/* =========================================================
   All Medicarians — allmedicarians.com
   Core stylesheet
   ========================================================= */

/* ---------- Tokens ---------- */
:root{
  --blue-900:#062A4A;
  --blue-800:#0A4A7C;
  --blue-700:#0B6FB8;
  --blue-600:#1281C9;
  --blue-500:#1E96DC;
  --cyan-500:#22B5E8;
  --cyan-400:#38C6F4;
  --cyan-300:#7BDBFB;
  --cyan-100:#DDF4FE;

  --ink:#0E2439;
  --ink-2:#3C5872;
  --ink-3:#6B819A;
  --line:#E1EAF2;
  --line-2:#EDF3F9;
  --bg:#FFFFFF;
  --bg-soft:#F5F9FD;
  --bg-soft-2:#EEF6FC;

  --green:#12A970;
  --amber:#F2A81D;
  --red:#E0483C;

  --grad-brand:linear-gradient(120deg,#0B6FB8 0%,#1E96DC 45%,#22B5E8 100%);
  --grad-brand-2:linear-gradient(135deg,#062A4A 0%,#0B6FB8 55%,#22B5E8 120%);
  --grad-cyan:linear-gradient(120deg,#22B5E8,#38C6F4);

  --shadow-sm:0 1px 2px rgba(10,42,74,.06),0 2px 6px rgba(10,42,74,.05);
  --shadow-md:0 4px 12px rgba(10,42,74,.07),0 12px 28px rgba(10,42,74,.07);
  --shadow-lg:0 10px 24px rgba(10,42,74,.09),0 30px 60px rgba(10,42,74,.12);
  --shadow-brand:0 12px 30px rgba(18,129,201,.28);

  --r-sm:8px; --r-md:14px; --r-lg:20px; --r-xl:28px; --r-pill:999px;
  --wrap:1200px;
  --head-h:84px;

  --ease:cubic-bezier(.22,1,.36,1);
  --ease-io:cubic-bezier(.65,0,.35,1);

  --font:"Plus Jakarta Sans","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  font-size:16px;
  line-height:1.65;
  color:var(--ink);
  background:var(--bg);
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img,svg{max-width:100%;display:block}
a{color:var(--blue-700);text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer;border:0;background:none}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.18;font-weight:800;letter-spacing:-.02em;color:var(--blue-900)}
p{margin:0 0 1em}
ul{margin:0 0 1em;padding-left:1.15em}
:focus-visible{outline:3px solid var(--cyan-400);outline-offset:2px;border-radius:6px}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:24px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- Skip link ---------- */
.skip{position:absolute;left:-9999px;top:8px;z-index:999;background:#fff;padding:10px 16px;border-radius:8px;box-shadow:var(--shadow-md)}
.skip:focus{left:16px}

/* =========================================================
   HEADER
   ========================================================= */
.topbar{
  background:var(--grad-brand-2);
  color:#DFF2FD;
  font-size:13px;
  letter-spacing:.02em;
  position:relative;
  overflow:hidden;
}
.topbar::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,transparent 20%,rgba(255,255,255,.16) 45%,transparent 70%);
  transform:translateX(-100%);
  animation:sheen 7s var(--ease-io) infinite;
}
@keyframes sheen{0%,65%{transform:translateX(-100%)}100%{transform:translateX(100%)}}
.topbar .wrap{display:flex;align-items:center;justify-content:center;gap:26px;flex-wrap:wrap;padding-block:6px;position:relative;z-index:1}
.topbar span{display:inline-flex;align-items:center;gap:7px}
.topbar svg{width:14px;height:14px;flex:none;opacity:.85}

.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.86);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line-2);
  transition:box-shadow .35s var(--ease),background .35s var(--ease);
}
.site-header.is-stuck{box-shadow:0 6px 26px rgba(10,42,74,.10);background:rgba(255,255,255,.95)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:var(--head-h);padding-block:10px}

.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand img{width:auto;height:70px;transition:transform .5s var(--ease)}
.brand:hover img{transform:scale(1.04) rotate(-1deg)}
.brand-tag{display:none;font-size:12px;color:var(--ink-3);font-weight:600;letter-spacing:.01em;line-height:1.3;max-width:150px;border-left:1px solid var(--line);padding-left:12px}

.header-cta{display:flex;align-items:center;gap:16px;text-align:right}
.header-cta .agent-icon{
  width:52px;height:52px;flex:none;border-radius:50%;
  background:var(--grad-brand);color:#fff;
  display:grid;place-items:center;
  box-shadow:var(--shadow-brand);
  position:relative;
}
.header-cta .agent-icon svg{width:24px;height:24px}
.header-cta .agent-icon::before{
  content:"";position:absolute;inset:0;border-radius:50%;
  border:2px solid var(--cyan-400);
  animation:ripple 2.6s var(--ease-io) infinite;
}
@keyframes ripple{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.55);opacity:0}}

.cta-label{display:block;font-size:12.5px;font-weight:700;color:var(--ink-2);letter-spacing:.02em;text-transform:uppercase}
.cta-phone{
  display:inline-flex;align-items:baseline;gap:8px;
  font-size:25px;font-weight:800;letter-spacing:-.02em;color:var(--blue-800);
  line-height:1.15;transition:color .25s var(--ease);
}
.cta-phone:hover{color:var(--cyan-500)}
.cta-phone .tty{font-size:13px;font-weight:700;color:var(--ink-3);letter-spacing:0}
.cta-hours{display:block;font-size:12.5px;color:var(--ink-3);font-weight:600}
.cta-addr{display:block;font-size:12px;color:var(--ink-3);font-weight:600;margin-top:1px}

/* mobile sticky call bar */
.callbar{
  display:none;position:fixed;left:0;right:0;bottom:0;z-index:120;
  background:var(--grad-brand);color:#fff;
  padding:11px 16px calc(11px + env(safe-area-inset-bottom));
  box-shadow:0 -6px 24px rgba(10,42,74,.22);
}
.callbar a{display:flex;align-items:center;justify-content:center;gap:10px;color:#fff;font-weight:800;font-size:17px;letter-spacing:.01em}
.callbar svg{width:19px;height:19px;animation:shake 3s var(--ease-io) infinite}
@keyframes shake{0%,88%,100%{transform:rotate(0)}90%{transform:rotate(-14deg)}94%{transform:rotate(12deg)}97%{transform:rotate(-6deg)}}

/* =========================================================
   HERO
   ========================================================= */
.hero{position:relative;isolation:isolate;padding:30px 0 64px;overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:0;z-index:-3;
  background:
    radial-gradient(1000px 620px at 8% -8%,#E6F5FE 0%,transparent 62%),
    radial-gradient(880px 560px at 98% 4%,#EAF3FC 0%,transparent 60%),
    linear-gradient(180deg,#FBFDFF 0%,#F2F9FE 100%);
}
.hero-grid-bg{
  position:absolute;inset:0;z-index:-2;opacity:.5;
  background-image:linear-gradient(var(--line-2) 1px,transparent 1px),linear-gradient(90deg,var(--line-2) 1px,transparent 1px);
  background-size:56px 56px;
  mask-image:radial-gradient(circle at 50% 30%,#000 5%,transparent 72%);
  -webkit-mask-image:radial-gradient(circle at 50% 30%,#000 5%,transparent 72%);
}
.blob{position:absolute;z-index:-1;border-radius:50%;filter:blur(60px);opacity:.42;will-change:transform}
.blob-1{width:460px;height:460px;background:radial-gradient(circle,#7BDBFB,transparent 68%);top:-140px;left:-120px;animation:float1 17s var(--ease-io) infinite}
.blob-2{width:520px;height:520px;background:radial-gradient(circle,#B9DEFA,transparent 68%);bottom:-200px;right:-140px;animation:float2 21s var(--ease-io) infinite}
.blob-3{width:300px;height:300px;background:radial-gradient(circle,#CDE9FF,transparent 66%);top:38%;left:44%;animation:float1 25s var(--ease-io) infinite reverse}
@keyframes float1{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(70px,52px) scale(1.14)}}
@keyframes float2{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-64px,-46px) scale(1.1)}}

.hero-inner{display:grid;grid-template-columns:1fr 512px;gap:52px;align-items:start}

.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  background:#fff;border:1px solid var(--line);
  color:var(--blue-700);font-size:13px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;
  padding:7px 15px;border-radius:var(--r-pill);box-shadow:var(--shadow-sm);margin-bottom:16px;
}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 0 rgba(18,169,112,.6);animation:pulse 2.2s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 9px rgba(18,169,112,0)}100%{box-shadow:0 0 0 0 rgba(18,169,112,0)}}

.hero h1{font-size:clamp(2.05rem,4.1vw,3.25rem);margin-bottom:.36em}
.hero h1 .grad{
  background:var(--grad-brand);-webkit-background-clip:text;background-clip:text;color:transparent;
  background-size:220% auto;animation:shift 6s ease-in-out infinite;
}
@keyframes shift{0%,100%{background-position:0% 50%}50%{background-position:100% 50%}}
.hero .lede{font-size:1.08rem;color:var(--ink-2);max-width:56ch;margin-bottom:22px}

.hero-points{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:10px}
.hero-points li{display:flex;align-items:flex-start;gap:12px;font-weight:600;color:var(--ink);font-size:1.02rem}
.hero-points .tick{
  width:26px;height:26px;flex:none;border-radius:50%;margin-top:1px;
  background:linear-gradient(135deg,#E4F7EF,#CFF1E3);color:var(--green);
  display:grid;place-items:center;
}
.hero-points .tick svg{width:14px;height:14px}

.trust-row{display:flex;align-items:center;gap:26px;flex-wrap:wrap;padding-top:18px;border-top:1px solid var(--line)}
.trust-item{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:700;color:var(--ink-2)}
.trust-item svg{width:20px;height:20px;color:var(--blue-600);flex:none}

/* =========================================================
   MULTI-STEP FORM
   ========================================================= */
.form-card{
  position:relative;background:#fff;border-radius:var(--r-xl);
  box-shadow:var(--shadow-lg);border:1px solid var(--line-2);
  overflow:hidden;
}
.form-card::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--grad-brand);z-index:2}
.form-card::after{
  content:"";position:absolute;inset:-2px;border-radius:calc(var(--r-xl) + 2px);z-index:-1;
  background:var(--grad-brand);opacity:.16;filter:blur(16px);
}

.form-head{padding:20px 28px 16px;text-align:center;border-bottom:1px solid var(--line-2);background:linear-gradient(180deg,#F9FCFF,#fff)}
.form-head h2{font-size:1.32rem;margin-bottom:6px;letter-spacing:-.025em}
.form-head h2 .ez{white-space:nowrap}
.form-head h2 .n{
  display:inline-block;color:var(--cyan-500);font-weight:900;
  animation:bounceN 2.6s var(--ease-io) infinite;
}
.form-head h2 .n:nth-of-type(2){animation-delay:.16s}
.form-head h2 .n:nth-of-type(3){animation-delay:.32s}
@keyframes bounceN{0%,70%,100%{transform:scale(1);color:var(--cyan-500)}82%{transform:scale(1.3);color:var(--blue-600)}}
.form-head p{font-size:13.5px;color:var(--ink-3);margin:0}

.progress-wrap{padding:14px 28px 0}
.progress-meta{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:700;color:var(--ink-3);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.progress-meta .pct{color:var(--blue-700)}
.progress{height:7px;border-radius:99px;background:var(--line-2);overflow:hidden}
.progress-bar{height:100%;width:0;border-radius:99px;background:var(--grad-brand);background-size:200% auto;animation:shift 3s linear infinite;transition:width .55s var(--ease)}

.form-body{padding:20px 28px 24px;position:relative;min-height:296px}
.step{display:none;animation:stepIn .5s var(--ease) both}
.step.is-active{display:block}
@keyframes stepIn{from{opacity:0;transform:translateX(26px)}to{opacity:1;transform:translateX(0)}}
.step.back-anim{animation-name:stepInBack}
@keyframes stepInBack{from{opacity:0;transform:translateX(-26px)}to{opacity:1;transform:translateX(0)}}

.step-tag{
  display:inline-block;background:var(--cyan-100);color:var(--blue-700);
  font-size:12px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;
  padding:5px 13px;border-radius:var(--r-pill);margin-bottom:12px;
}
.step h3{font-size:1.16rem;margin-bottom:6px}
.step .q{font-size:1rem;color:var(--ink-2);margin-bottom:18px;font-weight:600}

.zip-intro{text-align:center;padding-top:2px}
.zip-intro .zip-icon{
  width:64px;height:64px;margin:0 auto 12px;border-radius:50%;
  background:linear-gradient(135deg,var(--cyan-100),#fff);
  display:grid;place-items:center;color:var(--blue-600);
  box-shadow:inset 0 0 0 1px var(--line),0 10px 22px rgba(18,129,201,.14);
  animation:bobble 3.4s var(--ease-io) infinite;
}
@keyframes bobble{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
.zip-intro .zip-icon svg{width:30px;height:30px}
.zip-intro h3{font-size:1.32rem;margin-bottom:6px}
.zip-intro p{color:var(--ink-3);font-size:14px;margin-bottom:16px}

.field{margin-bottom:14px;text-align:left}
.field label{display:block;font-size:13px;font-weight:800;color:var(--ink-2);margin-bottom:7px;letter-spacing:.01em}
.field input,.field select{
  width:100%;padding:15px 16px;border:2px solid var(--line);border-radius:var(--r-md);
  background:#FBFDFF;font-size:16px;font-weight:600;color:var(--ink);
  transition:border-color .25s var(--ease),box-shadow .25s var(--ease),background .25s var(--ease);
}
.field input::placeholder{color:#A9BACD;font-weight:500}
.field input:focus,.field select:focus{outline:none;border-color:var(--cyan-500);background:#fff;box-shadow:0 0 0 4px rgba(34,181,232,.15)}
.field input.zip-input{text-align:center;font-size:25px;font-weight:800;letter-spacing:.42em;padding:15px 12px;text-indent:.42em}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field .err{display:none;color:var(--red);font-size:12.5px;font-weight:700;margin-top:6px}
.field.has-error input,.field.has-error select{border-color:var(--red);background:#FFF7F6}
.field.has-error .err{display:block;animation:shakeX .4s var(--ease)}
.err[data-err-for]{display:none;color:var(--red);font-size:13px;font-weight:700;margin-top:12px;animation:shakeX .4s var(--ease)}
@keyframes shakeX{0%,100%{transform:translateX(0)}25%{transform:translateX(-5px)}75%{transform:translateX(5px)}}

/* option buttons */
.options{display:grid;gap:11px}
.options.cols-2{grid-template-columns:1fr 1fr}
.opt{
  position:relative;display:flex;align-items:center;gap:13px;width:100%;text-align:left;
  padding:15px 17px;border:2px solid var(--line);border-radius:var(--r-md);
  background:#fff;font-size:15.5px;font-weight:700;color:var(--ink);
  transition:transform .22s var(--ease),border-color .22s var(--ease),box-shadow .22s var(--ease),background .22s var(--ease);
  overflow:hidden;
}
.opt .mark{
  width:24px;height:24px;flex:none;border-radius:50%;border:2px solid var(--line);
  display:grid;place-items:center;transition:all .22s var(--ease);
}
.opt .mark svg{width:13px;height:13px;color:#fff;opacity:0;transform:scale(.5);transition:all .22s var(--ease)}
.opt:hover{border-color:var(--cyan-400);transform:translateY(-2px);box-shadow:0 8px 20px rgba(18,129,201,.13);background:#FBFEFF}
.opt.is-selected{border-color:var(--blue-600);background:linear-gradient(120deg,#F2FAFF,#EAF6FE);box-shadow:0 8px 20px rgba(18,129,201,.16)}
.opt.is-selected .mark{background:var(--grad-brand);border-color:transparent}
.opt.is-selected .mark svg{opacity:1;transform:scale(1)}
.opt::after{
  content:"";position:absolute;top:50%;left:50%;width:0;height:0;border-radius:50%;
  background:rgba(34,181,232,.22);transform:translate(-50%,-50%);pointer-events:none;
}
.opt.rippling::after{animation:rip .55s var(--ease-io)}
@keyframes rip{to{width:340px;height:340px;opacity:0}}

/* buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 30px;border-radius:var(--r-pill);font-size:16px;font-weight:800;letter-spacing:.01em;
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),filter .22s var(--ease);
  position:relative;overflow:hidden;
}
.btn svg{width:18px;height:18px}
.btn-primary{background:var(--grad-brand);color:#fff;box-shadow:var(--shadow-brand)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(18,129,201,.36);filter:saturate(1.12)}
.btn-primary:active{transform:translateY(0)}
.btn-primary::before{
  content:"";position:absolute;top:0;left:-100%;width:60%;height:100%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.42),transparent);
  transform:skewX(-20deg);
}
.btn-primary:hover::before{animation:swipe .8s var(--ease-io)}
@keyframes swipe{to{left:140%}}
.btn-block{width:100%}
.btn-ghost{background:#fff;color:var(--blue-700);border:2px solid var(--line);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{border-color:var(--cyan-400);transform:translateY(-2px)}
.btn-lg{padding:16px 34px;font-size:16.5px}
.btn[disabled]{opacity:.55;pointer-events:none}

.step-nav{display:flex;align-items:center;gap:12px;margin-top:20px}
.btn-back{
  display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:700;color:var(--ink-3);
  padding:10px 4px;transition:color .2s var(--ease),gap .2s var(--ease);
}
.btn-back:hover{color:var(--blue-700);gap:10px}
.btn-back svg{width:15px;height:15px}

.form-foot{display:flex;align-items:center;justify-content:center;gap:8px;font-size:12px;color:var(--ink-3);font-weight:600;padding:12px 24px;background:var(--bg-soft);border-top:1px solid var(--line-2)}
.form-foot svg{width:14px;height:14px;color:var(--green)}

.consent{font-size:11.5px;line-height:1.55;color:var(--ink-3);background:var(--bg-soft);border:1px solid var(--line-2);border-radius:var(--r-md);padding:13px 15px;max-height:150px;overflow-y:auto;margin-bottom:16px}
.consent a{color:var(--blue-700);text-decoration:underline}
.checkbox{display:flex;gap:11px;align-items:flex-start;font-size:12.5px;color:var(--ink-2);font-weight:600;margin-bottom:16px;cursor:pointer}
.checkbox input{width:19px;height:19px;flex:none;margin-top:2px;accent-color:var(--blue-600)}

/* success */
.success{text-align:center;padding:14px 0}
.success .check-wrap{width:92px;height:92px;margin:0 auto 20px;border-radius:50%;background:linear-gradient(135deg,#E4F7EF,#D0F2E2);display:grid;place-items:center;animation:pop .6s var(--ease) both}
@keyframes pop{0%{transform:scale(.3);opacity:0}60%{transform:scale(1.1)}100%{transform:scale(1);opacity:1}}
.success svg.tickbig{width:46px;height:46px;color:var(--green)}
.success svg.tickbig path{stroke-dasharray:48;stroke-dashoffset:48;animation:draw .6s .3s var(--ease) forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.success h3{font-size:1.5rem}
.success p{color:var(--ink-2);font-size:15px}
.success .callnow{margin-top:6px}

/* spinner */
.spinner{width:18px;height:18px;border:2.5px solid rgba(255,255,255,.35);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;display:none}
@keyframes spin{to{transform:rotate(360deg)}}
.btn.is-loading .spinner{display:block}
.btn.is-loading .btn-text{opacity:.7}

/* =========================================================
   SECTIONS
   ========================================================= */
.section{padding:92px 0;position:relative}
.section-soft{background:var(--bg-soft)}
.section-dark{background:var(--grad-brand-2);color:#D8ECF9}
.section-dark h2,.section-dark h3{color:#fff}

.sec-head{text-align:center;max-width:760px;margin:0 auto 54px}
.sec-tag{
  display:inline-block;background:var(--cyan-100);color:var(--blue-700);
  font-size:12.5px;font-weight:800;letter-spacing:.11em;text-transform:uppercase;
  padding:7px 16px;border-radius:var(--r-pill);margin-bottom:14px;
}
.section-dark .sec-tag{background:rgba(255,255,255,.13);color:var(--cyan-300)}
.sec-head h2{font-size:clamp(1.75rem,3.1vw,2.55rem)}
.sec-head p{color:var(--ink-2);font-size:1.06rem;margin:0}
.section-dark .sec-head p{color:#B9D8EE}

/* steps 1-2-3 */
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative}
.steps3::before{
  content:"";position:absolute;top:52px;left:14%;right:14%;height:2px;
  background:repeating-linear-gradient(90deg,var(--cyan-300) 0 10px,transparent 10px 20px);
  z-index:0;
}
.step3{position:relative;z-index:1;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px 26px;text-align:center;box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s var(--ease)}
.step3:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:var(--cyan-300)}
.step3 .num{
  width:72px;height:72px;margin:0 auto 18px;border-radius:24px;
  background:var(--grad-brand);color:#fff;display:grid;place-items:center;
  font-size:1.8rem;font-weight:900;box-shadow:var(--shadow-brand);
  transition:transform .4s var(--ease);
}
.step3:hover .num{transform:rotate(-8deg) scale(1.06)}
.step3 h3{font-size:1.2rem;margin-bottom:8px}
.step3 p{color:var(--ink-2);font-size:15px;margin:0}

/* plan cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:32px 28px;
  box-shadow:var(--shadow-sm);position:relative;overflow:hidden;
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s var(--ease);
}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--grad-brand);transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease)}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:var(--cyan-300)}
.card:hover::before{transform:scaleX(1)}
.card .ico{
  width:60px;height:60px;border-radius:18px;margin-bottom:18px;
  background:linear-gradient(135deg,var(--cyan-100),#F3FAFF);color:var(--blue-600);
  display:grid;place-items:center;transition:transform .4s var(--ease)
}
.card:hover .ico{transform:translateY(-3px) rotate(-6deg)}
.card .ico svg{width:28px;height:28px}
.card h3{font-size:1.18rem;margin-bottom:9px}
.card p{color:var(--ink-2);font-size:15px;margin-bottom:14px}
.card ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.card li{display:flex;gap:9px;align-items:flex-start;font-size:14.5px;color:var(--ink-2);font-weight:600}
.card li svg{width:16px;height:16px;color:var(--green);flex:none;margin-top:3px}

/* benefits */
.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.benefit{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:24px 20px;text-align:center;
  transition:transform .32s var(--ease),box-shadow .32s var(--ease);
}
.benefit:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.benefit .ico{width:52px;height:52px;margin:0 auto 13px;border-radius:16px;background:var(--grad-cyan);color:#fff;display:grid;place-items:center;box-shadow:0 8px 18px rgba(34,181,232,.28)}
.benefit .ico svg{width:24px;height:24px}
.benefit h4{font-size:1rem;margin-bottom:5px;color:var(--blue-900)}
.benefit p{font-size:13.5px;color:var(--ink-3);margin:0}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;text-align:center}
.stat .val{font-size:clamp(2.1rem,4vw,3rem);font-weight:900;letter-spacing:-.035em;background:linear-gradient(120deg,#fff,var(--cyan-300));-webkit-background-clip:text;background-clip:text;color:transparent;line-height:1.1}
.stat .lbl{font-size:14px;font-weight:700;color:#A9CFE9;letter-spacing:.02em}

/* faq */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;transition:box-shadow .3s var(--ease),border-color .3s var(--ease)}
.faq-item.is-open{box-shadow:var(--shadow-md);border-color:var(--cyan-300)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:19px 24px;text-align:left;font-size:16px;font-weight:800;color:var(--blue-900)}
.faq-q .chev{width:30px;height:30px;flex:none;border-radius:50%;background:var(--bg-soft-2);color:var(--blue-700);display:grid;place-items:center;transition:transform .35s var(--ease),background .35s var(--ease)}
.faq-q .chev svg{width:15px;height:15px}
.faq-item.is-open .chev{transform:rotate(180deg);background:var(--grad-brand);color:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .45s var(--ease)}
.faq-a-inner{padding:0 24px 20px;color:var(--ink-2);font-size:15px}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow-sm);position:relative;transition:transform .32s var(--ease),box-shadow .32s var(--ease)}
.quote:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.quote .stars{display:flex;gap:3px;margin-bottom:13px;color:var(--amber)}
.quote .stars svg{width:17px;height:17px}
.quote p{font-size:15px;color:var(--ink-2);font-style:italic;margin-bottom:16px}
.quote .who{display:flex;align-items:center;gap:12px}
.quote .av{width:42px;height:42px;border-radius:50%;background:var(--grad-brand);color:#fff;display:grid;place-items:center;font-weight:800;font-size:15px;flex:none}
.quote .who b{display:block;font-size:14.5px;color:var(--blue-900)}
.quote .who span{font-size:12.5px;color:var(--ink-3)}

/* carriers marquee */
.marquee{overflow:hidden;position:relative;padding:8px 0;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;gap:16px;width:max-content;animation:scrollx 34s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes scrollx{to{transform:translateX(-50%)}}
.chip{
  display:inline-flex;align-items:center;gap:9px;white-space:nowrap;
  background:#fff;border:1px solid var(--line);border-radius:var(--r-pill);
  padding:11px 22px;font-weight:800;font-size:14.5px;color:var(--blue-800);box-shadow:var(--shadow-sm);
}
.chip .bead{width:9px;height:9px;border-radius:50%;background:var(--grad-cyan);flex:none}

/* CTA band */
.cta-band{position:relative;overflow:hidden;background:var(--grad-brand-2);color:#fff;text-align:center;padding:80px 0}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 50% 0%,rgba(34,181,232,.34),transparent 70%)}
.cta-band .wrap{position:relative;z-index:1}
.cta-band h2{font-size:clamp(1.8rem,3.3vw,2.6rem);color:#fff}
.cta-band p{color:#BFDCF0;font-size:1.08rem;max-width:640px;margin:0 auto 30px}
.cta-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.btn-white{background:#fff;color:var(--blue-800);box-shadow:0 14px 32px rgba(0,0,0,.22)}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 20px 40px rgba(0,0,0,.28)}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}
.btn-outline:hover{background:rgba(255,255,255,.12);border-color:#fff;transform:translateY(-2px)}

/* =========================================================
   FOOTER
   ========================================================= */
.site-footer{background:#EDEDED;color:#5F6B72;padding:52px 0 60px;font-size:13.5px;line-height:1.62}
.footer-top{display:flex;align-items:flex-start;justify-content:space-between;gap:30px;flex-wrap:wrap;margin-bottom:44px}
.footer-brand img{height:74px;width:auto}
.footer-brand .sub{font-size:12.5px;color:#7A858C;margin-top:4px;font-weight:600}
.trustbadge{
  display:inline-flex;flex-direction:column;align-items:center;gap:2px;
  border:1px solid #C9CDD0;background:#fff;border-radius:4px;padding:8px 14px;min-width:150px;
}
.trustbadge .tb-top{display:flex;align-items:center;gap:7px;font-weight:800;color:#2C3438;font-size:14px}
.trustbadge .tb-mark{width:18px;height:18px;border-radius:3px;background:#33A02C;color:#fff;display:grid;place-items:center;flex:none}
.trustbadge .tb-mark svg{width:11px;height:11px}
.trustbadge .tb-sub{font-size:10.5px;letter-spacing:.14em;color:#6C777E;font-weight:700}

.footer-links{display:flex;align-items:center;flex-wrap:wrap;gap:0 14px;margin-bottom:14px}
.footer-links a{color:#4A5560;font-weight:800;font-size:16px;letter-spacing:-.01em;transition:color .2s var(--ease)}
.footer-links a:hover{color:var(--blue-700)}
.footer-links .sep{color:#B4BBC0}
.copyright{color:#6E7981;font-size:13px;margin-bottom:38px}

.legal-block p{margin:0 0 14px;color:#6E7981}
.legal-block a{color:#6E7981;text-decoration:underline}
.legal-block a:hover{color:var(--blue-700)}
.legal-code{color:#6E7981;font-size:13px}

/* =========================================================
   LEGAL PAGES
   ========================================================= */
.page-hero{background:var(--grad-brand-2);color:#fff;padding:66px 0 56px;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(680px 300px at 20% 0%,rgba(34,181,232,.35),transparent 70%)}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem);margin-bottom:8px}
.page-hero p{color:#BFDCF0;margin:0}
.crumbs{font-size:13px;color:#9FC7E4;margin-bottom:14px;font-weight:600}
.crumbs a{color:#CFE8F8}

.legal-page{padding:60px 0 84px}
.legal-page .wrap{max-width:900px}
.legal-page h2{font-size:1.45rem;margin-top:2em;padding-top:.2em}
.legal-page h2:first-child{margin-top:0}
.legal-page h3{font-size:1.12rem;margin-top:1.6em}
.legal-page p,.legal-page li{color:var(--ink-2);font-size:15.5px}
.legal-page li{margin-bottom:8px}
.legal-page .updated{display:inline-block;background:var(--bg-soft-2);border:1px solid var(--line);border-radius:var(--r-pill);padding:7px 16px;font-size:13px;font-weight:700;color:var(--blue-700);margin-bottom:26px}
.legal-page .callout{background:var(--bg-soft);border-left:4px solid var(--cyan-500);border-radius:0 var(--r-md) var(--r-md) 0;padding:18px 22px;margin:22px 0}
.legal-page .callout p:last-child{margin-bottom:0}
.legal-page table{width:100%;border-collapse:collapse;margin:20px 0;font-size:14.5px}
.legal-page th,.legal-page td{border:1px solid var(--line);padding:11px 14px;text-align:left}
.legal-page th{background:var(--bg-soft-2);font-weight:800;color:var(--blue-900)}

.back-home{display:inline-flex;align-items:center;gap:8px;font-weight:800;color:var(--blue-700);margin-top:34px}
.back-home svg{width:16px;height:16px}

/* =========================================================
   REVEAL ANIMATION
   ========================================================= */
[data-reveal]{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
[data-reveal].revealed{opacity:1;transform:none}
[data-reveal][data-dir="left"]{transform:translateX(-34px)}
[data-reveal][data-dir="right"]{transform:translateX(34px)}
[data-reveal][data-dir="zoom"]{transform:scale(.94)}

/* scroll progress */
.scroll-progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--grad-cyan);z-index:200;transition:width .1s linear}

/* back to top */
.to-top{
  position:fixed;right:22px;bottom:24px;z-index:110;width:46px;height:46px;border-radius:50%;
  background:var(--grad-brand);color:#fff;display:grid;place-items:center;box-shadow:var(--shadow-brand);
  opacity:0;pointer-events:none;transform:translateY(14px);transition:all .35s var(--ease);
}
.to-top.show{opacity:1;pointer-events:auto;transform:none}
.to-top:hover{transform:translateY(-3px)}
.to-top svg{width:19px;height:19px}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width:1100px){
  .hero-inner{grid-template-columns:1fr 460px;gap:38px}
  .benefits{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:960px){
  :root{--head-h:78px}
  .hero-inner{grid-template-columns:1fr;gap:32px;align-items:stretch}
  .hero{padding:26px 0 56px}
  .form-card{max-width:560px;margin-inline:auto;width:100%}
  .steps3,.cards,.quotes{grid-template-columns:1fr}
  .steps3::before{display:none}
  .stats{grid-template-columns:repeat(2,1fr);gap:30px}
  .header-cta .agent-icon{display:none}
  .cta-phone{font-size:21px}
  .cta-addr{font-size:11.5px}
  .section{padding:66px 0}
}
@media (max-width:720px){
  .topbar{display:none}
  .brand img{height:52px}
  .header-inner{gap:12px}
  .cta-label{font-size:10.5px;letter-spacing:0}
  .cta-phone{font-size:17px;gap:5px}
  .cta-phone .tty{font-size:11px}
  .cta-hours{font-size:10.5px;line-height:1.35}
  .cta-addr{display:none}
  body{padding-bottom:62px}
  .callbar{display:block}
  .to-top{bottom:76px;right:14px}
  .form-body,.form-head,.progress-wrap{padding-inline:20px}
  .field-row,.options.cols-2{grid-template-columns:1fr}
  .footer-links{gap:0 10px}
  .footer-links a{font-size:14.5px}
  .benefits{grid-template-columns:1fr}
  .hero .lede{font-size:1.02rem}
}
@media (max-width:420px){
  .wrap{padding-inline:16px}
  .cta-hours{display:none}
  .field input.zip-input{font-size:22px;letter-spacing:.3em;text-indent:.3em}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  [data-reveal]{opacity:1;transform:none}
}

@media print{
  .site-header,.topbar,.callbar,.to-top,.scroll-progress,.hero .blob{display:none}
  body{padding-bottom:0}
}