/* ============================================================
   MATT LEWER INSURANCE - REDESIGN
   One consolidated stylesheet. Design language:
   editorial adviser, warm neutral base, deep green accent.
   ============================================================ */

/* ── TOKENS ── */
:root {
  /* surfaces */
  --page:        #f5f4ef;
  --surface:     #fdfdfb;
  --surface-alt: #ebe9e1;
  --surface-deep:#e2e0d6;

  /* ink */
  --ink:         #1c231e;
  --ink-soft:    #3d453e;
  --muted:       #6a7168;
  --faint:       #9aa096;

  /* accent - one green, used everywhere */
  --green:       #154231;
  --green-deep:  #0e3123;
  --green-tint:  #e4ece7;
  --green-mist:  #eef3f0;

  /* lines */
  --line:        #dcdad0;
  --line-soft:   #e6e4db;

  /* type */
  --font-display: 'Lora', Georgia, serif;
  --font-body:    'Outfit', system-ui, sans-serif;

  /* radius - one scale, consistent */
  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;
  --r-xl: 24px;

  /* elevation - tinted, never black */
  --shadow-card: 0 1px 2px rgba(28, 35, 30, 0.05), 0 16px 48px -12px rgba(21, 66, 49, 0.14);
  --shadow-lift: 0 2px 4px rgba(28, 35, 30, 0.06), 0 24px 64px -16px rgba(21, 66, 49, 0.22);

  /* slider track */
  --track: #e0ded4;

  /* layout */
  --wrap: 1160px;
  --nav-h: 68px;
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-h) + 16px);
}
body {
  font-family: var(--font-body);
  background: var(--page);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.6;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a, button, input { -webkit-tap-highlight-color: transparent; }

/* subtle grain to break flatness */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  z-index: 2000;
  pointer-events: none;
  opacity: 0.028;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 160 160' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.8' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.5'/%3E%3C/svg%3E");
}

/* focus */
:focus-visible {
  outline: 2.5px solid var(--green);
  outline-offset: 3px;
  border-radius: 2px;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 3000;
  transform: translateY(-200%);
  background: var(--ink);
  color: var(--page);
  padding: 10px 16px;
  border-radius: var(--r-sm);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
}
.skip-link:focus { transform: none; }

/* ── SHARED ── */
.wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 28px;
}

.section-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(34px, 4.4vw, 52px);
  line-height: 1.06;
  letter-spacing: -0.015em;
  color: var(--ink);
  text-wrap: balance;
}

/* ============================================================
   NAV
   ============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: color-mix(in srgb, var(--page) 88%, transparent);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border-bottom: 1px solid var(--line-soft);
}
.nav-inner {
  max-width: var(--wrap);
  height: 100%;
  margin: 0 auto;
  padding: 0 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  text-decoration: none;
}
.nav-right { display: flex; align-items: center; gap: 20px; }
.nav-phone {
  font-size: 14.5px;
  font-weight: 500;
  color: var(--ink-soft);
  text-decoration: none;
  letter-spacing: -0.01em;
  transition: color 0.15s;
}
.nav-phone:hover { color: var(--green); }
.nav-phone-icon {
  display: none;
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid var(--line);
  align-items: center;
  justify-content: center;
  color: var(--ink-soft);
}
.nav-cta {
  background: var(--green);
  color: var(--page);
  font-size: 14px;
  font-weight: 500;
  padding: 10px 20px;
  border-radius: 999px;
  text-decoration: none;
  letter-spacing: -0.01em;
  transition: background 0.18s ease, transform 0.18s cubic-bezier(.16,1,.3,1);
  white-space: nowrap;
}
.nav-cta:hover { background: var(--green-deep); transform: translateY(-1px); }
.nav-cta:active { transform: translateY(0) scale(0.98); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  padding-top: var(--nav-h);
  background:
    radial-gradient(ellipse 60% 45% at 85% -5%, rgba(21, 66, 49, 0.07), transparent 65%),
    var(--page);
  display: flex;
  flex-direction: column;
}
.hero-inner {
  max-width: var(--wrap);
  width: 100%;
  margin: 0 auto;
  padding: clamp(40px, 6vh, 72px) 28px clamp(48px, 6vh, 72px);
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(400px, 0.95fr);
  gap: clamp(40px, 5.5vw, 80px);
  align-items: center;
}

/* left column */
.hero-copy { min-width: 0; }

.hero-kicker {
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 22px;
}

.hero h1 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(42px, 4.9vw, 64px);
  line-height: 1.04;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-bottom: 20px;
  text-wrap: balance;
}
.hero h1 em {
  font-style: italic;
  font-weight: 400;
  color: var(--green);
}

.hero-sub {
  font-size: 17px;
  line-height: 1.6;
  color: var(--muted);
  max-width: 46ch;
  margin-bottom: 30px;
  text-wrap: pretty;
}

/* adviser headshot + rating */
.hero-adviser {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 30px;
}
.hero-adviser-photo {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  object-fit: cover;
  object-position: 50% 18%;
  flex-shrink: 0;
  border: 2px solid var(--surface);
  box-shadow: 0 0 0 1px var(--line);
}
.hero-adviser-meta { display: flex; flex-direction: column; gap: 2px; }
.hero-adviser-name {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.hero-adviser-role { font-size: 13px; color: var(--muted); }
.hero-adviser-rating { font-size: 13px; color: var(--ink-soft); margin-top: 3px; }
.hero-adviser-stars { color: var(--green); letter-spacing: 1px; margin-right: 2px; }

/* proof row */
.hero-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  list-style: none;
}
.hero-proof li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-soft);
}
.hero-proof svg { color: var(--green); flex-shrink: 0; }

/* insurer strip below hero fold */
.hero-strip {
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  background: var(--surface);
}
.hero-strip-inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 18px 28px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.hero-strip-label {
  font-size: 11.5px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--faint);
  white-space: nowrap;
}
.insurer-tags { display: flex; flex-wrap: wrap; gap: 6px 22px; }
.insurer-tag {
  font-family: var(--font-display);
  font-size: 16.5px;
  font-weight: 500;
  color: var(--faint);
  letter-spacing: -0.01em;
  transition: color 0.2s;
}
.insurer-tag:hover { color: var(--ink-soft); }

/* ============================================================
   QUIZ CARD
   ============================================================ */
.quiz-wrap { width: 100%; }

.quiz-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lift);
  overflow: hidden;
}

.quiz-header {
  padding: 26px 28px 20px;
  border-bottom: 1px solid var(--line-soft);
}
.quiz-header-tag {
  font-size: 12.5px;
  font-weight: 500;
  color: var(--green);
  margin-bottom: 6px;
}
.quiz-header h2 {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--ink);
}

/* progress */
.quiz-progress { padding: 14px 28px 16px; border-bottom: 1px solid var(--line-soft); }
.progress-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
  min-height: 20px;
}
.progress-back {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 12.5px;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  padding: 2px 4px 2px 0;
  visibility: hidden;
  transition: color 0.15s;
}
.progress-back:hover { color: var(--green); }
.progress-label { font-size: 12.5px; color: var(--faint); }
.progress-track {
  height: 3px;
  background: var(--track);
  border-radius: 3px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  width: 9%;
  background: var(--green);
  border-radius: 3px;
  transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

/* screens */
.quiz-body { padding: 26px 28px 28px; min-height: 300px; }
.quiz-screen { display: none; animation: qIn 0.3s cubic-bezier(.16,1,.3,1) both; }
.quiz-screen.active { display: block; }
@keyframes qIn {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: none; }
}

.quiz-q {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin-bottom: 6px;
}
.quiz-hint { font-size: 13.5px; color: var(--muted); margin-bottom: 20px; line-height: 1.5; }

/* option buttons */
.quiz-opts { display: flex; flex-direction: column; gap: 8px; }
.q-btn {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 14px 16px;
  font-family: var(--font-body);
  font-size: 14.5px;
  font-weight: 500;
  color: var(--ink);
  text-align: left;
  cursor: pointer;
  transition: border-color 0.16s ease, background 0.16s ease, transform 0.16s cubic-bezier(.16,1,.3,1);
}
.q-btn:hover {
  border-color: var(--green);
  background: var(--green-mist);
  transform: translateX(3px);
}
.q-btn:active { transform: translateX(1px) scale(0.99); }
.q-btn-text { flex: 1; }
.q-btn-sub {
  display: block;
  font-size: 12px;
  font-weight: 400;
  color: var(--muted);
  margin-top: 2px;
  transition: color 0.16s;
}
.q-btn:hover .q-btn-sub { color: var(--green); }
.q-arr { color: var(--faint); font-size: 15px; transition: color 0.16s, transform 0.16s; }
.q-btn:hover .q-arr { color: var(--green); transform: translateX(2px); }

.quiz-opts.yesno { flex-direction: row; gap: 10px; }
.quiz-opts.yesno .q-btn { justify-content: center; text-align: center; font-size: 15.5px; padding: 16px; }
.quiz-opts.yesno .q-btn:hover { transform: translateY(-2px); }

/* sliders */
.q-slider-val {
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 600;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 6px 0 2px;
  font-variant-numeric: tabular-nums;
}
.q-slider-val span { font-family: var(--font-body); font-size: 15px; font-weight: 400; color: var(--muted); }

input[type=range] {
  width: 100%;
  height: 4px;
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  background: var(--track);
  margin: 18px 0 10px;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--surface);
  border: 2.5px solid var(--green);
  box-shadow: 0 2px 8px rgba(21, 66, 49, 0.25);
  cursor: grab;
  transition: transform 0.15s;
}
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type=range]::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.05); }
input[type=range]::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--surface);
  border: 2.5px solid var(--green);
  box-shadow: 0 2px 8px rgba(21, 66, 49, 0.25);
  cursor: grab;
}
.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11.5px;
  color: var(--faint);
  margin-bottom: 20px;
  font-variant-numeric: tabular-nums;
}

/* primary next button */
.q-next {
  width: 100%;
  background: var(--green);
  color: var(--page);
  border: none;
  border-radius: var(--r-md);
  padding: 15px;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  letter-spacing: -0.01em;
  cursor: pointer;
  transition: background 0.18s ease, transform 0.18s cubic-bezier(.16,1,.3,1);
}
.q-next:hover { background: var(--green-deep); }
.q-next:active { transform: scale(0.985); }
.q-next:disabled { cursor: wait; opacity: 0.7; }

/* form fields */
.q-field { margin-bottom: 12px; }
.q-field label {
  display: block;
  font-size: 12.5px;
  font-weight: 500;
  color: var(--ink-soft);
  margin-bottom: 6px;
}
.q-field input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  background: var(--surface);
  outline: none;
  transition: border-color 0.16s, box-shadow 0.16s;
}
.q-field input::placeholder { color: var(--faint); }
.q-field input:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--green) 14%, transparent);
}
.q-field input.q-field-error { border-color: #b3402e; }
.q-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }

.q-errors {
  display: none;
  background: #faf0ee;
  border: 1px solid #ecd3cf;
  color: #93321f;
  font-size: 13px;
  padding: 10px 14px;
  border-radius: var(--r-sm);
  margin: 4px 0 10px;
}
.q-errors.visible { display: block; }

.q-lock {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 12px;
  color: var(--faint);
  margin-top: 12px;
}

/* success */
.quiz-success { text-align: center; padding: 6px 0; }
.success-ring {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--green-tint);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.quiz-success h3 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}
.quiz-success p { font-size: 14px; color: var(--muted); line-height: 1.6; margin-bottom: 20px; }
.success-steps { background: var(--green-mist); border-radius: var(--r-md); padding: 18px; text-align: left; }
.success-step { display: flex; align-items: flex-start; gap: 12px; font-size: 13.5px; color: var(--ink-soft); margin-bottom: 11px; }
.success-step:last-child { margin-bottom: 0; }
.s-num {
  width: 20px; height: 20px;
  background: var(--green);
  color: var(--page);
  border-radius: 50%;
  font-size: 10.5px;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================================
   PROCESS
   ============================================================ */
.process { padding: clamp(88px, 12vh, 132px) 0; }
.process .section-title { margin-bottom: clamp(40px, 6vh, 60px); }

.process-grid {
  display: grid;
  grid-template-columns: 1fr 1.35fr 1fr;
  gap: 16px;
  align-items: stretch;
}
.process-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 32px 30px;
  display: flex;
  flex-direction: column;
}
.process-num {
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 500;
  color: var(--green);
  font-variant-numeric: tabular-nums;
  margin-bottom: auto;
  display: block;
}
.process-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 56px 0 10px;
}
.process-card p { font-size: 14.5px; line-height: 1.65; color: var(--muted); }

.process-card--feature {
  background: var(--green);
  border-color: var(--green);
  padding: 0;
  overflow: hidden;
}
.process-card--feature .process-num { color: rgba(245, 244, 239, 0.6); padding: 32px 30px 0; }
.process-card--feature h3 { color: var(--page); padding: 0 30px; margin-top: 40px; }
.process-card--feature p { color: rgba(245, 244, 239, 0.75); padding: 0 30px 28px; }
.process-img {
  width: 100%;
  height: 210px;
  object-fit: cover;
  margin-top: auto;
}

/* ============================================================
   COVER TYPES
   ============================================================ */
.covers {
  background: var(--surface-alt);
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  padding: clamp(88px, 12vh, 132px) 0;
}
.covers-head { max-width: 620px; margin-bottom: clamp(40px, 6vh, 60px); }
.section-sub { font-size: 16.5px; line-height: 1.6; color: var(--muted); margin-top: 16px; text-wrap: pretty; }

.covers-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.cover-item {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 24px 26px;
  transition: border-color 0.18s ease, transform 0.18s cubic-bezier(.16,1,.3,1);
}
.cover-item:hover { border-color: var(--green); transform: translateY(-2px); }
.cover-item-main h3 {
  font-family: var(--font-display);
  font-size: 18.5px;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin-bottom: 6px;
}
.cover-item-main p { font-size: 13.5px; line-height: 1.6; color: var(--muted); max-width: 44ch; }
.cover-tag {
  flex-shrink: 0;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--green);
  background: var(--green-tint);
  padding: 5px 11px;
  border-radius: 999px;
  margin-top: 3px;
  white-space: nowrap;
}

.cover-item--cta {
  background: var(--green);
  border-color: var(--green);
  text-decoration: none;
  cursor: pointer;
}
.cover-item--cta:hover { background: var(--green-deep); border-color: var(--green-deep); }
.cover-item--cta h3 { color: var(--page); }
.cover-item--cta p { color: rgba(245, 244, 239, 0.75); }
.cover-cta-link {
  flex-shrink: 0;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--page);
  white-space: nowrap;
  margin-top: 4px;
  transition: transform 0.18s;
}
.cover-item--cta:hover .cover-cta-link { transform: translateX(3px); }

/* ============================================================
   REVIEWS
   ============================================================ */
.reviews { padding: clamp(88px, 12vh, 132px) 0; }
.reviews-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: clamp(40px, 6vh, 60px);
}
.reviews-summary { display: flex; flex-direction: column; gap: 4px; padding-bottom: 6px; text-align: right; }
.reviews-stars { color: var(--green); font-size: 15px; letter-spacing: 3px; }
.reviews-score { font-size: 13.5px; color: var(--muted); }

.reviews-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 16px;
  align-items: stretch;
}
.review-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 28px;
}
.review-text {
  font-size: 15px;
  line-height: 1.65;
  color: var(--ink-soft);
  text-wrap: pretty;
}
.review-card--feature { background: var(--surface); }
.review-card--feature .review-text {
  font-family: var(--font-display);
  font-size: clamp(20px, 2vw, 24px);
  font-weight: 500;
  line-height: 1.4;
  letter-spacing: -0.015em;
  color: var(--ink);
}
.review-author { display: flex; align-items: center; gap: 12px; }
.review-av {
  width: 40px; height: 40px;
  border-radius: var(--r-sm);
  background: var(--green-tint);
  color: var(--green);
  font-size: 13px;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.review-name { display: block; font-size: 14px; font-weight: 600; color: var(--ink); }
.review-detail { display: block; font-size: 12.5px; color: var(--faint); }

/* ============================================================
   FINAL CTA
   ============================================================ */
.final-cta { padding: clamp(8px, 2vh, 24px) 0 clamp(72px, 9vh, 110px); }
.final-cta-inner {
  background: var(--green);
  border-radius: var(--r-xl);
  padding: clamp(56px, 8vh, 84px) 28px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta-inner::before {
  content: '';
  position: absolute;
  top: -40%;
  left: 50%;
  transform: translateX(-50%);
  width: 700px;
  height: 700px;
  border-radius: 50%;
  border: 1px solid rgba(245, 244, 239, 0.1);
  pointer-events: none;
}
.final-cta-inner h2 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(30px, 4vw, 44px);
  letter-spacing: -0.015em;
  color: var(--page);
  margin-bottom: 14px;
  position: relative;
  text-wrap: balance;
}
.final-cta-inner p {
  font-size: 16.5px;
  color: rgba(245, 244, 239, 0.75);
  max-width: 440px;
  margin: 0 auto 34px;
  line-height: 1.6;
  position: relative;
}
.final-btn {
  display: inline-block;
  background: var(--page);
  color: var(--green);
  font-size: 15.5px;
  font-weight: 600;
  padding: 16px 36px;
  border-radius: 999px;
  text-decoration: none;
  letter-spacing: -0.01em;
  position: relative;
  transition: background 0.18s ease, transform 0.18s cubic-bezier(.16,1,.3,1);
}
.final-btn:hover { background: #ffffff; transform: translateY(-2px); }
.final-btn:active { transform: translateY(0) scale(0.98); }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  border-top: 1px solid var(--line-soft);
  padding: 40px 0;
  background: var(--page);
}
.footer-inner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 40px;
}
.footer-logo {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 10px;
}
.footer-legal { font-size: 12.5px; color: var(--faint); line-height: 1.7; max-width: 560px; }
.footer-links { display: flex; gap: 22px; flex-shrink: 0; }
.footer-links a {
  font-size: 13px;
  color: var(--muted);
  text-decoration: none;
  white-space: nowrap;
  transition: color 0.15s;
}
.footer-links a:hover { color: var(--green); }

/* ============================================================
   ENTRY MOTION
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  .hero-kicker,
  .hero h1,
  .hero-sub,
  .hero-adviser,
  .hero-proof,
  .quiz-card {
    animation: rise 0.8s cubic-bezier(.16, 1, .3, 1) both;
  }
  .hero h1      { animation-delay: 70ms; }
  .hero-sub     { animation-delay: 140ms; }
  .hero-adviser { animation-delay: 200ms; }
  .hero-proof   { animation-delay: 260ms; }
  .quiz-card    { animation-delay: 160ms; }
}
@keyframes rise {
  from { opacity: 0; transform: translateY(18px); }
  to   { opacity: 1; transform: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1080px) {
  .process-grid { grid-template-columns: 1fr 1fr; }
  .process-card--feature { grid-column: 1 / -1; order: -1; }
  .reviews-grid { grid-template-columns: 1fr 1fr; }
  .review-card--feature { grid-column: 1 / -1; }
}

@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: 1fr;
    max-width: 600px;
    gap: 40px;
    padding-top: 40px;
  }
  .quiz-wrap { max-width: 560px; }
  .covers-list { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .wrap { padding: 0 20px; }
  .nav-inner { padding: 0 20px; }
  .nav-phone-full { display: none; }
  .nav-phone-icon { display: flex; }
  .nav-right { gap: 12px; }
  .nav-cta { font-size: 13px; padding: 9px 16px; }

  .hero-inner { padding: 32px 20px 44px; }
  .hero h1 { font-size: clamp(38px, 10.5vw, 46px); }
  .hero-sub { font-size: 16px; margin-bottom: 22px; }
  .hero-adviser { margin-bottom: 24px; }
  .hero-proof { gap: 8px 18px; }
  .hero-proof li { font-size: 13px; }

  .hero-strip-inner { padding: 16px 20px; gap: 14px; }
  .insurer-tags { gap: 6px 16px; }
  .insurer-tag { font-size: 15px; }

  .quiz-header, .quiz-body { padding-left: 22px; padding-right: 22px; }
  .quiz-progress { padding-left: 22px; padding-right: 22px; }
  .quiz-body { min-height: 0; }

  .process, .covers, .reviews { padding: 72px 0; }
  .process-grid, .reviews-grid { grid-template-columns: 1fr; }
  .process-card h3 { margin-top: 40px; }
  .process-card--feature h3 { margin-top: 32px; }

  .cover-item { flex-direction: column; gap: 14px; }
  .cover-tag { margin-top: 0; }

  .reviews-head { flex-direction: column; align-items: flex-start; gap: 14px; }
  .reviews-summary { text-align: left; }

  .final-cta { padding-bottom: 56px; }
  .footer-inner { flex-direction: column; gap: 24px; }
  .footer-links { flex-wrap: wrap; }
}

@media (max-width: 400px) {
  .nav-phone-icon { display: none; }
  .q-row { grid-template-columns: 1fr; }
  .quiz-opts.yesno { flex-direction: column; }
}