/* Annuity Guys — Annuity Evaluation Quiz LP (minimal-first concept) */

:root {
  --primary: #062d42;
  --primary-tint: #0a3a55;
  --primary-deep: #041e2d;
  --secondary: #68d163;
  --secondary-dark: #2d7049;
  --light-green: #9bdb94;
  --accent-pale: #dcf3dc;
  --ink: #1a2733;
  --ink-2: #4a5a6a;
  --ink-3: #6f8090;
  --bg: #ffffff;
  --bg-soft: #f6f8f6;
  --bg-tint: #eef5ee;
  --rule: #e3eae3;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 1.1;
  color: var(--primary);
}

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--secondary-dark);
}
.eyebrow.on-dark { color: var(--light-green); }

a { color: inherit; }
button { font-family: inherit; cursor: pointer; border: 0; background: none; }

.container { max-width: 1240px; margin: 0 auto; padding: 0 28px; }
.container-tight { max-width: 980px; margin: 0 auto; padding: 0 28px; }

/* ─── LP NAV (minimal, white) ────────────────────── */
.lp-nav {
  background: #fff;
  border-bottom: 1px solid var(--rule);
  padding: 14px 0;
}
.lp-nav-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 32px;
  align-items: center;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 28px;
}
.lp-nav-logo img { height: 36px; display: block; }
.lp-nav-trust {
  display: flex;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
}
.lp-nav-trust .trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 12.5px;
  color: var(--ink-2);
  line-height: 1.35;
}
.lp-nav-trust .trust-item b { color: var(--primary); font-weight: 700; }
.lp-nav-trust .trust-icon {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--accent-pale);
  color: var(--secondary-dark);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.lp-nav-phone {
  background: var(--secondary);
  color: var(--primary);
  border-radius: 8px;
  padding: 10px 18px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  transition: background 0.15s ease, transform 0.15s ease;
}
.lp-nav-phone:hover { background: var(--light-green); transform: translateY(-1px); }
.lp-nav-phone .phone-icon {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: rgba(6,45,66,0.12);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.lp-nav-phone .phone-q {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  line-height: 1.2;
}
.lp-nav-phone .phone-num {
  font-size: 14.5px;
  font-weight: 800;
  letter-spacing: 0.01em;
  line-height: 1.2;
}

/* ─── LP HERO (minimal, centered) ────────────────── */
.lp-hero {
  background: #fff;
  padding: 56px 24px 40px;
}
.lp-hero-inner {
  max-width: 880px;
  margin: 0 auto;
  text-align: center;
}
.lp-eyebrow {
  font-size: 15.5px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: 0.005em;
  margin-bottom: 16px;
}
.lp-h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.12;
  color: var(--secondary-dark);
  font-weight: 700;
  letter-spacing: -0.015em;
  max-width: 920px;
  margin: 0 auto 22px;
}
.lp-h1 em {
  font-style: italic;
  color: var(--primary);
  font-weight: 700;
}
.lp-h1 .underline {
  position: relative;
  display: inline-block;
  white-space: nowrap;
}
.lp-h1 .underline::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 2px;
  height: 8px;
  background: var(--secondary);
  opacity: 0.3;
  border-radius: 2px;
  z-index: -1;
}
.lp-sub {
  font-size: 17px;
  color: var(--ink-2);
  margin-bottom: 36px;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}
.lp-quiz-wrap {
  max-width: 720px;
  margin: 0 auto;
}

/* ─── QUIZ SHELL (minimal, no shadow drama) ───────── */
.quiz-shell {
  position: relative;
  background: #fff;
  color: var(--ink);
  border-radius: 14px;
  border: 1.5px solid var(--rule);
  box-shadow: 0 6px 20px rgba(6,45,66,0.06);
  overflow: hidden;
  text-align: left;
}

.quiz-head {
  background: var(--bg-soft);
  padding: 16px 28px 14px;
  border-bottom: 1px solid var(--rule);
}
.quiz-progress-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
  gap: 16px;
}
.quiz-step-label {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--secondary-dark);
}
.quiz-time {
  font-size: 11.5px;
  color: var(--ink-2);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.quiz-progress-bar {
  height: 6px;
  background: rgba(6, 45, 66, 0.08);
  border-radius: 3px;
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--secondary), var(--light-green));
  border-radius: 3px;
  transition: width 0.5s cubic-bezier(0.4,0,0.2,1);
}
.quiz-stepdots {
  display: flex;
  gap: 4px;
  margin-top: 10px;
}
.quiz-stepdots .dot {
  flex: 1;
  height: 3px;
  border-radius: 2px;
  background: rgba(6,45,66,0.10);
  transition: background 0.3s;
}
.quiz-stepdots .dot.done { background: var(--secondary); }
.quiz-stepdots .dot.current { background: var(--secondary-dark); }

.quiz-body {
  padding: 36px 36px 32px;
  min-height: 380px;
  display: flex;
  flex-direction: column;
}

.quiz-card-anim {
  animation: cardIn 0.35s cubic-bezier(0.2, 0.6, 0.2, 1);
  display: flex;
  flex-direction: column;
  flex: 1;
}
@keyframes cardIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.quiz-q {
  font-family: 'Playfair Display', serif;
  font-size: clamp(22px, 2.4vw, 28px);
  font-weight: 700;
  line-height: 1.2;
  color: var(--primary);
  margin-bottom: 8px;
  text-align: center;
}
.quiz-help {
  font-size: 14px;
  color: var(--ink-2);
  margin-bottom: 22px;
  line-height: 1.55;
  text-align: center;
}

.quiz-options { display: flex; flex-direction: column; gap: 9px; flex: 1; }
.quiz-options.cols-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; flex: 1; max-width: 480px; margin: 0 auto; width: 100%; }

.quiz-option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 15px 18px;
  border: 1.5px solid var(--rule);
  border-radius: 10px;
  font-size: 15.5px;
  font-weight: 500;
  color: var(--ink);
  text-align: left;
  background: #fff;
  cursor: pointer;
  transition: all 0.15s ease;
  width: 100%;
  font-family: inherit;
}
.quiz-options.cols-2 .quiz-option {
  flex-direction: column;
  justify-content: center;
  text-align: center;
  padding: 28px 16px;
  font-size: 17px;
  font-weight: 600;
  color: var(--secondary-dark);
}
.quiz-options.cols-2 .quiz-option .radio { display: none; }
.quiz-option:hover {
  border-color: var(--secondary);
  background: var(--accent-pale);
  transform: translateY(-1px);
}
.quiz-option.selected {
  border-color: var(--secondary);
  background: var(--accent-pale);
  box-shadow: 0 0 0 3px rgba(104,209,99,0.18);
}
.quiz-option .radio {
  width: 22px; height: 22px;
  border: 2px solid var(--rule);
  border-radius: 50%;
  flex-shrink: 0;
  position: relative;
  transition: border-color 0.15s ease;
}
.quiz-option:hover .radio,
.quiz-option.selected .radio { border-color: var(--secondary); }
.quiz-option.selected .radio::after {
  content: "";
  position: absolute;
  inset: 3px;
  background: var(--secondary);
  border-radius: 50%;
}

.quiz-back {
  background: none;
  border: 0;
  color: var(--ink-2);
  font-size: 13.5px;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 22px;
  align-self: center;
  cursor: pointer;
}
.quiz-back:hover { color: var(--primary); }
.quiz-back:disabled { opacity: 0; pointer-events: none; }

/* Form (final step) */
.quiz-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quiz-form-grid .full { grid-column: span 2; }
.field-label {
  display: block;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--ink-2);
  margin-bottom: 5px;
  text-transform: uppercase;
}
.field-label .req { color: #c84a4a; }
.field-input, .field-select, .field-textarea {
  width: 100%;
  padding: 12px 13px;
  border: 1.5px solid var(--rule);
  border-radius: 8px;
  font-size: 15.5px;
  font-family: inherit;
  color: var(--ink);
  background: #fff;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field-input:focus, .field-select:focus, .field-textarea:focus {
  outline: none;
  border-color: var(--secondary);
  box-shadow: 0 0 0 3px rgba(104,209,99,0.18);
}

.tcpa {
  font-size: 11px;
  line-height: 1.5;
  color: var(--ink-2);
  background: var(--bg-soft);
  border-radius: 8px;
  padding: 12px 14px;
  margin-top: 16px;
  border: 1px solid var(--rule);
}
.tcpa a { color: var(--secondary-dark); text-decoration: underline; }

.quiz-submit {
  width: 100%;
  background: var(--secondary);
  color: var(--primary);
  font-weight: 800;
  font-size: 17px;
  padding: 18px;
  border-radius: 10px;
  margin-top: 14px;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  letter-spacing: 0.01em;
  box-shadow: 0 8px 22px rgba(104,209,99,0.30);
}
.quiz-submit:hover { background: var(--light-green); transform: translateY(-1px); }
.quiz-submit:disabled { opacity: 0.55; cursor: not-allowed; transform: none; box-shadow: none; }

/* Qualified result */
.quiz-result { padding: 36px 36px 40px; }
.quiz-result-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.quiz-result-head .check-circle {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--secondary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
}
.quiz-result h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(22px, 2.4vw, 30px);
  color: var(--primary);
  margin-bottom: 10px;
  line-height: 1.18;
}
.quiz-result h3 em { font-style: italic; color: var(--secondary-dark); font-weight: 500; }
.quiz-result p { color: var(--ink-2); font-size: 15.5px; line-height: 1.6; margin-bottom: 16px; }

.qualified-perks {
  background: var(--bg-soft);
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 18px;
}
.qualified-perks li {
  list-style: none;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--ink);
  line-height: 1.5;
  padding: 6px 0;
}
.qualified-perks li svg { color: var(--secondary); flex-shrink: 0; margin-top: 3px; }
.qualified-perks li b { color: var(--primary); font-weight: 600; }

/* Calendly mock */
.calendly-mock {
  background: #fff;
  border-radius: 12px;
  padding: 22px;
  border: 1.5px solid var(--rule);
  margin-bottom: 16px;
}
.cal-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 18px; padding-bottom: 14px; border-bottom: 1px solid var(--rule); }
.cal-head .month { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 700; color: var(--primary); }
.cal-head .nav-arrows { display: flex; gap: 8px; }
.cal-head .nav-arrows button { background: var(--bg-soft); border: 1px solid var(--rule); width: 30px; height: 30px; border-radius: 6px; color: var(--primary); font-weight: 700; }
.cal-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; margin-bottom: 16px; }
.cal-grid .dow { font-size: 11px; font-weight: 700; color: var(--ink-3); text-align: center; padding: 4px 0; letter-spacing: 0.08em; }
.cal-grid .day {
  aspect-ratio: 1; display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 500; color: var(--ink); border-radius: 6px;
  cursor: pointer; transition: background 0.12s;
}
.cal-grid .day.muted { color: var(--ink-3); cursor: default; }
.cal-grid .day.avail { background: var(--accent-pale); color: var(--secondary-dark); font-weight: 600; }
.cal-grid .day.avail:hover { background: var(--secondary); color: #fff; }
.cal-grid .day.selected { background: var(--secondary); color: #fff; }
.cal-times { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.cal-time {
  background: #fff; border: 1px solid var(--rule);
  padding: 10px 12px; border-radius: 6px;
  font-size: 13.5px; font-weight: 600; color: var(--primary);
  text-align: center; cursor: pointer; transition: all 0.12s;
}
.cal-time:hover { border-color: var(--secondary); background: var(--accent-pale); }

/* Failed asset gate */
.quiz-fail h3 { color: var(--primary); }
.quiz-fail-actions { display: flex; flex-direction: column; gap: 10px; margin-top: 18px; }
.quiz-fail-link {
  display: flex; align-items: center; justify-content: space-between;
  background: var(--bg-soft); border: 1px solid var(--rule);
  border-radius: 10px; padding: 14px 18px;
  text-decoration: none; color: var(--primary);
  font-weight: 600; font-size: 14.5px;
  transition: all 0.15s;
}
.quiz-fail-link:hover { background: var(--accent-pale); border-color: var(--secondary); }

/* ─── Section primitives ─────────────────────────────── */
.section { padding: 80px 0; }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(30px, 3.6vw, 44px); margin: 12px 0 16px; }
.section-head p { color: var(--ink-2); font-size: 17px; line-height: 1.55; }

/* Carriers */
.carriers { background: #fff; padding: 48px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.carriers-label {
  text-align: center; font-size: 12px; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--ink-3); margin-bottom: 24px;
}
.carrier-strip {
  display: grid; grid-template-columns: repeat(5, 1fr);
  gap: 24px; align-items: center;
  max-width: 1080px; margin: 0 auto; padding: 0 28px;
}
.carrier-logo {
  font-family: 'Playfair Display', serif; font-weight: 700; font-size: 17px;
  color: var(--ink-2); text-align: center; padding: 8px;
  letter-spacing: 0.02em; opacity: 0.78;
}
.carrier-logo.serif-bold { font-style: italic; }
.carrier-logo.sans { font-family: 'Inter', sans-serif; font-weight: 800; letter-spacing: 0.04em; }

/* How */
.how { background: var(--bg-soft); }
.how-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
  max-width: 1100px; margin: 0 auto;
}
.how-step {
  background: #fff; border: 1px solid var(--rule);
  border-radius: 14px; padding: 32px 28px 28px; position: relative;
}
.how-step .num {
  position: absolute; top: -18px; left: 24px;
  width: 36px; height: 36px;
  background: var(--secondary); color: var(--primary);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-weight: 800; font-size: 17px;
  border: 4px solid var(--bg-soft);
}
.how-step h4 { font-family: 'Playfair Display', serif; font-size: 21px; margin: 6px 0 8px; color: var(--primary); }
.how-step p { font-size: 14.5px; color: var(--ink-2); line-height: 1.6; }
.how-step p b { color: var(--ink); font-weight: 600; }

/* Bio */
.bio { background: #fff; }
.bio-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 56px; align-items: center; }
.bio-portrait {
  background: var(--accent-pale); border-radius: 16px; aspect-ratio: 4/5;
  background-image: repeating-linear-gradient(45deg, #d3ecd3 0 12px, var(--accent-pale) 12px 24px);
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.bio-portrait .ph-label {
  font-family: 'JetBrains Mono', monospace; font-size: 11.5px;
  color: var(--secondary-dark); background: rgba(255,255,255,0.85);
  padding: 6px 12px; border-radius: 4px;
  border: 1px dashed var(--secondary-dark); letter-spacing: 0.05em;
}
.bio-credentials {
  position: absolute; bottom: 14px; left: 14px; right: 14px;
  background: #fff; border-radius: 8px; padding: 10px 14px;
  display: flex; gap: 14px; flex-wrap: wrap;
  font-size: 11.5px; font-weight: 600; color: var(--primary);
}
.bio-credentials .b { display: inline-flex; align-items: center; gap: 5px; }
.bio-credentials .b svg { color: var(--secondary); }
.bio-content h2 { font-size: clamp(28px, 3.2vw, 40px); margin-bottom: 16px; line-height: 1.15; }
.bio-content h2 em { font-style: italic; color: var(--secondary-dark); font-weight: 500; }
.bio-content p { font-size: 16px; color: var(--ink); line-height: 1.65; margin-bottom: 14px; }
.bio-content p b { color: var(--primary); font-weight: 600; }
.bio-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 24px; padding-top: 24px; border-top: 1px solid var(--rule); }
.bio-stat .num { font-family: 'Playfair Display', serif; font-size: 34px; font-weight: 700; color: var(--primary); line-height: 1; }
.bio-stat .lab { font-size: 11.5px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-2); margin-top: 6px; }
a.bio-stat { text-decoration: none; color: inherit; display: block; transition: opacity .15s ease; }
a.bio-stat:hover { opacity: 0.72; }

/* FAQ */
.faq { background: var(--bg-soft); }
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 8px; }
.faq-item { background: #fff; border: 1px solid var(--rule); border-radius: 10px; overflow: hidden; transition: border-color 0.18s ease, box-shadow 0.18s ease; }
.faq-item.open { border-color: var(--secondary); box-shadow: 0 8px 24px rgba(6, 45, 66, 0.06); }
.faq-trigger {
  width: 100%; text-align: left; padding: 20px 22px;
  background: #fff; font-size: 16px; font-weight: 600; color: var(--primary);
  display: flex; justify-content: space-between; align-items: center;
  font-family: inherit; cursor: pointer; gap: 16px;
}
.faq-trigger .icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--accent-pale); color: var(--secondary-dark);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; transition: transform 0.25s, background 0.18s;
  font-size: 18px; font-weight: 700;
}
.faq-item.open .faq-trigger .icon { transform: rotate(45deg); background: var(--secondary); color: #fff; }
.faq-body { padding: 0 22px; max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; }
.faq-item.open .faq-body { padding: 0 22px 22px; max-height: 800px; }
.faq-body p { font-size: 15px; color: var(--ink-2); line-height: 1.65; }
.faq-body p + p { margin-top: 10px; }

/* Final CTA */
.final-cta {
  background: var(--primary); color: #fff;
  text-align: center; position: relative; overflow: hidden;
}
.final-cta::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(600px 300px at 50% 100%, rgba(104,209,99,0.18), transparent 60%);
  pointer-events: none;
}
.final-cta-inner { position: relative; padding: 80px 28px; max-width: 800px; margin: 0 auto; }
.final-cta h2 { color: #fff; font-size: clamp(32px, 4vw, 48px); margin-bottom: 16px; }
.final-cta h2 em { font-style: italic; color: var(--light-green); font-weight: 500; }
.final-cta p { color: #cfdce5; font-size: 17px; margin-bottom: 28px; max-width: 560px; margin-left: auto; margin-right: auto; line-height: 1.6; }
.btn-primary {
  background: var(--secondary); color: var(--primary);
  font-weight: 800; font-size: 17px; padding: 18px 30px;
  border-radius: 8px; display: inline-flex; align-items: center; gap: 10px;
  text-decoration: none;
  transition: transform 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;
  box-shadow: 0 8px 22px rgba(104, 209, 99, 0.30);
  border: 0; cursor: pointer; font-family: inherit;
}
.btn-primary:hover { background: var(--light-green); transform: translateY(-2px); }
.btn-primary.lg { padding: 22px 36px; font-size: 18.5px; }

/* ─── LP FOOTER (always present, minimal by default) ─ */
.lp-footer {
  background: #fff;
  color: var(--ink-3);
  padding: 32px 0 24px;
  font-size: 12px;
  line-height: 1.7;
  border-top: 1px solid var(--rule);
}
.lp-footer.expanded { background: var(--primary-deep); color: #9eb1bf; padding-top: 48px; border-top: 0; }
.lp-footer.expanded .footer-mini-discl,
.lp-footer.expanded .footer-copyright { color: #6c7e8b; }
.lp-footer.expanded .footer-links-row a { color: var(--light-green); }

.footer-top {
  display: grid; grid-template-columns: 1fr 2fr; gap: 56px;
  padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 24px;
}
.footer-logo img { height: 38px; margin-bottom: 16px; }
.footer-addr p { font-size: 13px; color: #b8c8d4; margin-bottom: 4px; }
.footer-addr a { color: var(--light-green); text-decoration: none; }
.footer-discl { color: #889aa8; font-size: 12px; line-height: 1.7; }
.footer-discl p + p { margin-top: 10px; }

.footer-links-row {
  display: flex;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
  padding: 8px 0 18px;
}
.footer-links-row a {
  color: var(--secondary-dark);
  text-decoration: none;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.footer-links-row a:hover { color: var(--secondary); }

.footer-mini-discl {
  border-top: 1px solid var(--rule);
  padding-top: 18px;
  text-align: center;
  max-width: 1000px;
  margin: 0 auto 16px;
}
.lp-footer.expanded .footer-mini-discl { border-top-color: rgba(255,255,255,0.10); }
.footer-mini-discl p + p { margin-top: 10px; }

.footer-copyright {
  text-align: center;
  font-size: 11.5px;
  color: var(--ink-3);
}

/* ─── Responsive ─────────────────────────────────────── */
@media (max-width: 980px) {
  .lp-nav-inner { grid-template-columns: auto 1fr auto; gap: 16px; }
  .lp-nav-trust { display: none; }
  .lp-nav-phone .phone-q { display: none; }
}
@media (max-width: 900px) {
  .how-grid { grid-template-columns: 1fr; gap: 28px; }
  .bio-grid { grid-template-columns: 1fr; gap: 36px; }
  .carrier-strip { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .quiz-body { padding: 28px 22px 24px; }
  .quiz-result { padding: 28px 22px 32px; }
  .quiz-form-grid { grid-template-columns: 1fr; }
  .quiz-form-grid .full { grid-column: span 1; }
  .quiz-options.cols-2 { grid-template-columns: 1fr; max-width: none; }
  .quiz-options.cols-2 .quiz-option { padding: 18px; flex-direction: row; text-align: left; font-size: 15.5px; }
  .quiz-options.cols-2 .quiz-option .radio { display: block; }
  .section { padding: 60px 0; }
  .lp-hero { padding: 36px 16px 28px; }
}
@media (max-width: 540px) {
  .lp-h1 { font-size: 26px; }
  .lp-sub { font-size: 15.5px; }
  .lp-eyebrow { font-size: 14px; }
  .quiz-q { font-size: 21px; }
  .carrier-strip { grid-template-columns: repeat(2, 1fr); }
  .bio-stats { grid-template-columns: 1fr; gap: 14px; }
  .lp-nav-phone .phone-num { font-size: 13px; }
  .footer-links-row { gap: 16px; font-size: 11px; }
}


/* Book CTA under quiz */
.book-cta {
  max-width: 720px;
  margin: 24px auto 0;
  background: var(--bg-soft);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 22px 26px;
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: 22px;
  align-items: center;
  text-align: left;
}
.book-cta-img img {
  width: 100%;
  height: auto;
  display: block;
  filter: drop-shadow(0 6px 16px rgba(6,45,66,0.18));
}
.book-cta-eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--secondary-dark);
  margin-bottom: 6px;
}
.book-cta h3 {
  font-family: 'Playfair Display', serif;
  font-size: 19px;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.25;
  margin-bottom: 6px;
}
.book-cta h3 em { font-style: italic; color: var(--secondary-dark); font-weight: 600; }
.book-cta p {
  font-size: 13.5px;
  color: var(--ink-2);
  line-height: 1.55;
  margin: 0;
}
@media (max-width: 560px) {
  .book-cta { grid-template-columns: 80px 1fr; gap: 14px; padding: 16px 18px; }
  .book-cta h3 { font-size: 16px; }
  .book-cta p { font-size: 12.5px; }
}

/* Footer copyright at top of disclosure */
.footer-copyright-top {
  text-align: center;
  font-size: 11.5px;
  color: var(--ink-3);
  padding: 14px 0 6px;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.lp-footer.expanded .footer-copyright-top { color: #889aa8; }

/* BBB trust block at top of disclosure */
.footer-bbb-block {
  display: flex;
  align-items: center;
  gap: 18px;
  max-width: 760px;
  margin: 10px auto 18px;
  padding: 14px 18px;
  border: 1px solid var(--rule);
  border-radius: 10px;
  background: #fff;
}
.lp-footer.expanded .footer-bbb-block {
  background: rgba(255,255,255,0.04);
  border-color: rgba(255,255,255,0.10);
}
.footer-bbb-block img {
  width: 110px;
  height: auto;
  flex-shrink: 0;
  border-radius: 4px;
}
.footer-bbb-block p {
  font-size: 12px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
}
.lp-footer.expanded .footer-bbb-block p { color: #b8c8d4; }
.footer-bbb-block b { color: var(--primary); }
.lp-footer.expanded .footer-bbb-block b { color: #fff; }
@media (max-width: 560px) {
  .footer-bbb-block { flex-direction: column; text-align: center; gap: 12px; padding: 16px; }
  .footer-bbb-block img { width: 140px; }
}

/* Form CRS link at the very bottom */
.footer-form-crs {
  text-align: center;
  padding-top: 14px;
  border-top: 1px solid var(--rule);
  margin-top: 14px;
}
.lp-footer.expanded .footer-form-crs { border-top-color: rgba(255,255,255,0.10); }
.footer-form-crs a {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--secondary-dark);
  text-decoration: none;
}
.lp-footer.expanded .footer-form-crs a { color: var(--light-green); }
.footer-form-crs a:hover { color: var(--secondary); text-decoration: underline; }


/* ─── Photo bio portrait (replaces placeholder) ─────── */
.bio-portrait {
  padding: 0;
  overflow: hidden;
  background: #fff;
  background-image: none;
}
.bio-portrait-img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  border-radius: 16px;
}

/* ─── Real carrier logos (Clearbit) ─────────────────── */
.carrier-strip { align-items: center; }
.carrier-logo-img {
  max-height: 38px; max-width: 100%;
  width: auto; height: auto;
  display: block; margin: 0 auto;
  filter: grayscale(1) brightness(0.75);
  opacity: 0.78;
  transition: filter 0.2s, opacity 0.2s;
}
.carrier-logo-img:hover { filter: none; opacity: 1; }

/* ─── Calendly embed (replaces fake mock) ───────────── */
.calendly-embed-wrap {
  position: relative;
  width: 100%;
  border-radius: 12px;
  overflow: hidden;
  border: 1.5px solid var(--rule);
  background: #fff;
  margin-bottom: 16px;
}
.calendly-embed-wrap iframe {
  width: 100%;
  height: 720px;
  border: 0;
  display: block;
}
@media (max-width: 600px) {
  .calendly-embed-wrap iframe { height: 1000px; }
}


/* BBB A+ chip on bio portrait becomes a link */
.bio-credentials a.b {
  text-decoration: none;
  color: var(--primary);
  cursor: pointer;
  transition: color 0.15s;
}
.bio-credentials a.b:hover { color: var(--secondary-dark); }

/* BBB logo in footer becomes a link */
.footer-bbb-logo-link {
  display: block;
  flex-shrink: 0;
  transition: opacity 0.15s;
}
.footer-bbb-logo-link:hover { opacity: 0.85; }
.footer-bbb-logo-link img { display: block; }