html { scroll-behavior: smooth; }

:root {
    --navy: #00284e;
    --gold: #f6c057;
    --white: #ffffff;
    --light: #f8f5f0;
    --navy-light: #003d75;
    --text-muted: #6b7a8d;
    --shadow: 0 20px 60px rgba(0,40,78,0.15);
  }

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

  body {
    font-family: 'Poppins', sans-serif;
    background: var(--navy);
    color: var(--white);
    overflow-x: hidden;
  }

  /* ── NAV ── */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    display: flex; align-items: center; justify-content: space-between;
    padding: 20px 48px;
    background: rgba(0,40,78,0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(246,192,87,0.15);
  }
  .logo {
    display: flex; align-items: center; gap: 12px;
  }
  .logo-img { height: 44px; width: auto; display: block; }
  nav a {
    color: rgba(255,255,255,0.75); text-decoration: none;
    font-size: 0.875rem; font-weight: 500;
    transition: color 0.2s;
  }
  nav a:hover { color: var(--gold); }
  .nav-links { display: flex; gap: 36px; align-items: center; }
  .nav-cta {
    background: var(--gold) !important;
    color: var(--navy) !important;
    padding: 10px 24px; border-radius: 6px;
    font-weight: 600 !important;
    transition: transform 0.2s, box-shadow 0.2s !important;
  }
  .nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(246,192,87,0.4); color: var(--navy) !important; }

  /* ── HERO ── */
  .hero {
    min-height: 100vh;
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: 0;
    padding: 120px 48px 80px;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute; inset: 0;
    background:
      radial-gradient(ellipse 80% 60% at 20% 50%, rgba(0,61,117,0.8) 0%, transparent 60%),
      radial-gradient(ellipse 60% 80% at 80% 20%, rgba(246,192,87,0.08) 0%, transparent 50%);
    pointer-events: none;
  }
  .hero-bg-lines {
    position: absolute; inset: 0; pointer-events: none; opacity: 0.04;
    background-image: repeating-linear-gradient(
      90deg, var(--gold) 0, var(--gold) 1px, transparent 0, transparent 80px
    ),
    repeating-linear-gradient(
      0deg, var(--gold) 0, var(--gold) 1px, transparent 0, transparent 80px
    );
  }
  .hero-left { position: relative; z-index: 2; padding-right: 60px; }
  .badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(246,192,87,0.12);
    border: 1px solid rgba(246,192,87,0.3);
    color: var(--gold);
    font-size: 0.8rem; font-weight: 600; letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 8px 16px; border-radius: 50px;
    margin-bottom: 28px;
    animation: fadeUp 0.6s ease both;
  }
  .badge svg { width: 14px; height: 14px; }
  h1 {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2.6rem, 4vw, 3.8rem);
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 24px;
    animation: fadeUp 0.6s 0.1s ease both;
  }
  h1 em { color: var(--gold); font-style: normal; }
  .hero-sub {
    font-size: 1.1rem; font-weight: 300; line-height: 1.7;
    color: rgba(255,255,255,0.7);
    max-width: 420px;
    margin-bottom: 40px;
    animation: fadeUp 0.6s 0.2s ease both;
  }
  .trust-row {
    display: flex; align-items: center; gap: 28px;
    animation: fadeUp 0.6s 0.3s ease both;
  }
  .trust-item {
    display: flex; align-items: center; gap: 10px;
  }
  .trust-icon {
    width: 40px; height: 40px; border-radius: 10px;
    background: rgba(246,192,87,0.1);
    border: 1px solid rgba(246,192,87,0.2);
    display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  }
  .trust-icon svg { width: 18px; height: 18px; color: var(--gold); }
  .trust-label { font-size: 0.8rem; color: rgba(255,255,255,0.55); line-height: 1.3; }
  .trust-label strong { display: block; font-size: 0.95rem; font-weight: 600; color: var(--white); }
  .trust-divider { width: 1px; height: 36px; background: rgba(255,255,255,0.1); }

  /* ── FORM CARD ── */
  .hero-right {
    position: relative; z-index: 2;
    animation: fadeUp 0.6s 0.15s ease both;
  }
  .form-card {
    background: var(--white) !important;
    border-radius: 20px;
    padding: 44px;
    box-shadow: var(--shadow), 0 0 0 1px rgba(255,255,255,0.05);
    color: var(--navy) !important;
    max-width: 500px;
    margin-left: auto;
  }
  .form-header { margin-bottom: 32px; }
  .form-header h2 {
    font-family: 'Poppins', sans-serif;
    font-size: 1.65rem; font-weight: 700 !important;
    color: var(--navy) !important;
    margin-bottom: 6px;
  }
  .form-header p { font-size: 0.875rem; color: var(--text-muted) !important; }

  /* Progress */
  .progress-bar {
    display: flex; gap: 6px; margin-bottom: 32px;
  }
  .progress-seg {
    flex: 1; height: 4px; border-radius: 4px;
    background: #e8edf3;
    transition: background 0.4s ease;
  }
  .progress-seg.active { background: var(--gold); }
  .progress-seg.done { background: var(--navy); }

  /* Steps */
  .step { display: none; }
  .step.active { display: block; animation: stepIn 0.35s ease both; }
  @keyframes stepIn { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: none; } }

  .step-label {
    font-size: 0.75rem; font-weight: 600 !important; letter-spacing: 0.08em;
    text-transform: uppercase; color: var(--text-muted) !important;
    margin-bottom: 10px;
  }
  .step-question {
    font-family: 'Poppins', sans-serif;
    font-size: 1.25rem; font-weight: 700 !important; color: var(--navy) !important;
    margin-bottom: 24px; line-height: 1.35;
  }

  /* Option cards */
  .option-grid { display: grid; gap: 12px; }
  .option-grid.cols-2 { grid-template-columns: 1fr 1fr; }
  .option-grid.cols-3 { grid-template-columns: 1fr 1fr 1fr; }

  .option-card {
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    gap: 10px;
    padding: 20px 12px;
    border: 2px solid #e8edf3 !important;
    border-radius: 12px;
    cursor: pointer;
    transition: all 0.2s ease;
    background: var(--white) !important;
    text-align: center;
    user-select: none;
  }
  .option-card:hover {
    border-color: var(--navy) !important;
    background: #f0f4f8 !important;
    transform: translateY(-2px);
  }
  .option-card.selected {
    border-color: var(--navy) !important;
    background: var(--navy) !important;
    color: var(--white) !important;
  }
  .option-card.selected .option-icon { background: rgba(246,192,87,0.2) !important; }
  .option-card.selected .option-icon svg { color: var(--gold) !important; }
  .option-card.selected .option-label { color: var(--white) !important; }
  .option-icon {
    width: 44px; height: 44px;
    background: #eef2f7 !important; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    transition: background 0.2s;
  }
  .option-icon svg { width: 22px; height: 22px; color: var(--navy) !important; transition: color 0.2s; }
  .option-label { font-size: 0.875rem; font-weight: 600 !important; color: var(--navy) !important; transition: color 0.2s; }

  /* State select */
  .state-select-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
  .state-btn {
    padding: 12px 16px;
    border: 2px solid #e8edf3 !important; border-radius: 10px;
    background: var(--white) !important; cursor: pointer;
    font-family: 'Poppins', sans-serif;
    font-size: 0.875rem; font-weight: 500 !important; color: var(--navy) !important;
    transition: all 0.2s; text-align: left;
    display: flex; align-items: center; gap: 10px;
  }
  .state-btn:hover { border-color: var(--navy) !important; background: #f0f4f8 !important; color: var(--navy) !important; }
  .state-btn.selected { border-color: var(--navy) !important; background: var(--navy) !important; color: var(--white) !important; }
  .state-abbr {
    width: 32px; height: 32px; border-radius: 6px;
    background: #eef2f7 !important; font-size: 0.75rem; font-weight: 700 !important;
    display: flex; align-items: center; justify-content: center;
    color: var(--navy) !important; transition: all 0.2s; flex-shrink: 0;
  }
  .state-btn.selected .state-abbr { background: rgba(246,192,87,0.25) !important; color: var(--gold) !important; }

  /* Contact form */
  .contact-fields { display: flex; flex-direction: column; gap: 14px; }
  .field-group { position: relative; }
  .field-group label {
    display: block; font-size: 0.78rem; font-weight: 600 !important;
    color: var(--text-muted) !important; margin-bottom: 6px; letter-spacing: 0.03em;
  }
  .field-group .field-icon {
    position: absolute; left: 14px; bottom: 0;
    height: 46px; display: flex; align-items: center;
  }
  .field-group .field-icon svg { width: 18px; height: 18px; color: #9baab8 !important; }
  .field-group input {
    width: 100%; height: 46px;
    padding: 0 14px 0 44px;
    border: 2px solid #e8edf3 !important; border-radius: 10px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.9rem; color: var(--navy) !important;
    background: var(--white) !important;
    outline: none; transition: border-color 0.2s;
  }
  .field-group input:focus { border-color: var(--navy) !important; }
  .field-group input::placeholder { color: #b0bbc8 !important; }

  /* CTA Button */
  .btn-primary {
    width: 100%; height: 52px;
    background: var(--gold) !important; color: var(--navy) !important;
    border: none; border-radius: 10px;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem; font-weight: 700 !important;
    cursor: pointer; margin-top: 20px;
    transition: all 0.2s; letter-spacing: 0.01em;
    display: flex; align-items: center; justify-content: center; gap: 8px;
  }
  .btn-primary:hover { background: #e8ad40; transform: translateY(-1px); box-shadow: 0 8px 24px rgba(246,192,87,0.4); }
  .btn-primary svg { width: 18px; height: 18px; }

  /* Success state */
  .success-state {
    text-align: center; padding: 20px 0;
  }
  .success-icon {
    width: 72px; height: 72px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 20px;
    box-shadow: 0 8px 28px rgba(0,40,78,0.3);
  }
  .success-icon svg { width: 36px; height: 36px; color: var(--gold); }
  .success-state h3 { font-family: 'Poppins', sans-serif; font-size: 1.5rem; font-weight: 700; margin-bottom: 10px; }
  .success-state p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.6; }

  /* ── SOCIAL PROOF STRIP ── */
  .proof-strip {
    background: rgba(255,255,255,0.04);
    border-top: 1px solid rgba(255,255,255,0.06);
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 28px 48px;
    display: flex; align-items: center; justify-content: center; gap: 60px;
    flex-wrap: wrap;
  }
  .proof-item {
    display: flex; align-items: center; gap: 14px;
  }
  .proof-num {
    font-family: 'Poppins', sans-serif;
    font-size: 2rem; font-weight: 900; color: var(--gold);
    line-height: 1;
  }
  .proof-desc { font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.4; }
  .proof-desc strong { display: block; color: var(--white); font-size: 0.9rem; }

  /* ── HOW IT WORKS ── */
  .how-section {
    padding: 100px 48px;
    max-width: 1100px; margin: 0 auto;
  }
  .section-tag {
    display: inline-block;
    font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--gold);
    margin-bottom: 12px;
  }
  .section-title {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2rem, 3vw, 2.8rem); font-weight: 900;
    line-height: 1.15; letter-spacing: -0.02em;
    margin-bottom: 60px;
  }
  .steps-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  }
  .step-card {
    padding: 32px 24px;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 16px;
    position: relative;
    transition: background 0.3s, transform 0.3s;
  }
  .step-card:hover { background: rgba(255,255,255,0.07); transform: translateY(-4px); }
  .step-num {
    font-family: 'Poppins', sans-serif;
    font-size: 3rem; font-weight: 900; color: rgba(246,192,87,0.15);
    line-height: 1; margin-bottom: 16px;
  }
  .step-card-icon {
    width: 48px; height: 48px; border-radius: 12px;
    background: rgba(246,192,87,0.12);
    border: 1px solid rgba(246,192,87,0.2);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
  }
  .step-card-icon svg { width: 22px; height: 22px; color: var(--gold); }
  .step-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
  .step-card p { font-size: 0.85rem; color: rgba(255,255,255,0.55); line-height: 1.6; }

  /* ── REVIEWS ── */
  .reviews-section {
    padding: 80px 48px;
    background: rgba(255,255,255,0.02);
    border-top: 1px solid rgba(255,255,255,0.06);
  }
  .reviews-inner { max-width: 1100px; margin: 0 auto; }
  .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
  .review-card {
    padding: 28px;
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 16px;
    transition: transform 0.3s;
  }
  .review-card:hover { transform: translateY(-4px); }
  .stars { display: flex; gap: 3px; margin-bottom: 14px; }
  .stars svg { width: 16px; height: 16px; color: var(--gold); }
  .review-text { font-size: 0.875rem; color: rgba(255,255,255,0.7); line-height: 1.65; margin-bottom: 18px; }
  .reviewer { display: flex; align-items: center; gap: 12px; }
  .reviewer-avatar {
    width: 38px; height: 38px; border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-light), var(--gold));
    display: flex; align-items: center; justify-content: center;
    font-size: 0.85rem; font-weight: 700; color: var(--navy);
    flex-shrink: 0;
  }
  .reviewer-name { font-size: 0.85rem; font-weight: 600; }
  .reviewer-sub { font-size: 0.75rem; color: rgba(255,255,255,0.4); }

  /* ── CTA SECTION ── */
  .cta-section {
    padding: 100px 48px;
    text-align: center;
    position: relative; overflow: hidden;
  }
  .cta-section::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(246,192,87,0.06) 0%, transparent 70%);
    pointer-events: none;
  }
  .cta-section h2 {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2rem, 3.5vw, 3rem); font-weight: 900;
    letter-spacing: -0.02em; margin-bottom: 20px;
  }
  .cta-section h2 em { color: var(--gold); font-style: normal; }
  .cta-section p { font-size: 1rem; color: rgba(255,255,255,0.6); margin-bottom: 40px; max-width: 480px; margin-left: auto; margin-right: auto; }
  .cta-btn-large {
    display: inline-flex; align-items: center; gap: 10px;
    background: var(--gold) !important; color: var(--navy) !important;
    padding: 18px 44px; border-radius: 10px;
    font-family: 'Poppins', sans-serif;
    font-size: 1.05rem; font-weight: 700 !important;
    text-decoration: none !important; letter-spacing: 0.01em;
    transition: all 0.2s;
    box-shadow: 0 8px 32px rgba(246,192,87,0.3);
  }
  .cta-btn-large:hover { transform: translateY(-2px); box-shadow: 0 14px 44px rgba(246,192,87,0.45); }
  .cta-btn-large svg { width: 20px; height: 20px; }

  /* ── FOOTER ── */
  footer {
    padding: 40px 48px;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex; align-items: center; justify-content: space-between;
    flex-wrap: wrap; gap: 20px;
  }
  footer p { font-size: 0.8rem; color: rgba(255,255,255,0.35); }
  .footer-links { display: flex; gap: 24px; }
  .footer-links a { font-size: 0.8rem; color: rgba(255,255,255,0.4); text-decoration: none; transition: color 0.2s; }
  .footer-links a:hover { color: var(--gold); }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: none; }
  }

  @media (max-width: 900px) {
    .hero { grid-template-columns: 1fr; padding: 100px 24px 60px; gap: 48px; }
    .hero-left { padding-right: 0; }
    .form-card { margin: 0 auto; }
    nav { padding: 16px 24px; }
    .nav-links { display: none; }
    .steps-grid { grid-template-columns: 1fr 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .proof-strip { gap: 32px; padding: 24px; }
    .how-section, .reviews-section, .cta-section { padding: 60px 24px; }
    footer { padding: 32px 24px; flex-direction: column; text-align: center; }
    .footer-links { justify-content: center; }
    .option-grid.cols-3 { grid-template-columns: 1fr 1fr; }
  }

  /* Offset anchor links so fixed nav doesn't overlap */
  #how-it-works, #reviews, #get-a-quote, #quote-form, #faqs {
    scroll-margin-top: 90px;
  }

  /* ── FAQs ── */
  .faq-section {
    padding: 100px 48px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }
  .faq-inner { max-width: 800px; margin: 0 auto; }
  .faq-list { margin-top: 48px; display: flex; flex-direction: column; gap: 12px; }

  .faq-item {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 14px;
    overflow: hidden;
    transition: background 0.3s;
  }
  .faq-item.open {
    background: rgba(255,255,255,0.07);
    border-color: rgba(246,192,87,0.25);
  }

  .faq-question {
    width: 100%;
    display: flex; align-items: center; justify-content: space-between; gap: 16px;
    padding: 22px 28px;
    background: none !important; border: none; cursor: pointer;
    text-align: left;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem; font-weight: 600 !important;
    color: var(--white) !important;
    line-height: 1.4;
  }
  .faq-question:hover { color: var(--gold) !important; }
  .faq-item.open .faq-question { color: var(--gold) !important; }

  .faq-icon {
    width: 20px; height: 20px; flex-shrink: 0;
    color: var(--gold);
    transition: transform 0.3s ease;
  }
  .faq-item.open .faq-icon { transform: rotate(180deg); }

  .faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.3s ease;
    padding: 0 28px;
  }
  .faq-item.open .faq-answer {
    max-height: 300px;
    padding: 0 28px 22px;
  }
  .faq-answer p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.65) !important;
    line-height: 1.75;
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 16px;
  }

  @media (max-width: 900px) {
    .faq-section { padding: 60px 24px; }
    .faq-question { padding: 18px 20px; font-size: 0.9rem; }
    .faq-answer { padding: 0 20px; }
    .faq-item.open .faq-answer { padding: 0 20px 18px; }
  }

  @keyframes spin { to { transform: rotate(360deg); } }