:root {
  --navy: #071d45;
  --blue: #0c3d78;
  --blue-soft: #e9f4ff;
  --gold: #e6a80f;
  --gold-dark: #b77a00;
  --ink: #10203f;
  --muted: #5a6475;
  --line: #dce4ef;
  --light: #f5f8fc;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(7, 29, 69, 0.12);
  --radius: 8px;
  --container: 1180px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

img,
svg {
  display: block;
}

img {
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select {
  font: inherit;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  z-index: 100;
  padding: 0.75rem 1rem;
  color: var(--white);
  background: var(--navy);
  border-radius: 6px;
}

.skip-link:focus {
  top: 1rem;
}

.container {
  width: min(var(--container), calc(100% - 32px));
  margin-inline: auto;
}

.section {
  padding: 54px 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 10px 26px rgba(7, 29, 69, 0.06);
  backdrop-filter: blur(16px);
}

.header-inner {
  width: min(1240px, calc(100% - 28px));
  min-height: 88px;
  margin-inline: auto;
  display: flex;
  align-items: center;
  gap: 20px;
}

.brand,
.footer-logo {
  flex: 0 0 auto;
}

.brand img {
  width: 244px;
  height: 72px;
  object-fit: contain;
  object-position: left center;
}

.main-nav {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 19px;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 750;
}

.main-nav a,
.footer-links a {
  transition: color 0.18s ease;
}

.main-nav a:hover,
.footer-links a:hover {
  color: var(--gold-dark);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--navy);
  font-weight: 900;
  white-space: nowrap;
}

.phone-link svg,
.btn svg,
.benefit-card svg,
.trust-item svg,
.hero-buttons svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex: 0 0 auto;
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  margin-left: auto;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  place-items: center;
  gap: 4px;
}

.menu-toggle span {
  width: 20px;
  height: 2px;
  background: var(--navy);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 900;
  text-align: center;
  cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-gold {
  color: var(--white);
  background: linear-gradient(135deg, #f3bd24, var(--gold));
  box-shadow: 0 12px 24px rgba(230, 168, 15, 0.28);
}

.btn-outline {
  color: var(--navy);
  background: var(--white);
  border-color: #aeb9ca;
}

.btn-outline:hover {
  border-color: var(--gold);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 42px 0 36px;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.92) 44%, rgba(233, 244, 255, 0.72) 100%),
    linear-gradient(135deg, #ffffff 0%, #eaf6ff 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(360px, 1.05fr);
  align-items: center;
  gap: 42px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold-dark);
  font-size: 0.78rem;
  font-weight: 950;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 620px;
  margin: 0;
  color: var(--navy);
  font-size: clamp(2.35rem, 5vw, 4.45rem);
  line-height: 0.98;
  letter-spacing: 0;
}

.hero h1 span {
  display: inline-block;
  color: var(--gold);
}

.hero-subtext {
  max-width: 600px;
  margin: 22px 0 0;
  color: #263a5c;
  font-size: clamp(1.02rem, 1.8vw, 1.22rem);
}

.check-list {
  display: grid;
  gap: 10px;
  margin: 24px 0 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 30px;
  color: var(--navy);
  font-weight: 700;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.18rem;
  width: 19px;
  height: 19px;
  border-radius: 999px;
  background: var(--gold);
}

.check-list li::after {
  content: "";
  position: absolute;
  left: 6px;
  top: 0.5rem;
  width: 7px;
  height: 4px;
  border-left: 2px solid var(--white);
  border-bottom: 2px solid var(--white);
  transform: rotate(-45deg);
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.hero-photo {
  position: relative;
  margin: 0;
  height: min(42vw, 520px);
  min-height: 420px;
  border-radius: 0 0 0 44px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.trust-bar {
  color: var(--white);
  background: linear-gradient(90deg, var(--navy), #092b63);
}

.trust-grid {
  min-height: 94px;
  display: grid;
  grid-template-columns: 1fr repeat(3, auto);
  align-items: center;
  gap: 30px;
}

.trust-grid h2 {
  margin: 0;
  font-size: clamp(1.15rem, 2vw, 1.55rem);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
}

.trust-item svg {
  width: 34px;
  height: 34px;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.45);
  border-radius: 999px;
  padding: 7px;
}

.section-heading {
  max-width: 720px;
  margin: 0 auto 28px;
  text-align: center;
}

.section-heading.compact {
  margin-inline: 0;
  text-align: left;
}

.section-heading h2,
.carriers h2,
.quote-intro h2,
.contact-card h2,
.faq h2,
.steps-panel h2,
.qualify-panel h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.65rem, 3vw, 2.35rem);
  line-height: 1.1;
}

.carriers {
  padding-top: 30px;
}

.carriers h2 {
  margin-bottom: 20px;
}

.carrier-row {
  display: grid;
  grid-template-columns: repeat(7, minmax(110px, 1fr));
  gap: 14px;
  align-items: stretch;
}

.carrier-logo {
  min-height: 112px;
  display: grid;
  place-items: center;
  padding: 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 8px 18px rgba(7, 29, 69, 0.05);
}

.carrier-logo img {
  width: min(100%, 118px);
  height: 74px;
  object-fit: contain;
  border-radius: 7px;
}

.carrier-logo.uhc img,
.carrier-logo.cigna img {
  width: min(100%, 104px);
  height: 78px;
}

.carrier-logo.molina img {
  width: min(100%, 126px);
  height: 78px;
}

.benefits {
  background: var(--light);
}

.card-grid {
  display: grid;
  gap: 18px;
}

.benefit-grid {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.benefit-card {
  min-height: 230px;
  padding: 24px 18px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-align: center;
  box-shadow: 0 10px 26px rgba(7, 29, 69, 0.06);
}

.benefit-card svg {
  width: 54px;
  height: 54px;
  margin: 0 auto 14px;
  padding: 12px;
  color: var(--navy);
  background: var(--blue-soft);
  border-radius: 999px;
}

.benefit-card h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.2;
}

.benefit-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.split-section {
  background: var(--white);
}

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 0.78fr);
  gap: 28px;
  align-items: stretch;
}

.steps-panel,
.qualify-panel,
.form-card,
.faq,
.contact-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 12px 32px rgba(7, 29, 69, 0.07);
}

.steps-panel {
  padding: 28px;
  background: linear-gradient(135deg, #ffffff, #fffaf0);
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin-top: 24px;
}

.steps article {
  min-height: 172px;
  padding: 18px 14px;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(220, 228, 239, 0.9);
  border-radius: var(--radius);
}

.steps span {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  margin-bottom: 12px;
  color: var(--white);
  background: var(--gold);
  border-radius: 999px;
  font-weight: 950;
}

.steps h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 1rem;
}

.steps p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.qualify-panel {
  padding: 30px;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(7, 29, 69, 0.95), rgba(12, 61, 120, 0.92)),
    url("assets/safestopmcallenstorefront.webp") center/cover;
}

.qualify-panel h2,
.qualify-panel .check-list li {
  color: var(--white);
}

.life-changes {
  background: var(--light);
}

.change-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.change-grid span {
  position: relative;
  min-height: 62px;
  display: flex;
  align-items: center;
  padding: 16px 18px 16px 46px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--navy);
  font-weight: 850;
}

.change-grid span::before {
  content: "";
  position: absolute;
  left: 18px;
  width: 15px;
  height: 15px;
  border-radius: 999px;
  background: var(--gold);
}

.quote-section {
  background: linear-gradient(180deg, #ffffff, #f3f7fc);
}

.quote-grid {
  display: grid;
  grid-template-columns: minmax(260px, 0.42fr) minmax(0, 1fr);
  gap: 32px;
  align-items: start;
}

.quote-intro {
  position: sticky;
  top: 112px;
}

.quote-intro p {
  color: var(--muted);
  font-size: 1.05rem;
}

.form-card {
  padding: 26px;
  background: var(--white);
}

.lead-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.form-row {
  display: grid;
  gap: 7px;
  min-width: 0;
}

.form-row label,
.form-row legend {
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 850;
}

.form-row input,
.form-row select {
  width: 100%;
  min-height: 46px;
  padding: 0 12px;
  border: 1px solid #cdd7e5;
  border-radius: 6px;
  background: var(--white);
  color: var(--ink);
}

.form-row input:focus,
.form-row select:focus {
  outline: 3px solid rgba(230, 168, 15, 0.24);
  border-color: var(--gold);
}

.form-error {
  border-color: #c83232 !important;
  box-shadow: 0 0 0 3px rgba(200, 50, 50, 0.12);
}

.radio-row {
  grid-column: span 2;
  padding: 0;
  border: 0;
}

.radio-row label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-right: 18px;
}

.radio-row input {
  width: auto;
  min-height: auto;
}

.consent {
  grid-column: span 2;
  margin: 0;
  color: var(--muted);
  font-size: 0.82rem;
}

.lead-form .btn {
  grid-column: span 2;
  width: fit-content;
}

.form-success {
  margin-bottom: 18px;
  padding: 12px 14px;
  color: #0f5132;
  background: #e7f6ee;
  border: 1px solid #b8e0c8;
  border-radius: 6px;
  font-weight: 800;
}

.faq-contact {
  background: var(--white);
}

.faq-contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.45fr);
  gap: 28px;
  align-items: start;
}

.faq {
  padding: 26px;
  background: var(--white);
}

.accordion {
  display: grid;
  gap: 10px;
  margin-top: 22px;
}

.accordion details {
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fbfdff;
}

.accordion summary {
  position: relative;
  padding: 15px 44px 15px 16px;
  color: var(--navy);
  font-weight: 850;
  cursor: pointer;
  list-style: none;
}

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

.accordion summary::after {
  content: "+";
  position: absolute;
  right: 16px;
  color: var(--gold-dark);
  font-size: 1.3rem;
  line-height: 1;
}

.accordion details[open] summary::after {
  content: "-";
}

.accordion p {
  margin: 0;
  padding: 0 16px 16px;
  color: var(--muted);
}

.contact-card {
  overflow: hidden;
  background: var(--white);
}

.contact-card img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.contact-card-body {
  padding: 24px;
}

.contact-card p {
  margin: 12px 0 0;
  color: var(--muted);
}

.contact-card strong {
  color: var(--navy);
}

.site-footer {
  padding: 28px 0;
  color: #dce7f7;
  background: var(--navy);
}

.footer-grid {
  display: grid;
  grid-template-columns: 210px minmax(0, 1fr) 260px;
  gap: 28px;
  align-items: center;
}

.footer-logo img {
  width: 190px;
  height: 72px;
  object-fit: contain;
  background: var(--white);
  border-radius: 6px;
  padding: 6px;
}

.footer-copy p {
  margin: 0 0 8px;
  font-size: 0.82rem;
}

.footer-links {
  display: grid;
  gap: 8px;
  font-size: 0.86rem;
}

@media (max-width: 1120px) {
  .header-inner {
    min-height: 78px;
  }

  .brand img {
    width: 196px;
    height: 58px;
  }

  .main-nav,
  .header-actions {
    display: none;
  }

  .menu-toggle {
    display: grid;
  }

  .site-header.nav-open .main-nav,
  .site-header.nav-open .header-actions {
    display: grid;
    position: absolute;
    left: 14px;
    right: 14px;
    background: var(--white);
    border: 1px solid var(--line);
    box-shadow: var(--shadow);
  }

  .site-header.nav-open .main-nav {
    top: 78px;
    gap: 0;
    padding: 12px;
    border-radius: var(--radius) var(--radius) 0 0;
  }

  .site-header.nav-open .main-nav a {
    padding: 12px;
    border-bottom: 1px solid var(--line);
  }

  .site-header.nav-open .header-actions {
    top: 384px;
    padding: 14px 24px 20px;
    border-top: 0;
    border-radius: 0 0 var(--radius) var(--radius);
  }

  .carrier-row,
  .benefit-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .hero-grid,
  .split-grid,
  .quote-grid,
  .faq-contact-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .quote-intro {
    position: static;
  }

  .trust-grid {
    grid-template-columns: 1fr;
    padding: 22px 0;
    gap: 16px;
  }

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

  .change-grid,
  .carrier-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 24px, var(--container));
  }

  .section,
  .hero {
    padding: 38px 0;
  }

  .brand img {
    width: 172px;
    height: 52px;
  }

  .hero-photo,
  .hero-photo img {
    min-height: 320px;
    border-radius: var(--radius);
  }

  .hero-buttons,
  .hero-buttons .btn,
  .lead-form .btn {
    width: 100%;
  }

  .carrier-row,
  .benefit-grid,
  .steps,
  .change-grid,
  .lead-form {
    grid-template-columns: 1fr;
  }

  .radio-row,
  .consent,
  .lead-form .btn {
    grid-column: auto;
  }

  .form-card,
  .faq,
  .steps-panel,
  .qualify-panel {
    padding: 20px;
  }
}