/* ==========================================================================
   UtahMedicarePlanChange.com — Global Stylesheet
   Powered by Plan Right Insurance
   Clean, minimal, airy Medicare site. Logo colors: Orange #EA5314 | Blue #025391 | Green #639833
   ========================================================================== */

/* ---------- CSS Custom Properties (Brand Tokens) ---------- */
:root {
  --orange: #EA5314;
  --orange-dark: #C44210;
  --orange-light: #FFF3EC;
  --blue: #025391;
  --blue-dark: #013D6E;
  --blue-pale: #EBF4FB;
  --green: #639833;
  --green-dark: #4A7225;
  --green-light: #F2F7EA;
  --gold: #E8A020;
  --gold-dark: #C07010;
  --text: #1C2B1A;
  --text-muted: #5A6A52;
  --white: #FFFFFF;
  --off-white: #F0F4F8;
  --border: #D8E4F0;
  --gray-bg: #F0F4F8;

  --shadow-sm: 0 1px 4px rgba(0,0,0,.06);
  --shadow: 0 4px 20px rgba(0,0,0,.09);
  --shadow-lg: 0 14px 40px rgba(0,0,0,.12);
  --radius: 10px;
  --radius-lg: 16px;
  --transition: .2s ease;
  --maxw: 1140px;

  --font-head: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-logo: "Poppins", "Trebuchet MS", "Segoe UI", sans-serif;
}

/* ---------- Reset / Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  font-size: 17px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green); }

h1, h2, h3, h4, h5 { font-family: var(--font-head); color: var(--blue); line-height: 1.2; margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1.1em; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.section { padding: 72px 0; }
.section-alt { background: var(--off-white); }
.text-center { text-align: center; }
.eyebrow {
  display: inline-block; font-family: var(--font-body); font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase; font-size: .82rem;
  color: var(--green); margin-bottom: .6rem;
}
.lead { font-size: 1.2rem; line-height: 1.7; color: var(--text-muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; font-family: var(--font-body); font-weight: 700;
  font-size: 1rem; padding: 14px 28px; border-radius: 8px; border: 2px solid transparent;
  cursor: pointer; text-align: center; transition: all var(--transition); line-height: 1.2;
}
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: var(--green-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-orange, .btn-red { background: var(--orange); color: #fff; }
.btn-orange:hover, .btn-red:hover { background: var(--orange-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-gold { background: var(--gold); color: var(--text); }
.btn-gold:hover { background: var(--gold-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-blue { background: var(--blue); color: #fff; }
.btn-blue:hover { background: var(--blue-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-lg { padding: 16px 36px; font-size: 1.08rem; }
.btn-block { display: block; width: 100%; }

/* ---------- Top Bar ---------- */
.topbar {
  background: #025391; color: #ffffff; font-size: .95rem; font-weight: 500;
  border-bottom: none;
}
.topbar .container { display: flex; align-items: center; justify-content: space-between; padding-top: 9px; padding-bottom: 9px; gap: 12px; flex-wrap: nowrap; white-space: nowrap; }
.topbar a { color: #ffffff; }
.topbar a:hover { color: #E8EDDF; }
.topbar .tb-phone { font-weight: 700; }
.topbar .tb-note { color: #ffffff; }

/* ---------- Header / Nav ---------- */
.site-header { background: #fff; box-shadow: var(--shadow-sm); position: sticky; top: 0; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 10px 20px; max-width: var(--maxw); margin: 0 auto; }

.brand-lockup { display: flex; align-items: center; gap: 16px; flex-shrink: 0; min-width: 0; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand:hover { color: inherit; }

.main-nav ul { list-style: none; display: flex; flex-wrap: nowrap; gap: 2px; margin: 0; padding: 0; align-items: center; }
.main-nav a {
  display: block; padding: 10px 13px; font-weight: 600; font-size: .95rem; color: var(--blue); border-radius: 6px; white-space: nowrap;
}
.main-nav a:hover, .main-nav a.active { color: var(--green); background: var(--green-light); }
.main-nav .nav-cta { margin-left: 8px; }
.main-nav .nav-cta a { background: var(--green); color: #fff; padding: 9px 20px; border-radius: 6px; }
.main-nav .nav-cta a:hover { background: var(--green-dark); color: #fff; }

.nav-toggle {
  display: none; background: none; border: none; cursor: pointer; padding: 8px; flex-direction: column; gap: 5px;
}
.nav-toggle span { width: 26px; height: 3px; background: var(--blue); border-radius: 3px; transition: var(--transition); }
.nav-toggle.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Hero (light, split) ---------- */
.hero { background: var(--blue-pale); padding: 76px 0; }
.hero-split { display: grid; grid-template-columns: 55% 45%; gap: 48px; align-items: center; }
.hero-label {
  display: inline-block; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  font-size: .82rem; color: var(--green); margin-bottom: .8rem;
}
.hero-text h1 { color: var(--blue-dark); margin-bottom: .35em; }
.hero-sub { font-size: 1.17rem; color: var(--text-muted); margin-bottom: 1.4em; max-width: 560px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-bottom: 1.8em; }
.hero-badges span { font-weight: 600; font-size: .96rem; color: var(--text); }
.hero-cta { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.hero-call { font-weight: 700; color: var(--blue); font-size: 1.02rem; }
.hero-call:hover { color: var(--green); }

.hero-panel {
  background: var(--green-light); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 36px 30px; box-shadow: var(--shadow-sm);
}
.hero-panel .stat { text-align: center; padding: 16px 8px; }
.hero-panel .stat + .stat { border-top: 1px solid var(--border); }
.stat-big { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1.9rem; color: var(--green-dark); line-height: 1.1; }
.stat-label { display: block; font-size: .98rem; color: var(--text-muted); margin-top: 4px; font-weight: 600; }

/* ---------- Notice / Alert bar (gold) ---------- */
.alert-banner, .alert-bar {
  background: #639833; color: #ffffff; text-align: center; font-weight: 600;
  padding: 14px 20px; font-size: 1.02rem;
}
.alert-banner a, .alert-bar a { color: #ffffff; font-weight: 700; text-decoration: underline; }

/* ---------- Feature Grid / Cards ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.card, .feature-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm); transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover, .feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card .icon, .feature-card .icon {
  width: 60px; height: 60px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 1.7rem; margin-bottom: 16px; color: #fff;
}
.icon-blue { background: var(--blue); }
.icon-green { background: var(--green); }
.icon-red, .icon-orange { background: var(--orange); }
.icon-gold { background: var(--gold); }
.card h3, .feature-card h3 { margin-bottom: .4em; color: var(--blue); }
.card p, .feature-card p { margin-bottom: 0; color: var(--text-muted); }

/* ---------- Work With a Local Agent section ---------- */
.features-section, .work-section { background: var(--white); padding: 76px 0; }
.work-section .section-head { max-width: 760px; margin: 0 auto 44px; text-align: center; }
.work-section .section-head h2 { color: var(--blue); }
.work-section .section-head p { color: var(--text-muted); font-size: 1.1rem; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; counter-reset: step; }
.step { text-align: center; padding: 10px; }
.step .num {
  width: 62px; height: 62px; border-radius: 50%; background: var(--blue); color: #fff;
  font-family: var(--font-head); font-size: 1.8rem; font-weight: 700; display: flex; align-items: center;
  justify-content: center; margin: 0 auto 16px;
}
.step:nth-child(2) .num { background: var(--green); }
.step:nth-child(3) .num { background: var(--orange); }

/* ---------- FAQ Accordion ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; background: #fff; }
.faq-q {
  width: 100%; text-align: left; background: #fff; border: none; cursor: pointer;
  padding: 20px 54px 20px 22px; font-family: var(--font-body); font-weight: 600; font-size: 1.08rem;
  color: var(--blue); position: relative;
}
.faq-q::after {
  content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  font-size: 1.6rem; color: var(--orange); transition: transform var(--transition); line-height: 1;
}
.faq-item.open .faq-q::after { content: "\2013"; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 22px 20px; color: var(--text-muted); }

/* ---------- Testimonials ---------- */
.testimonial {
  background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm);
  border-top: 4px solid var(--green); margin: 0;
}
.testimonial p { font-style: italic; color: var(--text); }
.testimonial .stars { color: var(--gold); margin-bottom: 10px; letter-spacing: 2px; }
.testimonial cite { font-style: normal; font-weight: 700; color: var(--blue); display: block; margin-top: 8px; }

/* ---------- CTA strips ---------- */
.cta-strip { background: var(--green); color: #fff; text-align: center; padding: 60px 0; }
.cta-strip h2 { color: #fff; }
.cta-strip p { color: #eef6e6; }
.cta-strip .btn-primary { background: #fff; color: var(--green-dark); }
.cta-strip .btn-primary:hover { background: var(--off-white); color: var(--green-dark); }

/* ---------- Plan-page green CTA ---------- */
.plan-cta-section { background: #639833; color: #ffffff; padding: 60px 20px; text-align: center; }
.plan-cta-section h2 { color: #ffffff; }
.plan-cta-section p { color: rgba(255,255,255,0.9); font-size: 1.1rem; max-width: 600px; margin: 0 auto 24px; }
.plan-cta-section .btn-white { background: #ffffff; color: #639833; font-weight: 700; }
.plan-cta-section .btn-white:hover { background: #F2F7EA; color: #4A7225; }

/* ---------- Plan-page info cards ---------- */
.plan-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin: 30px 0; }
.plan-card { background: #ffffff; border: 1px solid var(--border); border-left: 4px solid var(--green); border-radius: var(--radius); padding: 26px 24px; box-shadow: var(--shadow-sm); }
.plan-card h3 { color: var(--blue); margin-bottom: .5em; font-size: 1.15rem; }
.plan-card p { margin-bottom: 0; color: var(--text-muted); font-size: .98rem; }
.plan-timeline { list-style: none; counter-reset: tl; padding: 0; margin: 26px 0; max-width: 760px; }
.plan-timeline li { position: relative; counter-increment: tl; padding: 0 0 22px 62px; }
.plan-timeline li::before { content: counter(tl); position: absolute; left: 0; top: 0; width: 42px; height: 42px; border-radius: 50%; background: var(--green); color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.2rem; display: flex; align-items: center; justify-content: center; }
.plan-timeline li::after { content: ""; position: absolute; left: 20px; top: 42px; bottom: 0; width: 2px; background: var(--border); }
.plan-timeline li:last-child { padding-bottom: 0; }
.plan-timeline li:last-child::after { display: none; }
.plan-timeline strong { color: var(--blue); }
.plan-steps { list-style: none; counter-reset: ps; padding: 0; margin: 24px 0; }
.plan-steps li { position: relative; counter-increment: ps; padding: 0 0 16px 50px; }
.plan-steps li::before { content: counter(ps); position: absolute; left: 0; top: -2px; width: 34px; height: 34px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 1rem; }

/* ---------- Forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 32px; box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; display: flex; flex-direction: column; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-weight: 600; margin-bottom: 6px; font-size: .95rem; color: var(--text); }
.form-group .req { color: var(--orange); }
.form-group input, .form-group select, .form-group textarea {
  font-family: var(--font-body); font-size: 1rem; padding: 12px 14px; border: 1.5px solid var(--border);
  border-radius: 8px; background: #fff; color: var(--text); transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(99,152,51,.15);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-group.error input, .form-group.error select, .form-group.error textarea { border-color: var(--orange); }
.field-error { color: var(--orange); font-size: .85rem; margin-top: 5px; display: none; }
.form-group.error .field-error { display: block; }

.radio-row { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 4px; }
.radio-row label { font-weight: 500; display: inline-flex; align-items: center; gap: 7px; cursor: pointer; }
.radio-row input { width: auto; }

.consent {
  display: flex; gap: 12px; align-items: flex-start; background: var(--green-light);
  border: 1px solid var(--border); border-radius: 8px; padding: 16px; margin: 8px 0 20px;
}
.consent input { width: 20px; height: 20px; margin-top: 3px; flex-shrink: 0; }
.consent label { font-size: .86rem; color: var(--text-muted); font-weight: 400; line-height: 1.55; }
.consent.error { border-color: var(--orange); background: var(--orange-light); }
.form-note { font-size: .9rem; color: var(--text-muted); margin-top: 14px; }

.form-success {
  display: none; background: var(--green-light); border: 1.5px solid var(--green); color: var(--green-dark);
  border-radius: var(--radius); padding: 22px; text-align: center; font-weight: 600; font-size: 1.1rem;
}
.form-success.show { display: block; }

.mini-form { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 28px; max-width: 540px; margin: 0 auto; }

/* ---------- Comparison Table ---------- */
.table-wrap { overflow-x: auto; }
table.compare { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
table.compare th, table.compare td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--border); vertical-align: top; }
table.compare thead th { background: var(--green); color: #fff; font-family: var(--font-body); }
table.compare tbody tr:nth-child(even) { background: var(--green-light); }
table.compare td:first-child { font-weight: 600; color: var(--blue); }

/* ---------- Content pages ---------- */
.page-hero { background: var(--blue-pale); color: var(--text); padding: 64px 0; border-bottom: 1px solid var(--border); }
.page-hero h1 { color: var(--blue-dark); }
.page-hero p { color: var(--text-muted); font-size: 1.15rem; margin-bottom: 0; }
.page-hero .eyebrow { color: var(--green); }
.prose { max-width: 820px; margin: 0 auto; }
.prose h2 { margin-top: 1.6em; }
.prose ul, .prose ol { margin: 0 0 1.2em; padding-left: 1.4em; }
.prose li { margin-bottom: .5em; }
.callout {
  background: var(--blue-pale); border-left: 5px solid var(--blue); border-radius: 0 var(--radius) var(--radius) 0;
  padding: 22px 24px; margin: 26px 0;
}
.callout.green { background: var(--green-light); border-left-color: var(--green); }
.callout.red, .callout.orange { background: var(--orange-light); border-left-color: var(--orange); }
.cta-box {
  background: var(--green-light); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 30px; text-align: center; margin: 34px 0;
}

/* ---------- About / Agent ---------- */
.agent-layout { display: grid; grid-template-columns: 300px 1fr; gap: 40px; align-items: start; }
.agent-photo { border-radius: var(--radius-lg); box-shadow: var(--shadow); width: 100%; }
.agent-photo-placeholder {
  width: 100%; aspect-ratio: 3 / 3.3; border-radius: var(--radius-lg); background: linear-gradient(135deg, var(--blue), var(--green));
  color: #fff; display: flex; align-items: center; justify-content: center; text-align: center;
  font-weight: 600; padding: 20px; box-shadow: var(--shadow);
}
.credential {
  display: inline-block; background: var(--green-light); border: 1px solid var(--border);
  border-radius: 50px; padding: 7px 16px; font-weight: 600; font-size: .9rem; margin: 4px 6px 4px 0; color: var(--green-dark);
}

/* ---------- Contact ---------- */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.info-list { list-style: none; padding: 0; margin: 0; }
.info-list li { display: flex; gap: 14px; margin-bottom: 20px; align-items: flex-start; }
.info-list .ico { font-size: 1.4rem; flex-shrink: 0; }
.map-embed iframe, .map-embed .map-placeholder { width: 100%; border: 0; border-radius: var(--radius); min-height: 300px; }
.map-placeholder { background: var(--green-light); border: 1px dashed var(--green); display: flex; align-items: center; justify-content: center; color: var(--green-dark); font-weight: 600; text-align: center; padding: 20px; }

/* ---------- Home: Form Section ---------- */
.form-section { background: var(--green-light); padding: 80px 20px; }
.form-section .section-head { max-width: 760px; margin: 0 auto 44px; text-align: center; }
.form-section .section-head h2 { color: var(--blue); }
.form-section .section-head p { color: var(--text-muted); font-size: 1.08rem; }
.form-section-inner { max-width: 1100px; margin: 0 auto; display: flex; gap: 40px; align-items: flex-start; }
.form-col { flex: 0 0 60%; min-width: 0; }
.contact-col { flex: 0 0 calc(40% - 40px); min-width: 0; }

.contact-box { background: var(--blue); color: #fff; border-radius: 12px; padding: 32px; text-align: center; }
.contact-box .cb-icon { font-size: 2.4rem; line-height: 1; }
.contact-box h3 { font-size: 1.4rem; margin: 10px 0 8px; color: #fff; }
.contact-box p { color: #dbe4f5; margin-bottom: 4px; }
.contact-box .phone-link { display: block; font-size: 2rem; font-weight: 700; color: #fff; text-decoration: none; margin: 12px 0; }
.contact-box .phone-link:hover { color: #ffe08a; }
.contact-box .cb-hours { font-size: .9rem; color: #cbd5e1; margin: 8px 0 18px; }
.contact-box .btn-schedule { display: inline-block; background: var(--gold); color: var(--text); padding: 12px 22px; border-radius: 8px; font-weight: 700; text-decoration: none; }
.contact-box .btn-schedule:hover { background: var(--gold-dark); color: #fff; }

.trust-block { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 24px 28px; margin-top: 20px; }
.trust-list { list-style: none; padding: 0; margin: 0; }
.trust-list li { padding: 6px 0; color: var(--text); font-size: .96rem; }

/* ---------- Home: Reviews Section ---------- */
.reviews-section { background: var(--off-white); padding: 80px 20px; }
.reviews-section .section-head { max-width: 760px; margin: 0 auto 12px; text-align: center; }
.reviews-section .section-head h2 { color: var(--blue); }
.reviews-rating { text-align: center; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.reviews-rating .stars { color: var(--gold); font-size: 1.25rem; letter-spacing: 2px; }
.reviews-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; max-width: 1000px; margin: 40px auto 0; }
.review-card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 28px; box-shadow: var(--shadow-sm); }
.review-stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 8px; letter-spacing: 1px; }
.review-text { font-style: italic; color: #333; line-height: 1.7; margin-bottom: 16px; }
.review-author { font-weight: 700; color: var(--blue); font-size: .95rem; }
.review-date { color: #888; font-size: .85rem; margin-left: 8px; font-weight: 400; }
.reviews-attribution { text-align: center; color: #888; font-size: .85rem; margin-top: 28px; }

/* ---------- Footer ---------- */
.site-footer { background: #a3a19b; color: #ffffff; padding: 54px 0 26px; font-size: .95rem; }
.site-footer a { color: #ffffff; }
.site-footer a:hover { color: #F0F4F8; }
.site-footer h4, .site-footer strong { color: #ffffff; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 36px; margin-bottom: 34px; }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: 1rem; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 10px; }
.footer-logo { background: #fff; padding: 12px; border-radius: var(--radius); display: inline-block; margin-bottom: 16px; }
.footer-logo img { height: 46px; width: auto; }
.footer-agent { display: flex; align-items: flex-start; gap: 14px; margin-top: 8px; }
.agent-thumb { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; flex-shrink: 0; border: 2px solid var(--green); }
.agent-footer-bio { font-size: 0.82rem; color: #ffffff; line-height: 1.5; }
.agent-footer-bio strong { color: #ffffff; display: block; margin-bottom: 2px; font-size: 0.9rem; }
.agent-footer-bio span { font-size: 0.78rem; color: #f0eeec; }
.disclaimer, .footer-disclaimer { border-top: 1px solid rgba(255,255,255,.28); padding-top: 22px; font-size: .8rem; color: #f0eeec; line-height: 1.6; }
.disclaimer p { margin-bottom: .8em; }
.copyright { text-align: center; padding-top: 18px; font-size: .85rem; color: #f0eeec; }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.skip-link { position: absolute; left: -999px; top: 0; background: #fff; color: var(--blue); padding: 10px 16px; z-index: 999; }
.skip-link:focus { left: 10px; top: 10px; }

/* === Site Logo (PNG) === */
.site-logo { display: block; height: 96px; width: auto; max-width: 500px; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero-split { grid-template-columns: 1fr; gap: 32px; }
  .hero-panel { max-width: 520px; }
}
@media (max-width: 900px) {
  .grid-3, .steps { grid-template-columns: 1fr; }
  .agent-layout, .contact-layout, .grid-2 { grid-template-columns: 1fr; }
  .agent-photo, .agent-photo-placeholder { max-width: 320px; }
  .site-logo { height: 72px; max-width: 380px; }
}
@media (max-width: 820px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff; box-shadow: var(--shadow);
    max-height: 0; overflow: hidden; transition: max-height .3s ease;
  }
  .main-nav.open { max-height: 620px; }
  .main-nav ul { flex-direction: column; align-items: stretch; padding: 8px; gap: 2px; }
  .main-nav a { padding: 14px 16px; }
  .main-nav .nav-cta { margin: 6px 0 0; }
  .main-nav .nav-cta a { text-align: center; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .hero { padding: 56px 0; }
  .topbar .tb-note { display: none; }
}
@media (max-width: 768px) {
  .reviews-grid { grid-template-columns: 1fr; }
  .form-section-inner { flex-direction: column; }
  .form-col, .contact-col { flex: 1 1 100%; width: 100%; }
  .plan-cards { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .site-logo { height: 58px; max-width: 280px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero .btn, .hero-cta .btn { width: 100%; }
  .hero-cta { gap: 14px; }
}


/* ---------- Light-scheme concept mockup ---------- */
:root {
  --orange: #B85D00;
  --orange-dark: #934900;
  --orange-light: #FFF4E8;
  --orange-brand: #EB5615;
  --blue: #025391;
  --blue-dark: #013D6E;
  --blue-pale: #F3F7FA;
  --green: #639833;
  --green-dark: #4A7225;
  --green-light: #F3F7F0;
  --gold: #B85D00;
  --gold-dark: #934900;
  --text: #373D43;
  --text-muted: #626B73;
  --white: #FFFFFF;
  --off-white: #F5F6F7;
  --border: #E1E5E8;
  --gray-bg: #F5F6F7;
  --font-head: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
body, .work-section, .features-section, .hero, .form-section, .reviews-section,
.section-alt, .page-hero, .cta-box, .consent, .hero-panel, .map-placeholder,
.credential, .callout.green, .form-success, .table.compare tbody tr:nth-child(even) {
  background-color: #fff;
}
a:hover { color: var(--orange); }
h1, h2, h3, h4, h5 { font-family: var(--font-head); font-weight: 600; letter-spacing: -.025em; color: var(--blue-dark); }
.hero { padding-top: 64px; padding-bottom: 64px; }
.hero-label, .eyebrow, .hero .hero-label { color: var(--blue); }
.hero-panel { background: #F5F6F7; border-color: var(--border); box-shadow: none; }
.stat-big { color: var(--blue); font-family: var(--font-head); font-weight: 600; }
.btn-primary, .main-nav .nav-cta a { background: var(--blue); color: #fff; }
.btn-primary:hover, .main-nav .nav-cta a:hover { background: var(--blue-dark); color: #fff; }
.btn-orange, .btn-red { background: var(--orange); }
.btn-gold { background: var(--orange); color: #fff; }
.btn-gold:hover { background: var(--orange-dark); color: #fff; }
.topbar { background: var(--blue); color: #fff; border: 0; font-size: .9rem; }
.topbar .container { padding-top: 7px; padding-bottom: 7px; }
.topbar .tb-phone { display: inline-flex; align-items: center; gap: 8px; letter-spacing: .01em; }
.topbar .tb-phone svg { width: 16px; height: 16px; flex: 0 0 auto; }
.header-inner { min-height: 128px; padding-top: 2px; padding-bottom: 2px; }
.site-logo { height: 120px; max-width: 520px; }
.topbar a, .topbar .tb-note { color: #fff; }
.topbar a:hover { color: #FFE2D5; }
.site-header { background: #fff; box-shadow: 0 1px 0 var(--border); }
.main-nav a { color: #414950; transition: color var(--transition); }
.main-nav a:hover { color: var(--orange); background: transparent; }
.main-nav a.active { color: var(--blue); background: transparent; font-weight: 700; }
.nav-toggle span { background: var(--blue); }
.main-nav .nav-cta a { color: #fff; }
.eyebrow, .hero-call:hover, .page-hero .eyebrow { color: var(--blue); }
.icon-green, .icon-blue, .icon-gold { background: var(--blue); }
.step .num, .step:nth-child(2) .num, .step:nth-child(3) .num { background: var(--blue); }
.testimonial { border-top-color: var(--blue); }
.testimonial .stars, .reviews-rating .stars, .review-stars { color: var(--orange); }
.plan-card { border-left-color: var(--blue); }
.plan-timeline li::before { background: var(--blue); }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(2,83,145,.12); }
.consent { background: #F5F6F7; }
.form-success { background: #F3F7FA; border-color: var(--blue); color: var(--blue-dark); }
table.compare thead th { background: var(--blue); }
table.compare tbody tr:nth-child(even) { background: #F5F6F7; }
.callout.green, .cta-box, .credential { background: #F5F6F7; }
.callout.green { border-left-color: var(--blue); }
.credential { border-color: var(--border); color: var(--blue-dark); }
.agent-photo-placeholder { background: #F5F6F7; color: var(--text-muted); }
.map-placeholder { background: #F5F6F7; border-color: var(--blue); color: var(--blue-dark); }
.contact-box .btn-schedule { background: var(--orange); color: #fff; }
.contact-box .btn-schedule:hover { background: var(--orange-dark); color: #fff; }
.alert-bar, .alert-banner { background: var(--orange); color: #fff; }
.alert-bar a, .alert-banner a { color: #fff; }
.grid-3 .feature-card, .card, .feature-card { border-color: var(--border); box-shadow: none; }
.icon-green, .icon-blue { background: var(--blue); }
.icon-orange, .icon-red { background: var(--orange); }
.icon-gold { background: var(--blue); }
.step .num, .step:nth-child(2) .num, .step:nth-child(3) .num { background: var(--blue); }
.testimonial { border-top-color: var(--blue); box-shadow: none; border: 1px solid var(--border); }
.testimonial .stars, .reviews-rating .stars { color: var(--orange); }
.form-section, .reviews-section { background: #F5F6F7; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(2,83,145,.12); }
.consent, .cta-box, .map-placeholder, .form-success { background: #fff; }
.form-success { border-color: var(--blue); color: var(--blue-dark); }
.site-footer { background: #42484E; color: #E2E5E8; }
.site-footer a { color: #fff; }
.site-footer a:hover { color: #FDB08C; }
.site-footer h4 { color: #fff; }
.disclaimer, .copyright { color: #C6CCD1; }
.footer-logo { background: #fff; }
.agent-thumb { border-color: var(--orange); }
.cta-strip { background: var(--blue); }
.cta-strip p { color: #E4EEF5; }
.cta-strip .btn-primary { background: #fff; color: var(--blue); }
.cta-strip .btn-primary:hover { background: #F1F4F6; color: var(--blue-dark); }
.contact-box .phone-link:hover { color: #FFE2D5; }
@media (max-width: 900px) {
  .header-inner { min-height: 90px; padding-top: 4px; padding-bottom: 4px; }
  .site-logo { height: 72px; max-width: 360px; }
}
@media (max-width: 820px) {
  .header-inner { min-height: 98px; padding-top: 5px; padding-bottom: 5px; }
  .site-logo { height: 88px; max-width: 420px; }
  .main-nav { background: #fff; border-top: 1px solid var(--border); }
  .main-nav a { color: #414950; }
  .main-nav a:hover { color: var(--orange); background: transparent; }
  .main-nav a.active { color: var(--blue); font-weight: 700; }
  .main-nav .nav-cta a { color: #fff; }
}
@media (max-width: 600px) {
  .header-inner { min-height: 78px; padding-top: 5px; padding-bottom: 5px; }
  .site-logo { height: 66px; max-width: 330px; }
  .topbar .tb-note { display: none; }
  .topbar .container { justify-content: flex-end; }
}