sans), sans-serif;
  font-size: 12px;
  color: #888888;
}

.google-icon-svg {
  width: 14px;
  height: 14px;
}

/* Mobile carousel adjustments */
.reviews-carousel-mobile-controls {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 24px;
}

.mobile-carousel-arrow {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid #e0e8f0;
  background-color: #ffffff;
  color: #1a4fa0;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background-color 0.2s, color 0.2s;
  box-shadow: 0 2px 6px rgba(0,0,0,0.05);
}

.mobile-carousel-arrow:hover {
  background-color: #f4f7fc;
}

@media (max-width: 768px) {
  .reviews-grid-desktop {
    display: none; /* Switch to controlled cards */
  }
  
  .reviews-carousel-mobile-controls {
    display: flex;
  }
  
  .review-card {
    width: 100%;
    margin: 0 auto;
  }
}

.leave-review-container {
  display: flex;
  justify-content: center;
  margin-top: 40px;
}

.btn-leave-review {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 2px solid #1a4fa0;
  background-color: transparent;
  color: #1a4fa0 !important;
  font-family: var(--font-sans), sans-serif;
  font-weight: 700;
  font-size: 15px;
  padding: 12px 24px;
  border-radius: 6px;
  text-decoration: none !important;
  transition: background-color 0.2s, color 0.2s;
}

.btn-leave-review:hover {
  background-color: #1a4fa0;
  color: #ffffff !important;
}

/* ==========================================================================
   SEO LANDING PAGES & BLOG / GLOSSARY STYLING
   ========================================================================== */
.breadcrumbs {
  font-family: var(--font-sans), sans-serif;
  font-size: 13px;
  color: #888888;
  margin-bottom: 16px;
}

.breadcrumbs a {
  color: #1a4fa0;
  text-decoration: none;
}

.breadcrumbs a:hover {
  text-decoration: underline;
}

.breadcrumbs span {
  margin: 0 8px;
}

.landing-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin: 32px 0;
}

.landing-card {
  background: #ffffff;
  border: 1px solid #e0e8f0;
  border-radius: 8px;
  padding: 24px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.03);
}

.landing-card-icon {
  width: 44px;
  height: 44px;
  fill: #1a4fa0;
  margin-bottom: 16px;
}

.landing-card-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: #0d2d6b;
  margin: 0 0 8px 0;
}

.landing-card-desc {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  color: #555555;
  line-height: 1.6;
  margin: 0;
}

.warning-callout-box {
  background-color: #f0f6ff;
  border-left: 4px solid #1a4fa0;
  padding: 24px;
  border-radius: 0 8px 8px 0;
  margin: 32px 0;
  box-sizing: border-box;
}

.warning-callout-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: #0d2d6b;
  margin: 0 0 8px 0;
}

.warning-callout-text {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  color: #444444;
  line-height: 1.6;
  margin: 0;
}

/* Three-column landing layout */
.three-col-landing {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 32px 0;
}

@media (max-width: 768px) {
  .three-col-landing {
    grid-template-columns: 1fr;
  }
}

/* Blog layouts */
.blog-header {
  background-color: #0d2d6b;
  padding: 60px 20px;
  text-align: center;
  color: #ffffff;
}

.blog-main-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 40px;
  font-weight: 800;
  margin: 0 0 10px 0;
}

.blog-main-subtitle {
  font-family: var(--font-sans), sans-serif;
  font-size: 18px;
  color: #a8bcd8;
  margin: 0;
}

.blog-layout-container {
  max-width: 1100px;
  margin: 40px auto;
  padding: 0 20px;
  display: flex;
  gap: 40px;
  box-sizing: border-box;
}

.blog-left-content {
  width: 70%;
}

.blog-right-sidebar {
  width: 30%;
}

@media (max-width: 900px) {
  .blog-layout-container {
    flex-direction: column;
  }
  .blog-left-content {
    width: 100%;
  }
  .blog-right-sidebar {
    width: 100%;
  }
}

/* Filter pills */
.blog-filter-bar {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 30px;
  border-bottom: 1px solid #e0e8f0;
  padding-bottom: 16px;
}

.filter-pill {
  padding: 8px 18px;
  background-color: #f4f7fc;
  border: 1px solid #dce4f0;
  border-radius: 20px;
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: #555555;
  cursor: pointer;
  transition: all 0.2s ease;
}

.filter-pill:hover,
.filter-pill.active {
  background-color: #1a4fa0;
  border-color: #1a4fa0;
  color: #ffffff;
}

/* Blog Post Cards */
.blog-post-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

@media (max-width: 600px) {
  .blog-post-grid {
    grid-template-columns: 1fr;
  }
}

.blog-card {
  background: #ffffff;
  border: 1px solid #e0e8f0;
  border-radius: 8px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s;
  text-decoration: none !important;
}

.blog-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.06);
}

.blog-card-image-box {
  width: 100%;
  aspect-ratio: 16/9;
  background: linear-gradient(135deg, #1a4fa0, #0d2d6b);
  position: relative;
}

.blog-card-category-pill {
  position: absolute;
  top: 12px;
  left: 12px;
  background-color: #ffffff;
  color: #1a4fa0;
  font-family: var(--font-sans), sans-serif;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 4px;
  box-shadow: 0 2px 4px rgba(0,0,0,0.1);
  text-transform: uppercase;
}

.blog-card-content {
  padding: 16px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.blog-card-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: #0d2d6b;
  margin: 0 0 8px 0;
  line-height: 1.3;
}

.blog-card-excerpt {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  color: #666666;
  line-height: 1.5;
  margin: 0 0 16px 0;
}

.blog-card-meta-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: auto;
  font-family: var(--font-sans), sans-serif;
  font-size: 12px;
  color: #888888;
}

.blog-card-readmore {
  color: #1a4fa0;
  font-weight: 700;
}

/* Sidebar Widgets */
.sidebar-widget {
  background: #ffffff;
  border: 1px solid #e0e8f0;
  border-radius: 8px;
  padding: 20px;
  margin-bottom: 24px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.02);
}

.sidebar-widget-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: #0d2d6b;
  margin: 0 0 12px 0;
  border-bottom: 2px solid #f4f7fc;
  padding-bottom: 8px;
}

.newsletter-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.newsletter-input {
  width: 100%;
  padding: 10px;
  border: 1px solid #e0e8f0;
  border-radius: 6px;
  font-size: 14px;
  outline: none;
  box-sizing: border-box;
}

.newsletter-input:focus {
  border-color: #1a4fa0;
}

.newsletter-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-family: var(--font-sans), sans-serif;
  font-size: 11px;
  color: #666666;
  line-height: 1.4;
  cursor: pointer;
}

.newsletter-consent input {
  margin-top: 2px;
}

.newsletter-btn {
  width: 100%;
  padding: 10px;
  background-color: #1a4fa0;
  color: #ffffff;
  border: none;
  border-radius: 6px;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  transition: background-color 0.2s;
}

.newsletter-btn:hover {
  background-color: #0d2d6b;
}

/* Glossary A-Z letter navigation */
.glossary-az-nav {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 30px;
  justify-content: center;
}

.az-letter-link {
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: #f4f7fc;
  border: 1px solid #dce4f0;
  border-radius: 4px;
  font-family: var(--font-sans), sans-serif;
  font-weight: 700;
  font-size: 14px;
  color: #1a4fa0;
  text-decoration: none;
  transition: all 0.2s;
}

.az-letter-link:hover {
  background-color: #1a4fa0;
  color: #ffffff;
  border-color: #1a4fa0;
}

.az-letter-link.disabled,
.disabled-letter {
  background-color: #fcfcfc;
  color: #bbb;
  border-color: #eeeeee;
  cursor: default;
  pointer-events: none;
}

.glossary-section-header {
  font-family: var(--font-outfit), sans-serif;
  font-size: 26px;
  font-weight: 800;
  color: #0d2d6b;
  border-bottom: 1.5px solid #dce4f0;
  padding-bottom: 6px;
  margin: 32px 0 16px 0;
}

.glossary-definition-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.glossary-term-item {
  padding-bottom: 16px;
  border-bottom: 1px solid #f4f7fc;
}

.glossary-term-name {
  font-family: var(--font-outfit), sans-serif;
  font-weight: 700;
  font-size: 16px;
  color: #0d2d6b;
  margin: 0 0 6px 0;
}

.glossary-term-def {
  font-family: var(--font-sans), sans-serif;
  font-size: 15px;
  color: #555555;
  line-height: 1.6;
  margin: 0;
}

/* Blog Article Post Styling */
.article-header {
  margin-bottom: 24px;
}

.article-category {
  font-family: var(--font-sans), sans-serif;
  color: #1a4fa0;
  font-weight: 700;
  text-transform: uppercase;
  font-size: 12px;
  display: inline-block;
  margin-bottom: 8px;
}

.article-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 32px;
  font-weight: 800;
  color: #0d2d6b;
  line-height: 1.25;
  margin: 0 0 12px 0;
}

.article-meta {
  font-family: var(--font-sans), sans-serif;
  font-size: 13px;
  color: #888888;
  display: flex;
  gap: 16px;
  align-items: center;
  border-bottom: 1px solid #f4f7fc;
  padding-bottom: 16px;
}

/* Article Table of Contents Box */
.article-toc-box {
  background-color: #f4f7fc;
  border-left: 3px solid #1a4fa0;
  padding: 18px 20px;
  border-radius: 0 6px 6px 0;
  margin: 24px 0;
}

.article-toc-title {
  font-family: var(--font-outfit), sans-serif;
  font-weight: 700;
  font-size: 15px;
  color: #0d2d6b;
  margin: 0 0 10px 0;
}

.article-toc-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.article-toc-list a {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  color: #1a4fa0;
  text-decoration: none;
}

.article-toc-list a:hover {
  text-decoration: underline;
}

/* Article content body */
.article-body-content h2 {
  font-family: var(--font-outfit), sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: #0d2d6b;
  margin: 32px 0 12px 0;
}

.article-body-content p {
  font-family: var(--font-sans), sans-serif;
  font-size: 15px;
  color: #333333;
  line-height: 1.7;
  margin-bottom: 18px;
}

/* Table styling for CGL vs Professional Liability comparison */
.cgl-comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
}

.cgl-comparison-table th {
  background-color: #0d2d6b;
  color: #ffffff;
  text-align: left;
  padding: 12px;
  font-weight: 700;
  border: 1px solid #e0e8f0;
}

.cgl-comparison-table td {
  padding: 12px;
  border: 1px solid #e0e8f0;
  color: #333333;
}

.cgl-comparison-table tr:nth-child(even) {
  background-color: #f4f7fc;
}

/* Social Share Row */
.social-share-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 32px;
  border-top: 1px solid #e0e8f0;
  padding-top: 16px;
}

.social-share-label {
  font-family: var(--font-sans), sans-serif;
  font-weight: 700;
  font-size: 13px;
  color: #666666;
}

.social-share-icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background-color: #f4f7fc;
  border: 1px solid #dce4f0;
  color: #1a4fa0;
  cursor: pointer;
  transition: all 0.2s;
}

.social-share-icon-btn:hover {
  background-color: #1a4fa0;
  color: #ffffff;
  border-color: #1a4fa0;
}

.social-share-icon-btn svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

/* Related articles grid */
.related-articles-section {
  margin-top: 40px;
  border-top: 2px solid #f4f7fc;
  padding-top: 32px;
}

.related-articles-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: #0d2d6b;
  margin-bottom: 20px;
}

/* Typing Indicator Animation */
@keyframes typingBounce {
  0%, 80%, 100% { transform: scale(0); }
  40% { transform: scale(1.0); }
}

/* AI Chat Panel Responsiveness */
@media (max-width: 768px) {
  #aiChatPanel {
    width: 100% !important;
    height: 100% !important;
    bottom: 0 !important;
    right: 0 !important;
    border-radius: 0 !important;
  }
}

/* Exit Intent Popup Modal Styles */
.exit-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 11000;
}

.exit-modal-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.65);
}

.exit-modal-box {
  position: relative;
  width: 540px;
  height: 360px;
  background: #ffffff;
  border-radius: 12px;
  padding: 40px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.25);
  box-sizing: border-box;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  z-index: 11001;
  animation: exitModalFadeIn 0.3s ease-out;
}

@keyframes exitModalFadeIn {
  from { opacity: 0; transform: scale(0.95); }
  to { opacity: 1; transform: scale(1); }
}

.exit-modal-close-btn {
  position: absolute;
  top: 15px;
  right: 20px;
  background: none;
  border: none;
  font-size: 28px;
  color: #888888;
  cursor: pointer;
  line-height: 1;
  padding: 0;
}

.exit-modal-close-btn:hover {
  color: #333333;
}

.exit-pill {
  display: inline-block;
  background: #e8f0fd;
  color: #1a4fa0;
  border: 1px solid #b3c8f5;
  border-radius: 20px;
  padding: 4px 12px;
  font-size: 11px;
  font-weight: 700;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.exit-modal-box h2 {
  font-family: var(--font-outfit), sans-serif;
  font-size: 24px;
  font-weight: 800;
  color: #0d2d6b;
  margin: 0 0 12px 0;
  line-height: 1.3;
}

.exit-modal-box p {
  font-size: 15px;
  color: #555555;
  line-height: 1.5;
  margin: 0 0 24px 0;
}

.exit-buttons-row {
  display: flex;
  gap: 12px;
  justify-content: center;
  margin-bottom: 20px;
  width: 100%;
}

.exit-action-btn {
  flex: 1;
  padding: 12px 8px;
  background: #1a4fa0;
  color: #ffffff;
  text-decoration: none;
  border-radius: 6px;
  font-weight: 600;
  font-size: 13px;
  transition: background-color 0.2s;
  text-align: center;
}

.exit-action-btn:hover {
  background: #0d2d6b;
}

.exit-dismiss-btn {
  background: none;
  border: none;
  font-size: 13px;
  color: #888888;
  text-decoration: underline;
  cursor: pointer;
  transition: color 0.2s;
}

.exit-dismiss-btn:hover {
  color: #555555;
}

@media (max-width: 768px) {
  .exit-modal {
    display: none !important;
  }
}

/* ==========================================================================
   PREMIUM DARK FOOTER STYLING (GET RATES STYLE)
   ========================================================================== */
.premium-dark-footer {
  background-color: #081329; /* Dark slate blue */
  color: #ffffff;
  padding: 5rem 2rem 4rem 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-family: var(--font-sans), sans-serif;
  margin-bottom: 3.5rem;
}

.premium-footer-container {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
}

@media (min-width: 768px) {
  .premium-footer-container {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .premium-footer-container {
    grid-template-columns: 2fr 2fr 1.2fr 1.2fr 1.2fr;
    gap: 2rem;
  }
}

.premium-footer-col {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.premium-footer-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-logo-text {
  font-family: var(--font-outfit), sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: #ffffff;
}

.brand-tagline {
  font-size: 0.95rem;
  color: #a8bcd8;
  line-height: 1.6;
  margin: 0;
}

.footer-social-icons {
  display: flex;
  gap: 1rem;
}

.social-icon {
  color: #a8bcd8;
  transition: color 0.3s ease;
  display: flex;
  align-items: center;
  justify-content: center;
}

.social-icon:hover {
  color: #3b82f6; /* Cyan-blue accent */
}

.footer-trust-badge {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  align-self: flex-start;
}

.trust-badge-content {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.trust-text {
  font-size: 0.85rem;
  font-weight: 700;
  color: #ffffff;
}

.trust-index-text {
  font-size: 0.75rem;
  color: #64748b;
  margin-top: 4px;
}

.col-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: relative;
  padding-bottom: 0.5rem;
}

.col-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 30px;
  height: 2px;
  background-color: #3b82f6;
}

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

.contact-icon {
  color: #3b82f6;
  margin-top: 2px;
  flex-shrink: 0;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.contact-label {
  font-size: 0.75rem;
  color: #64748b;
  text-transform: uppercase;
  font-weight: 600;
}

.contact-link {
  font-size: 0.9rem;
  color: #ffffff;
  text-decoration: none;
  transition: color 0.3s ease;
}

.contact-link:hover {
  color: #3b82f6;
}

.contact-text {
  font-size: 0.9rem;
  color: #a8bcd8;
}

.footer-links-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links-list a {
  color: #a8bcd8;
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.3s ease, padding-left 0.3s ease;
  display: inline-block;
}

.footer-links-list a:hover {
  color: #3b82f6;
  padding-left: 4px;
}

.footer-callback-form {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.form-input-wrapper {
  width: 100%;
}

.callback-input {
  width: 100%;
  padding: 0.85rem 1rem;
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 6px;
  color: #ffffff;
  font-size: 0.9rem;
  box-sizing: border-box;
  transition: border-color 0.3s ease, background-color 0.3s ease;
}

.callback-input:focus {
  outline: none;
  border-color: #3b82f6;
  background-color: rgba(255, 255, 255, 0.05);
}

.callback-submit-btn {
  background-color: #3b82f6;
  color: #ffffff;
  border: none;
  border-radius: 6px;
  padding: 0.85rem;
  font-weight: 700;
  font-size: 0.9rem;
  cursor: pointer;
  transition: background-color 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.callback-submit-btn:hover {
  background-color: #2563eb;
}

.callback-submit-btn:disabled {
  background-color: #1e3a8a;
  cursor: not-allowed;
}

/* Horizontal card body layout */
.card-body-wrapper {
  padding: 2.25rem 2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex-grow: 1;
}

.card-header-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.5rem;
}

.card-icon-header-inline {
  color: var(--primary-indigo);
  flex-shrink: 0;
  display: flex;
  align-items: center;
}

.card-icon-header-inline svg {
  display: block;
}

.category-premium-card .card-title {
  margin: 0;
  text-align: left;
  font-size: 1.35rem;
  color: var(--text-dark);
}

.category-premium-card .card-desc {
  margin: 0.5rem 0 1rem 0;
  text-align: left;
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.5;
  flex-grow: 1;
}

.category-premium-card .card-brackets {
  font-size: 0.82rem;
  color: var(--text-muted);
  text-align: left;
  margin-bottom: 0.25rem;
  background-color: #f1f5f9;
  padding: 0.35rem 0.75rem;
  border-radius: 8px;
  align-self: flex-start;
}

.category-premium-card .card-social-proof {
  font-size: 0.82rem;
  color: #10b981;
  text-align: left;
  margin-bottom: 1.25rem;
}

/* --- CONVERSATIONAL CHAT ASSISTANT STYLES --- */
.chat-assistant-container {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  width: 100%;
  max-width: 750px;
  margin: 1.5rem auto 0.5rem;
  background: rgba(10, 25, 47, 0.5);
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 1.5rem;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.35);
  backdrop-filter: blur(8px);
}

.chat-messages-log {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  height: 380px;
  overflow-y: auto;
  padding: 1rem;
  background: rgba(15, 23, 42, 0.75);
  border: 1.5px solid rgba(255, 255, 255, 0.05);
  border-radius: 12px;
  scroll-behavior: smooth;
}

.chat-messages-log::-webkit-scrollbar {
  width: 6px;
}
.chat-messages-log::-webkit-scrollbar-track {
  background: transparent;
}
.chat-messages-log::-webkit-scrollbar-thumb {
  background: rgba(255, 255, 255, 0.15);
  border-radius: 3px;
}
.chat-messages-log::-webkit-scrollbar-thumb:hover {
  background: rgba(255, 255, 255, 0.3);
}

.chat-bubble {
  max-width: 80%;
  padding: 0.85rem 1.15rem;
  border-radius: 14px;
  font-size: 0.92rem;
  line-height: 1.5;
  animation: chatBubbleIn 0.25s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

@keyframes chatBubbleIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.chat-bubble.assistant {
  align-self: flex-start;
  background: linear-gradient(135deg, #1e293b 0%, #0f172a 100%);
  color: #f1f5f9;
  border-bottom-left-radius: 2px;
  border-left: 3px solid #6366f1;
  border: 1px solid rgba(255, 255, 255, 0.05);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.chat-bubble.user {
  align-self: flex-end;
  background: linear-gradient(135deg, #2563eb 0%, #7c3aed 100%);
  color: #ffffff;
  border-bottom-right-radius: 2px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 4px 12px rgba(99, 102, 241, 0.2);
}

.chat-input-controls {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding-top: 0.5rem;
}

.chat-input-row {
  display: flex;
  gap: 0.5rem;
  width: 100%;
}

.chat-input-row .form-input {
  margin-bottom: 0 !important;
}

.chat-btn-submit {
  flex-shrink: 0;
  padding: 0.75rem 1.25rem;
  background: var(--accent-color);
  color: #ffffff;
  border: none;
  border-radius: 8px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
}
.chat-btn-submit:hover {
  filter: brightness(1.15);
}

.chat-options-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 0.5rem;
  width: 100%;
}

.chat-options-checkboxes-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 0.5rem;
  width: 100%;
  max-height: 200px;
  overflow-y: auto;
  padding: 0.5rem;
  background: rgba(0, 0, 0, 0.15);
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.05);
}

.chat-checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 8px;
  padding: 0.5rem 0.75rem;
  cursor: pointer;
  transition: all 0.2s ease;
  font-size: 0.85rem;
  color: #cbd5e1;
}
.chat-checkbox-label:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.15);
}
.chat-checkbox-label.selected {
  background: rgba(26, 79, 160, 0.25);
  border-color: var(--accent-color);
  color: #ffffff;
}

.chat-btn-option {
  padding: 0.6rem 1rem;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(99, 102, 241, 0.2);
  border-radius: 8px;
  color: #cbd5e1;
  font-weight: 500;
  font-size: 0.88rem;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
}
.chat-btn-option:hover {
  background: rgba(99, 102, 241, 0.1);
  border-color: rgba(99, 102, 241, 0.4);
  color: #ffffff;
}
.chat-btn-option.primary {
  background: linear-gradient(135deg, #2563eb 0%, #7c3aed 100%);
  border: none;
  color: #ffffff;
}
.chat-btn-option.primary:hover {
  filter: brightness(1.15);
}

.chat-progress-text {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* --- BUSINESS CATEGORY SELECTION GRID --- */
.business-category-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
  width: 100%;
}

@media (max-width: 992px) {
  .business-category-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 576px) {
  .business-category-grid {
    grid-template-columns: repeat(1, minmax(0, 1fr));
  }
}

.business-category-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 1.75rem 1rem;
  background: #ffffff;
  border: 1.5px solid rgba(15, 23, 42, 0.06);
  border-radius: 16px;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  text-align: center;
  box-shadow: 0 4px 6px -1px rgba(15, 23, 42, 0.04), 0 2px 4px -1px rgba(15, 23, 42, 0.02);
  position: relative;
  overflow: hidden;
}

.business-category-card:hover {
  border-color: rgba(26, 79, 160, 0.3);
  background: linear-gradient(145deg, #ffffff, rgba(26, 79, 160, 0.015));
  transform: translateY(-4px);
  box-shadow: 0 12px 20px -8px rgba(26, 79, 160, 0.12), 0 4px 12px -2px rgba(26, 79, 160, 0.05);
}

.business-category-card:hover .card-icon-container {
  background: #1a4fa0;
  color: #ffffff;
  transform: scale(1.05);
}

.business-category-card.selected {
  border-color: #1a4fa0 !important;
  background: rgba(26, 79, 160, 0.04) !important;
  box-shadow: 0 0 0 1px #1a4fa0, 0 12px 20px -8px rgba(26, 79, 160, 0.18) !important;
}

.business-category-card.selected .card-icon-container {
  background: #1a4fa0 !important;
  color: #ffffff !important;
  transform: scale(1.05);
}

.business-category-card.selected .card-label {
  color: #1a4fa0 !important;
}

.business-category-card .card-icon-container {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(26, 79, 160, 0.06);
  color: #1a4fa0;
  margin-bottom: 1rem;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.business-category-card .card-icon-container svg {
  width: 24px;
  height: 24px;
  stroke-width: 1.75;
}

.business-category-card .card-label {
  font-size: 0.95rem;
  font-weight: 600;
  color: #334155;
  line-height: 1.35;
  transition: color 0.3s ease;
}

/* --- ADDRESS AUTOCOMPLETE DROPDOWN STYLES --- */
.address-suggestions-list {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: #1e293b;
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  border-radius: 8px;
  max-height: 200px;
  overflow-y: auto;
  z-index: 2000;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.5);
  margin-top: 4px;
}

.address-suggestion-item {
  padding: 10px 14px;
  cursor: pointer;
  font-size: 0.85rem;
  color: #e2e8f0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  transition: all 0.2s ease;
  text-align: left;
  line-height: 1.4;
}

.address-suggestion-item:last-child {
  border-bottom: none;
}

.address-suggestion-item:hover {
  background: linear-gradient(135deg, #2563eb 0%, #7c3aed 100%);
  color: #ffffff;
}

/* ==========================================================================
   Responsive Overrides & Nav Updates (under 1024px)
   ========================================================================== */
@media (max-width: 1023px) {
  .nav-menu, .header-cta {
    display: none !important;
  }
  .mobile-nav-toggle {
    display: flex !important;
  }
  .mobile-menu-drawer {
    position: fixed !important;
    top: 70px !important;
    left: 0 !important;
    right: 0 !important;
    bottom: 0 !important;
    height: calc(100vh - 70px) !important;
    width: 100% !important;
    max-height: none !important;
    background-color: #ffffff !important;
    z-index: 9999 !important;
    padding: 2rem 1.5rem !important;
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.08) !important;
  }
  .mobile-menu-content {
    display: flex !important;
    flex-direction: column !important;
    gap: 0.75rem !important;
    align-items: stretch !important;
    width: 100% !important;
  }
  .mobile-menu-link {
    min-height: 52px !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    font-size: 1.1rem !important;
    font-weight: 600 !important;
    color: #1f2937 !important;
    border-bottom: 1px solid rgba(15, 23, 42, 0.06) !important;
    width: 100% !important;
    text-align: center !important;
    padding: 0 !important;
  }
  .mobile-menu-cta {
    min-height: 52px !important;
    width: 100% !important;
    max-width: none !important;
    margin-top: 1.5rem !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    font-size: 1.1rem !important;
    font-weight: 600 !important;
  }
}

/* Hero Trust Badges stack under 480px */
@media (max-width: 480px) {
  .trust-micro-line {
    display: flex !important;
    flex-direction: column !important;
    gap: 8px !important;
    align-items: center !important;
  }
  .trust-separator {
    display: none !important;
  }
}

/* Mobile responsive fixes for form layouts */
@media (max-width: 767px) {
  .interactive-card-container {
    padding: 1.5rem 1rem !important;
    border-radius: 16px !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }
  .form-grid {
    grid-template-columns: 1fr !important;
    gap: 1.25rem !important;
  }
  .input-group {
    width: 100% !important;
  }
  .form-step-panel .step-buttons-row,
  .form-step-panel .btn-row-flex {
    display: flex !important;
    flex-direction: row !important;
    justify-content: space-between !important;
    align-items: center !important;
    gap: 4% !important;
    width: 100% !important;
  }
  .form-step-panel button {
    width: 48% !important;
    min-height: 48px !important;
    font-size: 14px !important;
    padding: 0 10px !important;
    box-sizing: border-box !important;
  }
}

/* ==========================================================================
   Real-Time Form Validation Visuals
   ========================================================================== */
.field-error {
  border: 2px solid #DC2626 !important;
  background-color: #FEF2F2 !important;
}
.field-success {
  border: 2px solid #16A34A !important;
  background-color: #F0FDF4 !important;
}
.error-message {
  color: #DC2626 !important;
  font-size: 12px !important;
  margin-top: 4px !important;
  display: block !important;
  text-align: left !important;
  font-weight: 500 !important;
}

/* Disabled button controls */
button:disabled, button.disabled {
  background-color: #94a3b8 !important;
  background-image: none !important;
  color: #cbd5e1 !important;
  cursor: not-allowed !important;
  box-shadow: none !important;
  opacity: 0.6 !important;
  pointer-events: none !important;
}

/* Explicit Form Colors & Fonts (Issue 7) */
form, form * {
  color: #1F2937 !important;  /* dark charcoal */
}
form label {
  color: #111827 !important;
  font-weight: 500 !important;
  font-size: 14px !important;
}
form input,
form select,
form textarea {
  color: #1F2937 !important;
  background-color: #FFFFFF !important;
  border: 1px solid #D1D5DB !important;
  font-family: inherit !important;
  font-size: 15px !important;
  min-height: 48px !important;
}
form input::placeholder,
form select::placeholder {
  color: #9CA3AF !important;  /* light grey placeholder */
}
form button {
  font-family: inherit !important;
  font-size: 15px !important;
  font-weight: 600 !important;
  min-height: 48px !important;
  color: #ffffff !important;
}
form button span,
form button svg,
form button * {
  color: inherit !important;
}

/* Vertical Category Stack Panel (Issue 9) */
.hero-cards-stack-container {
  display: flex;
  flex-direction: column;
  gap: 12px;
  width: 100%;
  max-width: 600px;
  margin: 2rem auto 0 auto;
}
@media (max-width: 767px) {
  .hero-cards-stack-container {
    display: none !important;
  }
}
.info-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  border-left: 3px solid #F5A623;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 8px;
  cursor: default;
  pointer-events: none;
  text-align: left;
  transition: none;
}
.info-card .card-icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: rgba(245, 166, 35, 0.1);
  border-radius: 50%;
}
.info-card .card-icon svg {
  color: #F5A623 !important;
  stroke: #F5A623 !important;
}
.info-card .card-text-wrapper {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.info-card .card-title {
  font-family: var(--font-outfit), sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: #ffffff !important;
}
.info-card .card-desc {
  font-family: var(--font-sans), sans-serif;
  font-size: 14px;
  color: #a8bcd8 !important;
}

/* Loading spinner */
.spinner-icon {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  border-top-color: #ffffff !important;
  animation: spin 0.8s linear infinite;
  margin-right: 8px;
  vertical-align: middle;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}

/* --- ROTARY 3D CAROUSEL STYLES --- */
.rotary-carousel-container {
  position: relative;
  width: 100%;
  max-width: 480px;
  height: 385px;
  margin: 1.5rem auto 0 auto;
  perspective: 1000px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.rotary-track {
  position: relative;
  width: 100%;
  height: 100%;
  transform-style: preserve-3d;
}

.rotary-slide {
  position: absolute;
  width: 270px;
  height: 350px;
  left: 50%;
  top: 50%;
  margin-left: -135px;
  margin-top: -175px;
  transition: transform 0.6s cubic-bezier(0.25, 1, 0.5, 1), opacity 0.6s, z-index 0.6s;
  cursor: pointer;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.4);
  background-color: #0b1a36;
}

.slide-card {
  position: relative;
  width: 100%;
  height: 100%;
}

.slide-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s;
}

.rotary-slide.active:hover .slide-img {
  transform: scale(1.05);
}

.slide-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 100%;
  padding: 1.5rem;
  background: linear-gradient(to top, rgba(8, 19, 41, 0.95) 0%, rgba(8, 19, 41, 0.7) 50%, rgba(8, 19, 41, 0.2) 100%);
  color: #ffffff;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  text-align: left;
}

.slide-title {
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 0.25rem;
  color: #ffffff !important;
}

.slide-desc {
  font-size: 0.85rem;
  line-height: 1.4;
  color: #a8bcd8 !important;
  margin-bottom: 1rem;
}

.slide-btn {
  background-color: #F5A623;
  color: #081329 !important;
  font-weight: 700;
  font-size: 0.85rem;
  border: none;
  padding: 0.6rem 1rem;
  border-radius: 8px;
  cursor: pointer;
  transition: background-color 0.2s, transform 0.2s;
  width: 100%;
  text-align: center;
}

.slide-btn:hover {
  background-color: #e09212;
  transform: translateY(-2px);
}

/* 3D States */
.rotary-slide.active {
  transform: translate3d(0, 0, 100px) rotateY(0deg) scale(1);
  opacity: 1;
  z-index: 10;
  pointer-events: auto;
}

.rotary-slide.prev {
  transform: translate3d(-130px, 0, 0) rotateY(25deg) scale(0.85);
  opacity: 0.65;
  z-index: 5;
}

.rotary-slide.next {
  transform: translate3d(130px, 0, 0) rotateY(-25deg) scale(0.85);
  opacity: 0.65;
  z-index: 5;
}

.rotary-slide.hidden {
  transform: translate3d(0, 0, -200px) scale(0.5);
  opacity: 0;
  z-index: 1;
  pointer-events: none;
}

/* Navigation arrows */
.rotary-nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  background-color: rgba(8, 19, 41, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 50%;
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, transform 0.2s;
  z-index: 15;
}

.rotary-nav:hover {
  background-color: rgba(8, 19, 41, 0.95);
  border-color: rgba(255, 255, 255, 0.3);
  transform: translateY(-50%) scale(1.05);
}

.rotary-nav.prev {
  left: -15px;
}

.rotary-nav.next {
  right: -15px;
}

/* Responsive adjustments */
@media (max-width: 767px) {
  .rotary-slide.prev {
    transform: translate3d(-80px, 0, 0) rotateY(20deg) scale(0.8);
    opacity: 0.55;
  }
  .rotary-slide.next {
    transform: translate3d(80px, 0, 0) rotateY(-20deg) scale(0.8);
    opacity: 0.55;
  }
  .rotary-slide {
    width: 210px;
    height: 310px;
    margin-left: -105px;
    margin-top: -155px;
  }
  .rotary-carousel-container {
    height: 340px;
    max-width: 380px;
  }
  .rotary-nav.prev {
    left: -10px;
  }
  .rotary-nav.next {
    right: -10px;
  }
}







/* ==========================================================================
   GLOBAL HIDES OVERRIDES (Bypassing Get a Quote & Business Proceed)
   ========================================================================== */
#btnHeaderGetStarted,
#btnMobileGetStarted,
#btnBusinessProceedTo2 {
  display: none !important;
}


/* Symmetrical Header Centering Override on Desktop */
@media (min-width: 1024px) {
  .logo {
    flex: 1 1 0% !important;
  }
  .nav-menu {
    flex: 0 0 auto !important;
    justify-content: center !important;
  }
  .nav-actions {
    flex: 1 1 0% !important;
    display: flex !important;
    justify-content: flex-end !important;
  }
}


/* ==========================================================================
   MULTI-PAGE ARCHITECTURE & COMPONENT STYLES (v3.0)
   ========================================================================== */

/* Breadcrumb Navigation */
.breadcrumb-container {
  max-width: 1200px;
  margin: 1rem auto 0 auto;
  padding: 0 1.5rem;
}
.breadcrumb-list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 0.85rem;
  color: var(--text-muted, #64748b);
}
.breadcrumb-item a {
  color: var(--primary-indigo, #1e40af);
  text-decoration: none;
  font-weight: 500;
}
.breadcrumb-item a:hover {
  text-decoration: underline;
}
.breadcrumb-separator {
  margin: 0 0.5rem;
  color: #cbd5e1;
}
.breadcrumb-item.current {
  color: #1e293b;
  font-weight: 600;
}

/* Product Hero Sections */
.product-hero-section {
  background: linear-gradient(135deg, #081329 0%, #0d2347 100%);
  color: #ffffff;
  padding: 3.5rem 1.5rem 4rem 1.5rem;
  position: relative;
  overflow: hidden;
}
.product-hero-container {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3rem;
  align-items: center;
}
.product-badge {
  display: inline-block;
  background: rgba(30, 64, 175, 0.4);
  border: 1px solid rgba(96, 165, 250, 0.4);
  color: #93c5fd;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.product-hero-title {
  font-family: var(--font-outfit, 'Outfit', sans-serif);
  font-size: 2.5rem;
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin: 0 0 1rem 0;
  color: #ffffff;
}
.product-hero-desc {
  font-size: 1.05rem;
  line-height: 1.6;
  color: #cbd5e1;
  margin: 0 0 2rem 0;
}
.hero-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 1.5rem;
}
.hero-stat-box strong {
  display: block;
  font-size: 0.82rem;
  text-transform: uppercase;
  color: #94a3b8;
  letter-spacing: 0.03em;
}
.hero-stat-box span {
  display: block;
  font-size: 1.05rem;
  font-weight: 700;
  color: #60a5fa;
  margin-top: 0.2rem;
}

/* Standalone Form Cards */
.embedded-form-card {
  background: #ffffff;
  color: #0f172a;
  padding: 2rem 2.2rem;
  border-radius: 20px;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.25);
  border: 1px solid #e2e8f0;
}
.form-card-title {
  font-family: var(--font-outfit, sans-serif);
  font-size: 1.35rem;
  font-weight: 800;
  color: #0a1d37;
  margin: 0 0 0.4rem 0;
}
.form-card-subtitle {
  font-size: 0.88rem;
  color: #64748b;
  margin: 0 0 1.5rem 0;
  line-height: 1.45;
}
.form-row-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}
.input-field-group {
  margin-bottom: 0.95rem;
  text-align: left;
}
.input-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: #334155;
  margin-bottom: 0.35rem;
}
.form-text-input,
.form-select-input {
  width: 100%;
  padding: 0.75rem 0.9rem;
  font-size: 0.92rem;
  border: 1.5px solid #cbd5e1;
  border-radius: 10px;
  background-color: #f8fafc;
  color: #0f172a;
  box-sizing: border-box;
  transition: all 0.2s ease;
  font-family: inherit;
}
.form-text-input:focus,
.form-select-input:focus {
  outline: none;
  border-color: #2563eb;
  background-color: #ffffff;
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}
.field-error-msg {
  display: none;
  font-size: 0.76rem;
  color: #dc2626;
  font-weight: 600;
  margin-top: 0.25rem;
}

/* Checkbox Pills Grid */
.checkbox-pills-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.5rem;
}
.pill-checkbox {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: #f1f5f9;
  padding: 0.55rem 0.8rem;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 500;
  color: #334155;
  cursor: pointer;
  border: 1px solid #e2e8f0;
}
.pill-checkbox:hover {
  background: #e2e8f0;
}
.pill-checkbox input {
  accent-color: #2563eb;
  cursor: pointer;
}

/* Consent Checkbox Box */
.consent-checkbox-group {
  margin: 1.2rem 0;
  text-align: left;
}
.custom-checkbox-container {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  cursor: pointer;
  user-select: none;
}
.custom-checkbox-container input {
  margin-top: 0.25rem;
  accent-color: #2563eb;
}
.checkbox-text-caption {
  font-size: 0.76rem;
  color: #64748b;
  line-height: 1.4;
}
.checkbox-text-caption a {
  color: #2563eb;
  text-decoration: underline;
}

/* Form Action Buttons */
.form-action-row {
  margin-top: 1.2rem;
}
.form-action-row.split-actions {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 0.75rem;
}
.btn-primary-form {
  width: 100%;
  background: linear-gradient(135deg, #1d4ed8, #2563eb);
  color: #ffffff;
  border: none;
  padding: 0.9rem 1.2rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: 10px;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.3);
  transition: all 0.2s ease;
}
.btn-primary-form:hover {
  background: linear-gradient(135deg, #1e40af, #1d4ed8);
  transform: translateY(-1px);
}
.btn-secondary-form {
  background: #f1f5f9;
  color: #475569;
  border: 1px solid #cbd5e1;
  padding: 0.9rem;
  font-size: 0.92rem;
  font-weight: 600;
  border-radius: 10px;
  cursor: pointer;
}
.btn-secondary-form:hover {
  background: #e2e8f0;
}

/* Form Success State */
.form-success-message {
  text-align: center;
  padding: 2.5rem 1.5rem;
}
.success-icon-badge {
  width: 60px;
  height: 60px;
  background: #ecfdf5;
  color: #059669;
  border: 2px solid #a7f3d0;
  font-size: 1.8rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.2rem auto;
}
.success-heading {
  font-size: 1.4rem;
  font-weight: 800;
  color: #065f46;
  margin: 0 0 0.5rem 0;
}
.success-caption {
  font-size: 0.92rem;
  color: #475569;
  line-height: 1.55;
  margin: 0 0 1.5rem 0;
}

/* Editorial Content Layouts */
.editorial-content-section {
  padding: 4rem 1.5rem;
  background-color: #ffffff;
}
.editorial-container {
  max-width: 900px;
  margin: 0 auto;
}
.editorial-main-flow h2 {
  font-family: var(--font-outfit, sans-serif);
  font-size: 1.85rem;
  font-weight: 800;
  color: #0a1d37;
  margin-top: 2rem;
  margin-bottom: 0.85rem;
  line-height: 1.25;
}
.editorial-main-flow h3 {
  font-family: var(--font-outfit, sans-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: #1e3a8a;
  margin-top: 1.8rem;
  margin-bottom: 0.75rem;
}
.editorial-main-flow p,
.editorial-main-flow li {
  font-size: 1rem;
  line-height: 1.7;
  color: #334155;
}
.editorial-main-flow ul,
.editorial-main-flow ol {
  padding-left: 1.5rem;
  margin-bottom: 1.5rem;
}

/* Coverage Breakdown Grid Cards */
.coverage-breakdown-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin: 1.8rem 0;
}
.breakdown-card {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-left: 4px solid #2563eb;
  border-radius: 12px;
  padding: 1.4rem 1.5rem;
}
.breakdown-card h4 {
  font-size: 1.08rem;
  font-weight: 700;
  color: #0f172a;
  margin: 0 0 0.5rem 0;
}
.breakdown-card p {
  font-size: 0.92rem !important;
  line-height: 1.55;
  color: #475569 !important;
  margin: 0;
}

/* Editorial Tables */
.provincial-comparison-table-wrapper {
  overflow-x: auto;
  margin: 2rem 0;
}
.editorial-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}
.editorial-table th {
  background-color: #0f172a;
  color: #ffffff;
  padding: 0.85rem 1rem;
  text-align: left;
  font-weight: 600;
}
.editorial-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid #e2e8f0;
  color: #334155;
}
.editorial-table tr:nth-child(even) {
  background-color: #f8fafc;
}

/* Provincial Hubs Grid */
.province-hub-links-box {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 16px;
  padding: 2rem;
  margin: 3rem 0;
}
.province-hub-links-box h3 {
  margin-top: 0 !important;
  color: #1e40af !important;
}
.hub-links-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
  margin-top: 1.5rem;
}
.hub-link-card {
  background: #ffffff;
  border: 1px solid #dbeafe;
  border-radius: 12px;
  padding: 1.2rem;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all 0.2s ease;
}
.hub-link-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(37, 99, 235, 0.12);
}
.hub-link-card h4 {
  font-size: 1rem;
  font-weight: 700;
  color: #0f172a;
  margin: 0 0 0.4rem 0;
}
.hub-link-card p {
  font-size: 0.82rem !important;
  color: #64748b !important;
  line-height: 1.45;
  margin: 0 0 0.85rem 0;
}
.hub-link-arrow {
  font-size: 0.82rem;
  font-weight: 700;
  color: #2563eb;
}

/* Province Matrix Directory */
.province-matrix-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}
.matrix-card {
  background: #ffffff;
  border: 1.5px solid #e2e8f0;
  border-radius: 16px;
  padding: 1.8rem;
  box-shadow: 0 4px 15px rgba(0,0,0,0.04);
}
.matrix-card.highlighted {
  border-color: #3b82f6;
  background: linear-gradient(180deg, #f8faff 0%, #ffffff 100%);
}
.matrix-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}
.matrix-card-header h3 {
  margin: 0;
  font-size: 1.3rem;
  color: #0a1d37;
}
.matrix-badge {
  font-size: 0.72rem;
  font-weight: 700;
  padding: 0.25rem 0.6rem;
  border-radius: 999px;
  text-transform: uppercase;
}
.matrix-badge.active-all {
  background: #dcfce7;
  color: #15803d;
}
.matrix-badge.active-comm {
  background: #dbeafe;
  color: #1d4ed8;
}
.matrix-category-list {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin: 1.2rem 0;
}
.cat-pill {
  font-size: 0.85rem;
  font-weight: 600;
}
.cat-pill.active {
  color: #059669;
}
.cat-pill.inactive {
  color: #94a3b8;
}
.matrix-links-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  border-top: 1px solid #f1f5f9;
  padding-top: 1rem;
}
.matrix-link {
  font-size: 0.82rem;
  font-weight: 700;
  color: #2563eb;
  text-decoration: none;
}
.matrix-link:hover {
  text-decoration: underline;
}

/* Trust Bar Component */
.trust-compliance-bar {
  background-color: #081329;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 2.5rem 1.5rem;
  color: #ffffff;
}
.trust-container {
  max-width: 1200px;
  margin: 0 auto;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.trust-icon-box {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(37, 99, 235, 0.2);
  color: #60a5fa;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-title {
  font-size: 0.98rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 0.3rem 0;
}
.trust-desc {
  font-size: 0.82rem;
  line-height: 1.45;
  color: #94a3b8;
  margin: 0;
}

/* Minimal Ad Landing Page Layouts */
.lp-clean-body {
  background-color: #081329;
  color: #ffffff;
  margin: 0;
  font-family: var(--font-sans, sans-serif);
}
.lp-minimal-header {
  padding: 1.2rem 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.lp-header-container {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.lp-header-trust {
  font-size: 0.85rem;
  font-weight: 600;
  color: #10b981;
}
.lp-main-wrapper {
  padding: 3rem 1.5rem 5rem 1.5rem;
}
.lp-hero-container {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}
.lp-pill-badge {
  display: inline-block;
  background: rgba(37, 99, 235, 0.35);
  border: 1px solid rgba(96, 165, 250, 0.5);
  color: #93c5fd;
  padding: 0.3rem 0.8rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.lp-title {
  font-family: var(--font-outfit, sans-serif);
  font-size: 2.3rem;
  font-weight: 800;
  line-height: 1.2;
  margin: 0 0 1rem 0;
}
.lp-subtitle {
  font-size: 1.05rem;
  line-height: 1.55;
  color: #cbd5e1;
  margin: 0 0 2rem 0;
}
.lp-trust-bullet-list {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}
.lp-bullet {
  font-size: 0.92rem;
  color: #e2e8f0;
  line-height: 1.45;
}
.lp-bullet strong {
  color: #ffffff;
}
.lp-minimal-footer {
  padding: 2rem 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  text-align: center;
  font-size: 0.8rem;
  color: #64748b;
}
.lp-minimal-footer a {
  color: #94a3b8;
  text-decoration: underline;
}

/* Responsive Mobile Rules */
@media (max-width: 900px) {
  .product-hero-container,
  .lp-hero-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .product-hero-title,
  .lp-title {
    font-size: 1.9rem;
  }
  .coverage-breakdown-cards,
  .hub-links-grid,
  .province-matrix-grid,
  .trust-grid {
    grid-template-columns: 1fr;
  }
  .form-row-2col {
    grid-template-columns: 1fr;
  }
}


/* ==========================================================================
   PHASE 0: EXIT INTENT MODAL & DUAL CHECKBOX STYLING
   ========================================================================== */

.nav-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #1e293b;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  padding: 8px 14px;
  border-radius: 8px;
  background: #f1f5f9;
  border: 1px solid #e2e8f0;
  transition: all 0.2s ease;
}

.nav-phone-link:hover {
  background: #e2e8f0;
  color: #0f172a;
}

.mobile-phone-banner {
  padding: 12px 20px;
  background: #f8fafc;
  border-bottom: 1px solid #e2e8f0;
}

.mobile-phone-btn {
  display: block;
  text-align: center;
  background: #2563eb;
  color: #ffffff;
  font-weight: 700;
  padding: 10px 16px;
  border-radius: 8px;
  text-decoration: none;
}

.exit-modal-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(15, 23, 42, 0.75);
  backdrop-filter: blur(4px);
  z-index: 99999;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.exit-modal-overlay.active {
  display: flex;
}

.exit-modal-card {
  background: #ffffff;
  color: #0f172a;
  border-radius: 16px;
  max-width: 540px;
  width: 100%;
  padding: 32px;
  position: relative;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
  animation: modalPopIn 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes modalPopIn {
  from {
    opacity: 0;
    transform: scale(0.95) translateY(10px);
  }
  to {
    opacity: 1;
    transform: scale(1) translateY(0);
  }
}

.exit-modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: #f1f5f9;
  border: none;
  font-size: 24px;
  line-height: 1;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  cursor: pointer;
  color: #64748b;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s;
}

.exit-modal-close:hover {
  background: #e2e8f0;
  color: #0f172a;
}

.exit-modal-badge {
  display: inline-block;
  background: #eff6ff;
  color: #2563eb;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 8px;
}

.exit-modal-heading {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: #0f172a;
}

.exit-modal-sub {
  font-size: 0.9rem;
  color: #64748b;
  line-height: 1.5;
  margin-bottom: 20px;
}

.exit-form-body {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.exit-success-notice {
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  color: #166534;
  padding: 12px 16px;
  border-radius: 8px;
  font-size: 0.9rem;
  margin-top: 10px;
}


/* ==========================================================================
   PREMIUM CORPORATE STYLING & OPAQUE BRAND GRAPHIC BACKDROPS
   Inspired by Rates.ca, customized for InsurancePriceHub.com
   Deep Space Navy & Cyber Gold Color Scheme with Layered Translucent Graphics
   ========================================================================== */

/* 1. Global Page Background & Opaque Graphic Watermarks */
body {
  background-color: #081329;
  background-image: 
    radial-gradient(circle at 15% 20%, rgba(37, 99, 235, 0.08) 0%, transparent 45%),
    radial-gradient(circle at 85% 80%, rgba(245, 166, 35, 0.05) 0%, transparent 50%),
    linear-gradient(180deg, #081329 0%, #0a1835 50%, #081329 100%);
  background-attachment: fixed;
  color: #f1f5f9;
  position: relative;
  min-height: 100vh;
}

/* Subtle opaque brand watermark in page backdrop */
body::before {
  content: '';
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-image: url('/banner.png');
  background-repeat: no-repeat;
  background-position: center top;
  background-size: cover;
  opacity: 0.035; /* Crisp, ultra-subtle elegant watermark */
  pointer-events: none;
  z-index: 0;
}

/* Ensure all page sections sit cleanly above the watermark */
.statutory-top-banner,
.navbar,
.home-hero-section,
.product-hero-section,
.info-hero-section,
.how-it-works-home,
.scope-compliance-section,
.editorial-content-section,
.faq-section,
.trust-compliance-bar,
.app-footer {
  position: relative;
  z-index: 1;
}

/* 2. Top Statutory Notice Banner */
.statutory-top-banner {
  background: linear-gradient(90deg, #060f22 0%, #0d2347 50%, #060f22 100%);
  border-bottom: 1px solid rgba(245, 166, 35, 0.25);
  color: #cbd5e1;
  padding: 0.6rem 1.5rem;
  font-size: 0.82rem;
}
.banner-inner-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.banner-tag {
  background: rgba(245, 166, 35, 0.15);
  color: #F5A623;
  border: 1px solid rgba(245, 166, 35, 0.35);
  padding: 0.2rem 0.6rem;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  white-space: nowrap;
}
.banner-message-text {
  margin: 0;
  line-height: 1.4;
  color: #cbd5e1;
}
.banner-detail-link {
  color: #F5A623;
  text-decoration: none;
  font-weight: 600;
  white-space: nowrap;
  transition: color 0.2s;
}
.banner-detail-link:hover {
  color: #ffffff;
  text-decoration: underline;
}

/* 3. Corporate Header & Glassmorphic Navigation */
.navbar {
  background: rgba(8, 19, 41, 0.88) !important;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08) !important;
  box-shadow: 0 4px 25px rgba(0, 0, 0, 0.35) !important;
}
.logo-text {
  color: #ffffff !important;
}
.nav-link-item {
  color: #cbd5e1 !important;
  font-weight: 600;
}
.nav-link-item:hover,
.nav-link-item.active {
  color: #F5A623 !important;
}
.nav-phone-link {
  color: #F5A623 !important;
  font-weight: 700;
  text-decoration: none;
  font-size: 0.92rem;
}
.btn-broker-nav {
  background: rgba(245, 166, 35, 0.12);
  color: #F5A623 !important;
  border: 1px solid rgba(245, 166, 35, 0.35);
  padding: 0.45rem 1rem;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.85rem;
  text-decoration: none;
  transition: all 0.2s;
}
.btn-broker-nav:hover {
  background: #F5A623;
  color: #081329 !important;
}

/* 4. Hero Section with Thematic Translucent Watermarks */
.home-hero-section {
  background: linear-gradient(180deg, rgba(8, 19, 41, 0.92) 0%, rgba(13, 35, 71, 0.85) 100%);
  padding: 4.5rem 1.5rem 5rem 1.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.home-hero-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: url('/banner.png');
  background-position: center 30%;
  background-size: cover;
  opacity: 0.08; /* Rates.ca style translucent branding graphic */
  pointer-events: none;
}

.home-hero-container {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.trust-pill-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(245, 166, 35, 0.12);
  border: 1px solid rgba(245, 166, 35, 0.35);
  color: #F5A623;
  padding: 0.4rem 1rem;
  border-radius: 9999px;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.home-hero-title {
  font-family: var(--font-outfit, 'Outfit', sans-serif);
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.15;
  color: #ffffff;
  max-width: 900px;
  margin: 0 auto 1.25rem auto;
  letter-spacing: -0.025em;
}

.home-hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: #a8bcd8;
  max-width: 780px;
  margin: 0 auto 2.5rem auto;
  line-height: 1.6;
}

/* 5. Product Thematic Heroes with Distinct Opaque Graphic Backgrounds */
.product-hero-section {
  position: relative;
  overflow: hidden;
  background-color: #081329;
}

.product-hero-section::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 55%;
  background-repeat: no-repeat;
  background-position: right center;
  background-size: cover;
  opacity: 0.07; /* Sleek opaque graphic in the background */
  pointer-events: none;
  mask-image: linear-gradient(to left, rgba(0,0,0,1) 0%, rgba(0,0,0,0) 100%);
  -webkit-mask-image: linear-gradient(to left, rgba(0,0,0,1) 0%, rgba(0,0,0,0) 100%);
}

.product-hero-section.auto-theme::before {
  background-image: url('/personal_auto.png');
}

.product-hero-section.home-theme::before {
  background-image: url('/personal_home.png');
}

.product-hero-section.trucking-theme::before {
  background-image: url('/trucking_hero.png');
}

.product-hero-section.business-theme::before {
  background-image: url('/business_insurance.png');
}

.product-hero-section.commauto-theme::before {
  background-image: url('/commercial_auto.png');
}

/* Info Hero (Legal, Coverage, About, Contact) with Opaque Watermark */
.info-hero-section {
  background: linear-gradient(135deg, #081329 0%, #0d2347 100%);
  padding: 4rem 1.5rem 3.5rem 1.5rem;
  color: #ffffff;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.info-hero-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: url('/banner.png');
  background-position: center center;
  background-size: cover;
  opacity: 0.06;
  pointer-events: none;
}
.info-hero-container {
  max-width: 900px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
  text-align: center;
}
.info-hero-title {
  font-family: var(--font-outfit, sans-serif);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: #ffffff;
  margin: 0.8rem 0 1rem 0;
  letter-spacing: -0.02em;
}
.info-hero-desc {
  font-size: 1.1rem;
  color: #cbd5e1;
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.6;
}

/* 6. Professional Cards & Corporate Glassmorphism */
.category-premium-card {
  background: rgba(13, 31, 64, 0.75) !important;
  border: 1px solid rgba(255, 255, 255, 0.1) !important;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.25) !important;
}
.category-premium-card .card-title {
  color: #ffffff !important;
}
.category-premium-card .card-desc {
  color: #a8bcd8 !important;
}
.category-premium-card .card-brackets {
  background: rgba(245, 166, 35, 0.12) !important;
  color: #F5A623 !important;
  border: 1px solid rgba(245, 166, 35, 0.25);
}

/* 7. Editorial & Legal Pages Corporate Formatting */
.editorial-content-section {
  background: transparent !important;
  padding: 4rem 1.5rem;
}
.editorial-main-flow {
  background: rgba(11, 26, 54, 0.85);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 20px;
  padding: 3rem 2.5rem;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.3);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  color: #e2e8f0;
}
@media (max-width: 767px) {
  .editorial-main-flow {
    padding: 2rem 1.25rem;
  }
}
.editorial-main-flow h2 {
  color: #ffffff !important;
  border-bottom: 2px solid rgba(245, 166, 35, 0.3);
  padding-bottom: 0.5rem;
  margin-top: 2.2rem;
}
.editorial-main-flow h2:first-of-type {
  margin-top: 0;
}
.editorial-main-flow h3 {
  color: #60a5fa !important;
}
.editorial-main-flow p,
.editorial-main-flow li {
  color: #cbd5e1 !important;
  font-size: 1.02rem;
  line-height: 1.75;
}
.editorial-main-flow strong {
  color: #ffffff;
}
.editorial-main-flow a {
  color: #F5A623;
  text-decoration: underline;
  transition: color 0.2s;
}
.editorial-main-flow a:hover {
  color: #ffffff;
}

/* Legal Callout & Disclosure Boxes */
.legal-callout-box {
  background: rgba(37, 99, 235, 0.08);
  border: 1px solid rgba(37, 99, 235, 0.25);
  border-left: 4px solid #2563eb;
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}
.legal-callout-box.gold {
  background: rgba(245, 166, 35, 0.08);
  border-color: rgba(245, 166, 35, 0.25);
  border-left-color: #F5A623;
}
.legal-callout-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 0.5rem;
}

/* 8. Professional Form Card Styling */
.embedded-form-card {
  background: rgba(11, 26, 54, 0.95) !important;
  border: 1px solid rgba(255, 255, 255, 0.12) !important;
  color: #ffffff !important;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.5) !important;
}
.embedded-form-card .form-card-title {
  color: #ffffff !important;
}
.embedded-form-card .form-card-subtitle {
  color: #94a3b8 !important;
}
.embedded-form-card .input-label {
  color: #e2e8f0 !important;
}
.embedded-form-card .form-text-input,
.embedded-form-card .form-select-input {
  background-color: #081329 !important;
  border-color: rgba(255, 255, 255, 0.15) !important;
  color: #ffffff !important;
}
.embedded-form-card .form-text-input:focus,
.embedded-form-card .form-select-input:focus {
  border-color: #F5A623 !important;
  box-shadow: 0 0 0 3px rgba(245, 166, 35, 0.2) !important;
  background-color: #0b1a36 !important;
}
.embedded-form-card .checkbox-text-caption {
  color: #94a3b8 !important;
}
.embedded-form-card .checkbox-text-caption a {
  color: #F5A623 !important;
}
.btn-primary-form {
  background: linear-gradient(135deg, #F5A623 0%, #d98207 100%) !important;
  color: #081329 !important;
  font-weight: 800 !important;
  box-shadow: 0 6px 20px rgba(245, 166, 35, 0.3) !important;
  transition: all 0.25s ease !important;
}
.btn-primary-form:hover {
  background: linear-gradient(135deg, #ffb845 0%, #F5A623 100%) !important;
  transform: translateY(-2px) !important;
  box-shadow: 0 8px 25px rgba(245, 166, 35, 0.45) !important;
}

/* 9. Coverage Breakdown & Feature Cards */
.breakdown-card {
  background: rgba(13, 31, 64, 0.75) !important;
  border: 1px solid rgba(255, 255, 255, 0.08) !important;
  border-left: 4px solid #F5A623 !important;
}
.breakdown-card h4 {
  color: #ffffff !important;
}
.breakdown-card p {
  color: #a8bcd8 !important;
}

/* 10. FAQ Section Dark Theming */
.faq-section {
  background: transparent !important;
}
.faq-question-btn {
  background: rgba(13, 31, 64, 0.8) !important;
  color: #ffffff !important;
  border: 1px solid rgba(255, 255, 255, 0.08) !important;
}
.faq-answer-panel {
  background: rgba(8, 19, 41, 0.9) !important;
  color: #cbd5e1 !important;
  border: 1px solid rgba(255, 255, 255, 0.05) !important;
}
.faq-answer-panel p {
  color: #cbd5e1 !important;
}

/* 11. Process Steps Section */
.how-it-works-home {
  background: rgba(8, 19, 41, 0.6);
  padding: 4.5rem 1.5rem;
}
.step-card {
  background: rgba(13, 31, 64, 0.75);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 2rem 1.5rem;
  backdrop-filter: blur(10px);
}
.step-number {
  background: linear-gradient(135deg, #F5A623, #d98207);
  color: #081329;
  font-weight: 800;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 1.25rem;
}
.step-heading {
  color: #ffffff;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
}
.step-text {
  color: #a8bcd8;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* 12. Scope Compliance Section */
.scope-compliance-section {
  padding: 4rem 1.5rem;
  background: rgba(6, 15, 34, 0.85);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.scope-card-wrapper {
  background: rgba(13, 31, 64, 0.7);
  border: 1px solid rgba(245, 166, 35, 0.2);
  border-radius: 20px;
  padding: 3rem;
  backdrop-filter: blur(12px);
}
.scope-list li {
  color: #cbd5e1;
  margin-bottom: 0.75rem;
}
.scope-list strong {
  color: #F5A623;
}

/* 13. High-Standard Rates.ca Style Corporate Disclosures & Footer */
.app-footer {
  background: #050c1b !important;
  border-top: 1px solid rgba(255, 255, 255, 0.1) !important;
  color: #94a3b8 !important;
  padding: 4.5rem 1.5rem 2.5rem 1.5rem;
}
.footer-col-title {
  color: #ffffff !important;
  font-family: var(--font-outfit, sans-serif);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin-bottom: 1.2rem;
}
.footer-col-list a {
  color: #94a3b8 !important;
  transition: color 0.2s;
  text-decoration: none;
}
.footer-col-list a:hover {
  color: #F5A623 !important;
}
.footer-regulatory-box {
  background: rgba(11, 26, 54, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 1.8rem 2rem;
  margin-top: 3rem;
}
.footer-disclaimer-text {
  font-size: 0.82rem !important;
  line-height: 1.7 !important;
  color: #94a3b8 !important;
  margin: 0 0 1rem 0 !important;
}
.footer-disclaimer-text strong {
  color: #cbd5e1 !important;
}
.footer-copyright {
  font-size: 0.8rem !important;
  color: #64748b !important;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding-top: 1rem;
  margin: 0 !important;
}