/* ============================================
   South Jordan Auto Insurance - Complete Stylesheet
   Palette: Charcoal #2D3436 + Electric Blue #0984E3
   Fonts: Barlow (headings) + Roboto (body)
   ============================================ */

/* ---------- CSS Variables ---------- */
:root {
  --primary: #0984E3;
  --primary-dark: #0767b3;
  --primary-light: #74b9ff;
  --secondary: #2D3436;
  --secondary-light: #3d4446;
  --secondary-lighter: #636e72;
  --accent: #0984E3;
  --white: #ffffff;
  --off-white: #f5f7fa;
  --light-gray: #e9ecef;
  --medium-gray: #ced4da;
  --dark-gray: #495057;
  --text-primary: #2D3436;
  --text-secondary: #636e72;
  --text-light: #ffffff;
  --success: #00b894;
  --warning: #fdcb6e;
  --danger: #d63031;
  --shadow-sm: 0 2px 4px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.16);
  --shadow-xl: 0 12px 48px rgba(0,0,0,0.2);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: all 0.3s ease;
  --font-heading: 'Barlow', sans-serif;
  --font-body: 'Roboto', sans-serif;
  --max-width: 1200px;
  --header-height: 72px;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-height);
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-primary);
  line-height: 1.7;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--primary-dark);
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--secondary);
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: 2.75rem; font-weight: 800; }
h2 { font-size: 2.15rem; font-weight: 700; }
h3 { font-size: 1.5rem; font-weight: 600; }
h4 { font-size: 1.2rem; font-weight: 600; }

p {
  margin-bottom: 1rem;
  color: var(--text-secondary);
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 50px;
}

.section-header h2 {
  margin-bottom: 12px;
  position: relative;
}

.section-header p {
  font-size: 1.1rem;
  color: var(--text-secondary);
}

.section-label {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--primary);
  margin-bottom: 10px;
}

.bg-light {
  background: var(--off-white);
}

.bg-dark {
  background: var(--secondary);
}

.text-center {
  text-align: center;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  border: none;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  line-height: 1.2;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(9, 132, 227, 0.35);
}

.btn-primary:hover {
  background: var(--primary-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(9, 132, 227, 0.45);
}

.btn-secondary {
  background: var(--white);
  color: var(--primary);
  border: 2px solid var(--primary);
}

.btn-secondary:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}

.btn-outline:hover {
  background: var(--white);
  color: var(--primary);
  transform: translateY(-2px);
}

.btn-dark {
  background: var(--secondary);
  color: var(--white);
}

.btn-dark:hover {
  background: var(--secondary-light);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-lg {
  padding: 16px 40px;
  font-size: 1.1rem;
}

.btn-sm {
  padding: 10px 20px;
  font-size: 0.9rem;
}

.btn-block {
  width: 100%;
}

/* ---------- Header / Navigation ---------- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  height: var(--header-height);
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: var(--shadow-md);
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
}

.logo-text {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--secondary);
  line-height: 1.2;
}

.logo-text span {
  color: var(--primary);
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav a {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-primary);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav a:hover,
.nav a.active {
  color: var(--primary);
  background: rgba(9, 132, 227, 0.06);
}

.nav a.active::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 14px;
  right: 14px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
}

.nav-phone {
  font-weight: 600 !important;
  color: var(--primary) !important;
}

.nav-phone i {
  margin-right: 4px;
}

.nav-cta {
  background: var(--primary) !important;
  color: var(--white) !important;
  padding: 10px 22px !important;
  border-radius: var(--radius-sm) !important;
  margin-left: 6px;
}

.nav-cta:hover {
  background: var(--primary-dark) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
}

/* Mobile Menu Toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  z-index: 1001;
}

.menu-toggle span {
  width: 26px;
  height: 2.5px;
  background: var(--secondary);
  border-radius: 2px;
  transition: var(--transition);
}

.menu-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.menu-toggle.active span:nth-child(2) {
  opacity: 0;
}

.menu-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ---------- Hero Section ---------- */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  background: linear-gradient(135deg, var(--secondary) 0%, #1a1e1f 60%, var(--secondary-light) 100%);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(ellipse at 70% 30%, rgba(9, 132, 227, 0.15) 0%, transparent 60%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to top, rgba(45, 52, 54, 0.8), transparent);
  pointer-events: none;
}

.hero .container {
  position: relative;
  z-index: 2;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-content {
  color: var(--white);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(9, 132, 227, 0.15);
  border: 1px solid rgba(9, 132, 227, 0.3);
  border-radius: 50px;
  padding: 8px 18px;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary-light);
  margin-bottom: 20px;
}

.hero-badge i {
  font-size: 0.8rem;
}

.hero h1 {
  font-size: 3rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.15;
}

.hero h1 .highlight {
  color: var(--primary-light);
}

.hero-sub {
  font-size: 1.2rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 30px;
  line-height: 1.7;
}

.hero-form {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  padding: 30px;
}

.hero-form h3 {
  color: var(--white);
  margin-bottom: 6px;
  font-size: 1.3rem;
}

.hero-form p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  margin-bottom: 20px;
}

.hero-form .form-row {
  display: flex;
  gap: 12px;
}

.hero-form input[type="text"] {
  flex: 1;
  padding: 14px 18px;
  border: 2px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  transition: var(--transition);
}

.hero-form input[type="text"]::placeholder {
  color: rgba(255, 255, 255, 0.5);
}

.hero-form input[type="text"]:focus {
  outline: none;
  border-color: var(--primary);
  background: rgba(255, 255, 255, 0.15);
}

.hero-form .btn {
  flex-shrink: 0;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 25px;
  flex-wrap: wrap;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
}

.hero-trust-item i {
  color: var(--primary-light);
}

/* Floating shapes */
.hero-shapes {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  overflow: hidden;
}

.hero-shapes .shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.05;
  background: var(--primary);
}

.hero-shapes .shape-1 {
  width: 400px;
  height: 400px;
  top: -100px;
  right: -100px;
}

.hero-shapes .shape-2 {
  width: 250px;
  height: 250px;
  bottom: -50px;
  left: 10%;
}

.hero-shapes .shape-3 {
  width: 150px;
  height: 150px;
  top: 40%;
  left: 5%;
}

/* ---------- Stats Bar ---------- */
.stats-bar {
  background: var(--white);
  padding: 0;
  margin-top: -40px;
  position: relative;
  z-index: 10;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.stat-item {
  padding: 30px 20px;
  text-align: center;
  border-right: 1px solid var(--light-gray);
  transition: var(--transition);
}

.stat-item:last-child {
  border-right: none;
}

.stat-item:hover {
  background: var(--off-white);
}

.stat-icon {
  width: 48px;
  height: 48px;
  background: rgba(9, 132, 227, 0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
  color: var(--primary);
  font-size: 1.2rem;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--secondary);
  margin-bottom: 4px;
}

.stat-label {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

/* ---------- How It Works ---------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 50px;
  left: 20%;
  right: 20%;
  height: 2px;
  background: linear-gradient(to right, var(--primary), var(--primary-light));
  opacity: 0.2;
}

.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  box-shadow: 0 4px 14px rgba(9, 132, 227, 0.3);
}

.step-card h3 {
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.95rem;
}

/* ---------- Coverage Cards ---------- */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.coverage-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.coverage-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--primary);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.coverage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}

.coverage-card:hover::before {
  transform: scaleX(1);
}

.coverage-icon {
  width: 52px;
  height: 52px;
  background: rgba(9, 132, 227, 0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--primary);
  font-size: 1.3rem;
  transition: var(--transition);
}

.coverage-card:hover .coverage-icon {
  background: var(--primary);
  color: var(--white);
}

.coverage-card h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.coverage-card p {
  font-size: 0.93rem;
  margin-bottom: 0;
}

/* ---------- Why Choose Us ---------- */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.why-content {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.why-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: rgba(9, 132, 227, 0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 1.1rem;
}

.why-item h4 {
  margin-bottom: 4px;
}

.why-item p {
  font-size: 0.93rem;
  margin-bottom: 0;
}

.why-image {
  background: linear-gradient(135deg, var(--secondary), var(--secondary-light));
  border-radius: var(--radius-lg);
  padding: 50px 40px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.why-image::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(9, 132, 227, 0.2), transparent);
  border-radius: 50%;
}

.why-image h3 {
  color: var(--white);
  font-size: 1.6rem;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}

.why-image p {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}

.why-image .btn {
  position: relative;
  z-index: 1;
}

/* ---------- Local Section ---------- */
.local-section {
  padding: 80px 0;
}

.local-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}

.local-content h2 {
  margin-bottom: 16px;
}

.local-content p {
  margin-bottom: 14px;
  font-size: 1rem;
  line-height: 1.8;
}

.local-highlights {
  display: grid;
  gap: 16px;
  margin-top: 24px;
}

.local-highlight-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 18px;
  background: var(--off-white);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--primary);
}

.local-highlight-item i {
  color: var(--primary);
  font-size: 1.2rem;
  margin-top: 2px;
}

.local-highlight-item h4 {
  margin-bottom: 4px;
  font-size: 1rem;
}

.local-highlight-item p {
  font-size: 0.9rem;
  margin-bottom: 0;
}

/* ---------- Carriers ---------- */
.carriers {
  padding: 60px 0;
  background: var(--off-white);
}

.carrier-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 50px;
  flex-wrap: wrap;
}

.carrier-logo {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--secondary-lighter);
  opacity: 0.5;
  transition: var(--transition);
  white-space: nowrap;
}

.carrier-logo:hover {
  opacity: 1;
  color: var(--primary);
}

/* ---------- FAQ Section ---------- */
.faq-grid {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  gap: 16px;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--secondary);
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--primary);
}

.faq-question i {
  font-size: 0.85rem;
  color: var(--primary);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-question i {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-answer-inner {
  padding: 0 24px 20px;
  color: var(--text-secondary);
  line-height: 1.7;
  font-size: 0.95rem;
}

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 60px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 50%;
}

.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -40%;
  left: -5%;
  width: 300px;
  height: 300px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 50%;
}

.cta-banner .container {
  position: relative;
  z-index: 1;
}

.cta-banner h2 {
  color: var(--white);
  margin-bottom: 12px;
  font-size: 2rem;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.1rem;
  margin-bottom: 30px;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---------- Contact Section ---------- */
.contact-section {
  padding: 80px 0;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: rgba(9, 132, 227, 0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 1.1rem;
}

.contact-item h4 {
  margin-bottom: 4px;
}

.contact-item p {
  font-size: 0.93rem;
  margin-bottom: 0;
}

.contact-item a {
  color: var(--primary);
  font-weight: 500;
}

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 35px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--light-gray);
}

.form-card h3 {
  margin-bottom: 6px;
}

.form-card > p {
  margin-bottom: 24px;
  font-size: 0.95rem;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--secondary);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-primary);
  background: var(--white);
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(9, 132, 227, 0.1);
}

.form-group textarea {
  height: 120px;
  resize: vertical;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--medium-gray);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}

.form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 3px;
  accent-color: var(--primary);
  flex-shrink: 0;
}

.form-consent label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.form-status {
  margin-top: 16px;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  display: none;
}

.form-status.success {
  display: block;
  background: rgba(0, 184, 148, 0.1);
  color: var(--success);
  border: 1px solid rgba(0, 184, 148, 0.2);
}

.form-status.error {
  display: block;
  background: rgba(214, 48, 49, 0.1);
  color: var(--danger);
  border: 1px solid rgba(214, 48, 49, 0.2);
}

/* ---------- Multi-Step Form ---------- */
.quote-form-container {
  max-width: 700px;
  margin: 0 auto;
}

.form-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-bottom: 35px;
}

.progress-step {
  display: flex;
  align-items: center;
  gap: 8px;
}

.progress-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--light-gray);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-secondary);
  transition: var(--transition);
}

.progress-step.active .progress-dot,
.progress-step.completed .progress-dot {
  background: var(--primary);
  color: var(--white);
}

.progress-label {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.progress-step.active .progress-label {
  color: var(--primary);
}

.progress-line {
  width: 60px;
  height: 2px;
  background: var(--light-gray);
  transition: var(--transition);
}

.progress-line.active {
  background: var(--primary);
}

.form-step {
  display: none;
}

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

.step-header {
  text-align: center;
  margin-bottom: 24px;
}

.step-header h3 {
  margin-bottom: 6px;
}

.step-header p {
  font-size: 0.95rem;
}

.form-buttons {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}

.form-buttons .btn {
  flex: 1;
}

.optional-badge {
  display: inline-block;
  background: rgba(9, 132, 227, 0.1);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 20px;
  margin-left: 8px;
}

/* ---------- Trust Signals ---------- */
.trust-signals {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px;
  flex-wrap: wrap;
  margin-top: 30px;
  padding-top: 30px;
  border-top: 1px solid var(--light-gray);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.trust-item i {
  color: var(--primary);
}

/* ---------- What Happens Next ---------- */
.next-steps {
  padding: 60px 0;
}

.next-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 40px;
}

.next-step-card {
  text-align: center;
  padding: 30px;
  background: var(--off-white);
  border-radius: var(--radius-md);
}

.next-step-card i {
  font-size: 2rem;
  color: var(--primary);
  margin-bottom: 16px;
}

.next-step-card h4 {
  margin-bottom: 8px;
}

.next-step-card p {
  font-size: 0.93rem;
  margin-bottom: 0;
}

/* ---------- Thank You ---------- */
.thankyou-section {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 120px 0 80px;
  text-align: center;
}

.thankyou-icon {
  width: 80px;
  height: 80px;
  background: rgba(0, 184, 148, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  color: var(--success);
  font-size: 2.5rem;
}

.thankyou-section h1 {
  margin-bottom: 12px;
}

.thankyou-section p {
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto 12px;
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
  padding: 100px 0 20px;
  background: var(--off-white);
}

.breadcrumb-list {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
}

.breadcrumb-list a {
  color: var(--text-secondary);
}

.breadcrumb-list a:hover {
  color: var(--primary);
}

.breadcrumb-list span {
  color: var(--text-secondary);
}

.breadcrumb-list .current {
  color: var(--primary);
  font-weight: 600;
}

/* ---------- Page Hero ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--secondary) 0%, var(--secondary-light) 100%);
  padding: 130px 0 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(ellipse at 50% 0%, rgba(9, 132, 227, 0.12) 0%, transparent 60%);
}

.page-hero .container {
  position: relative;
  z-index: 1;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: 12px;
}

.page-hero p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto;
}

/* ---------- Content Page ---------- */
.content-page {
  padding: 60px 0 80px;
}

.content-page .container {
  max-width: 850px;
}

.content-page h2 {
  margin-top: 40px;
  margin-bottom: 16px;
  font-size: 1.6rem;
}

.content-page h3 {
  margin-top: 30px;
  margin-bottom: 12px;
  font-size: 1.25rem;
}

.content-page p {
  margin-bottom: 16px;
  line-height: 1.8;
}

.content-page ul,
.content-page ol {
  margin-bottom: 16px;
  padding-left: 24px;
}

.content-page ul {
  list-style: disc;
}

.content-page ol {
  list-style: decimal;
}

.content-page li {
  margin-bottom: 8px;
  color: var(--text-secondary);
  line-height: 1.7;
}

.content-page a {
  color: var(--primary);
  text-decoration: underline;
}

.content-page strong {
  color: var(--text-primary);
}

.requirements-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0 30px;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.requirements-table th,
.requirements-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--light-gray);
}

.requirements-table th {
  background: var(--secondary);
  color: var(--white);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
}

.requirements-table td {
  color: var(--text-secondary);
  font-size: 0.95rem;
}

.requirements-table tr:nth-child(even) {
  background: var(--off-white);
}

.requirements-table tr:last-child td {
  border-bottom: none;
}

/* ---------- Coverage Detail ---------- */
.coverage-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  margin: 30px 0;
}

.coverage-detail-card {
  padding: 28px;
  background: var(--off-white);
  border-radius: var(--radius-md);
  border-left: 4px solid var(--primary);
}

.coverage-detail-card h3 {
  margin-top: 0;
  margin-bottom: 10px;
  color: var(--secondary);
}

.coverage-detail-card p {
  font-size: 0.93rem;
  margin-bottom: 0;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--secondary);
  color: rgba(255, 255, 255, 0.7);
  padding: 60px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand .logo {
  margin-bottom: 16px;
}

.footer-brand .logo-text {
  color: var(--white);
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.93rem;
  line-height: 1.7;
}

.footer h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 16px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.93rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--primary-light);
  padding-left: 4px;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.93rem;
}

.footer-contact-item i {
  color: var(--primary-light);
  width: 18px;
  text-align: center;
}

.footer-contact-item a {
  color: rgba(255, 255, 255, 0.6);
}

.footer-contact-item a:hover {
  color: var(--primary-light);
}

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.85rem;
  margin-bottom: 0;
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

.footer-bottom-links a {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.85rem;
}

.footer-bottom-links a:hover {
  color: var(--primary-light);
}

/* ---------- Sticky Mobile CTA ---------- */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: var(--white);
  padding: 12px 20px;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.12);
  z-index: 999;
  gap: 10px;
}

.sticky-cta a {
  flex: 1;
  text-align: center;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
}

.sticky-cta .sticky-call {
  background: var(--secondary);
  color: var(--white);
}

.sticky-cta .sticky-quote {
  background: var(--primary);
  color: var(--white);
}

/* ---------- Error Page ---------- */
.error-section {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 120px 0 80px;
}

.error-code {
  font-family: var(--font-heading);
  font-size: 8rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 16px;
  opacity: 0.15;
}

.error-section h1 {
  margin-bottom: 12px;
}

.error-section p {
  font-size: 1.1rem;
  margin-bottom: 30px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Skip Link ---------- */
.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  background: var(--primary);
  color: var(--white);
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  z-index: 10000;
  font-weight: 600;
}

.skip-link:focus {
  top: 16px;
  color: var(--white);
}

/* ---------- Loader ---------- */
.form-loader {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px;
}

.form-loader.active {
  display: flex;
}

.spinner {
  width: 20px;
  height: 20px;
  border: 3px solid var(--light-gray);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero {
    padding: 110px 0 60px;
    min-height: auto;
  }
  .hero h1 {
    font-size: 2.4rem;
  }
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .stat-item:nth-child(2) {
    border-right: none;
  }
  .coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .why-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .local-grid {
    grid-template-columns: 1fr;
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 30px;
  }
  .coverage-detail-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .section { padding: 60px 0; }

  .nav {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: var(--white);
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 8px;
    z-index: 999;
  }
  .nav.active {
    display: flex;
  }
  .nav a {
    font-size: 1.15rem;
    padding: 12px 24px;
  }
  .menu-toggle {
    display: flex;
  }

  .hero h1 {
    font-size: 2rem;
  }
  .hero-sub {
    font-size: 1.05rem;
  }
  .hero-form .form-row {
    flex-direction: column;
  }
  .hero-trust {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }
  .steps-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .steps-grid::before {
    display: none;
  }
  .coverage-grid {
    grid-template-columns: 1fr;
  }
  .next-steps-grid {
    grid-template-columns: 1fr;
  }
  .form-row {
    grid-template-columns: 1fr;
  }

  .carrier-logos {
    gap: 30px;
  }

  .cta-buttons {
    flex-direction: column;
    align-items: center;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .sticky-cta {
    display: flex;
  }
  .footer {
    padding-bottom: 70px;
  }

  .form-progress {
    gap: 8px;
  }
  .progress-label {
    display: none;
  }
  .progress-line {
    width: 30px;
  }
}

@media (max-width: 480px) {
  h1 { font-size: 1.7rem; }
  .hero { padding: 100px 0 50px; }
  .hero-form { padding: 20px; }
  .form-card { padding: 24px; }
  .stats-grid { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--light-gray); }
  .stat-item:last-child { border-bottom: none; }
}

/* ---------- Accessibility ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

/* ---------- Print ---------- */
@media print {
  .header, .footer, .sticky-cta, .cta-banner {
    display: none !important;
  }
  body {
    font-size: 12pt;
    color: #000;
  }
  a {
    color: #000;
    text-decoration: underline;
  }
}