/* ============================================================
   SWFL Health & Life Insurance — Design System
   Palette B: teal/green + warm accent (chosen by site owner)
   Re-theme the entire site by editing the six variables below.
   ============================================================ */
:root {
  --pine:        #0B3D3A;   /* deep teal — headers, footer, text accents */
  --teal:        #147D74;   /* primary brand teal — links, icons, borders */
  --teal-soft:   #E3F0EE;   /* soft teal tint — section backgrounds */
  --amber:       #E08A2E;   /* warm accent — CTA buttons */
  --amber-dark:  #C4741F;   /* CTA hover */
  --cream:       #FBFAF6;   /* warm off-white page background */
  --ink:         #1E2A28;   /* body text */
  --ink-soft:    #4A5A57;   /* secondary text */
  --white:       #FFFFFF;
  --line:        #DCE5E2;   /* hairline borders */
  --radius:      14px;
  --shadow:      0 10px 30px rgba(11, 61, 58, 0.10);
  --font-head:   "Fraunces", Georgia, "Times New Roman", serif;
  --font-body:   "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--pine); line-height: 1.2; font-weight: 600; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: 0.6em; }
h3 { font-size: 1.2rem; margin-bottom: 0.4em; }
p { margin-bottom: 1em; }
ul, ol { margin: 0 0 1em 1.3em; }
li { margin-bottom: 0.35em; }
.container { max-width: 1140px; margin: 0 auto; padding: 0 22px; }
.section { padding: 72px 0; }
.section.tint { background: var(--teal-soft); }
.section.white { background: var(--white); }
.center { text-align: center; }
.lede { font-size: 1.15rem; color: var(--ink-soft); max-width: 720px; }
.center .lede { margin-left: auto; margin-right: auto; }
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--teal); margin-bottom: 12px;
}
.grid { display: grid; gap: 26px; }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid.cols-3, .grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .grid.cols-2, .grid.cols-3, .grid.cols-4 { grid-template-columns: 1fr; }
  .section { padding: 52px 0; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; font-weight: 700; font-size: 1rem; padding: 14px 28px;
  border-radius: 999px; border: 2px solid transparent; cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  text-decoration: none !important;
}
.btn-primary { background: var(--amber); color: var(--white); box-shadow: 0 6px 18px rgba(224, 138, 46, 0.35); }
.btn-primary:hover { background: var(--amber-dark); transform: translateY(-2px); }
.btn-outline { border-color: var(--teal); color: var(--teal); background: transparent; }
.btn-outline:hover { background: var(--teal); color: var(--white); }
.btn-light { background: var(--white); color: var(--pine); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-lg { padding: 17px 36px; font-size: 1.08rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100; background: rgba(251, 250, 246, 0.96);
  backdrop-filter: blur(8px); border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 22px; max-width: 1240px; margin: 0 auto; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none !important; }
.logo:hover { text-decoration: none; }
.logo svg { display: block; }
.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav > a, .main-nav .nav-drop > button {
  font-weight: 600; font-size: 0.98rem; color: var(--pine); background: none; border: none;
  cursor: pointer; font-family: var(--font-body); padding: 8px 0; display: inline-flex; align-items: center; gap: 6px;
}
.main-nav a:hover { color: var(--teal); text-decoration: none; }
.nav-drop { position: relative; }
.nav-drop .drop-menu {
  position: absolute; top: calc(100% + 10px); left: -18px; min-width: 270px; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 10px; opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: all 0.18s ease; z-index: 50;
}
.nav-drop:hover .drop-menu, .nav-drop:focus-within .drop-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.drop-menu a { display: block; padding: 10px 14px; border-radius: 8px; color: var(--ink); font-weight: 500; font-size: 0.95rem; }
.drop-menu a:hover { background: var(--teal-soft); color: var(--pine); text-decoration: none; }
.drop-menu a span { display: block; font-size: 0.82rem; color: var(--ink-soft); font-weight: 400; }
.header-cta { display: flex; align-items: center; gap: 16px; }
.header-phone { display: none; font-weight: 700; color: var(--pine); white-space: nowrap; }
.header-phone:hover { color: var(--teal); text-decoration: none; }
.header-cta .btn { padding: 11px 22px; font-size: 0.95rem; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: var(--pine); margin: 5px 0; border-radius: 2px; }
@media (max-width: 1020px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0; background: var(--white);
    flex-direction: column; align-items: stretch; padding: 14px 22px 22px; gap: 4px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none;
    max-height: calc(100dvh - 82px); overflow-y: auto; overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
  }
  .main-nav.open { display: flex; }
  .main-nav > a, .main-nav .nav-drop > button { padding: 12px 0; font-size: 1.05rem; }
  .main-nav .nav-drop > button { width: 100%; justify-content: space-between; text-align: left; }
  .main-nav .nav-drop > button svg { transition: transform 0.18s ease; }
  .main-nav .nav-drop.is-open > button svg { transform: rotate(180deg); }
  .nav-drop .drop-menu { position: static; display: none; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; padding: 0 0 8px 16px; }
  .nav-drop.is-open .drop-menu { display: block; }
  .main-nav .header-cta { padding-top: 10px; }
  body.mobile-nav-open { overflow: hidden; }
  body.mobile-nav-open .floating-call { opacity: 0; pointer-events: none; transform: translateY(12px); }
  .header-phone { display: none; }
}

/* ---------- Hero ---------- */
.hero { background: linear-gradient(160deg, var(--pine) 0%, #0F4F49 55%, var(--teal) 130%); color: var(--white); padding: 84px 0 96px; position: relative; overflow: hidden; }
.hero::after {
  content: ""; position: absolute; right: -180px; top: -180px; width: 560px; height: 560px;
  background: radial-gradient(circle, rgba(224,138,46,0.22) 0%, transparent 65%); pointer-events: none;
}
.hero h1 { color: var(--white); max-width: 760px; }
.hero .lede { color: rgba(255,255,255,0.88); margin-top: 18px; }
.hero .trust-row { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 34px; font-size: 0.92rem; color: rgba(255,255,255,0.85); }
.hero .trust-row span { display: inline-flex; align-items: center; gap: 8px; }
.hero .trust-row svg { flex: none; }
.hero-quote-first { padding: 56px 0 78px; }
.hero-quote-layout { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: 64px; align-items: center; }
.hero-message { max-width: 640px; }
.hero-quote-first .zip-box { margin-top: 0; max-width: 100%; }
@media (max-width: 780px) {
  .hero-quote-first { padding: 40px 0 60px; }
  .hero-quote-layout { grid-template-columns: 1fr; gap: 34px; }
}

/* ZIP capture box */
.zip-box {
  background: var(--white); border-radius: 20px; box-shadow: 0 24px 60px rgba(0,0,0,0.28);
  padding: 30px; margin-top: 42px; max-width: 640px; position: relative; z-index: 2;
}
.zip-box h2 { font-size: 1.35rem; margin-bottom: 4px; }
.zip-box p.sub { color: var(--ink-soft); font-size: 0.95rem; margin-bottom: 18px; }
.zip-toggle { display: flex; gap: 8px; margin-bottom: 16px; }
.zip-toggle button {
  flex: 1; padding: 11px 8px; border-radius: 10px; border: 2px solid var(--line); background: var(--cream);
  font-weight: 700; font-size: 0.92rem; color: var(--ink-soft); cursor: pointer; transition: all 0.15s ease;
}
.zip-toggle button.active { border-color: var(--teal); background: var(--teal-soft); color: var(--pine); }
.zip-form { display: flex; gap: 10px; }
.zip-form input {
  flex: 1; padding: 15px 18px; font-size: 1.1rem; border: 2px solid var(--line); border-radius: 12px;
  font-family: var(--font-body); color: var(--ink); min-width: 0;
}
.zip-form input:focus { outline: none; border-color: var(--teal); }
.zip-form .btn { white-space: nowrap; }
.zip-box .fine { font-size: 0.8rem; color: var(--ink-soft); margin-top: 12px; margin-bottom: 0; }
@media (max-width: 560px) { .zip-form { flex-direction: column; } }

/* Persistent call control — intentionally replaces the header phone number. */
.floating-call {
  position: fixed; right: 22px; bottom: 22px; z-index: 150; display: inline-flex;
  align-items: center; gap: 10px; padding: 14px 18px; background: var(--amber); color: var(--white);
  font-weight: 800; border-radius: 999px; box-shadow: 0 12px 30px rgba(11, 61, 58, 0.28);
  text-decoration: none !important; transition: transform 0.16s ease, background 0.16s ease, box-shadow 0.16s ease;
}
.floating-call:hover { background: var(--amber-dark); color: var(--white); transform: translateY(-3px); box-shadow: 0 16px 34px rgba(11, 61, 58, 0.32); }
.floating-call:focus-visible { outline: 3px solid var(--white); outline-offset: 3px; }
.floating-call svg { width: 19px; height: 19px; flex: none; }
@media (max-width: 560px) {
  .floating-call { right: 14px; bottom: 14px; padding: 14px 16px; }
  .floating-call span { display: none; }
}

/* ---------- Cards ---------- */
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; transition: transform 0.18s ease, box-shadow 0.18s ease; height: 100%;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card .icon {
  width: 52px; height: 52px; border-radius: 14px; background: var(--teal-soft);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.card h3 a { color: var(--pine); }
.card p { color: var(--ink-soft); font-size: 0.96rem; margin-bottom: 0; }
.card .card-link { display: inline-block; margin-top: 14px; font-weight: 700; font-size: 0.92rem; }

/* ---------- Steps / process ---------- */
.steps { counter-reset: step; }
.step { display: flex; gap: 20px; align-items: flex-start; }
.step::before {
  counter-increment: step; content: counter(step); flex: none;
  width: 46px; height: 46px; border-radius: 50%; background: var(--pine); color: var(--white);
  font-family: var(--font-head); font-size: 1.25rem; display: flex; align-items: center; justify-content: center;
}
.step h3 { margin-bottom: 4px; }
.step p { color: var(--ink-soft); margin-bottom: 0; }

/* ---------- FAQ ---------- */
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; overflow: hidden; }
.faq summary {
  cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--pine); font-size: 1.02rem;
  list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 14px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--teal); flex: none; transition: transform 0.15s ease; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details .faq-body { padding: 0 22px 20px; color: var(--ink-soft); }
.faq details .faq-body p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(135deg, var(--pine), #10544D); color: var(--white); border-radius: 24px; padding: 56px 48px; text-align: center; }
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(255,255,255,0.85); max-width: 620px; margin: 0 auto 26px; }
.cta-band .btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.cta-band .phone-big { font-family: var(--font-head); font-size: 1.6rem; color: var(--white); display: inline-block; margin-top: 20px; }
.cta-band .phone-big:hover { color: var(--amber); text-decoration: none; }

/* ---------- Quote form ---------- */
.form-shell { background: var(--white); border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); padding: 40px; max-width: 720px; margin: 0 auto; }
.form-progress { display: flex; gap: 8px; margin-bottom: 30px; }
.form-progress span { flex: 1; height: 6px; border-radius: 3px; background: var(--line); }
.form-progress span.done { background: var(--teal); }
.form-step { display: none; }
.form-step.active { display: block; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.95rem; margin-bottom: 6px; color: var(--pine); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 2px solid var(--line); border-radius: 10px;
  font-size: 1rem; font-family: var(--font-body); color: var(--ink); background: var(--cream);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--teal); background: var(--white); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; }
.form-note { font-size: 0.82rem; color: var(--ink-soft); margin-top: 18px; }
.form-success { text-align: center; padding: 20px 0; }
.form-success .check { width: 72px; height: 72px; border-radius: 50%; background: var(--teal-soft); margin: 0 auto 20px; display: flex; align-items: center; justify-content: center; }

/* ---------- Footer ---------- */
.site-footer { background: var(--pine); color: rgba(255,255,255,0.82); padding: 64px 0 0; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 44px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: var(--white); font-family: var(--font-body); font-size: 0.85rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer a { color: rgba(255,255,255,0.82); display: block; padding: 4px 0; font-size: 0.95rem; }
.site-footer a:hover { color: var(--amber); text-decoration: none; }
.footer-brand p { font-size: 0.92rem; margin-top: 14px; max-width: 300px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.15); padding: 22px 0 30px; font-size: 0.8rem; color: rgba(255,255,255,0.6); }
.footer-legal p { margin-bottom: 8px; }

/* ---------- Article / prose pages ---------- */
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.2em 0; font-size: 0.95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 10px 14px; text-align: left; }
.prose th { background: var(--teal-soft); color: var(--pine); }
.prose blockquote { border-left: 4px solid var(--amber); padding: 6px 0 6px 20px; margin: 1.4em 0; color: var(--ink-soft); font-style: italic; }
.breadcrumb { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 22px; }
.breadcrumb a { color: var(--teal); }
.article-meta { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 28px; }

/* ---------- Misc ---------- */
.pill-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.pill { background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 8px 16px; font-size: 0.88rem; font-weight: 600; color: var(--pine); }
.two-col { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; gap: 32px; } }
.check-list { list-style: none; margin-left: 0; }
.check-list li { padding-left: 32px; position: relative; margin-bottom: 12px; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 4px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--teal-soft) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="%23147D74" stroke-width="3.4" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"/></svg>') center/12px no-repeat;
}
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; text-align: center; }
@media (max-width: 640px) { .stat-row { grid-template-columns: 1fr; } }
.stat .num { font-family: var(--font-head); font-size: 2.4rem; color: var(--teal); }
.stat .lbl { font-size: 0.9rem; color: var(--ink-soft); }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 12px; top: 12px; background: var(--pine); color: var(--white); padding: 10px 16px; border-radius: 8px; z-index: 999; }

/* Required-field hint in form labels */
.req { color: #C0392B; font-size: 0.85em; font-weight: 500; }