/* ============================================================
   BARRIER INSURANCE & FINANCIAL — Main Stylesheet
   Colors: Blue (#1B4F8A primary), Yellow (#F5C200 accent)
   Replace hex values below once final brand colors are confirmed
   ============================================================ */

:root {
  --blue-primary: #05668d;   /* dark teal — primary brand blue */
  --blue-light:   #689abd;   /* medium blue — secondary/accents */
  --blue-dark:    #044d6a;   /* darkened teal for hover states */
  --yellow:       #fdca40;   /* brand gold/yellow */
  --yellow-dark:  #e0b030;   /* darkened yellow for hover */
  --charcoal:     #545454;   /* body text / dark UI elements */
  --white:        #FFFFFF;
  --off-white:    #ebf2fa;   /* brand light background */
  --gray-light:   #d8e6f3;
  --gray-mid:     #8fa8c0;
  --text-dark:    #545454;   /* use brand charcoal for headings */
  --text-body:    #545454;
  --shadow:       0 4px 20px rgba(5,102,141,0.12);
  --radius:       10px;
  --radius-lg:    16px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Nunito', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
}

h1, h2, h3, h4, h5, h6,
.logo-text, .hero-headline, .section-headline,
.how-content h2, .wills-content h2, .final-cta h2,
.nav-links a, .feature-card h3 {
  font-family: 'Comfortaa', sans-serif;
}

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section-padded { padding: 80px 0; }
.text-center { text-align: center; }
.bg-light { background: var(--off-white); }
.bg-dark  { background: var(--blue-primary); color: var(--white); }

/* ---- BUTTONS ---- */
.btn-primary {
  background: var(--blue-primary);
  color: var(--white);
  border: none;
  border-radius: 50px;
  padding: 0.75rem 2rem;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
}
.btn-primary:hover { background: var(--blue-dark); transform: translateY(-1px); }

.btn-yellow {
  background: var(--yellow);
  color: var(--blue-dark);
  border: none;
  border-radius: 50px;
  padding: 0.75rem 2rem;
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
}
.btn-yellow:hover { background: var(--yellow-dark); transform: translateY(-1px); }

.btn-ghost {
  background: transparent;
  color: var(--blue-primary);
  border: 2px solid var(--blue-primary);
  border-radius: 50px;
  padding: 0.65rem 1.5rem;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
}
.btn-ghost:hover { background: var(--blue-primary); color: var(--white); }

.btn-outline {
  background: transparent;
  color: var(--blue-primary);
  border: 2px solid var(--blue-primary);
  border-radius: 50px;
  padding: 0.75rem 2rem;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
}
.btn-outline:hover { background: var(--blue-primary); color: var(--white); }

.btn-large { padding: 1rem 2.5rem; font-size: 1.05rem; }

/* ---- NAV ---- */
.nav-wrapper {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--gray-light);
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  padding-top: 1rem;
  padding-bottom: 1rem;
}

.nav-logo { text-decoration: none; }

.logo-text {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--blue-primary);
  letter-spacing: -0.5px;
}
.logo-accent { color: var(--yellow); }
.logo-img {
  height: 44px;
  width: auto;
  /* SVG viewBox is wide; crop to just the logo content area */
  object-fit: contain;
}
.footer-logo {
  height: 36px;
  width: auto;
  /* Make white-on-dark visible: invert to white */
  filter: brightness(0) invert(1);
  margin-bottom: 0.5rem;
  display: block;
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 1.75rem;
  margin-left: auto;
}
.nav-links a {
  text-decoration: none;
  color: var(--text-body);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--blue-primary); }

/* Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  box-shadow: 0 8px 24px rgba(5,102,141,0.12);
  min-width: 210px;
  list-style: none;
  padding: 0.5rem 0;
  z-index: 200;
}
.dropdown-menu li a {
  display: block;
  padding: 0.65rem 1.25rem;
  font-size: 0.875rem;
  color: var(--text-dark);
  white-space: nowrap;
}
.dropdown-menu li a:hover {
  background: var(--off-white);
  color: var(--blue-primary);
}
.nav-dropdown:hover .dropdown-menu { display: block; }

.nav-actions {
  display: flex;
  gap: 0.75rem;
  align-items: center;
  margin-left: 1rem;
}

.nav-hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--blue-primary);
  margin-left: auto;
}

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  padding: 1rem 1.5rem;
  border-top: 1px solid var(--gray-light);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  padding: 0.65rem 0;
  text-decoration: none;
  color: var(--text-dark);
  font-weight: 500;
  border-bottom: 1px solid var(--gray-light);
}
.mobile-section {
  display: block;
  padding: 0.75rem 0 0.25rem;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--blue-primary);
}
.mobile-sub {
  padding-left: 0.75rem !important;
  font-size: 0.9rem !important;
  color: var(--charcoal) !important;
}
.mobile-menu .mobile-cta {
  background: var(--blue-primary);
  color: var(--white);
  text-align: center;
  border-radius: 50px;
  margin-top: 1rem;
  padding: 0.75rem;
  border-bottom: none;
}

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--blue-primary) 0%, #033d57 100%);
  color: var(--white);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.trust-badges {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.badge {
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 0.4rem 0.8rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  font-size: 0.75rem;
}
.badge-stars { color: var(--yellow); font-size: 0.65rem; }
.badge-label { font-weight: 600; margin-top: 2px; }

.hero-headline {
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 1rem;
}
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 2rem;
  max-width: 420px;
}

.hero-awards {
  display: flex;
  gap: 1.5rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}
.award-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
}
.award-icon { font-size: 1.1rem; }

.hero-image { display: flex; justify-content: center; }
.hero-img-placeholder {
  width: 320px;
  height: 360px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  border: 2px dashed rgba(255,255,255,0.3);
  gap: 1rem;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
}
.family-icon { font-size: 5rem; }

/* ---- REVIEWS ---- */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  transition: transform 0.2s;
}
.review-card:hover { transform: translateY(-3px); }

.review-source {
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}
.review-source.google { color: #4285F4; }
.review-source.trustpilot { color: #00B67A; }

.review-stars { color: var(--yellow); font-size: 0.9rem; margin-bottom: 0.75rem; }
.review-text { font-size: 0.9rem; color: var(--text-body); margin-bottom: 0.75rem; font-style: italic; }
.reviewer { font-size: 0.8rem; color: var(--gray-mid); font-weight: 600; }

/* ---- VALUE PROP ---- */
.section-headline {
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 3rem;
  line-height: 1.25;
}
.section-sub {
  color: var(--text-body);
  font-size: 1rem;
  margin-bottom: 2.5rem;
  margin-top: -1.5rem;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 2rem 1.25rem;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform 0.2s, box-shadow 0.2s;
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 30px rgba(27,79,138,0.18);
}
.feature-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.feature-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--text-dark); line-height: 1.4; }

/* ---- HOW IT WORKS ---- */
.how-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.phone-frame {
  width: 240px;
  height: 480px;
  background: var(--blue-dark);
  border-radius: 36px;
  border: 8px solid var(--blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  box-shadow: 0 20px 60px rgba(27,79,138,0.3);
}
.phone-screen {
  width: 100%;
  height: 100%;
  background: var(--white);
  border-radius: 28px;
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.phone-logo {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--blue-primary);
}
.phone-logo span { color: var(--yellow); }

.phone-form { display: flex; flex-direction: column; gap: 0.75rem; margin-top: 0.5rem; }
.form-line {
  height: 10px;
  background: var(--gray-light);
  border-radius: 6px;
  width: 100%;
}
.form-line.short { width: 60%; }
.phone-btn {
  background: var(--blue-primary);
  color: var(--white);
  border: none;
  border-radius: 50px;
  padding: 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: default;
  margin-top: 0.5rem;
}

.how-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--blue-light);
  margin-bottom: 0.75rem;
}
.how-content h2 {
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 800;
  line-height: 1.3;
  color: var(--text-dark);
  margin-bottom: 1rem;
}
.how-sub {
  color: var(--text-body);
  margin-bottom: 2rem;
}

/* ---- COMPARISON TABLE ---- */
.table-wrapper {
  max-width: 700px;
  margin: 0 auto 2.5rem;
  overflow-x: auto;
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.comparison-table th, .comparison-table td {
  padding: 1rem 1.25rem;
  text-align: center;
  border-bottom: 1px solid var(--gray-light);
}
.comparison-table th { background: var(--blue-primary); color: var(--white); font-weight: 700; font-size: 0.95rem; }
.comparison-table td:first-child { text-align: left; color: var(--text-body); font-size: 0.95rem; }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:nth-child(even) { background: var(--off-white); }

.col-barrier { background: var(--blue-light) !important; }
.table-logo { font-weight: 800; font-size: 1rem; }
.table-logo span { color: var(--yellow); }

.check { font-size: 1.1rem; font-weight: 700; }
.check.yes { color: #22C55E; }
.check.no  { color: #EF4444; }

/* ---- WILLS ---- */
.wills-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.wills-content h2 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 1rem;
}
.wills-content p { color: rgba(255,255,255,0.8); margin-bottom: 2rem; max-width: 400px; }
.wills-img-placeholder {
  font-size: 8rem;
  text-align: center;
  opacity: 0.6;
}

/* ---- FAQ ---- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--gray-light);
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 1.25rem 0;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color 0.2s;
}
.faq-question:hover { color: var(--blue-primary); }
.faq-icon {
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--blue-primary);
  transition: transform 0.3s;
  flex-shrink: 0;
}
.faq-question[aria-expanded="true"] .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s;
}
.faq-answer.open {
  max-height: 200px;
  padding-bottom: 1.25rem;
}
.faq-answer p { color: var(--text-body); font-size: 0.95rem; }

/* ---- FINAL CTA ---- */
.final-cta h2 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 1rem;
}
.final-cta p {
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  margin: 0 auto 2rem;
  font-size: 0.95rem;
}

/* ---- FOOTER ---- */
.footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,0.75);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr;
  gap: 2rem;
  padding-bottom: 3rem;
}
.footer-brand .logo-text { font-size: 1.4rem; display: block; margin-bottom: 0.4rem; }
.footer-tagline { font-size: 0.8rem; margin-bottom: 1.25rem; opacity: 0.7; }

.footer-social { display: flex; gap: 0.75rem; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  text-decoration: none;
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  transition: background 0.2s;
}
.footer-social a:hover { background: var(--yellow); color: var(--blue-dark); }

.footer-col h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 1rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.6rem; }
.footer-col ul li, .footer-col ul a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-col ul a:hover { color: var(--yellow); }

.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}
.footer-legal-links { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-legal-links a { color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-legal-links a:hover { color: var(--yellow); }
.legal-disclaimer { max-width: 700px; line-height: 1.6; }

/* ============================================================
   ARTICLE / INNER PAGES
   ============================================================ */

.breadcrumb {
  padding: 0.85rem 0;
  font-size: 0.8rem;
  color: var(--gray-mid);
  border-bottom: 1px solid var(--gray-light);
  background: var(--white);
}
.breadcrumb a { color: var(--blue-primary); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { margin: 0 0.4rem; }

.article-hero {
  background: var(--off-white);
  padding: 52px 0 0;
  overflow: hidden;
}
.article-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: end;
}
.article-hero-content { padding-bottom: 48px; }
.article-hero-content h1 {
  font-size: clamp(1.75rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 0.85rem;
}
.article-hero-content p {
  font-size: 1rem;
  color: var(--text-body);
  max-width: 480px;
  line-height: 1.65;
}
.article-hero-img {
  height: 300px;
  background: linear-gradient(135deg, var(--blue-light) 0%, var(--blue-primary) 100%);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 6rem;
}

.article-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 3rem;
  align-items: start;
  padding: 48px 0 80px;
}

.toc-sidebar { position: sticky; top: 80px; }
.toc-box {
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.toc-box h4 {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.9px;
  color: var(--blue-primary);
  margin-bottom: 1rem;
}
.toc-box ul { list-style: none; display: flex; flex-direction: column; gap: 0.4rem; }
.toc-box ul li a {
  font-size: 0.85rem;
  color: var(--text-body);
  text-decoration: none;
  line-height: 1.45;
  display: block;
  padding: 0.2rem 0;
  border-left: 2px solid transparent;
  padding-left: 0.6rem;
  transition: color 0.2s, border-color 0.2s;
}
.toc-box ul li a:hover { color: var(--blue-primary); border-left-color: var(--blue-primary); }

.article-content h2 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text-dark);
  margin: 2.75rem 0 1rem;
  scroll-margin-top: 90px;
  padding-top: 0.25rem;
}
.article-content h2:first-child { margin-top: 0; }
.article-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-dark);
  margin: 1.75rem 0 0.6rem;
  scroll-margin-top: 90px;
}
.article-content p {
  color: var(--text-body);
  font-size: 0.95rem;
  margin-bottom: 1rem;
  line-height: 1.75;
}
.article-content ul, .article-content ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
  color: var(--text-body);
  font-size: 0.95rem;
}
.article-content li { margin-bottom: 0.45rem; line-height: 1.65; }
.article-content strong { color: var(--text-dark); }

.article-cta {
  background: var(--blue-primary);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  margin: 2.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.article-cta-text h3 { color: var(--white); font-size: 1.2rem; margin-bottom: 0.4rem; }
.article-cta-text p { color: rgba(255,255,255,0.85); font-size: 0.9rem; margin: 0; }

.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin: 1.5rem 0;
}
.pros-box, .cons-box {
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
}
.pros-box { background: #f0fdf4; border: 1px solid #bbf7d0; }
.cons-box { background: #fef2f2; border: 1px solid #fecaca; }
.pros-box h4 { color: #15803d; margin-bottom: 0.75rem; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.5px; }
.cons-box h4 { color: #b91c1c; margin-bottom: 0.75rem; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.5px; }
.pros-box ul, .cons-box ul { list-style: none; padding: 0; font-size: 0.875rem; }
.pros-box li { padding-left: 1.2rem; position: relative; margin-bottom: 0.5rem; color: #166534; }
.pros-box li::before { content: "✓"; position: absolute; left: 0; color: #16a34a; font-weight: 700; }
.cons-box li { padding-left: 1.2rem; position: relative; margin-bottom: 0.5rem; color: #991b1b; }
.cons-box li::before { content: "✗"; position: absolute; left: 0; color: #dc2626; font-weight: 700; }

.estimate-widget {
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin: 2.5rem 0;
}
.estimate-widget h3 { font-size: 1.2rem; margin-bottom: 1.5rem; color: var(--text-dark); }
.estimate-form {
  display: grid;
  grid-template-columns: repeat(4, 1fr) auto;
  gap: 1rem;
  align-items: end;
}
.estimate-field label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gray-mid);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.estimate-field select, .estimate-field input {
  width: 100%;
  padding: 0.65rem 0.75rem;
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--white);
}

.pricing-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.875rem;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.pricing-table th {
  background: var(--blue-primary);
  color: var(--white);
  padding: 0.875rem 1rem;
  text-align: center;
  font-weight: 700;
  font-size: 0.85rem;
}
.pricing-table th:first-child { text-align: left; }
.pricing-table td {
  padding: 0.75rem 1rem;
  text-align: center;
  border-bottom: 1px solid var(--gray-light);
  color: var(--text-body);
}
.pricing-table td:first-child { text-align: left; font-weight: 600; color: var(--text-dark); }
.pricing-table tr:nth-child(even) { background: var(--off-white); }
.pricing-table tr:last-child td { border-bottom: none; }
.pricing-table .col-highlight { background: #dbeafe !important; font-weight: 700; color: var(--blue-dark) !important; }

.related-articles { padding: 56px 0; background: var(--off-white); border-top: 1px solid var(--gray-light); }
.related-articles h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 1.5rem; color: var(--text-dark); }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.related-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-decoration: none;
  color: var(--text-dark);
  transition: box-shadow 0.2s, transform 0.2s;
  display: block;
}
.related-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.related-card .tag {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--blue-primary);
  margin-bottom: 0.5rem;
  display: block;
  letter-spacing: 0.5px;
}
.related-card h4 { font-size: 0.9rem; font-weight: 700; line-height: 1.4; color: var(--text-dark); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .section-padded { padding: 56px 0; }

  .nav-links, .nav-actions { display: none; }
  .nav-hamburger { display: block; }

  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-image { display: none; }
  .hero-sub { margin: 0 auto 2rem; }
  .trust-badges { justify-content: center; }
  .hero-awards { justify-content: center; }

  .reviews-grid { grid-template-columns: 1fr; }
  .how-inner { grid-template-columns: 1fr; }
  .how-content { text-align: center; }
  .wills-inner { grid-template-columns: 1fr; text-align: center; }
  .wills-img-placeholder { display: none; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .features-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-legal-links { flex-direction: column; gap: 0.5rem; }
}

@media (max-width: 960px) {
  .article-layout { grid-template-columns: 1fr; }
  .toc-sidebar { position: static; }
  .article-hero-inner { grid-template-columns: 1fr; }
  .article-hero-img { display: none; }
  .pros-cons { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr 1fr; }
  .estimate-form { grid-template-columns: 1fr 1fr; }
  .article-cta { flex-direction: column; text-align: center; }
}

@media (max-width: 540px) {
  .estimate-form { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   LANDING PAGE — Redesigned Homepage
   ============================================================ */

/* ---- LP HERO ---- */
.lp-hero {
  background: var(--off-white);
  padding: 60px 0 80px;
}
.lp-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  min-height: calc(100vh - 76px);
}

.hero-left {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(5,102,141,0.08);
  color: var(--blue-primary);
  font-family: 'Comfortaa', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 50px;
  border: 1.5px solid rgba(5,102,141,0.2);
  width: fit-content;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
.hero-badge::before { content: '🛡️'; font-size: 0.9rem; }

.hero-left h1 {
  font-family: 'Comfortaa', sans-serif;
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 700;
  color: var(--blue-primary);
  line-height: 1.2;
}
.hero-left h1 em {
  font-style: normal;
  color: var(--yellow);
}
.hero-left > p {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--text-body);
  max-width: 480px;
}

.trust-row {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue-primary);
}
.trust-check {
  width: 22px;
  height: 22px;
  background: var(--yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: var(--charcoal);
  font-weight: 900;
  flex-shrink: 0;
}

.lp-hero-cta { width: fit-content; }

/* Photo Card */
.hero-right {
  display: flex;
  justify-content: center;
  align-items: center;
}
.photo-card {
  position: relative;
  width: 100%;
  max-width: 380px;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(5,102,141,0.22), 0 0 0 6px var(--yellow);
  aspect-ratio: 4/5;
}
.photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
}
.photo-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: linear-gradient(to top, rgba(5,102,141,0.95) 0%, transparent 70%);
  padding: 48px 24px 24px;
}
.photo-name {
  font-family: 'Comfortaa', sans-serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--white);
}
.photo-title {
  font-size: 0.82rem;
  color: var(--yellow);
  font-weight: 600;
  margin-top: 4px;
  letter-spacing: 0.3px;
}
.photo-tag {
  position: absolute;
  top: 20px;
  right: -8px;
  background: var(--yellow);
  color: var(--charcoal);
  font-family: 'Comfortaa', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 8px 18px 8px 14px;
  border-radius: 6px 0 0 6px;
  box-shadow: -4px 4px 12px rgba(0,0,0,0.15);
  letter-spacing: 0.3px;
  z-index: 2;
}

/* ---- QUOTE FORM ---- */
.form-section {
  background: var(--white);
  padding: 80px 1.5rem;
}
.form-container { max-width: 780px; margin: 0 auto; }
.form-header {
  text-align: center;
  margin-bottom: 48px;
}
.form-header h2 {
  font-family: 'Comfortaa', sans-serif;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--blue-primary);
  font-weight: 700;
  margin-bottom: 12px;
}
.form-header p {
  font-size: 1rem;
  color: var(--text-body);
  opacity: 0.75;
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Step Indicator */
.step-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 48px;
}
.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}
.step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--off-white);
  border: 2px solid var(--gray-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Comfortaa', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gray-mid);
  transition: all 0.3s;
}
.step.active .step-num { background: var(--blue-primary); border-color: var(--blue-primary); color: var(--white); }
.step.done .step-num   { background: var(--yellow);       border-color: var(--yellow);       color: var(--charcoal); }
.step-label {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--gray-mid);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.step.active .step-label { color: var(--blue-primary); }
.step.done .step-label   { color: var(--yellow-dark); }
.step-line {
  width: 80px;
  height: 2px;
  background: var(--gray-light);
  margin-bottom: 22px;
  flex-shrink: 0;
  transition: background 0.3s;
}
.step-line.done { background: var(--yellow); }

/* Question Blocks */
.q-block {
  margin-bottom: 40px;
  animation: lpFadeUp 0.4s ease both;
}
@keyframes lpFadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.q-label {
  font-family: 'Comfortaa', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--blue-primary);
  margin-bottom: 16px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.q-num {
  background: var(--blue-primary);
  color: var(--white);
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

.options-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.opt-btn {
  background: var(--off-white);
  border: 2px solid transparent;
  border-radius: 14px;
  padding: 16px 18px;
  text-align: left;
  cursor: pointer;
  font-family: 'Nunito', sans-serif;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-dark);
  transition: all 0.2s;
  display: flex;
  align-items: center;
  gap: 12px;
}
.opt-btn::before {
  content: '';
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid var(--gray-mid);
  flex-shrink: 0;
  transition: all 0.2s;
}
.opt-btn:hover {
  border-color: var(--blue-light);
  background: rgba(104,154,189,0.08);
  transform: translateY(-1px);
}
.opt-btn.selected {
  border-color: var(--blue-primary);
  background: rgba(5,102,141,0.06);
  color: var(--blue-primary);
}
.opt-btn.selected::before {
  background: var(--blue-primary);
  border-color: var(--blue-primary);
  box-shadow: inset 0 0 0 4px var(--white);
}

.input-field {
  width: 100%;
  padding: 16px 20px;
  border: 2px solid var(--gray-light);
  border-radius: 14px;
  font-family: 'Nunito', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  background: var(--off-white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.input-field:focus {
  border-color: var(--blue-primary);
  box-shadow: 0 0 0 4px rgba(5,102,141,0.1);
  background: var(--white);
}

@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20%       { transform: translateX(-6px); }
  40%       { transform: translateX(6px); }
  60%       { transform: translateX(-4px); }
  80%       { transform: translateX(4px); }
}

.options-grid[data-error="true"] .opt-btn {
  border-color: #e53e3e;
  background: #fff5f5;
}
.options-grid[data-error="true"]::after {
  content: 'Please select an option to continue.';
  display: block;
  grid-column: 1 / -1;
  color: #e53e3e;
  font-size: 0.8rem;
  font-weight: 600;
  margin-top: 4px;
}
.options-grid[data-error="true"] {
  animation: shake 0.35s ease;
}

.input-field.input-error {
  border-color: #e53e3e;
  background: #fff5f5;
  animation: shake 0.35s ease;
}
.input-field.input-error::placeholder { color: #e53e3e; }

.input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.submit-btn {
  width: 100%;
  background: linear-gradient(135deg, var(--blue-primary) 0%, var(--blue-dark) 100%);
  color: var(--white);
  font-family: 'Comfortaa', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  padding: 20px 40px;
  border: none;
  border-radius: 16px;
  cursor: pointer;
  margin-top: 12px;
  transition: transform 0.2s, box-shadow 0.2s;
  letter-spacing: 0.3px;
  box-shadow: 0 8px 24px rgba(5,102,141,0.3);
}
.submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(5,102,141,0.38);
}
.submit-btn:active { transform: translateY(0); }

.form-disclaimer {
  text-align: center;
  margin-top: 16px;
  font-size: 0.78rem;
  color: var(--gray-mid);
  line-height: 1.5;
}
.form-disclaimer a { color: var(--blue-light); text-decoration: none; }
.form-disclaimer a:hover { text-decoration: underline; }

/* Success Screen */
.success-screen {
  display: none;
  text-align: center;
  padding: 60px 20px;
  animation: lpFadeUp 0.5s ease both;
}
.success-screen.visible { display: block; }
.success-icon {
  width: 80px;
  height: 80px;
  background: var(--yellow);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--charcoal);
  margin: 0 auto 24px;
}
.success-screen h2 {
  font-family: 'Comfortaa', sans-serif;
  font-size: 1.8rem;
  color: var(--blue-primary);
  font-weight: 700;
  margin-bottom: 12px;
}
.success-screen p {
  font-size: 1rem;
  color: var(--text-body);
  max-width: 420px;
  margin: 0 auto 32px;
  line-height: 1.65;
}
.success-cta-row {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}
.success-btn {
  text-decoration: none;
  padding: 14px 28px;
  font-size: 1rem;
  font-weight: 700;
  border-radius: 50px;
}

/* ---- WHY BARRIER ---- */
.why-section {
  background: var(--off-white);
  padding: 80px 1.5rem;
}
.why-container { max-width: 1100px; margin: 0 auto; }

.section-title {
  font-family: 'Comfortaa', sans-serif;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  color: var(--blue-primary);
  font-weight: 700;
  text-align: center;
  margin-bottom: 12px;
}
.why-sub {
  text-align: center;
  color: var(--text-body);
  font-size: 0.95rem;
  margin-bottom: 52px;
  line-height: 1.65;
  opacity: 0.75;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.why-card {
  background: var(--white);
  border-radius: 20px;
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: transform 0.2s, box-shadow 0.2s;
  border-top: 4px solid var(--yellow);
}
.why-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(5,102,141,0.15);
}
.why-icon { font-size: 2rem; margin-bottom: 16px; display: block; }
.why-card h3 {
  font-family: 'Comfortaa', sans-serif;
  font-size: 1.05rem;
  color: var(--blue-primary);
  font-weight: 700;
  margin-bottom: 10px;
}
.why-card p {
  font-size: 0.88rem;
  line-height: 1.65;
  color: var(--text-body);
}

/* ---- TESTIMONIAL ---- */
.testimonial-section {
  background: linear-gradient(135deg, var(--blue-primary) 0%, #02445e 100%);
  padding: 80px 1.5rem;
  text-align: center;
}
.testimonial-section .stars {
  color: var(--yellow);
  font-size: 1.4rem;
  margin-bottom: 20px;
}
.testimonial-section blockquote {
  font-family: 'Comfortaa', sans-serif;
  font-size: clamp(1.1rem, 2vw, 1.45rem);
  color: var(--white);
  font-weight: 600;
  max-width: 700px;
  margin: 0 auto 24px;
  line-height: 1.65;
  font-style: italic;
}
.testimonial-section blockquote::before { content: '\201C'; }
.testimonial-section blockquote::after  { content: '\201D'; }
.testimonial-author {
  color: var(--yellow);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* ---- RESPONSIVE — LANDING PAGE ---- */
@media (max-width: 960px) {
  .why-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .lp-hero-inner {
    grid-template-columns: 1fr;
    padding: 0 1.5rem;
    gap: 40px;
    min-height: auto;
  }
  .hero-right { order: -1; }
  .photo-card { max-width: 280px; margin: 0 auto; }
  .hero-left h1 { text-align: center; }
  .hero-left > p { text-align: center; margin: 0 auto; }
  .trust-row { justify-content: center; }
  .lp-hero-cta { margin: 0 auto; }
}

@media (max-width: 600px) {
  .why-grid { grid-template-columns: 1fr; }
  .options-grid { grid-template-columns: 1fr; }
  .input-row { grid-template-columns: 1fr; }
  .lp-hero { padding: 40px 0 60px; }
  .form-section,
  .why-section,
  .testimonial-section { padding: 60px 1.5rem; }
}