/* Big Time Insurance Agency - landing pages */
:root {
  --blue-950: #061b37;
  --blue-900: #0a2c58;
  --blue-800: #1250a0;
  --blue-700: #1662c5;
  --green: #4ca22e;
  --green-deep: #3b8526;
  --green-dark: #2f6e1f;
  --green-text: #2f6e1f;
  --green-light: #a9e58c;
  --green-tint: #e7f4e1;
  --bg-soft: #eef3f9;
  --ink: #1f2937;
  --ink-soft: #46546b;
  --line: #d9e1eb;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(10, 44, 88, 0.06), 0 12px 32px -12px rgba(10, 44, 88, 0.2);
  --font-head: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body: 'Open Sans', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  padding-bottom: 76px;
}
img, svg { max-width: 100%; }
h1, h2, h3 { font-variant-numeric: lining-nums; font-family: var(--font-head); line-height: 1.2; margin: 0 0 .6em; color: var(--blue-900); font-weight: 700; }
h1 { font-size: clamp(2rem, 6.4vw, 3.4rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.65rem, 4.4vw, 2.4rem); }
h3, .h3 { font-size: 1.25rem; font-family: var(--font-head); font-weight: 700; margin: 0 0 .5em; color: var(--blue-900); }
p { margin: 0 0 1em; }
a { color: var(--blue-800); text-underline-offset: 3px; }
a:hover { color: var(--blue-700); }
code { background: var(--bg-soft); padding: 0 .3em; border-radius: 4px; font-size: .9em; }

:focus-visible { outline: 3px solid var(--blue-800); outline-offset: 3px; border-radius: 4px; }
.hero :focus-visible, .section-blue :focus-visible, .topbar :focus-visible, .site-footer :focus-visible, .value-strip :focus-visible, .sticky-cta :focus-visible { outline-color: var(--green-light); }

.skip-link { position: absolute; left: -999px; top: 0; background: var(--green-light); color: var(--blue-900); padding: .6rem 1rem; z-index: 100; font-weight: 700; }
.skip-link:focus { left: .5rem; top: .5rem; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 1.25rem; }
.container-narrow { max-width: 820px; }
.center { text-align: center; }
.muted { color: var(--ink-soft); }
.icon { width: 1.25em; height: 1.25em; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* Phone + license block: one shared size so the license is never smaller than the phone number */
.phone-block { --pb: .9375rem; margin: 0; font-size: var(--pb); line-height: 1.5; display: flex; flex-wrap: wrap; align-items: baseline; gap: .1rem .9rem; color: var(--ink); }
.phone-block .phone, .phone-block .lic { font-size: 1em; }
.phone-block .phone { display: inline-flex; align-items: center; gap: .4em; font-weight: 700; text-decoration: none; color: var(--blue-800); white-space: nowrap; min-height: 24px; }
.phone-block .phone:hover { text-decoration: underline; }
.phone-block .lic { font-weight: 600; letter-spacing: .005em; }
.phone-block.on-dark { color: #dfe7f5; }
.phone-block.on-dark .phone { color: #fff; }

.topbar { background: var(--blue-950); border-bottom: 1px solid rgba(76, 162, 46, .35); padding: .45rem 0; }
.topbar .phone-block { justify-content: center; text-align: center; }

.site-header { background: var(--blue-900); border-bottom: 1px solid rgba(190, 214, 255, .18); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: .8rem; padding-bottom: .8rem; }
.brand { display: inline-flex; align-items: center; gap: .7rem; text-decoration: none; color: #fff; }
.brand-mark { width: 58px; height: 44px; flex: none; object-fit: contain; background: #fff; border-radius: 10px; padding: 3px 5px; box-shadow: 0 0 0 2px rgba(169, 229, 140, .55); }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-head); font-weight: 700; font-size: 1.4rem; color: #fff; letter-spacing: .01em; }
.brand-sub { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; color: var(--green-light); font-weight: 600; margin-top: .2rem; }
.site-nav { display: none; gap: 1.6rem; }
.site-nav a { color: #e9eefa; text-decoration: none; font-weight: 600; font-size: .95rem; padding: .35rem 0; border-bottom: 1px solid transparent; }
.site-nav a:hover { color: #fff; border-bottom-color: var(--green); }
@media (min-width: 900px) { .site-nav { display: flex; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .6em; font: 700 1rem/1.25 var(--font-body); padding: .85rem 1.4rem; border-radius: 999px; text-decoration: none; cursor: pointer; border: 1.5px solid transparent; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; text-align: center; min-height: 48px; }
.btn-lg { padding: 1rem 1.7rem; font-size: 1.0625rem; }
.btn-block { width: 100%; }
.btn-primary { color: var(--blue-950); font-weight: 800; background: linear-gradient(135deg, #58ae37 0%, #4ca22e 100%); box-shadow: 0 1px 0 rgba(255,255,255,.28) inset, 0 8px 24px -8px rgba(76, 162, 46, .85); }
.btn-primary:hover { color: #fff; background: #3b8526; transform: translateY(-2px); box-shadow: 0 1px 0 rgba(255,255,255,.28) inset, 0 14px 28px -10px rgba(76, 162, 46, .95); }
.btn-primary:active { transform: translateY(0); }
.btn-primary:disabled { opacity: .65; cursor: progress; transform: none; }
.btn-ghost { color: #fff; border-color: rgba(190, 214, 255, .6); background: transparent; }
.btn-ghost:hover { background: rgba(190, 214, 255, .12); color: #fff; }
.btn-outline { color: var(--blue-800); border-color: var(--blue-800); background: transparent; padding: .65rem 1.1rem; min-height: 44px; }
.btn-outline:hover { background: var(--blue-800); color: #fff; }
.btn .icon { transition: transform .2s ease; }
.btn:hover .icon { transform: translateX(3px); }
.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-weight: 700; color: var(--blue-800); text-decoration: none; border-bottom: 1.5px solid var(--green); padding-bottom: 2px; }
.link-arrow:hover { color: var(--blue-700); }

/* Hero */
.hero { position: relative; color: #fff; overflow: hidden; isolation: isolate;
  background:
    radial-gradient(760px 460px at 92% -10%, rgba(76, 162, 46, .38), transparent 62%),
    radial-gradient(760px 520px at -10% 115%, rgba(26, 114, 229, .45), transparent 60%),
    linear-gradient(135deg, #0a2c58 0%, #0e3e7c 38%, #1250a0 72%, #1662c5 100%); }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -1; opacity: .5;
  background-image: repeating-linear-gradient(135deg, rgba(190, 214, 255, .05) 0 1px, transparent 1px 14px); }
.hero::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: linear-gradient(90deg, transparent, var(--green), transparent); }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--green-light); }
.hero-grid { display: grid; gap: 2rem; padding-top: 2.5rem; padding-bottom: 3rem; align-items: center; }
.hero-sub { font-size: 1.125rem; color: #e8effb; max-width: 40rem; }
.hero-actions { margin: 1.6rem 0 1.2rem; }
.hero-note { display: flex; align-items: center; gap: .5rem; margin: .8rem 0 0; font-size: .95rem; color: #dce7f9; }
.hero-call-label { margin: 0 0 .15rem; font-size: .8125rem; letter-spacing: .12em; text-transform: uppercase; color: var(--green-light); font-weight: 700; }
.hero-phone { margin-bottom: 1.2rem; padding-left: .9rem; border-left: 2px solid var(--green); }
.hero-phone .phone-block { --pb: 1rem; }
.hero-disclaimer { font-size: .875rem; color: #d0ddf3; max-width: 40rem; margin: 0; }
.hero-visual { display: none; }
.hero-art { width: 100%; max-width: 380px; margin: 0 auto; display: block; }
.a-ring { fill: none; stroke: rgba(190, 214, 255, .35); stroke-width: 1; }
.a-dash { stroke-dasharray: 2 7; stroke: rgba(190, 214, 255, .55); }
.a-faint { stroke: rgba(190, 214, 255, .28); }
.a-line { fill: none; stroke: url(#ga); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.a-fill { fill: rgba(76, 162, 46, .16); }
.a-bold { stroke-width: 3.4; }
.a-line.a-faint { stroke: rgba(190, 214, 255, .35); stroke-width: 1.4; }
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.25fr .75fr; padding-top: 4.5rem; padding-bottom: 5rem; gap: 3rem; }
  .hero-visual { display: block; }
  .hero-art .a-main { animation: floaty 9s ease-in-out infinite; transform-origin: center; }
  .hero-art .a-dash { animation: spin 90s linear infinite; transform-origin: 160px 160px; }
}
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-6px); } }
@keyframes spin { to { transform: rotate(360deg); } }
.hero-in { animation: fadeUp .8s cubic-bezier(.2, .7, .2, 1) both; animation-delay: var(--d, 0ms); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
.hero-legal .container, .hero-calc .container { padding-top: 2.4rem; padding-bottom: 2.6rem; }
.hero-legal h1, .hero-calc h1 { margin-bottom: .3em; }
.hero-legal .hero-sub { margin: 0; font-size: 1rem; }

.eyebrow { font-size: .8125rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 700; color: var(--green-text); margin: 0 0 .8rem; display: flex; align-items: center; gap: .7rem; }
.eyebrow::before { content: ''; width: 28px; height: 1px; background: currentColor; }
.eyebrow-light { color: var(--green-light); }

/* Value strip: no statistics */
.value-strip { background: var(--blue-950); color: #e9eefa; border-bottom: 1px solid rgba(76, 162, 46, .3); }
.value-strip ul { list-style: none; margin: 0; padding: 1rem 0; display: grid; grid-template-columns: 1fr 1fr; gap: .9rem 1rem; }
.value-strip li { display: flex; align-items: center; gap: .6rem; font-weight: 600; font-size: .95rem; line-height: 1.35; }
.value-strip .icon { color: var(--green); width: 1.5rem; height: 1.5rem; }
@media (min-width: 900px) { .value-strip ul { grid-template-columns: repeat(4, 1fr); } .value-strip li { justify-content: center; } }

/* Sections */
.section { padding: 3.6rem 0; }
.section-tint { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-blue { color: #fff; background: radial-gradient(800px 420px at 100% 0, rgba(76, 162, 46, .3), transparent 60%), linear-gradient(135deg, #0a2c58 0%, #0e3e7c 45%, #1250a0 100%); position: relative; }
.section-blue h2 { color: #fff; }
.section-head { max-width: 46rem; margin: 0 auto 2.2rem; text-align: center; }
.section-head .eyebrow { justify-content: center; }
.section-head .eyebrow::after { content: ''; width: 28px; height: 1px; background: currentColor; }
.lede { font-size: 1.125rem; color: var(--ink-soft); }
.lede-light { color: #e8effb; }
@media (min-width: 900px) { .section { padding: 5rem 0; } }

.icon-badge { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(135deg, var(--blue-800), var(--blue-900)); color: var(--green-light); box-shadow: 0 0 0 1px rgba(76, 162, 46, .55), 0 0 0 5px rgba(76, 162, 46, .12); margin-bottom: 1rem; flex: none; }
.icon-badge .icon { width: 24px; height: 24px; }
.icon-badge-green { background: linear-gradient(135deg, #4ca22e, #3b8526); color: #fff; box-shadow: 0 0 0 5px rgba(76, 162, 46, .18); }

.card-grid { display: grid; gap: 1.1rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 960px) { .card-grid { grid-template-columns: repeat(3, 1fr); gap: 1.4rem; } .card-grid-4 { grid-template-columns: repeat(4, 1fr); } }
.card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.5rem; box-shadow: var(--shadow); transition: transform .25s ease, box-shadow .25s ease; overflow: hidden; }
.card::before { content: ''; position: absolute; left: 1.5rem; right: 1.5rem; top: 0; height: 2px; background: linear-gradient(90deg, var(--green), transparent); }
.card:hover { transform: translateY(-3px); box-shadow: 0 1px 2px rgba(10, 44, 88, .06), 0 18px 36px -14px rgba(10, 44, 88, .28); }
.card p { color: var(--ink-soft); margin: 0; }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0 0 2.2rem; display: grid; gap: 1.4rem; counter-reset: s; }
.step { position: relative; background: #fff; border-radius: var(--radius); padding: 1.6rem 1.5rem 1.5rem; border: 1px solid var(--line); box-shadow: var(--shadow); }
.step-num { font-family: var(--font-head); font-size: 3.2rem; line-height: 1; font-weight: 700; color: transparent; -webkit-text-stroke: 1.5px var(--green); display: block; margin-bottom: .4rem; }
.step p { margin: 0; color: var(--ink-soft); }
@media (min-width: 800px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 1.6rem; } .step:not(:last-child)::after { content: ''; position: absolute; top: 3rem; right: -1.6rem; width: 1.6rem; height: 1px; background: var(--green); } }

/* Calculator teaser */
.calc-teaser-wrap { padding: 2.4rem 0; }
.calc-teaser { display: grid; gap: .6rem 1.2rem; align-items: center; background: #fff; border: 1px solid var(--line); border-left: 3px solid var(--green); border-radius: var(--radius); padding: 1.3rem 1.4rem; box-shadow: var(--shadow); }
.calc-teaser .icon-badge { margin: 0; }
.calc-teaser h2 { margin: 0 0 .2rem; }
.calc-teaser p { margin: 0; color: var(--ink-soft); }
@media (min-width: 800px) { .calc-teaser { grid-template-columns: auto 1fr auto; } }

/* Trust */
.trust-grid { display: grid; gap: 1.2rem; }
@media (min-width: 900px) { .trust-grid { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; } }
.trust-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.5rem; box-shadow: var(--shadow); }
.trust-card h3 { font-size: 1.15rem; }
.trust-card p { color: var(--ink-soft); }
.trust-reviews { border: 2px dashed #7f90a9; background: repeating-linear-gradient(135deg, #f7faff 0 10px, #eaf1fa 10px 20px); box-shadow: none; }
.placeholder-flag { display: inline-block; background: var(--blue-900); color: var(--green-light) !important; font-size: .75rem; letter-spacing: .14em; font-weight: 700; padding: .15rem .6rem; border-radius: 999px; margin-bottom: .6rem !important; }

/* Form section */
.form-grid { display: grid; gap: 2rem; align-items: start; }
@media (min-width: 960px) { .form-grid { grid-template-columns: .9fr 1.1fr; gap: 3.5rem; } }
.form-cta { margin: 1.6rem 0 1rem; }
.form-or { margin: 1.4rem 0 .4rem; color: #dce7f9; font-size: .95rem; }
.form-card { background: #fff; color: var(--ink); border-radius: 18px; padding: 1.4rem; box-shadow: 0 30px 60px -24px rgba(0, 0, 0, .55); border-top: 3px solid var(--green); }
.form-card-title { font-size: 1.15rem; margin-bottom: .8rem; }
.form-card iframe { display: block; min-height: 700px; }

/* FAQ */
.faq-list { display: grid; gap: .8rem; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 1px 2px rgba(10, 44, 88, .04); }
.faq-item summary { cursor: pointer; list-style: none; padding: 1.1rem 3rem 1.1rem 1.3rem; font-weight: 700; color: var(--blue-900); position: relative; min-height: 48px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; position: absolute; right: 1.2rem; top: 50%; transform: translateY(-50%); font-size: 1.5rem; line-height: 1; color: var(--green-text); font-weight: 400; transition: transform .2s; }
.faq-item[open] summary::after { content: '\2212'; }
.faq-item[open] { border-color: var(--green); }
.faq-a { padding: 0 1.3rem 1.2rem; color: var(--ink-soft); }
.faq-a p { margin: 0; }

/* Annuity trade-offs */
.tradeoffs { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.tradeoffs li { display: flex; gap: 1.1rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem; }
.tradeoffs .icon-badge { margin: 0; }
.tradeoffs h3 { margin-bottom: .25rem; font-size: 1.1rem; }
.tradeoffs p { margin: 0; color: var(--ink-soft); }

/* Hub */
.hub-grid { display: grid; gap: 1.2rem; }
@media (min-width: 700px) { .hub-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .hub-grid { grid-template-columns: repeat(4, 1fr); } }
.hub-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.5rem; text-decoration: none; color: var(--ink); box-shadow: var(--shadow); transition: transform .25s ease, box-shadow .25s ease, border-color .25s; position: relative; overflow: hidden; }
.hub-card::before { content: ''; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: linear-gradient(90deg, var(--green), var(--green-light)); }
.hub-card:hover { transform: translateY(-4px); border-color: var(--green); color: var(--ink); }
.hub-card p { color: var(--ink-soft); flex: 1; }
.hub-card .link-arrow { align-self: flex-start; }

/* Footer */
.site-footer { background: var(--blue-950); color: #dce7f9; padding: 3rem 0 1.5rem; border-top: 1px solid rgba(76, 162, 46, .45); font-size: .9375rem; }
.footer-grid { display: grid; gap: 2rem; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr; } }
.footer-title { font-family: var(--font-head); color: #fff; font-size: 1.4rem; margin: 0 0 .4rem; }
.footer-sub { margin-bottom: 1rem; max-width: 26rem; }
.footer-head { color: var(--green-light); letter-spacing: .14em; text-transform: uppercase; font-size: .8rem; font-weight: 700; margin-bottom: .8rem; }
.footer-nav { display: flex; flex-direction: column; gap: .15rem; }
.footer-nav a { color: #e9eefa; text-decoration: none; padding: .3rem 0; min-height: 32px; }
.footer-nav a:hover { color: var(--green-light); text-decoration: underline; }
.footer-address { margin-top: 1rem; }
.muted-label { color: var(--green-light); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; font-weight: 700; }
.footer-legal { margin-top: 2rem; padding-top: 1.4rem; border-top: 1px solid rgba(190, 214, 255, .2); font-size: .875rem; color: #d0ddf3; }
.footer-legal p { margin: 0 0 .7rem; }

/* Sticky mobile CTA */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; padding: .6rem .8rem calc(.6rem + env(safe-area-inset-bottom)); background: rgba(6, 27, 55, .96); border-top: 1px solid var(--green); backdrop-filter: blur(6px); }
.sticky-cta .btn { font-size: .9rem; padding: .75rem .8rem; }
@media (min-width: 900px) { .sticky-cta { display: none; } body { padding-bottom: 0; } }

/* Legal pages */
.prose { font-size: 1.0625rem; }
.prose h2 { font-size: 1.45rem; margin-top: 2rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .5rem; }
.prose-contact { margin-top: 2rem; padding-top: 1.2rem; border-top: 1px solid var(--line); }

/* Scroll reveal */
.js .reveal { opacity: 0; transform: translateY(20px); transition: opacity .7s cubic-bezier(.2, .7, .2, 1), transform .7s cubic-bezier(.2, .7, .2, 1); transition-delay: var(--d, 0ms); }
.js .reveal.in { opacity: 1; transform: none; }

/* Shared form fields */
.field { margin-bottom: .9rem; min-width: 0; }
.field-row { display: grid; gap: 0 1rem; }
@media (min-width: 560px) { .field-row { grid-template-columns: 1fr 1fr; } }
label, .qlabel { display: block; font-weight: 700; font-size: .95rem; margin-bottom: .3rem; color: var(--blue-900); }
input[type=text], input[type=email], input[type=tel] { width: 100%; font: inherit; font-size: 1rem; padding: .75rem .9rem; border: 1.5px solid #7f90a9; border-radius: 10px; background: #fff; color: var(--ink); min-height: 48px; }
input:focus-visible { outline: 3px solid var(--blue-800); outline-offset: 1px; border-color: var(--blue-800); }
input[aria-invalid=true] { border-color: #b3261e; background: #fff8f7; }
.money { position: relative; }
.money-prefix { position: absolute; left: .9rem; top: 50%; transform: translateY(-50%); color: var(--ink-soft); font-weight: 700; pointer-events: none; }
.money input { padding-left: 1.8rem; }
.help { font-size: .84rem; color: var(--ink-soft); margin: .3rem 0 0; }
.form-error { background: #fdecea; color: #7a1710; border: 1px solid #f0b4ae; border-radius: 10px; padding: .75rem 1rem; font-weight: 600; font-size: .95rem; margin: .6rem 0; }
.fine { font-size: .8rem; color: var(--ink-soft); margin: .9rem 0 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.consent { display: flex; gap: .7rem; align-items: flex-start; margin: .4rem 0 1rem; }
.consent input { width: 26px; height: 26px; margin-top: .1rem; flex: none; accent-color: var(--green); }
.consent label { font-weight: 400; font-size: .9rem; color: var(--ink); margin: 0; line-height: 1.5; }
.btn-link { background: none; border: 0; font: 600 .95rem var(--font-body); color: var(--green-light); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; padding: .6rem .4rem; min-height: 44px; }
.btn-link:hover { color: #fff; }
.flip { transform: scaleX(-1); }
.btn:hover .flip { transform: scaleX(-1) translateX(3px); }

/* Step-by-step experience (quiz and calculator): blue and green */
.qcard { position: relative; color: #fff; border-radius: 22px; padding: 1.2rem 1.1rem 1.4rem; border: 1px solid rgba(169, 229, 140, .55);
  background: radial-gradient(520px 300px at 100% 0, rgba(76, 162, 46, .34), transparent 62%), radial-gradient(420px 260px at 0 100%, rgba(26, 114, 229, .35), transparent 62%), linear-gradient(160deg, #1250a0 0%, #0e3e7c 45%, #0a2c58 100%);
  box-shadow: 0 30px 60px -24px rgba(0, 0, 0, .6), 0 0 0 6px rgba(76, 162, 46, .1); overflow: hidden; }
.qcard::before { content: ''; position: absolute; left: 1.4rem; right: 1.4rem; top: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--green-light), transparent); }
@media (min-width: 600px) { .qcard { padding: 1.7rem 1.8rem 1.8rem; } }
.qcard label, .qcard .qlabel { color: #fff; }
.qcard .help { color: #dce7f9; }
.qcard .fine { color: #d0ddf3; }
.qcard .fine a { color: var(--green-light); }
.qcard .consent label { color: #e9eefa; }
.qcard input:focus-visible { outline-color: var(--green-light); border-color: var(--green); }
.qcard a:not(.btn) { color: var(--green-light); }
.qprogress { margin-bottom: 1.3rem; }
.qprogress-top { display: flex; justify-content: space-between; gap: 1rem; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--green-light); font-weight: 700; }
.qprogress-eta { color: #d0ddf3; letter-spacing: .04em; text-transform: none; font-weight: 600; text-align: right; }
.qbar { height: 8px; border-radius: 99px; background: rgba(255, 255, 255, .14); overflow: hidden; margin-top: .55rem; }
.qbar-fill { height: 100%; width: 0; border-radius: 99px; background: linear-gradient(90deg, #4ca22e, #7fd357); box-shadow: 0 0 14px rgba(110, 210, 70, .75); transition: width .7s cubic-bezier(.3, .8, .3, 1); position: relative; }
.qbar-fill::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, transparent, rgba(255, 255, 255, .55), transparent); transform: translateX(-100%); animation: shimmer 2.6s ease-in-out infinite; }
@keyframes shimmer { to { transform: translateX(100%); } }
.qviewport { position: relative; min-height: 360px; }
.qstep { display: block; }
.qstep[hidden] { display: none !important; }
.qstep:focus { outline: none; }
.qtitle { font-family: var(--font-head); font-size: clamp(1.45rem, 5.2vw, 2rem); line-height: 1.2; color: #fff; margin: 0 0 .45rem; outline: none; }
.qhint { color: #dce7f9; margin: 0 0 1.2rem; font-size: .98rem; }
.qeyebrow { display: flex; align-items: center; gap: .6rem; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--green-light); margin: 0 0 .5rem; }
.dime-letter-sm { display: inline-grid; place-items: center; width: 1.9rem; height: 1.9rem; border-radius: 50%; background: var(--blue-900); color: var(--green-light); font-size: .95rem; box-shadow: 0 0 0 1px var(--green); font-family: var(--font-head); letter-spacing: 0; }
.dime-letter-sm.minus { background: var(--green); color: #fff; box-shadow: none; }

.enter-fwd { animation: slideInFwd .38s cubic-bezier(.2, .8, .2, 1) both; }
.enter-back { animation: slideInBack .38s cubic-bezier(.2, .8, .2, 1) both; }
.leave-fwd { animation: slideOutFwd .2s ease-in both; }
.leave-back { animation: slideOutBack .2s ease-in both; }
@keyframes slideInFwd { from { opacity: 0; transform: translateX(36px); } to { opacity: 1; transform: none; } }
@keyframes slideInBack { from { opacity: 0; transform: translateX(-36px); } to { opacity: 1; transform: none; } }
@keyframes slideOutFwd { to { opacity: 0; transform: translateX(-36px); } }
@keyframes slideOutBack { to { opacity: 0; transform: translateX(36px); } }

.opts { display: grid; gap: .75rem; grid-template-columns: 1fr; }
.opts-2, .opts-grid { grid-template-columns: 1fr 1fr; }
.opts-list { grid-template-columns: 1fr; }
@media (min-width: 600px) { .opts-grid { grid-template-columns: repeat(3, 1fr); } .opts-list { grid-template-columns: 1fr 1fr; } }
.opt { display: flex; align-items: center; gap: .95rem; width: 100%; min-height: 72px; padding: .9rem 1rem; text-align: left; font: 700 1.05rem/1.3 var(--font-body); color: #fff; cursor: pointer;
  background: rgba(255, 255, 255, .06); border: 1.5px solid rgba(190, 214, 255, .35); border-radius: 16px; transition: transform .2s ease, border-color .2s ease, background .2s ease, box-shadow .2s ease; -webkit-tap-highlight-color: transparent; }
.opt:hover { border-color: var(--green); background: rgba(76, 162, 46, .14); transform: translateY(-2px); box-shadow: 0 12px 24px -14px rgba(0, 0, 0, .7); }
.opt:active { transform: scale(.985); }
.opt:focus-visible { outline: 3px solid var(--green-light); outline-offset: 3px; }
.opt[aria-pressed=true] { background: linear-gradient(135deg, #58ae37 0%, #4ca22e 100%); color: var(--blue-950); border-color: var(--green-light); box-shadow: 0 10px 26px -12px rgba(76, 162, 46, .8); }
.opt-icon { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; background: rgba(76, 162, 46, .22); color: var(--green-light); flex: none; box-shadow: 0 0 0 1px rgba(76, 162, 46, .5); transition: background .2s, color .2s; }
.opt-icon .icon { width: 24px; height: 24px; }
.opt[aria-pressed=true] .opt-icon { background: rgba(6, 27, 55, .16); color: var(--blue-950); box-shadow: 0 0 0 1px rgba(6, 27, 55, .4); }
.opt-text { display: flex; flex-direction: column; min-width: 0; }
.opt-sub { font-weight: 400; font-size: .86rem; opacity: .88; margin-top: .1rem; }
.opt-compact { flex-direction: column; justify-content: center; text-align: center; gap: .45rem; min-height: 92px; padding: .8rem .6rem; }
.opt-compact .opt-icon { width: 38px; height: 38px; }
.opt-compact .opt-icon .icon { width: 20px; height: 20px; }
.opts-list .opt-compact { flex-direction: row; justify-content: flex-start; text-align: left; gap: .8rem; min-height: 64px; padding: .7rem .9rem; }
.qactions { display: flex; align-items: center; margin-top: 1.3rem; gap: .8rem; }
.qactions-split { justify-content: space-between; flex-wrap: wrap; }
.qactions-right { display: inline-flex; align-items: center; gap: .4rem; flex-wrap: wrap; justify-content: flex-end; margin-left: auto; }
.btn-back { padding: .6rem 1.1rem; min-height: 44px; font-size: .95rem; }
.qfield { margin-bottom: 1rem; }
.money-lg input { font-size: 1.4rem; min-height: 60px; font-weight: 700; }
.qcard .money input { font-size: 1.3rem; min-height: 58px; font-weight: 700; padding-left: 2rem; }
.qcard .money-prefix { font-size: 1.2rem; left: 1rem; }
.chips { display: flex; flex-wrap: wrap; gap: .5rem; }
.chip { font: 700 .95rem var(--font-body); color: #fff; background: rgba(255, 255, 255, .07); border: 1.5px solid rgba(190, 214, 255, .4); border-radius: 999px; padding: .55rem 1rem; min-height: 44px; cursor: pointer; transition: all .2s; }
.chip:hover { border-color: var(--green); }
.chip[aria-pressed=true] { background: linear-gradient(135deg, #58ae37 0%, #4ca22e 100%); color: var(--blue-950); border-color: var(--green-light); }
.chip:focus-visible { outline: 3px solid var(--green-light); outline-offset: 2px; }
.qstep-done, .qstep-fail { text-align: center; }
.done-badge { margin: .4rem auto 1rem; width: 64px; height: 64px; animation: pop .6s cubic-bezier(.2, 1.4, .4, 1) both; }
.done-badge .icon { width: 32px; height: 32px; }
@keyframes pop { from { transform: scale(.4); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.done-lead { color: #e9eefa; margin: 0 0 1.1rem; }
.done-actions { display: grid; gap: .7rem; margin-bottom: 1.2rem; }
.done-call { padding-top: 1rem; border-top: 1px solid rgba(190, 214, 255, .25); }
.done-call .phone-block { justify-content: center; text-align: center; }
.qstep-fail { text-align: left; }
.qstep-fail .done-call .phone-block { justify-content: flex-start; text-align: left; }

/* Quiz layout on landing pages */
.quiz-wrap { min-width: 0; }
.quiz-fallback { margin-top: 1.2rem; }
html:not(.js) .quiz-fallback[hidden] { display: block !important; }
html:not(.js) #quiz-card { display: none; }
.quiz-wrap .quiz-fallback:first-child { margin-top: 0; }

/* Calculator page */
.container-calc { max-width: 760px; }
.view-toggle { display: flex; width: 100%; background: rgba(255, 255, 255, .08); border-radius: 999px; padding: 4px; margin: .2rem 0 1.2rem; flex-wrap: wrap; border: 1px solid rgba(190, 214, 255, .25); }
.toggle { flex: 1 1 auto; text-align: center; font: 600 .84rem var(--font-body); color: #dfe7f5; background: transparent; border: 0; border-radius: 999px; padding: .55rem .7rem; cursor: pointer; min-height: 40px; }
.toggle.is-active { background: linear-gradient(135deg, #58ae37 0%, #4ca22e 100%); color: var(--blue-950); }
.toggle:focus-visible { outline-color: var(--green-light); }
.result-label { margin: 0; color: #dce7f9; font-size: .95rem; }
.result-amount { font-variant-numeric: lining-nums tabular-nums; font-family: var(--font-body); font-weight: 700; letter-spacing: -.02em; font-size: clamp(2.6rem, 11vw, 4.2rem); line-height: 1.1; margin: .1rem 0 .4rem; color: var(--green-light); }
.result-note { color: #dce7f9; margin: 0 0 1.2rem; font-size: .95rem; }
.breakdown { display: grid; gap: .1rem; border-top: 1px solid rgba(190, 214, 255, .25); padding-top: .8rem; margin-bottom: 1.4rem; font-size: .95rem; }
.breakdown .row { display: flex; justify-content: space-between; gap: 1rem; padding: .3rem 0; border-bottom: 1px dotted rgba(190, 214, 255, .2); font-variant-numeric: tabular-nums; }
.breakdown .row.minus span:last-child { color: #7fd8a4; }
.breakdown .row.total { font-weight: 700; color: var(--green-light); border-bottom: 0; }
.tiers-title { font-family: var(--font-head); color: #fff; font-size: 1.1rem; margin: 0 0 .9rem; }
.tiers { display: grid; gap: .9rem; }
@media (min-width: 640px) { .tiers { grid-template-columns: repeat(3, 1fr); } }
.tier { position: relative; background: rgba(255, 255, 255, .06); border: 1px solid rgba(190, 214, 255, .3); border-radius: 12px; padding: 1rem .9rem; }
.tier-featured { background: rgba(76, 162, 46, .22); border-color: var(--green-light); }
.tier-flag { position: absolute; top: -.7rem; left: .8rem; margin: 0; font-size: .68rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; background: var(--green-light); color: var(--blue-950); padding: .1rem .55rem; border-radius: 999px; }
.tier-name { margin: 0; font-size: .8rem; letter-spacing: .16em; text-transform: uppercase; color: var(--green-light); font-weight: 700; }
.tier-amount { font-variant-numeric: lining-nums tabular-nums; margin: .1rem 0; font-family: var(--font-body); font-weight: 700; font-size: 1.5rem; color: #fff; }
.tier-desc { margin: 0 0 .3rem; font-weight: 700; font-size: .9rem; }
.tier-sub { margin: 0; font-size: .8rem; color: #dce7f9; line-height: 1.45; }
.result-fine { margin: 1.2rem 0 0; font-size: .8rem; color: #d0ddf3; }
.dime-card { padding-top: 2.2rem; }
.dime-letter { position: absolute; right: 1rem; top: .4rem; font-family: var(--font-head); font-size: 3.4rem; font-weight: 700; color: transparent; -webkit-text-stroke: 1px var(--green); opacity: .8; line-height: 1; }
.formula { text-align: center; background: #fff; border: 1px solid var(--line); border-left: 3px solid var(--green); border-radius: 10px; padding: 1rem 1.2rem; margin: 1.6rem auto; max-width: 52rem; }
.calc-disclosure { padding: 2rem 0 3rem; font-size: .9rem; color: var(--ink-soft); text-align: center; }
.calc-disclosure .lic-line { font-weight: 700; color: var(--blue-900); font-size: 1rem; }

/* Embed mode (?embed=1) hides site chrome */
.embed .topbar, .embed .site-header, .embed .site-footer, .embed .sticky-cta, .embed .skip-link, .embed .dime-section { display: none !important; }
.embed body { padding-bottom: 0; background: transparent; }
.embed body.page-quiz, html.embed:not(.embed-transparent) { background: #0a2c58; }
.embed.embed-transparent body.page-quiz { background: transparent; }
.embed .calc-hero .container { padding-top: 1.1rem; padding-bottom: 1.2rem; }
.embed .calc-hero .hero-sub, .embed .calc-hero .eyebrow { display: none; }
.embed .calc-hero h1 { font-size: clamp(1.5rem, 5vw, 2rem); margin: 0; }
.embed .calc-section { padding-top: 1.6rem; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .js .reveal { opacity: 1; transform: none; }
  .hero-in { animation: none; }
}

/* Standalone coverage quiz (/quiz), also used inside the Wix iframe with ?embed=1 */
.quiz-page { padding: 2.6rem 0 3rem; }
.quiz-intro { text-align: center; margin-bottom: 1.6rem; }
.quiz-intro .eyebrow { justify-content: center; }
.quiz-intro h1 { color: #fff; font-size: clamp(1.7rem, 5.6vw, 2.6rem); }
.quiz-intro .lede { max-width: 38rem; margin: 0 auto; }
.quiz-foot { margin-top: 1.4rem; text-align: center; color: #dce7f9; }
.quiz-foot-label { margin: 0 0 .3rem; font-size: .95rem; }
.quiz-foot .phone-block { justify-content: center; text-align: center; }
.quiz-foot .fine { color: #d0ddf3; margin-top: .8rem; }
.quiz-foot .fine a { color: var(--green-light); }
.embed .quiz-page { background: none; padding: .5rem 0 .75rem; }
.embed .quiz-page .container { padding-left: .25rem; padding-right: .25rem; }
.embed .quiz-intro { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; margin: 0; }