:root {
  --bg: #f5f5f7;
  --paper: rgba(255, 255, 255, 0.78);
  --paper-solid: #ffffff;
  --ink: #101214;
  --muted: #6f7682;
  --line: rgba(16, 18, 20, 0.08);
  --brand: #2563eb;
  --brand-deep: #0f172a;
  --brand-soft: #eef4ff;
  --accent: #f4c542;
  --success: #197a56;
  --shadow: 0 24px 80px rgba(15, 23, 42, 0.08);
  --radius: 30px;
  --shell: 1200px;
  --display: "Manrope", "Avenir Next", sans-serif;
  --body: "Manrope", "Avenir Next", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: calc(5.5rem + env(safe-area-inset-top));
}

@keyframes riseIn {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

body {
  margin: 0;
  min-height: 100vh;
  padding:
    0
    env(safe-area-inset-right)
    env(safe-area-inset-bottom)
    env(safe-area-inset-left);
  font-family: var(--body);
  background:
    radial-gradient(circle at top, rgba(37, 99, 235, 0.08), transparent 28%),
    linear-gradient(180deg, #fbfbfd 0%, var(--bg) 100%);
  color: var(--ink);
}

img {
  max-width: 100%;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

.shell {
  width: min(calc(100% - clamp(1rem, 3vw, 2.25rem)), var(--shell));
  margin: 0 auto;
}

.site-header {
  padding: max(0.8rem, env(safe-area-inset-top)) 0 2.4rem;
  background:
    radial-gradient(circle at 72% 18%, rgba(37, 99, 235, 0.14), transparent 20%),
    radial-gradient(circle at 20% 0%, rgba(255, 255, 255, 0.85), transparent 35%),
    linear-gradient(180deg, #fdfdff 0%, #f3f6fb 52%, #eef2f7 100%);
}

.topbar,
.topbar-actions,
.hero-actions,
.hero-steps,
.stepper,
.button-row,
.subsection-head,
.traveller-box-head,
.footer-grid,
.card-header-meta,
.coverage-head,
.coverage-list div,
.sidebar-actions {
  display: flex;
  align-items: center;
}

.topbar {
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0 1.2rem;
  position: sticky;
  top: max(0.5rem, env(safe-area-inset-top));
  z-index: 12;
}

.brand {
  display: inline-grid;
  gap: 0.12rem;
  align-items: center;
  min-height: 48px;
  padding: 0.7rem 1rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.82);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.88);
  box-shadow: 0 18px 42px rgba(15, 23, 42, 0.06);
  font-family: var(--display);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.04em;
  color: var(--ink);
}

.brand span {
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.72rem;
  color: #2f5ff0;
}

.brand small {
  display: block;
  font-size: 0.78rem;
  letter-spacing: 0.01em;
  color: #7b8492;
}

.eyebrow,
.mini-label {
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.75rem;
  font-weight: 700;
  color: #4f7cff;
}

.topbar-actions {
  gap: 0.75rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 999px;
  text-decoration: none;
  cursor: pointer;
  min-height: 48px;
  padding: 0.88rem 1.2rem;
  font-weight: 800;
  line-height: 1.15;
  text-align: center;
  transition: transform 160ms ease, background 160ms ease, color 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
  font-size: 0.95rem;
}

.button:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
}

.button-primary,
.button-teal {
  background: linear-gradient(135deg, #2f6df6 0%, #1f57d6 100%);
  color: white;
}

.button-gold {
  background: rgba(255, 255, 255, 0.88);
  color: var(--ink);
  border: 1px solid rgba(16, 18, 20, 0.08);
  backdrop-filter: blur(20px);
}

.button-secondary {
  background: transparent;
  color: var(--ink);
  border: 1px solid rgba(16, 18, 20, 0.12);
}

.button-secondary-light {
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(18px);
}

.button-large {
  padding: 0.95rem 1.7rem;
  font-size: 1rem;
}

.button-compact {
  padding: 0.7rem 1rem;
  font-size: 0.85rem;
}

/* ── HERO ── */

.hero {
  padding: 2.2rem 0 1.3rem;
}

.hero-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: 1rem;
  align-items: stretch;
}

.hero-copy,
.hero-visual {
  border-radius: 36px;
  background: rgba(255, 255, 255, 0.84);
  backdrop-filter: blur(24px);
  border: 1px solid rgba(255, 255, 255, 0.78);
  box-shadow: 0 28px 90px rgba(15, 23, 42, 0.08);
  animation: riseIn 700ms ease both;
}

.hero-copy {
  display: grid;
  align-content: center;
  justify-items: start;
  padding: 2.5rem;
}

.hero-copy h1,
.section-head h2,
.form-section-head h3,
.success-card h3 {
  margin: 0;
  font-family: var(--display);
  line-height: 0.98;
}

.hero-copy h1 {
  font-size: clamp(3.2rem, 7vw, 5.6rem);
  max-width: 9ch;
  color: var(--ink);
  letter-spacing: -0.06em;
}

.hero-copy h1 span {
  color: var(--brand);
}

.hero-text,
.section-copy,
.payment-detail-box p,
.coverage-selected-card p {
  line-height: 1.6;
}

.hero-text {
  max-width: 32ch;
  margin: 1rem 0 0;
  font-size: clamp(1.02rem, 1.7vw, 1.2rem);
  color: #475569;
  text-align: left;
}

.hero-steps {
  gap: 0.55rem;
  flex-wrap: wrap;
  margin: 1.4rem 0 0;
}

.hero-steps span {
  padding: 0.56rem 0.82rem;
  border-radius: 999px;
  background: rgba(15, 23, 42, 0.04);
  color: #324156;
  font-size: 0.82rem;
  font-weight: 700;
}

.hero-actions {
  gap: 1rem;
  margin-top: 1.5rem;
  justify-content: flex-start;
  align-items: stretch;
}

.hero-visual {
  display: grid;
  gap: 0.9rem;
  padding: 1rem;
  background:
    radial-gradient(circle at top right, rgba(37, 99, 235, 0.14), transparent 28%),
    rgba(255, 255, 255, 0.72);
  animation-delay: 120ms;
}

.hero-image-card {
  position: relative;
  overflow: hidden;
  min-height: 340px;
  border-radius: 32px;
  background: #d8e0eb;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.6);
}

.hero-image {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-image-overlay {
  position: absolute;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 0.8rem;
  padding: 1rem 1.1rem;
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.76);
  backdrop-filter: blur(18px);
  color: var(--ink);
}

.hero-image-copy {
  display: grid;
  gap: 0.18rem;
}

.hero-image-overlay strong {
  font-size: 1.35rem;
  letter-spacing: -0.04em;
  line-height: 1.15;
}

.hero-image-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 999px;
  background: rgba(15, 23, 42, 0.08);
  color: var(--ink);
  font-size: 1.05rem;
  font-weight: 800;
}

.hero-panel {
  display: grid;
  gap: 0.9rem;
}

.hero-panel-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0.8rem;
}

.hero-panel-card {
  display: grid;
  gap: 0.3rem;
  align-content: start;
  padding: 1.1rem;
  min-height: 120px;
  border-radius: 26px;
  background: rgba(255, 255, 255, 0.84);
  border: 1px solid rgba(16, 18, 20, 0.06);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.9);
}

.hero-panel-card strong {
  font-size: 1.02rem;
  letter-spacing: -0.04em;
  line-height: 1.25;
}

.hero-panel-card span {
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.45;
}

.hero-panel-card-primary {
  min-height: 180px;
  align-content: space-between;
  background: linear-gradient(145deg, #0f172a 0%, #1e3a8a 100%);
  color: white;
}

.hero-panel-card-primary .mini-label,
.hero-panel-card-primary span {
  color: rgba(255, 255, 255, 0.75);
}

.hero-panel-card-primary strong {
  font-size: clamp(1.3rem, 2.2vw, 1.7rem);
}

/* ── SECTIONS ── */

.section-copy,
.form-section-head p,
.subsection p,
.traveller-box-head p,
.summary-card p {
  margin: 0;
  color: var(--muted);
}

.section {
  padding: 2.2rem 0;
}

.section-head {
  display: grid;
  gap: 0.65rem;
  margin-bottom: 1.8rem;
}

.section-head.compact {
  margin-bottom: 1.2rem;
}

.section-head h2 {
  font-size: clamp(2.4rem, 4.4vw, 4rem);
  max-width: 14ch;
  letter-spacing: -0.05em;
}

.section-copy {
  max-width: 48ch;
  font-size: 1rem;
}

.section-copy-light {
  color: rgba(255, 255, 255, 0.82);
}

.section-quiet {
  padding-top: 1rem;
}

/* ── COVERAGE / PLAN CARDS ── */

.coverage-showcase {
  display: grid;
  grid-template-columns: minmax(260px, 0.82fr) minmax(0, 2.18fr);
  gap: 1.2rem;
  align-items: start;
}

.coverage-copy-card {
  position: sticky;
  top: 1rem;
  padding: 1.8rem 1.5rem;
  border-radius: 34px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(241, 246, 255, 0.92) 100%);
  border: 1px solid rgba(255, 255, 255, 0.9);
  box-shadow: 0 20px 60px rgba(15, 23, 42, 0.08);
  backdrop-filter: blur(24px);
}

.coverage-copy-card h2 {
  max-width: none;
  font-size: clamp(2rem, 3vw, 2.8rem);
}

.coverage-copy-card .section-copy {
  margin-bottom: 0;
  font-size: 1rem;
  line-height: 1.7;
}

.coverage-selected-card {
  display: grid;
  gap: 0.55rem;
  margin-top: 1.35rem;
  padding: 1rem;
  border-radius: 24px;
  background: linear-gradient(180deg, #f8fbff 0%, #edf4ff 100%);
  border: 1px solid rgba(37, 99, 235, 0.1);
}

.coverage-selected-card strong {
  font-size: 1.2rem;
  letter-spacing: -0.04em;
}

.coverage-selected-card p {
  margin: 0;
  color: #4b5a70;
}

.coverage-selected-card .button {
  justify-self: start;
}

.coverage-rail {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: minmax(300px, 34vw);
  gap: 1rem;
  overflow-x: auto;
  overflow-y: hidden;
  padding: 0 0.35rem 0.6rem 0;
  scroll-snap-type: x proximity;
  -webkit-overflow-scrolling: touch;
}

.coverage-card {
  min-width: 0;
  overflow: hidden;
  position: relative;
  border-radius: 34px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(255, 255, 255, 0.88);
  box-shadow: 0 22px 60px rgba(15, 23, 42, 0.07);
  backdrop-filter: blur(20px);
  scroll-snap-align: start;
  animation: riseIn 700ms ease both;
  cursor: pointer;
  transition: transform 140ms ease, border-color 140ms ease, box-shadow 140ms ease;
}

.coverage-card::before {
  content: "";
  position: absolute;
  inset: -18px;
  border-radius: 42px;
  background: radial-gradient(circle at top center, rgba(59, 130, 246, 0.24) 0%, rgba(59, 130, 246, 0.08) 34%, rgba(59, 130, 246, 0) 70%);
  opacity: 0;
  pointer-events: none;
  transition: opacity 160ms ease, transform 160ms ease;
  transform: scale(0.96);
  z-index: 0;
}

.coverage-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 28px 70px rgba(15, 23, 42, 0.12);
}

.coverage-card:focus-visible {
  outline: 3px solid rgba(37, 99, 235, 0.2);
  outline-offset: 3px;
}

.coverage-card.is-selected {
  border: 2px solid var(--brand);
  box-shadow:
    0 0 0 1px rgba(96, 165, 250, 0.35),
    0 22px 70px rgba(37, 99, 235, 0.18),
    0 36px 110px rgba(37, 99, 235, 0.18);
  transform: translateY(-8px);
}

.coverage-card.is-selected::before {
  opacity: 1;
  transform: scale(1);
}

.coverage-card.is-selected .coverage-head {
  background: linear-gradient(135deg, #2f6df6 0%, #1f57d6 100%);
  color: white;
  border-bottom-color: rgba(255, 255, 255, 0.18);
}

.coverage-card.is-selected .coverage-body {
  background:
    linear-gradient(180deg, rgba(37, 99, 235, 0.05) 0%, rgba(37, 99, 235, 0.01) 100%),
    rgba(255, 255, 255, 0.94);
}

.coverage-card-featured {
  animation-delay: 120ms;
}

.coverage-rail .coverage-card:nth-child(3) {
  animation-delay: 220ms;
}

.coverage-rail .coverage-card:nth-child(4) {
  animation-delay: 320ms;
}

.coverage-head {
  justify-content: space-between;
  padding: 1.4rem 1.5rem;
  background: rgba(255, 255, 255, 0.98);
  border-bottom: 1px solid rgba(226, 230, 238, 0.9);
  position: relative;
  z-index: 1;
}

.coverage-tag {
  padding: 0.35rem 0.58rem;
  border-radius: 12px;
  background: linear-gradient(135deg, #ffd978 0%, #f4b400 100%);
  color: #5b3d00;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.45);
}

.coverage-body {
  padding: 1.5rem;
  position: relative;
  z-index: 1;
}

.coverage-price {
  margin: 0 0 1rem;
  font-family: var(--display);
  font-size: clamp(1.65rem, 2.2vw, 2.7rem);
  line-height: 1;
  letter-spacing: -0.05em;
}

.coverage-price span {
  font-family: var(--body);
  font-size: 0.58em;
  color: var(--muted);
}

.coverage-list {
  margin: 0;
  display: grid;
  gap: 0.6rem;
  font-size: 0.94rem;
}

.coverage-list div {
  justify-content: space-between;
  gap: 1rem;
  padding-bottom: 0.72rem;
  border-bottom: 1px solid #e2e6ee;
}

.coverage-list dt {
  color: var(--muted);
}

.coverage-list dd {
  margin: 0;
  font-weight: 700;
}

/* ── APPLICATION DARK CONTAINER ── */

#application {
  padding: 2rem;
  border-radius: 42px;
  background:
    radial-gradient(circle at top right, rgba(255, 255, 255, 0.12), transparent 24%),
    linear-gradient(180deg, #0f172a 0%, #162033 52%, #1c2940 100%);
  box-shadow: 0 32px 100px rgba(15, 23, 42, 0.18);
}

#application .eyebrow,
#application .section-head h2,
#application .form-section-head h3 {
  color: white;
}

#application .section-head {
  margin-bottom: 1.2rem;
}

#application .section-head h2 {
  max-width: none;
}

.application-shell {
  padding: 1.1rem;
  border-radius: 36px;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(24px);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8);
  animation: riseIn 800ms ease both;
  animation-delay: 180ms;
}

.application-meta-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 0.9rem;
}

.top-back-button {
  border: 1px solid rgba(10, 40, 82, 0.12);
  background: #f4f7fb;
  color: var(--ink);
  border-radius: 999px;
  padding: 0.55rem 0.9rem;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
}

.sticky-quote-bar {
  display: flex;
  flex-wrap: wrap;
  flex: 1;
  min-width: 0;
  margin-bottom: 0;
  padding: 0.95rem 1rem;
  border: 1px solid rgba(16, 18, 20, 0.06);
  border-radius: 20px;
  background: linear-gradient(135deg, #f8fbff 0%, #eef4ff 100%);
  color: var(--ink);
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.sticky-quote-bar > div {
  min-width: 0;
}

.sticky-quote-meta {
  display: grid;
  justify-items: end;
  gap: 0.15rem;
}

.sticky-quote-meta span {
  color: var(--muted);
}

/* ── STEPPER ── */

.stepper {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.55rem;
  margin-bottom: 1rem;
  width: 100%;
}

.step {
  appearance: none;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 0;
  min-height: 56px;
  padding: 0.65rem 0.85rem;
  border-radius: 18px;
  background: rgba(245, 247, 250, 0.9);
  border: 1px solid rgba(16, 18, 20, 0.06);
  color: #61718a;
  font-size: 0.82rem;
  font-weight: 700;
  line-height: 1.25;
  cursor: pointer;
}

.step.is-active {
  background: linear-gradient(135deg, #2f6df6 0%, #1f57d6 100%);
  color: white;
  box-shadow: 0 14px 32px rgba(37, 99, 235, 0.22);
}

.step.is-complete {
  background: #dff3f1;
  color: var(--brand-deep);
  border-color: rgba(11, 143, 152, 0.22);
}

/* ── APPLICATION CARD & FORM ── */

.application-card {
  padding: 1.25rem;
  border-radius: 24px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(255, 255, 255, 0.92);
  box-shadow: 0 20px 56px rgba(15, 23, 42, 0.06);
  backdrop-filter: blur(18px);
}

.form-step {
  display: none;
}

.form-step.is-active {
  display: block;
}

.form-section-head {
  display: grid;
  gap: 0.45rem;
  margin-bottom: 1rem;
}

.form-section-head h3 {
  font-size: 1.45rem;
}

.field-grid {
  display: grid;
  gap: 0.85rem;
}

.field-grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field-grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.field,
.checkbox-field {
  display: grid;
  gap: 0.45rem;
  margin-bottom: 0.85rem;
}

.field > span,
.field-label {
  font-weight: 700;
  font-size: 0.88rem;
}

.field input,
.field select,
.field textarea {
  border-radius: 16px;
  border: 1px solid rgba(16, 18, 20, 0.08);
  background: rgba(255, 255, 255, 0.88);
  padding: 0.82rem 0.9rem;
  color: var(--ink);
  font-size: 0.95rem;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.88);
}

.field input[type="file"] {
  width: 100%;
  max-width: 100%;
  min-width: 0;
  padding: 0.55rem 0.65rem;
  overflow: hidden;
  font-size: 0.9rem;
}

.field input[type="file"]::file-selector-button {
  margin-right: 0.75rem;
  border: 0;
  border-radius: 999px;
  padding: 0.55rem 0.85rem;
  background: rgba(16, 18, 20, 0.08);
  color: var(--ink);
  font-weight: 700;
  cursor: pointer;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: 3px solid rgba(11, 143, 152, 0.16);
  border-color: var(--brand);
}

.hint,
.error-text {
  font-size: 0.82rem;
}

.hint {
  color: var(--muted);
}

.error-text {
  color: #a33a2b;
  min-height: 1em;
}

.logic-alert {
  margin-bottom: 1rem;
  padding: 0.95rem 1rem;
  border-radius: 18px;
  border: 1px solid rgba(163, 58, 43, 0.22);
  background: linear-gradient(180deg, rgba(255, 245, 241, 0.98) 0%, rgba(255, 239, 233, 0.98) 100%);
  color: #8f2f24;
  font-size: 0.9rem;
  font-weight: 700;
  box-shadow: 0 14px 30px rgba(143, 47, 36, 0.08);
}

/* ── CHOICE GRID ── */

.choice-grid {
  display: grid;
  gap: 0.65rem;
}

.choice-grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.choice-grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.choice {
  position: relative;
}

.choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.choice span {
  display: grid;
  gap: 0.25rem;
  min-height: 100%;
  padding: 0.85rem;
  border-radius: 22px;
  border: 1px solid rgba(16, 18, 20, 0.08);
  background: rgba(255, 255, 255, 0.92);
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease, background 160ms ease;
}

.choice strong {
  font-size: 0.9rem;
}

.choice small {
  color: var(--muted);
  font-size: 0.82rem;
}

.choice input:checked + span {
  border-color: var(--brand);
  background: var(--brand-soft);
  box-shadow: 0 12px 28px rgba(37, 99, 235, 0.08), inset 0 0 0 1px rgba(37, 99, 235, 0.14);
}

/* ── PLAN GUIDANCE ── */

.plan-guidance,
.review-assurance {
  margin-top: 0.75rem;
  padding: 1rem;
  border-radius: 22px;
  border: 1px solid rgba(255, 255, 255, 0.92);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(242, 246, 251, 0.94) 100%);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.04);
}

.plan-guidance strong {
  display: block;
  margin-bottom: 0.2rem;
  font-size: 0.92rem;
}

.plan-guidance p,
.review-assurance p {
  margin: 0;
  color: var(--ink);
}

.plan-guidance ul,
.feature-list {
  margin: 0.55rem 0 0;
  padding-left: 1rem;
  display: grid;
  gap: 0.38rem;
  color: var(--muted);
}

.feature-list.compact {
  gap: 0.28rem;
}

/* ── QUOTE PANEL ── */

.quote-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.7fr) minmax(0, 1.3fr);
  gap: 1rem;
  margin-top: 1.1rem;
  padding: 1rem;
  border-radius: 24px;
  border: 1px solid rgba(255, 255, 255, 0.92);
  background: linear-gradient(145deg, #101828 0%, #1f57d6 100%);
  color: white;
  box-shadow: 0 18px 44px rgba(15, 23, 42, 0.05);
}

.quote-label,
.quote-note {
  margin: 0;
}

.quote-panel h3 {
  margin: 0.35rem 0;
  font-size: 1.8rem;
  font-family: var(--display);
}

.quote-note,
.quote-breakdown dt {
  color: rgba(255, 255, 255, 0.72);
}

.quote-breakdown,
.summary-list {
  margin: 1rem 0 0;
  display: grid;
  gap: 0.7rem;
}

.summary-list.compact {
  margin-top: 0.7rem;
  gap: 0.5rem;
}

.quote-breakdown dd,
.summary-list dd {
  margin: 0;
  font-weight: 700;
}

.summary-list div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  min-width: 0;
  align-items: start;
}

.summary-list dt,
.summary-list dd {
  min-width: 0;
  overflow-wrap: anywhere;
}

.summary-total {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.summary-total strong {
  font-family: var(--display);
  font-size: 1.55rem;
}

/* ── REVIEW LAYOUT ── */

.review-card-head,
.review-section-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}

.review-card-head {
  margin-bottom: 1rem;
}

.review-summary {
  display: grid;
  gap: 0.9rem;
}

.review-section {
  padding: 0.95rem 1rem;
  border-radius: 20px;
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.92) 0%, rgba(241, 245, 251, 0.92) 100%);
  border: 1px solid rgba(16, 18, 20, 0.05);
}

.review-section h5 {
  margin: 0;
  font-size: 0.95rem;
}

.summary-card,
.payment-card {
  padding: 1rem;
  border-radius: 24px;
  border: 1px solid rgba(255, 255, 255, 0.92);
  background: rgba(255, 255, 255, 0.8);
  box-shadow: 0 18px 44px rgba(15, 23, 42, 0.05);
  backdrop-filter: blur(16px);
  min-width: 0;
}

.review-layout {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

/* ── SUBSECTIONS ── */

.subsection {
  margin-bottom: 1.4rem;
}

.subsection-head {
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.8rem;
}

.subsection-hint {
  margin-bottom: 0.85rem;
}

.subsection-toggle {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 0;
  background: transparent;
  border: 0;
  text-align: left;
}

.subsection-toggle span {
  display: grid;
  gap: 0.2rem;
}

.subsection-toggle small,
.subsection-toggle em {
  color: var(--muted);
  font-style: normal;
}

.optional-body {
  margin-top: 1rem;
}

.optional-subsection {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.82) 0%, rgba(247, 249, 252, 0.96) 100%);
  padding: 0.85rem;
  border: 1px dashed rgba(16, 18, 20, 0.12);
  border-radius: 24px;
}

/* ── PAYMENT ── */

.payment-detail-box {
  margin: 1rem 0;
  padding: 1rem;
  border-radius: 18px;
  background: #f4efe6;
}

.payment-detail-box img {
  display: block;
  width: min(220px, 100%);
  margin: 0.9rem auto 0;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: white;
}

.payment-detail-box strong {
  display: block;
  margin-bottom: 0.35rem;
}

.payment-total {
  display: inline-block;
  margin-top: 0.35rem;
  font-style: normal;
  color: var(--brand-deep);
  font-weight: 700;
}

.payment-instructions-card {
  margin: 1rem 0;
  padding: 1rem;
  border-radius: 18px;
  border: 1px solid rgba(10, 40, 82, 0.08);
  background: linear-gradient(180deg, #fffdf8 0%, #f3eee2 100%);
  min-width: 0;
}

.payment-summary-block {
  display: grid;
  gap: 0.35rem;
}

.payment-summary-block strong,
.payment-summary-block span {
  min-width: 0;
  overflow-wrap: anywhere;
}

/* ── ELIGIBILITY DISCLOSURE ── */

.info-disclosure {
  margin-top: 0.9rem;
  border-radius: 22px;
  border: 1px solid rgba(16, 18, 20, 0.08);
  background: rgba(250, 251, 254, 0.92);
  overflow: hidden;
}

.info-disclosure summary {
  cursor: pointer;
  list-style: none;
  padding: 0.95rem 1rem;
  font-size: 0.9rem;
  font-weight: 800;
}

.info-disclosure summary::-webkit-details-marker {
  display: none;
}

.info-disclosure-body {
  display: grid;
  gap: 0.55rem;
  padding: 0 1rem 1rem;
  color: var(--muted);
}

.info-disclosure-body p,
.info-disclosure-body ul {
  margin: 0;
}

.info-disclosure-body ul {
  padding-left: 1rem;
}

/* ── MISC FORM ── */

.checkbox-field {
  grid-template-columns: auto 1fr;
  align-items: start;
}

.checkbox-field input {
  margin-top: 0.25rem;
}

.has-error {
  border-color: rgba(163, 58, 43, 0.3) !important;
  box-shadow: 0 0 0 3px rgba(163, 58, 43, 0.09), 0 18px 44px rgba(15, 23, 42, 0.05);
}

.button-row {
  justify-content: flex-end;
  gap: 0.75rem;
  margin-top: 1.2rem;
  flex-wrap: wrap;
}

.button-row.left {
  justify-content: flex-start;
}

.policy-pill {
  padding: 0.7rem 0.95rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.74);
  border: 1px solid rgba(16, 18, 20, 0.08);
  color: var(--ink);
  font-size: 0.82rem;
  font-weight: 700;
}

/* ── SUCCESS CARD ── */

.success-card {
  background: linear-gradient(150deg, #f7fff9 0%, #eefaf4 100%);
}

.next-steps-card {
  margin-top: 1rem;
  padding: 1rem;
  border: 1px solid rgba(25, 122, 86, 0.15);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.75);
}

.next-steps-card h4 {
  margin: 0;
}

/* ── FOOTER ── */

.site-footer {
  padding: 2rem 0 2.8rem;
  border-top: 1px solid rgba(10, 40, 82, 0.08);
}

.footer-grid {
  justify-content: space-between;
  align-items: start;
  gap: 1rem;
  flex-wrap: wrap;
}

.footer-title {
  margin: 0 0 0.35rem;
  font-weight: 700;
}

.site-footer p {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

/* ── VIDEO SECTION ── */

.section-video {
  padding-top: 0;
}

.video-facade {
  position: relative;
  aspect-ratio: 16 / 9;
  border-radius: 30px;
  overflow: hidden;
  cursor: pointer;
  background: #08254d;
  box-shadow: 0 22px 60px rgba(15, 23, 42, 0.09);
}

.video-thumb {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 500ms ease, filter 500ms ease;
}

.video-facade::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(8, 37, 77, 0.55) 0%, rgba(8, 37, 77, 0.1) 40%, transparent 70%);
  pointer-events: none;
}

.video-facade:hover .video-thumb {
  transform: scale(1.02);
  filter: brightness(0.88);
}

.video-play {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1;
}

.video-play-btn {
  width: 64px;
  height: 64px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #08254d;
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.22);
  transition: transform 160ms ease, box-shadow 160ms ease;
}

.video-facade:hover .video-play-btn {
  transform: scale(1.1);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.3);
}

.video-meta {
  position: absolute;
  bottom: 1.4rem;
  left: 1.6rem;
  z-index: 1;
  color: white;
  display: grid;
  gap: 0.2rem;
}

.video-meta .mini-label {
  color: rgba(255, 255, 255, 0.65);
}

.video-meta strong {
  font-size: 1.15rem;
  letter-spacing: -0.03em;
  line-height: 1.2;
  text-shadow: 0 1px 6px rgba(0, 0, 0, 0.3);
}

.video-facade iframe {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: 0;
}

/* ── RESPONSIVE ── */

@media (min-width: 1200px) {
  .hero-layout {
    gap: 1.25rem;
  }

  .coverage-rail {
    grid-auto-flow: row;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    grid-auto-columns: auto;
    overflow: visible;
    padding: 0;
    scroll-snap-type: none;
  }

  .coverage-card {
    min-height: 100%;
  }
}

@media (max-width: 1100px) {
  .coverage-showcase {
    grid-template-columns: 1fr;
  }

  .coverage-copy-card {
    position: static;
  }

  .coverage-rail {
    grid-auto-columns: minmax(280px, 46vw);
  }
}

@media (max-width: 960px) {
  .hero-layout {
    grid-template-columns: 1fr;
  }

  .hero-copy,
  .hero-visual {
    padding: 1.5rem;
  }

  .hero-copy {
    justify-items: stretch;
    align-content: start;
  }

  .hero-copy h1,
  .hero-text {
    max-width: none;
  }

  .review-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .field-grid.two,
  .field-grid.three,
  .choice-grid.two,
  .choice-grid.three,
  .quote-panel {
    grid-template-columns: 1fr;
  }

  .topbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
    padding-bottom: 0.8rem;
  }

  .brand {
    width: auto;
    font-size: 0.98rem;
    min-height: 44px;
    padding: 0.62rem 0.88rem;
  }

  .button-row {
    justify-content: stretch;
  }

  .button-row .button {
    width: 100%;
    text-align: center;
  }

  .stepper {
    display: grid;
    align-items: flex-start;
  }

  .hero-copy,
  .hero-visual {
    padding: 1.15rem;
    border-radius: 28px;
  }

  .hero {
    padding-top: 1rem;
  }

  #application {
    padding: 1rem;
    border-radius: 22px;
  }

  .application-shell {
    padding: 0.8rem;
  }

  .hero-copy h1 {
    font-size: clamp(2.25rem, 12vw, 3.2rem);
    max-width: none;
  }

  .hero-steps {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-image-card {
    min-height: 240px;
    border-radius: 24px;
  }

  .hero-panel-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-panel-card {
    min-height: 104px;
    padding: 0.9rem;
    border-radius: 22px;
  }

  .hero-panel-card strong {
    font-size: 1.05rem;
  }

  .hero-text {
    max-width: none;
    font-size: 1.05rem;
    line-height: 1.65;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.75rem;
    width: 100%;
    margin-top: 1.25rem;
  }

  .hero-actions .button {
    width: auto;
    text-align: center;
    padding: 0.88rem 0.9rem;
    font-size: 0.95rem;
  }

  .coverage-copy-card {
    padding: 1rem 0.95rem;
    border-radius: 22px;
  }

  .coverage-rail {
    grid-auto-columns: minmax(260px, 88vw);
    gap: 0.8rem;
    padding-bottom: 0.45rem;
  }

  .coverage-head {
    padding: 0.9rem 1rem;
  }

  .coverage-head h3 {
    font-size: 1rem;
  }

  .coverage-tag {
    padding: 0.24rem 0.44rem;
    font-size: 0.56rem;
  }

  .section-head h2 {
    font-size: clamp(1.9rem, 10vw, 2.5rem);
    max-width: 10ch;
  }

  .section-copy {
    font-size: 1rem;
    line-height: 1.68;
  }

  .coverage-body,
  .summary-card,
  .payment-card {
    padding: 0.8rem;
  }

  .review-card-head,
  .review-section-head {
    display: grid;
    grid-template-columns: 1fr;
  }

  .summary-list div {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 0.7rem;
  }

  .summary-list dd {
    text-align: right;
    font-size: 0.92rem;
  }

  .summary-total {
    align-items: flex-start;
  }

  .summary-total strong {
    text-align: right;
    overflow-wrap: anywhere;
  }

  .application-meta-row {
    display: grid;
    grid-template-columns: 1fr;
  }

  .sticky-quote-bar {
    padding: 0.8rem 0.85rem;
  }

  .sticky-quote-meta {
    justify-items: start;
  }

  .payment-detail-box,
  .payment-instructions-card,
  .review-assurance {
    overflow: hidden;
  }

  .field input[type="file"] {
    font-size: 0.82rem;
  }

  .field input[type="file"]::file-selector-button {
    margin-right: 0.55rem;
    padding: 0.48rem 0.72rem;
  }

  .coverage-body {
    padding: 0.9rem 1rem;
  }

  .coverage-price {
    margin-bottom: 0.55rem;
    font-size: 1.2rem;
  }

  .coverage-list {
    gap: 0.38rem;
    font-size: 0.75rem;
  }

  .coverage-list div {
    gap: 0.4rem;
    padding-bottom: 0.32rem;
  }

  .quote-panel h3 {
    font-size: 1.55rem;
  }

  .step {
    font-size: 0.82rem;
    padding: 0.58rem 0.7rem;
  }

  .stepper {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.45rem;
  }

  .application-card {
    padding: 1rem;
  }

  .form-section-head h3 {
    font-size: 1.45rem;
  }

  .field input,
  .field select,
  .field textarea,
  .choice span {
    font-size: 1rem;
  }

  .plan-guidance,
  .review-assurance {
    padding: 0.72rem;
  }

  .video-facade {
    border-radius: 22px;
  }

  .video-play-btn {
    width: 52px;
    height: 52px;
  }

  .video-meta {
    bottom: 1rem;
    left: 1rem;
  }

  .video-meta strong {
    font-size: 1rem;
  }
}

@media (max-width: 540px) {
  .topbar {
    display: grid;
    grid-template-columns: 1fr;
    align-items: stretch;
  }

  .topbar-actions,
  .topbar-actions .button {
    width: 100%;
  }

  .brand {
    width: 100%;
  }

  .hero-actions,
  .hero-panel-grid,
  .stepper {
    grid-template-columns: 1fr;
  }

  .hero-image-overlay {
    left: 0.75rem;
    right: 0.75rem;
    bottom: 0.75rem;
    padding: 0.85rem 0.95rem;
  }

  .hero-image-overlay strong {
    font-size: 1.05rem;
  }

  .coverage-rail {
    grid-auto-columns: minmax(240px, 86vw);
  }

  .sticky-quote-bar {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.35rem;
  }

  .step {
    justify-content: flex-start;
    padding-inline: 0.9rem;
  }
}