/* =============================================================================
   Compare Life Cover — shared styles
   Design system lifted from quotes.atlasenergysolutions.com.au (Price My Solar).
   Both /life-and-trauma-insured/ and /life-and-trauma-uninsured/
   load an identical copy of this file.
   ============================================================================= */

:root {
  /* Brand — forest green (trust) */
  --brand-50:  #f0f9f2;
  --brand-100: #dcf1e0;
  --brand-200: #b8e3c1;
  --brand-300: #8bcf9a;
  --brand-400: #55b56b;
  --brand-500: #22a34a;
  --brand-600: #17843a;
  --brand-700: #12652d;
  --brand-800: #0f4b23;
  --brand-900: #0a2e17;

  /* Ink — warm-tinted neutrals */
  --ink-900: #0e1a13;
  --ink-800: #1b2b21;
  --ink-700: #364a3d;
  --ink-500: #61735f;
  --ink-400: #8a9b8b;
  --ink-300: #b7c4b4;
  --ink-200: #dbe3d6;
  --ink-100: #eef2ea;
  --ink-50:  #f6f8f3;
  --white:   #ffffff;

  --accent-cream: #fff8e1;
  --accent-warm:  #ffd77a;

  /* CTA — warm orange */
  --cta-500: #F79221;
  --cta-600: #E27A0F;
  --cta-700: #C56408;

  --danger: #d93025;
  --accent-blue: #3CBDF8;

  --container:        1200px;
  --container-narrow: 900px;

  --r-xs:    8px;
  --r-sm:    14px;
  --r-md:    20px;
  --r-lg:    28px;
  --r-xl:    36px;
  --r-2xl:   48px;
  --r-round: 999px;

  --sh-1: 0 1px 2px rgba(15,42,26,.06), 0 1px 1px rgba(15,42,26,.04);
  --sh-2: 0 6px 16px -6px rgba(15,42,26,.12), 0 3px 6px -2px rgba(15,42,26,.06);
  --sh-3: 0 20px 40px -12px rgba(15,42,26,.18), 0 10px 20px -8px rgba(15,42,26,.10);
  --sh-4: 0 40px 80px -20px rgba(15,42,26,.24), 0 20px 40px -12px rgba(15,42,26,.12);

  --ease-out:    cubic-bezier(.16, 1, .3, 1);
  --ease-spring: cubic-bezier(.34, 1.56, .64, 1);
}

/* Base */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  color: var(--ink-900);
  background: var(--ink-50);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg, video { display: block; max-width: 100%; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
a { color: inherit; text-decoration: none; }
input, textarea, select { font: inherit; color: inherit; }
h1, h2, h3, h4 {
  font-family: 'Manrope', sans-serif;
  margin: 0; line-height: 1.15;
  letter-spacing: -0.02em; color: var(--ink-900);
}
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
em { font-style: italic; font-family: 'Fraunces', serif; font-weight: 500; }

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

.skip-to-content {
  position: absolute; left: -9999px; top: 0;
  background: var(--ink-900); color: #fff;
  padding: 12px 20px; border-radius: var(--r-md); font-weight: 600;
}
.skip-to-content:focus { left: 20px; top: 20px; z-index: 200; }

:focus-visible {
  outline: none;
  box-shadow: 0 0 0 4px rgba(247,146,33,.35);
  border-radius: var(--r-sm);
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 20px; border: 0; border-radius: var(--r-round);
  font-weight: 600; font-size: 15px; cursor: pointer;
  transition:
    transform  .18s var(--ease-out),
    box-shadow .18s var(--ease-out),
    background .18s var(--ease-out),
    border-color .18s var(--ease-out);
  white-space: nowrap;
}
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }
.btn-primary {
  background: var(--cta-500); color: var(--white);
  box-shadow: inset 0 -2px 0 rgba(0,0,0,.10);
}
.btn-primary:hover { background: var(--cta-600); transform: translateY(-1px); }
.btn-primary:active { transform: translateY(0); }
.btn-primary:disabled { background: var(--ink-300); color: var(--white); cursor: not-allowed; transform: none; }
.btn-ghost {
  background: transparent; color: var(--ink-900);
  border: 1px solid var(--ink-300);
}
.btn-ghost:hover { background: var(--white); border-color: var(--ink-400); }
.btn-lg { padding: 14px 24px; font-size: 16px; }
.btn-xl { padding: 18px 32px; font-size: 17px; }
.btn-block { width: 100%; }

/* Pill nav */
.pill-nav {
  position: fixed; top: 20px; left: 0; right: 0; z-index: 50;
  display: flex; justify-content: center; pointer-events: none;
  padding: 0 20px;
}
.pill-nav-inner {
  pointer-events: auto;
  width: 100%;
  max-width: 1360px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 10px 12px 10px 28px;
  background: linear-gradient(180deg, rgba(255,255,255,.55) 0%, rgba(255,255,255,.35) 100%);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,.6);
  border-radius: var(--r-round);
  box-shadow: var(--sh-2), inset 0 1px 0 rgba(255,255,255,.4);
}
.pill-nav-brand { display: inline-flex; align-items: center; }
.pill-nav-logo { height: 44px; width: auto; }
.pill-nav-cta { padding: 10px 18px 10px 20px; font-size: 14px; }
@media (max-width: 720px) {
  .pill-nav { top: 12px; }
  .pill-nav-inner { padding: 10px 20px; justify-content: center; }
  .pill-nav-cta { display: none; }
  .pill-nav-logo { height: 40px; }
}

/* Hero */
.hero { padding: 100px 10px 0; }
.hero-card {
  position: relative; max-width: none; margin: 0 12px;
  overflow: hidden; border-radius: var(--r-2xl);
  background: linear-gradient(180deg, #ffe8a3 0%, #c3e6b8 100%);
  min-height: 640px; display: flex; isolation: isolate;
}
.hero-media { position: absolute; inset: 0; z-index: 0; }
.hero-media-img { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(180deg, rgba(10,20,15,.15) 0%, rgba(10,20,15,.05) 40%, rgba(10,20,15,.55) 100%);
}
.hero-inner {
  position: relative; z-index: 2;
  padding: 72px 32px 140px;
  max-width: 900px; margin: 0 auto; width: 100%;
  display: flex; flex-direction: column; align-items: center; text-align: center;
}
.hero-chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 14px 6px 10px;
  background: rgba(255,255,255,.92);
  border-radius: var(--r-round);
  font-size: 13px; font-weight: 600; color: var(--brand-800);
  margin-bottom: 20px; box-shadow: var(--sh-1);
}
.hero-chip-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--brand-500);
  box-shadow: 0 0 0 4px rgba(34,163,74,.2);
  animation: pulse-dot 2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%, 100% { box-shadow: 0 0 0 4px rgba(34,163,74,.2); }
  50%      { box-shadow: 0 0 0 8px rgba(34,163,74,.05); }
}
.hero-title {
  font-size: clamp(32px, 4.6vw, 60px); font-weight: 700;
  letter-spacing: -0.03em; line-height: 1.04;
  color: var(--white); margin: 0 0 18px;
  text-shadow: 0 2px 20px rgba(0,0,0,.25);
}
.hero-title em { color: var(--accent-blue); font-style: italic; }
.hero-subtitle {
  font-size: clamp(16px, 1.2vw, 18px);
  color: rgba(255,255,255,.94);
  max-width: 640px; margin: 0 auto 28px;
  text-shadow: 0 1px 12px rgba(0,0,0,.3);
}
.hero-actions {
  display: flex; gap: 12px; align-items: center; flex-wrap: wrap; justify-content: center;
  margin-top: 28px;
  margin-bottom: 40px;
}
.hero-actions .btn-ghost {
  background: rgba(255,255,255,.14); color: var(--white); border-color: rgba(255,255,255,.35);
}
.hero-actions .btn-ghost:hover {
  background: rgba(255,255,255,.22); border-color: rgba(255,255,255,.55);
}
.hero-actions .btn-primary { padding: 16px 28px; font-size: 16px; }
.hero-stat {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 14px 22px 14px 14px;
  background: rgba(255,255,255,.92);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-3);
}
.hero-stat-avatars { display: flex; }
.hero-stat-avatar {
  width: 34px; height: 34px; border-radius: 50%;
  border: 2px solid var(--white);
  box-shadow: 0 1px 3px rgba(0,0,0,.12);
  object-fit: cover; margin-left: -8px;
  background: var(--brand-100);
}
.hero-stat-avatar:first-child { margin-left: 0; }
.hero-stat-text { text-align: left; }
.hero-stat-label { font-size: 12px; color: var(--ink-500); font-weight: 500; }
.hero-stat-value { font-size: 20px; font-weight: 700; color: var(--ink-900); letter-spacing: -0.02em; line-height: 1; margin-top: 2px; }
@media (max-width: 900px) {
  .hero { padding: 84px 14px 0; }
  .hero-card { min-height: min(calc(100dvh - 96px), 620px); border-radius: var(--r-xl); }
  .hero-inner { padding: 64px 24px 32px; }
}
@media (max-width: 720px) {
  .pill-nav { padding: 0 12px; }
  .pill-nav-inner { max-width: 100%; }
}
@media (max-width: 560px) {
  .hero-title { font-size: clamp(28px, 8vw, 40px); }
  .hero-stat { padding: 8px 18px 8px 10px; }
  .hero-stat-avatar { width: 28px; height: 28px; }
  .hero-stat-label { font-size: 11px; white-space: nowrap; }
  .hero-stat-value { font-size: 15px; }
}

/* Section base */
.section { padding: 96px 0; }
.section-narrow { padding: 72px 0; }
.section-eyebrow {
  display: inline-block;
  padding: 4px 12px;
  background: var(--brand-100); color: var(--brand-700);
  font-size: 12px; font-weight: 600;
  letter-spacing: 0.06em; text-transform: uppercase;
  border-radius: var(--r-round);
  margin-bottom: 16px;
}
.section-title {
  font-size: clamp(30px, 4.2vw, 48px); font-weight: 700;
  letter-spacing: -0.025em; line-height: 1.12;
  max-width: 1080px; margin: 0 auto 20px;
  text-align: center;
}
.section-title em { color: var(--accent-blue); }
.section-sub {
  font-size: clamp(16px, 1.2vw, 19px); color: var(--ink-700);
  max-width: 640px; margin: 0 auto 40px;
  text-align: center;
}
.section-head { text-align: center; }
@media (max-width: 720px) {
  .section { padding: 64px 0; }
  .section-narrow { padding: 48px 0; }
}

/* Reasons grid */
.reasons { background: var(--white); }
.reasons-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.reason-card {
  padding: 32px 24px;
  background: var(--ink-50);
  border-radius: var(--r-lg);
  border: 1px solid var(--ink-100);
  transition: transform .3s var(--ease-out), box-shadow .3s var(--ease-out);
}
.reason-card:hover { transform: translateY(-4px); box-shadow: var(--sh-2); }
.reason-icon {
  width: 52px; height: 52px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--brand-100); color: var(--brand-700);
  margin-bottom: 18px;
}
.reason-icon svg { width: 26px; height: 26px; }
.reason-title { font-size: 20px; font-weight: 700; letter-spacing: -0.02em; margin-bottom: 8px; }
.reason-copy { color: var(--ink-700); font-size: 15.5px; line-height: 1.5; }
@media (max-width: 900px) { .reasons-grid { grid-template-columns: 1fr; } }

/* Steps */
.steps { background: var(--ink-50); }
.steps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
  counter-reset: step;
}
.step-card {
  position: relative; padding: 32px 24px;
  background: var(--white); border-radius: var(--r-lg);
  border: 1px solid var(--ink-100);
}
.step-card::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  position: absolute; top: 20px; right: 24px;
  font-size: 28px; font-weight: 800;
  color: var(--brand-100);
  letter-spacing: -0.02em;
  font-family: 'Inter', sans-serif;
}
.step-title { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.step-copy { color: var(--ink-700); font-size: 15px; line-height: 1.5; }
@media (max-width: 900px) { .steps-grid { grid-template-columns: 1fr; } }

/* Brands strip */
.brands {
  padding: 48px 0 24px;
  background: var(--white);
  border-top: 1px solid var(--ink-100);
}
.brands-headline {
  font-size: 12px; color: var(--ink-500); text-align: center;
  text-transform: uppercase; letter-spacing: 0.1em;
  font-weight: 600; margin-bottom: 20px;
}
.brands-grid {
  display: flex; align-items: center; justify-content: space-around;
  gap: clamp(12px, 1.6vw, 24px); min-height: 48px; flex-wrap: wrap;
}
.brand-logo-img {
  flex: 0 1 auto; height: 32px; width: auto;
  max-width: 130px; object-fit: contain;
  opacity: .9; transition: opacity .2s;
}
.brand-logo-img:hover { opacity: 1; }
.brands-marquee-mobile { display: none; }
@media (max-width: 720px) {
  .brands-grid { display: none; }
  .brands-marquee-mobile {
    display: block; overflow: hidden; padding: 8px 0;
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 8%, #000 92%, transparent 100%);
            mask-image: linear-gradient(to right, transparent 0%, #000 8%, #000 92%, transparent 100%);
  }
  .brands-track-mobile {
    display: flex; align-items: center; gap: 42px; width: max-content;
    animation: brandsScroll 28s linear infinite; will-change: transform;
  }
  .brands-track-mobile img {
    flex: 0 0 auto; height: 28px; width: auto; max-width: 110px;
    object-fit: contain; opacity: .85;
  }
  @keyframes brandsScroll {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
  }
}
@media (prefers-reduced-motion: reduce) { .brands-track-mobile { animation: none; } }

/* Reviews */
.reviews { background: var(--white); }
.reviews-head {
  display: flex; flex-direction: column; align-items: center;
  gap: 20px; margin-bottom: 40px; text-align: center;
}
.reviews-stars { color: #ffb800; font-size: 20px; letter-spacing: 2px; }
.reviews-rating-meta { font-size: 13px; color: var(--ink-500); margin-top: 4px; }
.reviews-rating-meta strong { color: var(--ink-900); font-size: 16px; font-weight: 700; margin-right: 4px; }
.reviews-marquee {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 5%, #000 95%, transparent 100%);
          mask-image: linear-gradient(to right, transparent 0%, #000 5%, #000 95%, transparent 100%);
  padding: 8px 0 12px;
}
.reviews-track {
  display: flex; gap: 20px; width: max-content;
  animation: reviewsScroll 80s linear infinite; will-change: transform;
}
.reviews-marquee:hover .reviews-track { animation-play-state: paused; }
@keyframes reviewsScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) { .reviews-track { animation: none; } }
.review-card {
  padding: 24px; background: var(--white);
  border-radius: var(--r-xl);
  border: 1px solid var(--ink-100);
  display: flex; flex-direction: column;
  width: 340px; flex-shrink: 0;
  transition: transform .3s var(--ease-out), box-shadow .3s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--sh-3); }
.review-stars { color: #ffb800; font-size: 14px; letter-spacing: 2px; margin-bottom: 12px; }
.review-card p {
  font-size: 15px; color: var(--ink-800); line-height: 1.55;
  margin: 0 0 16px;
}
.review-card footer { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.review-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  border: 2px solid var(--white); object-fit: cover;
  box-shadow: var(--sh-1); flex-shrink: 0; background: var(--brand-100);
}
.review-card footer strong { display: block; font-size: 14px; color: var(--ink-900); }
.review-card footer span  { display: block; font-size: 12px; color: var(--ink-500); }

/* FAQ */
.faq { background: var(--ink-50); }
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white); border-radius: var(--r-md);
  border: 1px solid var(--ink-100); overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px 22px;
  font-size: 16px; font-weight: 600; color: var(--ink-900);
  text-align: left; transition: background .2s;
}
.faq-question:hover { background: var(--ink-50); }
.faq-question svg { flex-shrink: 0; width: 20px; height: 20px; transition: transform .3s var(--ease-spring); color: var(--ink-500); }
.faq-item[aria-expanded="true"] .faq-question svg { transform: rotate(180deg); color: var(--cta-500); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease-out); }
.faq-item[aria-expanded="true"] .faq-answer { max-height: 400px; }
.faq-answer > div { padding: 4px 22px 20px; color: var(--ink-700); font-size: 15px; line-height: 1.6; }

/* Final CTA */
.final-cta {
  background: linear-gradient(160deg, var(--brand-800) 0%, var(--brand-900) 100%);
  color: var(--white); text-align: center;
  padding: 96px 0;
}
.final-cta .section-title { color: var(--white); }
.final-cta .section-title em { color: var(--accent-warm); }
.final-cta .section-sub { color: rgba(255,255,255,.85); }
.final-cta-actions { display: inline-flex; gap: 12px; margin-top: 8px; flex-wrap: wrap; justify-content: center; }

/* Footer */
.site-footer {
  background: var(--ink-900); color: rgba(255,255,255,.7);
  padding: 48px 0 32px; font-size: 13px;
}
.site-footer a { color: rgba(255,255,255,.85); text-decoration: underline; text-underline-offset: 3px; }
.site-footer a:hover { color: var(--cta-500); }
.footer-inner { display: flex; flex-direction: column; align-items: center; gap: 18px; text-align: center; }
.footer-logo { height: 32px; width: auto; opacity: .9; }
.footer-links { display: flex; gap: 20px; flex-wrap: wrap; justify-content: center; }
.footer-copy { max-width: 720px; font-size: 12px; color: rgba(255,255,255,.55); line-height: 1.6; }

/* Floating CTA (mobile) */
.floating-cta {
  position: fixed; bottom: 12px; left: 12px; right: 12px; z-index: 40;
  display: none;
  transform: translateY(120%);
  transition: transform .3s var(--ease-spring);
}
.floating-cta.visible { transform: translateY(0); }
.floating-cta .btn { width: 100%; padding: 16px; font-size: 16px; box-shadow: 0 12px 30px -6px rgba(0,0,0,.3); }
@media (max-width: 860px) {
  .floating-cta { display: block; }
  .page-main { padding-bottom: 80px; }
}

/* Form popup */
.popup-overlay {
  display: none; position: fixed; inset: 0; z-index: 100;
  background: rgba(14,26,19,.55);
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  align-items: flex-end; justify-content: center;
  animation: overlay-fade .28s var(--ease-out);
}
.popup-overlay.active { display: flex; }
@keyframes overlay-fade { from { opacity: 0; } to { opacity: 1; } }
.popup-content {
  width: 100%; max-width: 100vw;
  height: 100dvh; max-height: 100dvh;
  background: #fffdf7;
  display: flex; flex-direction: column;
  overflow: hidden;
  box-shadow: 0 -20px 60px rgba(0,0,0,.25);
  animation: sheet-up .55s cubic-bezier(.22, 1, .36, 1);
  position: relative;
}
@keyframes sheet-up { from { transform: translateY(100%); } to { transform: translateY(0); } }
@media (min-width: 720px) {
  .popup-overlay { align-items: stretch; padding: 0; }
  .popup-content {
    height: 100dvh; max-height: 100dvh;
    animation: fade-in .4s var(--ease-out); box-shadow: none;
  }
  @keyframes fade-in {
    from { opacity: 0; transform: scale(1.015); }
    to   { opacity: 1; transform: scale(1); }
  }
  .popup-header,
  .popup-body,
  .popup-footer,
  .form-thankyou {
    max-width: 720px; width: 100%;
    margin-left: auto; margin-right: auto;
  }
  .popup-header { padding: 24px 40px 20px; }
  .popup-body   { padding: 32px 40px 40px; }
}
.popup-header { position: relative; padding: 20px 20px 16px; flex-shrink: 0; }
.popup-header-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding-bottom: 14px;
}
.popup-back,
.popup-close {
  width: 40px; height: 40px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: transparent; color: var(--ink-500);
  transition: background .18s, color .18s;
}
.popup-back:hover, .popup-close:hover { background: var(--ink-100); color: var(--ink-900); }
.popup-back svg, .popup-close svg { width: 20px; height: 20px; }
.popup-logo { height: 26px; width: auto; }
.progress-bar {
  height: 3px; background: var(--ink-100); overflow: hidden;
}
.progress-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #ffd08a, var(--cta-500));
  width: 0;
  transition: width .6s var(--ease-spring);
}
@media (max-width: 480px) {
  .popup-header .progress-bar { display: none; }
}
.popup-body {
  flex: 1; overflow-y: auto;
  padding: 24px 20px 24px;
  -webkit-overflow-scrolling: touch;
}
.form-step {
  display: none;
  animation: step-in .35s var(--ease-spring);
}
.form-step.active { display: block; }
@keyframes step-in {
  from { opacity: 0; transform: translateX(24px); }
  to   { opacity: 1; transform: translateX(0); }
}
@media (prefers-reduced-motion: reduce) {
  .form-step,
  .popup-overlay,
  .popup-content,
  .progress-bar-fill { animation: none; transition: none; }
}
.step-headline {
  font-size: 22px; font-weight: 700; letter-spacing: -0.02em;
  color: var(--ink-900); margin: 0 auto 8px;
  text-align: center; max-width: 520px;
}
.step-sub {
  color: var(--ink-700); font-size: 14.5px;
  margin: 0 auto 24px; text-align: center;
  max-width: 520px; line-height: 1.55;
}
.step-sub a { color: var(--cta-700); text-decoration: underline; text-underline-offset: 3px; }

/* Fields */
.field-group { margin-bottom: 18px; }
.field-label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--ink-700); margin-bottom: 8px;
}
.field-input {
  width: 100%; padding: 14px 16px;
  border: 1.5px solid var(--ink-200);
  border-radius: var(--r-md);
  background: var(--white);
  font-size: 16px; color: var(--ink-900);
  transition: border-color .18s, box-shadow .18s;
  -webkit-appearance: none; appearance: none;
}
.field-input::placeholder { color: var(--ink-400); }
.field-input:focus {
  outline: none; border-color: var(--cta-500);
  box-shadow: 0 0 0 4px rgba(247,146,33,.15);
}
.field-error { display: none; color: var(--danger); font-size: 13px; margin-top: 6px; }
.field-group.invalid .field-input {
  border-color: var(--danger);
  box-shadow: 0 0 0 4px rgba(217,48,37,.08);
}
.field-group.invalid .field-error { display: block; }
.field-row-two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 480px) { .field-row-two { gap: 8px; } }

.field-phone {
  display: flex; align-items: stretch;
  border: 1.5px solid var(--ink-200);
  border-radius: var(--r-md);
  background: var(--white); overflow: hidden;
  transition: border-color .18s, box-shadow .18s;
}
.field-phone:focus-within {
  border-color: var(--cta-500);
  box-shadow: 0 0 0 4px rgba(247,146,33,.15);
}
.field-phone-prefix {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 0 12px 0 14px;
  background: var(--ink-50); color: var(--ink-700);
  font-weight: 600; font-size: 15px;
  border-right: 1px solid var(--ink-200);
  flex-shrink: 0;
}
.field-phone-flag { font-size: 18px; line-height: 1; }
.field-phone input {
  flex: 1; min-width: 0;
  border: 0; outline: none; background: transparent;
  padding: 14px 16px; font-size: 16px; color: var(--ink-900);
}
.field-phone input::placeholder { color: var(--ink-400); }
.field-group.invalid .field-phone {
  border-color: var(--danger);
  box-shadow: 0 0 0 4px rgba(217,48,37,.08);
}

/* Radio cards */
.radio-list { display: flex; flex-direction: column; gap: 10px; }
.radio-card {
  position: relative;
  display: flex; align-items: center; gap: 14px;
  padding: 18px 20px; min-height: 60px;
  background: var(--white);
  border: 1.5px solid var(--ink-200);
  border-radius: var(--r-md);
  cursor: pointer; font-weight: 600; color: var(--ink-800);
  transition:
    transform .18s var(--ease-out),
    border-color .18s, background .18s, box-shadow .18s;
}
.radio-card:hover { border-color: #ffcf94; background: #fff8ee; }
.radio-card:active { transform: scale(.985); }
.radio-card input[type="radio"] {
  appearance: none; -webkit-appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  border: 2px solid var(--ink-300);
  cursor: pointer; position: relative; flex-shrink: 0;
  transition: border-color .18s; margin: 0;
}
.radio-card input[type="radio"]:checked { border-color: var(--cta-500); }
.radio-card input[type="radio"]:checked::after {
  content: '';
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 12px; height: 12px;
  background: var(--cta-500); border-radius: 50%;
}
.radio-card:has(input:checked) {
  border-color: var(--cta-500);
  background: #fff5e3;
  box-shadow: 0 0 0 4px rgba(247,146,33,.14);
}
.radio-card-text { display: flex; flex-direction: column; }
.radio-card-title { font-size: 15.5px; font-weight: 600; color: var(--ink-900); }
.radio-card-desc  { font-size: 12.5px; font-weight: 400; color: var(--ink-500); margin-top: 2px; }

.radio-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.radio-row .radio-card {
  justify-content: center; text-align: center;
  flex-direction: column; padding: 24px 16px; gap: 8px;
}
.radio-row .radio-card input { display: none; }
.radio-row .radio-card-title { font-size: 17px; }

/* Gender-couple: two stacked You/Partner picker groups */
.gender-couple { display: flex; flex-direction: column; gap: 16px; max-width: 480px; margin: 0 auto; }
.gender-couple-fieldset { border: 0; padding: 0; margin: 0; }
.gender-couple-legend {
  font-size: 12px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--ink-500);
  margin-bottom: 8px; padding: 0;
}

/* Combined-input row (two number inputs side by side) */
.combined-input .field-label {
  font-size: 12px; font-weight: 700; letter-spacing: 0.06em;
  color: var(--ink-500); text-transform: uppercase;
  display: block; margin-bottom: 6px;
}

/* Multiselect */
.multi-list { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 520px) { .multi-list { grid-template-columns: 1fr; } }
.multi-card {
  position: relative;
  display: flex; align-items: center; gap: 12px;
  padding: 14px 16px; min-height: 56px;
  background: var(--white);
  border: 1.5px solid var(--ink-200);
  border-radius: var(--r-md);
  cursor: pointer;
  font-weight: 600; font-size: 14.5px; color: var(--ink-800);
  transition: border-color .18s, background .18s, box-shadow .18s, transform .18s var(--ease-out);
}
.multi-card:hover { border-color: #ffcf94; background: #fff8ee; }
.multi-card:active { transform: scale(.985); }
.multi-card input { display: none; }
.multi-card-check {
  width: 22px; height: 22px; border-radius: 6px;
  border: 2px solid var(--ink-300);
  flex-shrink: 0;
  display: inline-flex; align-items: center; justify-content: center;
  transition: border-color .18s, background .18s;
}
.multi-card-check svg { width: 14px; height: 14px; color: var(--white); opacity: 0; transition: opacity .18s; }
.multi-card.selected {
  border-color: var(--cta-500);
  background: #fff5e3;
  box-shadow: 0 0 0 4px rgba(247,146,33,.14);
}
.multi-card.selected .multi-card-check {
  background: var(--cta-500); border-color: var(--cta-500);
}
.multi-card.selected .multi-card-check svg { opacity: 1; }

/* Slider */
.slider-wrap { padding: 0 4px; margin-bottom: 8px; }
.slider-value {
  text-align: center;
  font-size: clamp(32px, 8vw, 44px);
  font-weight: 800; letter-spacing: -0.03em;
  color: var(--ink-900); line-height: 1;
  margin: 8px 0 4px;
  font-variant-numeric: tabular-nums;
}
.slider-value-currency {
  font-size: 0.55em; vertical-align: 0.35em;
  color: var(--cta-500); margin-right: 2px; font-weight: 700;
}
.slider-hint { text-align: center; color: var(--ink-500); font-size: 13px; margin-bottom: 24px; }
.slider-input {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px;
  background: var(--ink-100);
  border-radius: 999px; outline: none;
  transition: background .18s;
  margin: 8px 0 16px;
}
.slider-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--cta-500);
  border: 3px solid var(--white);
  box-shadow: 0 4px 12px rgba(247,146,33,.35);
  cursor: pointer;
  transition: transform .18s var(--ease-spring);
}
.slider-input::-webkit-slider-thumb:active { transform: scale(1.15); }
.slider-input::-moz-range-thumb {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--cta-500);
  border: 3px solid var(--white);
  box-shadow: 0 4px 12px rgba(247,146,33,.35);
  cursor: pointer;
}
.slider-scale {
  display: flex; justify-content: space-between;
  font-size: 12px; color: var(--ink-500);
  padding: 0 2px;
}

/* Nav */
.form-nav { margin-top: 24px; }
.form-nav-split { display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px; }
.form-nav-single { display: grid; }
.form-nav .btn { width: 100%; padding: 16px; font-size: 16px; }
.skip-link {
  display: block; margin: 14px auto 0;
  padding: 8px 12px;
  background: transparent; border: 0;
  color: var(--ink-500); font-size: 14px; font-weight: 500;
  cursor: pointer;
  text-decoration: underline; text-underline-offset: 3px;
  text-decoration-color: var(--ink-300);
  transition: color .18s;
}
.skip-link:hover { color: var(--cta-600); text-decoration-color: var(--cta-500); }

/* OTP */
.otp-digits {
  display: flex; gap: 10px; justify-content: center;
  margin: 4px 0 12px;
}
.otp-digit {
  width: 48px; height: 58px;
  text-align: center; font-size: 24px; font-weight: 700;
  color: var(--ink-900);
  border: 1.5px solid var(--ink-200);
  border-radius: var(--r-md);
  background: var(--white);
  -webkit-appearance: none; appearance: none;
  transition: border-color .18s, box-shadow .18s;
}
.otp-digit:focus {
  outline: none; border-color: var(--cta-500);
  box-shadow: 0 0 0 4px rgba(247,146,33,.15);
}
.otp-error {
  min-height: 18px; text-align: center;
  color: var(--danger); font-size: 13px; margin: 0 0 10px;
}
.otp-change {
  display: block; text-align: center; margin-top: 8px;
  background: transparent; border: 0;
  color: var(--ink-500); font-size: 13.5px;
  text-decoration: underline; text-underline-offset: 3px;
  cursor: pointer;
}

/* OTP action row: Resend  •  Change number, centred under the digits */
.otp-actions {
  display: flex; align-items: center; justify-content: center;
  gap: 12px; margin-top: 14px;
  font-size: 13.5px;
}
.otp-actions .otp-link {
  background: transparent;
  border: 0;
  padding: 4px 6px;
  color: var(--ink-500);
  font-size: 13.5px;
  font-weight: 600;
  cursor: pointer;
  transition: color .18s var(--ease-out);
}
.otp-actions .otp-link:not(:disabled) {
  color: var(--ink-800);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.otp-actions .otp-link:not(:disabled):hover { color: var(--cta-600); }
.otp-actions .otp-link:disabled {
  cursor: default;
  color: var(--ink-400);
  font-variant-numeric: tabular-nums;
}
.otp-actions .otp-link-active { color: var(--cta-600) !important; }
.otp-actions-sep { color: var(--ink-300); font-weight: 700; }
.otp-error.otp-sent { color: var(--brand-600); }
@media (max-width: 480px) {
  .otp-digits { gap: 7px; }
  .otp-digit  { width: 44px; height: 54px; font-size: 21px; }
}

/* =============================================================================
   Batch 2 overrides: hero image layout, mobile brands, combined-input, etc.
   ============================================================================= */

/* --- Hero: two columns (content left, family photo right) ---------------- */
.hero-card {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  align-items: center;
  gap: 32px;
  background: #ffffff;
  min-height: 560px;
  padding: 56px 48px;
  overflow: hidden;
}
.hero-inner {
  position: relative;
  z-index: 2;
  padding: 0;
  max-width: none;
  margin: 0;
  align-items: flex-start;
  text-align: left;
}
.hero-title {
  color: var(--ink-900);
  text-shadow: none;
  margin: 0 0 18px;
}
.hero-subtitle {
  color: var(--ink-700);
  text-shadow: none;
  margin: 0 0 28px;
  max-width: 560px;
}
.hero-trustline {
  color: var(--ink-500);
  text-align: left;
  margin-top: 20px;
  border-top: none;
  padding-top: 0;
  font-weight: 500;
}
.hero-actions { justify-content: flex-start; margin-top: 20px; margin-bottom: 0; }

/* Family photo column */
.hero-photo {
  display: flex; align-items: center; justify-content: center;
  height: 100%;
  min-height: 480px;
}
.hero-photo-img {
  max-width: 100%;
  max-height: 520px;
  width: auto;
  height: auto;
  object-fit: contain;
}

@media (max-width: 900px) {
  .hero-card {
    grid-template-columns: 1fr;
    padding: 40px 24px 32px;
    min-height: 0;
    gap: 20px;
    text-align: center;
  }
  .hero-inner { align-items: center; text-align: center; }
  .hero-subtitle { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-trustline { text-align: center; }
  .hero-photo { min-height: 0; order: 2; }
  .hero-photo-img { max-height: 360px; }
}

/* --- Mobile partner logos: sliding + colour (no grey filter) ------------- */
@media (max-width: 720px) {
  .brands-grid {
    display: flex;
    justify-content: flex-start;
    flex-wrap: nowrap;
    overflow: hidden;
    gap: 40px;
    padding: 0 6px;
    -webkit-mask-image: linear-gradient(to right, transparent 0, #000 6%, #000 94%, transparent 100%);
            mask-image: linear-gradient(to right, transparent 0, #000 6%, #000 94%, transparent 100%);
  }
  .brands-grid .brand-logo-img {
    height: 28px;
    filter: none;
    opacity: 1;
    flex-shrink: 0;
    animation: brands-scroll-mobile 22s linear infinite;
  }
  @keyframes brands-scroll-mobile {
    from { transform: translateX(0); }
    to   { transform: translateX(calc(-100% - 40px)); }
  }
}

/* --- Mobile "How it works": hide review side-cards ---------------------- */
@media (max-width: 900px) {
  .how-review-stack { display: none; }
  .how-layout { grid-template-columns: 1fr; }
}

/* --- Combined-input (couple ages): stack vertically ---------------------- */
.popup-body .combined-input {
  display: flex;
  flex-direction: column;
  max-width: 340px;
  margin: 0 auto;
  gap: 14px;
}
.popup-body .combined-input .field-group {
  margin-bottom: 0;
  width: 100%;
}
.popup-body .combined-input .field-input {
  width: 100%;
  min-width: 0;
  padding: 14px 16px;
  font-size: 18px;
  text-align: left;
  box-sizing: border-box;
}

/* --- Slider value input: single-click ---------------------------------- */
/* The container was intercepting pointer events before the input got focus.
   Restore direct hit-testing on the input so one tap = focus + edit. */
.popup-body .slider-value-row { cursor: text; }
.popup-body .slider-value-input { cursor: text; pointer-events: auto; }

/* Consent row — sits centered under the CTA, hugs its own text width */
.consent-row {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 16px;
  background: #fff5e3;
  border-radius: var(--r-round);
  width: fit-content;
  max-width: 100%;
  margin: 18px auto 0;
  font-size: 12.5px; color: var(--ink-700); line-height: 1.5;
}
.consent-row svg {
  flex-shrink: 0; width: 18px; height: 18px;
  color: var(--cta-600); margin-top: 2px;
}
.consent-row a { color: var(--cta-700); text-decoration: underline; text-underline-offset: 3px; }

/* Popup footer */
.popup-footer {
  padding: 12px 20px calc(20px + env(safe-area-inset-bottom));
  text-align: center;
  font-size: 11.5px; color: var(--ink-500);
  flex-shrink: 0;
  border-top: 1px solid rgba(247,146,33,.15);
  background: #fff5e3;
}

/* In-popup thank-you */
.form-thankyou { display: none; padding: 24px 20px 32px; text-align: center; }
.form-thankyou.active { display: block; }
.form-thankyou h2 {
  font-size: 26px; font-weight: 700; letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.form-thankyou p { color: var(--ink-700); font-size: 15px; margin-bottom: 8px; }

/* Terms modal */
.terms-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 110;
  background: rgba(14,26,19,.55);
  backdrop-filter: blur(6px);
  align-items: center; justify-content: center;
  animation: overlay-fade .2s var(--ease-out);
}
.terms-overlay.active { display: flex; }
.terms-content {
  width: min(720px, 92vw);
  max-height: 82vh;
  background: var(--white);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-4);
  display: flex; flex-direction: column;
  overflow: hidden;
}
.terms-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 24px;
  border-bottom: 1px solid var(--ink-100);
}
.terms-header h2 { font-size: 18px; font-weight: 700; }
.terms-body { padding: 0; flex: 1; overflow: hidden; }
.terms-body iframe { width: 100%; height: 100%; min-height: 60vh; border: 0; }
.terms-close {
  width: 36px; height: 36px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: transparent; color: var(--ink-500);
}
.terms-close:hover { background: var(--ink-100); color: var(--ink-900); }

/* Utilities */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* =============================================================================
   Life & Trauma landing — content blocks (uninsured variant)
   ============================================================================= */

/* Shared -------------------------------------------------------------------- */
.section-head-left { text-align: left; max-width: 720px; margin: 0 auto 32px; }
.section-sub-tight { margin-top: 12px; }
.section-actions {
  display: flex; justify-content: center; margin-top: 32px;
}

/* Hero overrides for the new brief --------------------------------------- */
.hero-title,
.hero-title em,
.section-title,
.section-title em,
.cost-title,
.split-title,
.money-col-title,
.how-step-title,
.final-cta .section-title,
.final-cta .section-title em {
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-style: normal;
  font-weight: 800;
}
.hero-title em,
.section-title em,
.final-cta .section-title em {
  font-weight: 800;
}
.money-note { font-family: 'Manrope', sans-serif; font-style: normal; font-weight: 700; }
.hero-trustline {
  color: rgba(255,255,255,.85);
  font-size: 14px;
  font-weight: 500;
  margin-top: 20px;
  letter-spacing: 0.005em;
}
.hero-logo-strip {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,.14);
  display: flex; align-items: center; gap: 22px; flex-wrap: wrap;
}
.hero-logo-strip img {
  height: 18px; width: auto; opacity: .55;
  filter: grayscale(1) brightness(1.9) contrast(.9);
}
@media (max-width: 720px) {
  .hero-logo-strip { gap: 14px; }
  .hero-logo-strip img { height: 14px; }
}

/* Block 2 — Life vs Trauma split panel with arrows ------------------------ */
.split-section { background: var(--white); }
.split-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 40px;
}
.split-side {
  padding: 32px 28px;
  border-radius: var(--r-lg);
  background: var(--ink-50);
  border: 1px solid var(--ink-100);
  display: flex; flex-direction: column;
}
.split-side.trauma {
  background: #fff8ee;
  border-color: #ffdcb0;
}
.split-eyebrow {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brand-700);
  margin-bottom: 10px;
}
.split-side.trauma .split-eyebrow { color: var(--cta-700); }
.split-title {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 22px;
  color: var(--ink-900);
}
.split-scene {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 14px;
  padding: 18px 8px 22px;
  margin-bottom: 18px;
  border-top: 1px dashed var(--ink-200);
  border-bottom: 1px dashed var(--ink-200);
}
.split-side.trauma .split-scene {
  border-top-color: #ffd1a0;
  border-bottom-color: #ffd1a0;
}
.split-actor {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  color: var(--ink-700);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.split-actor svg {
  width: 44px; height: 44px;
  padding: 8px;
  background: var(--white);
  border: 1px solid var(--ink-200);
  border-radius: 50%;
  color: var(--ink-700);
}
.split-actor-accent svg {
  background: var(--cta-500);
  border-color: var(--cta-500);
  color: var(--white);
}
.split-arrow {
  width: 100%;
  height: 24px;
  color: var(--brand-500);
}
.split-side.trauma .split-arrow { color: var(--cta-500); }
.split-copy {
  color: var(--ink-700);
  font-size: 15.5px;
  line-height: 1.55;
  margin-top: auto;
}

@media (max-width: 720px) {
  .split-panel { grid-template-columns: 1fr; gap: 16px; margin-top: 28px; }
  .split-side { padding: 26px 22px; }
  .split-title { font-size: 19px; margin-bottom: 16px; }
}

/* Checkbox variant: side-by-side panels — one ticked (life, sorted, muted),
   one empty (trauma, missing, accent orange). Used on the insured page. */
.split-panel-checkbox {
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  max-width: 1000px;
  margin: 40px auto 0;
}
.checkbox-card {
  padding: 34px 30px 30px;
  border-radius: var(--r-lg);
  background: var(--white);
  border: 1px solid var(--ink-100);
  display: flex; flex-direction: column;
  gap: 12px;
  position: relative;
  box-shadow: 0 20px 40px -18px rgba(15, 42, 26, 0.12);
  transition: transform .3s var(--ease-out), box-shadow .3s var(--ease-out);
}
.checkbox-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 26px 48px -18px rgba(15, 42, 26, 0.18);
}
.checkbox-card-sorted {
  background: var(--ink-50);
  border-color: var(--ink-200);
}
.checkbox-card-missing {
  background: #fff8ee;
  border: 2px dashed rgba(247, 146, 33, 0.55);
  box-shadow: 0 20px 40px -18px rgba(197, 100, 8, 0.20);
}
.checkbox-visual {
  display: flex; align-items: center; justify-content: center;
  width: 68px; height: 68px;
  margin-bottom: 6px;
}
.checkbox-tick {
  width: 68px; height: 68px;
  border-radius: 50%;
  background: var(--brand-500);
  color: var(--white);
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.25),
    0 8px 20px -6px rgba(23, 132, 58, 0.4);
}
.checkbox-tick svg { width: 34px; height: 34px; }
.checkbox-empty {
  width: 60px; height: 60px;
  border-radius: 14px;
  border: 3px dashed var(--cta-500);
  background: transparent;
}
.checkbox-status {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-500);
}
.checkbox-card-missing .checkbox-status { color: var(--cta-700); }
.checkbox-title {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink-900);
}
.checkbox-card-sorted .checkbox-title { color: var(--ink-700); }
.checkbox-copy {
  color: var(--ink-700);
  font-size: 15.5px;
  line-height: 1.55;
  margin-top: 4px;
}
@media (max-width: 720px) {
  .split-panel-checkbox { grid-template-columns: 1fr; gap: 16px; margin-top: 28px; }
  .checkbox-card { padding: 28px 24px 26px; }
  .checkbox-title { font-size: 21px; }
}

/* Illustration variant: the two ChatGPT artwork panels stand in for the split cards.
   Each image already contains the eyebrow + headline + scene + caption baked in. */
.split-panel-illus {
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 1180px;
  margin: 40px auto 0;
}
.split-illus {
  margin: 0;
  border-radius: 24px;
  overflow: hidden;
  background: transparent;
  box-shadow: 0 20px 40px -18px rgba(15, 42, 26, 0.18);
  transition: transform .3s var(--ease-out), box-shadow .3s var(--ease-out);
}
.split-illus:hover {
  transform: translateY(-3px);
  box-shadow: 0 26px 48px -18px rgba(15, 42, 26, 0.24);
}
.split-illus img {
  display: block;
  width: 100%;
  height: auto;
}
@media (max-width: 720px) {
  .split-panel-illus { grid-template-columns: 1fr; gap: 16px; margin-top: 28px; }
  .split-illus { border-radius: 20px; }
}

/* Block 3 — ACC gap tick/cross grid --------------------------------------- */
.acc-section { background: var(--ink-50); }
.gap-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 40px auto 0;
  max-width: 900px;
}
.gap-col {
  padding: 30px 28px;
  border-radius: var(--r-lg);
  background: var(--white);
  border: 1px solid var(--ink-200);
}
.gap-col.covered {
  border-color: var(--brand-300);
  background: var(--brand-50);
}
.gap-col.not-covered {
  background: var(--white);
}
.gap-col-title {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-500);
  margin-bottom: 18px;
}
.gap-col.covered .gap-col-title { color: var(--brand-700); }
.gap-list {
  display: flex; flex-direction: column; gap: 12px;
}
.gap-list li {
  display: flex; align-items: center; gap: 14px;
  font-size: 17px;
  font-weight: 600;
  color: var(--ink-900);
  letter-spacing: -0.005em;
}
.gap-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.gap-icon svg { width: 16px; height: 16px; }
.gap-list-covered .gap-icon {
  background: var(--brand-500);
  color: var(--white);
}
.gap-list-not-covered .gap-icon {
  background: var(--ink-200);
  color: var(--ink-500);
}
.gap-list-not-covered li {
  color: var(--ink-500);
}
.acc-source {
  text-align: center;
  color: var(--ink-500);
  font-size: 12.5px;
  margin-top: 20px;
  font-style: italic;
}
@media (max-width: 720px) {
  .gap-grid { grid-template-columns: 1fr; gap: 14px; }
  .gap-col { padding: 24px 22px; }
  .gap-list li { font-size: 15.5px; }
}

/* Block 4 — $500k stacked bar --------------------------------------------- */
.bar-section { background: var(--white); }
.bar-block {
  max-width: 780px;
  margin: 40px auto 0;
}
.bar-total {
  text-align: center;
  color: var(--ink-500);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.bar-total strong { color: var(--ink-900); font-size: 16px; margin-left: 4px; letter-spacing: -0.01em; }
.bar-visual {
  display: flex;
  border-radius: var(--r-md);
  overflow: hidden;
  box-shadow: var(--sh-2);
  margin-bottom: 32px;
  min-height: 108px;
}
.bar-seg {
  padding: 22px 26px;
  color: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
}
.bar-seg-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  opacity: .88;
}
.bar-seg-value {
  font-size: 30px;
  font-weight: 800;
  letter-spacing: -0.02em;
  font-family: 'Manrope', sans-serif;
}
.bar-seg.trauma { background: var(--cta-500); flex: 2; }
.bar-seg.life   { background: var(--brand-700); flex: 3; }

.bar-story { display: flex; flex-direction: column; gap: 14px; }
.bar-caption {
  color: var(--ink-800);
  font-size: 16.5px;
  line-height: 1.6;
}
.bar-caption strong { color: var(--ink-900); font-weight: 700; }
.bar-caption-muted { color: var(--ink-700); font-size: 15px; }

.bar-disclosure {
  color: var(--ink-700);
  font-size: 14.5px;
  line-height: 1.55;
  padding: 16px 20px;
  background: var(--ink-50);
  border-radius: var(--r-sm);
  border-left: 3px solid var(--ink-300);
  margin-top: 22px;
}

@media (max-width: 560px) {
  .bar-visual { flex-direction: column; min-height: 0; }
  .bar-seg { padding: 18px 22px; }
  .bar-seg-value { font-size: 26px; }
}

/* Block 5 — What the money is for ----------------------------------------- */
.money-section { background: var(--ink-50); }
.money-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 1000px;
  margin: 40px auto 0;
}
.money-col {
  padding: 34px 30px;
  border-radius: var(--r-lg);
  background: #fff8ee;
  border: 1px solid #ffdcb0;
  display: flex; flex-direction: column; gap: 12px;
}
.money-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--cta-500);
  color: var(--white);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 4px;
}
.money-icon svg { width: 22px; height: 22px; }
.money-col-title {
  font-size: 20px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink-900);
}
.money-col-list {
  display: flex; flex-direction: column; gap: 10px;
  color: var(--ink-800);
  font-size: 15.5px;
  line-height: 1.55;
}
.money-col-list li {
  padding-left: 20px;
  position: relative;
}
.money-col-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 10px;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--cta-500);
}
.money-note {
  text-align: center;
  color: var(--ink-800);
  font-size: 17px;
  font-weight: 600;
  margin-top: 28px;
  font-style: italic;
  font-family: 'Fraunces', serif;
}
@media (max-width: 720px) {
  .money-grid { grid-template-columns: 1fr; gap: 14px; }
  .money-col { padding: 28px 24px; }
}

/* 4-cell feature grid variant (2x2 on desktop, 1-col on mobile) ----------- */
.feature-grid-4 { grid-template-columns: 1fr 1fr; }
.feature-grid-4 .money-col-copy {
  color: var(--ink-700);
  font-size: 15.5px;
  line-height: 1.55;
}

/* Section 06 (compare-life-cover): "Who We Are" prose panel -------------- */
.whowe-section { background: var(--ink-50); }
.whowe-prose {
  max-width: 780px;
  margin: 32px auto 0;
  padding: 32px 30px;
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--ink-100);
  box-shadow: var(--sh-1);
}
.whowe-prose p {
  color: var(--ink-800);
  font-size: 16.5px;
  line-height: 1.7;
  margin-bottom: 16px;
}
.whowe-prose p:last-child { margin-bottom: 0; }
.whowe-section .section-actions { margin-top: 28px; }

/* Block 5 — Can you add it (insured page) --------------------------------- */
.addit-section { background: var(--ink-50); }
.addit-list {
  max-width: 780px;
  margin: 40px auto 0;
  display: flex; flex-direction: column;
  gap: 22px;
}
.addit-item {
  padding: 26px 28px;
  background: var(--white);
  border-radius: var(--r-md);
  border: 1px solid var(--ink-100);
  box-shadow: var(--sh-1);
}
.addit-q {
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--ink-900);
  margin-bottom: 8px;
}
.addit-a {
  color: var(--ink-700);
  font-size: 16px;
  line-height: 1.6;
}
@media (max-width: 720px) {
  .addit-list { gap: 14px; margin-top: 28px; }
  .addit-item { padding: 22px 22px; }
  .addit-q { font-size: 17px; }
}

/* Block 6 — Cover review band (insured page). Distinct warm band so it reads
   as a second offer, not a continuation of the trauma argument. */
.review-band-section {
  background: linear-gradient(180deg, #fff8ee 0%, #ffe8c9 100%);
}
.review-band-inner {
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
}
.review-band-lead {
  color: var(--ink-800);
  font-size: 17px;
  line-height: 1.65;
  margin-bottom: 16px;
}
.review-band-cost {
  color: var(--ink-700);
  font-size: 14.5px;
  line-height: 1.65;
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid rgba(184, 148, 78, 0.25);
}
.review-band-section .section-actions { margin-top: 24px; }

/* Block 6 — Cost (unused on insured, kept for uninsured parity) ----------- */
.cost-section { background: var(--white); }
.cost-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.cost-title {
  font-size: clamp(30px, 4.4vw, 44px);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 28px;
  color: var(--ink-900);
}
.cost-lead {
  color: var(--ink-800);
  font-size: 18px;
  line-height: 1.6;
  margin-bottom: 20px;
}
.cost-body {
  color: var(--ink-700);
  font-size: 15.5px;
  line-height: 1.65;
  margin-bottom: 16px;
}
.cost-body-lead {
  color: var(--ink-900);
  font-weight: 600;
  font-size: 17px;
  margin-top: 24px;
}
.cost-section .section-actions { margin-top: 28px; }

/* Block 7 — How it works (steps + reviews) -------------------------------- */
.how-section { background: var(--ink-50); }
.how-layout {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 56px;
  align-items: start;
  max-width: 1040px;
  margin: 0 auto;
}
.how-steps {
  display: flex; flex-direction: column; gap: 26px;
}
.how-step {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 18px;
  align-items: start;
}
.how-step-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--brand-700);
  color: var(--white);
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 18px;
  letter-spacing: -0.01em;
}
.how-step-title {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin-bottom: 6px;
  display: flex; align-items: center; gap: 10px; flex-wrap: wrap;
}
.how-step-clock {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 11.5px; font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--cta-700);
  background: #fff8ee;
  padding: 3px 10px;
  border-radius: var(--r-round);
}
.how-step-clock svg { width: 12px; height: 12px; }
.how-step-copy {
  color: var(--ink-700);
  font-size: 15.5px;
  line-height: 1.55;
}

.how-review-stack { display: flex; flex-direction: column; gap: 16px; }
.how-review {
  padding: 22px 22px 20px;
  background: var(--white);
  border-radius: var(--r-md);
  border: 1px solid var(--ink-100);
  box-shadow: var(--sh-1);
}
.how-review-stars {
  color: #ffb800;
  font-size: 14px;
  letter-spacing: 3px;
  margin-bottom: 10px;
}
.how-review-quote {
  color: var(--ink-800);
  font-size: 15px;
  line-height: 1.55;
  margin-bottom: 14px;
}
.how-review-meta {
  display: flex; align-items: center; gap: 12px;
  border-top: 1px solid var(--ink-100);
  padding-top: 12px;
}
.how-review-avatar {
  width: 34px; height: 34px; border-radius: 50%;
}
.how-review-name { font-size: 13.5px; font-weight: 700; color: var(--ink-900); }
.how-review-date { font-size: 12px; color: var(--ink-500); margin-top: 2px; }

@media (max-width: 900px) {
  .how-layout { grid-template-columns: 1fr; gap: 32px; }
}

/* Block 8 — Reviews trio -------------------------------------------------- */
.reviews-section { background: var(--white); }
.reviews-trio {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}
.review-tile {
  padding: 26px 24px;
  border-radius: var(--r-md);
  background: var(--ink-50);
  border: 1px solid var(--ink-100);
  display: flex; flex-direction: column; gap: 14px;
  box-shadow: var(--sh-1);
}
.review-tile .review-stars {
  color: #ffb800;
  font-size: 15px;
  letter-spacing: 3px;
}
.review-tile-quote {
  color: var(--ink-800);
  font-size: 15px;
  line-height: 1.55;
  flex-grow: 1;
}
.review-tile-meta {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  font-size: 13px;
  color: var(--ink-500);
  border-top: 1px solid var(--ink-200);
  padding-top: 12px;
  flex-wrap: wrap;
}
.review-tile-meta strong {
  color: var(--ink-900);
  font-weight: 700;
  font-size: 14px;
}
.reviews-source-note {
  text-align: center;
  margin-top: 24px;
  color: var(--ink-500);
  font-size: 13.5px;
}
@media (max-width: 900px) {
  .reviews-trio { grid-template-columns: 1fr; gap: 14px; }
}

/* Block 9 — Final CTA note & footer polish -------------------------------- */
.final-cta-note {
  color: rgba(255,255,255,.7);
  font-size: 13px;
  line-height: 1.55;
  max-width: 620px;
  margin: 20px auto 0;
}

.site-footer .footer-copy:last-of-type {
  font-size: 12px;
  opacity: .7;
}

/* Floating CTA retires when the final CTA band is in view ----------------- */
.floating-cta.retired {
  transform: translateY(120%);
  pointer-events: none;
}

/* Initials avatars — self-contained, no external CDN dependency.
   Renders a coloured circle with 2-char initials in white, matching the
   review card scale. Five tones cycle across the reviews for visual variety. */
.avatar-initials {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  color: #ffffff;
  font-family: 'Inter', system-ui, sans-serif;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  user-select: none;
  flex-shrink: 0;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22);
}
.review-avatar.avatar-initials    { width: 40px; height: 40px; font-size: 14px; }
.how-review-avatar.avatar-initials { width: 34px; height: 34px; font-size: 12.5px; }
.avatar-tone-1 { background: linear-gradient(135deg, #F79221, #C56408); } /* orange */
.avatar-tone-2 { background: linear-gradient(135deg, #22a34a, #12652d); } /* forest */
.avatar-tone-3 { background: linear-gradient(135deg, #8b5cf6, #6d28d9); } /* purple */
.avatar-tone-4 { background: linear-gradient(135deg, #1E6DD0, #1746a2); } /* trust blue */
.avatar-tone-5 { background: linear-gradient(135deg, #ec4899, #be185d); } /* rose */

/* =============================================================================
   Round-2 overrides (Manrope titles / Inter CTAs / unified bg / marquee cards)
   ============================================================================= */

/* Inter Extra Bold on every CTA button ------------------------------------ */
.btn,
.btn-primary,
.btn-xl,
.pill-nav-cta,
.hero-actions .btn,
.section-actions .btn,
.final-cta .btn,
.floating-cta .btn {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-weight: 800;
  letter-spacing: -0.005em;
}
.btn svg { display: none; }

/* Unified page background — no visible boundary between sections ---------- */
body { background: var(--ink-50); }
.split-section,
.acc-section,
.bar-section,
.money-section,
.cost-section,
.how-section,
.reviews-section,
.reviews.reviews-section,
.faq {
  background: var(--ink-50);
}
/* Cards can still use white/warm for internal contrast — untouched. */

/* Split section title should sit on 2 lines (one sentence each) ----------- */
.split-section .section-title,
.acc-section .section-title {
  max-width: 1100px;
}

/* Brands strip that now lives below the hero ------------------------------- */
.brands {
  background: var(--ink-50);
  padding: 40px 0 8px;
}
.brands .container { max-width: 1360px; }
.brands-headline {
  text-align: center;
  color: var(--ink-500);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.brands-grid {
  display: flex; align-items: center; justify-content: center;
  gap: 44px; flex-wrap: wrap;
}
.brand-logo-img {
  height: 26px; width: auto;
  filter: grayscale(1);
  opacity: .55;
  transition: opacity .2s var(--ease-out);
}
.brand-logo-img:hover { opacity: 1; }
.brands-marquee-mobile { display: none; }
@media (max-width: 720px) {
  .brands-grid { display: none; }
  .brands-marquee-mobile {
    display: block;
    overflow: hidden;
    -webkit-mask-image: linear-gradient(to right, transparent 0, #000 8%, #000 92%, transparent 100%);
            mask-image: linear-gradient(to right, transparent 0, #000 8%, #000 92%, transparent 100%);
  }
  .brands-track-mobile {
    display: flex; align-items: center; gap: 40px;
    width: max-content;
    animation: brandsScroll 30s linear infinite;
  }
  .brands-track-mobile img {
    height: 22px; width: auto;
    filter: grayscale(1);
    opacity: .55;
  }
  @keyframes brandsScroll {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
  }
}

/* Google review card polish ----------------------------------------------- */
.reviews-section .container { max-width: 1200px; }
.reviews-head {
  display: flex; flex-direction: column; align-items: center;
  gap: 12px; margin-bottom: 40px; text-align: center;
}
.reviews-rating {
  display: flex; flex-direction: column; align-items: center; gap: 4px;
}
.review-card {
  width: 340px;
  padding: 22px 22px 20px;
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--ink-100);
  box-shadow: var(--sh-1);
  display: flex; flex-direction: column;
  flex-shrink: 0;
}
.review-google {
  display: flex; align-items: center; gap: 8px;
  margin-bottom: 10px;
  font-size: 12px;
  color: var(--ink-500);
  font-weight: 600;
}
.review-google svg { flex-shrink: 0; }
.review-card .review-stars {
  color: #ffb800;
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 10px;
}
.review-card p {
  color: var(--ink-800);
  font-size: 14.5px;
  line-height: 1.55;
  margin: 0 0 16px;
  flex-grow: 1;
}
.review-card footer {
  display: flex; align-items: center; gap: 12px;
  border-top: 1px solid var(--ink-100);
  padding-top: 12px;
  margin-top: auto;
}
.review-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  object-fit: cover;
  background: var(--ink-100);
  flex-shrink: 0;
}
.review-card footer > div { display: flex; flex-direction: column; }
.review-card footer strong { font-size: 13.5px; font-weight: 700; color: var(--ink-900); }
.review-card footer span { font-size: 12px; color: var(--ink-500); margin-top: 2px; }

.reviews-source-note {
  text-align: center;
  margin-top: 28px;
  color: var(--ink-500);
  font-size: 13.5px;
}

/* Marquee lives just under the head — restore layout --------------------- */
.reviews-section .reviews-marquee { padding: 8px 0 4px; }

/* Funnel radio-row: Yes = green / No = red ------------------------------- */
.radio-row .radio-card:has(input[value="Yes"]) .radio-card-title {
  color: var(--brand-600);
  font-weight: 700;
}
.radio-row .radio-card:has(input[value="No"]) .radio-card-title {
  color: var(--danger);
  font-weight: 700;
}
.radio-row .radio-card:has(input[value="Yes"]:checked) {
  border-color: var(--brand-500);
  background: var(--brand-50);
}
.radio-row .radio-card:has(input[value="No"]:checked) {
  border-color: var(--danger);
  background: #fdecea;
}

/* Sink each step vertically so it's centred in the popup viewport.
   Auto margins keep short steps centred and let tall steps top-align + scroll. */
.popup-body {
  display: flex;
  flex-direction: column;
}
.form-step.active {
  margin-top: auto;
  margin-bottom: auto;
  width: 100%;
}
@media (max-width: 720px) {
  .popup-body { padding: 24px 20px 32px; }
}

/* Constrain single-column inputs & buttons so they don't stretch edge-to-edge */
.popup-body .field-group,
.popup-body .form-nav-single,
.popup-body .otp-digits {
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
/* Slider gets its own wider column so the range is easier to hit */
.popup-body .slider-wrap {
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}
/* The Continue button inherits full-width from .form-nav .btn { width: 100% } —
   which now means 100% of the field-group cap. */
.popup-body .form-nav-single .btn { width: 100%; }
.popup-body .field-input,
.popup-body .field-phone { width: 100%; }
/* First-name / last-name row lines up with the email + phone fields below */
.popup-body .field-row-two { max-width: 480px; margin-left: auto; margin-right: auto; }

/* Editable slider currency input — sunken neumorphic well so it reads as "type here" */
.popup-body .slider-value-row {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  margin: 8px auto 6px;
  padding: 14px 22px;
  background: #fbf6ea;
  border: 1px solid rgba(184, 148, 78, 0.14);
  border-radius: 18px;
  box-shadow:
    inset 3px 3px 8px rgba(184, 148, 78, 0.22),
    inset -3px -3px 8px rgba(255, 255, 255, 0.9);
  transition: box-shadow .2s var(--ease-out), background .2s var(--ease-out);
}
.popup-body .slider-value-row:focus-within {
  background: #fff8ee;
  border-color: rgba(247, 146, 33, 0.45);
  box-shadow:
    inset 3px 3px 8px rgba(184, 148, 78, 0.22),
    inset -3px -3px 8px rgba(255, 255, 255, 0.9),
    0 0 0 4px rgba(247, 146, 33, 0.18);
}
.popup-body .slider-value-row .slider-value-currency {
  font-size: 26px;
  color: var(--cta-500);
  font-weight: 800;
  line-height: 1;
  align-self: center;
}
.popup-body .slider-value-input {
  -webkit-appearance: none;
  appearance: none;
  border: 0;
  background: transparent;
  outline: none;
  box-shadow: none;
  border-radius: 0;
  text-align: center;
  font-size: clamp(30px, 5.4vw, 40px);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  line-height: 1;
  width: 9ch;
  min-width: 0;
  padding: 0;
  caret-color: var(--cta-500);
}
.popup-body .slider-value-input:focus {
  box-shadow: none;
  outline: none;
}
.popup-body .slider-value-input::selection {
  background: rgba(247, 146, 33, 0.22);
  color: var(--ink-900);
}
.popup-body .slider-value-input::-moz-selection {
  background: rgba(247, 146, 33, 0.22);
  color: var(--ink-900);
}
/* Container centers the whole row */
.popup-body .slider-wrap { text-align: center; }
.popup-body .slider-wrap .slider-value-row { display: inline-flex; }

/* Slider tick milestones ------------------------------------------------- */
.popup-body .slider-marks {
  position: relative;
  height: 42px;
  margin-top: 4px;
  padding: 0 2px;
}
.popup-body .slider-mark {
  position: absolute;
  top: 0;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center;
  gap: 6px;
  padding: 0 6px;
  background: transparent;
  border: 0;
  cursor: pointer;
  color: var(--ink-500);
  transition: color .18s var(--ease-out), transform .1s var(--ease-out);
}
.popup-body .slider-mark:hover { color: var(--cta-600); }
.popup-body .slider-mark:active { transform: translateX(-50%) scale(.94); }
.popup-body .slider-mark-tick {
  width: 2px; height: 8px;
  border-radius: 1px;
  background: var(--ink-300);
  transition: background .18s var(--ease-out);
}
.popup-body .slider-mark:hover .slider-mark-tick { background: var(--cta-500); }
.popup-body .slider-mark-label {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: -0.01em;
  font-variant-numeric: tabular-nums;
  color: var(--ink-500);
  white-space: nowrap;
}
.popup-body .slider-mark-end .slider-mark-label {
  color: var(--ink-700);
  font-weight: 700;
}
.popup-body .slider-mark-end .slider-mark-tick { background: var(--ink-400); }

/* =============================================================================
   Funnel buttons — true 3D lift (single-direction drop shadow, top highlight)
   The buttons look physically raised off the popup surface. Press = sink 2px.
   ============================================================================= */

/* Radio cards + multi cards — the tap-target choice tiles */
.popup-body .radio-card,
.popup-body .multi-card {
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.05);
  border-radius: 18px;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),      /* top edge highlight */
    0 6px 0 -1px rgba(15, 25, 20, 0.06),         /* mid stack (creates thickness) */
    0 14px 22px -6px rgba(0, 0, 0, 0.22),        /* main drop shadow */
    0 3px 6px -2px rgba(0, 0, 0, 0.12);          /* contact shadow */
  transition: box-shadow .18s var(--ease-out),
              transform  .12s var(--ease-out),
              border-color .18s var(--ease-out),
              background .18s var(--ease-out);
}
.popup-body .radio-card:hover,
.popup-body .multi-card:hover {
  transform: translateY(-2px);
  border-color: rgba(0, 0, 0, 0.08);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 8px 0 -1px rgba(15, 25, 20, 0.06),
    0 20px 30px -6px rgba(0, 0, 0, 0.26),
    0 3px 6px -2px rgba(0, 0, 0, 0.14);
}
.popup-body .radio-card:active,
.popup-body .multi-card:active {
  transform: translateY(2px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 2px 0 -1px rgba(15, 25, 20, 0.06),
    0 6px 10px -2px rgba(0, 0, 0, 0.18);
}

/* Selected state — sits down flat, tinted, small shadow */
.popup-body .radio-card:has(input:checked),
.popup-body .multi-card.selected {
  transform: translateY(2px);
  border-color: rgba(247, 146, 33, 0.35);
  background: #fff8ee;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 2px 0 -1px rgba(197, 100, 8, 0.10),
    0 6px 12px -3px rgba(197, 100, 8, 0.18);
}

/* Yes-checked / No-checked keep the semantic tint but sit down like the rest */
.popup-body .radio-row .radio-card:has(input[value="Yes"]:checked) {
  background: #eaf7ee;
  border-color: rgba(23, 132, 58, 0.35);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 2px 0 -1px rgba(23, 132, 58, 0.10),
    0 6px 12px -3px rgba(23, 132, 58, 0.20);
}
.popup-body .radio-row .radio-card:has(input[value="No"]:checked) {
  background: #fdecea;
  border-color: rgba(217, 48, 37, 0.35);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 2px 0 -1px rgba(217, 48, 37, 0.10),
    0 6px 12px -3px rgba(217, 48, 37, 0.20);
}

/* Multi-card checkmark bubble */
.popup-body .multi-card-check {
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 2px 4px rgba(0, 0, 0, 0.14);
}
.popup-body .multi-card.selected .multi-card-check {
  background: var(--cta-500);
  border-color: var(--cta-500);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.35),
    0 2px 6px rgba(197, 100, 8, 0.4);
}

/* Form nav buttons — Continue (Back removed at the JS layer) */
.popup-body .form-nav .btn {
  border-radius: var(--r-round);
  border: none;
  transition: box-shadow .18s var(--ease-out),
              transform  .12s var(--ease-out),
              background .18s var(--ease-out);
}
.popup-body .form-nav .btn-primary {
  background: var(--cta-500);
  color: var(--white);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.25),     /* top gloss */
    0 6px 0 -1px var(--cta-700),                 /* solid "thickness" layer */
    0 18px 24px -6px rgba(197, 100, 8, 0.45),    /* orange spread */
    0 22px 34px -10px rgba(0, 0, 0, 0.30);       /* black lift */
}
.popup-body .form-nav .btn-primary:hover {
  background: var(--cta-600);
  transform: translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.25),
    0 8px 0 -1px var(--cta-700),
    0 24px 32px -6px rgba(197, 100, 8, 0.5),
    0 28px 40px -10px rgba(0, 0, 0, 0.34);
}
.popup-body .form-nav .btn-primary:active {
  transform: translateY(3px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.25),
    0 2px 0 -1px var(--cta-700),
    0 6px 12px -2px rgba(197, 100, 8, 0.4),
    0 6px 10px -3px rgba(0, 0, 0, 0.22);
}
.popup-body .form-nav .btn-primary:disabled {
  background: var(--ink-300);
  color: var(--white);
  transform: none;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.4),
    0 4px 0 -1px rgba(0, 0, 0, 0.08),
    0 6px 10px -3px rgba(0, 0, 0, 0.14);
}

/* Back navigation, close button and progress bar removed from the funnel */
.popup-back,
.popup-close,
.popup-header .progress-bar { display: none !important; }

/* Header: brand logo centered and enlarged */
.popup-header { padding: 22px 20px 14px; }
.popup-header-inner {
  justify-content: center;
  padding-bottom: 0;
}
.popup-logo { height: 40px; }
@media (min-width: 720px) {
  .popup-header-inner { padding-bottom: 0; }
  .popup-logo { height: 48px; }
}

/* Constrain the question column so it visually aligns with the choice tiles */
.popup-body .step-headline {
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}
.popup-body .step-sub {
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}

/* Header close button — subtle neumorphic puck */
.popup-header .popup-close {
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.05);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 4px 0 -1px rgba(15, 25, 20, 0.06),
    0 8px 14px -4px rgba(0, 0, 0, 0.20);
  transition: box-shadow .18s var(--ease-out), transform .12s var(--ease-out);
}
.popup-header .popup-close:hover {
  background: #ffffff;
  color: var(--ink-900);
  transform: translateY(-1px);
}
.popup-header .popup-close:active {
  transform: translateY(2px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.9),
    0 1px 0 -1px rgba(15, 25, 20, 0.06),
    0 3px 6px -1px rgba(0, 0, 0, 0.14);
}

/* Logo lives centred in the header (back + close both removed) */
.popup-header-inner { justify-content: center; }

/* OTP digit boxes — sunken neumorphic wells, matching the contact-step inputs */
.popup-body .otp-digit {
  background: #fbf6ea;
  border: 1px solid rgba(184, 148, 78, 0.22);
  border-radius: 14px;
  color: var(--ink-900);
  font-weight: 800;
  box-shadow:
    inset  3px  3px 8px rgba(184, 148, 78, 0.24),
    inset -3px -3px 8px rgba(255, 255, 255, 0.95);
  transition: background .2s var(--ease-out),
              border-color .2s var(--ease-out),
              box-shadow .2s var(--ease-out);
}
/* A digit that already has a value pops out a touch — it's been filled */
.popup-body .otp-digit:not(:placeholder-shown),
.popup-body .otp-digit[value]:not([value=""]) {
  background: #fff8ee;
  border-color: rgba(247, 146, 33, 0.35);
  color: var(--cta-700);
  box-shadow:
    inset  2px  2px 6px rgba(184, 148, 78, 0.18),
    inset -2px -2px 6px rgba(255, 255, 255, 0.95);
}
.popup-body .otp-digit:focus {
  background: #fff8ee;
  border-color: rgba(247, 146, 33, 0.6);
  box-shadow:
    inset  3px  3px 8px rgba(184, 148, 78, 0.24),
    inset -3px -3px 8px rgba(255, 255, 255, 0.95),
    0 0 0 4px rgba(247, 146, 33, 0.20);
}

/* Sink text inputs into the surface — same well look as the slider currency input */
.popup-body .field-input,
.popup-body .field-phone {
  background: #fbf6ea;
  border: 1px solid rgba(184, 148, 78, 0.20);
  border-radius: 14px;
  box-shadow:
    inset  3px  3px 8px rgba(184, 148, 78, 0.22),
    inset -3px -3px 8px rgba(255, 255, 255, 0.9);
  transition: box-shadow .2s var(--ease-out),
              background .2s var(--ease-out),
              border-color .2s var(--ease-out);
}
.popup-body .field-input::placeholder { color: var(--ink-500); opacity: 0.7; }
.popup-body .field-phone input::placeholder { color: var(--ink-500); opacity: 0.7; }
.popup-body .field-input:focus,
.popup-body .field-phone:focus-within {
  background: #fff8ee;
  border-color: rgba(247, 146, 33, 0.55);
  box-shadow:
    inset  3px  3px 8px rgba(184, 148, 78, 0.22),
    inset -3px -3px 8px rgba(255, 255, 255, 0.9),
    0 0 0 4px rgba(247, 146, 33, 0.18);
}
/* Phone: the +64 prefix well needs to blend into the same tint */
.popup-body .field-phone .field-phone-prefix {
  background: rgba(184, 148, 78, 0.08);
  border-right: 1px solid rgba(184, 148, 78, 0.20);
}
/* Invalid state override on the sunken well */
.popup-body .field-group.invalid .field-input,
.popup-body .field-group.invalid .field-phone {
  border-color: rgba(217, 48, 37, 0.55);
  background: #fdecea;
}

/* =============================================================================
   Post-launch UI tweaks (batch 1)
   ============================================================================= */

/* --- Fix: initials avatars losing their tint to the review-card grey bg --- */
.avatar-initials.avatar-tone-1 { background: linear-gradient(135deg, #F79221, #C56408); }
.avatar-initials.avatar-tone-2 { background: linear-gradient(135deg, #22a34a, #12652d); }
.avatar-initials.avatar-tone-3 { background: linear-gradient(135deg, #8b5cf6, #6d28d9); }
.avatar-initials.avatar-tone-4 { background: linear-gradient(135deg, #3CBDF8, #1E6DD0); }
.avatar-initials.avatar-tone-5 { background: linear-gradient(135deg, #ec4899, #be185d); }
.review-avatar.avatar-initials,
.how-review-avatar.avatar-initials {
  color: #ffffff;
  border: 0;
}

/* --- "How it works": headline centred, steps on the left, reviews on the right --- */
.how-section .section-head-left {
  text-align: center;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}
/* Restore the two-column grid (steps left / reviews right); collapses to a
   single centred column below 900px via the base rule further up in this file. */
.how-layout {
  grid-template-columns: 1.15fr 1fr;
  gap: 56px;
  max-width: 1040px;
  margin: 0 auto;
  align-items: start;
}

/* --- Fix: odd 3rd option in a 2-col radio-row centres on the 2nd row --- */
.popup-body .radio-row > :nth-child(3):last-child {
  grid-column: 1 / -1;
  justify-self: center;
  width: calc(50% - 5px);
  box-sizing: border-box;
}
/* --- Same for odd 7th item in a 2-col multi-list (medical conditions) --- */
.popup-body .multi-list > :nth-child(odd):last-child {
  grid-column: 1 / -1;
  justify-self: center;
  width: calc(50% - 5px);
  box-sizing: border-box;
}
@media (max-width: 520px) {
  .popup-body .radio-row > :nth-child(3):last-child,
  .popup-body .multi-list > :nth-child(odd):last-child {
    width: 100%;
  }
}

/* --- Fix: combined-input (couple ages) — proper input width + spacing --- */
.popup-body .combined-input {
  max-width: 480px;
  margin: 0 auto;
  gap: 16px;
}
.popup-body .combined-input .field-group { margin-bottom: 0; }
.popup-body .combined-input .field-input {
  width: 100%;
  padding: 14px 16px;
  font-size: 18px;
  font-weight: 600;
  text-align: left;
}
.popup-body .combined-input .field-label {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-500);
  margin-bottom: 8px;
  display: block;
}

/* --- Fix: mobile partners logo strip — force marquee if grid is hidden --- */
@media (max-width: 720px) {
  .brands-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 22px; }
  .brands-grid .brand-logo-img { height: 20px; }
  .brands-marquee-mobile { display: none; }
}



/* =============================================================================
   Batch 3: mobile how-it-works (final source-order fix) + faster brands marquee
   ============================================================================= */

/* Force-hide the review-stack on mobile — base rule above (line 1724) was
   winning by source order. This rule at the file end + !important guarantees it. */
@media (max-width: 900px) {
  .how-review-stack { display: none !important; }
  .how-layout { grid-template-columns: 1fr !important; }
}

/* Mobile brands: single-row marquee via container-transform (not per-image).
   HTML duplicates each of the 7 logos so translateX(-50%) loops seamlessly. */
@media (max-width: 720px) {
  .brands {
    overflow: hidden;
    -webkit-mask-image: linear-gradient(to right, transparent 0, #000 6%, #000 94%, transparent 100%);
            mask-image: linear-gradient(to right, transparent 0, #000 6%, #000 94%, transparent 100%);
  }
  .brands .container { overflow: hidden; padding-left: 0; padding-right: 0; }
  .brands-grid {
    display: flex;
    width: max-content;
    flex-wrap: nowrap;
    justify-content: flex-start;
    gap: 40px;
    animation: brands-scroll-mobile 14s linear infinite;
    padding: 0 20px;
  }
  .brands-grid .brand-logo-img {
    height: 26px;
    width: auto;
    filter: none;
    opacity: 1;
    flex-shrink: 0;
    animation: none;
  }
  @keyframes brands-scroll-mobile {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
  }
  .brands-marquee-mobile { display: none; }
}

/* --- Desktop brands: colour + single row (only show first 7 of duplicated set) --- */
@media (min-width: 721px) {
  .brands-grid {
    flex-wrap: nowrap !important;
    justify-content: center;
    gap: 44px;
  }
  .brands-grid .brand-logo-img {
    filter: none !important;
    opacity: 1 !important;
    height: 30px;
    flex-shrink: 0;
  }
  /* Duplicate copy (positions 8-14) exists for the mobile marquee; hide on desktop. */
  .brands-grid .brand-logo-img:nth-child(n+8) { display: none !important; }
  .brands-grid .brand-logo-img:hover { opacity: 1 !important; transform: scale(1.05); transition: transform .2s var(--ease-out); }
}

/* --- Block 4 stacked bar: swap orange trauma segment for dark blue --- */
.bar-seg.trauma { background: linear-gradient(135deg, #1E3A8A, #1E40AF) !important; }

/* =============================================================================
   Batch 4: brand blue takeover (final CTA + bar life segment + ACC covered)
   ============================================================================= */

/* --- Final CTA band: dark blue instead of forest green ------------------ */
.final-cta {
  background: linear-gradient(160deg, #1E3A8A 0%, #172554 100%) !important;
}
.final-cta .section-title em { color: #3CBDF8 !important; }
.final-cta-note { color: rgba(255,255,255,.72) !important; }

/* --- Block 4 stacked bar: life segment in light blue -------------------- */
.bar-seg.life {
  background: linear-gradient(135deg, #3CBDF8, #1E6DD0) !important;
}

/* --- ACC gap "Covered by ACC" panel: blue shade (green ticks preserved) --- */
.gap-col.covered {
  background: #e7f4ff !important;
  border-color: #b5dcff !important;
}
.gap-col.covered .gap-col-title { color: #1E6DD0 !important; }
/* Ticks stay green — no override needed; .gap-list-covered .gap-icon still forest */

/* --- Block 5 "What the money is for": blue card bg, keep orange dots ---- */
.money-col {
  background: #e7f4ff !important;
  border-color: #b5dcff !important;
}
/* Orange dots (bullet points) preserved via --cta-500 in money-col-list li::before */
/* Icons stay orange too — they read as the CTA colour tying back to the button. */

/* --- Flat Color Icons swap-in: drop the tinted wrappers, icons are self-coloured --- */
.money-icon {
  background: transparent !important;
  color: inherit !important;
  width: 56px !important;
  height: 56px !important;
  padding: 0 !important;
}
.money-icon svg { width: 100% !important; height: 100% !important; }

.gap-icon {
  background: transparent !important;
  border: 0 !important;
  color: inherit !important;
  width: 26px !important;
  height: 26px !important;
  padding: 0 !important;
}
.gap-icon svg { width: 100% !important; height: 100% !important; }

/* --- Hero trust bullets under CTA (both trauma pages) ------------------ */
.hero-trust-bullets {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.hero-trust-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14.5px;
  color: var(--ink-700);
  font-weight: 500;
}
.hero-trust-bullets svg {
  width: 16px;
  height: 16px;
  color: var(--brand-500);
  flex-shrink: 0;
}
@media (max-width: 900px) {
  .hero-trust-bullets { align-items: center; }
  .hero-trust-bullets li { font-size: 14px; }
}

/* --- How it works: step number circles in brand blue (was forest green) --- */
.how-step-num {
  background: linear-gradient(135deg, #3CBDF8, #1E6DD0) !important;
}