/* ================================================================
   LIFE INSURANCE MADE SIMPLE WITH JAYR — STYLES
   EDIT: Change the brand colors in :root. Most of the design updates
   automatically when these values change.
   ================================================================ */
:root {
  --green: #103f3a;
  --green-deep: #092f2d;
  --green-soft: #dff4e9;
  --accent: #a8ed84;
  --accent-bright: #bbf397;
  --orange: #f27622;
  --cream: #faf8f3;
  --paper: #fffdf9;
  --white: #ffffff;
  --ink: #102827;
  --muted: #637573;
  --line: #dce6e1;
  --shadow: 0 25px 70px rgba(9,47,45,.13);
  --radius-lg: 36px;
  --radius-md: 24px;
  --container: 1200px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; overflow-x: hidden; color: var(--ink); background: var(--paper); font-family: "DM Sans", sans-serif; font-size: 16px; line-height: 1.65; }
body.menu-open { overflow: hidden; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--green); font-family: "Manrope", sans-serif; line-height: 1.04; letter-spacing: -.055em; }
h1 { font-size: clamp(4rem, 8.5vw, 8rem); }
h2 { font-size: clamp(2.45rem, 5vw, 4.8rem); }
h3 { font-size: 1.35rem; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
img { max-width: 100%; }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.section-pad { padding: 125px 0; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.skip-link { position: fixed; z-index: 200; top: -70px; left: 20px; padding: 10px 18px; border-radius: 10px; color: white; background: var(--green); transition: top .2s; }
.skip-link:focus { top: 20px; }

/* ============================= HEADER ============================= */
.site-header { position: absolute; z-index: 50; top: 0; left: 0; width: 100%; padding: 20px 0; }
.site-header.scrolled { position: fixed; padding: 12px 0; background: rgba(255,253,249,.91); backdrop-filter: blur(16px); box-shadow: 0 8px 28px rgba(9,47,45,.07); animation: headerDown .35s ease; }
@keyframes headerDown { from { transform: translateY(-100%); } }
.nav-shell { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand { display: flex; align-items: center; gap: 10px; flex: none; }
.brand-logo { width: 53px; height: 45px; flex: none; object-fit: contain; }
.brand-copy { display: flex; flex-direction: column; align-items: flex-start; line-height: 1.08; }
.brand-copy strong { color: var(--green); font: 800 .87rem/1.15 "Manrope", sans-serif; white-space: nowrap; }
.brand-copy em { margin-top: 3px; color: var(--orange); font: italic 600 .78rem/1.15 "DM Sans", sans-serif; }
.site-menu { display: flex; align-items: center; gap: 29px; color: #365855; font-weight: 600; font-size: .87rem; }
.site-menu > a:not(.button) { position: relative; }
.site-menu > a:not(.button)::after { content: ""; position: absolute; bottom: -6px; left: 0; width: 0; height: 2px; background: var(--orange); transition: width .2s; }
.site-menu > a:not(.button):hover::after { width: 100%; }
.menu-toggle { display: none; width: 45px; height: 45px; padding: 10px; border: 0; border-radius: 13px; background: var(--green); }
.menu-toggle span { display: block; height: 2px; margin: 5px 0; border-radius: 3px; background: white; transition: .25s; }

/* ========================= BUTTONS / TYPE ========================= */
.button { display: inline-flex; align-items: center; justify-content: center; gap: 18px; min-height: 58px; padding: 0 28px; border: 0; border-radius: 999px; font-weight: 800; line-height: 1; cursor: pointer; transition: transform .2s, box-shadow .2s, background .2s; }
.button:hover { transform: translateY(-2px); }
.button-small { min-height: 45px; padding-inline: 21px; font-size: .84rem; }
.button-dark { color: white; background: var(--green); box-shadow: 0 12px 26px rgba(9,47,45,.17); }
.button-dark:hover { background: var(--green-deep); }
.button-accent { color: var(--green-deep); background: var(--accent); box-shadow: 0 15px 30px rgba(123,199,93,.23); }
.button-accent:hover { background: var(--accent-bright); }
.button-full { width: 100%; }
.plain-link { display: inline-block; color: var(--green); font-weight: 800; border-bottom: 1px solid currentColor; }
.eyebrow { margin-bottom: 21px; color: var(--orange); font-size: .76rem; font-weight: 800; letter-spacing: .17em; text-transform: uppercase; }
.eyebrow-light { color: var(--accent); }
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ============================== HERO ============================== */
.hero { position: relative; min-height: 800px; padding: 130px 0 70px; overflow: hidden; background: var(--cream); }
.hero::before { content: ""; position: absolute; top: -290px; left: -170px; width: 720px; height: 720px; border-radius: 50%; background: rgba(168,237,132,.24); filter: blur(28px); }
.hero-inner { position: relative; display: grid; grid-template-columns: .88fr 1.12fr; grid-template-areas: "copy calculator" "cta calculator"; gap: 22px 75px; align-items: center; }
.hero-copy { grid-area: copy; align-self: end; }
.hero-copy .eyebrow { margin-bottom: 20px; }
.hero h1 { max-width: 650px; margin-bottom: 25px; font-size: clamp(3.7rem, 6vw, 6.4rem); }
.hero h1 em { color: var(--orange); font-style: italic; }
.hero-copy > p:not(.eyebrow) { max-width: 570px; color: var(--muted); font-size: 1.08rem; }
.hero-cta { grid-area: cta; align-self: start; }
.hero-cta small { display: block; margin-top: 13px; color: #71817f; font-size: .72rem; }
.gap-calculator { grid-area: calculator; position: relative; z-index: 3; padding: 34px; border: 1px solid rgba(16,63,58,.08); border-radius: 30px; background: white; box-shadow: var(--shadow); }
.calculator-heading { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 24px; }
.calculator-icon { width: 48px; height: 48px; display: grid; place-items: center; flex: none; border-radius: 14px; color: var(--green); background: var(--accent); font: 800 1.2rem "Manrope", sans-serif; }
.calculator-heading h2 { margin-bottom: 5px; font-size: 1.65rem; letter-spacing: -.04em; }
.calculator-heading p { margin: 0; color: var(--muted); font-size: .82rem; }
.calculator-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.calculator-fields label { color: var(--green); font-size: .72rem; font-weight: 800; line-height: 1.35; }
.calculator-fields .full-field { grid-column: 1 / -1; }
.calculator-fields input, .calculator-fields select { margin-top: 7px; }
.money-input { position: relative; display: block; }
.money-input b { position: absolute; z-index: 2; top: 20px; left: 14px; color: var(--green); font-size: .87rem; }
.money-input input { padding-left: 32px; }
.coverage-snapshot { margin-top: 18px; overflow: hidden; border: 1px solid var(--line); border-radius: 18px; background: #fbfdfb; }
.snapshot-reveal-button { margin-top: 18px; }
.coverage-snapshot.snapshot-flash { animation: snapshotFlash 1.05s ease; }
@keyframes snapshotFlash {
  0% { border-color: var(--line); box-shadow: none; }
  35% { border-color: var(--accent); box-shadow: 0 0 0 6px rgba(168,237,132,.22), 0 18px 38px rgba(9,47,45,.12); }
  100% { border-color: var(--line); box-shadow: none; }
}
.snapshot-heading { padding: 15px 17px 12px; border-bottom: 1px solid var(--line); }
.snapshot-heading p { margin-bottom: 3px; color: var(--orange); font-size: .62rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.snapshot-heading h3 { margin: 0; font-size: 1rem; letter-spacing: -.025em; }
.snapshot-list { padding: 6px 17px; }
.snapshot-list > div { display: flex; align-items: center; justify-content: space-between; gap: 15px; padding: 10px 0; border-bottom: 1px solid #e8eeeb; }
.snapshot-list > div:last-child { border: 0; }
.snapshot-list span, .snapshot-list strong { line-height: 1.3; }
.snapshot-list span { color: var(--muted); font-size: .69rem; }
.snapshot-list span b { display: inline-block; margin-left: 5px; padding: 3px 6px; border-radius: 99px; color: var(--green); background: var(--accent); font-size: .5rem; letter-spacing: .05em; text-transform: uppercase; }
.snapshot-list strong { flex: none; color: var(--green); font: 800 .92rem "Manrope", sans-serif; }
.snapshot-totals { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; padding: 10px; background: #f2f7f4; }
.snapshot-totals > div { padding: 12px; border-radius: 12px; background: white; }
.snapshot-totals span, .snapshot-totals strong { display: block; line-height: 1.3; }
.snapshot-totals span { color: var(--muted); font-size: .62rem; }
.snapshot-totals strong { margin-top: 4px; color: var(--green); font: 800 1.02rem "Manrope", sans-serif; }
.snapshot-totals .gap-result { background: var(--green); }
.snapshot-totals .gap-result span { color: #b9d0cc; }
.snapshot-totals .gap-result strong { color: var(--accent); }
.calculator-privacy-note { margin: 14px 0 10px; color: #7f8f8c; font-size: .66rem; line-height: 1.45; }
.calculator-consent { display: flex !important; align-items: flex-start; gap: 10px; margin: 12px 0 0 !important; color: var(--muted) !important; font-size: .66rem !important; font-weight: 600 !important; line-height: 1.45 !important; }
.calculator-consent input { width: 18px; height: 18px; flex: none; margin: 2px 0 0; }
.calculator-consent.invalid span { color: #b54b3c; }
.snapshot-next-step { margin: 14px 0; padding: 14px 16px; border-radius: 12px; color: var(--green); background: var(--green-soft); font-size: .76rem; font-weight: 600; line-height: 1.45; }
.snapshot-next-step strong { display: block; margin-bottom: 5px; font: 800 .92rem "Manrope", sans-serif; }
.snapshot-next-step p { margin: 0; color: var(--green); }
.calculator-status { min-height: 19px; margin: 9px 0 0; color: #b54b3c; font-size: .72rem; font-weight: 700; line-height: 1.4; text-align: center; }
.calculator-disclaimer { margin: 11px 0 0; color: #7f8f8c; font-size: .62rem; line-height: 1.45; text-align: center; }

/* ============================ TRUST BAR ============================ */
.ofw-section { padding: 34px 0 20px; background: var(--paper); }
.ofw-card { display: grid; grid-template-columns: .9fr 1.1fr; gap: 60px; align-items: center; padding: 42px; border: 1px solid rgba(16,63,58,.08); border-radius: var(--radius-lg); background: #fff; box-shadow: 0 18px 45px rgba(9,47,45,.07); }
.ofw-card h2 { margin: 0; font-size: clamp(2.1rem, 4vw, 4rem); }
.ofw-copy { color: var(--muted); font-size: 1.02rem; }
.ofw-copy p { margin-bottom: 16px; }
.no-pressure-line { margin: 22px 0 0 !important; padding: 14px 17px; border-radius: 14px; color: var(--green); background: var(--green-soft); font-weight: 800; }

.trust-section { position: relative; z-index: 8; padding-bottom: 30px; background: var(--paper); }
.trust-bar { display: grid; grid-template-columns: repeat(4, 1fr); overflow: hidden; border-radius: 24px; background: var(--accent); box-shadow: 0 18px 40px rgba(9,47,45,.1); }
.trust-bar > div { display: flex; align-items: center; justify-content: center; gap: 10px; padding: 24px 16px; border-right: 1px solid rgba(9,47,45,.13); color: var(--green-deep); font-weight: 800; font-size: .86rem; }
.trust-bar > div:last-child { border: 0; }
.trust-bar span { font-size: .64rem; letter-spacing: .1em; opacity: .6; }

/* ============================ PROBLEM ============================ */
.problem { background: var(--paper); }
.problem-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 100px; align-items: start; }
.problem h2 em, .help h2 em, .about h2 em, .faq h2 em { color: var(--orange); font-style: italic; }
.problem-copy { padding-top: 35px; color: var(--muted); font-size: 1.05rem; }
.problem-copy > p { margin-bottom: 22px; }
.reassurance { display: flex; gap: 16px; align-items: flex-start; margin-top: 36px; padding: 25px 28px; border-radius: 18px; color: var(--green); background: var(--green-soft); }
.reassurance span { color: var(--orange); font: 800 2.7rem/.75 Georgia, serif; }
.reassurance strong { line-height: 1.5; }

/* ========================== HOW I HELP ========================== */
.help { background: var(--cream); }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 65px; margin-bottom: 60px; }
.section-heading h2 { margin-bottom: 0; }
.section-heading > p { max-width: 410px; margin-bottom: 7px; color: var(--muted); }
.help-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.help-card { position: relative; min-height: 370px; padding: 31px 27px; overflow: hidden; border: 1px solid #e3e9e5; border-radius: var(--radius-md); background: white; box-shadow: 0 12px 30px rgba(9,47,45,.05); transition: transform .25s, box-shadow .25s; }
.help-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); }
.card-no { position: absolute; top: 28px; right: 26px; color: #a8b5b1; font-size: .65rem; font-weight: 800; letter-spacing: .12em; }
.help-icon { width: 57px; height: 57px; display: grid; place-items: center; margin-bottom: 72px; border-radius: 16px; color: var(--green); background: var(--green-soft); font: 800 1.45rem "Manrope", sans-serif; }
.help-card p { color: var(--muted); font-size: .92rem; }
.card-dark { color: white; border: 0; background: var(--green); }
.card-dark h3, .card-dark p { color: white; }
.card-dark .help-icon { color: var(--green); background: var(--accent); }
.card-accent { border: 0; background: var(--accent); }
.card-accent .help-icon { color: white; background: var(--green); }

/* ===================== CLIENT VIDEO STORIES ===================== */
.client-stories { background: #fff; }
.stories-heading { max-width: 1100px; margin: 0 auto 50px; text-align: center; }
.stories-heading h2 { margin-bottom: 20px; }
.stories-heading h2 em { color: var(--orange); font-style: italic; }
.stories-heading > p:not(.eyebrow) { max-width: none; margin: 0 auto; color: var(--muted); font-size: 1rem; white-space: nowrap; }
.stories-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; max-width: 1040px; margin: 0 auto; }
.story-card { overflow: hidden; border: 1px solid var(--line); border-radius: 24px; background: #fff; box-shadow: 0 18px 45px rgba(9,47,45,.09); }
.story-video-wrap { position: relative; aspect-ratio: 16 / 9; overflow: hidden; background: linear-gradient(135deg, #092f2d, #164d48); }
.story-video { width: 100%; height: 100%; display: block; object-fit: contain; background: #071d1c; }
.story-play { position: absolute; inset: 0; width: 100%; height: 100%; display: grid; place-items: center; border: 0; color: var(--green); background: linear-gradient(rgba(5,31,29,.08), rgba(5,31,29,.26)); cursor: pointer; }
.story-play span { width: 68px; height: 68px; display: grid; place-items: center; padding-left: 4px; border-radius: 50%; color: var(--green); background: #fff; box-shadow: 0 12px 32px rgba(0,0,0,.24); font-size: 1.25rem; transition: transform .2s, background .2s; }
.story-play:hover span { transform: scale(1.08); background: var(--accent); }
.story-video-wrap.is-playing .story-play { display: none; }
.story-content { padding: 25px 26px 28px; }
.story-label { display: inline-block; margin-bottom: 10px; color: var(--orange); font-size: .66rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.story-content h3 { margin-bottom: 10px; font-size: 1.35rem; }
.story-content > p { margin-bottom: 16px; color: var(--muted); font-size: .86rem; }
.story-rating { margin-bottom: 9px; color: #efb723; font-size: .9rem; letter-spacing: .08em; }
.story-content blockquote { margin: 0; padding-top: 14px; border-top: 1px solid var(--line); color: var(--green); font-size: .9rem; font-weight: 700; line-height: 1.55; }

/* =========================== CHECKUP =========================== */
.checkup-feature { color: white; background: var(--green); }
.checkup-shell { display: grid; grid-template-columns: .95fr 1.05fr; gap: 95px; align-items: center; }
.checkup-copy h2 { color: white; }
.checkup-copy h2 em { color: var(--accent); font-style: italic; }
.checkup-copy > p:not(.eyebrow) { max-width: 590px; color: #c7dbd7; font-size: 1.04rem; }
.checkup-copy > small { display: block; max-width: 560px; margin-top: 16px; color: #9fbbb7; font-size: .72rem; }
.checkup-visual { position: relative; min-height: 535px; display: grid; place-items: center; }
.checkup-visual::before { content: ""; position: absolute; width: 470px; height: 470px; border-radius: 50%; background: rgba(168,237,132,.12); }
.checkup-card { position: relative; z-index: 2; width: min(100%, 430px); padding: 32px; border-radius: 29px; color: var(--ink); background: white; box-shadow: 0 35px 75px rgba(0,0,0,.23); transform: rotate(2deg); }
.checkup-card-top { display: flex; justify-content: space-between; margin-bottom: 33px; color: var(--muted); font-size: .74rem; font-weight: 700; text-transform: uppercase; }
.checkup-card-top b { color: var(--orange); }
.checkup-card > p { color: var(--green); font: 800 1.25rem "Manrope", sans-serif; }
.checkup-card label { display: flex; align-items: center; gap: 12px; margin: 11px 0; padding: 13px; border: 1px solid var(--line); border-radius: 12px; color: var(--muted); font-size: .85rem; }
.checkup-card label i { width: 18px; height: 18px; border: 2px solid #b8c7c3; border-radius: 50%; }
.fake-button { display: flex; justify-content: space-between; margin-top: 25px; padding: 15px 18px; border-radius: 99px; color: white; background: var(--green); font-weight: 800; font-size: .84rem; }
.checkup-badge { position: absolute; z-index: 3; right: -10px; bottom: 61px; padding: 16px 20px; border-radius: 16px; color: var(--green); background: var(--accent); box-shadow: var(--shadow); }
.checkup-badge strong, .checkup-badge small { display: block; line-height: 1.35; }
.checkup-badge small { opacity: .75; }

/* ============================= ABOUT ============================= */
.about { background: var(--paper); }
.about-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 100px; align-items: center; }
.about-photo-wrap { position: relative; min-height: 620px; overflow: hidden; border-radius: 48% 48% 30px 30px; background: var(--green-soft); }
.about-shape { position: absolute; right: -110px; bottom: -90px; width: 440px; height: 440px; border-radius: 50%; background: var(--accent); }
.about-photo-wrap > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 28%; }
.about-tag { position: absolute; z-index: 3; right: 24px; bottom: 25px; padding: 17px 20px; border-radius: 14px; background: rgba(255,255,255,.92); box-shadow: var(--shadow); }
.about-tag strong, .about-tag span { display: block; line-height: 1.35; }
.about-tag strong { color: var(--green); }
.about-tag span { color: var(--muted); font-size: .75rem; }
.about-copy > p:not(.eyebrow) { color: var(--muted); font-size: 1.03rem; }
.about-actions { display: flex; align-items: center; gap: 26px; margin-top: 35px; }

/* ============================== FAQ ============================== */
.faq { background: var(--cream); }
.faq-grid { display: grid; grid-template-columns: .73fr 1.27fr; gap: 100px; align-items: start; }
.faq-intro > p:not(.eyebrow) { color: var(--muted); }
.faq-intro .plain-link { margin-top: 15px; }
.faq-item { border-bottom: 1px solid #d9e3de; }
.faq-item button { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 25px; padding: 25px 0; border: 0; color: var(--green); background: transparent; text-align: left; font: 800 1.04rem "Manrope", sans-serif; cursor: pointer; }
.faq-item i { position: relative; width: 30px; height: 30px; flex: none; border-radius: 50%; background: white; box-shadow: 0 4px 14px rgba(9,47,45,.08); }
.faq-item i::before, .faq-item i::after { content: ""; position: absolute; top: 14px; left: 9px; width: 12px; height: 2px; background: var(--green); transition: transform .25s; }
.faq-item i::after { transform: rotate(90deg); }
.faq-item.open i::after { transform: rotate(0); }
.faq-answer { max-height: 0; overflow: hidden; color: var(--muted); transition: max-height .35s; }
.faq-answer p { padding: 0 50px 25px 0; }
.faq-item.open .faq-answer { max-height: 220px; }

/* ============================ CONTACT ============================ */
.contact { background: var(--paper); }
.contact-shell { display: grid; grid-template-columns: .85fr 1.15fr; gap: 85px; padding: 70px; border-radius: var(--radius-lg); color: white; background: var(--green-deep); }
.contact-copy h2 { color: white; font-size: clamp(2.5rem, 4.2vw, 4.2rem); }
.contact-copy h2 em { color: var(--accent); font-style: italic; }
.contact-copy > p:not(.eyebrow) { color: #b5ceca; }
.contact-details { display: grid; gap: 17px; margin-top: 35px; }
.contact-details a { display: flex; align-items: center; gap: 13px; width: fit-content; }
.contact-details a > span { width: 41px; height: 41px; display: grid; place-items: center; border-radius: 12px; color: var(--green); background: var(--accent); font-weight: 800; }
.contact-details b, .contact-details small { display: block; line-height: 1.35; }
.contact-details small { color: #9db8b4; font-size: .74rem; }
.contact-form { padding: 35px; border-radius: 25px; color: var(--ink); background: white; box-shadow: 0 30px 70px rgba(0,0,0,.2); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.contact-form label { display: block; margin-bottom: 15px; color: var(--green); font-size: .79rem; font-weight: 800; }
input, select, textarea { width: 100%; margin-top: 7px; border: 1px solid var(--line); border-radius: 11px; outline: 0; color: var(--ink); background: #fbfdfb; transition: border .2s, box-shadow .2s; }
input, select { height: 50px; padding: 0 14px; }
textarea { padding: 13px 14px; resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: #70b95e; box-shadow: 0 0 0 3px rgba(168,237,132,.28); }
.contact-form > small { display: block; margin-top: 12px; color: #8a9995; text-align: center; font-size: .67rem; }
.field-error { border-color: #e56f57 !important; }

/* ================= EMBEDDED 2-MINUTE CHECKUP =================
   EDIT: Progress, question groups, selectable cards, and success state.
   ============================================================ */
.checkup-intro { align-self: start; position: sticky; top: 125px; }
.embedded-checkup { min-height: 625px; }
.embedded-progress { height: 7px; margin-bottom: 28px; overflow: hidden; border-radius: 7px; background: #e4ece8; }
.embedded-progress i { display: block; width: 33.333%; height: 100%; border-radius: 7px; background: var(--accent); transition: width .3s ease; }
.checkup-step { display: none; }
.checkup-step.active { display: block; animation: embeddedStepIn .3s ease; }
@keyframes embeddedStepIn { from { opacity: 0; transform: translateX(12px); } }
.checkup-step-head { display: flex; justify-content: space-between; gap: 20px; margin-bottom: 12px; color: #7e908c; font-size: .69rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.checkup-step-head span { color: var(--orange); }
.checkup-step h3 { margin-bottom: 9px; font-size: 1.65rem; letter-spacing: -.035em; }
.step-warmup { margin-bottom: 24px; color: var(--muted); font-size: .88rem; }
.embedded-checkup .checkup-next { display: flex; margin: 10px 0 0 auto; }
.embedded-checkup label { line-height: 1.45; }
.field-helper { display: block; margin: 5px 0 9px; color: #82918e; font-size: .69rem; font-weight: 500; }
.checkup-actions { display: flex; justify-content: space-between; align-items: center; gap: 18px; margin-top: 22px; }
.checkup-back { padding: 11px 0; border: 0; color: var(--muted); background: transparent; font-weight: 800; cursor: pointer; }
.option-group { padding: 0; margin: 0 0 22px; border: 0; }
.option-group legend { margin-bottom: 11px; color: var(--green); font-size: .79rem; font-weight: 800; }
.compact-options { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; }
.compact-options label { position: relative; margin: 0; cursor: pointer; }
.compact-options input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.compact-options span { min-height: 46px; display: flex; align-items: center; justify-content: center; padding: 8px 12px; border: 1px solid var(--line); border-radius: 12px; color: var(--muted); background: #fbfdfb; text-align: center; font-size: .76rem; font-weight: 700; transition: .2s; }
.compact-options input:checked + span { border-color: var(--green); color: var(--green); background: var(--green-soft); box-shadow: inset 0 0 0 1px var(--green); }
.compact-options.invalid { padding: 5px; border: 2px solid #e56f57; border-radius: 16px; }
.privacy-consent { display: flex !important; align-items: flex-start; gap: 10px; margin: 15px 0 10px !important; color: var(--muted) !important; font-size: .72rem !important; font-weight: 600 !important; }
.privacy-consent input { width: 18px; height: 18px; flex: none; margin: 1px 0 0; }
.submission-note { margin: 20px 0 0; color: #82918e; text-align: center; font-size: .68rem; }
.form-status { min-height: 20px; margin-top: 6px; color: #b54b3c; text-align: center; font-size: .75rem; }
.checkup-success { padding: 30px 10px; text-align: center; }
.success-mark { width: 70px; height: 70px; display: grid; place-items: center; margin: 0 auto 17px; border-radius: 50%; color: var(--green); background: var(--accent); font-size: 1.7rem; font-weight: 900; }
.checkup-success h3 { font-size: 2.3rem; }
.checkup-success > p:not(.eyebrow) { max-width: 470px; margin: 0 auto 24px; color: var(--muted); }
.embedded-checkup.completed .embedded-progress, .embedded-checkup.completed .submission-note { display: none; }

/* ============================= FOOTER ============================= */
.policy-page { background: var(--cream); }
.policy-header { position: relative; background: rgba(255,253,249,.94); box-shadow: 0 8px 28px rgba(9,47,45,.06); }
.policy-menu { justify-content: flex-end; }
.policy-hero { padding: 95px 0 65px; background: linear-gradient(135deg, var(--cream), #eefbe8); }
.policy-hero h1 { max-width: 850px; margin-bottom: 14px; font-size: clamp(3rem, 8vw, 6.8rem); }
.policy-updated { margin: 0; color: var(--muted); font-weight: 700; }
.policy-content-section { padding-top: 70px; background: var(--paper); }
.policy-content { max-width: 920px; }
.policy-card { padding: 54px; border: 1px solid rgba(16,63,58,.08); border-radius: var(--radius-lg); background: white; box-shadow: var(--shadow); }
.policy-card h2 { margin: 42px 0 15px; font-size: clamp(1.55rem, 3vw, 2.2rem); letter-spacing: -.04em; }
.policy-card h2:first-child { margin-top: 0; }
.policy-card p, .policy-card li { color: var(--muted); font-size: 1rem; }
.policy-card ul { margin: 0 0 24px; padding-left: 24px; }
.policy-card li { margin-bottom: 7px; }
.policy-card a { color: var(--green); font-weight: 800; border-bottom: 1px solid currentColor; }

.site-footer { padding: 62px 0 27px; color: #afc3bf; background: #062725; }
.footer-main { display: grid; grid-template-columns: 1fr 1fr 1.3fr; gap: 35px; align-items: center; padding-bottom: 42px; }
.footer-brands { display: flex; align-items: center; gap: 20px; }
.fwd-footer-logo { width: 94px; height: 53px; object-fit: cover; border-radius: 7px; flex: 0 0 auto; }
.footer-brand .brand-copy strong { color: white; }
.footer-main > p { margin: 0; text-align: center; font-weight: 700; }
.footer-links { display: flex; justify-content: flex-end; gap: 24px; font-size: .8rem; }
.footer-policy-button { display: inline-flex; align-items: center; justify-content: center; min-height: 38px; padding: 0 16px; border: 1px solid rgba(168,237,132,.35); border-radius: 999px; color: var(--accent); font-weight: 800; }
.footer-policy-button:hover { color: var(--green-deep); background: var(--accent); }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); font-size: .69rem; }
.back-top { position: fixed; z-index: 30; right: 22px; bottom: 22px; width: 45px; height: 45px; border: 0; border-radius: 50%; color: var(--green); background: var(--accent); box-shadow: var(--shadow); cursor: pointer; opacity: 0; visibility: hidden; transform: translateY(15px); transition: .25s; }
.back-top.visible { opacity: 1; visibility: visible; transform: none; }

/* ============================ RESPONSIVE ============================ */
@media (max-width: 1050px) {
  .site-menu { gap: 18px; }
  .hero-inner { gap: 22px 40px; }
  .help-grid { grid-template-columns: 1fr 1fr; }
  .help-card { min-height: 310px; }
  .help-icon { margin-bottom: 45px; }
  .problem-grid, .checkup-shell, .about-grid, .faq-grid, .contact-shell { gap: 55px; }
}

@media (max-width: 860px) {
  .section-pad { padding: 90px 0; }
  .site-header { padding: 14px 0; }
  .menu-toggle { display: block; }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .site-menu { position: fixed; inset: 75px 20px auto; flex-direction: column; align-items: stretch; gap: 0; padding: 23px; border-radius: 22px; background: white; box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(-12px); transition: .25s; }
  .site-menu.open { opacity: 1; visibility: visible; transform: none; }
  .site-menu > a { padding: 11px 7px; }
  .site-menu .button { margin-top: 10px; }
  .policy-menu { position: static; flex-direction: row; flex-wrap: wrap; justify-content: center; gap: 10px 18px; padding: 0; background: transparent; box-shadow: none; opacity: 1; visibility: visible; transform: none; }
  .policy-menu > a { padding: 5px 0; }
  .policy-menu .button { margin-top: 0; }
  .policy-header .nav-shell { align-items: center; flex-direction: column; }
  .hero { min-height: auto; padding: 115px 0 65px; }
  .hero-inner { grid-template-columns: 1fr; grid-template-areas: "copy" "calculator" "cta"; gap: 28px; }
  .hero-copy { text-align: center; }
  .hero-copy .eyebrow { justify-content: center; }
  .hero h1, .hero-copy > p:not(.eyebrow) { margin-inline: auto; }
  .hero h1 { font-size: clamp(3.6rem, 12vw, 6rem); }
  .gap-calculator { width: min(100%, 680px); margin-inline: auto; }
  .hero-cta { text-align: center; }
  .trust-bar { grid-template-columns: 1fr 1fr; }
  .trust-bar > div:nth-child(2) { border-right: 0; }
  .trust-bar > div:nth-child(-n+2) { border-bottom: 1px solid rgba(9,47,45,.13); }
  .problem-grid, .checkup-shell, .about-grid, .faq-grid, .contact-shell, .ofw-card { grid-template-columns: 1fr; }
  .problem-copy { padding-top: 0; }
  .section-heading { display: block; }
  .section-heading > p { margin-top: 22px; }
  .stories-grid { grid-template-columns: 1fr; max-width: 650px; }
  .stories-heading > p:not(.eyebrow) { white-space: normal; }
  .checkup-copy { text-align: center; }
  .checkup-copy > p:not(.eyebrow), .checkup-copy > small { margin-inline: auto; }
  .checkup-visual { min-height: 480px; }
  .about-copy { order: -1; }
  .about-photo-wrap { min-height: 570px; }
  .contact-shell { padding: 50px; }
  .checkup-intro { position: static; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .footer-main > p { display: none; }
}

@media (max-width: 620px) {
  body { font-size: 15px; }
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section-pad { padding: 72px 0; }
  .brand-logo { width: 44px; height: 38px; }
  .brand-copy strong { font-size: .72rem; }
  .brand-copy em { font-size: .69rem; }
  .hero { padding-top: 100px; }
  .hero h1 { font-size: clamp(2.9rem, 14vw, 4.2rem); }
  .hero-copy > p:not(.eyebrow) { font-size: .95rem; }
  .gap-calculator { padding: 22px 18px; border-radius: 23px; }
  .calculator-heading { margin-bottom: 18px; }
  .calculator-heading h2 { font-size: 1.35rem; }
  .calculator-fields { gap: 10px 9px; }
  .calculator-fields > label { min-width: 0; font-size: .65rem; }
  .calculator-fields input, .calculator-fields select { min-width: 0; padding-right: 7px; font-size: .78rem; }
  .snapshot-totals { grid-template-columns: 1fr; }
  .hero-cta .button { width: 100%; }
  .trust-bar { grid-template-columns: 1fr; }
  .ofw-section { padding-top: 18px; }
  .ofw-card { gap: 24px; padding: 26px 20px; border-radius: 24px; }
  .trust-bar > div { justify-content: flex-start; padding: 14px 20px; border-right: 0; border-bottom: 1px solid rgba(9,47,45,.13); }
  .trust-bar > div:nth-child(2) { border-bottom: 1px solid rgba(9,47,45,.13); }
  .help-grid { grid-template-columns: 1fr; }
  .help-card { min-height: 270px; padding: 27px; }
  .help-icon { margin-bottom: 35px; }
  .stories-heading { margin-bottom: 34px; }
  .story-content { padding: 22px 20px 24px; }
  .checkup-card { padding: 25px; }
  .checkup-badge { right: -5px; bottom: 25px; }
  .about-photo-wrap { min-height: 470px; }
  .about-actions { align-items: stretch; flex-direction: column; }
  .about-actions .button { width: 100%; }
  .contact .container { width: 100%; }
  .contact-shell { gap: 35px; padding: 48px 20px; border-radius: 0; }
  .contact-form { padding: 26px 20px; }
  .policy-hero { padding: 72px 0 42px; }
  .policy-card { padding: 30px 20px; border-radius: 24px; }
  .policy-card p, .policy-card li { font-size: .95rem; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .compact-options { grid-template-columns: 1fr; }
  .checkup-actions { align-items: stretch; flex-direction: column-reverse; }
  .checkup-actions .button { width: 100%; }
  .footer-main { grid-template-columns: 1fr; text-align: center; }
  .footer-brands { justify-content: center; flex-wrap: wrap; }
  .footer-brand { justify-content: center; }
  .footer-links { flex-wrap: wrap; justify-content: center; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}