/* ==========================================================================
   Second Chance Leads – shared theme
   Dark navy + gold, matching the eagle logo. Loaded after Bootstrap 5.3.
   ========================================================================== */
:root{
  --bg:#0b0d14;
  --bg-2:#10131d;
  --surface:#151a27;
  --surface-2:#1b2132;
  --line:rgba(255,255,255,.09);
  --line-strong:rgba(255,255,255,.16);
  --text:#eef0f5;
  --muted:#aab1c3;
  --gold:#e0be7a;
  --gold-2:#c9a25a;
  --gold-soft:rgba(224,190,122,.12);
  --gold-line:rgba(224,190,122,.32);
  --silver:#c8cfdb;
  --bronze:#cf9a6b;
  --danger:#ff8a80;
  --success:#7fd4a3;
  --radius:18px;
  --shadow:0 20px 50px -20px rgba(0,0,0,.6);
  /* legacy aliases used by inline styles on older pages */
  --accent:var(--gold); --accent2:var(--gold); --accent-color:var(--gold);
  --orange:var(--gold); --orange-light:var(--gold-soft); --orange-border:var(--gold-line);
  --green-light:var(--gold-soft); --green-border:var(--gold-line);
  --pink-light:var(--gold-soft); --pink-border:var(--gold-line);
  --teal-light:var(--gold-soft); --teal-border:var(--gold-line);
  --glass-bg:var(--surface); --glass-border:var(--line);
}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;min-height:100vh}
a{color:var(--gold)}
a:hover{color:#f0d49c}
::selection{background:var(--gold);color:#111}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}
h1,h2,h3,h4,h5,h6{font-weight:800;letter-spacing:-.02em;line-height:1.2}
.skip-link{position:absolute;left:-9999px;top:8px;z-index:2000;background:var(--gold);color:#111;padding:8px 14px;border-radius:8px;font-weight:700}
.skip-link:focus{left:12px}

/* Bootstrap colour overrides so older markup picks up the theme */
.text-info,.text-primary{color:var(--gold)!important}
.text-success{color:var(--success)!important}
.text-danger{color:var(--danger)!important}
.bg-info{background:var(--gold)!important;color:#15120b!important}
.opacity-50{opacity:.72!important}
.opacity-75{opacity:.85!important}
.spinner-border{color:var(--gold)}
.border-light{border-color:var(--line)!important}
.text-white-50{color:var(--muted)!important}
.text-muted-2{color:var(--muted)!important}
.text-gold{color:var(--gold)!important}
.form-check-input{background-color:var(--bg);border-color:var(--line-strong)}
.form-check-input:checked{background-color:var(--gold);border-color:var(--gold)}
.form-check-input.is-invalid{border-color:var(--danger)}
.form-check-label{color:var(--muted)}

/* Typography helpers */
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:.75rem}
.section{padding:88px 0}
.section-sm{padding:64px 0}
.section-alt{background:var(--bg-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-title{font-size:clamp(1.75rem,3.2vw,2.6rem);font-weight:800;margin-bottom:1rem}
.section-lead,.section-sub{color:var(--muted);font-size:1.05rem;max-width:680px}
.section-sub{margin-bottom:2.5rem;opacity:1}
.glow-divider{height:1px;border:0;margin:0;opacity:1;background:linear-gradient(90deg,transparent,var(--line-strong),transparent)}

/* Nav */
.site-nav{background:rgba(11,13,20,.86);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line);padding:10px 0}
.navbar-brand{display:flex;align-items:center;gap:10px;color:var(--text)}
.navbar-brand:hover{color:var(--text)}
.navbar-brand img{height:42px;width:auto}
.brand-text{font-family:'Cinzel',Georgia,serif;font-weight:600;font-size:1.05rem;letter-spacing:.06em;color:var(--gold)}
.site-nav .nav-link{color:var(--muted)!important;font-weight:500;font-size:.95rem;padding:.5rem .8rem!important}
.site-nav .nav-link:hover,.site-nav .nav-link:focus,.site-nav .nav-link.active,.site-nav .nav-link[aria-current="page"]{color:var(--text)!important}
.site-nav .dropdown-menu{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:8px;box-shadow:var(--shadow);min-width:240px}
.site-nav .dropdown-item{color:var(--text);border-radius:8px;padding:.5rem .75rem;font-size:.93rem}
.site-nav .dropdown-item i{color:var(--gold);width:1.4rem;display:inline-block}
.site-nav .dropdown-item:hover,.site-nav .dropdown-item:focus,.site-nav .dropdown-item.active{background:var(--gold-soft);color:var(--text)}
.site-nav .dropdown-divider{border-color:var(--line)}
.navbar-toggler{border:1px solid var(--line-strong)}
.navbar-toggler-icon{filter:invert(1)}

/* Buttons (new names + legacy names) */
.btn-gold,.btn-primary-glow{display:inline-block;text-decoration:none;background:linear-gradient(180deg,var(--gold),var(--gold-2));color:#15120b!important;font-weight:700;border:0;border-radius:12px;padding:.8rem 1.5rem;box-shadow:0 10px 30px -12px rgba(224,190,122,.55);transition:transform .2s ease,box-shadow .2s ease}
.btn-gold:hover,.btn-gold:focus,.btn-primary-glow:hover,.btn-primary-glow:focus{color:#15120b!important;transform:translateY(-2px);box-shadow:0 16px 36px -12px rgba(224,190,122,.7)}
.btn-primary-glow:disabled,.btn-gold:disabled{background:#3a3f4d;color:#9aa1b2!important;box-shadow:none;transform:none;cursor:not-allowed}
.btn-ghost,.btn-outline-glass,.btn-glass,.btn-outline-light{display:inline-block;text-decoration:none;background:transparent;color:var(--text)!important;font-weight:600;border:1px solid var(--line-strong);border-radius:12px;padding:.8rem 1.5rem;transition:background .2s ease,border-color .2s ease}
.btn-ghost:hover,.btn-ghost:focus,.btn-outline-glass:hover,.btn-outline-glass:focus,.btn-glass:hover,.btn-outline-light:hover{background:rgba(255,255,255,.05);border-color:var(--gold);color:var(--text)!important}
.btn-sm-nav{padding:.5rem 1.1rem;font-size:.92rem}
.btn-light{background:linear-gradient(180deg,var(--gold),var(--gold-2));border:0;color:#15120b!important;border-radius:12px;font-weight:700}
.btn-light:hover{color:#15120b!important;filter:brightness(1.05)}
.btn-primary{background:linear-gradient(180deg,var(--gold),var(--gold-2));border:0;color:#15120b;font-weight:700;border-radius:12px}
.btn-primary:hover,.btn-primary:focus{background:var(--gold);color:#15120b}
.rounded-pill.btn{border-radius:12px!important}

/* Cards / panels */
.glass-panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:none}
.card-x,.value-card,.why-card,.trust-badge,.plan-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;height:100%;transition:border-color .2s ease,transform .2s ease}
.card-x:hover,.value-card:hover,.why-card:hover,.plan-card:hover{border-color:rgba(224,190,122,.35);transform:translateY(-3px)}
.card-x h3{font-size:1.15rem;margin-bottom:.5rem}
.card-x p,.value-card p,.why-card p,.trust-badge p,.plan-card p{color:var(--muted);font-size:.95rem;margin-bottom:0;opacity:1;line-height:1.65}
.value-card h5,.why-card h5,.plan-card h5{font-weight:700;margin-bottom:.5rem}
.value-card i,.why-card i,.trust-badge i,.plan-card>i,.related-card i{width:48px;height:48px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;background:var(--gold-soft);color:var(--gold);font-size:1.35rem;margin-bottom:1rem}
.trust-badge{text-align:center;padding:24px 20px}
.trust-badge h6{font-weight:700;margin-bottom:.4rem}
.plan-card .plan-label{display:inline-block;background:var(--gold-soft);border:1px solid var(--gold-line);color:var(--gold);border-radius:999px;padding:2px 12px;font-size:.72rem;font-weight:700;margin-bottom:10px;text-transform:uppercase;letter-spacing:.08em}
.icon-badge{width:48px;height:48px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;background:var(--gold-soft);color:var(--gold);font-size:1.35rem;margin-bottom:1rem}
.related-card{display:block;height:100%;text-decoration:none;color:var(--text);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px 18px;transition:transform .2s ease,border-color .2s ease}
.related-card:hover{transform:translateY(-3px);border-color:var(--gold);color:var(--text)}
.related-card h5,.related-card h3{font-weight:700;margin-bottom:6px;font-size:1rem}
.related-card p{color:var(--muted);font-size:.85rem;margin:0}

/* Hero (product + inner pages) */
.page-header{padding-top:140px;padding-bottom:64px;text-align:center;position:relative}
.page-header::before{content:"";position:absolute;left:50%;top:0;transform:translateX(-50%);width:900px;max-width:100%;height:520px;background:radial-gradient(closest-side,rgba(224,190,122,.14),transparent 70%);pointer-events:none;z-index:-1}
.badge-pill{display:inline-block;background:var(--gold-soft);border:1px solid var(--gold-line);color:var(--gold);border-radius:999px;padding:6px 16px;font-size:.8rem;font-weight:700;letter-spacing:.06em;margin-bottom:18px}
.hero-title{font-size:clamp(2.1rem,5vw,3.5rem);font-weight:800;line-height:1.12}
.hero-title span{background:linear-gradient(90deg,#f3dca8,var(--gold-2));-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent}
.hero-sub{color:var(--muted);font-size:1.1rem;max-width:680px;margin:0 auto;opacity:1}
.stat-bar{display:flex;justify-content:center;flex-wrap:wrap;gap:14px;margin-top:40px}
.stat-item{text-align:center;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 20px;min-width:140px}
.stat-num{font-size:1.6rem;font-weight:800;color:var(--gold);line-height:1.2}
.stat-label{font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;opacity:1}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.stat{background:rgba(255,255,255,.03);border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.stat b{display:block;font-size:1.45rem;font-weight:800;color:var(--text);line-height:1.2}
.stat span{font-size:.82rem;color:var(--muted)}

/* Data dictionary chips */
.field-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:10px;margin-top:8px}
.field-chip{background:rgba(255,255,255,.03);border:1px solid var(--line);border-radius:10px;padding:11px 14px;display:flex;align-items:center;gap:10px;font-size:.9rem}
.field-chip i{color:var(--muted);font-size:1rem;flex-shrink:0}
.field-chip.highlight{border-color:var(--gold-line);background:var(--gold-soft)}
.field-chip.highlight i{color:var(--gold)}
.callout-box{background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:12px;padding:16px;height:100%}
.callout-icon,.callout-box-icon{color:var(--gold);font-size:1.35rem;flex-shrink:0;margin-top:2px}
.callout-title,.callout-box-title{font-weight:700;margin-bottom:4px;font-size:.9rem}
.callout-body,.callout-box-body{font-size:.85rem;color:var(--muted);opacity:1}
.filter-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.filter-pill{background:rgba(255,255,255,.04);border:1px solid var(--line-strong);border-radius:999px;padding:7px 16px;font-size:.84rem;display:flex;align-items:center;gap:7px}
.filter-pill i{color:var(--gold)}
.risk-grid{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.risk-chip,.home-value-chip,.carrier-chip{background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:10px;padding:8px 16px;font-size:.85rem;font-weight:600;color:var(--gold);display:inline-flex;align-items:center;gap:8px}
.carrier-grid{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.conquest-banner,.intel-banner,.dual-cta{background:radial-gradient(600px 260px at 90% 0%,rgba(224,190,122,.14),transparent 70%),var(--surface);border:1px solid var(--gold-line);border-radius:22px;padding:40px 36px}
.conquest-accent,.intel-accent{color:var(--gold);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;margin-bottom:10px}
.dual-cta-divider{width:1px;background:var(--line-strong);align-self:stretch;margin:0 20px}
@media(max-width:768px){.dual-cta-divider{display:none}.conquest-banner,.intel-banner,.dual-cta{padding:28px 22px}}

/* Life policy types */
.policy-tabs{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin:30px 0 10px}
.policy-tab{background:rgba(255,255,255,.04);border:1px solid var(--line-strong);border-radius:999px;padding:8px 22px;font-size:.88rem;font-weight:600}
.policy-tab.term{border-color:var(--gold-line);color:var(--gold);background:var(--gold-soft)}
.policy-tab.whole{border-color:rgba(200,207,219,.35);color:var(--silver);background:rgba(200,207,219,.08)}
.policy-tab.universal{border-color:rgba(207,154,107,.35);color:var(--bronze);background:rgba(207,154,107,.08)}
.policy-card{border-radius:var(--radius);padding:28px 24px;height:100%;background:var(--surface);border:1px solid var(--line);transition:transform .2s}
.policy-card:hover{transform:translateY(-3px)}
.policy-card .pc-icon{font-size:2rem;margin-bottom:14px;display:block}
.policy-card.term .pc-icon{color:var(--gold)}
.policy-card.whole .pc-icon{color:var(--silver)}
.policy-card.universal .pc-icon{color:var(--bronze)}
.policy-card h5{font-weight:800;margin-bottom:8px}
.policy-card p{font-size:.92rem;color:var(--muted);line-height:1.65;margin-bottom:14px}
.policy-card .pc-tag{font-size:.74rem;font-weight:700;padding:3px 12px;border-radius:999px;display:inline-block}
.policy-card.term .pc-tag{background:var(--gold-soft);color:var(--gold)}
.policy-card.whole .pc-tag{background:rgba(200,207,219,.12);color:var(--silver)}
.policy-card.universal .pc-tag{background:rgba(207,154,107,.14);color:var(--bronze)}

/* Selectable cards (order + count forms) */
.qty-card,.toggle-card,.age-range-card,.value-range-card,.carrier-check,.option-card{background:rgba(255,255,255,.03);border:1px solid var(--line-strong);border-radius:12px;padding:12px 14px;cursor:pointer;transition:background .2s,border-color .2s,transform .2s;user-select:none;color:var(--text)}
.qty-card,.toggle-card,.age-range-card,.value-range-card{text-align:center}
.qty-card:hover,.toggle-card:hover,.age-range-card:hover,.value-range-card:hover,.carrier-check:hover,.option-card:hover{background:rgba(224,190,122,.06);border-color:var(--gold-line)}
.qty-card.active,.toggle-card.active,.age-range-card.active,.value-range-card.active,.carrier-check.active,.option-card.active{background:var(--gold-soft);border-color:var(--gold);box-shadow:0 0 0 1px var(--gold) inset}
.qty-card .qty-num{font-size:1.05rem;font-weight:700}
.qty-card .qty-price{font-size:.8rem;color:var(--gold);margin-top:2px}
.toggle-card .tc-label{font-size:.9rem;font-weight:600}
.toggle-card .tc-sub,.age-range-card .ar-sub{font-size:.74rem;color:var(--muted);margin-top:2px;font-weight:400}
.age-range-card,.value-range-card{font-size:.9rem;font-weight:600}
.age-range-card.active,.value-range-card.active{color:var(--gold)}
.age-range-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:8px;margin-top:10px}
.value-range-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:8px;margin-top:10px}
.carrier-check-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:8px;margin-top:10px}
.carrier-check{display:flex;align-items:center;gap:10px;font-size:.9rem}
.carrier-check input[type="checkbox"]{accent-color:var(--gold);width:16px;height:16px;flex-shrink:0}
.option-card{display:flex;align-items:center;height:100%;padding:15px}
.check-circle{width:24px;height:24px;min-width:24px;border-radius:50%;border:2px solid var(--line-strong);margin-right:14px;display:flex;align-items:center;justify-content:center;transition:.2s}
.option-card.active .check-circle{background:var(--gold);border-color:var(--gold)}
.option-card.active .check-circle::after{content:'\F26A';font-family:'bootstrap-icons';font-size:14px;color:#15120b}

/* Forms */
.form-label{font-size:.85rem;color:var(--muted);font-weight:600;margin-bottom:6px;display:block;opacity:1!important}
.glass-input,.form-control,.form-select{background:var(--bg);border:1px solid var(--line-strong);color:var(--text);border-radius:10px;padding:12px 14px;width:100%;transition:border-color .2s,box-shadow .2s}
.glass-input:focus,.form-control:focus,.form-select:focus{background:var(--bg);border-color:var(--gold);color:var(--text);box-shadow:0 0 0 .2rem rgba(224,190,122,.2);outline:none}
.glass-input::placeholder,.form-control::placeholder{color:#7d8598}
.glass-input.is-invalid,.form-control.is-invalid,.form-select.is-invalid{border-color:var(--danger);box-shadow:0 0 0 .2rem rgba(255,138,128,.15)}
select.glass-input option,.form-select option{background:var(--surface);color:var(--text)}
.form-select{background-image:url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3e%3cpath fill='none' stroke='%23aab1c3' stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='m2 5 6 6 6-6'/%3e%3c/svg%3e");background-repeat:no-repeat;background-position:right .75rem center;background-size:16px 12px;padding-right:2.5rem}
.invalid-feedback{color:var(--danger);font-size:.84em;margin-top:5px}
.glass-input.is-invalid ~ .invalid-feedback{display:block}
.step-badge{background:var(--gold)!important;color:#15120b!important;font-size:.72rem;border-radius:999px;padding:4px 12px;margin-right:8px;font-weight:700}
.progress-container{height:6px;background:rgba(255,255,255,.08);border-radius:10px;overflow:hidden;margin-bottom:30px}
.progress-fill{height:100%;background:linear-gradient(90deg,var(--gold-2),var(--gold));width:0%;transition:width .5s ease}
.form-step{display:none}
.form-step.active{display:block;animation:fadeUp .4s ease}
#successMessage{display:none;animation:fadeUp .4s ease}

/* Order summary */
.summary-row{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);font-size:.93rem}
.summary-row:last-child{border-bottom:0}
.summary-row span:last-child{text-align:right}
.summary-total{font-size:1.3rem;font-weight:800;color:var(--gold)}

/* Pricing tables */
.pricing-table-wrap{overflow-x:auto}
.pricing-table{width:100%;border-collapse:separate;border-spacing:0}
.pricing-table th{background:var(--surface-2);padding:14px 18px;font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--muted);text-align:left}
.pricing-table th:first-child{border-radius:10px 0 0 0}
.pricing-table th:last-child{border-radius:0 10px 0 0}
.pricing-table td{padding:13px 18px;border-bottom:1px solid var(--line);font-size:.95rem}

.pricing-table tr:hover td{background:rgba(224,190,122,.05)}
.pricing-table tr.best-value td{background:var(--gold-soft)}
.per-lead-col,.pricing-table .per-lead-col{color:var(--gold);font-weight:700}
.best-tag{background:var(--gold);color:#15120b;font-size:.66rem;font-weight:800;padding:2px 8px;border-radius:999px;text-transform:uppercase;letter-spacing:.06em;margin-left:8px}
.pricing-note{font-size:.84rem;color:var(--muted);margin-top:12px;opacity:1}

/* Comparison table (home) */
.compare{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.compare table{margin:0;color:var(--text);--bs-table-bg:transparent;--bs-table-color:var(--text)}
.compare th,.compare td{padding:16px 18px;border-color:var(--line);vertical-align:middle}
.compare thead th{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.compare thead th.us{color:var(--gold)}
.compare td.us{color:var(--gold);font-weight:700;background:rgba(224,190,122,.05)}
.compare small{display:block;color:var(--muted);font-weight:400}

/* FAQ – legacy JS accordion */
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
.faq-question{padding:18px 22px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;font-weight:700;background:transparent;transition:color .2s}
.faq-question:hover,.faq-question.open{color:var(--gold)}
.faq-answer{padding:0 22px;max-height:0;overflow:hidden;transition:max-height .35s ease,padding .2s;font-size:.95rem;color:var(--muted);line-height:1.7;opacity:1}
.faq-answer.open{max-height:700px;padding:0 22px 20px}
.faq-icon{font-size:1.1rem;color:var(--gold);transition:transform .3s;flex-shrink:0}
.faq-icon.open{transform:rotate(45deg)}
/* FAQ – native details */
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:12px}
.faq summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:700;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--gold);line-height:1;transition:transform .2s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p,.faq details .ans{color:var(--muted);padding:0 22px 20px;margin:0}
/* FAQ – Bootstrap accordion */
.glass-accordion .accordion-item{background:var(--surface);border:1px solid var(--line);border-radius:14px!important;margin-bottom:12px;overflow:hidden;color:var(--text)}
.glass-accordion .accordion-button{background:transparent;color:var(--text);font-weight:700;box-shadow:none;padding:18px 22px}
.glass-accordion .accordion-button i{color:var(--gold)}
.glass-accordion .accordion-button:not(.collapsed){background:transparent;color:var(--gold);box-shadow:none}
.glass-accordion .accordion-button::after{filter:invert(1) sepia(1) saturate(3) hue-rotate(5deg) brightness(.95)}
.glass-accordion .accordion-body{color:var(--muted);padding:0 22px 20px;line-height:1.7}
.glass-accordion .accordion-body strong{color:var(--text)}
.faq-cat{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin:2.2rem 0 1rem}

/* Answer box */
.answer-box{background:linear-gradient(180deg,rgba(224,190,122,.08),rgba(224,190,122,.02));border:1px solid rgba(224,190,122,.28);border-left:4px solid var(--gold);border-radius:14px;padding:22px 24px;font-size:1.05rem}
.answer-box p{margin:0}

/* Tabs (home data dictionary) */
.dd-tabs{gap:.5rem;border:0;flex-wrap:wrap}
.dd-tabs .nav-link{background:var(--surface);color:var(--muted);border:1px solid var(--line);border-radius:999px;padding:.5rem 1rem;font-weight:600;font-size:.9rem}
.dd-tabs .nav-link.active,.dd-tabs .nav-link:hover{color:#15120b;background:var(--gold);border-color:var(--gold)}
.dd-panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.check-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:.6rem 1.5rem}
.check-list i{color:var(--gold);margin-right:.5rem}

/* Steps, tiers, quotes, calculator, CTA (home) */
.step{position:relative;padding:28px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);height:100%}
.step-num{width:36px;height:36px;border-radius:50%;background:var(--gold);color:#15120b;font-weight:800;display:inline-flex;align-items:center;justify-content:center;margin-bottom:1rem}
.step h3{font-size:1.08rem}
.step p{color:var(--muted);font-size:.95rem;margin:0}
.tier{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:30px;height:100%}
.tier .tier-age{font-size:2.2rem;font-weight:800;color:var(--gold);line-height:1}
.tier .tier-label{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:1rem;display:block}
.tier ul{padding-left:1.1rem;color:var(--muted);margin:0}
.tier li{margin-bottom:.4rem}
.quote{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;height:100%;display:flex;flex-direction:column}
.quote .stars{color:var(--gold);letter-spacing:2px;margin-bottom:.75rem}
.quote blockquote{color:var(--text);flex-grow:1;margin-bottom:1.25rem}
.quote .tag{font-size:.78rem;color:var(--gold);font-weight:600;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.5rem}
.quote figcaption{display:flex;align-items:center;gap:12px;padding-top:1rem;border-top:1px solid var(--line)}
.quote figcaption small{color:var(--muted)}
.avatar{width:44px;height:44px;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:inline-flex;align-items:center;justify-content:center;font-weight:700;border:1px solid var(--gold-line)}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.calc label{font-size:.85rem;color:var(--muted);font-weight:600;margin-bottom:.35rem}
.calc .input-group-text{background:var(--surface-2);border:1px solid var(--line-strong);color:var(--muted)}
.calc-out{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:1.25rem}
.calc-out .stat b{color:var(--gold)}
.cta{background:radial-gradient(600px 300px at 80% 0%,rgba(224,190,122,.16),transparent 70%),var(--surface);border:1px solid rgba(224,190,122,.25);border-radius:28px;padding:56px 32px;overflow:hidden}
.contact-item{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--text);background:rgba(255,255,255,.03);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.contact-item:hover{border-color:var(--gold);color:var(--text)}
.contact-item i{font-size:1.35rem;color:var(--gold)}
.contact-item small{display:block;color:var(--muted)}
.contact-item span{min-width:0;overflow-wrap:anywhere}

/* Home hero */
.hero{position:relative;padding:150px 0 90px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:-20% -10% auto auto;width:720px;height:720px;background:radial-gradient(closest-side,rgba(224,190,122,.18),transparent 70%);pointer-events:none}
.hero h1{font-size:clamp(2.3rem,5.2vw,4rem);margin-bottom:1.25rem}
.hero h1 .accent{background:linear-gradient(90deg,#f3dca8,var(--gold-2));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{color:var(--muted);font-size:1.15rem;max-width:600px}
.trust-list{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;padding:0;margin:1.75rem 0 0;list-style:none;color:var(--muted);font-size:.93rem}
.trust-list i{color:var(--gold);margin-right:.35rem}
.hero-card{background:linear-gradient(180deg,var(--surface-2),var(--surface));border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}
.hero-card img{width:100%;max-width:300px;height:auto;display:block;margin:0 auto 1rem}

/* Blog / article */
.post-card{height:100%;display:flex;flex-direction:column;overflow:hidden;transition:transform .2s ease,border-color .2s ease}
.post-card:hover{transform:translateY(-4px);border-color:var(--gold-line)}
.post-img-placeholder{height:200px;background:linear-gradient(135deg,#2a2412,#151a27);background-size:cover;background-position:center}
.featured-img-placeholder{height:340px;position:relative;background:linear-gradient(135deg,#2a2412,#151a27);background-size:cover;background-position:center}
.tag-badge{background:var(--gold-soft);padding:5px 14px;border-radius:999px;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);text-decoration:none;border:1px solid var(--gold-line);cursor:pointer;display:inline-block;transition:.2s}
.tag-badge:hover,.tag-badge.active{background:var(--gold);color:#15120b}
.sidebar-link{display:block;padding:10px 0;color:var(--muted);text-decoration:none;border-bottom:1px solid var(--line);transition:.2s;cursor:pointer}
.sidebar-link:hover,.sidebar-link.active{color:var(--gold);padding-left:8px}
.read-more{color:var(--gold);text-decoration:none;font-weight:600;margin-top:auto}
.read-more:hover{color:var(--text)}
.page-link{cursor:pointer;background:var(--surface)!important;color:var(--text)!important;border:1px solid var(--line)!important;border-radius:10px!important}
.page-link.current,.page-link:hover{background:var(--gold)!important;color:#15120b!important}
.page-item.disabled .page-link{opacity:.4}
.article-header{padding-top:120px;padding-bottom:40px}
.article-hero-img{width:100%;min-height:380px;background-size:cover;background-position:center;border-radius:22px;margin-bottom:30px;position:relative;background-color:var(--surface)}
.article-content{font-size:1.1rem;line-height:1.8;color:#dfe3ec}
.article-content h1,.article-content h2,.article-content h3{margin-top:2.4rem;margin-bottom:1.1rem;color:var(--text)}
.article-content p{margin-bottom:1.4rem}
.article-content a{color:var(--gold)}
.article-content hr{opacity:.2;margin:3rem 0}
.article-content img{max-width:100%;height:auto;border-radius:12px}
.btn-back{color:var(--muted);text-decoration:none;display:inline-flex;align-items:center;gap:6px;margin-bottom:1rem}
.btn-back:hover{color:var(--gold)}
.breadcrumb{--bs-breadcrumb-divider-color:var(--muted);font-size:.85rem;margin-bottom:1rem}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb .active{color:var(--text)}

/* Legal pages */
.legal{max-width:820px;margin:0 auto}
.legal .updated{font-size:.88rem;color:var(--muted);margin-bottom:32px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.legal section.term{margin:40px 0}
.legal section.term h2{font-size:1.3rem;margin:0 0 14px;padding-left:14px;border-left:4px solid var(--gold)}
.legal section.term h3{font-size:1rem;margin:20px 0 8px}
.legal p,.legal li{color:#cfd4df;font-size:1rem}
.legal .callout{background:var(--gold-soft);border:1px solid var(--gold-line);border-left:4px solid var(--gold);border-radius:10px;padding:16px 20px;margin:18px 0;color:var(--text)}

/* Sticky CTA (product pages) + mobile bar (home) */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;background:rgba(11,13,20,.95);border-top:1px solid var(--line);padding:12px 16px calc(12px + env(safe-area-inset-bottom));z-index:1030;display:flex;align-items:center;justify-content:center;gap:14px;transform:translateY(100%);transition:transform .35s ease}
.sticky-cta.visible{transform:translateY(0)}
.sticky-cta-text{font-size:.92rem;color:var(--muted)}
.sticky-cta-text strong{color:var(--gold)}
.sticky-cta .btn-primary-glow,.sticky-cta .btn-outline-glass{padding:.55rem 1.1rem!important;font-size:.9rem!important}
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:1030;display:flex;gap:10px;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(11,13,20,.95);border-top:1px solid var(--line)}
.mobile-bar a{flex:1;text-align:center}
@media(min-width:992px){.mobile-bar{display:none}}

/* Footer */
.site-footer{border-top:1px solid var(--line);background:#07080d;padding:56px 0 28px;color:var(--muted);font-size:.93rem}
.site-footer a{color:var(--muted);text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer h2{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--text);font-weight:700;margin-bottom:1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.5rem}
.site-footer address{font-style:normal}
.footer-logo{height:64px;width:auto}
.footer-bottom{border-top:1px solid var(--line);padding-top:1.5rem;margin-top:3rem}

/* Animations */
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.fade-up{animation:fadeUp .5s ease both}

@media(max-width:991.98px){
  .section{padding:68px 0}
  .hero{padding:120px 0 64px}
  .page-header{padding-top:120px;padding-bottom:48px}
  .site-nav .navbar-collapse{padding:12px 0}
  body.has-mobile-bar{padding-bottom:76px}
}
@media(max-width:576px){
  .sticky-cta-text{display:none}
  .stat-item{min-width:calc(50% - 7px);padding:12px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none!important;animation:none!important}
}

/* Privacy policy table of contents */
.toc{padding-left:1.2rem}
.toc li{margin-bottom:.35rem}
.toc a{color:var(--text);text-decoration:none}
.toc a:hover{color:var(--gold)}
@media(min-width:768px){.toc{columns:2;column-gap:2rem}}
.legal section.term{scroll-margin-top:90px}