/* Life Approved — modern insurance UI 2026 */
:root {
  --navy: #0B1F3A;
  --navy-deep: #071628;
  --navy-mid: #143055;
  --teal: #00C2A8;
  --teal-dark: #00A890;
  --sky: #E8F7F5;
  --sky-soft: #F4FBFA;
  --white: #FFFFFF;
  --coral: #FF6B4A;
  --coral-dark: #E85535;
  --gold: #F5C542;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --radius: 1rem;
  --radius-xl: 1.5rem;
  --radius-2xl: 1.75rem;
  --shadow-sm: 0 1px 2px rgba(11, 31, 58, 0.05);
  --shadow: 0 4px 24px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 12px 40px rgba(11, 31, 58, 0.12);
  --shadow-teal: 0 8px 32px rgba(0, 194, 168, 0.25);
  --font-sans: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  --font-serif: "Fraunces", Georgia, "Times New Roman", serif;
  --max: 1120px;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-dark); text-decoration: none; transition: color .2s; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy);
  line-height: 1.2;
  font-weight: 600;
  margin: 0 0 .75rem;
}
h1 { font-size: clamp(2.25rem, 5vw, 3.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); letter-spacing: -0.015em; }
h3 { font-size: 1.35rem; font-family: var(--font-sans); font-weight: 700; }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-left: 1.25rem; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.section { padding: 4.5rem 0; }
.section--sky { background: var(--sky); }
.section--navy { background: var(--navy); color: #dbe7f5; }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section--soft { background: var(--sky-soft); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: var(--font-sans);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--teal-dark);
  margin-bottom: .75rem;
}
.eyebrow::before {
  content: "";
  width: 1.25rem;
  height: 3px;
  background: var(--teal);
  border-radius: 2px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .875rem 1.5rem;
  border-radius: 999px;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: .95rem;
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform .15s, background .2s, box-shadow .2s, color .2s, border-color .2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn--coral {
  background: var(--coral);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(255, 107, 74, 0.35);
}
.btn--coral:hover { background: var(--coral-dark); color: var(--white); }
.btn--teal {
  background: var(--teal);
  color: var(--navy);
  box-shadow: var(--shadow-teal);
}
.btn--teal:hover { background: var(--teal-dark); color: var(--white); }
.btn--outline {
  background: transparent;
  border-color: rgba(255,255,255,.4);
  color: var(--white);
}
.btn--outline:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: var(--white); }
.btn--outline-navy {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn--outline-navy:hover { background: var(--navy); color: var(--white); }
.btn--ghost {
  background: var(--white);
  color: var(--navy);
  border-color: var(--gray-200);
}
.btn--ghost:hover { border-color: var(--teal); color: var(--teal-dark); }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }

/* Trust chips */
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  margin-top: 1.5rem;
}
.chip {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .4rem .85rem;
  background: rgba(245, 197, 66, 0.15);
  border: 1px solid rgba(245, 197, 66, 0.45);
  color: var(--navy);
  font-size: .8rem;
  font-weight: 600;
  border-radius: 999px;
}
.chip--teal {
  background: rgba(0, 194, 168, 0.12);
  border-color: rgba(0, 194, 168, 0.35);
}
.chip--light {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.25);
  color: #e8f0fa;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  height: var(--header-h);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: 1rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: .65rem;
  text-decoration: none;
  color: var(--navy);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}
.logo:hover { color: var(--navy); }
.logo-mark {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--teal) 100%);
  display: grid;
  place-items: center;
  color: white;
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: -.02em;
}
.logo span { color: var(--teal-dark); }
.nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.nav a {
  color: var(--gray-600);
  font-weight: 600;
  font-size: .9rem;
}
.nav a:hover { color: var(--navy); }
.nav-cta { margin-left: .5rem; }
.nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: .5rem;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  margin: 5px 0;
  border-radius: 2px;
}

@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav {
    position: fixed;
    inset: var(--header-h) 0 auto 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 1.25rem 1.5rem;
    gap: 0;
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow);
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a {
    padding: .85rem 0;
    border-bottom: 1px solid var(--gray-100);
  }
  .nav-cta { margin: .75rem 0 0; text-align: center; }
}

/* Hero */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse 80% 60% at 85% 20%, rgba(0,194,168,.18), transparent 50%),
    radial-gradient(ellipse 50% 40% at 10% 80%, rgba(255,107,74,.08), transparent 45%),
    linear-gradient(165deg, var(--navy-deep) 0%, var(--navy) 55%, #0e2a4d 100%);
  color: #dce6f2;
  padding: 4.5rem 0 5rem;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 64px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero h1 em {
  font-style: normal;
  color: var(--teal);
}
.hero-lead {
  font-size: 1.15rem;
  color: #b8c9dc;
  max-width: 36rem;
  margin-bottom: .5rem;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 1.75rem;
  box-shadow: var(--shadow-lg);
  color: var(--gray-800);
}
.hero-card h2 {
  font-family: var(--font-sans);
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: .35rem;
}
.hero-card .sub {
  font-size: .9rem;
  color: var(--gray-500);
  margin-bottom: 1.25rem;
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero::after { height: 40px; }
}

/* Cards */
.card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  border: 1px solid rgba(11,31,58,.04);
  height: 100%;
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card-link { text-decoration: none; color: inherit; display: block; }
.card-link:hover { color: inherit; }
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--sky);
  color: var(--teal-dark);
  display: grid;
  place-items: center;
  font-size: 1.35rem;
  margin-bottom: 1rem;
  font-weight: 700;
}
.card-tag {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--teal-dark);
  margin-bottom: .5rem;
}
.card h3 { margin-bottom: .5rem; }
.card p { color: var(--gray-600); font-size: .95rem; margin-bottom: 0; }
.card .meta {
  margin-top: 1rem;
  font-size: .8rem;
  color: var(--gray-400);
  font-weight: 600;
}
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Path chooser */
.path-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.path-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  text-decoration: none;
  color: inherit;
  transition: border-color .2s, box-shadow .2s, transform .2s;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.path-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-teal);
  transform: translateY(-2px);
  color: inherit;
}
.path-card .num {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--teal);
  font-weight: 600;
}
.path-card h3 { font-size: 1.05rem; margin: 0; }
.path-card p { font-size: .875rem; color: var(--gray-500); margin: 0; }
@media (max-width: 900px) { .path-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .path-grid { grid-template-columns: 1fr; } }

/* Methodology */
.method-list {
  display: grid;
  gap: 1rem;
  counter-reset: step;
}
.method-item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.25rem;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
}
.method-item::before {
  counter-increment: step;
  content: counter(step);
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: var(--navy);
  font-weight: 800;
  display: grid;
  place-items: center;
  font-size: 1.1rem;
}

/* Bio */
.bio-grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 2.5rem;
  align-items: start;
}
.bio-photo {
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  background: var(--navy);
}
.bio-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}
.cred-row {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin: 1.25rem 0;
}
.cred {
  background: var(--sky);
  border-radius: var(--radius);
  padding: 1rem 1.15rem;
  flex: 1;
  min-width: 140px;
}
.cred strong {
  display: block;
  color: var(--navy);
  font-size: .95rem;
  margin-bottom: .25rem;
}
.cred span { font-size: .8rem; color: var(--gray-500); }
@media (max-width: 760px) {
  .bio-grid { grid-template-columns: 1fr; }
  .bio-photo { max-width: 280px; margin: 0 auto; }
}

/* FAQ */
.faq-list { display: grid; gap: .75rem; max-width: 760px; }
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  overflow: hidden;
}
.faq-item summary {
  padding: 1.15rem 1.35rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.35rem;
  color: var(--teal);
  font-weight: 400;
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item .faq-body {
  padding: 0 1.35rem 1.25rem;
  color: var(--gray-600);
  font-size: .975rem;
}

/* Forms */
.form-grid { display: grid; gap: .85rem; }
.form-grid label {
  display: grid;
  gap: .35rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--navy);
}
.form-grid input,
.form-grid select,
.form-grid textarea {
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: .75rem;
  font-family: inherit;
  font-size: 1rem;
  background: var(--gray-50);
  transition: border-color .2s, box-shadow .2s;
}
.form-grid input:focus,
.form-grid select:focus,
.form-grid textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,194,168,.2);
  background: var(--white);
}
.form-note {
  font-size: .75rem;
  color: var(--gray-500);
  line-height: 1.45;
  margin: 0;
}
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; }
.consent {
  display: flex !important;
  align-items: flex-start;
  gap: .6rem;
  font-weight: 500 !important;
  grid-template-columns: none !important;
}
.consent input { margin-top: .2rem; width: auto; }
@media (max-width: 520px) { .form-row-2 { grid-template-columns: 1fr; } }

/* Disclaimer */
.disclaimer {
  background: var(--gray-50);
  border-left: 3px solid var(--teal);
  padding: 1rem 1.25rem;
  font-size: .85rem;
  color: var(--gray-600);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 2rem 0 0;
}
.disclaimer strong { color: var(--navy); }

/* Page hero (inner) */
.page-hero {
  background: linear-gradient(160deg, var(--navy-deep), var(--navy) 70%);
  color: #c5d4e6;
  padding: 3.5rem 0 3rem;
}
.page-hero h1 { color: var(--white); }
.page-hero .lead { max-width: 40rem; font-size: 1.1rem; }

/* Article */
.article { max-width: 720px; margin: 0 auto; padding: 3rem 0 4rem; }
.article .meta-bar {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem 1.25rem;
  font-size: .85rem;
  color: var(--gray-500);
  margin-bottom: 2rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--gray-200);
}
.article h2 { margin-top: 2.25rem; font-size: 1.5rem; }
.article h3 { margin-top: 1.75rem; }
.draft-badge {
  display: inline-block;
  background: rgba(245,197,66,.2);
  color: #8a6a00;
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: .3rem .65rem;
  border-radius: 999px;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #9bb0c9;
  padding: 3.5rem 0 2rem;
  font-size: .9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2.5rem;
}
.site-footer h4 {
  font-family: var(--font-sans);
  font-size: .8rem;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1rem;
}
.site-footer a { color: #9bb0c9; }
.site-footer a:hover { color: var(--teal); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .5rem; }
.footer-brand .logo { color: var(--white); margin-bottom: .75rem; }
.footer-brand p { font-size: .875rem; line-height: 1.55; }

.footer-licenses { margin: 0 0 2rem; }
.footer-licenses h4 { margin-bottom: .85rem; }
.license-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(13.5rem, 1fr));
  gap: .2rem 1.25rem;
  font-size: .78rem;
  font-variant-numeric: tabular-nums;
}
.license-grid span {
  display: inline-block;
  min-width: 9.2rem;
  color: #c5d4e4;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  font-size: .8rem;
}
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* CTA band */
.cta-band {
  background: linear-gradient(120deg, var(--navy) 0%, #0e3a5c 50%, #0a4a4a 100%);
  border-radius: var(--radius-2xl);
  padding: 2.5rem;
  color: #c8d8ea;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.cta-band h2 { color: var(--white); margin-bottom: .5rem; font-size: clamp(1.5rem, 3vw, 2rem); }
.cta-band p { margin: 0; max-width: 28rem; }

/* Local landing accents */
.local-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: rgba(0,194,168,.15);
  color: var(--teal);
  padding: .4rem .9rem;
  border-radius: 999px;
  font-size: .8rem;
  font-weight: 700;
  margin-bottom: 1rem;
}

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}