/* ============================================
   St. George Health Insurance — Style System
   Colors: Teal #00897b, Dark Teal #00695c
   Fonts: Nunito (headings), Inter (body)
   ============================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: 'Inter', sans-serif;
    color: #444;
    line-height: 1.75;
    background: #fafafa;
    -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; border-radius: 12px; }
a { color: #00897b; text-decoration: none; transition: color .2s; }
a:hover { color: #00695c; }

h1, h2, h3, h4 { font-family: 'Nunito', sans-serif; color: #263238; line-height: 1.3; font-weight: 800; }
h1 { font-size: 2.8rem; margin-bottom: 1rem; }
h2 { font-size: 2rem; margin-bottom: .75rem; }
h3 { font-size: 1.3rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.section-sub { color: #78909c; font-size: 1.05rem; text-align: center; max-width: 600px; margin: 0 auto 48px; }

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 30px;
    border-radius: 8px;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    border: none;
    transition: all .2s;
    text-decoration: none;
    font-family: 'Nunito', sans-serif;
    line-height: 1.4;
}
.btn-primary { background: #00897b; color: #fff; }
.btn-primary:hover { background: #00695c; color: #fff; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,137,123,.25); }
.btn-outline { border: 2px solid #00897b; color: #00897b; background: transparent; }
.btn-outline:hover { background: #00897b; color: #fff; }
.btn-white { background: #fff; color: #00897b; }
.btn-white:hover { background: #e0f2f1; color: #00695c; }
.btn-outline-white { border: 2px solid #fff; color: #fff; background: transparent; }
.btn-outline-white:hover { background: #fff; color: #00897b; }
.btn-full { width: 100%; justify-content: center; }
.btn-lg { padding: 18px 36px; font-size: 1.1rem; }
.btn-link { background: none; border: none; color: #78909c; font-size: .9rem; text-decoration: underline; cursor: pointer; padding: 8px 0; font-family: 'Inter', sans-serif; font-weight: 500; }
.btn-link:hover { color: #00897b; }
.btn-phone { background: #263238; color: #fff; padding: 14px 18px; }
.btn-phone:hover { background: #37474f; color: #fff; }

/* ===== Header ===== */
.header {
    background: #fff;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 1px 8px rgba(0,0,0,.05);
    border-bottom: 2px solid #e0f2f1;
}
.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 12px;
    padding-bottom: 12px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: #263238;
}
.logo i {
    font-size: 1.4rem;
    color: #00897b;
}
.logo span {
    font-family: 'Nunito', sans-serif;
    font-size: 1.2rem;
    font-weight: 800;
    color: #263238;
}
.nav {
    display: flex;
    align-items: center;
    gap: 24px;
}
.nav-link {
    color: #455a64;
    font-weight: 500;
    font-size: .92rem;
    padding: 6px 0;
    transition: color .2s;
}
.nav-link:hover, .nav-link.active { color: #00897b; }
.nav-phone { font-weight: 700; color: #263238 !important; }
.nav-phone:hover { color: #00897b !important; }
.nav-cta {
    background: #00897b !important;
    color: #fff !important;
    padding: 10px 22px !important;
    border-radius: 8px;
    font-weight: 700 !important;
    font-size: .9rem !important;
}
.nav-cta:hover { background: #00695c !important; }

.hamburger {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 250;
}
.hamburger span {
    display: block;
    width: 24px;
    height: 2.5px;
    background: #263238;
    margin: 5px 0;
    border-radius: 2px;
    transition: .3s;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,.3);
    z-index: 150;
}
.nav-overlay.active { display: block; }

/* ===== Breadcrumbs ===== */
.breadcrumbs {
    background: #f5f5f5;
    padding: 12px 0;
    font-size: .85rem;
    color: #78909c;
    border-bottom: 1px solid #e0e0e0;
}
.breadcrumbs a { color: #00897b; }
.breadcrumbs i { font-size: .6rem; margin: 0 8px; color: #b0bec5; }

/* ===== Hero ===== */
.hero {
    background: linear-gradient(170deg, #e0f2f1 0%, #b2dfdb 40%, #80cbc4 100%);
    padding: 80px 0 90px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    right: -80px;
    top: -60px;
    width: 400px;
    height: 400px;
    background: rgba(0,137,123,.08);
    border-radius: 50%;
}
.hero::after {
    content: '';
    position: absolute;
    left: -120px;
    bottom: -100px;
    width: 300px;
    height: 300px;
    background: rgba(0,137,123,.06);
    border-radius: 50%;
}
.hero-inner { position: relative; z-index: 1; }
.hero-content { max-width: 640px; }
.hero h1 { color: #1b5e20; font-size: 2.8rem; }
.hero-sub { color: #37474f; font-size: 1.15rem; margin-bottom: 2rem; }

.hero-zip-form { margin-bottom: 1rem; }
.zip-input-wrap {
    display: flex;
    gap: 0;
    max-width: 460px;
    background: #fff;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,.1);
}
.zip-input-wrap input {
    flex: 1;
    border: none;
    padding: 16px 20px;
    font-size: 1.05rem;
    font-family: 'Inter', sans-serif;
    outline: none;
    min-width: 0;
}
.zip-input-wrap .btn {
    border-radius: 0;
    white-space: nowrap;
    padding: 16px 24px;
}

.hero-phone {
    color: #455a64;
    font-size: .95rem;
    margin-bottom: 1.5rem;
}
.hero-phone a {
    color: #1b5e20;
    font-weight: 700;
}

.trust-badges {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
}
.trust-badges span {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #37474f;
    font-size: .85rem;
    font-weight: 600;
}
.trust-badges i { color: #00897b; }

/* ===== Stats Bar ===== */
.stats-bar {
    background: #263238;
    padding: 32px 0;
}
.stats-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
}
.stat-number {
    display: block;
    font-family: 'Nunito', sans-serif;
    font-size: 2rem;
    font-weight: 800;
    color: #80cbc4;
}
.stat-label {
    display: block;
    color: rgba(255,255,255,.7);
    font-size: .85rem;
    font-weight: 500;
}

/* ===== How It Works ===== */
.how-it-works {
    padding: 80px 0;
    background: #fff;
    text-align: center;
}
.steps {
    display: flex;
    justify-content: center;
    gap: 40px;
    max-width: 900px;
    margin: 0 auto;
}
.step {
    flex: 1;
    position: relative;
    text-align: center;
}
.step-number {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, #00897b, #00695c);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Nunito', sans-serif;
    font-size: 1.4rem;
    font-weight: 800;
    margin: 0 auto 16px;
    position: relative;
    z-index: 2;
}
.step-connector {
    position: absolute;
    top: 28px;
    left: 50%;
    width: calc(100% + 40px);
    height: 2px;
    background: #e0e0e0;
    z-index: 1;
}
.step h3 { color: #263238; }
.step p { color: #78909c; font-size: .92rem; margin: 0; }

/* ===== Card Grid (Coverage Types) ===== */
.coverage-types {
    padding: 80px 0;
    background: #fafafa;
}
.card-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.card {
    background: #fff;
    border-radius: 12px;
    padding: 36px 28px;
    text-align: center;
    border: 1px solid #e0e0e0;
    transition: box-shadow .3s, transform .2s;
}
.card:hover {
    box-shadow: 0 8px 30px rgba(0,0,0,.06);
    transform: translateY(-3px);
}
.card-icon {
    width: 56px;
    height: 56px;
    background: #e0f2f1;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}
.card-icon i { font-size: 1.5rem; color: #00897b; }
.card h3 { color: #263238; }
.card p { color: #78909c; font-size: .9rem; margin: 0; }

/* ===== Split Content ===== */
.split-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.split-content.reverse { direction: rtl; }
.split-content.reverse > * { direction: ltr; }

.why-choose {
    padding: 80px 0;
    background: #fff;
}
.check-list {
    list-style: none;
    margin: 1.5rem 0;
}
.check-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: .95rem;
    color: #444;
}
.check-list li i { color: #00897b; margin-top: 4px; flex-shrink: 0; }

/* ===== Local Content ===== */
.local-content {
    padding: 80px 0;
    background: #f5f5f5;
}
.content-columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}
.content-col h3 { color: #1b5e20; margin-bottom: 1rem; }
.content-col p { color: #555; font-size: .95rem; }

/* ===== Carrier Logos ===== */
.carriers {
    padding: 60px 0;
    background: #fff;
    text-align: center;
}
.carrier-logos {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 24px;
    margin-top: 8px;
}
.carrier-logo {
    background: #f5f5f5;
    padding: 16px 28px;
    border-radius: 8px;
    font-weight: 700;
    color: #78909c;
    font-size: .9rem;
    border: 1px solid #e0e0e0;
}

/* ===== FAQ ===== */
.faq {
    padding: 80px 0;
    background: #fafafa;
}
.faq-list {
    max-width: 780px;
    margin: 0 auto;
}
.faq-item {
    background: #fff;
    border: 1px solid #e0e0e0;
    border-radius: 10px;
    margin-bottom: 12px;
    overflow: hidden;
    transition: box-shadow .2s;
}
.faq-item:hover { box-shadow: 0 2px 12px rgba(0,0,0,.04); }
.faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 20px 24px;
    font-family: 'Nunito', sans-serif;
    font-size: 1.05rem;
    font-weight: 700;
    color: #263238;
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
}
.faq-question i {
    color: #00897b;
    font-size: .8rem;
    transition: transform .3s;
    flex-shrink: 0;
}
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .3s ease;
}
.faq-answer p {
    padding: 0 24px 20px;
    color: #555;
    font-size: .95rem;
    margin: 0;
}

/* ===== CTA Banner ===== */
.cta-banner {
    background: linear-gradient(135deg, #00897b 0%, #00695c 100%);
    padding: 64px 0;
    text-align: center;
    color: #fff;
}
.cta-banner h2 { color: #fff; font-size: 2rem; margin-bottom: 12px; }
.cta-banner p { font-size: 1.05rem; max-width: 520px; margin: 0 auto 28px; opacity: .9; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== Contact ===== */
.contact {
    padding: 80px 0;
    background: #fff;
}
.contact-details { margin-top: 2rem; }
.contact-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 20px;
}
.contact-item > i {
    width: 40px;
    height: 40px;
    background: #e0f2f1;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #00897b;
    flex-shrink: 0;
}
.contact-item strong { display: block; color: #263238; font-size: .85rem; }
.contact-item a, .contact-item span { color: #555; font-size: .92rem; }

.split-form { background: #263238; border-radius: 16px; padding: 36px 32px; }
.contact-form h3 { color: #fff; margin-bottom: 20px; }
.contact-form .form-group label { color: rgba(255,255,255,.8); }
.contact-form .optional { color: rgba(255,255,255,.4); font-weight: 400; }
.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid rgba(255,255,255,.15);
    border-radius: 8px;
    font-size: 1rem;
    font-family: 'Inter', sans-serif;
    background: rgba(255,255,255,.08);
    color: #fff;
    transition: border-color .2s, box-shadow .2s;
}
.contact-form input:focus,
.contact-form textarea:focus {
    outline: none;
    border-color: #00897b;
    box-shadow: 0 0 0 3px rgba(0,137,123,.2);
}
.contact-form textarea { resize: vertical; min-height: 80px; }
.contact-form input::placeholder,
.contact-form textarea::placeholder { color: rgba(255,255,255,.3); }

/* ===== Forms (General) ===== */
.form-group { margin-bottom: 16px; }
.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 6px;
    color: #263238;
    font-size: .9rem;
}
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid #cfd8dc;
    border-radius: 8px;
    font-size: 1rem;
    font-family: 'Inter', sans-serif;
    transition: border-color .2s, box-shadow .2s;
    background: #fff;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #00897b;
    box-shadow: 0 0 0 3px rgba(0,137,123,.1);
}
.form-group textarea { resize: vertical; min-height: 80px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.required { color: #e53935; }
.optional { color: #b0bec5; font-weight: 400; font-size: .8rem; }
.field-error { color: #e53935; font-size: .8rem; margin-top: 4px; display: none; }
.form-group.has-error input,
.form-group.has-error select { border-color: #e53935; }
.form-group.has-error .field-error { display: block; }

.consent-group { margin-top: 8px; }
.checkbox-label {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    font-size: .82rem;
    color: #78909c;
    cursor: pointer;
    line-height: 1.5;
}
.checkbox-label input[type="checkbox"] { margin-top: 3px; accent-color: #00897b; flex-shrink: 0; }
.checkbox-label a { color: #00897b; }

.form-actions { margin-top: 24px; text-align: center; }
.form-status {
    margin-top: 16px;
    text-align: center;
}
.form-status.success {
    padding: 16px 20px;
    border-radius: 10px;
    background: #e8f5e9;
    color: #2e7d32;
    border: 1px solid #c8e6c9;
    font-weight: 600;
}
.form-status.error {
    padding: 16px 20px;
    border-radius: 10px;
    background: #ffebee;
    color: #c62828;
    border: 1px solid #ffcdd2;
    font-weight: 600;
}

/* ===== Quote Page ===== */
.quote-section {
    padding: 60px 0 80px;
    background: #f5f5f5;
}
.quote-layout {
    display: grid;
    grid-template-columns: 1fr 380px;
    gap: 40px;
    align-items: start;
}
.quote-form-wrap {
    background: #fff;
    border-radius: 16px;
    padding: 40px 36px;
    box-shadow: 0 4px 24px rgba(0,0,0,.05);
    border: 1px solid #e0e0e0;
}
.form-header { margin-bottom: 32px; }
.form-header h1 { font-size: 1.8rem; }
.form-header p { color: #78909c; font-size: .95rem; }

.form-progress {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-top: 24px;
}
.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
}
.progress-num {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: #e0e0e0;
    color: #78909c;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Nunito', sans-serif;
    font-weight: 800;
    font-size: .95rem;
    transition: all .3s;
}
.progress-step.active .progress-num {
    background: #00897b;
    color: #fff;
}
.progress-step.completed .progress-num {
    background: #2e7d32;
    color: #fff;
}
.progress-label {
    font-size: .75rem;
    color: #b0bec5;
    font-weight: 600;
}
.progress-step.active .progress-label { color: #00897b; }
.progress-connector {
    width: 80px;
    height: 2px;
    background: #e0e0e0;
    margin: 0 16px;
    margin-bottom: 18px;
}

.form-step { display: none; }
.form-step.active { display: block; }
.skip-link { display: block; margin-top: 8px; }

.quote-sidebar { display: flex; flex-direction: column; gap: 20px; }
.sidebar-card {
    background: #fff;
    border-radius: 12px;
    padding: 28px 24px;
    border: 1px solid #e0e0e0;
}
.sidebar-card h3 {
    font-size: 1.05rem;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.sidebar-card h3 i { color: #00897b; }
.trust-card ul {
    list-style: none;
}
.trust-card li {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
    font-size: .9rem;
    color: #555;
}
.trust-card li i { color: #00897b; font-size: .8rem; }

.next-steps { }
.next-step {
    display: flex;
    gap: 14px;
    margin-bottom: 16px;
}
.next-num {
    width: 28px;
    height: 28px;
    background: #e0f2f1;
    color: #00897b;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Nunito', sans-serif;
    font-weight: 800;
    font-size: .8rem;
    flex-shrink: 0;
    margin-top: 2px;
}
.next-step p { font-size: .85rem; color: #555; margin: 0; }
.next-step p strong { color: #263238; }

.phone-card { text-align: center; }
.phone-card p { color: #78909c; font-size: .9rem; margin-bottom: 12px; }

/* ===== Thank You Page ===== */
.thank-you-section {
    padding: 80px 0 100px;
    background: #f5f5f5;
    text-align: center;
}
.thank-you-card {
    max-width: 700px;
    margin: 0 auto;
    background: #fff;
    border-radius: 16px;
    padding: 60px 48px;
    box-shadow: 0 4px 24px rgba(0,0,0,.05);
    border: 1px solid #e0e0e0;
}
.thank-you-icon i {
    font-size: 4rem;
    color: #2e7d32;
    margin-bottom: 16px;
}
.thank-you-card h1 { color: #2e7d32; font-size: 2.4rem; }
.thank-you-msg {
    color: #555;
    font-size: 1.05rem;
    max-width: 500px;
    margin: 0 auto 2.5rem;
}

.what-next { margin-bottom: 2.5rem; }
.what-next h2 { font-size: 1.4rem; margin-bottom: 1.5rem; }
.next-steps-horizontal {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.next-step-h { text-align: center; }
.next-icon {
    width: 48px;
    height: 48px;
    background: #e0f2f1;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 12px;
}
.next-icon i { color: #00897b; font-size: 1.1rem; }
.next-step-h h3 { font-size: 1rem; margin-bottom: 6px; }
.next-step-h p { font-size: .85rem; color: #78909c; margin: 0; }

.thank-you-cta { margin-bottom: 2rem; }
.thank-you-cta p { color: #78909c; margin-bottom: 12px; }
.thank-you-links { border-top: 1px solid #e0e0e0; padding-top: 1.5rem; }
.thank-you-links p { color: #78909c; font-size: .9rem; margin-bottom: 8px; }
.thank-you-links a { margin: 0 12px; font-weight: 600; }

/* ===== Page Hero (Inner Pages) ===== */
.page-hero {
    background: linear-gradient(170deg, #e0f2f1 0%, #b2dfdb 100%);
    padding: 50px 0 60px;
    text-align: center;
}
.page-hero h1 { color: #1b5e20; font-size: 2.2rem; margin-bottom: .75rem; }
.page-hero p { color: #37474f; font-size: 1.05rem; max-width: 660px; margin: 0 auto; }

/* ===== Coverage Detail ===== */
.coverage-detail { padding: 70px 0; }
.coverage-detail.alt-bg { background: #f5f5f5; }

/* ===== Coverage Table ===== */
.coverage-table-section {
    padding: 70px 0;
    background: #fff;
    text-align: center;
}
.table-wrap { overflow-x: auto; margin-top: 8px; }
.coverage-table {
    width: 100%;
    max-width: 700px;
    margin: 0 auto;
    border-collapse: collapse;
    text-align: left;
}
.coverage-table th {
    background: #00897b;
    color: #fff;
    padding: 14px 20px;
    font-family: 'Nunito', sans-serif;
    font-weight: 700;
    font-size: .9rem;
}
.coverage-table td {
    padding: 14px 20px;
    border-bottom: 1px solid #e0e0e0;
    font-size: .9rem;
    color: #444;
}
.coverage-table tr:last-child td { border-bottom: none; }
.coverage-table tr:hover td { background: #f5f5f5; }

/* ===== Legal Pages ===== */
.legal-section {
    padding: 60px 0 80px;
    background: #fff;
}
.legal-content {
    max-width: 780px;
    margin: 0 auto;
}
.legal-content h1 { font-size: 2rem; margin-bottom: .5rem; }
.legal-updated {
    color: #78909c;
    font-size: .9rem;
    margin-bottom: 2rem;
}
.legal-content h2 {
    font-size: 1.25rem;
    margin-top: 2rem;
    margin-bottom: .5rem;
}
.legal-content p, .legal-content li {
    color: #555;
    font-size: .95rem;
}
.legal-content ul {
    margin: 12px 0 12px 24px;
}
.legal-content li { margin-bottom: 6px; }

/* ===== 404 Page ===== */
.error-section {
    padding: 100px 0 120px;
    text-align: center;
    background: #f5f5f5;
}
.error-code {
    font-family: 'Nunito', sans-serif;
    font-size: 8rem;
    font-weight: 800;
    color: #e0e0e0;
    line-height: 1;
    margin-bottom: 8px;
}
.error-content h1 { font-size: 2rem; margin-bottom: 1rem; }
.error-content p { color: #78909c; font-size: 1.05rem; max-width: 480px; margin: 0 auto 2rem; }
.error-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}
.error-help { color: #78909c; font-size: .9rem; }
.error-help a { font-weight: 700; }

/* ===== Footer ===== */
.footer {
    background: #263238;
    color: rgba(255,255,255,.6);
    padding: 50px 0 0;
}
.footer-inner {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 36px;
    margin-bottom: 36px;
}
.footer-col h4 {
    color: #80cbc4;
    font-size: .9rem;
    margin-bottom: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-family: 'Nunito', sans-serif;
}
.footer-col p { font-size: .85rem; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: rgba(255,255,255,.6); font-size: .85rem; }
.footer-col a:hover { color: #80cbc4; }
.footer-col li i { margin-right: 8px; color: #80cbc4; width: 14px; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 20px 0;
    text-align: center;
    font-size: .8rem;
}

/* ===== Sticky Mobile CTA ===== */
.mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: #fff;
    padding: 12px 16px;
    box-shadow: 0 -4px 20px rgba(0,0,0,.1);
    z-index: 90;
    gap: 10px;
    align-items: center;
    border-top: 2px solid #e0f2f1;
}
.mobile-cta .btn-primary { flex: 1; justify-content: center; padding: 14px; }
.mobile-cta .btn-phone { padding: 14px 18px; }

/* ===== Zip Shake Animation ===== */
@keyframes shake {
    0%, 100% { transform: translateX(0); }
    25% { transform: translateX(-6px); }
    50% { transform: translateX(6px); }
    75% { transform: translateX(-4px); }
}
.shake { animation: shake .4s ease; }

/* ===== Responsive ===== */
@media (max-width: 968px) {
    .card-grid { grid-template-columns: repeat(2, 1fr); }
    .split-content { grid-template-columns: 1fr; gap: 30px; }
    .split-content.reverse { direction: ltr; }
    .content-columns { grid-template-columns: 1fr; gap: 24px; }
    .stats-inner { grid-template-columns: repeat(2, 1fr); }
    .steps { flex-direction: column; gap: 24px; max-width: 400px; }
    .step-connector { display: none; }
    .footer-inner { grid-template-columns: 1fr; }
    .quote-layout { grid-template-columns: 1fr; }
    .next-steps-horizontal { grid-template-columns: 1fr; gap: 16px; }
    h1 { font-size: 2.2rem; }
    .hero { padding: 60px 0 70px; }
}

@media (max-width: 768px) {
    .hamburger { display: block; }
    .nav {
        position: fixed;
        top: 0;
        right: -300px;
        width: 280px;
        height: 100vh;
        background: #fff;
        box-shadow: -4px 0 20px rgba(0,0,0,.08);
        transition: right .3s;
        z-index: 200;
        padding: 70px 28px 28px;
        flex-direction: column;
        align-items: flex-start;
        gap: 0;
    }
    .nav.open { right: 0; }
    .nav-link {
        display: block;
        padding: 14px 0;
        width: 100%;
        border-bottom: 1px solid #eceff1;
    }
    .nav-cta {
        margin-top: 12px;
        text-align: center;
        width: 100%;
        display: block !important;
    }

    .card-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .quote-form-wrap { padding: 28px 20px; }
    .thank-you-card { padding: 40px 24px; }
    .section-sub { margin-bottom: 32px; }

    .mobile-cta { display: flex; }
    .footer { padding-bottom: 80px; }

    .hero h1 { font-size: 2rem; }
    .zip-input-wrap { flex-direction: column; }
    .zip-input-wrap .btn { border-radius: 0 0 10px 10px; }
    .trust-badges { gap: 12px; }
}