/* =============================================
   LB WARRANTIES CO. — Main Stylesheet
   Color Scheme: Leaders BPO (Navy + Orange)
   ============================================= */

:root {
  --navy:        #0D2B6E;
  --navy-dark:   #081A4A;
  --navy-light:  #1B54B8;
  --orange:      #E85D1E;
  --orange-light:#FF7A40;
  --orange-dark: #C44A10;
  --gold:        #F5A623;
  --white:       #FFFFFF;
  --off-white:   #F5F7FB;
  --gray-light:  #E8ECF4;
  --gray-mid:    #9BA8C0;
  --gray-dark:   #4A5568;
  --text-dark:   #1A202C;
  --text-body:   #374151;
  --success:     #22C55E;
  --shadow-sm:   0 2px 8px rgba(13,43,110,0.10);
  --shadow-md:   0 4px 20px rgba(13,43,110,0.15);
  --shadow-lg:   0 8px 40px rgba(13,43,110,0.20);
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --radius-full: 50px;
  --transition:  all 0.3s ease;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; font-family: inherit; }

/* =============================================
   TYPOGRAPHY
   ============================================= */
h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--text-body); }

.section-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 0.5rem;
}
.section-title { margin-bottom: 1rem; }
.section-subtitle { font-size: 1.05rem; color: var(--gray-dark); max-width: 600px; }
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-orange { color: var(--orange); }
.text-navy  { color: var(--navy); }

/* =============================================
   UTILITY CLASSES
   ============================================= */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 1.5rem; }
.section-pad { padding: 5rem 0; }
.section-pad-sm { padding: 3rem 0; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid { display: grid; }
.gap-1 { gap: 1rem; }
.gap-2 { gap: 2rem; }
.gap-3 { gap: 3rem; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  transition: var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: var(--orange);
  color: var(--white);
  box-shadow: 0 4px 15px rgba(232,93,30,0.35);
}
.btn-primary:hover {
  background: var(--orange-dark);
  box-shadow: 0 6px 20px rgba(232,93,30,0.45);
  transform: translateY(-2px);
}
.btn-secondary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 15px rgba(13,43,110,0.25);
}
.btn-secondary:hover {
  background: var(--navy-dark);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 1.1rem 2.5rem; font-size: 1.05rem; }
.btn-sm { padding: 0.6rem 1.4rem; font-size: 0.875rem; }

/* =============================================
   TOP BAR
   ============================================= */
#top-bar {
  background: var(--navy-dark);
  color: var(--gray-light);
  font-size: 0.82rem;
  padding: 0.5rem 0;
}
#top-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.top-bar-left { display: flex; align-items: center; gap: 1.5rem; }
.top-bar-right { display: flex; align-items: center; gap: 1.5rem; }
.top-bar-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--gray-light);
  transition: color 0.2s;
}
.top-bar-item:hover { color: var(--gold); }
.top-bar-item svg { width: 14px; height: 14px; flex-shrink: 0; }
.top-bar-divider { color: rgba(255,255,255,0.2); }

/* =============================================
   HEADER / NAV
   ============================================= */
#header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s;
}
#header.scrolled { box-shadow: var(--shadow-md); }
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
  gap: 1.5rem;
}

/* Logo */
.logo-wrap { display: flex; align-items: center; gap: 0.75rem; flex-shrink: 0; }
.logo-img { width: 58px; height: 58px; }
.logo-text { line-height: 1.1; }
.logo-text .brand-name {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--navy);
  display: block;
}
.logo-text .brand-tagline {
  font-size: 0.7rem;
  color: var(--gray-mid);
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* Nav */
.main-nav { display: flex; align-items: center; gap: 0.25rem; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.6rem 0.9rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: var(--navy);
  background: var(--off-white);
}
.nav-link svg { width: 12px; height: 12px; transition: transform 0.2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-light);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 100;
}
.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-body);
  transition: var(--transition);
  border-bottom: 1px solid var(--gray-light);
}
.dropdown-item:last-child { border-bottom: none; }
.dropdown-item:hover { background: var(--off-white); color: var(--navy); }
.dropdown-item svg { width: 16px; height: 16px; color: var(--orange); flex-shrink: 0; }

/* Header CTA */
.header-cta { display: flex; align-items: center; gap: 1rem; flex-shrink: 0; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
}
.header-phone svg { color: var(--orange); width: 18px; height: 18px; }

/* Mobile toggle */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  padding: 0.5rem;
  color: var(--navy);
}
.mobile-toggle svg { width: 26px; height: 26px; }

/* Mobile nav */
.mobile-nav {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--gray-light);
  padding: 1rem 1.5rem;
}
.mobile-nav.open { display: block; }
.mobile-nav-item {
  display: block;
  padding: 0.7rem 0;
  font-weight: 600;
  color: var(--text-dark);
  border-bottom: 1px solid var(--gray-light);
  font-size: 0.95rem;
}
.mobile-nav-item:last-child { border-bottom: none; }

/* =============================================
   HERO SECTION
   ============================================= */
#hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  overflow: hidden;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(232,93,30,0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(255,255,255,0.05) 0%, transparent 50%);
  pointer-events: none;
}
.hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 50px 50px;
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 4rem 1.5rem;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
}
.hero-content { }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(245,166,35,0.15);
  border: 1px solid rgba(245,166,35,0.4);
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.5rem;
}
.hero-badge svg { width: 14px; height: 14px; }
.hero-title {
  color: var(--white);
  margin-bottom: 1.25rem;
  font-size: clamp(2rem, 4.5vw, 3.2rem);
}
.hero-title .highlight {
  color: var(--orange);
  position: relative;
}
.hero-subtitle {
  color: rgba(255,255,255,0.8);
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 520px;
  line-height: 1.7;
}
.hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 2rem;
}
.hero-feature {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
}
.hero-feature svg { color: var(--gold); width: 16px; height: 16px; flex-shrink: 0; }
.hero-actions { display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; }
.hero-phone-cta {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.9);
  font-size: 0.9rem;
}
.hero-phone-cta strong { color: var(--gold); font-size: 1.05rem; }

/* Hero Quote Form */
.hero-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.form-card-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy);
  text-align: center;
  margin-bottom: 0.25rem;
}
.form-card-sub {
  font-size: 0.82rem;
  color: var(--gray-dark);
  text-align: center;
  margin-bottom: 1.5rem;
}
.form-group { margin-bottom: 1rem; }
.form-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--off-white);
  transition: var(--transition);
  appearance: none;
}
.form-control:focus {
  outline: none;
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(13,43,110,0.1);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }
.form-submit { width: 100%; padding: 1rem; font-size: 1rem; margin-top: 0.5rem; }
.form-disclaimer {
  font-size: 0.72rem;
  color: var(--gray-mid);
  text-align: center;
  margin-top: 0.75rem;
  line-height: 1.5;
}
.form-disclaimer a { color: var(--navy); text-decoration: underline; }

/* =============================================
   STATS BAR
   ============================================= */
#stats-bar {
  background: var(--navy);
  padding: 2.5rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  align-items: center;
}
.stat-item {
  text-align: center;
  padding: 1rem;
  border-right: 1px solid rgba(255,255,255,0.15);
}
.stat-item:last-child { border-right: none; }
.stat-number {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.35rem;
}
.stat-number span { color: var(--orange); }
.stat-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* =============================================
   HOW IT WORKS
   ============================================= */
#how-it-works { background: var(--off-white); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 3rem;
  left: calc(12.5% + 1.5rem);
  right: calc(12.5% + 1.5rem);
  height: 2px;
  background: linear-gradient(90deg, var(--navy-light), var(--orange));
  z-index: 0;
}
.step-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  position: relative;
  z-index: 1;
  transition: var(--transition);
  border: 1px solid var(--gray-light);
}
.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--navy-light);
}
.step-num {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  font-size: 1.25rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 12px rgba(13,43,110,0.3);
}
.step-card h4 { color: var(--navy); margin-bottom: 0.5rem; }
.step-card p { font-size: 0.875rem; color: var(--gray-dark); }

/* =============================================
   COVERAGE PLANS
   ============================================= */
#coverage { background: var(--white); }
.plans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-top: 3rem;
}
.plan-card {
  background: var(--white);
  border: 2px solid var(--gray-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
  position: relative;
}
.plan-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.plan-card.featured {
  border-color: var(--orange);
  box-shadow: var(--shadow-md);
}
.plan-badge {
  background: var(--orange);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  text-align: center;
  padding: 0.35rem;
}
.plan-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 1.75rem 1.5rem;
  text-align: center;
}
.plan-icon {
  width: 48px;
  height: 48px;
  background: rgba(255,255,255,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.75rem;
}
.plan-icon svg { width: 24px; height: 24px; color: var(--gold); }
.plan-name { color: var(--white); font-size: 1.1rem; font-weight: 700; margin-bottom: 0.25rem; }
.plan-tagline { color: rgba(255,255,255,0.7); font-size: 0.8rem; }
.plan-body { padding: 1.5rem; }
.plan-features { }
.plan-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.5rem 0;
  font-size: 0.85rem;
  color: var(--text-body);
  border-bottom: 1px solid var(--gray-light);
}
.plan-feature-item:last-child { border-bottom: none; }
.plan-feature-item svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }
.check-icon { color: var(--success); }
.x-icon { color: #EF4444; }
.plan-cta {
  padding: 0 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.plan-cta .btn { justify-content: center; }

/* =============================================
   WHY LB WARRANTIES (BENEFITS)
   ============================================= */
#why-us { background: var(--off-white); }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.benefit-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 2rem;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.benefit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--orange));
  transform: scaleX(0);
  transition: transform 0.3s;
}
.benefit-card:hover::before { transform: scaleX(1); }
.benefit-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: transparent;
}
.benefit-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, rgba(13,43,110,0.08), rgba(13,43,110,0.15));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.benefit-icon svg { width: 28px; height: 28px; color: var(--navy); }
.benefit-card h4 { color: var(--navy); margin-bottom: 0.5rem; }
.benefit-card p { font-size: 0.875rem; color: var(--gray-dark); line-height: 1.65; }

/* =============================================
   TESTIMONIALS
   ============================================= */
#testimonials { background: var(--white); }
.testimonials-header {
  text-align: center;
  margin-bottom: 3rem;
}
.reviews-summary {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}
.review-platform {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.6rem 1.25rem;
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius-full);
}
.review-platform img { height: 20px; width: auto; }
.review-stars { color: var(--gold); font-size: 0.85rem; font-weight: 700; }
.review-count { font-size: 0.78rem; color: var(--gray-dark); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.testimonial-card {
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
  position: relative;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--navy-light);
  background: var(--white);
}
.testimonial-quote {
  font-size: 2.5rem;
  line-height: 1;
  color: var(--orange);
  margin-bottom: 0.5rem;
  font-family: Georgia, serif;
}
.testimonial-text {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}
.testimonial-claim {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(34,197,94,0.1);
  color: #16A34A;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.35rem 0.75rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}
.testimonial-claim svg { width: 14px; height: 14px; }
.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.author-info { }
.author-name { font-size: 0.9rem; font-weight: 700; color: var(--text-dark); }
.author-location { font-size: 0.78rem; color: var(--gray-dark); }
.stars { color: var(--gold); font-size: 0.85rem; margin-bottom: 0.2rem; }

/* =============================================
   TRUST / AWARDS
   ============================================= */
#trust-badges { background: var(--off-white); padding: 3rem 0; }
.trust-title {
  text-align: center;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gray-mid);
  margin-bottom: 2rem;
}
.badges-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.badge-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  opacity: 0.7;
  transition: opacity 0.2s;
}
.badge-item:hover { opacity: 1; }
.badge-icon {
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.badge-icon svg { width: 100%; height: 100%; }
.badge-label { font-size: 0.7rem; font-weight: 700; text-align: center; color: var(--gray-dark); text-transform: uppercase; letter-spacing: 0.5px; }

/* =============================================
   COVERAGE MAP / NATIONWIDE SECTION
   ============================================= */
#nationwide {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 5rem 0;
  position: relative;
  overflow: hidden;
}
#nationwide::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 70% 50%, rgba(232,93,30,0.12) 0%, transparent 60%);
  pointer-events: none;
}
.nationwide-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.nationwide-content { }
.nationwide-content .section-label { color: var(--gold); }
.nationwide-content h2 { color: var(--white); margin-bottom: 1rem; }
.nationwide-content p { color: rgba(255,255,255,0.75); margin-bottom: 1.5rem; }
.nationwide-list { }
.nationwide-list-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.6rem 0;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nationwide-list-item:last-child { border-bottom: none; }
.nationwide-list-item svg { width: 18px; height: 18px; color: var(--orange); flex-shrink: 0; }
.nationwide-map {
  position: relative;
}
.map-graphic {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
}
.map-text { color: rgba(255,255,255,0.5); font-size: 0.85rem; }
.map-placeholder {
  width: 100%;
  height: 220px;
  background: rgba(255,255,255,0.04);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.map-placeholder svg { width: 80px; height: 80px; color: rgba(255,255,255,0.2); }
.map-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--orange);
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
}

/* =============================================
   CTA BANNER
   ============================================= */
#cta-banner {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange), var(--orange-light));
  padding: 4rem 0;
  text-align: center;
}
.cta-banner-inner { }
.cta-banner-inner h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-banner-inner p { color: rgba(255,255,255,0.85); max-width: 560px; margin: 0 auto 2rem; }
.cta-actions { display: flex; align-items: center; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* =============================================
   FAQ SECTION
   ============================================= */
#faq { background: var(--white); }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 3rem;
}
.faq-item {
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.open { border-color: var(--navy); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: none;
  width: 100%;
  text-align: left;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  gap: 1rem;
  transition: background 0.2s;
}
.faq-question:hover { background: var(--off-white); }
.faq-item.open .faq-question { background: var(--off-white); color: var(--navy); }
.faq-toggle {
  width: 24px;
  height: 24px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.3s, background 0.2s;
}
.faq-item.open .faq-toggle { transform: rotate(45deg); background: var(--orange); }
.faq-toggle svg { width: 14px; height: 14px; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.3s ease;
  padding: 0 1.5rem;
}
.faq-item.open .faq-answer { max-height: 300px; padding: 1rem 1.5rem 1.25rem; }
.faq-answer p { font-size: 0.875rem; color: var(--gray-dark); line-height: 1.7; }

/* =============================================
   FOOTER
   ============================================= */
#footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding-top: 4rem;
}
.footer-main {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { }
.footer-logo { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.25rem; }
.footer-logo-img { width: 52px; height: 52px; }
.footer-logo-text .brand-name { color: var(--white); font-size: 1.1rem; font-weight: 800; }
.footer-logo-text .brand-tagline { color: rgba(255,255,255,0.4); font-size: 0.65rem; letter-spacing: 1px; text-transform: uppercase; }
.footer-desc { font-size: 0.875rem; line-height: 1.7; margin-bottom: 1.5rem; color: rgba(255,255,255,0.6); }
.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.875rem;
  margin-bottom: 0.6rem;
  color: rgba(255,255,255,0.65);
}
.footer-contact-item svg { width: 16px; height: 16px; color: var(--orange); flex-shrink: 0; }
.footer-contact-item a { color: rgba(255,255,255,0.65); transition: color 0.2s; }
.footer-contact-item a:hover { color: var(--orange); }
.footer-col h5 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
}
.footer-links { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-link {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.footer-link:hover { color: var(--orange); }
.footer-link svg { width: 12px; height: 12px; }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.4); }
.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { font-size: 0.8rem; color: rgba(255,255,255,0.4); transition: color 0.2s; }
.footer-legal a:hover { color: rgba(255,255,255,0.7); }
.social-links { display: flex; gap: 0.75rem; margin-top: 1.25rem; }
.social-link {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  color: rgba(255,255,255,0.6);
}
.social-link:hover {
  background: var(--orange);
  color: var(--white);
  transform: translateY(-2px);
}
.social-link svg { width: 16px; height: 16px; }

/* =============================================
   BACK TO TOP
   ============================================= */
#back-to-top {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 44px;
  height: 44px;
  background: var(--orange);
  color: var(--white);
  border-radius: 50%;
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 999;
}
#back-to-top.visible { opacity: 1; visibility: visible; }
#back-to-top:hover { background: var(--orange-dark); transform: translateY(-3px); }
#back-to-top svg { width: 20px; height: 20px; }

/* =============================================
   ANNOUNCEMENT BAR
   ============================================= */
.announcement-bar {
  background: var(--orange);
  color: var(--white);
  text-align: center;
  padding: 0.6rem 1rem;
  font-size: 0.85rem;
  font-weight: 600;
  position: relative;
}
.announcement-bar a { color: var(--white); text-decoration: underline; }
.ann-close {
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: var(--white);
  cursor: pointer;
  padding: 0.25rem;
  display: flex;
}
.ann-close svg { width: 16px; height: 16px; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .plans-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid .stat-item:nth-child(2) { border-right: none; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-form-card { max-width: 460px; margin: 0 auto; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .nationwide-inner { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .main-nav, .header-cta { display: none; }
  .mobile-toggle { display: flex; }
  .hero-inner { padding: 2.5rem 1rem; }
  .benefits-grid { grid-template-columns: 1fr; }
  .plans-grid { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .top-bar-left, .top-bar-right { font-size: 0.75rem; }
}

/* =============================================
   SCROLL ANIMATIONS
   ============================================= */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }