/* ============================================================
   Vendsurance.com — Design System + Full Page Styles
   ============================================================ */

/* ── Custom Properties ─────────────────────────────────────── */
:root {
  --color-bg:        #080B14;
  --color-surface:   #0F172A;
  --color-surface-2: #1E293B;
  --color-border:    #1E293B;
  --color-purple:    #7C3AED;
  --color-purple-h:  #6D28D9;
  --color-magenta:   #D946EF;
  --color-cyan:      #06B6D4;
  --color-text:      #F1F5F9;
  --color-muted:     #94A3B8;
  --color-white:     #FFFFFF;

  --max-w:     1200px;
  --nav-h:     72px;
  --radius:    12px;
  --radius-sm: 8px;
  --shadow:    0 4px 24px rgba(124,58,237,0.15);
  --shadow-lg: 0 8px 48px rgba(124,58,237,0.25);

  --f-display: 'League Spartan', system-ui, sans-serif;
  --f-body:    'Inter', system-ui, sans-serif;
}

/* ── Reset ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--color-bg);
  color: var(--color-text);
  font-family: var(--f-body);
  font-size: 1rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* ── Typography ─────────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: var(--f-display);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.5rem, 6vw, 4.5rem); font-weight: 900; }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.75rem); }
p  { color: var(--color-muted); }

/* ── Layout Utilities ───────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.section { padding-block: 5rem; }
.section--sm { padding-block: 3rem; }
.section-title {
  text-align: center;
  margin-bottom: 0.75rem;
}
.section-sub {
  text-align: center;
  max-width: 600px;
  margin-inline: auto;
  margin-bottom: 3rem;
  font-size: 1.1rem;
}
.divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--color-purple), var(--color-cyan), transparent);
  border: none;
}

/* ── Buttons ─────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  border-radius: 999px;
  font-family: var(--f-display);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  transition: all 0.25s ease;
  cursor: pointer;
}
.btn-primary {
  background: var(--color-purple);
  color: var(--color-white);
  border: 2px solid var(--color-purple);
}
.btn-primary:hover, .btn-primary:focus-visible {
  background: var(--color-purple-h);
  border-color: var(--color-purple-h);
  box-shadow: 0 0 24px rgba(217,70,239,0.5), 0 0 48px rgba(6,182,212,0.2);
  transform: translateY(-1px);
}
.btn-ghost {
  background: transparent;
  color: var(--color-text);
  border: 2px solid var(--color-border);
}
.btn-ghost:hover, .btn-ghost:focus-visible {
  border-color: var(--color-purple);
  color: var(--color-white);
  box-shadow: 0 0 16px rgba(124,58,237,0.3);
  transform: translateY(-1px);
}

/* ── Phone CTA ───────────────────────────────────────────────── */
.cta-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  margin-top: 1.25rem;
  color: var(--color-text);
  transition: color 0.2s;
  text-decoration: none;
}
.cta-phone:hover { color: var(--color-cyan); }
.cta-phone__icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(124,58,237,0.15);
  border: 1px solid rgba(124,58,237,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
  transition: background 0.2s, border-color 0.2s;
}
.cta-phone:hover .cta-phone__icon {
  background: rgba(6,182,212,0.15);
  border-color: var(--color-cyan);
}
.cta-phone__text { display: flex; flex-direction: column; line-height: 1.3; }
.cta-phone__label {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.cta-phone__number {
  font-family: var(--f-display);
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--color-white);
}
.cta-phone:hover .cta-phone__number { color: var(--color-cyan); }

/* Inverse version for CTA banners (dark text on light bg) */
.cta-phone--light { color: rgba(255,255,255,0.9); margin-top: 1rem; }
.cta-phone--light .cta-phone__icon {
  background: rgba(255,255,255,0.15);
  border-color: rgba(255,255,255,0.4);
}
.cta-phone--light .cta-phone__label { color: rgba(255,255,255,0.7); }
.cta-phone--light .cta-phone__number { color: #fff; }
.cta-phone--light:hover .cta-phone__number { color: var(--color-cyan); }

/* ── Glitch Animation ─────────────────────────────────────────── */
@keyframes glitch-1 {
  0%   { clip-path: inset(20% 0 60% 0); transform: translate(-3px, 0); }
  20%  { clip-path: inset(60% 0 20% 0); transform: translate(3px, 0); }
  40%  { clip-path: inset(40% 0 40% 0); transform: translate(-2px, 0); }
  60%  { clip-path: inset(80% 0 5%  0); transform: translate(2px, 0); }
  80%  { clip-path: inset(5%  0 80% 0); transform: translate(-1px, 0); }
  100% { clip-path: inset(20% 0 60% 0); transform: translate(0, 0); }
}
@keyframes glitch-2 {
  0%   { clip-path: inset(50% 0 30% 0); transform: translate(3px, 0); }
  25%  { clip-path: inset(10% 0 70% 0); transform: translate(-3px, 0); }
  50%  { clip-path: inset(70% 0 10% 0); transform: translate(2px, 0); }
  75%  { clip-path: inset(30% 0 50% 0); transform: translate(-2px, 0); }
  100% { clip-path: inset(50% 0 30% 0); transform: translate(3px, 0); }
}

.glitch {
  position: relative;
  display: inline-block;
}
.glitch::before,
.glitch::after {
  content: attr(data-text);
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.glitch::before {
  color: var(--color-magenta);
  animation: glitch-1 4s infinite steps(1);
  opacity: 0.7;
}
.glitch::after {
  color: var(--color-cyan);
  animation: glitch-2 4s infinite steps(1) 0.1s;
  opacity: 0.7;
}

/* ── Scroll Animations ────────────────────────────────────────── */
[data-animate] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
[data-animate].in-view {
  opacity: 1;
  transform: translateY(0);
}
[data-animate][data-delay="1"] { transition-delay: 0.1s; }
[data-animate][data-delay="2"] { transition-delay: 0.2s; }
[data-animate][data-delay="3"] { transition-delay: 0.3s; }
[data-animate][data-delay="4"] { transition-delay: 0.4s; }

/* ── Navigation ───────────────────────────────────────────────── */
.site-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  transition: background 0.3s ease, box-shadow 0.3s ease;
}
.site-nav.scrolled {
  background: rgba(8, 11, 20, 0.95);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 var(--color-border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.nav-logo img { height: 108px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--color-muted);
  transition: color 0.2s;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--color-white);
}
.nav-cta { margin-left: auto; }
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: all 0.3s ease;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav drawer */
.mobile-nav-drawer {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0;
  right: 0;
  background: rgba(8,11,20,0.98);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  padding: 1.5rem;
  z-index: 999;
  flex-direction: column;
  gap: 1rem;
}
.mobile-nav-drawer.open { display: flex; }
.mobile-nav-drawer a {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-muted);
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--color-border);
  transition: color 0.2s;
}
.mobile-nav-drawer a:last-child { border-bottom: none; }
.mobile-nav-drawer a:hover { color: var(--color-white); }
.mobile-nav-drawer .btn { width: 100%; justify-content: center; margin-top: 0.5rem; }

/* ── Hero ────────────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: var(--nav-h);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 50% -10%, rgba(124,58,237,0.25) 0%, transparent 70%),
    radial-gradient(ellipse 40% 40% at 80% 60%, rgba(6,182,212,0.08) 0%, transparent 60%),
    var(--color-bg);
  z-index: 0;
}
/* subtle grid overlay */
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(124,58,237,0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(124,58,237,0.06) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-content {
  position: relative;
  z-index: 1;
  max-width: 780px;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.375rem 1rem;
  border: 1px solid rgba(124,58,237,0.4);
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-purple);
  margin-bottom: 1.5rem;
  background: rgba(124,58,237,0.08);
}
.hero-eyebrow::before {
  content: '';
  display: inline-block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-purple);
}
.hero h1 {
  margin-bottom: 1.5rem;
  color: var(--color-white);
}
.hero-sub {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: var(--color-muted);
  max-width: 600px;
  margin-bottom: 2.5rem;
  line-height: 1.7;
}
.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ── Trust Strip ─────────────────────────────────────────────── */
.trust-strip {
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  padding: 1.25rem 0;
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-text);
}
.trust-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--color-purple);
  flex-shrink: 0;
  box-shadow: 0 0 8px var(--color-purple);
}

/* ── Coverage Cards ────────────────────────────────────────────── */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.coverage-card {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 2rem;
  transition: border-color 0.3s, box-shadow 0.3s, transform 0.3s;
}
.coverage-card:hover {
  border-color: var(--color-purple);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}
.coverage-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: rgba(124,58,237,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
}
.coverage-card h3 {
  font-size: 1.15rem;
  color: var(--color-white);
  margin-bottom: 0.5rem;
}
.coverage-card p { font-size: 0.9rem; }

/* ── How It Works ─────────────────────────────────────────────── */
.how-it-works { background: var(--color-surface); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(16.66% + 1rem);
  right: calc(16.66% + 1rem);
  height: 1px;
  background: linear-gradient(90deg, var(--color-purple), var(--color-cyan));
}
.step {
  text-align: center;
  position: relative;
}
.step-num {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--color-bg);
  border: 2px solid var(--color-purple);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--f-display);
  font-weight: 900;
  font-size: 1.75rem;
  color: var(--color-purple);
  margin: 0 auto 1.5rem;
  position: relative;
  z-index: 1;
  box-shadow: 0 0 24px rgba(124,58,237,0.3);
}
.step h3 {
  color: var(--color-white);
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}
.step p { font-size: 0.9rem; }

/* ── Features List ────────────────────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.feature-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.5rem;
  background: var(--color-surface-2);
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
  transition: border-color 0.3s;
}
.feature-item:hover { border-color: rgba(124,58,237,0.5); }
.feature-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: rgba(124,58,237,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.25rem;
}
.feature-item h3 {
  font-size: 1rem;
  color: var(--color-white);
  margin-bottom: 0.25rem;
}
.feature-item p { font-size: 0.875rem; }

/* ── Testimonials ─────────────────────────────────────────────── */
.testimonials { background: var(--color-surface); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.testimonial-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 2rem;
  position: relative;
  transition: border-color 0.3s, box-shadow 0.3s;
}
.testimonial-card:hover {
  border-color: rgba(124,58,237,0.4);
  box-shadow: var(--shadow);
}
.stars {
  display: flex;
  gap: 3px;
  margin-bottom: 1rem;
  color: var(--color-magenta);
  font-size: 1rem;
}
.testimonial-card blockquote {
  font-size: 0.975rem;
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-purple), var(--color-magenta));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--f-display);
  font-weight: 700;
  color: white;
  font-size: 1rem;
  flex-shrink: 0;
}
.author-name {
  font-weight: 600;
  color: var(--color-white);
  font-size: 0.9rem;
}
.author-role { font-size: 0.8rem; color: var(--color-muted); }

/* ── CTA Banner ────────────────────────────────────────────────── */
.cta-banner {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--color-purple) 0%, #4C1D95 50%, #1E1B4B 100%);
  text-align: center;
  padding-block: 5rem;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h2 {
  color: var(--color-white);
  margin-bottom: 0.75rem;
}
.cta-banner p {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 560px;
  margin-inline: auto;
}
.cta-banner .btn-primary {
  background: var(--color-white);
  color: var(--color-purple);
  border-color: var(--color-white);
}
.cta-banner .btn-primary:hover {
  background: var(--color-bg);
  color: var(--color-white);
  border-color: var(--color-white);
  box-shadow: 0 0 32px rgba(255,255,255,0.3);
}

/* ── Hero Split Layout ────────────────────────────────────────── */
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.hero-image {
  position: relative;
  z-index: 1;
}
.hero-image img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: 0 0 0 1px rgba(124,58,237,0.3), var(--shadow-lg);
}
/* subtle glow frame */
.hero-image::before {
  content: '';
  position: absolute;
  inset: -2px;
  border-radius: calc(var(--radius) + 2px);
  background: linear-gradient(135deg, var(--color-purple), var(--color-magenta), var(--color-cyan));
  z-index: -1;
  opacity: 0.5;
}

/* ── Lifestyle Image Block ─────────────────────────────────────── */
.lifestyle-block {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius);
}
.lifestyle-block img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
}
.lifestyle-block--product {
  background: #fff;
  border-radius: var(--radius);
  margin-bottom: 15px;
}
.lifestyle-block--product img {
  width: 100%;
  height: auto !important;
  object-fit: unset;
  display: block;
}
.lifestyle-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  margin-top: 3rem;
}
.lifestyle-split .lifestyle-block img { height: 480px; }

/* ── Page Hero (inner pages) ──────────────────────────────────── */
.page-hero {
  padding-top: calc(var(--nav-h) + 5rem);
  padding-bottom: 5rem;
  position: relative;
  overflow: hidden;
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 60% at 50% 0%, rgba(124,58,237,0.2) 0%, transparent 70%),
    var(--color-bg);
  z-index: 0;
}
.page-hero-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 720px;
  margin-inline: auto;
}
.page-hero h1 { color: var(--color-white); margin-bottom: 1rem; }
.page-hero .hero-sub { margin-inline: auto; }

/* ── Stats Bar ─────────────────────────────────────────────────── */
.stats-bar { background: var(--color-surface); }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-number {
  font-family: var(--f-display);
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 900;
  background: linear-gradient(135deg, var(--color-purple), var(--color-magenta));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
}
.stat-label {
  color: var(--color-muted);
  font-size: 0.95rem;
  font-weight: 500;
  margin-top: 0.25rem;
}

/* ── Story Section ─────────────────────────────────────────────── */
.story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.story-text h2 { margin-bottom: 1.25rem; }
.story-text p { margin-bottom: 1rem; }
.story-visual {
  display: flex;
  align-items: center;
  justify-content: center;
}
.story-visual img { max-width: 340px; filter: drop-shadow(0 0 40px rgba(124,58,237,0.4)); }

/* ── Differentiators ────────────────────────────────────────────── */
.diff-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.diff-grid--2col {
  grid-template-columns: repeat(2, 1fr);
}
.diff-card {
  text-align: center;
  padding: 2.5rem 2rem;
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  transition: border-color 0.3s, box-shadow 0.3s, transform 0.3s;
}
.diff-card:hover {
  border-color: var(--color-purple);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}
.diff-card-icon {
  font-size: 2.5rem;
  margin-bottom: 1.25rem;
}
.diff-card h3 {
  color: var(--color-white);
  margin-bottom: 0.5rem;
  font-size: 1.15rem;
}

/* ── Risk Cards ────────────────────────────────────────────────── */
.risk-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.risk-card {
  display: flex;
  gap: 1.25rem;
  padding: 2rem;
  background: var(--color-surface-2);
  border: 1px solid rgba(217,70,239,0.2);
  border-radius: var(--radius);
  transition: border-color 0.3s, box-shadow 0.3s;
}
.risk-card:hover {
  border-color: rgba(217,70,239,0.5);
  box-shadow: 0 4px 24px rgba(217,70,239,0.12);
}
.risk-icon {
  font-size: 2rem;
  flex-shrink: 0;
}
.risk-card h3 {
  color: var(--color-white);
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

/* ── Coverage Checklist ────────────────────────────────────────── */
.coverage-list-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem 4rem;
  margin-top: 3rem;
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 2.5rem;
}
.coverage-list { display: flex; flex-direction: column; gap: 1rem; }
.coverage-list-heading {
  font-family: var(--f-display);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-purple);
  margin-bottom: 0.25rem;
  display: block;
}
.checklist-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.975rem;
  color: var(--color-text);
}
.check-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(124,58,237,0.15);
  border: 1px solid rgba(124,58,237,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.7rem;
  color: var(--color-purple);
}

/* ── FAQ Accordion ─────────────────────────────────────────────── */
.faq-list {
  max-width: 760px;
  margin-inline: auto;
  margin-top: 3rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color 0.3s;
}
.faq-item.open { border-color: rgba(124,58,237,0.5); }
.faq-question {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-white);
  background: none;
  transition: color 0.2s;
}
.faq-question:hover { color: var(--color-purple); }
.faq-chevron {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(124,58,237,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.75rem;
  color: var(--color-purple);
  transition: transform 0.3s, background 0.3s;
}
.faq-item.open .faq-chevron {
  transform: rotate(180deg);
  background: rgba(124,58,237,0.2);
}
.faq-answer {
  display: none;
  padding: 0 1.5rem 1.25rem;
  color: var(--color-muted);
  font-size: 0.95rem;
  line-height: 1.7;
}
.faq-item.open .faq-answer { display: block; }

/* ── Footer ──────────────────────────────────────────────────── */
.site-footer {
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  padding-block: 3rem 2rem;
}
.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 2rem;
  flex-wrap: wrap;
}
.footer-brand img { height: 90px; margin-bottom: 0.75rem; }
.footer-brand p { font-size: 0.875rem; max-width: 260px; }
.footer-nav-group h4 {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-muted);
  margin-bottom: 0.75rem;
}
.footer-nav-group ul { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-nav-group a {
  font-size: 0.9rem;
  color: var(--color-muted);
  transition: color 0.2s;
}
.footer-nav-group a:hover { color: var(--color-white); }
.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8rem;
  color: var(--color-muted);
}
.footer-disclaimer { max-width: 480px; font-size: 0.75rem; line-height: 1.5; }

/* ── Quote Modal ─────────────────────────────────────────────── */
.modal-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.7);
  backdrop-filter: blur(4px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}
.modal-backdrop.open { display: flex; }
.modal {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  width: 100%;
  max-width: 560px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 2.5rem;
  position: relative;
  box-shadow: var(--shadow-lg);
}
.modal-close {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-surface-2);
  border-radius: 50%;
  color: var(--color-muted);
  font-size: 1.1rem;
  line-height: 1;
  transition: color 0.2s, background 0.2s;
}
.modal-close:hover { color: var(--color-white); background: var(--color-border); }
.modal h2 {
  font-size: 1.75rem;
  color: var(--color-white);
  margin-bottom: 0.5rem;
}
.modal-sub {
  color: var(--color-muted);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: 0.375rem; margin-bottom: 1rem; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text);
}
.form-group input,
.form-group select,
.form-group textarea {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  color: var(--color-white);
  font-family: var(--f-body);
  font-size: 0.95rem;
  transition: border-color 0.2s;
  outline: none;
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--color-purple);
  box-shadow: 0 0 0 3px rgba(124,58,237,0.15);
}
.form-group select { cursor: pointer; }
.form-group textarea { resize: vertical; min-height: 80px; }
.checkbox-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
  margin-top: 0.375rem;
}
.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--color-muted);
  cursor: pointer;
}
.checkbox-label input[type="checkbox"] {
  width: 16px;
  height: 16px;
  border-radius: 3px;
  accent-color: var(--color-purple);
  cursor: pointer;
}
.modal .btn-primary {
  width: 100%;
  justify-content: center;
  margin-top: 0.5rem;
  border-radius: var(--radius-sm);
}

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .story-grid { grid-template-columns: 1fr; }
  .story-visual { display: none; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .diff-grid,
  .diff-grid--2col { grid-template-columns: 1fr; }
  .hero-inner { grid-template-columns: 1fr; }
  .lifestyle-split { grid-template-columns: 1fr; }
  .hero-image { display: none; }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .coverage-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .risk-grid { grid-template-columns: 1fr; }
  .coverage-list-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .stats-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .trust-strip-inner { gap: 1.5rem; }
  .footer-top { flex-direction: column; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { justify-content: center; }
}

@media (max-width: 480px) {
  .section { padding-block: 3.5rem; }
  .modal { padding: 1.75rem 1.25rem; }
  .checkbox-grid { grid-template-columns: 1fr; }
}