/* Low Cost Insurance — site styles
   Layout: open, card-light sections alternating white / pale blue; one framed object per section (form, step rail). */
:root {
  --bg: #ffffff;
  --bg-soft: #f2f6fc;
  --surface: #ffffff;
  --ink: #0d1b33;
  --ink-2: #46556e;
  --line: #d9e1ed;
  --blue: #1a4fd6;
  --blue-deep: #0b2f86;
  --blue-soft: #e8effd;
  --on-blue: #ffffff;
  --green: #12804e;
  --green-soft: #e2f3ea;
  --danger: #b42318;
  --danger-soft: #fdecea;
  --focus: #f2a93b;
  --shadow: 0 1px 2px rgba(13, 27, 51, .06), 0 12px 32px -12px rgba(13, 27, 51, .18);
  --display: "Source Serif 4", "Source Serif Pro", Georgia, "Times New Roman", serif;
  --body: "Public Sans", "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
  --radius: 16px;
  --wrap: 1180px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0a1220; --bg-soft: #0f1a2e; --surface: #132039; --ink: #e8eef8; --ink-2: #a7b4ca;
    --line: #26354f; --blue: #7aa2ff; --blue-deep: #c4d5ff; --blue-soft: #18284a; --on-blue: #08101e;
    --green: #52c48c; --green-soft: #12301f; --danger: #ff8f84; --danger-soft: #3a1714;
    --shadow: 0 1px 2px rgba(0,0,0,.3), 0 12px 32px -12px rgba(0,0,0,.6);
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0a1220; --bg-soft: #0f1a2e; --surface: #132039; --ink: #e8eef8; --ink-2: #a7b4ca;
  --line: #26354f; --blue: #7aa2ff; --blue-deep: #c4d5ff; --blue-soft: #18284a; --on-blue: #08101e;
  --green: #52c48c; --green-soft: #12301f; --danger: #ff8f84; --danger-soft: #3a1714;
  --shadow: 0 1px 2px rgba(0,0,0,.3), 0 12px 32px -12px rgba(0,0,0,.6);
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: var(--body); font-size: 1.0625rem; line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--surface); }
img, svg { max-width: 100%; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--blue-deep); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
[hidden] { display: none !important; }

h1, h2, h3, h4 { margin: 0; color: var(--ink); text-wrap: balance; }
h1, h2 { font-family: var(--display); font-weight: 650; letter-spacing: -.015em; line-height: 1.12; }
h1 { font-size: clamp(2.15rem, 3.6vw + 1rem, 3.6rem); }
h2 { font-size: clamp(1.75rem, 1.8vw + 1rem, 2.5rem); }
h3 { font-family: var(--body); font-size: 1.125rem; font-weight: 700; line-height: 1.35; }
p { margin: 0; }
.lede { font-size: clamp(1.1rem, .4vw + 1rem, 1.25rem); color: var(--ink-2); max-width: 62ch; }
.muted { color: var(--ink-2); }
.small { font-size: .875rem; line-height: 1.55; }
.eyebrow svg { width: 16px; height: 16px; flex: none; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--green);
}

.skip { position: absolute; left: -999px; top: 8px; background: var(--blue); color: var(--on-blue); padding: 10px 16px; border-radius: 8px; z-index: 100; }
.skip:focus { left: 16px; }

.wrap {
  width: 100%; max-width: calc(var(--wrap) + 64px); margin-inline: auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px));
}
@media (min-width: 720px) { .wrap { padding-left: max(32px, env(safe-area-inset-left, 0px)); padding-right: max(32px, env(safe-area-inset-right, 0px)); } }

.section { padding-block: clamp(56px, 7vw, 96px); }
.section-soft { background: var(--bg-soft); }
.section-head { display: grid; gap: 14px; max-width: 760px; margin-bottom: clamp(32px, 4vw, 48px); }
.section-head.center { margin-inline: auto; text-align: center; justify-items: center; }
.stack { display: grid; gap: 16px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 50px; padding: 12px 22px; border-radius: 999px; border: 2px solid transparent;
  font: 700 1rem/1.2 var(--body); text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .15s, border-color .15s, color .15s, transform .15s;
}
.btn svg { width: 20px; height: 20px; flex: none; }
.btn-primary { background: var(--blue); color: var(--on-blue); }
.btn-primary:hover { background: var(--blue-deep); color: var(--on-blue); }
:root[data-theme="dark"] .btn-primary:hover { background: #a9c2ff; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .btn-primary:hover { background: #a9c2ff; } }
.btn-outline { background: var(--surface); color: var(--ink); border-color: var(--line); }
.btn-outline:hover { border-color: var(--blue); color: var(--ink); }
.btn-outline svg { color: var(--green); }
.btn-lg { min-height: 56px; padding-inline: 28px; font-size: 1.0625rem; }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
@media (prefers-reduced-motion: no-preference) { .btn:active { transform: translateY(1px); } }

/* Header */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: color-mix(in srgb, var(--surface) 94%, transparent);
  backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 20px; min-height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); margin-right: auto; }
.brand svg { width: 36px; height: 36px; flex: none; }
.brand-name { font-family: var(--display); font-weight: 700; font-size: 1.28rem; letter-spacing: -.01em; line-height: 1; }
.brand-name small { white-space: nowrap; display: block; font-family: var(--body); font-size: .68rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-2); margin-top: 4px; }
.nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; }
.nav a { white-space: nowrap; display: block; padding: 10px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: .95rem; }
.nav a:hover { background: var(--bg-soft); }
.nav a[aria-current="page"] { color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 12px; }
.header-phone { white-space: nowrap; display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-weight: 800; font-size: 1.05rem; font-variant-numeric: tabular-nums; }
.header-phone .ph-ico { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--green-soft); color: var(--green); }
.header-phone .ph-ico svg { width: 20px; height: 20px; }
.header-phone small { display: block; font-size: .72rem; font-weight: 600; color: var(--ink-2); letter-spacing: .02em; }
.menu-toggle { display: none; width: 46px; height: 46px; border-radius: 10px; border: 1px solid var(--line); background: var(--surface); color: var(--ink); cursor: pointer; place-items: center; }
.menu-toggle svg { width: 24px; height: 24px; }
.nav-mobile-cta { display: none; }

@media (max-width: 1320px) {
  .header-phone .ph-text small { display: none; }
  .header-inner { gap: 12px; }
  .nav a { padding: 10px 9px; }
}
@media (min-width: 1181px) and (max-width: 1320px) {
  .site-header .brand-name small { display: none; }
}
@media (max-width: 1180px) {
  .menu-toggle { display: grid; }
  .header-actions .btn-primary { display: none; }
  .header-phone .ph-text { display: none; }
  .nav {
    position: fixed; left: 0; right: 0; top: calc(72px + env(safe-area-inset-top, 0px)); bottom: 0;
    background: var(--surface); border-top: 1px solid var(--line);
    padding: 16px max(16px, env(safe-area-inset-right, 0px)) calc(24px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px));
    overflow-y: auto; display: none;
  }
  .nav.open { display: block; }
  .nav ul { flex-direction: column; gap: 2px; }
  .nav a { padding: 14px 12px; font-size: 1.1rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav-mobile-cta { display: grid; gap: 12px; margin-top: 24px; }
  body.nav-open { overflow: hidden; }
}

/* Mobile action bar */
.mobile-bar { display: none; }
@media (max-width: 720px) {
  .mobile-bar {
    display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
    padding: 10px max(12px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(12px, env(safe-area-inset-left, 0px));
    background: var(--surface); border-top: 1px solid var(--line); box-shadow: 0 -8px 24px -12px rgba(13,27,51,.25);
  }
  .mobile-bar .btn { min-height: 48px; padding-inline: 12px; font-size: .95rem; }
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom, 0px)); }
}

/* Hero */
.hero { background: linear-gradient(180deg, var(--blue-soft) 0%, var(--bg) 100%); padding-block: clamp(40px, 6vw, 80px) clamp(40px, 5vw, 64px); }
.hero-grid { display: grid; gap: 40px; align-items: center; }
@media (min-width: 940px) { .hero-grid { grid-template-columns: 1.08fr .92fr; gap: 56px; } }
.hero-copy { display: grid; gap: 22px; min-width: 0; }
.hero-copy h1 .accent { color: var(--blue); }
.hero-note { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--ink-2); max-width: 56ch; }
.hero-note svg { width: 20px; height: 20px; flex: none; color: var(--green); margin-top: 2px; }
.zip-start { display: flex; gap: 10px; flex-wrap: wrap; max-width: 520px; padding: 8px; border-radius: 999px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow); }
.zip-start label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.zip-start input { flex: 1 1 160px; min-width: 0; border: 0; background: transparent; padding: 10px 16px; font: 600 1.05rem var(--body); color: var(--ink); }
.zip-start input:focus { outline: none; }
.zip-start:focus-within { outline: 3px solid var(--focus); outline-offset: 2px; }
.zip-start .btn { flex: 0 0 auto; }
@media (max-width: 460px) { .zip-start { border-radius: 18px; } .zip-start .btn { flex: 1 1 100%; } }
.hero-art { min-width: 0; }
.hero-art svg { display: block; width: 100%; height: auto; }

/* Trust strip */
.trust { border-block: 1px solid var(--line); background: var(--surface); }
.trust ul { list-style: none; margin: 0; padding: 18px 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 32px; }
.trust li { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; font-size: .95rem; color: var(--ink); }
.trust svg { width: 22px; height: 22px; color: var(--green); flex: none; }

/* Grids & cards */
.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: 1fr; }
.grid-4 { grid-template-columns: 1fr; }
@media (min-width: 600px) { .grid-4, .grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; display: grid; gap: 12px; align-content: start; min-width: 0; }
.card p { color: var(--ink-2); font-size: 1rem; }
.icon-tile { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 12px; background: var(--blue-soft); color: var(--blue); }
.icon-tile svg { width: 24px; height: 24px; }
.icon-tile.green { background: var(--green-soft); color: var(--green); }
.cov { padding: 22px; gap: 10px; }
.cov h3 { font-size: 1.05rem; }
.cov p { font-size: .95rem; }
.who { display: flex; gap: 14px; align-items: flex-start; padding: 18px 20px; border-radius: 14px; background: var(--surface); border: 1px solid var(--line); min-width: 0; }
.who svg { width: 24px; height: 24px; flex: none; color: var(--blue); margin-top: 2px; }
.who h3 { font-size: 1rem; }
.who p { font-size: .9rem; color: var(--ink-2); margin-top: 4px; }

.disclaimer { margin-top: 28px; padding: 14px 18px; border-left: 3px solid var(--line); color: var(--ink-2); font-size: .9rem; max-width: 900px; }

/* Carriers */
.carriers { display: grid; gap: 32px; align-items: center; }
@media (min-width: 900px) { .carriers { grid-template-columns: 1fr 1fr; gap: 56px; } }
.carrier-list { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; margin: 0; padding: 0; }
.carrier-list li { padding: 10px 18px; border-radius: 999px; border: 1px solid var(--line); background: var(--surface); font-weight: 700; font-size: .98rem; }
.carrier-list li.more { border-style: dashed; color: var(--ink-2); font-weight: 600; }
.notice { display: flex; gap: 12px; padding: 16px 18px; border-radius: 12px; background: var(--bg-soft); border: 1px solid var(--line); font-size: .92rem; color: var(--ink-2); }
.section-soft .notice { background: var(--surface); }
.notice svg { width: 20px; height: 20px; flex: none; color: var(--blue); margin-top: 2px; }

/* Steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; counter-reset: step; }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; } }
.step { position: relative; display: grid; gap: 10px; align-content: start; padding: 28px; border-radius: var(--radius); background: var(--surface); border: 1px solid var(--line); }
.step-num { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--blue); color: var(--on-blue); font: 700 1.15rem var(--display); }
.step p { color: var(--ink-2); }
.center-cta { display: flex; justify-content: center; margin-top: 36px; }

/* Savings band */
.savings { background: var(--green-soft); }
.savings-inner { display: grid; gap: 24px; align-items: center; }
@media (min-width: 900px) { .savings-inner { grid-template-columns: 1.4fr auto; gap: 48px; } }
.savings h2 { max-width: 22ch; }
.savings .lede { color: var(--ink); opacity: .85; }
.savings-tag { font-family: var(--display); font-style: italic; font-size: 1.25rem; color: var(--green); }

/* Quote section & form */
.quote-layout { display: grid; gap: 36px; align-items: start; }
@media (min-width: 980px) { .quote-layout { grid-template-columns: .8fr 1.2fr; gap: 56px; } }
.quote-aside { display: grid; gap: 20px; min-width: 0; }
@media (min-width: 980px) { .quote-aside { position: sticky; top: 110px; } }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist svg { width: 22px; height: 22px; flex: none; color: var(--green); margin-top: 2px; }
.call-card { display: grid; gap: 6px; padding: 22px; border-radius: var(--radius); background: var(--blue); color: var(--on-blue); }
.call-card p { opacity: .9; }
.call-card a { color: var(--on-blue); font: 700 1.6rem var(--display); text-decoration: none; font-variant-numeric: tabular-nums; }
.call-card a:hover { text-decoration: underline; color: var(--on-blue); }

.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); padding: clamp(22px, 3.5vw, 40px); min-width: 0; }
.form-card h2, .form-card h3.form-title { font-family: var(--display); font-size: clamp(1.5rem, 1vw + 1.1rem, 1.9rem); font-weight: 650; margin-bottom: 6px; }
.form-intro { color: var(--ink-2); margin-bottom: 24px; font-size: .98rem; }
.form-grid { display: grid; gap: 18px 16px; grid-template-columns: 1fr; }
@media (min-width: 600px) { .form-grid { grid-template-columns: 1fr 1fr; } .span-2 { grid-column: 1 / -1; } }
.form-group-title { grid-column: 1 / -1; font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-2); padding-top: 8px; border-top: 1px solid var(--line); margin-top: 4px; }
.form-group-title:first-child { border-top: 0; padding-top: 0; margin-top: 0; }
.field { display: grid; gap: 6px; min-width: 0; }
.field label, .field legend { font-weight: 600; font-size: .95rem; color: var(--ink); padding: 0; }
.req { color: var(--danger); margin-left: 2px; }
.opt { color: var(--ink-2); font-weight: 500; font-size: .85rem; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px; border-radius: 10px;
  border: 1.5px solid var(--line); background: var(--bg); color: var(--ink);
  font: 500 1rem var(--body); transition: border-color .15s, box-shadow .15s;
}
.field textarea { min-height: 110px; resize: vertical; line-height: 1.5; }
.field select { appearance: none; -webkit-appearance: none; padding-right: 42px;
  background-image: linear-gradient(45deg, transparent 50%, var(--ink-2) 50%), linear-gradient(135deg, var(--ink-2) 50%, transparent 50%);
  background-position: calc(100% - 20px) 52%, calc(100% - 14px) 52%; background-size: 6px 6px; background-repeat: no-repeat; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px var(--blue-soft); }
.field .hint { font-size: .82rem; color: var(--ink-2); }
.field .error { font-size: .85rem; color: var(--danger); font-weight: 600; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--danger); }
fieldset.field { border: 0; margin: 0; padding: 0; }
.choice-row { display: flex; flex-wrap: wrap; gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice span { display: inline-flex; align-items: center; min-height: 46px; padding: 10px 18px; border-radius: 10px; border: 1.5px solid var(--line); background: var(--bg); font-weight: 600; cursor: pointer; }
.choice input:checked + span { border-color: var(--blue); background: var(--blue-soft); color: var(--ink); }
.choice input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.consent { display: grid; gap: 12px; grid-column: 1 / -1; padding: 16px; border-radius: 12px; background: var(--bg-soft); border: 1px solid var(--line); }
.check { display: grid; grid-template-columns: 22px 1fr; gap: 12px; align-items: start; font-size: .86rem; line-height: 1.5; color: var(--ink-2); }
.check input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--blue); }
.check.invalid { color: var(--danger); }
.form-legal { grid-column: 1 / -1; font-size: .8rem; color: var(--ink-2); line-height: 1.5; }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { grid-column: 1 / -1; padding: 14px 16px; border-radius: 10px; background: var(--danger-soft); color: var(--danger); font-weight: 600; font-size: .95rem; }
.form-success { display: grid; gap: 14px; justify-items: start; padding: 8px 0; }
.form-success .icon-tile { width: 56px; height: 56px; border-radius: 50%; }
.form-success h3 { font-family: var(--display); font-size: 1.6rem; font-weight: 650; }
.form-success p { color: var(--ink-2); max-width: 54ch; }
.btn[disabled] { opacity: .65; cursor: progress; }

/* Page hero (inner pages) */
.page-hero { background: linear-gradient(180deg, var(--blue-soft), var(--bg)); padding-block: clamp(40px, 6vw, 72px) clamp(28px, 4vw, 48px); }
.page-hero .wrap { display: grid; gap: 16px; }
.crumbs { font-size: .85rem; color: var(--ink-2); }
.crumbs a { color: var(--ink-2); }
.prose { max-width: 72ch; display: grid; gap: 18px; }
.prose h2 { font-size: clamp(1.4rem, 1vw + 1rem, 1.8rem); margin-top: 18px; }
.prose h3 { margin-top: 8px; }
.prose ul { margin: 0; padding-left: 1.25em; display: grid; gap: 8px; }
.prose p, .prose li { color: var(--ink); }
.two-col { display: grid; gap: 40px; align-items: start; }
@media (min-width: 960px) { .two-col { grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 64px; } }
.side-card { display: grid; gap: 14px; padding: 26px; border-radius: var(--radius); border: 1px solid var(--line); background: var(--surface); }
@media (min-width: 960px) { .side-card.sticky { position: sticky; top: 110px; } }
.big-phone { font: 700 clamp(1.8rem, 2vw + 1rem, 2.4rem) var(--display); color: var(--ink); text-decoration: none; font-variant-numeric: tabular-nums; }
.big-phone:hover { color: var(--blue); }
.info-list { display: grid; gap: 0; margin: 0; }
.info-list div { display: grid; grid-template-columns: 130px 1fr; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.info-list dt { font-weight: 700; font-size: .9rem; }
.info-list dd { margin: 0; color: var(--ink-2); font-size: .95rem; min-width: 0; overflow-wrap: anywhere; }
@media (max-width: 420px) { .info-list div { grid-template-columns: 1fr; gap: 2px; } }
.edit-me { background: #fff5d6; color: #6b4a00; border: 1px dashed #d9a400; border-radius: 6px; padding: 1px 6px; font-weight: 600; }
:root[data-theme="dark"] .edit-me { background: #3a2d05; color: #ffd76a; border-color: #8a6a00; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .edit-me { background: #3a2d05; color: #ffd76a; border-color: #8a6a00; } }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 12px; }
table { width: 100%; border-collapse: collapse; font-size: .95rem; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--bg-soft); font-weight: 700; }
tr:last-child td { border-bottom: 0; }

/* FAQ */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { border: 1px solid var(--line); border-radius: 14px; background: var(--surface); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 20px 22px; font-weight: 700; font-size: 1.05rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--blue-soft); color: var(--blue); font-size: 1.3rem; font-weight: 600; }
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 22px 20px; color: var(--ink-2); display: grid; gap: 10px; }

/* CTA band */
.cta-band { background: var(--blue-deep); color: #fff; }
:root[data-theme="dark"] .cta-band { background: #13234a; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .cta-band { background: #13234a; } }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d7e2ff; }
.cta-inner { display: grid; gap: 24px; align-items: center; }
@media (min-width: 900px) { .cta-inner { grid-template-columns: 1fr auto; } }
.cta-band .btn-primary { background: #fff; color: #0b2f86; }
.cta-band .btn-primary:hover { background: #e3ebff; color: #0b2f86; }
.cta-band .btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.cta-band .btn-outline:hover { border-color: #fff; color: #fff; }
.cta-band .btn-outline svg { color: #7fe0b0; }

/* Footer */
.site-footer { background: var(--bg-soft); border-top: 1px solid var(--line); padding-block: 56px 32px; font-size: .95rem; }
.footer-grid { display: grid; gap: 32px; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.footer-grid h2 { font-family: var(--body); font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-2); margin-bottom: 14px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-grid a { color: var(--ink); text-decoration: none; }
.footer-grid a:hover { color: var(--blue); text-decoration: underline; }
.footer-brand { display: grid; gap: 12px; align-content: start; }
.footer-phone { font: 700 1.5rem var(--display); color: var(--ink) !important; font-variant-numeric: tabular-nums; }
.footer-legal { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--line); display: grid; gap: 12px; color: var(--ink-2); font-size: .82rem; line-height: 1.6; }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }