/* ==========================================================================
   Prime Insurance Guide — shared stylesheet
   Color system: White Smoke #F0F0F0 / Bright Red #E7473C
   ========================================================================== */

:root {
  --red: #E7473C;
  --red-dark: #C93A30;
  --red-soft: #FBE7E5;
  --smoke: #F0F0F0;
  --white: #FFFFFF;
  --text: #222222;
  --text-muted: #5B5B5B;
  --border: #E1E1E1;
  --shadow: 0 4px 20px rgba(34, 34, 34, 0.08);
  --shadow-lg: 0 12px 40px rgba(34, 34, 34, 0.12);
  --radius: 12px;
  --radius-sm: 8px;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-heading: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;
  --max-width: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  margin: 0 0 .5em;
  color: var(--text);
}
h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
a { color: var(--red); text-decoration: none; }
a:hover { color: var(--red-dark); }
ul { padding: 0; margin: 0; list-style: none; }
img { max-width: 100%; display: block; }
address { font-style: normal; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
section { padding: 72px 0; }
.section-smoke { background: var(--smoke); }
.section-red { background: var(--red); color: var(--white); }
.section-red h2, .section-red p { color: var(--white); }

.eyebrow {
  display: inline-block;
  color: var(--red);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .78rem;
  margin-bottom: .6em;
}
.section-head { max-width: 720px; margin: 0 auto 3rem; text-align: center; }
.section-head p { color: var(--text-muted); font-size: 1.05rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5em;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-family: var(--font-body);
  font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all .18s ease;
  white-space: nowrap;
}
.btn-primary { background: var(--red); color: var(--white); border-color: var(--red); }
.btn-primary:hover { background: var(--red-dark); border-color: var(--red-dark); color: var(--white); }
.btn-outline { background: transparent; color: var(--text); border-color: var(--text); }
.btn-outline:hover { background: var(--text); color: var(--white); }
.section-red .btn-outline { border-color: var(--white); color: var(--white); }
.section-red .btn-outline:hover { background: var(--white); color: var(--red); }
.btn-sm { padding: 10px 18px; font-size: .92rem; }
.btn-block { width: 100%; }
.btn-white { background: var(--white); color: var(--red); border-color: var(--white); }
.btn-white:hover { background: transparent; color: var(--white); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(6px);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 24px; gap: 18px; flex-wrap: nowrap;
}
.brand { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.brand-mark { width: 36px; height: 36px; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-primary {
  font-family: var(--font-heading); font-weight: 800; font-size: 1.2rem; color: var(--text); letter-spacing: .01em;
}
.brand-secondary {
  font-family: var(--font-heading); font-weight: 600; font-size: .62rem; color: var(--red);
  letter-spacing: .13em; text-transform: uppercase; white-space: nowrap;
}
.main-nav { flex-shrink: 1; min-width: 0; }
.main-nav ul { display: flex; gap: 20px; align-items: center; flex-wrap: nowrap; }
.main-nav li { flex-shrink: 0; }
.main-nav a { color: var(--text); font-weight: 500; font-size: .93rem; white-space: nowrap; display: inline-flex; align-items: center; }
.main-nav a.active, .main-nav a:hover { color: var(--red); }
.has-dropdown { position: relative; }
.has-dropdown > a .caret { font-size: .7rem; margin-left: 4px; }
.dropdown {
  display: none; position: absolute; top: 100%; right: 0; background: var(--white);
  box-shadow: var(--shadow-lg); border-radius: var(--radius-sm); padding: 8px; min-width: 210px;
  flex-direction: column; z-index: 50;
}
.has-dropdown:hover .dropdown { display: flex; }
.dropdown a { padding: 10px 14px; border-radius: 6px; display: block; white-space: nowrap; }
.dropdown a:hover { background: var(--smoke); }
.header-cta { display: flex; gap: 10px; flex-shrink: 0; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; flex-shrink: 0; }
.nav-toggle span {
  display: block; width: 24px; height: 2px; background: var(--text); margin: 5px 0; transition: .2s;
}

/* ---------- Hero ---------- */
.hero {
  padding: 76px 0; background: linear-gradient(135deg, var(--smoke) 0%, #ffffff 60%);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.hero-copy p.lede { font-size: 1.15rem; color: var(--text-muted); margin-bottom: 1.6em; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 1.5em; }
.hero-audience-line { display: flex; gap: 22px; flex-wrap: wrap; font-size: .92rem; color: var(--text-muted); }
.hero-audience-line strong { color: var(--text); }
.hero-media img { border-radius: var(--radius); box-shadow: var(--shadow-lg); width: 100%; height: 380px; object-fit: cover; }
.hero-media { position: relative; }
.hero-stat-chip {
  position: absolute; bottom: -18px; left: -18px; background: var(--white); border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg); padding: 14px 18px;
}
.hero-stat-chip .num { font-family: var(--font-heading); font-weight: 800; color: var(--red); font-size: 1.4rem; display: block; }
.hero-stat-chip .label { font-size: .82rem; color: var(--text-muted); }

.hero-simple { text-align: center; padding: 64px 0 56px; background: var(--smoke); }
.hero-simple .section-head { margin-bottom: 1.2rem; }

/* full-width supporting photo band under a simple hero */
.photo-band { padding: 0 0 8px; background: var(--smoke); }
.photo-band .container { padding-bottom: 56px; }
.photo-band img { width: 100%; height: 300px; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow-lg); }

/* methodology / mini-benefit row with icon */
.method-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.method-item { text-align: left; }
.method-item .icon-wrap { margin-bottom: 14px; }
.method-item h3 { font-size: 1.05rem; }
.method-item p { font-size: .92rem; color: var(--text-muted); }

/* small inclusions list inside insurance-type cards */
.includes-list { margin: 10px 0 16px; }
.includes-list li {
  font-size: .86rem; color: var(--text-muted); padding-left: 20px; position: relative; margin-bottom: 6px;
}
.includes-list li::before {
  content: "✓"; position: absolute; left: 0; color: var(--red); font-weight: 700;
}

/* small stat strip (used on partner page) */
.mini-stats { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; text-align: center; }
.mini-stats .num { display: block; font-family: var(--font-heading); font-weight: 800; font-size: 1.6rem; color: var(--red); }
.mini-stats .label { font-size: .82rem; color: var(--text-muted); }

/* ---------- Trust bar ---------- */
.trust-bar { padding: 40px 0; border-bottom: 1px solid var(--border); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.trust-grid .num { font-family: var(--font-heading); font-weight: 800; font-size: 2rem; color: var(--red); display: block; }
.trust-grid .label { color: var(--text-muted); font-size: .92rem; }
.trust-note { text-align: center; font-size: .8rem; color: var(--text-muted); margin-top: 18px; }

/* ---------- How it works ---------- */
.tracks { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.track { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; }
.track h3 { color: var(--red); }
.track ol { counter-reset: step; list-style: none; margin-top: 1.4em; }
.track ol li {
  counter-increment: step; position: relative; padding-left: 44px; margin-bottom: 20px; color: var(--text-muted);
}
.track ol li strong { display: block; color: var(--text); font-family: var(--font-heading); font-size: 1.02rem; }
.track ol li::before {
  content: counter(step); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 50%;
  background: var(--red); color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-family: var(--font-heading); font-size: .9rem;
}

/* ---------- Cards / grids ---------- */
.card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.card-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; transition: transform .18s ease, box-shadow .18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card .icon-wrap {
  width: 52px; height: 52px; border-radius: 12px; background: var(--red-soft);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.card .icon-wrap svg { width: 26px; height: 26px; stroke: var(--red); }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--text-muted); font-size: .96rem; margin-bottom: 1.2em; }
.card .card-link { font-weight: 600; font-size: .92rem; }

/* article cards */
.article-card { display: flex; flex-direction: column; height: 100%; }
.article-card .tag { color: var(--red); font-weight: 700; font-size: .75rem; text-transform: uppercase; letter-spacing: .05em; margin-bottom: .6em; display: block; }
.article-card h3 { flex-grow: 1; }

/* ---------- Testimonials ---------- */
.testimonial-carousel { position: relative; max-width: 760px; margin: 0 auto; }
.testimonial-slide {
  display: none; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 40px; text-align: center; box-shadow: var(--shadow);
}
.testimonial-slide.active { display: block; }
.testimonial-stars { color: var(--red); font-size: 1.1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-quote { font-size: 1.15rem; font-family: var(--font-heading); font-weight: 600; margin-bottom: 18px; }
.testimonial-author { color: var(--text-muted); font-size: .9rem; }
.testimonial-controls { display: flex; justify-content: center; gap: 14px; margin-top: 22px; }
.testimonial-controls button {
  background: var(--white); border: 1px solid var(--border); border-radius: 50%; width: 40px; height: 40px;
  cursor: pointer; font-size: 1.1rem;
}
.testimonial-dots { display: flex; justify-content: center; gap: 8px; margin-top: 16px; }
.testimonial-dots span { width: 8px; height: 8px; border-radius: 50%; background: var(--border); cursor: pointer; }
.testimonial-dots span.active { background: var(--red); }

.wall-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.wall-grid .card { text-align: left; }
.wall-grid .audience-tag {
  display: inline-block; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em;
  padding: 3px 10px; border-radius: 20px; background: var(--red-soft); color: var(--red); margin-bottom: 12px;
}
.filter-toggle { display: flex; justify-content: center; gap: 10px; margin-bottom: 32px; }
.filter-toggle button {
  background: var(--white); border: 1px solid var(--border); padding: 8px 20px; border-radius: 30px; cursor: pointer; font-weight: 600;
}
.filter-toggle button.active { background: var(--red); color: var(--white); border-color: var(--red); }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 40px; box-shadow: var(--shadow); max-width: 720px; margin: 0 auto;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
label { font-weight: 600; font-size: .92rem; }
input[type=text], input[type=email], input[type=tel], input[type=number], select, textarea {
  padding: 12px 14px; border: 1px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .98rem; width: 100%; background: var(--white); color: var(--text);
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--red); outline-offset: 1px; border-color: var(--red); }
.checkbox-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 8px; font-weight: 400; font-size: .92rem; }
.checkbox-row input { width: auto; margin-top: 3px; }
.consent-text { font-size: .82rem; color: var(--text-muted); }
.form-note { text-align: center; color: var(--text-muted); font-size: .85rem; margin-top: 16px; }
.form-success {
  display: none; background: var(--red-soft); border: 1px solid var(--red); border-radius: var(--radius-sm);
  padding: 16px; text-align: center; font-weight: 600; margin-top: 18px;
}

/* ---------- Comparison table ---------- */
.compare-filters { display: flex; gap: 14px; margin-bottom: 24px; flex-wrap: wrap; }
.compare-filters select { max-width: 220px; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
table.compare-table { width: 100%; border-collapse: collapse; min-width: 760px; background: var(--white); }
table.compare-table th, table.compare-table td { padding: 16px; text-align: left; border-bottom: 1px solid var(--border); font-size: .92rem; }
table.compare-table th { background: var(--smoke); font-family: var(--font-heading); font-size: .82rem; text-transform: uppercase; letter-spacing: .03em; cursor: pointer; }
table.compare-table tr:last-child td { border-bottom: none; }
.stars { color: var(--red); }
.placeholder-note { font-size: .82rem; color: var(--text-muted); margin-top: 14px; text-align: center; }

/* ---------- Directory ---------- */
.directory-toolbar { display: flex; gap: 14px; margin-bottom: 28px; flex-wrap: wrap; }
.directory-toolbar select, .directory-toolbar input { max-width: 240px; }
.directory-card { display: flex; flex-direction: column; }
.directory-card .stars { margin-bottom: 8px; }
.directory-card .specialties { font-size: .85rem; color: var(--text-muted); margin-bottom: 14px; }
.directory-avatar {
  width: 56px; height: 56px; border-radius: 50%; background: var(--red); color: var(--white);
  display: flex; align-items: center; justify-content: center; font-family: var(--font-heading); font-weight: 700;
  font-size: 1.1rem; margin-bottom: 16px;
}

/* ---------- Pricing ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
.pricing-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 36px 28px;
  display: flex; flex-direction: column;
}
.pricing-card.featured { border: 2px solid var(--red); box-shadow: var(--shadow-lg); position: relative; }
.pricing-card.featured::before {
  content: "Most Popular"; position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--red); color: var(--white); font-size: .72rem; font-weight: 700; padding: 5px 14px; border-radius: 20px;
}
.pricing-card .price { font-family: var(--font-heading); font-weight: 800; font-size: 2.2rem; margin: 10px 0; color: var(--red); }
.pricing-card .price span { font-size: .95rem; font-weight: 500; color: var(--text-muted); }
.pricing-card ul { margin: 20px 0; flex-grow: 1; }
.pricing-card li { padding: 8px 0; border-bottom: 1px dashed var(--border); font-size: .92rem; }
.pricing-card li:last-child { border-bottom: none; }
.pricing-note { text-align: center; color: var(--text-muted); font-size: .85rem; margin-top: 24px; }

/* ---------- FAQ ---------- */
.faq-groups { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  display: flex; justify-content: space-between; align-items: center; padding: 18px 0; cursor: pointer;
  font-family: var(--font-heading); font-weight: 600; font-size: 1rem;
}
.faq-question .plus { font-size: 1.4rem; color: var(--red); transition: transform .2s; }
.faq-item.open .faq-question .plus { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .25s ease; color: var(--text-muted); font-size: .95rem; }
.faq-item.open .faq-answer { max-height: 300px; padding-bottom: 18px; }

/* ---------- About ---------- */
.about-hero-img img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; height: 340px; object-fit: cover; }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.team-avatar {
  width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 16px; background: var(--red);
  display: flex; align-items: center; justify-content: center; color: var(--white); font-family: var(--font-heading);
  font-weight: 700; font-size: 1.6rem;
}
.team-card { text-align: center; }
.team-card .role { color: var(--red); font-size: .85rem; font-weight: 600; margin-bottom: 10px; }

/* ---------- Article page ---------- */
.article-hero { padding: 56px 0 40px; background: var(--smoke); }
.article-meta { color: var(--text-muted); font-size: .88rem; margin-bottom: 1em; }
.article-body { max-width: 760px; margin: 0 auto; padding: 48px 24px; }
.article-body h2 { margin-top: 1.6em; }
.article-body p { color: var(--text); font-size: 1.05rem; }
.article-body ul, .article-body ol { margin: 0 0 1.4em 1.4em; list-style: disc; }
.article-body li { margin-bottom: .5em; color: var(--text); }
.article-cta {
  background: var(--red-soft); border: 1px solid var(--red); border-radius: var(--radius);
  padding: 28px; text-align: center; margin: 2.4em 0;
}
.article-cta h3 { margin-bottom: .4em; }

/* ---------- CTA banner ---------- */
.cta-banner { text-align: center; }
.cta-banner .btn-row { display: flex; justify-content: center; gap: 14px; margin-top: 1.6em; flex-wrap: wrap; }

/* ---------- Legal pages ---------- */
.legal-body { max-width: 780px; margin: 0 auto; padding: 56px 24px; }
.legal-body h2 { margin-top: 1.6em; }
.legal-body p, .legal-body li { color: var(--text-muted); }
.legal-updated { color: var(--text-muted); font-size: .85rem; margin-bottom: 2em; }

/* ---------- Footer ---------- */
.site-footer { background: #1B1B1B; color: #D8D8D8; padding: 64px 0 0; }
.site-footer h4 { color: var(--white); font-size: .95rem; margin-bottom: 1.1em; }
.site-footer a { color: #C9C9C9; }
.site-footer a:hover { color: var(--white); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1.3fr; gap: 32px; padding-bottom: 44px; }
.footer-brand .brand-primary { color: var(--white); }
.footer-brand .brand-secondary { color: #FF8A80; }
.footer-tagline { margin-top: 14px; color: #B8B8B8; }
.footer-disclaimer { font-size: .78rem; color: #8C8C8C; line-height: 1.6; }
.footer-col li { margin-bottom: 10px; font-size: .92rem; }
.footer-contact address { font-size: .92rem; line-height: 1.8; margin-bottom: 18px; }
.newsletter-form label { font-size: .82rem; color: #B8B8B8; font-weight: 500; }
.newsletter-row { display: flex; gap: 8px; margin-top: 8px; }
.newsletter-row input { flex-grow: 1; }
.footer-bottom {
  border-top: 1px solid #333; display: flex; justify-content: space-between; padding: 20px 24px;
  font-size: .82rem; color: #999;
}
.footer-legal-links a { margin-left: 18px; }

.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; background: #1B1B1B; color: var(--white);
  padding: 16px 24px; display: none; align-items: center; justify-content: space-between; gap: 18px;
  z-index: 200; flex-wrap: wrap;
}
.cookie-banner.show { display: flex; }
.cookie-banner a { color: var(--white); text-decoration: underline; }
.cookie-banner p { margin: 0; font-size: .88rem; }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .5s ease, transform .5s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid, .tracks, .faq-groups { grid-template-columns: 1fr; }
  .card-grid, .card-grid.cols-3, .card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .pricing-grid, .wall-grid, .team-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 28px; }
  .method-row { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1040px) {
  .main-nav, .header-cta { display: none; }
  .main-nav.open {
    display: block; position: absolute; top: 100%; left: 0; right: 0; background: var(--white);
    border-bottom: 1px solid var(--border); padding: 12px 24px; box-shadow: var(--shadow); max-height: 80vh; overflow-y: auto;
  }
  .main-nav.open ul { flex-direction: column; align-items: flex-start; gap: 4px; }
  .main-nav.open li { width: 100%; }
  .main-nav.open a { display: block; padding: 12px 0; white-space: normal; }
  .main-nav.open .dropdown { display: flex; position: static; box-shadow: none; padding-left: 12px; }
  .nav-toggle { display: block; }
}
@media (max-width: 760px) {
  .card-grid, .card-grid.cols-3, .card-grid.cols-2, .pricing-grid, .wall-grid, .team-grid, .values-grid { grid-template-columns: 1fr; }
  .form-grid, .checkbox-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .method-row { grid-template-columns: 1fr; }
  .mini-stats { gap: 28px; }
  section { padding: 52px 0; }
}