/* ===================================================================
   CSS CUSTOM PROPERTIES / VARIABLES
   =================================================================== */

:root {
  --primary-navy: #1b365d;
  --primary-gold: #d4a574;
  --primary-gold-light: #e6c99a;
  --accent-blue: #2e4a6b;
  --text-primary: #1b365d;
  --text-secondary: #374151;
  --text-gray: #808080;
  --text-muted: #9ca3af;
  --bg-white: #fff;
  --bg-light: #f8f9fb;
  --bg-dark: #1a1a2e;
  --success-green: #10b981;
  --error-red: #ef4444;
  --border-light: #e2e8f0;
  --border-medium: #cbd5e0;
  --shadow-sm: 0 1px 3px 0 rgba(27, 54, 93, .1);
  --shadow-md: 0 4px 6px -1px rgba(27, 54, 93, .1);
  --shadow-lg: 0 10px 15px -3px rgba(27, 54, 93, .1);
  --shadow-xl: 0 20px 25px -5px rgba(27, 54, 93, .1);
  --gradient-primary: linear-gradient(135deg, var(--primary-navy), var(--accent-blue));
  --gradient-gold: linear-gradient(135deg, var(--primary-gold), var(--primary-gold-light));
  --gradient-bg-light: linear-gradient(135deg, var(--bg-white), var(--bg-light));
  --gradient-bg-dark: linear-gradient(135deg, #1a1a2e, #16213e 25%, #0f3460 50%, #16213e 75%, #1a1a2e);
  --gradient-current: linear-gradient(135deg, #f5f7fa, #c3cfe2);
  --font-family-primary: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

/* ===================================================================
   CSS RESET / BASE STYLES
   =================================================================== */

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-display: swap;
}

html,
body {
  overflow-x: hidden;
  font-family: var(--font-family-primary);
}

body {
    background: var(--gradient-current);
    background-size: cover;
    font-size: 18px;
    line-height: 1.7;
    color: #2d3748;
}

/* ===================================================================
   LAYOUT COMPONENTS
   =================================================================== */

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  position: relative;
  z-index: 2;
}

.section-light {
  background: var(--gradient-bg-light);
  padding: 4rem 0;
  content-visibility: auto;
  contain-intrinsic-size: 1000px;
}

.section-dark {
  background: var(--gradient-bg-dark);
  padding: 4rem 0;
  color: #fff;
  position: relative;
  overflow: hidden;
  content-visibility: auto;
  contain-intrinsic-size: 1000px;
}

.section-dark:before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 100%;
  background: hsla(31, 53%, 64%, .02);
  pointer-events: none;
}

/* ===================================================================
   TYPOGRAPHY
   =================================================================== */

h1 {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, Segoe UI, sans-serif;
  font-style: normal;
  font-weight: 600;
  font-size: 1.875rem;
  line-height: 1.2;
  margin-bottom: 1.5rem;
  padding: 1.5rem 0;
  color: var(--primary-navy);
  text-align: center;
  text-shadow: 0 2px 4px rgba(27, 54, 93, .1);
  letter-spacing: -.02em;
  max-width: 100%;
}

h2 {
  font-family: var(--font-family-primary);
  font-style: normal;
  font-weight: 600;
  font-size: 1.75rem;
  line-height: 1.2;
  margin-bottom: 1.5rem;
  text-align: center;
  color: var(--primary-navy);
}

.section-dark h2 {
  color: #fff;
}

h3 {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, Segoe UI, sans-serif;
  font-style: normal;
  font-weight: 600;
  font-size: 32px;
  line-height: 45px;
  margin-bottom: 1rem;
  color: var(--primary-navy);
  text-align: center;
}

.section-dark h3 {
  color: #fff;
}

/* ===================================================================
   HEADER / NAVIGATION
   =================================================================== */

.sticky-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 3;
  background: hsla(0, 0%, 100%, .7);
  padding: .5rem;
  backdrop-filter: blur(10px);
  border-bottom: 1px solid hsla(31, 53%, 64%, .2);
  box-shadow: 0 2px 10px rgba(27, 54, 93, .1);
  transition: background .3s ease, box-shadow .3s ease, border-color .3s ease;
}

.header-content {
  display: flex;
  justify-content: space-between;
  padding: 0;
}

.header-left {
  display: flex;
  align-items: center;
  gap: .75rem;
}

.header-logo {
  height: 40px;
  width: auto;
  border-radius: 50%;
  border: 2px solid var(--primary-gold);
  padding: 2px;
  background: #fff;
}

.header-brand {
  font-family: var(--font-family-primary);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--primary-navy);
}

.header-brand .plan {
  color: var(--primary-gold);
}

.header-right {
  display: flex;
  align-items: center;
}

.header-cta {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: .75rem 1.5rem;
  border-radius: 8px;
  font-size: .9rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.header-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px hsla(31, 53%, 64%, .3);
  border-color: #c19660;
}

/* ===================================================================
    HERO SECTION
    =================================================================== */

.hero-section {
  background: linear-gradient(135deg, #ffffff, #dae5f7);
  padding-top: 0;
  padding-bottom: 2rem;
  min-height: 90vh;
  display: flex;
  align-items: center;
  justify-content: center;
}

.mobile-hero-header {
  display: none;
}

.hero-content {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
}

.hero-center {
  display: flex;
  flex-direction: column;
  text-align: center;
  max-width: 1200px;
  padding: 0 2rem;
  justify-content: center;
  align-items: center;
  width: 100%;
}

.brand-name {
  font-size: .8rem;
  font-weight: 500;
  opacity: .8;
}

.hero-headlines {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  margin-bottom: 1.5rem;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.primary-headline {
  font-family: var(--font-family-primary);
  font-style: normal;
  font-weight: 800;
  font-size: 1.75rem;
  line-height: 1.1;
  padding-top: 2rem;
  padding-bottom: 0;
  margin: 1rem 0;
  color: var(--primary-navy);
  text-align: center;
  text-shadow: 0 2px 4px rgba(27, 54, 93, .15);
  letter-spacing: -.01em;
  max-width: 100%;
  position: relative;
}

.hero-yes {
  color: var(--primary-gold);
}

.benefit-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 2rem;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.benefit-list li {
  font-family: var(--font-family-primary);
  font-style: normal;
  font-weight: 300;
  font-size: 18px;
  line-height: 29px;
  color: var(--primary-navy);
  text-align: center;
  margin: 0;
  padding: .5rem 0;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
}

.benefit-list li:before {
  content: "✓";
  color: var(--primary-gold);
  font-size: 1.2rem;
  font-weight: 700;
  flex-shrink: 0;
}

/* ===================================================================
   CTA COMPONENTS
   =================================================================== */

.cta-container {
  margin: 1rem 0 .5rem;
  display: flex;
  padding-bottom: 2rem;
  flex-direction: column;
  align-items: center;
  width: 100%;
}

.primary-cta {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: 1rem;
  min-height: 48px;
  border-radius: 12px;
  font-size: 1.2rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  text-transform: capitalize;
  letter-spacing: .5px;
  box-shadow: var(--shadow-sm);
  text-decoration: none;
  display: inline-block;
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 400px;
  text-align: center;
}

.primary-cta:before {
  content: "";
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, hsla(0, 0%, 100%, .3), transparent);
  transition: left .6s ease;
}

.primary-cta:hover:before {
  left: 100%;
}

.primary-cta:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: #c19660;
}

.primary-cta:active {
  transform: translateY(-1px);
  border-color: #c19660;
}

.cta-microcopy {
  display: block;
  font-size: .75rem;
  font-weight: 500;
  opacity: .9;
  margin-top: .25rem;
}

.cta-reassurance {
  font-family: var(--font-family-primary);
  font-style: normal;
  font-weight: 300;
  font-size: 18px;
  line-height: 29px;
  color: var(--primary-navy);
  margin-top: 1.5rem;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
}

.cta-reassurance span:nth-child(2),
.cta-reassurance span:nth-child(4) {
  margin: 0 .75rem;
  font-weight: 700;
  color: var(--primary-gold);
}

.cta-reassurance:before {
  content: none;
}

/* ===================================================================
   TRUST BADGES
   =================================================================== */

.all-trust-badges {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
  max-width: 1000px;
  margin: 1rem auto;
  padding: 1rem;
  border-radius: 12px;
}

.all-trust-badges a,
.trust-badge {
  text-decoration: none;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: .5rem;
  background: transparent;
  padding: .75rem 1rem;
  border-radius: .5rem;
  border: 1px solid hsla(207, 56%, 27%, 0.5);
  font-size: .9rem;
  color: var(--primary-navy);
  font-weight: 500;
  min-height: 44px;
  transition: border-color .3s ease, transform .3s ease, box-shadow .3s ease;
  cursor: pointer;
}

.trust-badge:hover {
  border-color: var(--primary-gold);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

.trust-badge .icon {
  width: 30px;
  height: 30px;
  color: var(--primary-gold);
  flex-shrink: 0;
}

.badge-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.badge-rating {
  font-weight: 700;
  font-size: .95rem;
  color: var(--primary-navy);
  line-height: 1.2;
}

.badge-label {
    font-size: .75rem;
    color: var(--text-gray);
    font-weight: 500;
    line-height: 1.2;
}


.google-badge .google-icon {
  width: 30px;
  height: 30px;
  flex-shrink: 0;
  border-radius: 4px;
}

.fb-badge .badge-rating {
  color: var(--primary-navy);
}

.fb-badge {
  cursor: default;
}

.fb-icon {
  width: 30px !important;
  height: 30px !important;
}

.social-proof {
    font-size: 1.1rem;
    color: var(--primary-navy);
    text-align: center;
    margin: 1rem auto 0;
    line-height: 1.6;
    font-weight: 600;
    max-width: 600px;
    padding: 0;
}

/* ===================================================================
   MEET FRANK SECTION
   =================================================================== */

.meet-frank-section {
  padding: 3rem 0;
  background: linear-gradient(135deg, #f8f9fb, #fff);
}

.meet-frank-card {
    background: #fff;
    border-radius: 20px;
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
    border: 1px solid hsla(31, 53%, 64%, .2);
    max-width: 1000px;
    margin: 0 auto;
    position: relative;
    transition: transform 0.3s ease;
}

.meet-frank-card:hover {
  transform: translateY(-2px);
}

.frank-intro {
  display: flex;
  gap: 2rem;
  align-items: flex-start;
  margin-bottom: 2rem;
}

.frank-portrait {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  border: 3px solid var(--primary-gold);
  background: #fff;
  padding: 8px;
  flex-shrink: 0;
  box-shadow: 0 4px 16px hsla(31, 53%, 64%, .3);
}

.frank-bio h3 {
  font-size: 1.8rem;
  color: var(--primary-navy);
  margin-bottom: .5rem;
  font-weight: 700;
}

.frank-title {
  color: var(--primary-gold);
  font-weight: 600;
  margin-bottom: 1rem;
  font-size: 1.1rem;
  font-style: italic;
}

.frank-description {
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  position: relative;
  padding-left: 1rem;
  border-left: 3px solid var(--primary-gold);
  font-size: 1.1rem;
  font-style: italic;
}

.frank-credentials {
  display: flex;
  gap: 1rem;
  margin: 0;
  flex-wrap: wrap;
}

.credential {
  background: linear-gradient(135deg, var(--primary-navy), var(--accent-blue));
  color: #fff;
  padding: .5rem 1rem;
  border-radius: 20px;
  font-size: .85rem;
  font-weight: 600;
  box-shadow: var(--shadow-sm);
}

.scroll-indicator {
  text-align: center;
  margin-top: 1rem;
}

.indicator-text {
  display: block;
  font-size: .9rem;
  color: var(--text-gray);
  margin-bottom: .5rem;
  font-weight: 500;
}

.bounce-arrow {
  color: var(--primary-gold);
  animation: bounce 2s infinite;
}

@keyframes bounce {
  0%, 20%, 50%, 80%, to {
    transform: translateY(0);
  }
  40% {
    transform: translateY(-8px);
  }
  60% {
    transform: translateY(-4px);
  }
}

/* ===================================================================
   QUIZ / FORM COMPONENTS
   =================================================================== */

.quiz-section {
  background: var(--gradient-bg-light);
  padding: 4rem 0;
}

.quiz-intro {
  text-align: center;
  margin-bottom: 3rem;
}

.quiz-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2rem;
}

.quote-card {
  background: #fff;
  padding: 1rem;
  border-radius: 1rem;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 100%;
  position: relative;
  border: 1px solid var(--primary-navy);
  margin: 0 1rem;
}

.quiz-avatar {
  display: flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: 1rem;
}

.quiz-avatar img {
  height: 90px;
  width: 90px;
  border-radius: 50%;
  object-fit: contain;
  border: 2px solid var(--primary-gold);
  background: #fff;
}

.avatar-name {
  font-weight: 600;
  color: var(--primary-navy);
  font-size: 1.1rem;
  display: flex;
  flex-direction: column;
}

.avatar-title {
  font-size: .7rem;
  color: #6b7280;
  font-weight: 500;
  margin-top: .25rem;
  font-style: italic;
}

.progress-container {
  width: 100%;
  height: 6px;
  background: #e5e7e5;
  border-radius: 3px;
  margin: 1.5rem 0;
}

.progress-bar {
  height: 100%;
  width: 0;
  background: linear-gradient(90deg, var(--primary-gold), var(--primary-navy));
  transition: width .4s ease;
  border-radius: 3px;
}

.form-step {
  display: none;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}

.form-step.active {
  display: block;
  opacity: 1;
  transform: translateY(0);
}

@keyframes fadeInUp {
  0% {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.form-input {
  width: 100%;
  padding: 1rem;
  border: 2px solid var(--border-light);
  border-radius: .75rem;
  margin-top: 1rem;
  margin-bottom: 1rem;
  font-size: 1rem;
  transition: border-color .3s ease;
  min-height: 48px;
  background: var(--bg-white);
  color: var(--text-primary);
}

.form-input:focus {
  outline: none;
  border-color: var(--primary-gold);
}

input.form-input:hover,
input.form-input:active,
input.form-input:not(:placeholder-shown) {
  border-color: var(--primary-gold);
}

.form-input.error {
  border-color: var(--error-red);
  box-shadow: 0 0 0 3px rgba(239, 68, 68, .1);
}

.option-button {
  width: 100%;
  padding: 1.25rem;
  margin-bottom: .75rem;
  border: 2px solid #e5e5e5;
  border-radius: .75rem;
  background: #fff;
  color: var(--primary-navy);
  text-align: center;
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease, transform .15s ease;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, Segoe UI, sans-serif;
  font-style: normal;
  font-weight: 600;
  font-size: 20px;
  line-height: normal;
  min-height: 3.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.option-button:hover,
.option-button:active,
.option-button.selected {
  border-color: var(--primary-gold);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.gender-button {
  flex: 1;
  padding: 1.75rem;
  border: 2px solid #e5e5e5;
  border-radius: .75rem;
  background: #fff;
  color: var(--primary-navy);
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .5rem;
  transition: border-color .3s ease, box-shadow .3s ease, transform .3s ease;
  font-size: 1.1rem;
  font-weight: 600;
  min-height: 4rem;
}

.gender-button:hover,
.gender-button:active,
.gender-button.selected {
  border-color: var(--primary-gold);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.next-button {
  width: 100%;
  padding: 1.25rem;
  margin-top: 1rem;
  border: 2px solid transparent;
  border-radius: .75rem;
  background: var(--gradient-primary);
  color: #fff;
  font-weight: 600;
  cursor: pointer;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  box-shadow: var(--shadow-md);
  font-size: 1.1rem;
  min-height: 48px;
}

.next-button:hover,
.next-button:active {
  border-color: var(--primary-gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.next-button:disabled {
  background: var(--border-medium);
  cursor: not-allowed;
  box-shadow: none;
}

.back-link {
  display: inline-flex;
  align-items: center;
  color: var(--text-gray);
  text-decoration: none;
  margin-top: 1rem;
  margin-bottom: 1rem;
  font-size: .9rem;
  background: #fff;
  border: 1px solid var(--text-gray);
  padding: .5rem 1rem;
  border-radius: .5rem;
  font-weight: 300;
  transition: background-color .3s ease, color .3s ease, border-color .3s ease;
}

.back-link:hover {
  background: var(--text-gray);
  color: #fff;
  border-color: var(--text-gray);
}

.validation-error {
  font-size: .875rem;
  font-weight: 500;
  display: none;
  background: rgba(239, 68, 68, .1);
  padding: .5rem;
  border-radius: 4px;
  border-left: 3px solid var(--error-red);
  color: var(--error-red);
  margin-top: .5rem;
}

.error-message {
  color: var(--error-red);
  margin-top: .5rem;
  font-size: .9rem;
  display: flex;
  align-items: center;
  gap: .5rem;
}

/* ===================================================================
   OTP / VERIFICATION COMPONENTS
   =================================================================== */

.otp-modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 3;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}

.otp-modal:not([hidden]) {
  display: flex;
}

.otp-modal-backdrop {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, .5);
  backdrop-filter: blur(4px);
}

.otp-modal-content {
  position: relative;
  z-index: 4;
  max-width: 400px;
  width: 100%;
}

.otp-modal-close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  background: none;
  border: none;
  font-size: 2rem;
  color: var(--text-gray);
  cursor: pointer;
  z-index: 5;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  transition: background-color .2s ease, color .2s ease;
}

.otp-modal-close:hover {
  background: rgba(0, 0, 0, .1);
  color: var(--primary-navy);
}

.otp-loading-container {
  margin-top: 1rem;
  display: none;
  text-align: center;
  padding: 2rem 1rem;
  background: hsla(0, 0%, 100%, .95);
  border-radius: 1rem;
  border: 2px solid hsla(31, 53%, 64%, .2);
  box-shadow: var(--shadow-sm);
  transition: opacity .3s ease, transform .3s ease;
}

.otp-loading-container:not([hidden]) {
  display: block;
  animation: fadeInUp .4s ease;
}

.otp-loading-spinner {
  width: 48px;
  height: 48px;
  border: 4px solid hsla(31, 53%, 64%, .2);
  border-top: 4px solid var(--primary-gold);
  border-radius: 50%;
  animation: spin 1s linear infinite;
  margin: 0 auto 1rem;
}

.otp-loading-text {
  font-size: 1.1rem;
  color: var(--primary-navy);
  font-weight: 600;
  margin: 0;
}

.otp-container {
  background: transparent;
  border: 0;
  box-shadow: none;
  padding: 1rem 0; /* keep a little breathing room */
  border-radius: 1rem;
  transition: opacity .3s ease, transform .3s ease;
  margin-top: 1rem;
  display: none;
}

.otp-container:not([hidden]) {
  display: block;
  animation: slideInUp .5s ease;
}

@keyframes slideInUp {
  0% {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.otp-instructions {
  text-align: center;
  margin-bottom: 2rem;
}

.otp-instruction-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: .5rem;
  line-height: 1.3;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  flex-wrap: wrap;
}

.otp-instruction-subtitle {
  font-size: .95rem;
  color: var(--text-gray);
  font-weight: 500;
  margin: 0;
  line-height: 1.4;
}

.otp-helper {
  font-size: .9rem;
  color: #6b7280;
  text-align: center;
  margin-bottom: 1rem;
  font-weight: 500;
}

.otp-container.active {
  display: block;
  animation: fadeInUp .3s ease;
}

.otp-input {
  width: 60px;
  height: 60px;
  padding: 0;
  border: 2px solid #e5e5e5;
  border-radius: 12px;
  margin: 0;
  font-size: 32px;
  line-height: 60px;
  text-align: center;
  letter-spacing: 0;
  font-weight: 700;
  background: #fff;
  font-variant-numeric: tabular-nums;
  box-sizing: border-box;
  -webkit-font-smoothing: antialiased;
  
  -moz-osx-font-smoothing: grayscale;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Helvetica Neue, Arial, sans-serif;
  vertical-align: middle;
  outline: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}

.otp-input:focus {
  border-color: var(--primary-gold);
  box-shadow: 0 0 0 3px hsla(31, 53%, 64%, .1);
}

.otp-input:not(:placeholder-shown) {
  border-color: var(--primary-gold);
  background: hsla(31, 53%, 64%, .05);
}

.otp-input.error {
  border-color: #ef4444;
  box-shadow: 0 0 0 3px rgba(239, 68, 68, .1);
  animation: shake .4s ease-in-out;
}

.otp-input.success {
  border-color: #10b981;
  background: rgba(16, 185, 129, .05);
}

@keyframes shake {
  0%, to {
    transform: translateX(0);
  }
  25% {
    transform: translateX(-4px);
  }
  50% {
    transform: translateX(4px);
  }
  75% {
    transform: translateX(-4px);
  }
}

.otp-buttons {
  display: flex;
  gap: .5rem;
  margin-bottom: 1rem;
}

.otp-button {
  flex: 1;
  padding: 1rem;
  border: 2px solid var(--primary-navy);
  border-radius: .5rem;
  background: #fff;
  color: var(--primary-navy);
  cursor: pointer;
  transition: background-color .3s ease, color .3s ease;
  font-size: 1rem;
  font-weight: 600;
  outline: none;
}

.otp-button[id=verifyButton] {
  background: var(--primary-navy);
  border-color: var(--primary-navy);
  color: #fff;
  box-shadow: 0 4px 12px hsla(27, 54, 93, .25);
}

.otp-button[id=verifyButton]:hover:not(:disabled) {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px hsla(31, 53%, 64%, .4);
}

.otp-button:hover:not(:disabled) {
  background: var(--primary-gold);
  color: var(--primary-navy);
}

.otp-button:focus {
  box-shadow: 0 0 0 3px hsla(31, 53%, 64%, .2);
}

.otp-button:disabled {
  opacity: .5;
  cursor: not-allowed;
}

.otp-button.loading {
  position: relative;
  color: transparent;
}

.otp-button.loading:after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 20px;
  height: 20px;
  margin: -10px 0 0 -10px;
  border: 2px solid hsla(0, 0%, 100%, .3);
  border-top-color: var(--primary-navy);
  border-radius: 50%;
  animation: spin .8s linear infinite;
}

.otp-message {
  margin-top: 1rem;
  padding: .75rem 1rem;
  border-radius: .5rem;
  font-size: .9rem;
  font-weight: 500;
  text-align: center;
  display: none;
}

.otp-message.error-message {
  background: rgba(239, 68, 68, .1);
  color: var(--error-red);
  border: 1px solid rgba(239, 68, 68, .2);
  display: block;
}

.phone-reassurance {
  font-size: .85rem;
  color: var(--text-gray);
  margin-top: .5rem;
  line-height: 1.4;
}

.consent-container {
  margin-top: 1.5rem;
}

.consent-label {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  cursor: pointer;
  font-size: .9rem;
  color: var(--text-gray);
  line-height: 1.4;
}

.consent-label input[type=checkbox] {
  margin-top: .25rem;
  width: 1.2rem;
  height: 1.2rem;
  accent-color: var(--primary-gold);
}

.consent-text {
  flex: 1;
  background: rgba(248, 249, 251, .8);
  padding: 1rem;
  border-radius: .5rem;
  border-left: 3px solid var(--primary-gold);
}

.coverage-options {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  margin-bottom: 1rem;
  max-width: 300px;
  margin-left: auto;
  margin-right: auto;
}

.gender-buttons {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.age-divider {
  height: 1px;
  background-color: var(--border-light);
  margin: 1rem 0;
  width: 100%;
}

.age-container {
  margin-bottom: 1rem;
}

.counter {
  background: linear-gradient(135deg, var(--bg-light), hsla(31, 53%, 64%, .1));
  padding: 1rem;
  border-radius: .75rem;
  text-align: center;
  font-size: .9rem;
  color: var(--primary-navy);
  border: 1px solid hsla(31, 53%, 64%, .2);
}



.primary-cta.hero {
    animation: pulse 2.5s ease-in-out 1;
}

@keyframes pulse {
    0%, 100% {
        transform: scale(1);
    }
    50% {
        transform: scale(1.02);
    }
}

.primary-cta:hover {
    animation: none;
}

/* Mobile Sticky CTA */
/* Mobile Sticky CTA — visible only on small screens */
@media (max-width: 768px) {
  .mobile-sticky-cta {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: linear-gradient(135deg, var(--primary-gold), #e6c576);
    padding: 0.75rem 1rem;
    text-align: center;
    box-shadow: 0 -4px 12px rgba(0,0,0,.2);
    transform: translateY(100%);
    transition: transform .3s ease;
    z-index: 1000;
  }
  .mobile-sticky-cta[hidden] { display: none; }
  .mobile-sticky-cta:not([hidden]) { transform: translateY(0); }
  body.has-sticky-cta { padding-bottom: 72px; } /* prevent overlap with page content */

  .mobile-sticky-cta button {
    background: transparent;
    border: none;
    color: var(--primary-navy);
    font-size: 1.05rem;
    font-weight: 800;
    width: 100%;
    padding: 0.5rem 0;
  }
}

/* ===================================================================
    UTILITY CLASSES
    =================================================================== */

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.icon {
  width: 24px;
  height: 24px;
  stroke-width: 2.25;
  flex-shrink: 0;
}

.lazy-svg {
  opacity: 0;
  transition: opacity .3s ease;
}

.lazy-svg.loaded {
  opacity: 1;
}

.lazy-svg[loading=lazy] {
  will-change: opacity;
}

@keyframes spin {
  0% {
    transform: rotate(0deg);
  }
  to {
    transform: rotate(1turn);
  }
}

/* ===================================================================
   CONTENT SECTIONS
   =================================================================== */

.franks-header {
  text-align: center;
  margin-bottom: 4rem;
}

.franks-subtitle {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-style: normal;
  font-weight: 400;
  font-size: 20px;
  line-height: 36px;
  color: hsla(0, 0%, 100%, .9);
  max-width: 700px;
  margin: 0 auto;
  text-shadow: 0 2px 8px rgba(0, 0, 0, .2);
}

.cost-calculator {
  margin-bottom: 3rem;
}

.cost-scenarios-grid {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 2rem;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
}

.cost-card {
  flex: 1;
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow-lg);
  border: 1px solid hsla(31, 53%, 64%, .2);
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease;
}

.cost-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.cost-card-title {
  font-size: 1.4rem;
  font-weight: 700;
  text-align: center;
  padding: 1.5rem 1rem 1rem;
  margin: 0;
  color: var(--primary-navy);
}

.section-dark .cost-card-title {
  color: var(--primary-navy);
}

.cost-table {
  width: 100%;
}

.cost-table-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: #0a2a55;
  color: #fff;
  font-weight: 700;
  font-size: .9rem;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.cost-table-header .cost-table-item {
  padding: .75rem 1rem;
  text-align: left;
}

.cost-table-header .cost-table-range {
  padding: .75rem 1rem;
  text-align: right;
}

.cost-table-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-bottom: 1px solid rgba(27, 54, 93, .1);
}

.cost-table-row:nth-child(2n) {
  background: rgba(248, 249, 251, .5);
}

.cost-table-label {
  font-weight: 500;
  text-align: left;
  padding: .75rem 1rem;
  font-size: .9rem;
  color: var(--primary-navy);
}

.cost-table-value {
  font-weight: 700;
  text-align: right;
  white-space: nowrap;
  padding: .75rem 1rem;
  font-size: .9rem;
  color: var(--primary-navy);
}

.cost-table-total {
  background: #0a2a55;
  color: #fff;
  font-weight: 700;
}

.cost-table-total .cost-table-label,
.cost-table-total .cost-table-value {
  color: #fff;
  font-weight: 700;
}

.cost-summary {
  font-size: .9rem;
  color: hsla(0, 0%, 100%, .8);
  line-height: 1.5;
  text-align: center;
  margin-top: 2rem;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
  font-style: italic;
}

.franks-explanation {
  margin-bottom: 4rem;
}

.explanation-content {
  max-width: 900px;
  margin: 0 auto;
}

.explanation-text {
  font-size: 1.4rem;
  color: hsla(0, 0%, 100%, .95);
  line-height: 1.6;
  margin-bottom: 2.5rem;
  text-align: center;
  font-style: italic;
  font-weight: 600;
  text-shadow: 0 2px 8px rgba(0, 0, 0, .2);
  padding: 0 1rem;
}

.protect-cta {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: 1rem 2rem;
  border-radius: 12px;
  font-size: 1.1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 24px hsla(31, 53%, 64%, .3);
  transition: transform .3s ease, box-shadow .3s ease;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin: 1.5rem auto 0;
  display: block;
}

.protect-cta:hover {
  box-shadow: 0 10px 32px hsla(31, 53%, 64%, .4);
  transform: translateY(-2px);
}

.section-transition {
  display: none;
}

.why-matters-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.why-card {
  background: hsla(0, 0%, 100%, .7);
  padding: 2.5rem 2rem;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  border: 1px solid hsla(31, 53%, 64%, .2);
  text-align: center;
  transition: transform .3s ease, box-shadow .3s ease;
}

.why-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.card-icon {
  margin-bottom: 1.5rem;
  color: var(--primary-navy);
}

.why-card h3 {
  font-size: 1.4rem;
  color: #333;
  margin-bottom: 1rem;
  font-weight: 700;
}

.why-card p {
  color: var(--text-gray);
  line-height: 1.6;
}

.franks-cta {
  text-align: center;
  background: var(--gradient-bg-dark);
  color: #fff;
  padding: 4rem 3rem;
  border-radius: 24px;
  box-shadow: var(--shadow-xl);
  margin-top: 3rem;
  position: relative;
  overflow: hidden;
  border: 1px solid hsla(31, 53%, 64%, .2);
}

.franks-cta:before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: hsla(31, 53%, 64%, .05);
}

.franks-cta h3 {
  font-size: 1.8rem;
  color: #fff;
  margin-bottom: 2.5rem;
  font-weight: 800;
  text-shadow: 0 3px 12px rgba(0, 0, 0, .3);
  z-index: 1;
  position: relative;
  letter-spacing: .5px;
}

.franks-cta-button {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: 1.25rem 2.5rem;
  border-radius: 12px;
  font-size: 1.1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 24px hsla(31, 53%, 64%, .3);
  transition: transform .3s ease, box-shadow .3s ease;
  text-transform: uppercase;
  position: relative;
  letter-spacing: .5px;
  overflow: hidden;
}

.franks-cta-button:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 32px hsla(31, 53%, 64%, .4);
}

.expect-header {
  text-align: center;
  margin-bottom: 4rem;
}

.expect-subtitle {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-style: normal;
  font-weight: 400;
  font-size: 20px;
  line-height: 36px;
  color: hsla(0, 0%, 100%, .95);
  max-width: 700px;
  margin: 0 auto;
  text-shadow: 0 2px 8px rgba(0, 0, 0, .2);
}

.expect-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-bottom: 3rem;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}

.step-item {
  background: hsla(0, 0%, 100%, .95);
  padding: 2.5rem 2rem;
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  border: 1px solid hsla(31, 53%, 64%, .2);
  text-align: center;
  position: relative;
  cursor: pointer;
}

.step-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.step-number {
  position: absolute;
  top: -25px;
  left: 50%;
  transform: translateX(-50%);
  width: 50px;
  height: 50px;
  background: #fff;
  color: var(--primary-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 800;
  box-shadow: var(--shadow-md);
  border: 2px solid var(--primary-gold);
}

.step-icon {
  margin: 1.5rem 0;
  font-size: 2.5rem;
  color: var(--primary-navy);
}

.step-item h3 {
  font-size: 1.3rem;
  margin-bottom: .5rem;
  font-weight: 700;
  line-height: 1.6;
  text-align: center;
  color: var(--primary-navy);
}

.step-item p {
  color: var(--primary-navy);
  font-size: 1rem;
  line-height: 1.6;
  margin: 0;
}

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

.expect-cta-button {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: 1.25rem 2.5rem;
  border-radius: 12px;
  font-size: 1.1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 24px hsla(31, 53%, 64%, .3);
  transition: transform .3s ease, box-shadow .3s ease;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.expect-cta-button:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 32px hsla(31, 53%, 64%, .4);
}

.trust-header {
  text-align: center;
  margin-bottom: 4rem;
}

.trust-header h2 {
  font-size: 2.2rem;
  color: var(--primary-navy);
  margin-bottom: 1rem;
  font-weight: 700;
  line-height: 1.3;
  text-shadow: 0 2px 4px rgba(0, 0, 0, .1);
}

.trust-subtitle {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-style: normal;
  font-weight: 400;
  font-size: 20px;
  line-height: 36px;
  color: var(--text-gray);
  max-width: 700px;
  margin: 0 auto;
}

.trust-logos {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  margin-bottom: 3rem;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 2rem 1.5rem;
  background: hsla(0, 0%, 100%, .98);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  border: 1px solid hsla(31, 53%, 64%, .2);
  transition: transform .3s ease, box-shadow .3s ease;
}

.trust-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.trust-item-top {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.logo-container {
  width: 80px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
  border: 1px solid hsla(31, 53%, 64%, .1);
}

.logo-container img {
  max-width: 50px;
  max-height: 50px;
  object-fit: contain;
}

.logo-label {
  font-size: .9rem;
  color: var(--primary-navy);
  text-align: center;
  font-weight: 600;
}

.trust-statement {
  font-size: .85rem;
  color: var(--text-gray);
  line-height: 1.4;
  text-align: center;
  font-style: italic;
}

.trust-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 2rem;
  max-width: 600px;
  margin: 0 auto;
}

.stat-item {
  text-align: center;
  padding: 1rem;
}

.stat-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary-gold);
  text-align: center;
  margin-bottom: .5rem;
  line-height: 1;
}

.stat-label {
  font-size: .9rem;
  color: var(--primary-navy);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.faq-header {
  text-align: center;
  margin-bottom: 4rem;
}

.faq-subtitle {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-style: normal;
  font-weight: 400;
  font-size: 20px;
  line-height: 36px;
  color: hsla(0, 0%, 100%, .95);
  max-width: 700px;
  margin: 0 auto;
  text-shadow: 0 2px 8px rgba(0, 0, 0, .2);
}

.faq-accordion {
  max-width: 800px;
  margin: 0 auto 3rem;
}

.faq-item {
  background: #fff;
  border-radius: 12px;
  box-shadow: var(--shadow-md);
  border: 1px solid hsla(31, 53%, 64%, .1);
  margin-bottom: 1rem;
  overflow: hidden;
  transition: transform .2s ease, box-shadow .2s ease;
}

.faq-item:hover {
  transform: translateY(-2px);
}

.faq-item:hover {
  box-shadow: var(--shadow-lg);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 1rem 2rem;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--primary-navy);
  transition: background-color .3s ease;
}

.faq-question:hover {
  background: hsla(31, 53%, 64%, .02);
}

.question-text {
  flex: 1;
  text-align: left;
}

.faq-icon {
  font-size: 2.25rem;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-navy);
}

.faq-answer {
  line-height: 1.6;
  font-size: .95rem;
  max-height: 0;
  overflow: hidden;
  transition: max-height .6s ease, padding .6s ease;
  color: var(--primary-navy);
  padding: 0 2rem 0;
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding: 1rem 2rem 1.5rem;
  border-top: 1px solid var(--primary-navy);
}

.faq-disclaimer {
  font-size: .85rem;
  color: hsla(0, 0%, 100%, .7);
  font-style: italic;
  text-align: center;
  margin-top: 2rem;
  line-height: 1.4;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}


.final-cta-section .section-header {
  text-align: center;
  margin-bottom: 2rem;
}

.final-cta-section h2 {
  font-size: 2rem;
  color: var(--primary-navy);
  margin-bottom: 1.5rem;
  font-weight: 700;
  line-height: 1.2;
}

.faq-cta {
  text-align: center;
  padding: 1rem;
  background: #fff;
  border-radius: 1rem;
  box-shadow: var(--shadow-lg);
  max-width: 800px;
  margin: 0 auto 2rem;
}

.faq-cta-button {
  background: linear-gradient(135deg, var(--primary-gold), #e6c576 50%, var(--primary-gold));
  color: var(--primary-navy);
  border: none;
  padding: 1.25rem 2.5rem;
  border-radius: 12px;
  font-size: 1.1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 24px hsla(31, 53%, 64%, .3);
  transition: transform .3s ease, box-shadow .3s ease;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.faq-cta-button:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

/* ===================================================================
   FOOTER
   =================================================================== */

footer {
  background: var(--gradient-bg-dark);
  color: #fff;
  text-align: center;
  font-size: .9rem;
  padding: 2rem 0;
  position: relative;
  overflow: hidden;
}

.footer-content {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
}

.footer-disclaimer {
  margin-top: 2rem;
  text-align: center;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
}

.footer-disclaimer h3 {
  font-size: 1.1rem;
  margin-bottom: 1rem;
  font-weight: 600;
}

.footer-disclaimer p {
  font-size: .9rem;
  line-height: 1.4;
  margin-bottom: 1rem;
  color: var(--text-muted);
  opacity: 1;
}

footer:before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 100%;
  background: hsla(31, 53%, 64%, .02);
  pointer-events: none;
}

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

footer a:hover {
  text-decoration: underline;
}

/* ===================================================================
   THANK YOU PAGE STYLES
   =================================================================== */

.privacy-page,
.terms-page {
  background: var(--gradient-current);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  color: #2d3748;
}

.privacy-page .container,
.terms-page .container {
  max-width: 900px;
  margin: 0 auto;
  background: #fff;
  padding: 3rem;
  border-radius: 1rem;
  box-shadow: var(--shadow-xl);
  flex: 1;
}

.page-header {
  text-align: center;
  margin-bottom: 3rem;
  border-bottom: 2px solid var(--bg-light);
  padding-bottom: 2rem;
}

.page-title {
  font-size: 2rem;
  color: var(--primary-navy);
  margin-bottom: 1rem;
}

.privacy-section,
.terms-section {
  margin-bottom: 2.5rem;
}

.privacy-section h2,
.terms-section h2 {
  color: var(--primary-navy);
  font-size: 1.5rem;
  font-weight: 600;
  margin-bottom: 1rem;
  border-bottom: 1px solid var(--bg-light);
  padding-bottom: .5rem;
  text-align: left;
}

.privacy-section p,
.terms-section p {
  margin-bottom: 1rem;
  line-height: 1.6;
  color: #4a5568;
  text-align: left;
}

.privacy-section ul,
.terms-section ul {
  margin: 1rem 0;
  padding-left: 2rem;
}

.privacy-section li,
.terms-section li {
  margin-bottom: .5rem;
  color: #4a5568;
  line-height: 1.5;
}

.thank-you-redesign {
  margin: 0;
  padding: 0;
  font-family: var(--font-family-primary);
  font-size: 16px;
  line-height: 1.6;
  color: #2d3748;
  overflow-x: hidden;
}

.header-confirmation {
  background: var(--primary-navy);
  color: #fff;
  padding: 88px 0;
  position: relative;
  overflow: hidden;
}

.frank-speaker {
  display: flex;
  flex-direction: column;
  text-align: center;
  width: 400px;
  flex-shrink: 0;
}

.frank-logo {
  width: 360px;
  height: 360px;
  border-radius: 50%;
  border: 4px solid var(--primary-gold);
  padding: 12px;
  background: #fff;
  box-shadow: 0 12px 48px rgba(0, 0, 0, .3);
}

.frank-name {
  font-size: 27px;
  font-weight: 600;
  color: var(--primary-gold);
  margin-top: 1rem;
  font-family: var(--font-family-primary);
}

.brand-header {
  text-align: center;
  margin-bottom: 1rem;
  font-size: 56px;
  font-weight: 700;
  font-family: var(--font-family-primary);
}

.brand-the-frank {
  color: #fff;
}

.brand-plan {
  color: var(--primary-gold);
}

.conversation-content {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.speech-bubble {
  background: hsla(0, 0%, 100%, .95);
  color: #2d3748;
  padding: 2.5rem;
  border-radius: 24px;
  box-shadow: 0 16px 64px rgba(0, 0, 0, .2);
  position: relative;
  border: 2px solid hsla(31, 53%, 64%, .2);
}

.speech-bubble:before {
  content: "";
  position: absolute;
  left: -20px;
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-style: solid;
  border-width: 20px 20px 20px 0;
  border-color: transparent hsla(0, 0%, 100%, .95) transparent transparent;
}

.conversation-headline {
  font-size: 42px;
  line-height: 1.1;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 1rem;
}

.conversation-text {
  font-size: 18px;
  color: #2d3748;
  margin-bottom: 0;
  font-weight: 500;
}

.confirmation-badge-large {
  display: inline-flex;
  align-items: center;
  gap: 1rem;
  background: var(--primary-gold);
  border: 2px solid #e6b894;
  color: var(--primary-navy);
  padding: 1.25rem 2rem;
  border-radius: 16px;
  font-weight: 700;
  font-size: 18px;
  box-shadow: var(--shadow-md);
  transition: transform .3s ease, box-shadow .3s ease;
  margin-top: 2rem;
  cursor: pointer;
}

.confirmation-badge-large:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.check-icon {
  flex-shrink: 0;
}

.what-happens-next {
  background: #f7f8fa;
  padding: 80px 0;
}

.section-header {
  text-align: center;
  margin-bottom: 4rem;
}

.section-title {
  font-size: 38px;
  text-align: center;
  margin-bottom: 1rem;
  color: var(--primary-navy);
  font-family: var(--font-family-primary);
  font-weight: 700;
}

.section-subtitle {
  text-align: center;
  color: #6b7280;
  margin-bottom: 3rem;
  font-weight: 500;
}

.process-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

.process-card {
  background: #fff;
  padding: 2.5rem 2rem;
  border-radius: 16px;
  text-align: center;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(28, 44, 68, .1);
  transition: transform .4s ease, box-shadow .4s ease;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.process-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

.card-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  background: var(--gradient-primary);
  color: #fff;
  border-radius: 50%;
  margin: 0 auto 1.5rem;
}

.card-title {
  color: var(--primary-navy);
  margin-bottom: 1rem;
  font-size: 24px;
  font-family: var(--font-family-primary);
  font-weight: 700;
}

.card-description {
  color: #6b7280;
  font-size: 16px;
  line-height: 1.75;
}

.peace-of-mind {
  background: #fff;
  padding: 80px 0;
  content-visibility: auto;
  contain-intrinsic-size: 1000px;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3rem;
  margin-top: 3rem;
  max-width: 1140px;
  margin-left: auto;
  margin-right: auto;
  padding: 0 20px;
}

.feature-block {
  text-align: center;
  padding: 2rem 1rem;
  min-height: 250px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  transition: transform .3s ease;
}

.feature-block:hover {
  transform: translateY(-2px);
}

.feature-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, rgba(27, 54, 93, .1), hsla(31, 53%, 64%, .1));
  color: var(--primary-navy);
  border-radius: 50%;
  margin: 0 auto 1.5rem;
  border: 2px solid rgba(27, 54, 93, .2);
}

.feature-title {
  color: var(--primary-navy);
  margin-bottom: 1rem;
  font-size: 24px;
  font-family: var(--font-family-primary);
  font-weight: 700;
}

.feature-description {
  color: #6b7280;
  font-size: 16px;
  line-height: 1.75;
}

.planning-matters {
  background: rgba(74, 144, 226, .05);
  padding: 80px 0;
  content-visibility: auto;
  contain-intrinsic-size: 1000px;
}

.planning-content {
  display: flex;
  flex-direction: column;
  gap: 3rem;
  align-items: center;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

.fact-card {
  background: #fff;
  padding: 3rem;
  border-radius: 24px;
  box-shadow: var(--shadow-xl);
  border: 2px solid rgba(27, 54, 93, .1);
  transition: transform .3s ease, box-shadow .3s ease;
}

.fact-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 24px 80px rgba(27, 54, 93, .15);
}

.fact-headline {
  font-size: 36px;
  color: var(--primary-navy);
  margin-bottom: 1.5rem;
  text-align: center;
  font-family: var(--font-family-primary);
  font-weight: 700;
}

.fact-statement {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.stat-icon {
  font-size: 28px;
  flex-shrink: 0;
  margin-top: .25rem;
  color: var(--primary-navy);
}

.fact-text {
  font-size: 18px;
  color: #2d3748;
  line-height: 1.6;
  margin: 0;
}

.trust-facts {
  display: flex;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.trust-fact {
  display: flex;
  text-align: center;
  padding: 2rem 1.5rem;
  background: #fff;
  border-radius: 16px;
  border: 2px solid rgba(27, 54, 93, .1);
  transition: transform .4s ease, box-shadow .4s ease, border-color .4s ease;
  min-height: 140px;
  flex-direction: column;
  justify-content: center;
}

.trust-fact:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-gold);
}

.trust-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, rgba(27, 54, 93, .1), hsla(31, 53%, 64%, .1));
  border-radius: 50%;
  margin: 0 auto 1rem;
  color: var(--primary-navy);
}

.fact-number {
  font-family: var(--font-family-primary);
  font-size: 32px;
  font-weight: 700;
  margin-bottom: .5rem;
  color: var(--primary-navy);
}

.fact-label {
  font-size: 14px;
  color: #6b7280;
  font-weight: 500;
}

.planning-image-content {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
}

.closing-reassurance {
  background: #fff;
  padding: 80px 0;
}

.closing-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

.closing-text {
  text-align: left;
}

.closing-subtitle {
  color: #6b7280;
  max-width: 480px;
  font-weight: 500;
}

.community-image {
  width: 100%;
  height: 350px;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: var(--shadow-xl);
}

.faq-question:focus,
.form-input:focus,
.gender-button:focus,
.next-button:focus,
.option-button:focus {
  outline: none;
}

/* ===================================================================
   MEDIA QUERIES
   =================================================================== */

@media (min-width: 481px) {
  body {
    font-size: 19px;
    line-height: 1.75;
  }

  .footer-content {
    padding: 0 1.5rem;
  }

  .footer-disclaimer {
    text-align: left;
  }

  .footer-disclaimer h3 {
    font-size: 1rem;
    margin-bottom: .75rem;
  }

  .footer-disclaimer p {
    font-size: .8rem;
    line-height: 1.4;
    margin-bottom: .75rem;
    opacity: .9;
  }

  .primary-headline {
    font-size: 2.5rem;
    font-weight: 400;
    padding-top: 3rem;
    padding-bottom: 1rem;
  }

  h1 {
    font-size: 2.25rem;
    padding: 2rem 0;
    margin-bottom: 2rem;
  }

  h2 {
    font-size: 2.25rem;
    line-height: 1.15;
  }

  h3 {
    font-size: 2.125rem;
  }

  .primary-cta {
    padding: 1.25rem;
    min-height: 52px;
    font-size: 1.2rem;
    border-radius: 14px;
    max-width: 360px;
  }

  .form-input {
    padding: 1.125rem;
    font-size: 1.125rem;
    min-height: 52px;
  }

  .next-button {
    padding: 1.5rem;
    font-size: 1.15rem;
    min-height: 52px;
  }

  .quote-card {
    padding: 1rem;
    border-radius: 1.125rem;
    max-width: 480px;
    margin: 0 auto;
  }
}

@media (min-width: 769px) {
  body {
    font-size: 20px;
    line-height: 1.8;
  }

  .footer-content {
    padding: 0 2rem;
  }

  .primary-headline {
    font-size: 4.5rem;
    font-weight: 200;
    line-height: 1.1;
    padding-top: 6rem;
  }

  h1 {
    font-size: 2.8rem;
    font-weight: 400;
    padding: 2.5rem 0;
    margin-bottom: 2.5rem;
  }

  h2 {
    font-size: 3.5rem;
    font-weight: 400;
    line-height: 1.2;
  }

  h3 {
    font-size: 2rem;
  }

  .primary-cta {
    padding: 1rem 4rem;
    min-height: 56px;
    border-radius: 16px;
    font-size: 1.4rem;
    font-weight: 800;
    box-shadow: var(--shadow-md);
    min-width: 320px;
    max-width: none;
    width: auto;
  }

  .form-input {
    min-height: 56px;
  }

  .next-button {
    padding: 1.75rem;
    font-size: 1.2rem;
    min-height: 56px;
  }

  .quote-card {
    padding: 2rem;
    border-radius: 1.25rem;
    max-width: 600px;
  }
}

@media (max-width: 1024px) {
  .container {
    padding: 0 1.5rem;
  }

  .hero-content {
    gap: 1.5rem;
  }
}

@media (max-width: 768px) {
  .header-cta,
  .sticky-header {
    display: none;
  }

  body {
    font-size: 18px;
    padding-bottom: 80px;
    background: var(--gradient-bg-dark);
  }

  .container {
    padding: 0 1rem;
  }

  .hero-section {
    padding: 0 0 4rem 0;
    min-height: 80vh;
  }

  .hero-center,
  .hero-content {
    max-width: 100%;
  }

  .hero-center {
    padding: 0 1rem;
  }

  .hero-headlines {
    margin-bottom: 1rem;
    max-width: 100%;
    padding: 0 .5rem;
  }

  .primary-headline {
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-style: normal;
    font-weight: 600;
    font-size: 46px;
    line-height: 46px;
    padding-top: 1rem;
    margin-bottom: 1rem;
    text-shadow: none; /* crisper text on mobile */
  }

  .benefit-list li {
    padding: .4rem .8rem;
    font-size: 1rem;
    line-height: 1.3;
  }

  .benefit-list li:before {
    left: -1.5rem;
    font-size: 1rem;
  }

  h1 {
    line-height: 1.2;
    padding: 1.5rem 0;
    margin-bottom: 1.5rem;
    font-size: 36px;
    font-weight: 400;
  }

  h2 {
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-style: normal;
    font-weight: 400;
    font-size: 36px;
    line-height: 43px;
  }

  h3 {
    font-size: 22px;
    line-height: 1.3;
    font-weight: 600;
  }

  .subtitle {
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-style: normal;
    font-weight: 400;
    font-size: 20px;
    line-height: 36px;
    margin-bottom: 2.5rem;
    max-width: 100%;
  }

  .all-trust-badges {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 1.5rem;
    margin-bottom: 1.5rem;
    padding: 1rem;
  }

  .trust-badge {
    width: 140px;
    font-size: .85rem;
    padding: .75rem 1rem;
    height: 48px;
    justify-content: center;
    text-align: center;
  }

  .trust-badge .icon {
    width: 24px;
    height: 24px;
  }

  .badge-content {
    align-items: center;
    text-align: center;
  }

  .badge-rating {
    font-size: .9rem;
    font-weight: 700;
  }

  .badge-label {
    font-size: .75rem;
    font-weight: 500;
    white-space: nowrap;
  }

  .cta-container {
    margin: 3rem 0 2rem;
  }

  .primary-cta {
    padding: 1.25rem 2.5rem;
    font-size: 1.5rem;
    min-width: 280px;
    width: 100%;
    max-width: 320px;
  }

  .cta-reassurance {
    font-size: 1rem;
    line-height: 1.3;
  }

  .quiz-section {
    padding: 3rem 0;
  }


  .quiz-content {
    gap: 1.5rem;
  }

  .all-trust-badges {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: .75rem;
    padding: .75rem;
    justify-items: center;
  }

  .trust-badge {
    padding: .6rem .8rem;
  }

  .badge-rating {
    font-size: .85rem;
  }

  .badge-label,
  .brand-name {
    font-size: .7rem;
  }

  .social-proof {
    font-size: .9rem;
    margin-top: .5rem;
  }

  .meet-frank-card {
    padding: 1rem;
    margin: 0;
  }

  .frank-intro {
    flex-direction: column;
    text-align: center;
    gap: 1.5rem;
  }

  .frank-portrait {
    width: 100px;
    height: 100px;
    margin: 0 auto;
  }

  .frank-bio h3 {
    font-size: 1.5rem;
  }

  .frank-description {
    font-size: 1rem;
    padding-left: .75rem;
  }

  .frank-credentials {
    justify-content: center;
    gap: .5rem;
  }

  .credential {
    font-size: .75rem;
    padding: .4rem .8rem;
  }

  h1 {
    font-size: 2.2rem;
    line-height: 1.1;
    padding: 1rem 0;
    margin-bottom: .75rem;
    text-align: center;
  }

  .subtitle {
    margin-bottom: .75rem;
    text-align: center;
    font-size: 20px;
    line-height: 36px;
  }

  .trust-badge {
    padding: .5rem .75rem;
    font-size: .8rem;
    min-width: 120px;
  }

  .quote-card {
    padding: 1.5rem;
    max-width: 100%;
  }

  .cost-scenarios-grid {
    flex-direction: column;
    gap: 1.5rem;
  }

  .cost-card {
    width: 100%;
  }

  .cost-card-title {
    font-size: 1.2rem;
    padding: 1rem;
  }

  .cost-table-header .cost-table-item,
  .cost-table-header .cost-table-range {
    padding: .6rem .8rem;
    font-size: .8rem;
  }

  .cost-table-label,
  .cost-table-value {
    padding: .6rem .8rem;
    font-size: .85rem;
  }

  .cost-summary {
    font-size: .85rem;
    padding: 0 1rem;
  }

  .expect-steps,
  .why-matters-cards {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .trust-logos {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .features-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
  }

  .process-cards {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .section-title {
    font-size: 28px;
  }


  .header-content {
    flex-direction: column;
    gap: 2rem;
    text-align: center;
  }

  .frank-logo {
    width: 240px;
    height: 240px;
  }

  .brand-header {
    font-size: 36px;
  }

  .conversation-headline {
    font-size: 32px;
  }

  .speech-bubble {
    padding: 2rem;
  }

  .speech-bubble:before {
    display: none;
  }

  .closing-content {
    grid-template-columns: 1fr;
    gap: 3rem;
    text-align: center;
  }

  .fact-headline {
    font-size: 28px;
  }

  .privacy-page .container,
  .terms-page .container {
    padding: 1.5rem;
  }

  /* Hide SSL Secure trust badges on mobile */
  .trust-badge[data-lazy-svg="lock"] {
    display: none;
  }

  /* Mobile hero header */
  .mobile-hero-header {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
    padding-top: 0.5rem;
  }

  .mobile-hero-logo {
    height: 43px;
    width: auto;
    border-radius: 50%;
    border: 2px solid var(--primary-gold);
    padding: 2px;
    background: #fff;
  }

  .mobile-hero-brand {
    font-family: var(--font-family-primary);
    font-size: 1.46rem;
    font-weight: 600;
    color: var(--primary-navy);
  }

  .brand-gold {
    color: var(--primary-gold);
  }
}
@media (max-width: 480px) {
  body {
    font-size: 16px;
  }

  .container {
    padding: 0 1rem;
  }

  .quote-card {
    max-width: 360px;
    margin-inline: auto;
  }

  .hero-headlines {
    margin-bottom: 1rem;
    padding: 0 .25rem;
  }

  .primary-headline {
   font-size: 30px; /* was 44px */
   line-height: 38px; /* was 60px */
   padding: 1.5rem 0 .25rem 0;
   margin-bottom: .5rem;
  }

  /* OTP container styles */
  .otp-container {
    padding: 1rem;
  }

  .otp-instruction-title {
    font-size: 1.1rem;
    gap: .25rem;
  }

  .otp-inputs {
    gap: .5rem;
  }

  .otp-digit {
    width: 2.5rem;
    height: 3rem;
    font-size: 1.1rem;
  }

  .otp-button {
    padding: .875rem;
    font-size: .95rem;
    min-height: 44px;
  }

  .phone-reassurance {
    font-size: .7rem;
  }
}

@media (max-width: 360px) {
  .primary-headline {
    font-size: 26px;
    line-height: 32px;
    padding: 1rem 0 .25rem 0;
    margin-bottom: .25rem;
  }

  .benefit-list li {
    font-size: .85rem;
    line-height: 1.2;
    padding: .25rem .5rem;
  }

  .benefit-list li:before {
    left: -1rem;
    font-size: .85rem;
  }

  h1 {
    font-size: 30px;
    line-height: 1.2;
    padding: .75rem 0;
    margin-bottom: 1rem;
  }

  h2 {
    font-family: var(--font-family-primary);
    font-weight: 400;
    font-size: 28px;
    line-height: 34px;
  }

  h3 {
    font-size: 20px;
    line-height: 1.3;
    font-weight: 600;
  }

  .subtitle {
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-style: normal;
    font-weight: 400;
    font-size: 20px;
    line-height: 36px;
    margin-bottom: 1.5rem;
  }

  .primary-cta {
    padding: 1rem;
    font-size: 1.5rem;
    max-width: 280px;
  }

  .cta-container {
    margin: 2rem 0 1rem;
  }

  .trust-badge {
    padding: .4rem .6rem;
    font-size: .75rem;
    min-width: 100px;
    min-height: 44px;
  }

  .quote-card {
    padding: 1.25rem;
    margin: 0 .5rem;
  }

  .gender-button,
  .next-button,
  .option-button {
    min-height: 44px;
    padding: .75rem 1rem;
    font-size: .9rem;
  }

  .form-input {
    min-height: 44px;
    font-size: 16px;
    padding: .75rem;
  }

  .section-title {
    font-size: 24px;
  }

  .section-dark h2 {
    font-size: 1.8rem;
  }

  .frank-logo {
    width: 200px;
    height: 200px;
  }

  .brand-header {
    font-size: 28px;
  }

  .conversation-headline {
    font-size: 24px;
  }

  .speech-bubble {
    padding: 1.5rem;
  }

  .process-card {
    padding: 1.5rem 1rem;
    min-height: 220px;
  }
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto !important; }
  *{ animation-duration:.01ms !important; transition-duration:.01ms !important; }
  [data-animation]{ opacity:1 !important; transform:none !important; transition:none !important; }
  .primary-cta{ animation:none !important; }
  .mobile-sticky-cta{ transition:none !important; }
}

@media (prefers-contrast: high) {
  .fact-card,
  .process-card,
  .speech-bubble,
  .trust-fact {
    border-width: 3px;
  }

  .otp-button,
  .otp-input {
    border-width: 3px;
  }
}

/* === CANONICAL ANIMATION FRAMEWORK (keep one copy only) === */
[data-animation]{
  opacity:0;
  transform:translateY(20px);
  transition:opacity .4s ease-out, transform .4s ease-out;
  will-change:opacity,transform;
}
[data-animation].animate{ opacity:1; transform:translateY(0); }

/* Variants */
[data-animation="slide-in-left"]  { transform:translateX(-20px); }
[data-animation="slide-in-right"] { transform:translateX(20px); }
[data-animation="scale-in"]       { transform:scale(1.05); }
[data-animation].animate[data-animation="slide-in-left"],
[data-animation].animate[data-animation="slide-in-right"],
[data-animation].animate[data-animation="scale-in"]{ transform:none; }

/* Aliases to match existing HTML tokens */
[data-animation="slide-from-left"]{ transform:translateX(-20px); }
[data-animation].animate[data-animation="slide-from-left"]{ transform:none; }
[data-animation="fade-up"]{ transform:translateY(20px); }
[data-animation].animate[data-animation="fade-up"]{ transform:none; opacity:1; }

@media print {
  .closing-reassurance,
  .header-confirmation,
  .peace-of-mind,
  .planning-matters,
  .what-happens-next {
    width: 100%;
    position: static;
    margin: 0;
  }

  .speech-bubble:before {
    display: none;
  }
}

.otp-container [hidden] {
  display: none !important;
}

.otp-error-message {
  text-align: center;
  color: var(--error-red);
  font-size: .9rem;
  margin-top: .5rem;
}

/* Compact labels for contact step on mobile */
@media (max-width: 480px) {
  .contact-step--compact .subtitle {
    margin-bottom: 0.5rem; /* down from up to 2.5rem */
    line-height: 1.2;
  }
  .contact-step--compact .form-input {
    margin-top: 0.25rem;
  }
}

@media (max-width: 768px) {
  .contact-step--compact .subtitle {
    margin: 0.25rem 0 0.25rem;
    font-size: .85rem;
  }
  .contact-step--compact .form-input {
    margin-top: 0.25rem;
    margin-bottom: 0.5rem;
    min-height: 44px; /* keep tap target size */
  }
}