/* Envero Life — Insurance quotes funnel (whole life / final expense)
   Shared styles across all pages */

:root {
  --navy: #0b2545;
  --navy-dark: #071a33;
  --navy-light: #13345e;
  --gold: #c9a24b;
  --gold-dark: #a9843a;
  --ink: #1c2530;
  --muted: #5b6b7c;
  --bg: #f7f8fa;
  --white: #ffffff;
  --border: #e3e7ec;
  --radius: 10px;
  --shadow: 0 6px 24px rgba(11, 37, 69, 0.08);
  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}

img { max-width: 100%; display: block; }

a { color: inherit; }

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Top utility bar ---------- */
.topbar {
  background: var(--navy-dark);
  color: #cdd8e6;
  font-size: 13px;
}
.topbar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
  flex-wrap: wrap;
  gap: 6px;
}
.topbar a { color: #cdd8e6; text-decoration: none; }
.topbar a:hover { color: var(--white); }
.topbar .sep { opacity: 0.5; margin: 0 8px; }

/* ---------- Header ---------- */
header.site {
  background: var(--navy);
  color: var(--white);
  padding: 18px 0;
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.brand {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: var(--white);
}
.brand .name {
  font-size: 21px;
  font-weight: 700;
  letter-spacing: 0.3px;
}
.brand .name span { color: var(--gold); }
.brand .tag {
  font-size: 11.5px;
  color: #a9bbd1;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-top: 2px;
}
.header-cta {
  display: flex;
  align-items: center;
  gap: 16px;
}
.header-cta .phone {
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
}
.header-cta .phone small {
  display: block;
  font-weight: 400;
  color: #a9bbd1;
  font-size: 11px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 15.5px;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: transform 0.12s ease, box-shadow 0.12s ease, background 0.15s ease;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-gold:hover { background: var(--gold-dark); transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.55);
  color: var(--white);
}
.btn-outline:hover { border-color: var(--white); }
.btn-block { display: block; width: 100%; text-align: center; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 72px 0 84px;
}
.hero .wrap {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: start;
}
.eyebrow {
  display: inline-block;
  color: var(--gold);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.hero h1 {
  font-size: 42px;
  line-height: 1.15;
  margin: 0 0 18px;
  font-weight: 800;
}
.hero h1 .hl { color: var(--gold); }
.hero p.lead {
  font-size: 18px;
  color: #d3ddea;
  margin: 0 0 28px;
  max-width: 54ch;
}
.hero-points {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.hero-points li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 15.5px;
  color: #e6ecf3;
}
.hero-points li::before {
  content: "✓";
  color: var(--gold);
  font-weight: 800;
  flex-shrink: 0;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-disclaimer {
  margin-top: 18px;
  font-size: 12.5px;
  color: #93a5bb;
  max-width: 50ch;
}

/* ---------- Lead form card ---------- */
.form-card {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius);
  box-shadow: 0 20px 50px rgba(0,0,0,0.25);
  padding: 28px;
}
.form-card h3 {
  margin: 0 0 4px;
  font-size: 20px;
  color: var(--navy);
}
.form-card .sub {
  margin: 0 0 20px;
  font-size: 14px;
  color: var(--muted);
}
.field { margin-bottom: 14px; }
.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 5px;
  color: var(--navy);
}
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 11px 12px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-size: 14.5px;
  font-family: inherit;
  color: var(--ink);
  background: var(--white);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy-light);
}
.row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.consent {
  font-size: 11.5px;
  color: var(--muted);
  margin: 14px 0 16px;
  line-height: 1.5;
}
.consent a { color: var(--navy-light); }
.form-msg {
  display: none;
  margin-top: 12px;
  padding: 10px 12px;
  border-radius: 6px;
  font-size: 13.5px;
}
.form-msg.error {
  display: block;
  background: #fdeceb;
  color: #a4231a;
  border: 1px solid #f3c6c2;
}

/* ---------- Sections ---------- */
section { padding: 72px 0; }
section.alt { background: var(--bg); }
.section-head { max-width: 720px; margin: 0 auto 44px; text-align: center; }
.section-head .eyebrow { display: block; }
.section-head h2 {
  font-size: 32px;
  color: var(--navy);
  margin: 0 0 14px;
  font-weight: 800;
}
.section-head p {
  color: var(--muted);
  font-size: 16.5px;
  margin: 0;
}

/* Problem/solution columns */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.card h3 {
  color: var(--navy);
  font-size: 19px;
  margin: 0 0 10px;
}
.card.problem { border-top: 4px solid #c0392b; }
.card.solution { border-top: 4px solid var(--gold); }
.card ul { margin: 12px 0 0; padding-left: 20px; color: var(--muted); }
.card ul li { margin-bottom: 8px; }

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 22px;
}
.step .num {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  font-size: 15px;
}
.step h4 { margin: 0 0 8px; font-size: 16px; color: var(--navy); }
.step p { margin: 0; font-size: 14.5px; color: var(--muted); }

/* Numbers / illustrative table */
.illustration {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 36px;
}
.illustration h3 { color: var(--gold); margin-top: 0; font-size: 20px; }
table.compare {
  width: 100%;
  border-collapse: collapse;
  margin-top: 18px;
  font-size: 14.5px;
}
table.compare th, table.compare td {
  text-align: left;
  padding: 12px 14px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
table.compare th { color: #a9bbd1; font-weight: 600; font-size: 12.5px; text-transform: uppercase; letter-spacing: 0.5px; }
table.compare td.gold { color: var(--gold); font-weight: 700; }
.fine {
  font-size: 12px;
  color: var(--muted);
}
.illustration .fine {
  margin-top: 16px;
  font-size: 12px;
  color: #93a5bb;
}

/* Qualify grid */
.qualify-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.qualify-grid .item {
  padding: 22px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}
.qualify-grid .item .tick {
  display: inline-flex;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(201,162,75,0.15);
  color: var(--gold-dark);
  align-items: center; justify-content: center;
  font-weight: 800;
  margin-bottom: 10px;
}
.qualify-grid .item p { margin: 0; font-size: 14.5px; color: var(--ink); }

/* FAQ */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  font-size: 16px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--gold-dark);
  font-weight: 400;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p { margin: 12px 0 0; color: var(--muted); font-size: 15px; }

/* Trust line */
.trust-line {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: #cdd8e6;
  margin-bottom: 18px;
}
.trust-line::before {
  content: "";
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}
.form-trust-line {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy-light);
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
}
.form-trust-line::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-dark);
  flex-shrink: 0;
}

/* Industry badge strip */
.industry-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
}
.industry-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 30px;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}
.industry-chip .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
}

/* Illustrative results examples */
.results-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.result-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 22px;
  text-align: center;
}
.result-card .role {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 10px;
}
.result-card .amount {
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}
.result-card .desc {
  font-size: 14px;
  color: var(--muted);
}

/* Final CTA band */
.cta-band {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  text-align: center;
  padding: 64px 0;
}
.cta-band h2 { font-size: 30px; margin: 0 0 14px; }
.cta-band p { color: #d3ddea; font-size: 16.5px; margin: 0 0 28px; }

/* ---------- Footer ---------- */
footer.site {
  background: var(--navy-dark);
  color: #93a5bb;
  padding: 40px 0 28px;
  font-size: 13px;
}
footer.site .foot-top {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 20px;
}
footer.site .foot-brand .name { color: var(--white); font-weight: 700; font-size: 16px; }
footer.site .foot-links { display: flex; gap: 24px; flex-wrap: wrap; }
footer.site .foot-links a { color: #a9bbd1; text-decoration: none; }
footer.site .foot-links a:hover { color: var(--white); }
footer.site .disclosure {
  font-size: 11.5px;
  line-height: 1.6;
  color: #6c7f95;
  max-width: 980px;
}
footer.site .licensed {
  margin-top: 14px;
  font-size: 11.5px;
  color: #6c7f95;
}

/* ---------- Thank you page ---------- */
.ty-wrap {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 24px;
  background: var(--bg);
}
.ty-card {
  max-width: 560px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 48px 40px;
}
.ty-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: rgba(201,162,75,0.15);
  color: var(--gold-dark);
  display: flex; align-items: center; justify-content: center;
  font-size: 30px;
  margin: 0 auto 20px;
}
.ty-card h1 { color: var(--navy); font-size: 26px; margin: 0 0 14px; }
.ty-card p { color: var(--muted); font-size: 16px; margin: 0 0 10px; }

/* ---------- Home hub ---------- */
.hub-hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  text-align: center;
  padding: 90px 0 100px;
}
.hub-hero h1 { font-size: 40px; margin: 0 0 16px; }
.hub-hero p { color: #d3ddea; font-size: 18px; max-width: 640px; margin: 0 auto; }
.hub-paths {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.path-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 20px 50px rgba(0,0,0,0.18);
  padding: 36px;
  text-align: left;
}
.path-card .kicker {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 1px;
  text-transform: uppercase;
}
.path-card h3 { color: var(--navy); font-size: 22px; margin: 10px 0 12px; }
.path-card p { color: var(--muted); font-size: 15px; margin: 0 0 22px; }

/* ---------- Responsive ---------- */
@media (max-width: 880px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .qualify-grid { grid-template-columns: 1fr; }
  .hub-paths { grid-template-columns: 1fr; margin-top: 24px; }
  .row-2 { grid-template-columns: 1fr; }
  .hero h1 { font-size: 32px; }
  footer.site .foot-top { flex-direction: column; }
  .results-grid { grid-template-columns: 1fr; }
}