/* ===== Gold Life Family Protection — navy & gold theme ===== */
:root{
  --navy:#0b2545; --navy-2:#13315c; --navy-3:#1d3f6e;
  --gold:#e0a82e; --gold-2:#f2c463; --gold-dark:#b9851a;
  --cream:#fdf4dc; --soft:#f1f4f9; --line:#dde3ec;
  --ink:#16243a; --muted:#56657a; --white:#fff;
  --radius:14px; --shadow:0 10px 30px rgba(11,37,69,.10);
  --head:"Montserrat",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:var(--body);color:var(--ink);background:#fff;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy-3)}
h1,h2,h3,h4{font-family:var(--head);line-height:1.15;margin:0 0 .5em;color:var(--navy)}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.container{width:min(1160px,92%);margin-inline:auto}
.narrow{width:min(820px,92%)}
.center{text-align:center}
.gold{color:var(--gold)}
.skip-link{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.5em 1em;z-index:100}
.skip-link:focus{left:8px}
.i{width:1.1em;height:1.1em;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-family:var(--head);font-weight:700;text-decoration:none;border-radius:10px;padding:.8em 1.3em;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:transform .15s,box-shadow .15s,background .15s;line-height:1.2;text-align:center}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:linear-gradient(180deg,var(--gold-2),var(--gold));color:var(--navy);box-shadow:0 6px 18px rgba(224,168,46,.35)}
.btn-gold:hover{box-shadow:0 8px 24px rgba(224,168,46,.5)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff;background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.4);color:#fff;background:transparent}
.btn-outline-light:hover{border-color:var(--gold);color:var(--gold-2)}
.btn-ghost-navy{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-sm{padding:.55em 1em;font-size:.9rem}
.btn-lg{padding:1em 1.6em;font-size:1.05rem}
.btn-block{width:100%}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:4px solid var(--gold)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none}
.brand img{width:44px;height:44px;border-radius:50%}
.brand-name{font-family:var(--head);font-weight:800;color:#fff;letter-spacing:.08em;font-size:1.05rem;white-space:nowrap}
.site-nav{display:flex;align-items:center;gap:1.6rem}
.site-nav a:not(.btn){color:#dbe4f0;text-decoration:none;font-weight:500;font-size:.95rem}
.site-nav a:not(.btn):hover{color:var(--gold-2)}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;transition:.2s}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(224,168,46,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,#0e2c52 60%,var(--navy-2) 100%);color:#fff;padding:clamp(48px,7vw,90px) 0 clamp(80px,9vw,120px)}
.hero-inner{display:grid;grid-template-columns:1.25fr .85fr;gap:clamp(28px,5vw,64px);align-items:center}
.eyebrow{font-family:var(--head);text-transform:uppercase;letter-spacing:.18em;font-size:.78rem;font-weight:700;color:var(--gold);margin-bottom:.8em}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.4vw,3.9rem);font-weight:800;letter-spacing:-.01em;margin-bottom:.3em}
.hero .lead{font-size:clamp(1.15rem,2vw,1.4rem);color:#e8eef7;margin-bottom:.6em}
.hero-sub{color:#b9c6d8;max-width:560px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.6rem 0}
.hero-points{list-style:none;padding:0;margin:0;display:grid;gap:.45rem;color:#dbe4f0;font-size:.97rem}
.hero-points li{position:relative;padding-left:1.7em}
.hero-points li::before{content:"";position:absolute;left:0;top:.35em;width:1.05em;height:1.05em;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%230b2545' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round' d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/70% no-repeat}

.agent-card{background:linear-gradient(180deg,rgba(255,255,255,.07),rgba(255,255,255,.03));border:1px solid rgba(224,168,46,.45);border-radius:20px;padding:2rem 1.6rem;text-align:center;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.agent-photo{width:140px;height:140px;border-radius:50%;border:5px solid var(--gold);margin:0 auto 1rem;object-fit:cover;background:var(--navy-2)}
.agent-card h2{color:#fff;font-size:1.6rem;margin-bottom:.15em}
.agent-title{color:var(--gold);font-weight:600;font-size:.95rem;margin-bottom:1rem}
.call-label{display:flex;align-items:center;justify-content:center;gap:.45em;font-family:var(--head);color:var(--gold);text-transform:uppercase;letter-spacing:.1em;font-weight:700;font-size:.85rem;margin:0}
.agent-phone{display:block;font-family:var(--head);font-weight:800;font-size:clamp(1.8rem,3vw,2.2rem);color:#fff;text-decoration:none;margin:.1em 0 .8rem;white-space:nowrap}
.agent-phone:hover{color:var(--gold-2)}
.agent-actions{display:flex;gap:.5rem;justify-content:center;flex-wrap:wrap;margin-bottom:1rem}
.npn{font-size:.82rem;color:#b9c6d8;margin:0}

/* Callout */
.callout-wrap{margin-top:clamp(-70px,-6vw,-50px);position:relative;z-index:2}
.callout{display:grid;grid-template-columns:auto 1fr auto;gap:1.6rem;align-items:center;background:var(--cream);border:3px solid var(--gold);border-radius:18px;padding:1.6rem 1.8rem;box-shadow:var(--shadow)}
.free-badge{background:linear-gradient(180deg,var(--gold-2),var(--gold));border-radius:12px;padding:.8rem 1.3rem;text-align:center;color:var(--navy);font-family:var(--head);line-height:1}
.free-big{display:block;font-size:2.2rem;font-weight:800;letter-spacing:.06em}
.free-small{display:block;font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-top:.35em}
.callout-copy h2{font-size:clamp(1.2rem,2.2vw,1.55rem);margin-bottom:.3em}
.callout-copy p{margin:0;color:var(--ink);font-size:1.05rem}
.callout-btn{white-space:nowrap}

/* Sections */
.section{padding:clamp(56px,8vw,96px) 0}
.section-soft{background:var(--soft)}
.section-navy{background:var(--navy);color:#dbe4f0;border-top:4px solid var(--gold);border-bottom:4px solid var(--gold)}
.section-head{text-align:center;max-width:720px;margin:0 auto 2.6rem}
.section-head p:last-child{color:var(--muted)}
.section-head.light h2{color:#fff}
.rule-label{display:flex;align-items:center;gap:1rem;font-family:var(--head);text-transform:uppercase;letter-spacing:.22em;font-size:.8rem;font-weight:800;color:var(--navy);margin-bottom:1rem}
.rule-label::before,.rule-label::after{content:"";flex:1;height:2px;background:var(--gold)}
.rule-label.light{color:#fff}
.rule-label.left::before{display:none}
.rule-label.left{margin-top:1.4rem}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.card{background:#fff;border:2px solid var(--line);border-radius:var(--radius);padding:1.5rem;transition:border-color .2s,box-shadow .2s,transform .2s}
.card:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-2px)}
.card-top{display:flex;align-items:center;gap:.85rem;margin-bottom:.9rem}
.card-top h3{margin:0}
.card-top h3 small{display:block;font-family:var(--body);font-weight:500;font-size:.8rem;color:var(--muted);margin-top:.15em}
.card-icon{width:48px;height:48px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none}
.card-icon svg{width:24px;height:24px;fill:none;stroke:var(--gold);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card p{color:var(--muted);font-size:.96rem}
.good-for{background:var(--soft);border-left:3px solid var(--gold);padding:.6rem .8rem;border-radius:0 8px 8px 0;margin:0;color:var(--ink)!important;font-size:.9rem!important}
.good-for span{font-weight:700;color:var(--navy)}
.card-wide{grid-column:1/-1;display:grid;grid-template-columns:minmax(220px,.8fr) 2fr;gap:1.5rem;align-items:center;background:var(--soft)}
.card-wide .card-top{margin:0}
.card-wide .good-for{background:#fff}
.cards-cta{margin-top:2.2rem}

/* Steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;counter-reset:s}
.step{background:var(--navy-2);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:1.8rem 1.5rem;position:relative}
.step-num{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:var(--head);font-weight:800;font-size:1.2rem;margin-bottom:1rem}
.step h3{color:#fff}
.step p{margin:0;color:#c3cfdf}

/* About */
.about{display:grid;grid-template-columns:.8fr 1.4fr;gap:clamp(28px,5vw,64px);align-items:center}
.about-photo img{width:100%;height:auto;max-width:340px;aspect-ratio:1/1;border-radius:50%;border:8px solid var(--gold);box-shadow:0 0 0 10px var(--navy),var(--shadow);margin:0 auto;object-fit:cover}
.agent-title-dark{color:var(--gold-dark);font-weight:600;margin-top:-.3em}
.about-copy>p{color:var(--muted)}
.creds{display:grid;grid-template-columns:repeat(3,auto);gap:.4rem 1.6rem;justify-content:start;margin:1.2rem 0 0;font-size:.95rem}
.creds p{margin:0}
.creds span:first-child{font-weight:700;color:var(--navy)}
.pills{list-style:none;padding:0;margin:0 0 1.6rem;display:flex;flex-wrap:wrap;gap:.55rem}
.pills li{border:2px solid var(--navy);border-radius:999px;padding:.35em 1.1em;font-weight:600;font-size:.9rem;color:var(--navy);background:#fff}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.8rem;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:1.1rem 3rem 1.1rem 1.3rem;font-family:var(--head);font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--gold-dark);font-weight:600}
.faq details[open] summary::after{content:"–"}
.faq details[open]{border-color:var(--gold)}
.faq details p{padding:0 1.3rem 1.1rem;margin:0;color:var(--muted)}

/* Form */
.form-wrap{display:grid;grid-template-columns:.85fr 1.4fr;gap:clamp(28px,5vw,56px);align-items:start}
.form-intro{position:sticky;top:100px}
.form-intro>p{color:var(--muted)}
.check-list{list-style:none;padding:0;margin:0 0 1.6rem;display:grid;gap:.5rem}
.check-list li{padding-left:1.8em;position:relative;font-weight:500}
.check-list li::before{content:"✓";position:absolute;left:0;top:.18em;width:1.3em;height:1.3em;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:.8em;font-weight:800;line-height:1.3em;text-align:center}
.direct{background:var(--navy);border-radius:var(--radius);padding:1.3rem 1.4rem;color:#c3cfdf;border-bottom:4px solid var(--gold)}
.direct-label{font-family:var(--head);text-transform:uppercase;letter-spacing:.1em;font-size:.78rem;font-weight:700;color:var(--gold);margin:0}
.direct-phone{display:block;font-family:var(--head);font-weight:800;font-size:1.9rem;color:#fff;text-decoration:none;margin:.1em 0 .3em}
.direct .fine a{color:#dbe4f0}
.form-card{background:#fff;border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:18px;padding:clamp(1.3rem,3vw,2.2rem);box-shadow:var(--shadow)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:0 1.1rem}
.field{margin:0 0 1rem;min-width:0}
fieldset.field{border:0;padding:0}
label,legend{display:block;font-weight:600;font-size:.92rem;color:var(--navy);margin-bottom:.35rem;padding:0}
.req{color:#c0392b}
.opt{color:var(--muted);font-weight:400;font-size:.85em}
input[type=text],input[type=tel],input[type=email],input[type=date],select,textarea{width:100%;font:inherit;font-size:1rem;padding:.72rem .85rem;border:1.5px solid #c9d2df;border-radius:10px;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s;min-height:46px}
select{appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%230b2545' stroke-width='2.5' d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right .8rem center/16px no-repeat;padding-right:2.4rem}
textarea{resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(224,168,46,.25)}
.invalid input,.invalid select,.invalid textarea{border-color:#c0392b}
.field-hint{color:var(--muted);font-size:.8rem;margin:.3rem 0 0}
.err{color:#c0392b;font-size:.82rem;margin:.3rem 0 0;min-height:0}
.err:empty{display:none}
.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chip{position:relative;margin:0;font-weight:500;cursor:pointer}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-block;padding:.5em .95em;border:1.5px solid #c9d2df;border-radius:999px;font-size:.9rem;color:var(--ink);background:#fff;transition:.15s;user-select:none}
.chip:hover span{border-color:var(--navy)}
.chip input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chip input:focus-visible+span{box-shadow:0 0 0 3px rgba(224,168,46,.45)}
.chip-feature span{border-color:var(--gold);background:var(--cream);font-weight:600}
.chip-feature input:checked+span{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.consent{background:var(--soft);border-radius:10px;padding:.9rem 1rem}
.consent-label{display:flex;gap:.7rem;align-items:flex-start;font-weight:400;font-size:.8rem;line-height:1.5;color:var(--muted);margin:0}
.consent-label input{margin-top:.2rem;width:18px;height:18px;flex:none;accent-color:var(--navy)}
.form-status{margin:.6rem 0 0;font-size:.9rem;color:#c0392b;text-align:center}
.form-status:empty{display:none}
.fine{font-size:.82rem;color:var(--muted);margin:.6rem 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.thank-you{text-align:center;padding:2rem 1rem}
.thank-you:focus{outline:none}
.ty-icon{width:72px;height:72px;border-radius:50%;background:var(--gold);display:grid;place-items:center;margin:0 auto 1rem}
.ty-icon svg{width:38px;height:38px;fill:var(--navy)}
.thank-you h3{font-size:1.6rem}
.thank-you p{color:var(--muted)}
.preview-note{background:var(--cream);border:1px dashed var(--gold-dark);border-radius:10px;padding:.7rem 1rem;font-size:.85rem;color:var(--ink)!important}

/* Footer */
.site-footer{background:var(--navy);color:#b9c6d8;border-top:4px solid var(--gold);padding-top:3rem;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1.3fr .8fr;gap:2rem;padding-bottom:2rem}
.brand-footer{margin-bottom:1rem}
.brand-footer img{width:40px;height:40px}
.brand-footer .brand-name{font-size:.95rem}
.site-footer h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:.9rem}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.site-footer a{color:#dbe4f0;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding:1.4rem 0 1.8rem;font-size:.78rem;color:#8fa0b8}
.disclaimer p{margin:0 0 .6rem}

/* Responsive */
@media (max-width:1020px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .callout{grid-template-columns:auto 1fr}
  .callout-btn{grid-column:1/-1;justify-self:start}
  .creds{grid-template-columns:1fr}
}
@media (max-width:900px){
  .nav-toggle{display:block}
  .site-nav{position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:.5rem 4% 1.2rem;border-bottom:4px solid var(--gold);display:none;box-shadow:0 18px 30px rgba(0,0,0,.35)}
  .site-nav.open{display:flex}
  .site-nav a:not(.btn){padding:.8rem 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .site-nav .btn{margin-top:.8rem}
  .nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
  .nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .hero-inner,.about,.form-wrap{grid-template-columns:1fr}
  .agent-card{max-width:440px;width:100%;margin:0 auto}
  .steps{grid-template-columns:1fr}
  .form-intro{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
  .about-photo img{max-width:240px}
  .about-copy{text-align:left}
}
@media (max-width:600px){
  body{font-size:15.5px}
  .brand-name{font-size:.82rem;letter-spacing:.06em}
  .brand img{width:38px;height:38px}
  .cards{grid-template-columns:1fr}
  .card{padding:1.25rem}
  .field-hint{font-size:.8rem}
  .card-wide{grid-template-columns:1fr;gap:.9rem}
  .grid-2{grid-template-columns:1fr}
  .hero-ctas .btn{width:100%}
  .callout{grid-template-columns:1fr;text-align:center;padding:1.4rem 1.2rem}
  .free-badge{justify-self:center}
  .callout-btn{justify-self:stretch}
  .footer-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media (max-width:380px){
  .brand{gap:.5rem}
  .brand-name{font-size:.74rem;letter-spacing:.04em}
  .brand img{width:34px;height:34px}
}
@media (max-width:330px){
  .brand-name{white-space:normal;line-height:1.15;max-width:150px}
}
.form-status a{white-space:nowrap;color:inherit;font-weight:600}