/* ==========================================================================
   WhizQuotes.com — Landing Page Styles
   ========================================================================== */

:root {
  --blue: #147a6c;
  --blue-dark: #0f5c51;
  --navy: #12332e;
  --navy-2: #1c4a42;
  --green: #5a9c5e;
  --green-dark: #457a49;
  --orange: #c98a2c;
  --orange-dark: #a06f1f;
  --text-dark: #20302b;
  --text-light: #5f7168;
  --bg-soft: #f6f4ee;
  --white: #ffffff;
  --border: #e7e2d4;
  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 8px;
  --shadow-sm: 0 4px 14px rgba(18, 51, 46, 0.07);
  --shadow-md: 0 14px 40px rgba(18, 51, 46, 0.13);
  --shadow-lg: 0 24px 60px rgba(18, 51, 46, 0.19);
  --font-head: "Lora", Georgia, "Times New Roman", serif;
  --font-body: "Inter", "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 700; line-height: 1.25; color: var(--navy); }

.section-tag {
  display: inline-block;
  background: rgba(20, 122, 108, 0.08);
  color: var(--blue);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 14px;
}

.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(26px, 3.4vw, 38px); margin-bottom: 12px; }
.section-head p { color: var(--text-light); font-size: 17px; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: #fff;
  box-shadow: 0 10px 24px rgba(201, 138, 44, 0.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(201, 138, 44, 0.45); }
.btn-outline {
  background: transparent;
  border: 2px solid var(--blue);
  color: var(--blue);
}
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-block { width: 100%; }

/* ---------------- Top Bar ---------------- */
.top-bar {
  background: var(--navy);
  color: #cfe0f5;
  font-size: 13px;
}
.top-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 8px;
  padding-bottom: 8px;
  flex-wrap: wrap;
  gap: 6px;
}
.top-bar a { color: #cfe0f5; }
.top-bar .top-bar-right { display: flex; gap: 20px; align-items: center; }
.top-bar strong { color: #9fd6a8; }

/* ---------------- Header ---------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: #fff;
  box-shadow: var(--shadow-sm);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  gap: 20px;
}
.logo img { height: 42px; }
.main-nav { display: flex; gap: 30px; }
.main-nav a {
  font-weight: 600;
  font-size: 15px;
  color: var(--text-dark);
  position: relative;
  padding: 4px 0;
}
.main-nav a:hover { color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--navy);
}
.header-phone .icon-circle {
  width: 38px; height: 38px;
  background: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  flex-shrink: 0;
}
.header-phone span { display: flex; flex-direction: column; line-height: 1.2; }
.header-phone small { font-weight: 500; color: var(--text-light); font-size: 12px; }
.header-phone a { font-size: 16px; }
.nav-toggle { display: none; background: none; border: none; font-size: 26px; color: var(--navy); cursor: pointer; }

/* ---------------- Hero ---------------- */
.hero {
  position: relative;
  background: radial-gradient(1200px 600px at 15% -10%, #1f6f60 0%, var(--navy) 55%), var(--navy);
  color: #fff;
  padding: 64px 0 90px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.5;
}
.hero .container {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 22px;
  color: #d7e6fb;
}
.hero-badge svg { color: var(--green); }
.hero h1 {
  color: #fff;
  font-size: clamp(32px, 4.4vw, 50px);
  margin-bottom: 20px;
}
.hero h1 span { color: var(--orange); }
.hero p.lead {
  font-size: 18px;
  color: #cfe0f5;
  max-width: 540px;
  margin-bottom: 28px;
}
.hero-points { display: flex; flex-direction: column; gap: 14px; margin-bottom: 10px; }
.hero-points li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 600;
  color: #eaf2fc;
  font-size: 15.5px;
}
.hero-points .tick {
  width: 24px; height: 24px;
  background: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-top: 34px;
  flex-wrap: wrap;
}
.hero-trust .stars { color: #ffb400; font-size: 15px; letter-spacing: 2px; }
.hero-trust small { color: #b9cbe4; display: block; font-size: 12.5px; }

/* ---------------- Quote Form ---------------- */
.quote-form-wrapper {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 34px 32px 30px;
  box-shadow: var(--shadow-lg);
  position: relative;
  z-index: 2;
}
.quote-form-wrapper::before {
  content: "";
  position: absolute;
  top: -10px; left: -10px; right: -10px; bottom: -10px;
  border: 2px dashed rgba(255,255,255,0.25);
  border-radius: 26px;
  z-index: -1;
  pointer-events: none;
}
.quote-form-header { text-align: center; margin-bottom: 22px; }
.quote-form-header h2 {
  font-size: 23px;
  color: var(--navy);
  margin-bottom: 6px;
}
.quote-form-header .subtitle {
  color: var(--text-light);
  font-size: 14px;
}
.quote-form-header .form-flag {
  display: inline-block;
  background: var(--green);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 12px;
}

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.field-group { display: flex; flex-direction: column; gap: 6px; }
.field-group label { font-size: 13px; font-weight: 700; color: var(--navy); }
.field-group .required { color: var(--orange); }
.field-group input[type="text"],
.field-group input[type="tel"],
.field-group select {
  padding: 13px 15px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-family: var(--font-body);
  background: var(--bg-soft);
  transition: border-color 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  width: 100%;
}
.field-group input:focus,
.field-group select:focus {
  outline: none;
  border-color: var(--blue);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(20, 122, 108, 0.12);
}
.field-group input:invalid:not(:placeholder-shown) { border-color: #e05353; }

.consent-box { margin: 18px 0 16px; }
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12.5px;
  color: var(--text-light);
  line-height: 1.5;
  cursor: pointer;
}
.consent-label input[type="checkbox"] {
  width: 18px; height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--green);
  cursor: pointer;
}

.submit-btn { margin-bottom: 14px; }
.submit-button {
  width: 100%;
  border: none;
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  color: #fff;
  font-weight: 800;
  font-size: 16px;
  letter-spacing: 0.02em;
  padding: 16px 20px;
  border-radius: 10px;
  cursor: pointer;
  box-shadow: 0 12px 26px rgba(90, 156, 94, 0.35);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.submit-button:hover { transform: translateY(-2px); box-shadow: 0 16px 32px rgba(90, 156, 94, 0.45); }
.submit-button:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }

.disclaimer {
  font-size: 10.8px;
  color: #93a2b1;
  line-height: 1.55;
  text-align: left;
}

.form-msg { display: none; padding: 12px 14px; border-radius: var(--radius-sm); font-size: 13.5px; font-weight: 600; margin-bottom: 14px; }
.form-msg.error { display: block; background: #fdeaea; color: #c62828; }
.form-msg.loading { display: block; background: #eaf2fd; color: var(--blue); }

/* ---------------- Trust strip ---------------- */
.trust-strip { background: var(--bg-soft); border-bottom: 1px solid var(--border); padding: 26px 0; }
.trust-strip .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-item { display: flex; align-items: center; gap: 12px; font-weight: 700; color: var(--navy); font-size: 14px; }
.trust-item .icon-circle {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: #fff;
  box-shadow: var(--shadow-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue);
  flex-shrink: 0;
}

/* ---------------- Who Qualifies ---------------- */
.qualify-section { padding: 90px 0; }
.qualify-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.qualify-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 30px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.qualify-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.qualify-card .icon-circle {
  width: 60px; height: 60px;
  border-radius: 18px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
  color: #fff;
}
.qualify-card:nth-child(1) .icon-circle { background: linear-gradient(135deg, var(--blue), var(--blue-dark)); }
.qualify-card:nth-child(2) .icon-circle { background: linear-gradient(135deg, var(--green), var(--green-dark)); }
.qualify-card:nth-child(3) .icon-circle { background: linear-gradient(135deg, var(--orange), var(--orange-dark)); }
.qualify-card:nth-child(4) .icon-circle { background: linear-gradient(135deg, #9d6b8f, #764f6a); }
.qualify-card h3 { font-size: 17px; margin-bottom: 8px; }
.qualify-card p { color: var(--text-light); font-size: 14px; }

.qualify-cta { text-align: center; margin-top: 42px; }

/* ---------------- Image banner ---------------- */
.image-banner {
  position: relative;
  min-height: 340px;
  background: radial-gradient(1000px 500px at 85% 0%, #1f6f60 0%, var(--navy) 60%), var(--navy);
  display: flex;
  align-items: center;
  overflow: hidden;
}
.image-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.5;
}
.image-banner .container { position: relative; display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.image-banner h2 { color: #fff; font-size: clamp(24px, 3vw, 34px); margin-bottom: 14px; }
.image-banner p { color: #d7e6fb; font-size: 16px; margin-bottom: 22px; max-width: 480px; }
.banner-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.banner-stats .stat {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
  backdrop-filter: blur(4px);
}
.banner-stats .stat strong { display: block; font-size: 26px; color: var(--orange); font-family: var(--font-head); }
.banner-stats .stat span { font-size: 12.5px; color: #d7e6fb; }

/* ---------------- How it works ---------------- */
.steps-section { padding: 90px 0; background: var(--bg-soft); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; position: relative; }
.step-card { background: #fff; border-radius: var(--radius-md); padding: 34px 28px; box-shadow: var(--shadow-sm); position: relative; }
.step-card .step-num {
  position: absolute;
  top: -18px; left: 28px;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: #fff;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 18px rgba(201,138,44,0.4);
}
.step-card h3 { margin: 18px 0 10px; font-size: 18px; }
.step-card p { color: var(--text-light); font-size: 14.5px; }

/* ---------------- Expert help / consultation section ---------------- */
.expert-section { padding: 90px 0; }
.expert-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.expert-media { position: relative; }
.media-panel {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  aspect-ratio: 4 / 3.1;
  background: radial-gradient(700px 400px at 20% 0%, #1f6f60 0%, var(--navy) 65%), var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.media-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.07) 1px, transparent 1px);
  background-size: 24px 24px;
}
.media-panel svg { position: relative; }
.expert-media .float-card {
  position: absolute;
  bottom: -24px; left: -24px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.expert-media .float-card .icon-circle {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--green);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.expert-media .float-card strong { display: block; font-size: 15px; color: var(--navy); }
.expert-media .float-card span { font-size: 12.5px; color: var(--text-light); }

.expert-copy .checklist { margin: 24px 0; display: flex; flex-direction: column; gap: 14px; }
.expert-copy .checklist li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; color: var(--text-dark); }
.expert-copy .checklist .tick {
  width: 22px; height: 22px;
  background: rgba(90,156,94,0.12);
  color: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
}

/* ---------------- Community section ---------------- */
.community-section {
  position: relative;
  padding: 100px 0;
  background: linear-gradient(160deg, var(--blue-dark) 0%, var(--navy) 60%);
  color: #fff;
  text-align: center;
  overflow: hidden;
}
.community-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
}
.community-section .container { position: relative; }
.community-section h2 { color: #fff; font-size: clamp(26px, 3.4vw, 38px); margin-bottom: 16px; }
.community-section p { color: #d7e6fb; max-width: 640px; margin: 0 auto 34px; font-size: 17px; }
.community-badges { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; margin-top: 40px; }
.community-badges .badge { text-align: center; }
.community-badges strong { display: block; font-size: 30px; font-family: var(--font-head); color: var(--orange); }
.community-badges span { color: #cfe0f5; font-size: 13px; }

/* ---------------- FAQ ---------------- */
.faq-section { padding: 90px 0; }
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; background: #fff; }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 15.5px;
}
.faq-question .plus {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--bg-soft);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: transform 0.25s ease, background 0.25s ease, color 0.25s ease;
  font-size: 16px;
}
.faq-item.active .faq-question .plus { background: var(--blue); color: #fff; transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-answer p { padding: 0 24px 20px; color: var(--text-light); font-size: 14.5px; }
.faq-item.active .faq-answer { max-height: 260px; }

/* ---------------- Final CTA ---------------- */
.final-cta {
  background: linear-gradient(135deg, var(--blue-dark), var(--navy));
  padding: 64px 0;
  text-align: center;
  color: #fff;
}
.final-cta h2 { color: #fff; font-size: clamp(24px, 3vw, 32px); margin-bottom: 14px; }
.final-cta p { color: #cfe0f5; margin-bottom: 26px; }

/* ---------------- Footer ---------------- */
.site-footer { background: var(--navy); color: #b9cbe4; padding: 64px 0 0; font-size: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand img { height: 36px; margin-bottom: 16px; filter: brightness(0) invert(1); }
.footer-brand p { color: #9fb3cc; font-size: 13.5px; line-height: 1.7; }
.footer-col h4 { color: #fff; font-size: 15px; margin-bottom: 18px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: #b9cbe4; font-size: 13.8px; }
.footer-col a:hover { color: var(--orange); }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; font-size: 13.8px; }
.footer-legal {
  padding: 24px 0;
  font-size: 12px;
  color: #7f93ad;
  line-height: 1.7;
}
.footer-legal .copyright { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; margin-bottom: 16px; }
.footer-legal .copyright a { color: #b9cbe4; }

/* Simple legal/thankyou page shell */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark), var(--navy));
  color: #fff;
  padding: 70px 0 50px;
  text-align: center;
}
.page-hero h1 { color: #fff; font-size: clamp(28px, 4vw, 40px); }
.page-hero p { color: #cfe0f5; margin-top: 10px; }
.legal-content { padding: 60px 0 90px; }
.legal-content .container { max-width: 860px; }
.legal-content h2 { font-size: 21px; margin: 34px 0 12px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--text-light); font-size: 15px; margin-bottom: 12px; }
.legal-content ul { padding-left: 22px; list-style: disc; }
.legal-content .updated { color: var(--text-light); font-size: 13px; margin-bottom: 30px; }

.thankyou-section { padding: 100px 0; text-align: center; }
.thankyou-section .icon-circle {
  width: 90px; height: 90px;
  border-radius: 50%;
  background: rgba(90,156,94,0.12);
  color: var(--green);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 26px;
}
.thankyou-section h1 { font-size: clamp(26px, 3.6vw, 36px); margin-bottom: 14px; }
.thankyou-section p { color: var(--text-light); max-width: 560px; margin: 0 auto 30px; font-size: 16px; }
.thankyou-steps { max-width: 640px; margin: 40px auto 0; display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; text-align: left; }
.thankyou-steps .step { background: var(--bg-soft); border-radius: var(--radius-md); padding: 20px; }
.thankyou-steps .step strong { display: block; color: var(--navy); margin-bottom: 6px; font-size: 14px; }
.thankyou-steps .step span { font-size: 13px; color: var(--text-light); }

/* ---------------- Responsive ---------------- */
@media (max-width: 992px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-media-order { order: -1; }
  .qualify-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .expert-grid { grid-template-columns: 1fr; }
  .expert-grid.reverse .expert-media { order: -1; }
  .image-banner .container { grid-template-columns: 1fr; text-align: center; }
  .image-banner p { margin-left: auto; margin-right: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .main-nav { display: none; }
}
@media (max-width: 640px) {
  .two-col { grid-template-columns: 1fr; }
  .qualify-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .top-bar .top-bar-right { display: none; }
  .header-phone span { display: none; }
  .quote-form-wrapper { padding: 26px 20px; }
  .community-badges { gap: 24px; }
  .thankyou-steps { grid-template-columns: 1fr; }
}