/* ==========================================================================
   Design tokens
   Direction: established Spanish insurance company — white backgrounds,
   strong blue as the principal colour, warm amber/coral accents, clear
   conventional typography, icon-led sections. Inspired by the *feeling* of
   real Spanish insurer sites (MGS and similar) — no copied assets, colours
   sampled or layout.
   ========================================================================== */

:root {
  /* Colour: blue family (principal) */
  --color-blue-900: #0A2C54;   /* deepest blue — footer, top bar */
  --color-blue-800: #0C3868;
  --color-blue-700: #0F4C86;   /* primary brand blue — headings, links */
  --color-blue-600: #1465AC;   /* interactive blue — buttons, hover */
  --color-blue-500: #1E7AC9;
  --color-blue-100: #E6F0FA;   /* pale blue section backgrounds */
  --color-blue-50:  #F4F8FC;

  /* Colour: warm accent family */
  --color-amber-600: #DC7A26;  /* primary warm accent — CTA, highlights */
  --color-amber-700: #C4671A;
  --color-amber-100: #FCEBD8;

  --color-coral-600: #D9573F;  /* secondary warm accent — used sparingly */
  --color-coral-100: #FBE4DF;

  --color-teal-600: #1E8A72;   /* success / confirmation */
  --color-teal-100: #E1F3EE;

  /* Neutrals */
  --color-ink: #16233A;        /* headings */
  --color-ink-soft: #4B5A72;   /* body text */
  --color-white: #FFFFFF;
  --color-bg-alt: #F5F8FC;     /* alternating section background (cool, not beige) */
  --color-border: #E1E7F0;
  --color-border-strong: #C7D3E3;

  /* Type */
  --font-heading: 'Roboto', 'Helvetica Neue', Arial, sans-serif;
  --font-body: 'Roboto', 'Helvetica Neue', Arial, sans-serif;

  /* Layout */
  --max-width: 1200px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(10, 44, 84, 0.08);
  --shadow-md: 0 10px 28px rgba(10, 44, 84, 0.12), 0 2px 8px rgba(10, 44, 84, 0.06);

  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.6rem;
  --space-lg: 2.6rem;
  --space-xl: 3.75rem;
}

/* ==========================================================================
   Reset / base
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--color-ink-soft);
  background: var(--color-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-ink);
  margin: 0 0 var(--space-sm);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2rem, 4vw, 2.85rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }

p { margin: 0 0 var(--space-sm); }

ul, ol { color: var(--color-ink-soft); }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.eyebrow {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-amber-700);
  display: inline-block;
  margin-bottom: var(--space-xs);
}

.section { padding: var(--space-xl) 0; }
.section--tight { padding: var(--space-lg) 0; }
.section--alt { background: var(--color-bg-alt); }
.section--blue {
  background: var(--color-blue-700);
  color: rgba(255, 255, 255, 0.92);
}
.section--blue h2, .section--blue h3 { color: var(--color-white); }
.section--blue p { color: rgba(255, 255, 255, 0.82); }

.section-head { max-width: 640px; margin: 0 0 var(--space-lg); }
.section-head.text-center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { font-size: 1.02rem; }

:focus-visible {
  outline: 3px solid var(--color-amber-600);
  outline-offset: 2px;
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.96rem;
  padding: 0.85rem 1.7rem;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background-color 0.15s ease, border-color 0.15s ease;
  line-height: 1.2;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-amber-600);
  color: var(--color-white);
}
.btn-primary:hover {
  background: var(--color-amber-700);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-blue {
  background: var(--color-blue-700);
  color: var(--color-white);
}
.btn-blue:hover {
  background: var(--color-blue-800);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-secondary {
  background: var(--color-white);
  color: var(--color-blue-700);
  border-color: var(--color-blue-700);
}
.btn-secondary:hover {
  background: var(--color-blue-50);
}

.btn-outline-light {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.55);
}
.btn-outline-light:hover { background: rgba(255, 255, 255, 0.1); }

.btn-block { width: 100%; }

.btn[disabled] { opacity: 0.6; cursor: not-allowed; transform: none !important; }

/* ==========================================================================
   Top utility bar + header / navigation
   ========================================================================== */

.top-bar {
  background: var(--color-blue-900);
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.82rem;
}

.top-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 0.45rem;
  padding-bottom: 0.45rem;
  gap: 1rem;
}

.top-bar__msg {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  min-width: 0;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  flex: 1 1 auto;
}

.top-bar__msg svg { width: 15px; height: 15px; flex-shrink: 0; }

.top-bar__right {
  display: flex;
  align-items: center;
  gap: 1.2rem;
  flex-shrink: 0;
}

.lang-switcher {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.lang-switcher a {
  color: rgba(255, 255, 255, 0.62);
  text-decoration: none;
  padding: 0.1rem 0.05rem;
}

.lang-switcher a:hover { color: var(--color-white); }

.lang-switcher a[aria-current="true"] {
  color: var(--color-white);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--color-amber-600);
  text-decoration-thickness: 2px;
}

.lang-switcher span {
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.72rem;
}

.top-bar__links {
  display: flex;
  gap: 1.2rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.top-bar__links a { color: rgba(255, 255, 255, 0.85); text-decoration: none; }
.top-bar__links a:hover { color: var(--color-white); text-decoration: underline; }

@media (max-width: 700px) {
  .top-bar__links { display: none; }
  .top-bar__msg { display: none; }
  .top-bar .container { justify-content: flex-end; }
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 2rem;
  padding: 0.85rem 1.5rem;
  max-width: var(--max-width);
  margin: 0 auto;
}

.brand {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  font-weight: 800;
  text-decoration: none;
  color: var(--color-blue-700);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  letter-spacing: -0.01em;
}

.brand .brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--color-blue-700);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.brand .brand-mark svg { width: 19px; height: 19px; }

.brand .brand-sub {
  font-family: var(--font-body);
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-amber-700);
  display: block;
  margin-top: 0.1rem;
}

.brand-text { display: flex; flex-direction: column; line-height: 1.05; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.8rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links li {
  text-align: center;
}

.nav-links a {
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--color-ink);
  padding: 0.3rem 0;
  border-bottom: 2px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
  display: inline-block;
}

.nav-links a:hover { color: var(--color-blue-700); }

.nav-links a[aria-current="page"] {
  color: var(--color-blue-700);
  border-bottom-color: var(--color-amber-600);
  font-weight: 700;
}

.nav-cta { display: flex; align-items: center; gap: 1.4rem; flex-shrink: 0; margin-left: auto; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.4rem;
  color: var(--color-blue-700);
}

.nav-toggle svg { width: 26px; height: 26px; }

@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
}

.mobile-menu {
  display: none;
  border-top: 1px solid var(--color-border);
  background: var(--color-white);
}

.mobile-menu.is-open { display: block; }

.mobile-menu ul {
  list-style: none;
  margin: 0;
  padding: 1rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}

.mobile-menu a {
  text-decoration: none;
  color: var(--color-ink);
  font-size: 1.05rem;
  font-weight: 500;
}

.mobile-menu .btn { margin-top: 0.5rem; }

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  padding: var(--space-xl) 0 var(--space-lg);
  background: linear-gradient(180deg, var(--color-blue-50) 0%, var(--color-white) 78%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-lg);
  align-items: center;
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
}

.hero h1 { margin-bottom: var(--space-sm); }
.hero h1 .accent { color: var(--color-amber-600); }

.hero-lede { font-size: 1.12rem; max-width: 48ch; }

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: var(--space-md);
}

.hero-note {
  margin-top: var(--space-md);
  font-size: 0.86rem;
  color: var(--color-ink-soft);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.hero-note svg { width: 16px; height: 16px; color: var(--color-teal-600); flex-shrink: 0; }

/* ---- Hero visual: real photography, replacing the earlier icon collage ---- */

.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 360px;
}

.hero-photo-card {
  position: relative;
  width: 100%;
  max-width: 440px;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--color-blue-100); /* visible briefly while the image decodes */
}

.hero-photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 35%;
  display: block;
}

.advisor-badge {
  position: absolute;
  left: -1.2rem;
  bottom: -1.2rem;
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  padding: 0.9rem 1.1rem;
  display: flex;
  align-items: center;
  gap: 0.7rem;
  max-width: 260px;
}

@media (max-width: 500px) {
  .advisor-badge { left: 0.5rem; bottom: -1rem; padding: 0.7rem 0.9rem; }
}

.advisor-badge__icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--color-teal-100);
  color: var(--color-teal-600);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.advisor-badge__icon svg { width: 20px; height: 20px; }

.advisor-badge__text { font-size: 0.8rem; line-height: 1.35; }
.advisor-badge__text strong { display: block; font-size: 0.86rem; color: var(--color-ink); }

/* ---- Category-page photo (car / home / life / business page headers) ---- */

.page-header-photo-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: var(--space-lg);
  align-items: center;
}

@media (max-width: 900px) {
  .page-header-photo-layout {
    grid-template-columns: 1fr;
    gap: var(--space-md);
  }
}

.category-photo-card {
  width: 100%;
  max-width: 460px;
  aspect-ratio: 4 / 3;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--color-blue-100);
  justify-self: end;
}

@media (max-width: 900px) {
  .category-photo-card { max-width: 100%; justify-self: stretch; }
}

.category-photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}

/* ---- Life insurance: dedicated, taller treatment ----
   The source photo is a portrait shot (an expecting couple sitting
   together), and forcing it into the same 4:3 landscape crop used for
   the other category pages cut away too much context — the pregnancy/
   future-family framing that's the whole reason this photo was chosen.
   A taller, closer-to-portrait card shows much more of the original
   frame, so cropping can be gentler. */
.category-photo-card.role-life {
  aspect-ratio: 3 / 4;
  max-width: 380px;
}

@media (max-width: 900px) {
  .category-photo-card.role-life { max-width: 320px; justify-self: center; }
}

.category-photo-card.role-life img {
  object-position: 50% 30%;
}

/* The business-insurance subject sits right-of-centre in the source
   photo; a plain centre crop clips too closely to her. */
.category-photo-card.role-business img {
  object-position: 65% 35%;
}

/* ==========================================================================
   Trust strip
   ========================================================================== */

.trust-strip {
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-white);
}

.trust-strip .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1.2rem;
  padding-top: var(--space-md);
  padding-bottom: var(--space-md);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  flex: 1 1 220px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--color-ink);
}

.trust-item svg {
  width: 24px;
  height: 24px;
  color: var(--color-blue-700);
  flex-shrink: 0;
}

/* ==========================================================================
   Cards / grids
   ========================================================================== */

.grid { display: grid; gap: var(--space-md); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-5 { grid-template-columns: repeat(5, 1fr); }

@media (max-width: 900px) {
  .grid-3, .grid-4, .grid-5 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .grid-3, .grid-4, .grid-5, .grid-2 { grid-template-columns: 1fr; }
}

.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  transition: box-shadow 0.15s ease, transform 0.15s ease, border-color 0.15s ease;
}

a.card { text-decoration: none; display: block; color: inherit; }

a.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--color-blue-500);
}

.card__icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--color-blue-700);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
}

.card__icon svg { width: 24px; height: 24px; }

.card__icon--amber { background: var(--color-amber-600); }
.card__icon--coral { background: var(--color-coral-600); }
.card__icon--teal { background: var(--color-teal-600); }

.card h3 { margin-bottom: 0.4rem; }
.card p { margin-bottom: 0; font-size: 0.95rem; }

.card__link {
  margin-top: var(--space-sm);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-blue-700);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

/* ==========================================================================
   Steps ("how it works")
   ========================================================================== */

.steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-md);
}

@media (max-width: 1000px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 620px) {
  .steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 420px) {
  .steps { grid-template-columns: 1fr; }
}

.step {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-sm);
  position: relative;
}

.step__number {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--color-blue-700);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
}

.step--optional .step__number { background: var(--color-amber-600); }

.step__head {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: var(--space-sm);
}

.step__head .step__number { margin-bottom: 0; }

.step__tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: var(--color-amber-100);
  color: var(--color-amber-700);
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
  line-height: 1;
}

.step h3 { font-size: 1rem; margin-bottom: 0.35rem; }
.step p { font-size: 0.9rem; margin-bottom: 0; }

/* ==========================================================================
   Feature list ("why use this service")
   ========================================================================== */

.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-md) var(--space-lg);
}

@media (max-width: 700px) {
  .feature-list { grid-template-columns: 1fr; }
}

.feature { display: flex; gap: 0.9rem; align-items: flex-start; }

.feature__icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--color-blue-100);
  color: var(--color-blue-700);
  display: flex;
  align-items: center;
  justify-content: center;
}

.feature__icon svg { width: 20px; height: 20px; }

.feature h3 { font-size: 1rem; margin-bottom: 0.2rem; }
.feature p { font-size: 0.92rem; margin-bottom: 0; }

/* ==========================================================================
   Intermediary / "not an insurance company" band
   ========================================================================== */

.intermediary-band {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: var(--space-lg);
  align-items: center;
}

@media (max-width: 900px) {
  .intermediary-band { grid-template-columns: 1fr; }
}

.intermediary-visual {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
}

.flow-row {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  padding: 0.7rem 0;
  border-bottom: 1px dashed rgba(255, 255, 255, 0.2);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--color-white);
}

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

.flow-row__icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--color-amber-600);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.flow-row__icon svg { width: 16px; height: 16px; color: var(--color-white); }

.intermediary-band ul {
  list-style: none;
  margin: var(--space-sm) 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.intermediary-band li {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.95rem;
}

.intermediary-band li svg {
  width: 18px;
  height: 18px;
  color: var(--color-amber-600);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

/* ==========================================================================
   CTA band
   ========================================================================== */

.cta-band {
  background: var(--color-blue-700);
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-align: center;
}

.cta-band h2 { color: var(--color-white); }
.cta-band p { color: rgba(255, 255, 255, 0.85); max-width: 50ch; margin: 0 auto var(--space-sm); }

/* ==========================================================================
   Page header (interior pages)
   ========================================================================== */

.page-header {
  padding: var(--space-lg) 0 var(--space-md);
  background: var(--color-blue-50);
  border-bottom: 1px solid var(--color-border);
}

.page-header-inner {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.page-header-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--color-blue-700);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.page-header-icon svg { width: 28px; height: 28px; }

.page-header .eyebrow { margin-bottom: var(--space-xs); }
.page-header p { font-size: 1.05rem; max-width: 60ch; margin-bottom: 0; }

.breadcrumb {
  font-size: 0.8rem;
  color: var(--color-ink-soft);
  margin-bottom: var(--space-sm);
}

.breadcrumb a { color: var(--color-blue-700); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* ==========================================================================
   Content layout (insurance detail pages)
   ========================================================================== */

.content-layout {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: var(--space-lg);
  align-items: start;
}

@media (max-width: 900px) {
  .content-layout { grid-template-columns: 1fr; }
}

.content-block { max-width: 68ch; }
.content-block h2 { margin-top: var(--space-lg); }
.content-block h2:first-child { margin-top: 0; }
.content-block ul, .content-block ol { padding-left: 1.2rem; }
.content-block li { margin-bottom: 0.5rem; }

.side-card {
  background: var(--color-blue-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  position: sticky;
  top: 100px;
}

.side-card h3 { margin-bottom: 0.5rem; }
.side-card p { font-size: 0.92rem; }

.side-card__icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--color-blue-700);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
}
.side-card__icon svg { width: 22px; height: 22px; }

.coverage-note {
  margin-top: var(--space-md);
  padding-top: var(--space-sm);
  border-top: 1px solid var(--color-border);
  font-size: 0.82rem;
  color: var(--color-ink-soft);
}

/* ==========================================================================
   Forms (quote page)
   ========================================================================== */

.form-wrap {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  padding: var(--space-lg);
}

@media (max-width: 620px) {
  .form-wrap { padding: var(--space-md); }
}

.form-row { margin-bottom: var(--space-md); }

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

@media (max-width: 620px) {
  .form-grid { grid-template-columns: 1fr; }
}

label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--color-ink);
}

.label-hint { font-weight: 400; color: var(--color-ink-soft); font-size: 0.82rem; }

input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 0.8rem 0.9rem;
  border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

input:focus, select:focus, textarea:focus {
  border-color: var(--color-blue-700);
  box-shadow: 0 0 0 3px rgba(15, 76, 134, 0.12);
}

textarea { resize: vertical; min-height: 110px; }

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.88rem;
  color: var(--color-ink-soft);
}

.checkbox-row input { margin-top: 0.25rem; width: 16px; height: 16px; flex-shrink: 0; }
.checkbox-row label { font-weight: 400; margin-bottom: 0; }
.checkbox-row a { color: var(--color-blue-700); }

.field-error { color: var(--color-coral-600); font-size: 0.82rem; margin-top: 0.3rem; display: none; }

.form-row.has-error input,
.form-row.has-error select,
.form-row.has-error textarea { border-color: var(--color-coral-600); }

.form-row.has-error .field-error { display: block; }

.honeypot-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.type-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(108px, 1fr));
  gap: 0.7rem;
}

@media (max-width: 560px) {
  .type-grid { grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
}

.type-chip { position: relative; }

.type-chip input {
  position: absolute;
  opacity: 0;
  inset: 0;
  cursor: pointer;
  width: 100%;
  height: 100%;
  margin: 0;
  z-index: 2;
}

.type-chip-card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  text-align: center;
  padding: 1rem 0.5rem 0.85rem;
  border: 2px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  background: var(--color-white);
  transition: border-color 0.15s ease, background-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}

.type-chip-icon {
  width: 34px;
  height: 34px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-blue-700);
  transition: color 0.15s ease;
}

.type-chip-icon svg { width: 26px; height: 26px; }

.type-chip-label {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--color-ink);
  transition: color 0.15s ease;
  line-height: 1.15;
}

.type-chip-check {
  position: absolute;
  top: -8px;
  right: -8px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-teal-600);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transform: scale(0.6);
  transition: opacity 0.15s ease, transform 0.15s ease;
  box-shadow: 0 1px 3px rgba(10, 44, 84, 0.25);
}

.type-chip-check svg { width: 13px; height: 13px; }

.type-chip input:hover + .type-chip-card {
  border-color: var(--color-blue-500);
}

.type-chip input:checked + .type-chip-card {
  border-color: var(--color-blue-700);
  background: var(--color-blue-700);
  box-shadow: var(--shadow-sm);
}

.type-chip input:checked + .type-chip-card .type-chip-icon,
.type-chip input:checked + .type-chip-card .type-chip-label {
  color: var(--color-white);
}

.type-chip input:checked + .type-chip-card .type-chip-check {
  opacity: 1;
  transform: scale(1);
}

.type-chip input:focus-visible + .type-chip-card {
  outline: 3px solid var(--color-amber-600);
  outline-offset: 2px;
}

.type-grid-error {
  color: var(--color-coral-600);
  font-size: 0.85rem;
  font-weight: 600;
  margin-top: 0.6rem;
  display: none;
}

.type-grid-error.is-visible { display: block; }

/* ---- Single-select choice group (e.g. "Are you already insured?") ---- */

.choice-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.choice-chip { position: relative; }

.choice-chip input {
  position: absolute;
  opacity: 0;
  inset: 0;
  cursor: pointer;
  width: 100%;
  height: 100%;
  margin: 0;
  z-index: 2;
}

.choice-chip-card {
  display: inline-flex;
  align-items: center;
  padding: 0.6rem 1.3rem;
  border: 2px solid var(--color-border-strong);
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-ink-soft);
  background: var(--color-white);
  transition: all 0.15s ease;
}

.choice-chip input:checked + .choice-chip-card {
  border-color: var(--color-blue-700);
  background: var(--color-blue-700);
  color: var(--color-white);
}

.choice-chip input:focus-visible + .choice-chip-card {
  outline: 3px solid var(--color-amber-600);
  outline-offset: 2px;
}

/* ---- Conditional follow-up questions ---- */

.conditional-question {
  display: none;
  background: var(--color-blue-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.9rem 1rem;
  margin-top: 0.7rem;
}

.conditional-question.is-visible { display: block; }

.conditional-question label {
  font-size: 0.85rem;
  margin-bottom: 0.5rem;
}

.conditional-question .choice-group { gap: 0.5rem; }
.conditional-question .choice-chip-card { padding: 0.5rem 1.1rem; font-size: 0.85rem; }

.already-insured-note {
  display: none;
  align-items: flex-start;
  gap: 0.6rem;
  background: var(--color-teal-100);
  border: 1px solid var(--color-teal-600);
  border-radius: var(--radius-sm);
  padding: 0.8rem 1rem;
  margin-top: 0.8rem;
  font-size: 0.86rem;
  color: #17594A;
}

.already-insured-note.is-visible { display: flex; }

.already-insured-note svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 0.1rem;
  color: var(--color-teal-600);
}

/* ---- Upload existing policy section ---- */

.upload-section {
  display: none;
  margin-top: 1rem;
  background: var(--color-blue-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-md);
}

.upload-section.is-visible { display: block; }

.upload-section__header { display: flex; align-items: flex-start; gap: 0.7rem; margin-bottom: 0.9rem; }

.upload-section__icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--color-blue-700);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.upload-section__icon svg { width: 20px; height: 20px; }

.upload-section__header h3 { font-size: 1.02rem; margin-bottom: 0.2rem; }
.upload-section__header p { font-size: 0.88rem; margin-bottom: 0; }

.upload-badge {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: var(--color-amber-100);
  color: var(--color-amber-700);
  padding: 0.15rem 0.5rem;
  border-radius: 999px;
  margin-bottom: 0.35rem;
}

.upload-dropzone {
  position: relative;
  border: 2px dashed var(--color-border-strong);
  border-radius: var(--radius-md);
  background: var(--color-white);
  padding: 1.6rem 1rem;
  text-align: center;
  transition: border-color 0.15s ease, background-color 0.15s ease;
}

.upload-dropzone.is-dragover {
  border-color: var(--color-blue-700);
  background: var(--color-blue-100);
}

.upload-dropzone input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  width: 100%;
  height: 100%;
  cursor: pointer;
}

.upload-dropzone__icon {
  width: 40px;
  height: 40px;
  margin: 0 auto 0.6rem;
  color: var(--color-blue-700);
}

.upload-dropzone__icon svg { width: 100%; height: 100%; }

.upload-dropzone__text { font-size: 0.92rem; font-weight: 600; color: var(--color-ink); margin-bottom: 0.2rem; }
.upload-dropzone__text span { color: var(--color-blue-700); text-decoration: underline; }

.upload-dropzone__hint { font-size: 0.78rem; color: var(--color-ink-soft); }

.upload-limits {
  font-size: 0.78rem;
  color: var(--color-ink-soft);
  margin-top: 0.6rem;
  text-align: center;
}

.upload-file-list {
  list-style: none;
  margin: 0.9rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.upload-file-row {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.55rem 0.75rem;
}

.upload-file-row__icon {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  background: var(--color-blue-100);
  color: var(--color-blue-700);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.upload-file-row__icon svg { width: 15px; height: 15px; }

.upload-file-row__name {
  flex: 1;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-ink);
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.upload-file-row__size { font-size: 0.78rem; color: var(--color-ink-soft); flex-shrink: 0; }

.upload-file-row__remove {
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-coral-600);
  padding: 0.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border-radius: 4px;
}

.upload-file-row__remove:hover { background: var(--color-coral-100); }
.upload-file-row__remove svg { width: 16px; height: 16px; }

.upload-error {
  color: var(--color-coral-600);
  font-size: 0.82rem;
  margin-top: 0.6rem;
  display: none;
}

.upload-error.is-visible { display: block; }

/* ---- Dev-only email preview link (shown only in EMAIL_MODE=ethereal) ---- */

.turnstile-dev-note {
  display: none;
  font-size: 0.78rem;
  color: var(--color-ink-soft);
  background: var(--color-bg-alt);
  border: 1px dashed var(--color-border-strong);
  border-radius: var(--radius-sm);
  padding: 0.6rem 0.85rem;
  margin: 0;
}

.turnstile-dev-note.is-visible { display: block; }
.turnstile-dev-note code { font-size: 0.75rem; }

/* ---- Reassurance list on the quote page ---- */

.quote-reassurance {
  list-style: none;
  margin: var(--space-sm) 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem 1.4rem;
}

.quote-reassurance li {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-ink-soft);
}

.quote-reassurance svg {
  width: 16px;
  height: 16px;
  color: var(--color-teal-600);
  flex-shrink: 0;
}

/* ---- Selected-types summary shown in the success panel ---- */

.selected-types-summary {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 0.8rem;
}

.selected-type-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.85rem;
  border-radius: 999px;
  background: var(--color-white);
  border: 1px solid var(--color-teal-600);
  color: #17594A;
  font-size: 0.82rem;
  font-weight: 700;
}

.optional-docs-note {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  background: var(--color-blue-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  font-size: 0.86rem;
  color: var(--color-ink-soft);
  margin-bottom: var(--space-md);
}

.optional-docs-note svg {
  width: 20px;
  height: 20px;
  color: var(--color-blue-700);
  flex-shrink: 0;
  margin-top: 0.1rem;
}

#form-status { margin-top: var(--space-md); }

/* ---- "What happens next?" — small, modest, not a heavy new section ---- */

.whats-next {
  margin: var(--space-md) 0;
  padding: 0.85rem 1rem;
  background: var(--color-blue-50);
  border-radius: var(--radius-sm);
}

.whats-next h3 {
  font-size: 0.9rem;
  margin-bottom: 0.25rem;
}

.whats-next p {
  font-size: 0.85rem;
  color: var(--color-ink-soft);
  margin-bottom: 0;
}

.status-box { border-radius: var(--radius-md); padding: var(--space-md); display: none; }
.status-box.is-visible { display: block; }

.status-box--success { background: var(--color-teal-100); border: 1px solid var(--color-teal-600); }
.status-box--success h3 { color: var(--color-teal-600); margin-bottom: 0.4rem; }
.status-box--success p { color: #17594A; margin-bottom: 0; }

.status-box--error { background: var(--color-coral-100); border: 1px solid var(--color-coral-600); }
.status-box--error h3 { color: var(--color-coral-600); margin-bottom: 0.4rem; }
.status-box--error p { color: #7A3226; margin-bottom: 0.3rem; }
.status-box--error ul { margin: 0; padding-left: 1.1rem; color: #7A3226; }

.quote-intro { max-width: 640px; margin: 0 auto var(--space-lg); text-align: center; }

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq-list { max-width: 780px; border-top: 1px solid var(--color-border); }
.faq-item { border-bottom: 1px solid var(--color-border); }

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  padding: 1.3rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--color-ink);
}

.faq-question .icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  color: var(--color-blue-700);
  transition: transform 0.2s ease;
}

.faq-item.is-open .faq-question .icon { transform: rotate(45deg); }

.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.25s ease; }

.faq-answer-inner {
  padding-bottom: 1.3rem;
  font-size: 0.96rem;
  color: var(--color-ink-soft);
  max-width: 65ch;
}

/* ==========================================================================
   Legal pages
   ========================================================================== */

.legal-block { max-width: 72ch; }
.legal-block h2 { margin-top: var(--space-lg); font-size: 1.3rem; }

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
  background: var(--color-blue-900);
  color: rgba(255, 255, 255, 0.75);
  margin-top: var(--space-xl);
}

.footer-grid {
  padding: var(--space-lg) 0 var(--space-md);
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: var(--space-md);
}

@media (max-width: 900px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-white);
  margin-bottom: 0.7rem;
}

.footer-brand .brand-mark {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--color-amber-600);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.footer-brand .brand-mark svg { width: 17px; height: 17px; }

.footer-grid > div > p { color: rgba(255, 255, 255, 0.6); font-size: 0.88rem; max-width: 32ch; }

.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 0.9rem;
}

.footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 0.6rem; }

.footer-col a { color: rgba(255, 255, 255, 0.82); text-decoration: none; font-size: 0.92rem; }
.footer-col a:hover { color: var(--color-white); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.3rem 0 1.6rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.6rem;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
}

/* ==========================================================================
   Utilities
   ========================================================================== */

.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}