/* SilverEdge — extended component styles for world-class homepage */

/* ---------- Urgency bar ---------- */
.urgency-bar {
  background: linear-gradient(90deg, #f59e0b 0%, #ef4444 100%);
  color: #fff; font-size: .88rem; padding: 8px 0;
}
.urgency-inner { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; justify-content: center; text-align: center; }
.urgency-dot { width: 8px; height: 8px; background: #fff; border-radius: 50%; animation: pulse 1.8s infinite; flex-shrink: 0; }
.urgency-cta { color: #fff; font-weight: 600; text-decoration: underline; }
.urgency-cta:hover { color: #fff; opacity: .9; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: .4; } }
@media (max-width: 720px) { .urgency-bar { font-size: .8rem; padding: 6px 0; } }

/* ---------- Nav phone ---------- */
.nav-phone {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--navy); font-weight: 600; font-size: .95rem;
  padding: 8px 12px; border-radius: 10px;
  transition: background .15s var(--ease);
}
.nav-phone:hover { background: var(--light-blue-soft); color: var(--blue-deep); }
.nav-phone-icon { font-size: 1rem; }
@media (max-width: 720px) { .nav-phone-num { display: none; } }

/* ---------- Hero ZIP capture ---------- */
.zip-capture { margin-top: 28px; max-width: 540px; }
.zip-fields {
  display: grid; grid-template-columns: 140px 1fr auto; gap: 8px;
  background: #fff; padding: 8px; border-radius: 16px;
  box-shadow: 0 12px 36px rgba(14,135,239,.18), 0 2px 8px rgba(17,35,55,.06);
  border: 1px solid rgba(14,135,239,.2);
}
.zip-fields input, .zip-fields select {
  border: none; background: transparent; padding: 10px 12px; font-size: 1rem; color: var(--navy);
  border-radius: 10px;
}
.zip-fields input:focus, .zip-fields select:focus { outline: none; box-shadow: none; background: var(--light-blue-soft); }
.zip-fields button { border-radius: 12px; white-space: nowrap; }
.zip-meta {
  margin-top: 12px; font-size: .87rem; color: var(--slate);
  display: flex; gap: 8px; flex-wrap: wrap; align-items: center;
}
.zip-meta a { color: var(--blue-deep); }
@media (max-width: 640px) {
  .zip-fields { grid-template-columns: 1fr 1fr; }
  .zip-fields button { grid-column: 1 / -1; }
}

/* ---------- Carrier row ---------- */
.carriers {
  background: #fff; border-bottom: 1px solid rgba(17,35,55,.05); padding: 36px 0;
}
.carriers-label { text-align: center; color: var(--slate); font-size: .88rem; margin-bottom: 18px; font-weight: 500; letter-spacing: .02em; }
.carriers-row { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; align-items: center; }
.carrier-chip {
  padding: 10px 18px; background: var(--gray-50); border-radius: 10px;
  font-weight: 600; color: var(--slate); font-size: .92rem; letter-spacing: -.01em;
  border: 1px solid rgba(17,35,55,.04);
}

/* ---------- Bullet list (checkmark) ---------- */
.bullet-list { list-style: none; padding: 0; margin: 16px 0 20px; display: grid; gap: 8px; }
.bullet-list li {
  padding-left: 26px; position: relative; color: var(--slate); font-size: .96rem; line-height: 1.5;
}
.bullet-list li::before {
  content: '✓'; position: absolute; left: 0; top: 2px;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--light-blue); color: var(--blue-deep); display: grid; place-items: center;
  font-size: .68rem; font-weight: 700;
}

/* ---------- Offer band (free review) ---------- */
.offer-band {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  color: #fff; position: relative; overflow: hidden;
}
.offer-band::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(600px 300px at 100% 0%, rgba(255,255,255,.15), transparent 60%),
    radial-gradient(500px 250px at 0% 100%, rgba(0,26,179,.2), transparent 60%);
  pointer-events: none;
}
.offer-band > .container { position: relative; }
.offer-inner { display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: center; }
.offer-band h2 { color: #fff; }
.offer-band p { color: rgba(255,255,255,.88); max-width: 520px; }
.eyebrow-on-blue { color: #fff; background: rgba(255,255,255,.15); padding: 6px 14px; border-radius: 100px; font-size: .82rem; font-weight: 600; display: inline-block; margin-bottom: 16px; letter-spacing: .02em; }
.eyebrow-on-navy { color: var(--blue); font-weight: 700; text-transform: uppercase; font-size: .85rem; letter-spacing: .08em; margin-bottom: 12px; display: block; }
.offer-ctas { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.offer-band .btn-navy { background: var(--navy); }
.offer-band .btn-ghost { color: #fff; border-color: rgba(255,255,255,.35); background: transparent; }
.offer-band .btn-ghost:hover { background: rgba(255,255,255,.08); color: #fff; border-color: #fff; }
.offer-perks { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.offer-perk {
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  padding: 20px; border-radius: var(--radius-lg);
  display: flex; align-items: flex-start; gap: 12px;
  backdrop-filter: blur(8px);
}
.offer-perk-icon {
  width: 28px; height: 28px; border-radius: 50%; background: #fff; color: var(--blue-deep);
  display: grid; place-items: center; font-weight: 700; flex-shrink: 0;
}
.offer-perk strong { display: block; color: #fff; font-weight: 600; margin-bottom: 2px; }
.offer-perk span { color: rgba(255,255,255,.75); font-size: .88rem; }
@media (max-width: 900px) { .offer-inner { grid-template-columns: 1fr; gap: 40px; } }

/* ---------- Plan comparison preview ---------- */
.plan-compare { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 24px; }
.plan-card {
  background: #fff; border-radius: var(--radius-lg); padding: 32px 28px;
  border: 1px solid rgba(17,35,55,.08); position: relative;
  transition: all .25s var(--ease);
}
.plan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.plan-card-best {
  border-color: var(--blue); box-shadow: 0 12px 36px rgba(14,135,239,.18);
  background: linear-gradient(180deg, #fff 0%, var(--light-blue-soft) 100%);
}
.plan-badge {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--blue); color: #fff; padding: 6px 16px; border-radius: 100px;
  font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
}
.plan-carrier { color: var(--slate); font-size: .85rem; font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.plan-name { color: var(--navy); font-size: 1.18rem; font-weight: 700; margin: 6px 0 16px; }
.plan-price { color: var(--navy); margin-bottom: 20px; }
.price-dollar { font-size: 1.2rem; font-weight: 600; vertical-align: top; }
.price-big { font-size: 3rem; font-weight: 700; letter-spacing: -.02em; }
.price-unit { font-size: 1rem; color: var(--slate); font-weight: 500; }
.plan-features { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 8px; }
.plan-features li { color: var(--navy); font-size: .95rem; }
.plan-footer { padding-top: 16px; border-top: 1px solid rgba(17,35,55,.06); font-size: .88rem; color: var(--slate); }
.plan-footer strong { color: var(--navy); font-size: 1.02rem; }
.plan-disclaimer { text-align: center; color: var(--slate); font-size: .82rem; margin-top: 32px; max-width: 720px; margin-left: auto; margin-right: auto; }
@media (max-width: 900px) { .plan-compare { grid-template-columns: 1fr; } }

/* ---------- Advisor grid ---------- */
.advisor-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.advisor-card {
  background: #fff; border-radius: var(--radius-lg); padding: 28px 24px; text-align: center;
  border: 1px solid rgba(17,35,55,.06); transition: all .2s var(--ease);
}
.advisor-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.advisor-avatar {
  width: 84px; height: 84px; border-radius: 50%;
  display: grid; place-items: center; color: #fff; font-weight: 700; font-size: 1.6rem;
  margin: 0 auto 16px;
}
.advisor-avatar-a { background: linear-gradient(135deg, #0E87EF, #204ce5); }
.advisor-avatar-b { background: linear-gradient(135deg, #10b981, #059669); }
.advisor-avatar-c { background: linear-gradient(135deg, #f59e0b, #d97706); }
.advisor-avatar-d { background: linear-gradient(135deg, #8b5cf6, #6d28d9); }
.advisor-photo {
  width: 112px; height: 112px; border-radius: 50%; object-fit: cover;
  display: block; margin: 0 auto 16px;
  box-shadow: 0 6px 20px rgba(17,35,55,.12);
  border: 3px solid #fff;
}
.advisor-name { font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.advisor-role { color: var(--blue); font-size: .88rem; font-weight: 600; margin: 4px 0; }
.advisor-states { color: var(--slate); font-size: .82rem; }
@media (max-width: 900px) { .advisor-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Trustpilot row ---------- */
.trustpilot-row {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 8px; color: var(--slate); font-size: .95rem;
}
.trustpilot-row .testi-stars { color: #f59e0b; letter-spacing: 2px; }

/* ---------- Savings guide lead magnet ---------- */
.savings-guide {
  background: linear-gradient(135deg, var(--blue-deep) 0%, var(--blue-dark) 100%);
  color: #fff; position: relative; overflow: hidden;
}
.savings-guide::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(700px 400px at 20% 20%, rgba(14,135,239,.25), transparent 60%),
    radial-gradient(500px 300px at 90% 80%, rgba(82,126,255,.2), transparent 60%);
  pointer-events: none;
}
.savings-guide > .container { position: relative; }
.savings-inner { display: grid; grid-template-columns: 1.1fr 1fr; gap: 60px; align-items: center; }
.savings-guide h2 { color: #fff; max-width: 540px; }
.savings-guide p { color: rgba(255,255,255,.85); max-width: 520px; }
.savings-guide em { color: #fff; font-style: normal; font-weight: 600; }
.savings-bullets { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 10px; }
.savings-bullets li {
  padding-left: 28px; position: relative; color: rgba(255,255,255,.85); font-size: 1rem; line-height: 1.5;
}
.savings-bullets li::before {
  content: '→'; position: absolute; left: 0; top: 0; color: var(--light-blue); font-weight: 700;
}
.savings-form {
  background: #fff; color: var(--navy); padding: 32px; border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(0,0,0,.25);
  display: grid; gap: 6px;
}
.savings-form h3 { margin-bottom: 12px; }
.savings-form label { color: var(--navy); margin-top: 6px; }
.savings-form button { margin-top: 16px; }
.savings-fineprint { color: var(--slate); font-size: .82rem; line-height: 1.5; margin-top: 12px; margin-bottom: 0; }
@media (max-width: 900px) { .savings-inner { grid-template-columns: 1fr; gap: 40px; } }

/* ---------- Resource grid ---------- */
.resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.resource-card {
  background: #fff; border-radius: var(--radius-lg); padding: 28px; border: 1px solid rgba(17,35,55,.06);
  text-decoration: none; color: var(--navy); transition: all .25s var(--ease);
  display: grid; gap: 12px;
}
.resource-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); color: var(--navy); border-color: rgba(14,135,239,.2); }
.resource-tag {
  display: inline-block; background: var(--light-blue); color: var(--blue-deep);
  padding: 4px 12px; border-radius: 100px; font-size: .78rem; font-weight: 600; letter-spacing: .02em;
  width: fit-content;
}
.resource-card h3 { font-size: 1.15rem; line-height: 1.3; margin: 0; }
.resource-card p { color: var(--slate); font-size: .95rem; margin: 0; }
.resource-link { color: var(--blue); font-weight: 600; font-size: .92rem; }
@media (max-width: 900px) { .resource-grid { grid-template-columns: 1fr; } }

/* ---------- Contact grid ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: start; }
.contact-ways { display: grid; gap: 14px; margin-top: 28px; }
.contact-way {
  display: flex; align-items: center; gap: 16px;
  padding: 18px 20px; border-radius: var(--radius);
  background: var(--light-blue-soft); border: 1px solid rgba(14,135,239,.15);
  color: var(--navy); text-decoration: none; transition: all .2s var(--ease);
}
.contact-way:hover { background: var(--light-blue); transform: translateX(4px); color: var(--navy); }
.contact-way-icon { font-size: 1.5rem; }
.contact-way strong { display: block; font-size: 1.05rem; font-weight: 700; }
.contact-way span { color: var(--slate); font-size: .88rem; }
.contact-form {
  background: #fff; padding: 32px; border-radius: var(--radius-lg);
  border: 1px solid rgba(17,35,55,.08); display: grid; gap: 4px;
}
.contact-form h3 { margin-bottom: 16px; }
.contact-form label { margin-top: 8px; }
.checkbox-label {
  display: flex; gap: 10px; align-items: flex-start; margin-top: 14px;
  font-size: .82rem; color: var(--slate); line-height: 1.5; font-weight: 400;
}
.checkbox-label input[type=checkbox] { margin-top: 3px; flex-shrink: 0; }
.contact-form button { margin-top: 14px; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; gap: 40px; } }

/* ---------- Footer social ---------- */
.footer-social { display: flex; gap: 14px; margin-top: 20px; font-size: .88rem; }

/* ---------- ACA Subsidy Calc card ---------- */
.calc-card {
  background: #fff; border: 1px solid rgba(17,35,55,.08); border-radius: var(--radius-lg);
  padding: 32px; box-shadow: var(--shadow-sm); display: grid; gap: 12px;
}
.calc-card label { margin-top: 8px; }
.calc-go { margin-top: 16px; width: 100%; }
.calc-result {
  margin-top: 24px; padding: 28px; border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--light-blue-soft) 0%, var(--light-blue) 100%);
  border: 1px solid rgba(14,135,239,.2);
}
.calc-result h3 { margin-bottom: 12px; }
.calc-result p { color: var(--slate); }
.calc-err { color: var(--danger); font-weight: 500; }

/* ---------- SEP grid ---------- */
.sep-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-top: 24px; }
.sep-item {
  background: #fff; padding: 20px 16px; border-radius: var(--radius);
  border: 1px solid rgba(17,35,55,.06); text-align: center; font-weight: 500; color: var(--navy);
  transition: all .2s var(--ease);
  display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.sep-item:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); border-color: var(--blue); }
@media (max-width: 900px) { .sep-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Medicare quiz ---------- */
.quiz-card {
  background: #fff; border: 1px solid rgba(17,35,55,.08); border-radius: var(--radius-lg);
  padding: 40px 32px; box-shadow: var(--shadow-sm); min-height: 260px;
}
.quiz-step h3 { font-size: 1.3rem; margin-bottom: 20px; }
.quiz-opts { display: flex; gap: 10px; flex-wrap: wrap; }
.quiz-opt {
  flex: 1; min-width: 140px; padding: 14px 20px; border-radius: var(--radius);
  background: var(--light-blue-soft); color: var(--navy); border: 1px solid rgba(14,135,239,.2);
  font-family: inherit; font-size: 1rem; font-weight: 600; cursor: pointer;
  transition: all .2s var(--ease);
}
.quiz-opt:hover { background: var(--blue); color: #fff; border-color: var(--blue); transform: translateY(-2px); }

/* ---------- Enrollment period grid ---------- */
.period-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.period-card {
  background: #fff; border: 1px solid rgba(17,35,55,.06); border-radius: var(--radius-lg);
  padding: 28px; transition: all .2s var(--ease);
}
.period-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.period-tag {
  display: inline-block; background: var(--light-blue); color: var(--blue-deep);
  font-weight: 700; font-size: .82rem; padding: 4px 12px; border-radius: 6px; margin-bottom: 12px;
  letter-spacing: .04em;
}
.period-tag-hot { background: #fef3c7; color: #b45309; }
@media (max-width: 720px) { .period-grid { grid-template-columns: 1fr; } }

/* ---------- TPMO mini disclaimer ---------- */
.tpmo-mini {
  background: var(--gray-50); border-left: 3px solid var(--blue); padding: 14px 18px;
  border-radius: 6px; font-size: .84rem; color: var(--slate); line-height: 1.5; margin: 14px 0;
}
.tpmo-mini strong { color: var(--navy); }

/* ---------- Portal preview grid (agent page) ---------- */
.portal-preview-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.portal-card {
  background: #fff; border: 1px solid rgba(17,35,55,.06); border-radius: var(--radius);
  padding: 24px 20px; transition: all .2s var(--ease);
}
.portal-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(14,135,239,.2); }
.portal-card-icon { font-size: 1.8rem; margin-bottom: 12px; }
.portal-card h3 { font-size: 1.02rem; margin-bottom: 6px; }
.portal-card p { color: var(--slate); font-size: .88rem; margin: 0; }
@media (max-width: 900px) { .portal-preview-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .portal-preview-grid { grid-template-columns: 1fr; } }

/* ---------- Comp note (agent page plain-language box) ---------- */
.comp-note {
  margin-top: 32px; padding: 20px 24px; border-radius: var(--radius);
  background: #fff; border-left: 4px solid var(--blue);
  color: var(--navy); font-size: .95rem; line-height: 1.6;
}
.comp-note strong { color: var(--navy); }

/* ---------- Sticky mobile call — refined FAB design ---------- */
.sticky-call {
  display: none;
  position: fixed; bottom: 20px; right: 20px; left: auto; z-index: 50;
  background: var(--navy);
  color: #fff;
  padding: 0;
  width: 56px; height: 56px;
  border-radius: 50%;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(17,35,55,.22), 0 2px 6px rgba(17,35,55,.12);
  align-items: center; justify-content: center;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.sticky-call svg { width: 22px; height: 22px; color: #fff; }
.sticky-call > span { display: none; }
.sticky-call:hover {
  color: #fff;
  background: var(--blue-deep);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(14,135,239,.35);
}
.sticky-call:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }

@media (max-width: 720px) {
  .sticky-call { display: inline-flex; }
  body { padding-bottom: 0 !important; }
}