/* ===== Select Life Insurance Quotes — shared styles ===== */
:root{
  --navy:#10243E;
  --navy-2:#1B3554;
  --sand:#F5F1EA;
  --sand-2:#EDE6D8;
  --teal:#1FA87E;
  --teal-d:#178A67;
  --slate:#475569;
  --ink:#0E1B2E;
  --line:#E3E0D8;
  --white:#fff;
  --radius:16px;
  --shadow:0 18px 50px -20px rgba(16,36,62,.35);
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Inter",system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:"Fraunces",Georgia,serif;font-weight:600;line-height:1.1;letter-spacing:-.01em;margin:0}
a{color:inherit}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
.muted{color:var(--slate)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:1rem;
  padding:14px 26px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.18s}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-d);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy);background:#fff}
.btn-lg{padding:17px 34px;font-size:1.08rem}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:700;color:var(--navy);font-size:1.05rem}
.brand svg{width:32px;height:32px;flex:none}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--slate);font-weight:500;font-size:.95rem;transition:.15s}
.nav-links a:hover{color:var(--navy)}
.nav-cta{margin-left:8px}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px}
.menu-btn span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;overflow:hidden;position:relative}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:88px}
.hero h1{font-size:clamp(2.4rem,5vw,3.6rem);color:#fff}
.hero p.lead{font-size:1.18rem;color:#C9D6E5;margin:22px 0 32px;max-width:30ch}
.hero .trust-row{display:flex;gap:26px;margin-top:36px;flex-wrap:wrap}
.hero .trust-row div{font-size:.85rem;color:#A9BBD0}
.hero .trust-row b{display:block;font-family:"Fraunces",serif;font-size:1.5rem;color:#fff}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}

/* rate card (signature) */
.rate-card{background:#fff;color:var(--ink);border-radius:20px;box-shadow:var(--shadow);padding:28px;position:relative}
.rate-card .rc-top{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);padding-bottom:16px}
.rate-card .rc-top span{font-size:.8rem;color:var(--slate);text-transform:uppercase;letter-spacing:.1em;font-weight:600}
.rate-card .rc-badge{background:var(--sand);color:var(--teal-d);font-weight:700;font-size:.72rem;padding:5px 11px;border-radius:999px;letter-spacing:.06em}
.rc-price{font-family:"Fraunces",serif;font-size:3rem;line-height:1;margin:20px 0 4px}
.rc-price small{font-size:1rem;color:var(--slate);font-family:"Inter",sans-serif;font-weight:500}
.rc-meta{font-size:.9rem;color:var(--slate);margin-bottom:20px}
.rc-rows{list-style:none;margin:0 0 22px;padding:0}
.rc-rows li{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.92rem}
.rc-rows li span:last-child{font-weight:600}
.rate-card .btn{width:100%;justify-content:center}
.rc-foot{text-align:center;font-size:.72rem;color:var(--slate);margin-top:12px}

/* logos / trust strip */
.logos{background:var(--sand);padding:26px 0}
.logos .wrap{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap}
.logos span{font-weight:700;color:#9AA6B2;font-size:1.05rem;letter-spacing:.02em;opacity:.85}
.logos .lbl{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--slate);font-weight:600}

/* sections */
section{padding:84px 0}
.section-head{max-width:640px;margin:0 auto 52px;text-align:center}
.section-head h2{font-size:clamp(1.9rem,3.4vw,2.6rem);margin:14px 0}
.section-head p{color:var(--slate);font-size:1.08rem}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px}
.step .num{font-family:"Fraunces",serif;font-size:1.1rem;color:var(--teal);font-weight:600}
.step h3{font-size:1.25rem;margin:10px 0 8px}
.step p{color:var(--slate);font-size:.96rem;margin:0}

/* feature grid */
.alt{background:var(--sand)}
.features{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.feature{display:flex;gap:18px;background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.feature .ic{flex:none;width:46px;height:46px;border-radius:12px;background:var(--sand);display:grid;place-items:center}
.feature .ic svg{width:24px;height:24px;stroke:var(--teal-d)}
.feature h3{font-size:1.18rem;margin:0 0 6px}
.feature p{margin:0;color:var(--slate);font-size:.95rem}

/* coverage types */
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.type-card{border:1px solid var(--line);border-radius:var(--radius);padding:30px;background:#fff;transition:.18s}
.type-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.type-card h3{font-size:1.3rem;margin-bottom:10px}
.type-card p{color:var(--slate);font-size:.95rem;margin:0 0 16px}
.type-card a{color:var(--teal-d);font-weight:600;text-decoration:none;font-size:.95rem}
.type-card a:hover{text-decoration:underline}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.quote .stars{color:#E5A100;font-size:1rem;letter-spacing:2px}
.quote p{font-size:1rem;color:var(--ink);margin:14px 0 18px}
.quote .who{font-size:.88rem;color:var(--slate);font-weight:600}

/* faq */
.faq{max-width:760px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:12px;padding:4px 22px;margin-bottom:14px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;padding:18px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--teal);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 20px;color:var(--slate)}

/* big CTA band */
.cta-band{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;text-align:center;border-radius:24px;padding:64px 32px;margin:0 24px}
.cta-band h2{font-size:clamp(1.9rem,3.5vw,2.6rem);color:#fff;margin-bottom:14px}
.cta-band p{color:#C9D6E5;max-width:46ch;margin:0 auto 28px;font-size:1.1rem}

/* footer */
.site-footer{background:var(--ink);color:#9FB0C4;padding:64px 0 30px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
.site-footer .brand{color:#fff;margin-bottom:14px}
.site-footer h4{color:#fff;font-family:"Inter",sans-serif;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 16px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:10px}
.site-footer a{color:#9FB0C4;text-decoration:none}
.site-footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.82rem;color:#73869C}
.foot-bottom p{margin:0 0 10px}

/* generic content pages */
.page-hero{background:var(--sand);padding:64px 0 56px}
.page-hero h1{font-size:clamp(2rem,4vw,3rem);max-width:18ch}
.page-hero p{color:var(--slate);font-size:1.15rem;margin-top:14px;max-width:54ch}
.prose{max-width:760px;margin:0 auto;padding:64px 24px}
.prose h2{font-size:1.6rem;margin:38px 0 14px}
.prose h3{font-size:1.2rem;margin:26px 0 10px;font-family:"Inter",sans-serif;font-weight:700}
.prose p,.prose li{color:var(--slate);font-size:1.02rem}
.prose ul{padding-left:22px}
.prose li{margin-bottom:8px}
.prose .updated{font-size:.85rem;color:var(--slate);font-style:italic}
.prose a{color:var(--teal-d)}

/* about */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-align:center}
.stat b{font-family:"Fraunces",serif;font-size:2.2rem;color:var(--navy);display:block}
.stat span{font-size:.88rem;color:var(--slate)}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.field input:focus,.field textarea:focus,.field select:focus{outline:2px solid var(--teal);border-color:transparent}
.contact-info .ci{display:flex;gap:14px;margin-bottom:24px}
.contact-info .ci b{display:block;color:var(--ink)}
.form-note{font-size:.82rem;color:var(--slate);margin-top:10px}

/* disclosure */
.disclosure{background:var(--sand);padding:30px 0;font-size:.82rem;color:var(--slate)}
.disclosure .wrap{max-width:900px}

/* responsive */
@media(max-width:900px){
  .hero .wrap{grid-template-columns:1fr;gap:40px;padding-top:56px;padding-bottom:64px}
  .steps,.types,.quotes,.values,.stat-row{grid-template-columns:1fr}
  .features,.about-grid,.contact-grid,.foot-grid{grid-template-columns:1fr}
  .foot-grid{gap:28px}
  .nav-links{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:flex-start;
    padding:20px 24px;gap:18px;border-bottom:1px solid var(--line);display:none;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .menu-btn{display:block}
  .nav-cta{margin-left:0}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}