/* SilverEdge world-class polish layer — visual, CRO, interactions
   Loads after main.css and components.css. */

/* ---------- Icon system (SVG sprite — reference with <svg class="icon icon-md"><use href="/img/icons.svg#name"/></svg>) ---------- */
.icon { display: inline-block; flex-shrink: 0; vertical-align: middle; color: currentColor; }
.icon-sm { width: 16px; height: 16px; }
.icon-md { width: 20px; height: 20px; }
.icon-lg { width: 24px; height: 24px; }
.icon-xl { width: 32px; height: 32px; }
.icon-2xl { width: 44px; height: 44px; }
.icon-wrap {
  display: inline-flex; align-items: center; justify-content: center;
  flex-shrink: 0; border-radius: 14px;
}
.icon-wrap-md { width: 40px; height: 40px; }
.icon-wrap-lg { width: 52px; height: 52px; }
.icon-wrap-xl { width: 64px; height: 64px; }
.icon-soft {
  background: linear-gradient(135deg, #dbeeff 0%, #c5ddf2 100%);
  color: var(--blue-deep);
  box-shadow: 0 4px 14px rgba(14,135,239,.12);
}
.icon-solid {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  color: #fff;
  box-shadow: 0 8px 24px rgba(14,135,239,.35);
}
.icon-green { background: linear-gradient(135deg, #d1fae5, #a7f3d0); color: #059669; }
.icon-amber { background: linear-gradient(135deg, #fef3c7, #fde68a); color: #b45309; }
.icon-purple { background: linear-gradient(135deg, #ede9fe, #ddd6fe); color: #6d28d9; }
.icon-rose { background: linear-gradient(135deg, #ffe4e6, #fecdd3); color: #be123c; }

/* ---------- Hero polish ---------- */
.hero { position: relative; isolation: isolate; }
.hero-bg-grid {
  position: absolute; inset: 0; z-index: -1; opacity: .4;
  background-image:
    linear-gradient(rgba(14,135,239,.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(14,135,239,.08) 1px, transparent 1px);
  background-size: 40px 40px;
  mask-image: radial-gradient(ellipse at 70% 40%, rgba(0,0,0,.6), transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse at 70% 40%, rgba(0,0,0,.6), transparent 70%);
}
.hero-blob {
  position: absolute; z-index: -1; border-radius: 50%; filter: blur(80px); opacity: .5;
  pointer-events: none;
}
.hero-blob-1 { width: 480px; height: 480px; background: var(--blue); top: -100px; right: -100px; animation: blob 18s ease-in-out infinite; }
.hero-blob-2 { width: 360px; height: 360px; background: var(--blue-deep); bottom: -80px; left: -80px; animation: blob 22s ease-in-out infinite reverse; }
@keyframes blob { 0%,100% { transform: translate(0,0) scale(1); } 33% { transform: translate(30px,-20px) scale(1.08); } 66% { transform: translate(-20px,20px) scale(.95); } }

.hero-visual {
  position: relative; overflow: visible;
}
.hero-visual-photo { position: relative; width: 100%; max-width: 440px; margin-left: auto; aspect-ratio: 1 / 1; }
.hero-visual-photo > img {
  width: 100%; height: 100%; object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: 0 30px 60px rgba(14,135,239,.25);
  display: block;
}
.hero-visual-photo::before {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(135deg, rgba(14,135,239,.15) 0%, rgba(32,76,229,.05) 100%);
  border-radius: var(--radius-xl); pointer-events: none;
}
.hv-avatar-photo {
  width: 44px; height: 44px; border-radius: 50%; object-fit: cover; flex-shrink: 0;
  border: 2px solid #fff;
}
.hero-visual .hv-float-1, .hero-visual .hv-float-2 {
  position: absolute; background: #fff; border-radius: 14px; padding: 12px 16px;
  box-shadow: 0 12px 32px rgba(17,35,55,.18);
  display: flex; align-items: center; gap: 10px; font-size: .88rem;
  color: var(--navy); white-space: nowrap; animation: floaty 6s ease-in-out infinite;
}
.hero-visual .hv-float-1 { top: 20px; left: -30px; animation-delay: 0s; }
.hero-visual .hv-float-2 { bottom: 110px; right: -30px; animation-delay: 3s; }
.hv-float-icon {
  width: 28px; height: 28px; border-radius: 8px; background: var(--light-blue); color: var(--blue-deep);
  display: grid; place-items: center; flex-shrink: 0;
}
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* ---------- Trust badge cluster ---------- */
.trust-badges {
  padding: 40px 0; background: #fff; border-top: 1px solid rgba(17,35,55,.05);
}
.trust-badges-row {
  display: flex; gap: 28px; justify-content: center; flex-wrap: wrap; align-items: center;
}
.trust-badge {
  display: flex; align-items: center; gap: 10px;
  color: var(--slate); font-size: .88rem; font-weight: 500;
  padding: 10px 18px; background: var(--gray-50); border-radius: 100px;
  border: 1px solid rgba(17,35,55,.06);
  transition: transform .2s var(--ease);
}
.trust-badge:hover { transform: translateY(-2px); }
.trust-badge-icon {
  width: 22px; height: 22px; flex-shrink: 0;
}
.trust-badge strong { color: var(--navy); font-weight: 700; }

/* ---------- Social proof ticker ---------- */
.proof-ticker {
  position: fixed; bottom: 100px; left: 24px; z-index: 45;
  background: #fff; border-radius: 14px; padding: 12px 18px;
  box-shadow: 0 14px 40px rgba(17,35,55,.15);
  display: none; align-items: center; gap: 12px;
  max-width: 340px; border: 1px solid rgba(17,35,55,.06);
  animation: slideInUp .4s var(--ease) forwards;
}
.proof-ticker.show { display: flex; }
.proof-ticker-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-deep));
  color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .88rem; flex-shrink: 0;
}
.proof-ticker-body { font-size: .82rem; color: var(--navy); line-height: 1.4; }
.proof-ticker-body strong { color: var(--navy); font-weight: 600; }
.proof-ticker-body span { color: var(--slate); }
.proof-ticker-close { background: none; border: none; color: var(--slate); cursor: pointer; font-size: 1.1rem; padding: 4px; }
@keyframes slideInUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
@media (max-width: 720px) {
  .proof-ticker { bottom: 80px; left: 16px; right: 16px; max-width: none; }
}

/* ---------- Animated stat counter ---------- */
.stat-counter-big {
  font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 800; color: var(--navy);
  letter-spacing: -.03em; line-height: 1; display: inline-block;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}

/* ---------- Comparison table (SilverEdge vs typical broker) ---------- */
.compare-table {
  background: #fff; border-radius: var(--radius-lg); overflow: hidden;
  border: 1px solid rgba(17,35,55,.08); box-shadow: var(--shadow-sm);
}
.compare-head {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 1px; background: rgba(17,35,55,.06);
}
.compare-head > div { background: #fff; padding: 20px 24px; font-weight: 700; color: var(--navy); }
.compare-head > div:nth-child(2) { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%); color: #fff; position: relative; }
.compare-head > div:nth-child(2)::after { content: '★ BEST'; position: absolute; top: -10px; right: 20px; background: #f59e0b; color: #fff; padding: 3px 10px; border-radius: 100px; font-size: .7rem; font-weight: 700; letter-spacing: .04em; }
.compare-row {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 1px; background: rgba(17,35,55,.04);
}
.compare-row > div { background: #fff; padding: 16px 24px; font-size: .95rem; color: var(--navy); display: flex; align-items: center; gap: 8px; }
.compare-row > div:first-child { color: var(--slate); font-weight: 500; }
.compare-row > div:nth-child(2) { background: var(--light-blue-soft); color: var(--navy); font-weight: 600; }
.check-green { color: #10b981; }
.check-red { color: #ef4444; }
.check-amber { color: #f59e0b; }
@media (max-width: 700px) {
  .compare-head, .compare-row { grid-template-columns: 1fr; }
  .compare-row > div { border-bottom: 1px solid rgba(0,0,0,.04); }
}

/* ---------- Multi-step form (progress + steps) ---------- */
.step-progress {
  display: flex; gap: 4px; margin-bottom: 20px; align-items: center;
}
.step-dot {
  flex: 1; height: 4px; background: rgba(17,35,55,.1); border-radius: 2px;
  transition: background .3s var(--ease);
}
.step-dot.active { background: var(--blue); }
.step-dot.done { background: var(--blue-deep); }
.step-header {
  display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px;
}
.step-label { color: var(--slate); font-size: .88rem; font-weight: 500; }
.step-back {
  color: var(--blue); background: none; border: none; font-weight: 500; cursor: pointer; padding: 6px 10px; font-size: .9rem; border-radius: 6px;
}
.step-back:hover { background: var(--light-blue-soft); }
.step-content { animation: stepFade .3s var(--ease); }
@keyframes stepFade { from { opacity: 0; transform: translateX(20px); } to { opacity: 1; transform: translateX(0); } }
.step-choice {
  display: grid; gap: 10px;
}
.step-choice button {
  padding: 18px 20px; border-radius: 12px; border: 1.5px solid rgba(17,35,55,.1);
  background: #fff; color: var(--navy); font-family: inherit; font-size: 1rem; font-weight: 600;
  cursor: pointer; text-align: left; display: flex; align-items: center; gap: 14px;
  transition: all .2s var(--ease);
}
.step-choice button:hover { border-color: var(--blue); background: var(--light-blue-soft); transform: translateX(4px); }
.step-choice button .choice-icon { font-size: 1.4rem; }
.step-choice button .choice-body { flex: 1; }
.step-choice button .choice-body .choice-sub { display: block; font-weight: 400; font-size: .85rem; color: var(--slate); margin-top: 2px; }

/* ---------- Result bar chart (ACA savings) ---------- */
.savings-viz {
  margin: 24px 0; padding: 24px; background: #fff; border-radius: 14px;
  border: 1px solid rgba(14,135,239,.15);
}
.savings-viz-title { font-size: .88rem; color: var(--slate); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 14px; }
.savings-bar {
  display: flex; height: 52px; border-radius: 12px; overflow: hidden;
  box-shadow: 0 4px 14px rgba(17,35,55,.1);
}
.savings-bar-subsidy {
  background: linear-gradient(135deg, #10b981 0%, #059669 100%);
  display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: .95rem;
  transition: width .8s var(--ease);
}
.savings-bar-you {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: .95rem;
  transition: width .8s var(--ease);
}
.savings-legend {
  display: flex; gap: 24px; margin-top: 12px; flex-wrap: wrap;
}
.savings-legend > div { display: flex; align-items: center; gap: 8px; font-size: .88rem; color: var(--slate); }
.savings-legend-dot { width: 12px; height: 12px; border-radius: 4px; }

/* ---------- Exit intent modal ---------- */
.exit-modal {
  display: none; position: fixed; inset: 0; background: rgba(17,35,55,.6); z-index: 200;
  align-items: center; justify-content: center; padding: 24px;
  animation: fade .2s ease;
}
.exit-modal.show { display: flex; }
.exit-modal-card {
  background: #fff; border-radius: var(--radius-lg); max-width: 440px; width: 100%;
  padding: 36px; position: relative;
  box-shadow: 0 30px 80px rgba(17,35,55,.3);
  animation: popin .25s var(--ease);
}
.exit-modal-close {
  position: absolute; top: 12px; right: 12px; background: none; border: none;
  font-size: 1.6rem; color: var(--slate); cursor: pointer; line-height: 1; padding: 8px;
}
.exit-modal-card h2 { font-size: 1.6rem; margin-bottom: 10px; }
.exit-modal-card p { color: var(--slate); }
.exit-modal-card input { margin-top: 16px; }
.exit-modal-card .btn { margin-top: 12px; width: 100%; }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }
@keyframes popin { from { opacity: 0; transform: scale(.92); } to { opacity: 1; transform: scale(1); } }

/* ---------- Section reveal on scroll (disabled — caused invisibility edge cases) ---------- */
.reveal { opacity: 1 !important; transform: none !important; }

/* ---------- Enhanced FAQ (richer hover state) ---------- */
.faq-item {
  padding: 20px 24px; border: 1px solid rgba(17,35,55,.06); border-radius: 12px;
  margin-bottom: 10px; transition: all .2s var(--ease); background: #fff;
}
.faq-item:hover { border-color: var(--blue); box-shadow: 0 4px 16px rgba(14,135,239,.1); }
.faq-item[open] { border-color: var(--blue); background: var(--light-blue-soft); }

/* ---------- Enrollment timeline (Medicare page) ---------- */
.enroll-timeline {
  position: relative; padding: 40px 0 20px;
}
.enroll-timeline::before {
  content: ''; position: absolute; top: 56px; left: 5%; right: 5%; height: 4px;
  background: linear-gradient(90deg, var(--blue-deep), var(--blue), #10b981); border-radius: 2px;
}
.enroll-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; position: relative;
}
.enroll-point {
  text-align: center; position: relative; padding-top: 40px;
}
.enroll-dot {
  position: absolute; top: 40px; left: 50%; transform: translate(-50%, -50%);
  width: 24px; height: 24px; border-radius: 50%; background: #fff; border: 4px solid var(--blue);
  z-index: 2;
}
.enroll-point h4 { margin: 16px 0 6px; font-size: 1rem; }
.enroll-point .enroll-dates { color: var(--blue-deep); font-weight: 700; font-size: .88rem; }
.enroll-point p { font-size: .85rem; color: var(--slate); margin-top: 6px; }
@media (max-width: 720px) {
  .enroll-timeline::before { top: 18px; bottom: 18px; left: 18px; width: 4px; height: auto; }
  .enroll-row { grid-template-columns: 1fr; gap: 32px; }
  .enroll-point { padding-top: 0; padding-left: 50px; text-align: left; }
  .enroll-dot { top: 12px; left: 18px; transform: translate(-50%, 0); }
}

/* ---------- Agent comp visualization (tier cards) ---------- */
.comp-tiers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 24px; }
.comp-tier {
  padding: 28px 24px; border-radius: 16px; text-align: center;
  background: #fff; border: 1.5px solid rgba(17,35,55,.08);
  transition: all .25s var(--ease);
}
.comp-tier:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(14,135,239,.3); }
.comp-tier-best { border-color: var(--blue); background: linear-gradient(180deg, var(--light-blue-soft) 0%, #fff 60%); box-shadow: 0 12px 36px rgba(14,135,239,.18); }
.comp-tier-best .comp-tier-label { color: var(--blue-deep); }
.comp-tier-label { color: var(--slate); font-size: .82rem; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 8px; }
.comp-tier-value { font-size: 2.4rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; letter-spacing: -.02em; line-height: 1; }
.comp-tier-note { color: var(--slate); font-size: .88rem; }
@media (max-width: 720px) { .comp-tiers { grid-template-columns: 1fr; } }

/* ---------- Portal command palette (Cmd+K) ---------- */
.cmdk {
  display: none; position: fixed; inset: 0; background: rgba(17,35,55,.5); z-index: 300;
  align-items: flex-start; justify-content: center; padding: 100px 20px;
}
.cmdk.show { display: flex; animation: fade .15s ease; }
.cmdk-card {
  background: #fff; border-radius: 12px; width: 100%; max-width: 520px;
  box-shadow: 0 30px 80px rgba(17,35,55,.35); overflow: hidden;
  animation: popin .15s var(--ease);
}
.cmdk-input {
  width: 100%; padding: 18px 20px; border: none; font-size: 1.1rem; font-family: inherit;
  border-bottom: 1px solid rgba(17,35,55,.08);
}
.cmdk-input:focus { outline: none; box-shadow: none; }
.cmdk-list { max-height: 400px; overflow-y: auto; padding: 6px 0; }
.cmdk-item {
  padding: 12px 20px; display: flex; align-items: center; gap: 12px; cursor: pointer;
  color: var(--navy); font-size: .95rem;
}
.cmdk-item:hover, .cmdk-item.active { background: var(--light-blue-soft); }
.cmdk-item-icon { width: 22px; text-align: center; color: var(--blue); }
.cmdk-item-label { flex: 1; }
.cmdk-item-group { color: var(--slate); font-size: .78rem; text-transform: uppercase; letter-spacing: .04em; font-weight: 600; }
.cmdk-hint { padding: 10px 20px; background: var(--gray-50); font-size: .78rem; color: var(--slate); border-top: 1px solid rgba(17,35,55,.04); }
.cmdk-hint kbd {
  background: #fff; border: 1px solid rgba(17,35,55,.12); border-radius: 4px; padding: 2px 6px;
  font-family: ui-monospace, monospace; font-size: .82em; margin: 0 2px;
}

/* ---------- Page load shimmer ---------- */
.skeleton {
  background: linear-gradient(90deg, var(--gray-100) 25%, var(--light-blue-soft) 50%, var(--gray-100) 75%);
  background-size: 200% 100%; animation: shimmer 1.4s infinite; border-radius: 8px;
}
@keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

/* ---------- CTA gradient animation ---------- */
.btn-primary.btn-gradient {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  background-size: 200% 200%;
  animation: gradientMove 6s ease infinite;
}
@keyframes gradientMove { 0% { background-position: 0% 50%; } 50% { background-position: 100% 50%; } 100% { background-position: 0% 50%; } }

/* ---------- Subtle float for proof/testimonial cards ---------- */
.float-on-hover { transition: transform .2s var(--ease), box-shadow .2s var(--ease); }
.float-on-hover:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(17,35,55,.12); }

/* ---------- Sticky-call FAB: subtle glow pulse ---------- */
.sticky-call::before {
  content: ''; position: absolute; inset: -4px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(14,135,239,.35) 0%, transparent 70%);
  opacity: 0; transition: opacity .3s;
  z-index: -1;
  animation: fabGlow 3s ease-in-out infinite;
}
@keyframes fabGlow {
  0%, 100% { opacity: .35; transform: scale(1); }
  50% { opacity: .6; transform: scale(1.15); }
}

/* ==========================================================================
   WAVE 1 — Accessibility + Contrast + Motion
   ========================================================================== */

/* Global focus ring — visible on keyboard navigation */
:focus { outline: none; }
:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 2px;
  border-radius: 6px;
}
.btn:focus-visible { outline-offset: 3px; }
input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 0;
  border-color: var(--blue) !important;
}

/* Re-enable focus rings on hero ZIP inputs (override legacy outline:none) */
.zip-fields input:focus-visible, .zip-fields select:focus-visible {
  outline: 3px solid var(--blue) !important;
  outline-offset: 0 !important;
  box-shadow: 0 0 0 1px var(--blue) !important;
}

/* FAQ focus state */
.faq-item:focus-within {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(14,135,239,.15);
}

/* Contrast fixes — urgency bar (was 2.15:1, now ~6:1) */
.urgency-bar {
  background: linear-gradient(90deg, #b45309 0%, #991b1b 100%) !important;
  font-weight: 600;
}

/* Eyebrow — was #0E87EF on white (3.66:1), now --blue-deep (7.6:1) */
.section-head .eyebrow, .eyebrow, .hero-eyebrow {
  color: var(--blue-deep) !important;
}

/* Offer perk — white on light blue was 2.7:1 */
.offer-band {
  background: linear-gradient(135deg, var(--blue-deep) 0%, var(--blue-dark) 100%) !important;
}
.offer-perk span, .offer-perk strong { color: #ffffff !important; }

/* Required-field indicator */
.req, label .req {
  color: #b91c1c;
  font-weight: 700;
  margin-left: 2px;
}

/* Reduced motion — respect user preference */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
  .hero-blob, .floaty, .urgency-dot, .sticky-call,
  .btn-gradient, .proof-ticker, .shimmer { animation: none !important; }
}

/* ==========================================================================
   WAVE 2 — Mobile Overhaul (2/10 → 10/10)
   ========================================================================== */

/* --- Nav toggle button — hidden on desktop, shown on mobile --- */
.nav-toggle {
  display: none;
  align-items: center; justify-content: center;
  width: 44px; height: 44px;
  background: transparent; border: 1px solid rgba(17,35,55,.12);
  border-radius: 10px; cursor: pointer; color: var(--navy);
  padding: 0;
}
.nav-toggle:hover { background: var(--light-blue-soft); border-color: var(--blue); }
.nav-toggle svg { width: 22px; height: 22px; }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav-cta .btn-primary,
  .nav-cta .btn-navy,
  .nav-cta .btn-ghost { display: none; }
  .nav-phone .nav-phone-num { display: none; }
  .nav-inner { gap: 10px; padding: 12px 16px; }
}

/* --- Mobile drawer --- */
.mobile-drawer-backdrop {
  position: fixed; inset: 0;
  background: rgba(17,35,55,.5);
  z-index: 90; opacity: 0;
  visibility: hidden;
  transition: opacity .25s var(--ease), visibility .25s;
}
.mobile-drawer-backdrop.open { opacity: 1; visibility: visible; }

.mobile-drawer {
  position: fixed; top: 0; right: 0;
  width: min(340px, 90vw); height: 100%;
  background: #fff;
  z-index: 100;
  transform: translateX(100%);
  transition: transform .28s var(--ease);
  display: flex; flex-direction: column;
  box-shadow: -12px 0 40px rgba(17,35,55,.15);
  overflow-y: auto;
}
.mobile-drawer.open { transform: translateX(0); }

.mobile-drawer-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px; border-bottom: 1px solid rgba(17,35,55,.06);
  position: sticky; top: 0; background: #fff; z-index: 1;
}
.mobile-drawer-close {
  width: 40px; height: 40px;
  background: transparent; border: none; cursor: pointer;
  color: var(--slate); display: grid; place-items: center;
  border-radius: 8px;
}
.mobile-drawer-close:hover { background: var(--light-blue-soft); color: var(--navy); }
.mobile-drawer-close svg { width: 22px; height: 22px; }

.mobile-drawer-nav {
  display: flex; flex-direction: column;
  padding: 8px 12px;
  list-style: none; margin: 0;
}
.mobile-drawer-nav a {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 14px;
  color: var(--navy); font-weight: 500; font-size: 1.05rem;
  border-radius: 10px;
  text-decoration: none;
  min-height: 44px;
}
.mobile-drawer-nav a:hover, .mobile-drawer-nav a[aria-current="page"] {
  background: var(--light-blue-soft); color: var(--blue-deep);
}
.mobile-drawer-nav li + li a { border-top: none; }
.mobile-drawer-nav svg { width: 18px; height: 18px; color: var(--slate); }

.mobile-drawer-cta {
  margin-top: auto;
  padding: 20px;
  border-top: 1px solid rgba(17,35,55,.06);
  display: flex; flex-direction: column; gap: 10px;
  background: var(--light-blue-soft);
}
.mobile-drawer-cta .btn { width: 100%; min-height: 48px; font-size: 1.05rem; }
.mobile-drawer-cta .mobile-phone {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  color: var(--navy); font-weight: 700; font-size: 1.1rem;
  padding: 12px; text-decoration: none;
  min-height: 48px;
}
.mobile-drawer-cta .mobile-phone svg { color: var(--blue); }

/* Lock body scroll when drawer is open */
body.drawer-open { overflow: hidden; }

/* --- Hero polish on mobile --- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr !important; gap: 24px !important; }
  .hero-visual, .hero-visual-photo {
    max-width: 360px !important;
    margin: 0 auto !important;
    width: 100% !important;
  }
  .hero-visual-photo { aspect-ratio: 4 / 3 !important; }
  .hv-float-1, .hv-float-2 { display: none !important; }
  .hero { padding: 40px 0 32px !important; }
  .hero h1 { font-size: clamp(2rem, 7vw, 2.6rem) !important; line-height: 1.15 !important; }
  .hero-sub { font-size: 1.05rem !important; }
}
@media (max-width: 500px) {
  .hero h1 { font-size: 1.9rem !important; }
  .hero-visual-photo { max-width: 100% !important; }
  .hv-card { left: 12px !important; right: 12px !important; bottom: 12px !important; padding: 12px 14px !important; }
  .hv-card .hv-text { font-size: .85rem !important; }
  .hv-card .hv-avatar { width: 38px !important; height: 38px !important; font-size: .9rem !important; }
}

/* --- Section padding reduction on mobile --- */
@media (max-width: 700px) {
  .section { padding: 56px 0 !important; }
  .section.alt { padding: 56px 0 !important; }
  .section-head { margin: 0 auto 32px !important; }
  .container, .container-narrow { padding: 0 18px !important; }
  h2 { font-size: clamp(1.5rem, 5.5vw, 2rem) !important; }
  h3 { font-size: 1.15rem !important; }
  p.lead { font-size: 1.05rem !important; }
}

/* --- Card grids mobile --- */
@media (max-width: 768px) {
  .card-grid-2, .card-grid-3, .card-grid-4 {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }
  .card { padding: 24px !important; }
  .trust-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 16px !important; }
  .trust-stat .n { font-size: 1.8rem !important; }
  .stat-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .advisor-grid { grid-template-columns: repeat(2, 1fr) !important; gap: 20px !important; }
  .footer-grid { grid-template-columns: 1fr 1fr !important; gap: 24px !important; }
}
@media (max-width: 480px) {
  .trust-grid { grid-template-columns: 1fr 1fr !important; }
  .advisor-grid { grid-template-columns: 1fr !important; }
  .footer-grid { grid-template-columns: 1fr !important; }
}

/* --- Form tap targets on mobile (≥44px) --- */
@media (max-width: 768px) {
  input[type="text"], input[type="email"], input[type="tel"],
  input[type="number"], input[type="date"], input[type="password"],
  select, textarea {
    min-height: 48px !important;
    font-size: 16px !important; /* prevents iOS zoom-on-focus */
    padding: 12px 14px !important;
  }
  .btn { min-height: 48px !important; padding: 14px 20px !important; font-size: 1rem !important; }
  .btn-sm { min-height: 40px !important; padding: 10px 14px !important; }
  .btn-lg { min-height: 54px !important; font-size: 1.05rem !important; }
  .zip-fields {
    grid-template-columns: 1fr !important;
    gap: 10px !important;
  }
}

/* --- Urgency bar mobile — one line, ellipsis, wraps cleanly --- */
@media (max-width: 768px) {
  .urgency-bar {
    padding: 10px 14px !important;
    font-size: .82rem !important;
    line-height: 1.45 !important;
  }
  .urgency-bar .container { padding: 0 !important; }
}

/* --- Trust / stats mobile --- */
@media (max-width: 600px) {
  .trust { padding: 28px 0 !important; }
}

/* --- Sticky mobile call FAB — refined --- */
@media (max-width: 768px) {
  /* Hide proof ticker on mobile (overlaps with FAB) */
  .proof-ticker { display: none !important; }
}

/* --- Hero CTAs full-width on smallest screens --- */
@media (max-width: 500px) {
  .hero .btn, .cta-band .btn, .offer-band .btn { width: 100% !important; }
  .hero .btn-row, .cta-band .btn-row {
    flex-direction: column !important; gap: 10px !important;
  }
}

/* --- Table scroll on mobile --- */
@media (max-width: 768px) {
  .portal-table, .compare-table {
    font-size: .92rem !important;
  }
  .portal-table-wrap, .compare-table-wrap {
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch;
  }
}

/* --- Images never overflow --- */
img, svg { max-width: 100%; height: auto; }
img[width][height] { height: auto; }

/* --- No horizontal scroll anywhere --- */
html, body { overflow-x: hidden; }

/* --- Prevent any element from overflowing its container --- */
@media (max-width: 768px) {
  pre, code, table, iframe { max-width: 100%; overflow-x: auto; }
}

/* ==========================================================================
   Portal helpers — skeletons, empty/error states, confirm modal
   ========================================================================== */

.portal-skel { display: flex; flex-direction: column; gap: 12px; padding: 4px 0; }
.portal-skel-row {
  height: 48px; border-radius: 8px;
  background: linear-gradient(90deg, #f1f5f9 0%, #e2e8f0 50%, #f1f5f9 100%);
  background-size: 200% 100%;
  animation: portalSkel 1.25s ease-in-out infinite;
}
@keyframes portalSkel { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

.portal-empty-title { font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-top: 6px; }
.portal-empty-sub { color: var(--slate); margin-top: 4px; font-size: .95rem; }
.portal-error { text-align: center; padding: 32px 16px; }

.portal-confirm-backdrop {
  position: fixed; inset: 0; z-index: 9998;
  background: rgba(17,35,55,.55);
  display: grid; place-items: center;
  padding: 20px;
  animation: fadeIn .2s var(--ease);
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

.portal-confirm-card {
  background: #fff; border-radius: 14px;
  max-width: 440px; width: 100%;
  padding: 28px 28px 22px;
  box-shadow: 0 30px 60px rgba(17,35,55,.25);
  animation: popIn .25s var(--ease);
}
@keyframes popIn { from { opacity: 0; transform: scale(.96); } to { opacity: 1; transform: scale(1); } }

.portal-confirm-card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.2rem; }
.portal-confirm-card p { margin: 0 0 20px; color: var(--slate); }
.portal-confirm-actions { display: flex; justify-content: flex-end; gap: 10px; }
.portal-confirm-actions .btn { min-width: 110px; }

.btn-danger {
  background: #b91c1c; color: #fff;
  box-shadow: 0 6px 18px rgba(185,28,28,.3);
}
.btn-danger:hover { background: #991b1b; color: #fff; transform: translateY(-1px); }

/* ==========================================================================
   Carriers band — typographic wordmark strip
   ========================================================================== */

.carriers-band {
  padding: 44px 0;
  background: #f8fafc;
  border-top: 1px solid rgba(17,35,55,.05);
  border-bottom: 1px solid rgba(17,35,55,.05);
}
.carriers-label {
  text-align: center; color: var(--slate);
  font-size: .95rem; font-weight: 500;
  margin-bottom: 24px;
  letter-spacing: .01em;
}
.carriers-list {
  display: flex; justify-content: center; align-items: center;
  flex-wrap: wrap; gap: 14px 36px;
  max-width: 1080px; margin: 0 auto;
}
.carriers-list span {
  color: var(--navy); opacity: .72;
  font-weight: 600; font-size: 1.05rem;
  letter-spacing: -.01em;
  transition: opacity .2s var(--ease);
}
.carriers-list span:hover { opacity: 1; }
@media (max-width: 700px) {
  .carriers-band { padding: 32px 0; }
  .carriers-list { gap: 10px 20px; }
  .carriers-list span { font-size: .95rem; }
}

/* ==========================================================================
   ELITE POLISH — Micro-interactions, hover states, card elevation
   ========================================================================== */

/* Button polish — subtle lift + shadow transitions */
.btn {
  position: relative;
  transition: transform .18s cubic-bezier(.2,.8,.2,1),
              box-shadow .22s cubic-bezier(.2,.8,.2,1),
              background-color .15s ease,
              color .15s ease;
}
.btn:active { transform: translateY(0) scale(.98); }

.btn-primary {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-deep) 100%);
  background-size: 150% 100%;
  background-position: 0% 50%;
  transition: background-position .3s ease, transform .18s cubic-bezier(.2,.8,.2,1),
              box-shadow .22s cubic-bezier(.2,.8,.2,1);
}
.btn-primary:hover {
  background-position: 100% 50%;
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(14,135,239,.42);
}

.btn-ghost {
  transition: all .18s cubic-bezier(.2,.8,.2,1);
}
.btn-ghost:hover {
  transform: translateY(-1px);
  background: rgba(14,135,239,.06);
  border-color: var(--blue);
  color: var(--blue-deep);
}

/* Card polish — subtle elevation system */
.card, .portal-panel, .portal-card, .testi, .advisor-card {
  transition: transform .22s cubic-bezier(.2,.8,.2,1),
              box-shadow .22s cubic-bezier(.2,.8,.2,1),
              border-color .22s;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(17,35,55,.1);
  border-color: rgba(14,135,239,.15);
}
.testi:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 36px rgba(17,35,55,.1);
}
.advisor-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(17,35,55,.12);
}

/* Hero path card polish */
.hero-path {
  transition: transform .22s cubic-bezier(.2,.8,.2,1),
              box-shadow .22s cubic-bezier(.2,.8,.2,1),
              border-color .22s;
}
.hero-path:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(14,135,239,.18);
  border-color: var(--blue);
}

/* Link underline animation on body text links */
main p a, main li a {
  background-image: linear-gradient(currentColor, currentColor);
  background-size: 0 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size .25s ease;
  padding-bottom: 1px;
}
main p a:hover, main li a:hover {
  background-size: 100% 1px;
}

/* Form focus — gentle blue lift */
input:not([type=checkbox]):not([type=radio]):not([type=submit]):focus,
select:focus, textarea:focus {
  box-shadow: 0 0 0 4px rgba(14,135,239,.12);
  border-color: var(--blue) !important;
}

/* Required-field asterisk spacing */
label .req { margin-left: 4px; }

/* Smoother shadows on cards by default */
.card { box-shadow: 0 1px 3px rgba(17,35,55,.04), 0 2px 10px rgba(17,35,55,.04); }
.portal-panel { box-shadow: 0 1px 3px rgba(17,35,55,.04); }

/* Stat card polish */
.trust-stat { transition: transform .25s var(--ease); }
.trust-stat:hover { transform: translateY(-2px); }

/* Typography — improve rhythm */
body { letter-spacing: -0.005em; }
h1, h2 { letter-spacing: -0.025em; }

/* Image container subtle entry */
.hero-visual-photo > img {
  transition: transform .4s cubic-bezier(.2,.8,.2,1);
}
.hero-visual-photo:hover > img {
  transform: scale(1.015);
}

/* Navigation polish — subtle underline on hover */
.nav-links a {
  position: relative;
  padding: 6px 0;
}
.nav-links a::after {
  content: '';
  position: absolute;
  left: 50%; bottom: 0;
  width: 0; height: 2px;
  background: var(--blue);
  transform: translateX(-50%);
  transition: width .22s var(--ease);
}
.nav-links a:hover::after,
.nav-links a[aria-current="page"]::after {
  width: 100%;
}

/* Pill / badge polish */
.pill, .portal-pill {
  transition: transform .15s ease;
}
.pill:hover, .portal-pill:hover {
  transform: scale(1.03);
}

/* Smooth anchor scrolling offset for fixed nav */
html { scroll-padding-top: 80px; }
@media (max-width: 900px) { html { scroll-padding-top: 60px; } }

/* Remove focus ring visibility on mouse click (keep for keyboard) */
*:focus:not(:focus-visible) { outline: none; }

/* Offer-perk grid mobile fix */
@media (max-width: 600px) {
  .offer-perks { grid-template-columns: 1fr !important; gap: 10px !important; }
}

/* ==========================================================================
   About page — milestone timeline
   ========================================================================== */

.milestone-timeline {
  position: relative;
  padding: 20px 0 20px 40px;
  margin-top: 20px;
}
.milestone-timeline::before {
  content: '';
  position: absolute;
  left: 8px; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--blue) 0%, var(--blue-deep) 100%);
  opacity: .3;
}
.milestone {
  position: relative;
  padding: 16px 0 28px 32px;
}
.milestone::before {
  content: '';
  position: absolute;
  left: -40px; top: 22px;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--blue);
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--blue-deep);
}
.milestone-year {
  position: absolute;
  left: -8px;
  top: 54px;
  font-size: .82rem;
  font-weight: 700;
  color: var(--blue-deep);
  letter-spacing: .04em;
  background: #fff;
  padding: 4px 8px;
  border-radius: 6px;
  box-shadow: 0 2px 6px rgba(17,35,55,.08);
}
.milestone-body h3 { margin: 0 0 6px; color: var(--navy); font-size: 1.15rem; }
.milestone-body p { margin: 0; color: var(--slate); }

@media (max-width: 600px) {
  .milestone-timeline { padding-left: 22px; }
  .milestone { padding-left: 16px; padding-bottom: 32px; }
  .milestone::before { left: -22px; width: 14px; height: 14px; top: 18px; }
  .milestone-year { position: static; display: inline-block; margin-bottom: 6px; }
}