/* ============================================
   Phoenix Legacy Life — Design System
   ============================================ */

:root {
  --color-navy: #0a1f3d;
  --color-navy-light: #122847;
  --color-navy-mid: #0e2442;
  --color-cream: #f8f4ec;
  --color-white: #ffffff;
  --color-gold: #c9a227;
  --color-gold-light: #e8c84a;
  --color-gold-dark: #a68518;
  --color-gold-muted: #f5e6b8;
  --color-flame: #e85d24;
  --color-flame-dark: #c44a18;
  --color-flame-light: #f5b731;
  --color-brown: #6b4423;
  --color-brown-light: #8b5e34;
  --color-sage: #4a7c6f;
  --color-sage-light: #e8f2ef;
  --color-gray-100: #f4f4f6;
  --color-gray-200: #e8e8ec;
  --color-gray-400: #9a9aad;
  --color-gray-600: #5c5c6f;
  --color-gray-800: #2d2d3a;

  --color-text: rgba(255, 255, 255, 0.92);
  --color-text-muted: rgba(255, 255, 255, 0.62);
  --color-border-dark: rgba(255, 255, 255, 0.1);
  --color-border-gold: rgba(201, 162, 39, 0.4);

  --font-sans: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-serif: 'Fraunces', Georgia, serif;

  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.2);
  --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.25);
  --shadow-lg: 0 12px 40px rgba(0, 0, 0, 0.3);
  --shadow-xl: 0 20px 60px rgba(0, 0, 0, 0.35);

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;

  --header-height: 72px;
  --transition: 0.2s ease;
}

/* Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-height) + 24px);
}

body {
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-navy);
  -webkit-font-smoothing: antialiased;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

button {
  font: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

em {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--color-gold-light);
}

/* Layout */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--narrow {
  max-width: 760px;
}

/* Typography */
.eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 12px;
}

.section__header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section__header h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section__header h2::after {
  content: '';
  display: block;
  width: 48px;
  height: 3px;
  margin: 16px auto 0;
  background: linear-gradient(90deg, var(--color-gold-dark), var(--color-gold-light));
  border-radius: 2px;
}

.section__subtitle {
  font-size: 1.125rem;
  color: var(--color-text-muted);
}

.section__cta {
  text-align: center;
  margin-top: 48px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  white-space: nowrap;
}

.btn--sm {
  padding: 10px 20px;
  font-size: 0.875rem;
}

.btn--lg {
  padding: 16px 32px;
  font-size: 1rem;
}

.btn--full {
  width: 100%;
}

.btn--primary {
  background: linear-gradient(135deg, var(--color-gold-light) 0%, var(--color-gold) 55%, var(--color-gold-dark) 100%);
  color: var(--color-navy);
  box-shadow: 0 2px 12px rgba(201, 162, 39, 0.3);
}

.btn--primary:hover {
  background: linear-gradient(135deg, var(--color-flame-light) 0%, var(--color-flame) 55%, var(--color-flame-dark) 100%);
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(232, 93, 36, 0.35);
}

.btn--outline {
  padding: 12px 24px;
  border: 2px solid var(--color-gold);
  color: var(--color-navy);
  font-size: 0.9375rem;
}

.btn--outline:hover {
  background: var(--color-navy);
  border-color: var(--color-gold);
  color: var(--color-gold-light);
}

.btn--white {
  background: var(--color-white);
  color: var(--color-navy);
  border: 2px solid var(--color-gold);
}

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

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-gold);
  transition: gap var(--transition);
}

.link-arrow:hover {
  gap: 10px;
}

/* Header */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--header-height);
  background: rgba(10, 31, 61, 0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.header--scrolled {
  border-bottom-color: var(--color-border-gold);
  box-shadow: var(--shadow-sm);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--color-gold-light);
  flex-shrink: 0;
}

.logo__icon {
  flex-shrink: 0;
  display: block;
  border-radius: 50%;
}

.nav__list {
  display: flex;
  gap: 32px;
}

.nav__list a {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-text-muted);
  transition: color var(--transition);
}

.nav__list a:hover {
  color: var(--color-gold-light);
}

.header__actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header__phone {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gold-muted);
}

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-white);
  border-radius: 2px;
  transition: all var(--transition);
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Hero */
.hero {
  padding: calc(var(--header-height) + 64px) 0 80px;
  background: linear-gradient(160deg, var(--color-navy) 0%, var(--color-navy-mid) 60%, var(--color-navy-light) 100%);
  overflow: hidden;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero__title {
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.15;
  margin-bottom: 20px;
  text-wrap: balance;
}

.hero__title-line {
  display: block;
}

.hero__title-line em {
  white-space: nowrap;
}

.hero__subtitle {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  margin-bottom: 32px;
  max-width: 480px;
}

.hero__products {
  margin-bottom: 32px;
}

.hero__products-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-bottom: 12px;
}

.product-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.product-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1.5px solid var(--color-border-dark);
  border-radius: 100px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text);
  transition: all var(--transition);
}

.product-pill:hover,
.product-pill--active {
  border-color: var(--color-gold);
  background: rgba(201, 162, 39, 0.15);
  color: var(--color-gold-light);
}

.product-pill svg {
  flex-shrink: 0;
}

.hero__visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero__emblem {
  position: relative;
  width: 100%;
  max-width: 400px;
  aspect-ratio: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.hero__emblem::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 4px solid var(--color-gold);
  box-shadow:
    0 0 0 6px var(--color-navy),
    0 0 0 8px rgba(255, 255, 255, 0.25),
    0 16px 48px rgba(0, 0, 0, 0.4);
}

.hero__emblem img {
  width: 88%;
  height: 88%;
  object-fit: contain;
  border-radius: 50%;
  position: relative;
  z-index: 1;
}

.emblem-frame {
  position: relative;
  width: 280px;
  margin: 0 auto;
  aspect-ratio: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
}

.emblem-frame::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 3px solid var(--color-gold);
  box-shadow:
    0 0 0 5px rgba(10, 31, 61, 0.5),
    0 0 0 7px rgba(255, 255, 255, 0.2);
}

.emblem-frame img {
  width: 90%;
  height: 90%;
  object-fit: contain;
  border-radius: 50%;
  position: relative;
  z-index: 1;
}

.hero__card--trust {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--color-white);
  padding: 20px 24px;
  border-radius: var(--radius-md);
  border: 2px solid var(--color-gold);
  box-shadow: var(--shadow-lg);
}

.trust-badge {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.trust-badge__stars {
  color: var(--color-gold);
  font-size: 1rem;
  letter-spacing: 2px;
}

.trust-badge__score {
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--color-navy);
}

.trust-badge__reviews {
  font-size: 0.8125rem;
  color: var(--color-gray-600);
}

/* Trust Bar */
.trust-bar {
  background: var(--color-navy-light);
  color: var(--color-white);
  padding: 28px 0;
  border-top: 2px solid var(--color-border-gold);
  border-bottom: 2px solid var(--color-border-gold);
}

.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 14px;
}

.trust-bar__icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.trust-bar__item strong {
  display: block;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-gold-light);
}

.trust-bar__item span {
  font-size: 0.8125rem;
  opacity: 0.75;
}

/* Quote Section */
.quote-section {
  padding: 80px 0;
}

.quote-card {
  max-width: 720px;
  margin: 0 auto;
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-top: 4px solid var(--color-gold);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-lg);
}

.quote-card__header {
  text-align: center;
  margin-bottom: 36px;
}

.quote-card__logo {
  width: 72px;
  height: 72px;
  margin: 0 auto 20px;
  border-radius: 50%;
  border: 2px solid var(--color-gold);
  box-shadow: 0 0 0 3px var(--color-gold-muted);
}

.quote-card__header h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.quote-card__header p {
  color: var(--color-gray-600);
}

.quote-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy);
}

.form-group input,
.form-group select {
  padding: 12px 16px;
  border: 1.5px solid var(--color-gray-200);
  border-radius: var(--radius-sm);
  font: inherit;
  color: var(--color-gray-800);
  background: var(--color-white);
  transition: border-color var(--transition);
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}

.form-hint {
  font-size: 0.8125rem;
  color: var(--color-gray-400);
}

.input-prefix {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--color-gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition);
}

.input-prefix:focus-within {
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}

.input-prefix span {
  padding: 12px 0 12px 16px;
  color: var(--color-gray-400);
  font-weight: 500;
}

.input-prefix input {
  border: none;
  flex: 1;
  padding: 12px 16px 12px 4px;
  box-shadow: none !important;
}

.radio-group {
  display: flex;
  gap: 20px;
}

.radio-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9375rem;
  cursor: pointer;
}

.radio-label input {
  accent-color: var(--color-gold);
}

.quote-form__disclaimer {
  margin-top: 16px;
  font-size: 0.75rem;
  color: var(--color-gray-400);
  text-align: center;
  line-height: 1.5;
}

.quote-success {
  text-align: center;
  padding: 32px 0;
}

.quote-success__icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 20px;
  background: var(--color-sage-light);
  color: var(--color-sage);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  font-weight: 700;
}

.quote-success h3 {
  font-size: 1.5rem;
  color: var(--color-navy);
  margin-bottom: 8px;
}

.quote-success p {
  color: var(--color-gray-600);
}

/* Sections */
.section {
  padding: 96px 0;
}

.section--alt {
  background: var(--color-navy-light);
}

/* Cards */
.card-grid {
  display: grid;
  gap: 28px;
}

.card-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.card-grid--2 {
  grid-template-columns: repeat(2, 1fr);
}

.info-card {
  background: var(--color-white);
  padding: 32px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-gray-200);
  border-top: 3px solid var(--color-gold);
  transition: box-shadow var(--transition), transform var(--transition);
}

.section--alt .info-card {
  border-color: transparent;
}

.info-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.info-card__icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-gold-muted);
  color: var(--color-brown);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
}

.info-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.info-card p {
  color: var(--color-gray-600);
  margin-bottom: 20px;
  font-size: 0.9375rem;
}

/* Policy Types */
.policy-types {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.policy-type {
  background: var(--color-white);
  padding: 36px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-gray-200);
  border-top: 3px solid var(--color-gold);
  position: relative;
  display: flex;
  flex-direction: column;
}

.policy-type__badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: linear-gradient(135deg, var(--color-flame), var(--color-flame-dark));
  color: var(--color-white);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 100px;
}

.policy-type h3 {
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.policy-type p {
  color: var(--color-gray-600);
  font-size: 0.9375rem;
  margin-bottom: 20px;
  flex: 1;
}

.policy-type__features {
  margin-bottom: 24px;
}

.policy-type__features li {
  position: relative;
  padding-left: 24px;
  font-size: 0.875rem;
  color: var(--color-gray-800);
  margin-bottom: 8px;
}

.policy-type__features li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-sage);
  font-weight: 700;
}

/* Stats */
.stats {
  padding: 96px 0;
  background: var(--color-navy-mid);
  color: var(--color-white);
  border-top: 2px solid var(--color-border-gold);
  border-bottom: 2px solid var(--color-border-gold);
}

.stats__header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 56px;
}

.stats__header h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  margin-bottom: 16px;
}

.stats__header p {
  opacity: 0.8;
  font-size: 1.0625rem;
}

.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}

.stat__number {
  display: block;
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 700;
  color: var(--color-gold-light);
  line-height: 1;
  margin-bottom: 8px;
}

.stat__label {
  font-size: 0.9375rem;
  opacity: 0.8;
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.step {
  text-align: center;
}

.step__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--color-gold-light), var(--color-gold-dark));
  color: var(--color-navy);
  font-weight: 700;
  font-size: 1.125rem;
  border-radius: 50%;
  margin-bottom: 20px;
}

.step h3 {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: 10px;
}

.step p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
}

/* Testimonials */
.testimonial-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 24px;
}

.testimonial {
  background: var(--color-white);
  padding: 28px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-gray-200);
  display: flex;
  flex-direction: column;
}

.testimonial--featured {
  background: linear-gradient(160deg, var(--color-navy-mid) 0%, var(--color-brown) 100%);
  color: var(--color-white);
  border: 2px solid var(--color-border-gold);
}

.testimonial p {
  font-size: 1rem;
  line-height: 1.65;
  flex: 1;
  margin-bottom: 24px;
}

.testimonial--featured p {
  font-size: 1.125rem;
}

.testimonial footer {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial footer img {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
}

.testimonial cite {
  display: block;
  font-style: normal;
  font-weight: 600;
  font-size: 0.9375rem;
}

.testimonial footer span {
  font-size: 0.8125rem;
  opacity: 0.7;
}

/* Calculator */
.calculator-layout {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: start;
}

.calculator-intro h2 {
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: 16px;
  line-height: 1.2;
}

.calculator-intro p {
  color: var(--color-text-muted);
  margin-bottom: 24px;
}

.calculator-intro__lock {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  padding: 12px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--color-border-dark);
  border-radius: var(--radius-sm);
}

.calculator-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.calculator-form .form-group {
  margin-bottom: 20px;
}

.calculator-result {
  margin-top: 28px;
  padding-top: 28px;
  border-top: 1px solid var(--color-gray-200);
}

.calculator-result__label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gray-600);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}

.calculator-result__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

.calculator-result__item {
  background: var(--color-gold-muted);
  padding: 20px;
  border-radius: var(--radius-sm);
  text-align: center;
  border: 1px solid var(--color-border-gold);
}

.calculator-result__value {
  display: block;
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--color-brown);
  margin-bottom: 4px;
}

.calculator-result__desc {
  font-size: 0.8125rem;
  color: var(--color-gray-600);
}

.calculator-result__disclaimer {
  margin-top: 16px;
  font-size: 0.75rem;
  color: var(--color-gray-400);
  text-align: center;
  line-height: 1.5;
}

/* Guide Cards */
.guide-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--color-gray-200);
  border-bottom: 3px solid var(--color-gold);
  transition: box-shadow var(--transition), transform var(--transition);
}

.guide-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.guide-card img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

.guide-card__body {
  padding: 28px;
}

.guide-card__body h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.guide-card__body p {
  font-size: 0.9375rem;
  color: var(--color-gray-600);
  margin-bottom: 16px;
}

/* FAQ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.faq-item summary {
  padding: 20px 24px;
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: background var(--transition);
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: '+';
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--color-gold);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item[open] summary::after {
  transform: rotate(45deg);
}

.faq-item summary:hover {
  background: var(--color-cream);
}

.faq-item p {
  padding: 0 24px 20px;
  color: var(--color-gray-600);
  font-size: 0.9375rem;
  line-height: 1.65;
}

/* Final CTA */
.final-cta {
  padding: 96px 0;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-brown) 60%, var(--color-navy-mid) 100%);
  color: var(--color-white);
  border-top: 2px solid var(--color-border-gold);
}

.final-cta__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.final-cta__content h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}

.final-cta__content p {
  opacity: 0.85;
  font-size: 1.0625rem;
  margin-bottom: 32px;
}

.final-cta__visual img {
  border-radius: var(--radius-lg);
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
}

/* Footer */
.footer {
  background: var(--color-navy);
  color: rgba(255, 255, 255, 0.75);
  padding: 64px 0 32px;
  border-top: 2px solid var(--color-border-gold);
}

.footer .logo {
  color: var(--color-white);
  margin-bottom: 12px;
}

.footer__brand p {
  font-size: 0.875rem;
  max-width: 260px;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer__col h4 {
  color: var(--color-gold);
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}

.footer__col li {
  margin-bottom: 10px;
}

.footer__col a {
  font-size: 0.875rem;
  transition: color var(--transition);
}

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

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  margin-bottom: 24px;
}

.footer__bottom p {
  font-size: 0.8125rem;
}

.footer__legal {
  display: flex;
  gap: 24px;
}

.footer__legal a {
  font-size: 0.8125rem;
  transition: color var(--transition);
}

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

.footer__disclaimer {
  font-size: 0.75rem;
  opacity: 0.5;
  line-height: 1.5;
}

/* Responsive */
@media (max-width: 1024px) {
  .hero__grid,
  .calculator-layout,
  .final-cta__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero__visual {
    order: -1;
    max-width: 320px;
    margin: 0 auto;
  }

  .hero__emblem {
    max-width: 300px;
  }

  .card-grid--3,
  .policy-types,
  .steps,
  .stats__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: var(--color-navy);
    border-bottom: 1px solid var(--color-border-dark);
    padding: 24px;
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: all 0.3s ease;
  }

  .nav--open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav__list {
    flex-direction: column;
    gap: 20px;
  }

  .menu-toggle {
    display: flex;
  }

  .header__phone {
    display: none;
  }

  .trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .quote-card {
    padding: 28px 20px;
  }

  .quote-form__row {
    grid-template-columns: 1fr;
  }

  .card-grid--3,
  .card-grid--2,
  .policy-types,
  .steps,
  .stats__grid {
    grid-template-columns: 1fr;
  }

  .calculator-result__grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer__bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }

  .hero {
    padding-bottom: 48px;
  }

  .section {
    padding: 64px 0;
  }
}

@media (max-width: 480px) {
  .trust-bar__grid {
    grid-template-columns: 1fr;
  }

  .product-pills {
    flex-direction: column;
  }

  .product-pill {
    justify-content: center;
  }

  .hero__card--trust {
    left: 12px;
    bottom: -12px;
    padding: 14px 18px;
  }
}