/* =============================================================
   [Your Agency Name] — Final Expense Funnel
   Shared stylesheet for index.html, thank-you.html, privacy.html, terms.html
============================================================= */

:root{
  --navy:#16303D;
  --navy-deep:#0F232D;
  --navy-light:#294B5B;
  --teal:#3E7268;
  --teal-light:#EAF1EE;
  --gold:#C0923C;
  --gold-light:#E7C983;
  --cream:#FAF6ED;
  --cream-alt:#F2EBDA;
  --ink:#23262A;
  --ink-soft:#54595E;
  --line:#DDD3BC;
  --white:#FFFFFF;
  --radius:14px;
  --shadow: 0 12px 32px rgba(22,48,61,0.10);
  --focus: 3px solid #1F6FEB;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:'Public Sans', -apple-system, sans-serif;
  font-size:18px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.display{
  font-family:'Fraunces', Georgia, serif;
  color:var(--navy-deep);
  line-height:1.15;
  margin:0 0 .5em;
  font-weight:600;
}
p{margin:0 0 1em;}
a{color:inherit;}
img{max-width:100%;display:block;}
button{font-family:inherit;cursor:pointer;}
:focus-visible{outline:var(--focus);outline-offset:3px;}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px;}
.eyebrow{
  text-transform:uppercase;
  letter-spacing:.12em;
  font-size:14px;
  font-weight:700;
  color:var(--teal);
}
section{padding:76px 0;}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:17px 30px;
  border-radius:10px;
  font-weight:700;
  font-size:19px;
  border:2px solid transparent;
  text-decoration:none;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover{transform:translateY(-1px);}
.btn-primary{background:var(--gold);color:var(--navy-deep);box-shadow:0 8px 20px rgba(192,146,60,.35);}
.btn-primary:hover{background:var(--gold-light);}
.btn-outline{background:transparent;border-color:var(--white);color:var(--white);}
.btn-outline:hover{background:rgba(255,255,255,.12);}
.btn-block{width:100%;}
.btn-navy{background:var(--navy);color:var(--white);}
.btn-navy:hover{background:var(--navy-light);}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy-deep);color:var(--white);}
.topbar .wrap{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 24px;
}
.topbar .brand{
  font-family:'Fraunces',serif;font-weight:600;font-size:21px;color:var(--white);
  text-decoration:none;letter-spacing:.01em;
}
.topbar .call{
  display:flex;align-items:center;gap:10px;
  font-weight:700;text-decoration:none;color:var(--gold-light);font-size:17px;
}
.topbar .call small{display:block;font-weight:500;color:#C7D3D8;font-size:12px;letter-spacing:.05em;}

/* ---------- Hero ---------- */
.hero{
  background:radial-gradient(1100px 500px at 78% -10%, #1D4351 0%, var(--navy) 46%, var(--navy-deep) 100%);
  color:var(--white);
  padding:64px 0 84px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";position:absolute;right:-120px;bottom:-160px;width:420px;height:420px;
  border-radius:50%;background:radial-gradient(circle, rgba(192,146,60,.22), transparent 70%);
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;position:relative;z-index:1;}
.hero h1{color:var(--white);font-size:clamp(34px,4.4vw,52px);max-width:15ch;}
.hero .sub{font-size:20px;color:#DCE6E9;max-width:46ch;margin-bottom:28px;}
.checklist{list-style:none;margin:0 0 34px;padding:0;display:grid;gap:14px;}
.checklist li{display:flex;gap:12px;align-items:flex-start;font-size:18px;color:#EDF2F1;}
.checklist .mark{
  flex:0 0 26px;height:26px;border-radius:50%;background:var(--gold);color:var(--navy-deep);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;margin-top:2px;
}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center;}
.hero-note{font-size:14px;color:#B7C4C9;margin-top:14px;}

.hero-card{
  background:var(--white);border-radius:18px;padding:30px;box-shadow:0 30px 60px rgba(0,0,0,.35);
  color:var(--ink);
}
.hero-card .tag{font-size:13px;font-weight:700;color:var(--teal);text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px;}
.hero-card h3{font-size:22px;margin-bottom:16px;}

/* ---------- Trust strip ---------- */
.trust-strip{background:var(--white);border-bottom:1px solid var(--line);border-top:1px solid var(--line);}
.trust-strip .wrap{padding:26px 24px;}
.trust-strip p{text-align:center;font-size:14px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft);font-weight:700;margin-bottom:18px;}
.logo-row{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 34px;align-items:center;}
.logo-row img{height:34px;width:auto;opacity:.85;}
.logo-pill{
  font-family:'Fraunces',serif;font-weight:600;font-size:17px;color:var(--navy);
  opacity:.75;letter-spacing:.01em;
}

/* ---------- Calculator ---------- */
.calc-section{background:var(--cream-alt);}
.calc-header{max-width:640px;margin:0 auto 40px;text-align:center;}
.ledger{
  background:var(--white);
  border-radius:20px;
  box-shadow:var(--shadow);
  display:grid;grid-template-columns:1fr 1fr;
  overflow:hidden;
}
.ledger-inputs{padding:44px;border-right:1px solid var(--line);}
.ledger-output{
  padding:44px;background:var(--navy-deep);color:var(--white);
  display:flex;flex-direction:column;justify-content:center;
}
.field-group{margin-bottom:28px;}
.field-group:last-child{margin-bottom:0;}
.field-group label{display:flex;justify-content:space-between;font-weight:700;margin-bottom:10px;font-size:16px;}
.field-group label .val{color:var(--teal);font-family:'Fraunces',serif;font-weight:600;}
input[type="range"]{
  width:100%;height:6px;border-radius:4px;background:var(--line);appearance:none;outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  appearance:none;width:26px;height:26px;border-radius:50%;background:var(--gold);
  border:4px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,.3);cursor:pointer;
}
.pill-group{display:flex;gap:10px;flex-wrap:wrap;}
.pill-btn{
  padding:10px 18px;border-radius:999px;border:2px solid var(--line);background:var(--white);
  font-weight:600;font-size:15px;color:var(--ink);
}
.pill-btn[aria-pressed="true"]{border-color:var(--teal);background:var(--teal-light);color:var(--navy-deep);}
.estimate-label{font-size:14px;text-transform:uppercase;letter-spacing:.1em;color:#9FB3B8;font-weight:700;margin-bottom:8px;}
.estimate-figure{font-family:'Fraunces',serif;font-size:56px;font-weight:600;color:var(--gold-light);line-height:1;}
.estimate-figure span{font-size:22px;color:#C7D3D8;font-weight:500;}
.estimate-fine{font-size:14px;color:#9FB3B8;margin:14px 0 26px;}

/* ---------- How it works ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;}
.step-card{background:var(--white);border-radius:16px;padding:28px 24px;border:1px solid var(--line);}
.step-num{
  font-family:'Fraunces',serif;font-size:15px;font-weight:700;color:var(--gold);
  border:2px solid var(--gold);width:34px;height:34px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.step-card h3{font-size:19px;margin-bottom:8px;}
.step-card p{font-size:15.5px;color:var(--ink-soft);margin:0;}

/* ---------- Education / FAQ ---------- */
.edu-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.faq-item{background:var(--white);border:1px solid var(--line);border-radius:14px;overflow:hidden;}
.faq-q{
  width:100%;text-align:left;background:none;border:none;padding:22px 24px;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-weight:700;font-size:17px;color:var(--navy-deep);
}
.faq-q .icon{flex:0 0 auto;font-size:22px;color:var(--gold);transition:transform .2s ease;}
.faq-item[data-open="true"] .icon{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;padding:0 24px;}
.faq-item[data-open="true"] .faq-a{max-height:240px;padding:0 24px 22px;}
.faq-a p{color:var(--ink-soft);font-size:15.5px;margin:0;}

/* ---------- Reviews ---------- */
.reviews{background:var(--navy);color:var(--white);}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.review-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:26px;}
.stars{color:var(--gold-light);letter-spacing:2px;font-size:18px;margin-bottom:12px;}
.review-card p{color:#E7EEEF;font-size:16px;}
.review-name{font-weight:700;color:var(--white);font-size:15px;margin-top:14px;}
.placeholder-note{font-size:13px;color:#9FB3B8;text-align:center;margin-top:30px;}

/* ---------- Quote form ---------- */
.quote-section{background:var(--cream-alt);}
.quote-shell{
  max-width:640px;margin:0 auto;background:var(--white);border-radius:20px;box-shadow:var(--shadow);
  padding:44px;
}
.quote-shell .eyebrow{display:block;text-align:center;margin-bottom:8px;}
.quote-shell h2{text-align:center;font-size:28px;}
.quote-shell .sub{text-align:center;color:var(--ink-soft);margin-bottom:32px;}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-grid .full{grid-column:1 / -1;}
.form-field label{display:block;font-weight:700;font-size:14px;margin-bottom:7px;}
.form-field input, .form-field select{
  width:100%;padding:13px 14px;border-radius:9px;border:1.5px solid var(--line);
  font-size:16px;font-family:inherit;background:var(--white);color:var(--ink);
}
.form-field input:focus, .form-field select:focus{border-color:var(--teal);}
.tobacco-toggle{display:flex;gap:10px;}
.tobacco-toggle button{
  flex:1;padding:12px;border-radius:9px;border:1.5px solid var(--line);background:var(--white);font-weight:700;
}
.tobacco-toggle button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:var(--white);}
.quote-shell .btn{margin-top:8px;}
.trust-mini{display:flex;gap:18px;justify-content:center;margin-top:22px;font-size:13px;color:var(--ink-soft);flex-wrap:wrap;}
.trust-mini span{display:flex;align-items:center;gap:6px;}

/* ---------- Thank-you page ---------- */
.quote-shell.thankyou{text-align:center;}
.ty-icon{
  width:64px;height:64px;border-radius:50%;background:var(--teal-light);color:var(--teal);
  display:flex;align-items:center;justify-content:center;margin:0 auto 22px;font-size:30px;font-weight:800;
}
.countdown{
  font-family:'Fraunces',serif;font-size:20px;color:var(--navy);background:var(--cream-alt);
  border-radius:12px;padding:16px;margin:24px 0;
}

/* ---------- Simple legal pages ---------- */
.legal{padding:64px 0 90px;}
.legal .wrap{max-width:800px;}
.legal h1{font-size:34px;}
.legal h2{font-size:22px;margin-top:36px;}
.legal p, .legal li{color:var(--ink-soft);font-size:16.5px;}
.legal .updated{color:var(--ink-soft);font-size:14px;margin-bottom:36px;}

/* ---------- Footer ---------- */
footer{background:var(--navy-deep);color:#B7C4C9;padding:48px 0 32px;font-size:13.5px;}
footer .foot-brand{color:var(--white);font-family:'Fraunces',serif;font-size:19px;margin-bottom:14px;}
footer p{max-width:820px;line-height:1.7;color:#9FB3B8;}
footer .foot-links{margin-top:18px;display:flex;gap:20px;flex-wrap:wrap;}
footer .foot-links a{text-decoration:underline;color:#C7D3D8;}

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta{
  position:fixed;bottom:0;left:0;right:0;background:var(--navy-deep);padding:14px 18px;
  display:none;z-index:40;box-shadow:0 -8px 24px rgba(0,0,0,.25);
}

@media (max-width:920px){
  section{padding:56px 0;}
  .hero-grid{grid-template-columns:1fr;gap:40px;}
  .ledger{grid-template-columns:1fr;}
  .ledger-inputs{border-right:none;border-bottom:1px solid var(--line);}
  .steps{grid-template-columns:1fr 1fr;}
  .edu-grid{grid-template-columns:1fr;}
  .review-grid{grid-template-columns:1fr;}
  .form-grid{grid-template-columns:1fr;}
  .quote-shell{padding:30px 24px;}
  .topbar .brand{font-size:18px;}
  body{padding-bottom:76px;}
  .sticky-cta{display:block;}
}