/* ==========================================================================
   SCOOBYLIFE & HEALTH INSURANCE AGENCY — DESIGN SYSTEM
   ========================================================================== */

:root {
  --blue-deep: #0E467A;
  --blue-deep-dark: #06365F;
  --blue-bright: #126BDA;
  --green: #22570E;
  --bg-light: #EDF4F7;
  --white: #FFFFFF;
  --navy: #0B2239;

  --text-muted: #4C6178;
  --border-soft: #D9E5EC;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 28px;

  --shadow-sm: 0 2px 10px rgba(11, 34, 57, 0.06);
  --shadow-md: 0 12px 32px rgba(11, 34, 57, 0.10);
  --shadow-lg: 0 24px 60px rgba(11, 34, 57, 0.16);

  --grad-primary: linear-gradient(135deg, #0E467A 0%, #126BDA 100%);
  --grad-deep: linear-gradient(135deg, #06365F 0%, #0E467A 55%, #126BDA 100%);

  --font-heading: "Plus Jakarta Sans", "Manrope", sans-serif;
  --font-body: "Inter", sans-serif;

  --container: 1240px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--navy);
  margin: 0 0 0.5em;
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.01em;
}
p { margin: 0 0 1em; color: var(--text-muted); }
button { font-family: inherit; cursor: pointer; }
section { position: relative; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-bright);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--blue-bright);
  display: inline-block;
}

.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.7rem, 2.6vw, 2.4rem); }
.section-head p { font-size: 1.05rem; }

.section { padding: 88px 0; }
.section.tight { padding: 64px 0; }
.bg-light { background: var(--bg-light); }
.bg-deep { background: var(--grad-deep); color: var(--white); }
.bg-deep h2, .bg-deep h3, .bg-deep p, .bg-deep .eyebrow { color: var(--white); }
.bg-deep .eyebrow::before { background: var(--white); }
.bg-deep p { color: rgba(255,255,255,0.82); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; flex-shrink: 0; }
.btn-primary {
  background: var(--blue-bright);
  color: var(--white);
  box-shadow: 0 10px 24px rgba(18, 107, 218, 0.32);
}
.btn-primary:hover { background: #0f5cc0; transform: translateY(-1px); box-shadow: 0 14px 28px rgba(18,107,218,0.4); }
.btn-secondary {
  background: transparent;
  color: var(--blue-deep);
  border-color: var(--blue-deep);
}
.btn-secondary:hover { background: var(--blue-deep); color: var(--white); }
.btn-ghost-light {
  background: rgba(255,255,255,0.08);
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-ghost-light:hover { background: var(--white); color: var(--blue-deep); }
.btn-white {
  background: var(--white);
  color: var(--blue-deep);
}
.btn-white:hover { transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

/* ---------- Top Announcement Bar ---------- */
.topbar {
  background: var(--blue-deep-dark);
  color: rgba(255,255,255,0.92);
  font-size: 0.82rem;
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 9px;
  padding-bottom: 9px;
  gap: 16px;
}
.topbar-left, .topbar-right {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}
.topbar a { display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--white); }
.topbar svg { width: 14px; height: 14px; opacity: 0.85; }
.topbar-right { color: rgba(255,255,255,0.7); }
.topbar-social {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-left: 16px;
  margin-left: 4px;
  border-left: 1px solid rgba(255,255,255,0.25);
}
.topbar-social a { color: rgba(255,255,255,0.75); }
.topbar-social a:hover { color: var(--white); }
.topbar-social svg { width: 14px; height: 14px; opacity: 1; }

/* ---------- Navigation ---------- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-soft);
  transition: box-shadow 0.25s ease, padding 0.25s ease;
}
.navbar.scrolled { box-shadow: var(--shadow-sm); }
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  transition: padding 0.25s ease;
  gap: 20px;
}
.navbar.scrolled .container { padding-top: 10px; padding-bottom: 10px; }

.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo svg { width: 40px; height: 40px; }
.logo-text { font-family: var(--font-heading); line-height: 1.1; }
.logo-text .name { font-weight: 800; font-size: 1.18rem; color: var(--blue-deep); display: block; }
.logo-text .tag { font-weight: 600; font-size: 0.62rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-muted); display: block; }

.logo-img { height: 46px; width: auto; display: block; }
.footer-logo-badge {
  display: inline-flex;
  align-items: center;
  background: var(--white);
  border-radius: 12px;
  padding: 10px 18px;
}
.footer-logo-badge .logo-img { height: 36px; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
  padding: 6px 2px;
  position: relative;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--blue-bright);
  transform: scaleX(0);
  transition: transform 0.2s ease;
}
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-links a.active { color: var(--blue-bright); }

.has-dropdown { position: relative; }
.has-dropdown > a { display: flex; align-items: center; gap: 5px; }
.has-dropdown > a svg { width: 12px; height: 12px; transition: transform 0.2s ease; }
.has-dropdown:hover > a svg { transform: rotate(180deg); }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-soft);
  padding: 10px;
  min-width: 240px;
  display: grid;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, transform 0.2s ease;
  z-index: 50;
}
.has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu a {
  padding: 11px 14px;
  border-radius: 8px;
  font-size: 0.88rem;
  display: block;
}
.dropdown-menu a::after { display: none; }
.dropdown-menu a:hover { background: var(--bg-light); color: var(--blue-bright); }

.mobile-sublist { display: flex; flex-direction: column; margin: 4px 0 8px 14px; }
.mobile-sublist a.mlink { padding: 11px 10px; font-size: 0.92rem; font-weight: 500; }
.mobile-group > .mlink { display: flex; align-items: center; justify-content: space-between; cursor: pointer; }
.mobile-group > .mlink svg { width: 14px; height: 14px; transition: transform 0.2s ease; }
.mobile-group.open > .mlink svg { transform: rotate(180deg); }
.mobile-group .mobile-sublist { display: none; }
.mobile-group.open .mobile-sublist { display: flex; }

.nav-cta { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.nav-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--blue-deep);
}
.nav-phone svg { width: 18px; height: 18px; color: var(--blue-bright); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  width: 42px; height: 42px;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
}
.nav-toggle svg { width: 24px; height: 24px; color: var(--blue-deep); }

/* Mobile nav */
.mobile-panel {
  position: fixed;
  inset: 0 0 0 auto;
  width: min(340px, 86vw);
  background: var(--white);
  z-index: 400;
  box-shadow: var(--shadow-lg);
  transform: translateX(100%);
  transition: transform 0.3s ease;
  padding: 24px;
  overflow-y: auto;
}
.mobile-panel.open { transform: translateX(0); }
.mobile-scrim {
  position: fixed; inset: 0; background: rgba(11,34,57,0.5);
  z-index: 390; opacity: 0; pointer-events: none; transition: opacity 0.3s ease;
}
.mobile-scrim.open { opacity: 1; pointer-events: auto; }
.mobile-panel .close-btn { display: flex; justify-content: flex-end; margin-bottom: 20px; }
.mobile-panel .close-btn button { background: none; border: none; width: 36px; height: 36px; }
.mobile-panel .close-btn svg { width: 22px; height: 22px; color: var(--navy); }
.mobile-panel ul { display: flex; flex-direction: column; gap: 4px; margin-bottom: 24px; }
.mobile-panel a.mlink {
  display: block; padding: 13px 10px; font-weight: 600; font-size: 1rem;
  border-bottom: 1px solid var(--border-soft); color: var(--navy);
}
.mobile-panel a.mlink.active { color: var(--blue-bright); }
.mobile-panel .mobile-cta { display: flex; flex-direction: column; gap: 12px; }

/* ---------- Hero ---------- */
.hero {
  background: var(--grad-deep);
  color: var(--white);
  overflow: hidden;
  position: relative;
  padding: 76px 0 0;
}
.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}
.hero-bg-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  transform: scale(1.04);
  animation: heroZoom 26s ease-in-out infinite alternate;
}
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(6, 33, 61, 0.96) 0%, rgba(6, 40, 74, 0.9) 32%, rgba(9, 55, 98, 0.62) 58%, rgba(14, 70, 122, 0.22) 82%);
}
@keyframes heroZoom {
  from { transform: scale(1.04); }
  to { transform: scale(1.12); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-bg-photo { animation: none; }
}

.hero-hex-decor {
  position: absolute;
  inset: 0;
  opacity: 0.5;
  pointer-events: none;
  z-index: 1;
}

.hero-v2 { padding: 0; }
.hero-inner {
  position: relative;
  z-index: 2;
  min-height: 640px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding-top: 130px;
  padding-bottom: 90px;
}
.hero-copy { max-width: 640px; }
.hero-headline {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 3.9rem);
  line-height: 1.08;
  margin-bottom: 18px;
}
.hero-headline .accent { color: #7EC4FF; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(126,196,255,0.14);
  border: 1px solid rgba(126,196,255,0.4);
  color: #D6ECFF;
  font-size: 0.92rem;
  font-weight: 600;
  padding: 9px 18px 9px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.hero-badge svg { color: #7FE0A6; flex-shrink: 0; }
.hero-copy p.lead { color: rgba(255,255,255,0.85); font-size: 1.05rem; max-width: 560px; margin-bottom: 4px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin: 28px 0 30px; }
.hero-call { display: flex; align-items: center; gap: 10px; color: var(--white); font-weight: 700; }
.hero-call svg { width: 20px; height: 20px; }

.trust-line { display: flex; flex-wrap: wrap; gap: 22px; margin-bottom: 22px; }
.trust-line span { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; font-weight: 600; color: rgba(255,255,255,0.92); }
.trust-line svg { width: 16px; height: 16px; color: #7FE0A6; flex-shrink: 0; }

.hero-disclaimer {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.55);
  max-width: 560px;
  line-height: 1.55;
}


/* ---------- Eligibility Form ---------- */
.elig-wrap {
  position: relative;
  z-index: 3;
  margin-top: 0;
  padding-top: 56px;
  padding-bottom: 40px;
}
.elig-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  overflow: hidden;
}
.elig-intro {
  position: relative;
  background: var(--grad-primary);
  color: var(--white);
  padding: 44px 38px;
  overflow: hidden;
}
.elig-intro .eyebrow, .elig-intro .eyebrow::before { color: #8fd1ff; }
.elig-intro h3 { font-size: 1.5rem; color: var(--white); }
.elig-intro p { font-size: 0.95rem; color: rgba(255,255,255,0.85); }
.elig-intro .badge-row { display: flex; flex-direction: column; gap: 10px; margin-top: 22px; }
.elig-intro .watermark {
  position: absolute; right: -30px; bottom: -30px; width: 180px; height: 180px;
  opacity: 0.12; pointer-events: none;
}
.mini-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12); color: var(--white);
  font-size: 0.8rem; font-weight: 600; padding: 9px 14px; border-radius: 999px;
  width: fit-content;
}
.mini-badge svg { width: 14px; height: 14px; color: #7fe0a6; flex-shrink: 0; }

.elig-form-panel { padding: 44px 38px; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
.field label { display: block; font-size: 0.8rem; font-weight: 700; margin-bottom: 6px; color: var(--navy); }
.field .input-wrap { position: relative; }
.field .input-wrap svg {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  width: 16px; height: 16px; color: var(--text-muted); pointer-events: none;
}
.field input, .field select {
  width: 100%;
  padding: 12px 14px 12px 40px;
  border: 1.5px solid var(--border-soft);
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--blue-bright);
  box-shadow: 0 0 0 4px rgba(18, 107, 218, 0.12);
}
.radio-row { display: flex; gap: 18px; flex-wrap: wrap; padding-top: 6px; }
.radio-row label { display: flex; align-items: center; gap: 7px; font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.radio-row input { accent-color: var(--blue-bright); width: 16px; height: 16px; }
.form-foot { display: flex; flex-direction: column; gap: 14px; margin-top: 20px; }
.form-foot .btn { width: 100%; padding: 16px 30px; font-size: 1rem; }
.form-note { font-size: 0.78rem; color: var(--text-muted); }

/* ---------- $0 Premium Section ---------- */
.premium-callout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 50px;
  align-items: center;
}
.premium-figure {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  text-align: center;
  padding: 50px 20px;
}
.premium-figure .amount {
  font-family: var(--font-heading);
  font-size: 4.2rem;
  font-weight: 800;
  background: var(--grad-primary);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  line-height: 1;
}
.premium-figure .amount sup { font-size: 1.4rem; }
.premium-figure .cap { margin-top: 10px; font-size: 0.85rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; }
.footnote { font-size: 0.78rem; color: var(--text-muted); margin-top: 18px; }

/* ---------- Cards Grid ---------- */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }

.card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card .icon-wrap {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--bg-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card .icon-wrap svg { width: 26px; height: 26px; color: var(--blue-bright); }
.card h3 { font-size: 1.08rem; margin-bottom: 8px; }
.card p { font-size: 0.9rem; margin-bottom: 0; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step .num {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--blue-bright);
  opacity: 0.85;
  margin-bottom: 10px;
  display: block;
}
.step h3 { font-size: 1.02rem; margin-bottom: 6px; }
.step p { font-size: 0.88rem; }
.step:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 20px; right: -12px;
  width: 24px; height: 2px;
  background: var(--border-soft);
}

/* ---------- Conversion Banner ---------- */
.conv-banner {
  background: var(--grad-primary);
  border-radius: var(--radius-xl);
  padding: 56px 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  color: var(--white);
  flex-wrap: wrap;
}
.conv-banner h2 { color: var(--white); font-size: clamp(1.5rem, 2.6vw, 2rem); max-width: 560px; }
.conv-banner p { color: rgba(255,255,255,0.85); max-width: 480px; }
.conv-actions { display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }

/* ---------- Why Us Split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-list { display: flex; flex-direction: column; gap: 20px; margin-top: 24px; }
.why-item { display: flex; gap: 16px; }
.why-item .ico {
  width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0;
  background: var(--bg-light); display: flex; align-items: center; justify-content: center;
}
.why-item .ico svg { width: 22px; height: 22px; color: var(--green); }
.why-item h4 { font-size: 1rem; margin-bottom: 4px; }
.why-item p { font-size: 0.9rem; margin-bottom: 0; }

.stat-panel {
  background: var(--bg-light);
  border-radius: var(--radius-xl);
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.stat-panel .stat h3 { font-family: var(--font-heading); font-size: 2.2rem; color: var(--blue-deep); margin-bottom: 2px; }
.stat-panel .stat p { font-size: 0.85rem; font-weight: 600; margin-bottom: 0; }

/* ---------- Testimonials ---------- */
.testi-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.testi-stars { display: flex; gap: 3px; margin-bottom: 14px; color: #F5A623; }
.testi-stars svg { width: 16px; height: 16px; }
.testi-card p.quote { color: var(--navy); font-size: 0.95rem; }
.testi-name { font-weight: 700; font-size: 0.88rem; color: var(--navy); }
.testi-role { font-size: 0.78rem; color: var(--text-muted); }

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--border-soft); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none;
  padding: 22px 4px; display: flex; align-items: flex-start; justify-content: space-between; gap: 16px;
  font-family: var(--font-heading); font-weight: 700; font-size: 1rem; color: var(--navy); line-height: 1.4;
}
.faq-q svg { width: 20px; height: 20px; margin-top: 2px; color: var(--blue-bright); flex-shrink: 0; transition: transform 0.25s ease; }
.faq-item.open .faq-q svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item.open .faq-a { max-height: 300px; }
.faq-a p { padding: 0 4px 22px; font-size: 0.92rem; }

/* ---------- Page Hero (interior pages) ---------- */
.page-hero {
  background: var(--grad-deep);
  color: var(--white);
  padding: 64px 0 76px;
  position: relative;
  overflow: hidden;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero-minimal { padding: 56px 0 48px; }
.page-hero-minimal .lead { color: rgba(255,255,255,0.65); font-size: 0.9rem; }

.legal-list { list-style: disc; padding-left: 22px; color: var(--text-muted); line-height: 1.8; margin: 0 0 1.4em; }
.legal-list li { margin-bottom: 6px; }
.legal-list strong { color: var(--navy); }
.breadcrumb { font-size: 0.82rem; color: rgba(255,255,255,0.7); margin-bottom: 16px; display: flex; gap: 8px; align-items: center; }
.breadcrumb a:hover { color: var(--white); }
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 3.4vw, 2.8rem); max-width: 720px; }
.page-hero p.lead { color: rgba(255,255,255,0.85); max-width: 620px; font-size: 1.05rem; }
.page-hero .hero-ctas { margin-top: 24px; }

.photo-banner {
  padding-top: 44px;
}
.photo-banner img {
  width: 100%;
  max-height: 440px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
}

.hero-health-note {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 20px;
  padding: 10px 18px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 999px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.92);
}
.hero-health-note svg { width: 16px; height: 16px; color: #7fe0a6; flex-shrink: 0; }
.hero-health-note a { color: #8fd1ff; font-weight: 700; text-decoration: underline; }

/* ---------- Footer ---------- */
.footer { background: var(--blue-deep-dark); color: rgba(255,255,255,0.75); padding-top: 72px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 0.8fr 0.8fr 1.1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-brand .logo-text .name { color: var(--white); }
.footer-brand .logo-text .tag { color: rgba(255,255,255,0.6); }
.footer-brand p { color: rgba(255,255,255,0.65); font-size: 0.9rem; margin-top: 16px; max-width: 320px; }
.footer h5 { color: var(--white); font-family: var(--font-heading); font-size: 0.92rem; margin-bottom: 18px; text-transform: uppercase; letter-spacing: 0.06em; }
.footer ul li { margin-bottom: 11px; }
.footer ul a { font-size: 0.9rem; color: rgba(255,255,255,0.7); }
.footer ul a:hover { color: var(--white); }
.footer .contact-item { display: flex; gap: 10px; margin-bottom: 14px; font-size: 0.9rem; }
.footer .contact-item svg { width: 17px; height: 17px; color: var(--blue-bright); flex-shrink: 0; margin-top: 2px; }
.social-row { display: flex; gap: 10px; margin-top: 18px; }
.social-row a { width: 36px; height: 36px; border-radius: 999px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; }
.social-row a:hover { background: var(--blue-bright); }
.social-row svg { width: 16px; height: 16px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding: 26px 0; font-size: 0.8rem; color: rgba(255,255,255,0.55); flex-wrap: wrap; gap: 12px; }
.footer-bottom a { color: rgba(255,255,255,0.55); }
.footer-bottom a:hover { color: var(--white); }
.footer-legal { font-size: 0.76rem; color: rgba(255,255,255,0.45); line-height: 1.7; padding-bottom: 26px; max-width: 980px; }

/* ---------- Sticky mobile call bar ---------- */
.mobile-callbar {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 250;
  background: var(--white); box-shadow: 0 -4px 20px rgba(11,34,57,0.15);
  padding: 10px 16px; gap: 10px;
}
.mobile-callbar a { flex: 1; }

/* ---------- Scroll Reveal Animations ---------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1), transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal-visible { opacity: 1; transform: translateY(0); }
.grid-2 > .reveal:nth-child(2), .grid-3 > .reveal:nth-child(2), .grid-4 > .reveal:nth-child(2), .steps > .reveal:nth-child(2) { transition-delay: 90ms; }
.grid-2 > .reveal:nth-child(3), .grid-3 > .reveal:nth-child(3), .grid-4 > .reveal:nth-child(3), .steps > .reveal:nth-child(3) { transition-delay: 180ms; }
.grid-3 > .reveal:nth-child(4), .grid-4 > .reveal:nth-child(4), .steps > .reveal:nth-child(4) { transition-delay: 270ms; }
.grid-3 > .reveal:nth-child(5), .grid-4 > .reveal:nth-child(5) { transition-delay: 360ms; }
.grid-3 > .reveal:nth-child(6), .grid-4 > .reveal:nth-child(6) { transition-delay: 450ms; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Section head paired with a photo ---------- */
.section-head-media {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 44px;
  align-items: center;
  margin-bottom: 48px;
}
.section-head-media .section-head { margin-bottom: 0; max-width: none; }
.head-photo img {
  width: 100%;
  height: 260px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  display: block;
}

/* ---------- Testimonial person row ---------- */
.testi-person { display: flex; align-items: center; gap: 12px; margin-top: 6px; }
.testi-avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; flex-shrink: 0; box-shadow: var(--shadow-sm); }

/* ---------- Photo-backed CTA sections ---------- */
.conv-banner {
  background-image: linear-gradient(135deg, rgba(6, 54, 95, 0.93) 0%, rgba(18, 107, 218, 0.85) 100%), url("../img/hero-bg-cta.jpg");
  content-visibility: auto;
  contain-intrinsic-size: 1px 400px;
  background-size: cover;
  background-position: center 55%;
}
.bg-deep-photo {
  background-image: linear-gradient(135deg, rgba(6, 54, 95, 0.92) 0%, rgba(14, 70, 122, 0.85) 55%, rgba(18, 107, 218, 0.8) 100%), url("../img/hero-family.jpg");
  background-size: cover;
  background-position: center 25%;
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.flex-center { display: flex; align-items: center; justify-content: center; }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 960px) {
  .hero-inner { min-height: 0; padding-top: 110px; padding-bottom: 60px; }
}
@media (max-width: 1080px) {
  .elig-wrap { margin-top: 0; padding-top: 48px; }
  .elig-card { grid-template-columns: 1fr; }
  .premium-callout { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .section-head-media { grid-template-columns: 1fr; gap: 28px; }
  .head-photo img { height: 220px; }
  .footer-grid { grid-template-columns: 1fr 1fr; row-gap: 40px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 36px; }
  .step:nth-child(2)::after { display: none; }
}
@media (max-width: 860px) {
  .logo-img { height: 38px; }
  .nav-links, .nav-phone, .topbar-right { display: none; }
  .nav-toggle { display: flex; }
  .nav-cta .btn-secondary { display: none; }
  .conv-banner { flex-direction: column; text-align: center; }
  .conv-actions { align-items: center; }
}
@media (max-width: 720px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .stat-panel { grid-template-columns: 1fr 1fr; padding: 28px; }
  .conv-banner { padding: 40px 28px; }
  .elig-card { padding: 28px 22px; }
  .mobile-callbar { display: flex; }
  body { padding-bottom: 64px; }
  .footer-grid { grid-template-columns: 1fr; }
  .topbar .container { justify-content: center; }
  .section { padding: 60px 0; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .step::after { display: none !important; }
}