/* ==========================================================================
   Golden Shield Life — Stylesheet
   Palette: Gold #e8c358 / Ink #0f0f0f / Paper #faf8f3
   Type: Fraunces (display) + Inter (body)
   ========================================================================== */

:root {
  --gold: #e8c358;
  --gold-deep: #b8912f;
  --gold-pale: #f6e9c6;
  --ink: #0f0f0f;
  --charcoal: #212121;
  --paper: #faf8f3;
  --white: #ffffff;
  --stone: #6e6a61;
  --stone-light: #a8a399;
  --hairline: rgba(15, 15, 15, 0.09);

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;

  --radius: 2px;
  --container-max: 1200px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--ink);
  background-color: var(--paper);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

::selection {
  background: var(--gold);
  color: var(--ink);
}

/* Focus visibility */
a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible,
select:focus-visible {
  outline: 2px solid var(--gold-deep);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 0;
}

p {
  color: var(--stone);
}

a {
  text-decoration: none;
  color: inherit;
}

.container-custom {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
}

.eyebrow::before {
  content: "";
  width: 22px;
  height: 1px;
  background: var(--gold-deep);
  display: inline-block;
}

.section {
  padding: 6rem 0;
}

.section-sm {
  padding: 4rem 0;
}

@media (max-width: 767.98px) {
  .section {
    padding: 4rem 0;
  }

  .section-sm {
    padding: 2.75rem 0;
  }
}

.bg-ink {
  background-color: var(--ink);
}

.bg-charcoal {
  background-color: var(--charcoal);
}

.bg-paper {
  background-color: var(--paper);
}

.bg-gold {
  background-color: var(--gold);
}

.bg-gold-pale {
  background-color: var(--gold-pale);
}

.text-gold {
  color: var(--gold);
}

.text-gold-deep {
  color: var(--gold-deep);
}

.text-stone {
  color: var(--stone);
}

/* ---------------- Buttons ---------------- */
.btn {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  border-radius: var(--radius);
  padding: 0.85rem 1.9rem;
  border: 1px solid transparent;
  transition: all 0.25s ease;
}

.btn-gold {
  background-color: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}

.btn-gold:hover {
  background-color: var(--gold-deep);
  border-color: var(--gold-deep);
  color: var(--ink);
  transform: translateY(-1px);
}

.btn-outline-light-custom {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-light-custom:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: var(--white);
  color: var(--white);
}

.btn-outline-ink {
  background: transparent;
  color: var(--ink);
  border-color: var(--ink);
}

.btn-outline-ink:hover {
  background: var(--ink);
  color: var(--white);
}

.btn-block-w {
  display: inline-block;
  width: 100%;
  text-align: center;
}

/* ---------------- Navbar ---------------- */
.navbar-custom {
  background-color: rgba(15, 15, 15, 0.0);
  padding: 1.4rem 0;
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: background-color 0.3s ease, padding 0.3s ease, position 0.3s ease;
}

.navbar-custom.is-solid {
  position: fixed;
  background-color: rgba(15, 15, 15, 0.97);
  padding: 0.9rem 0;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.navbar-custom .nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  letter-spacing: 0.01em;
}

.brand .brand-mark {
  width: 34px;
  height: 34px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
}

.brand small {
  display: block;
  font-family: var(--font-body);
  font-size: 0.6rem;
  letter-spacing: 0.16em;
  color: var(--gold);
  font-weight: 600;
  margin-top: 1px;
}

.nav-links {
  display: flex;
  gap: 2.4rem;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  position: relative;
  padding-bottom: 4px;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  height: 1px;
  width: 0;
  background: var(--gold);
  transition: width 0.25s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a.active {
  color: var(--white);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 1.4rem;
}

.nav-phone {
  color: var(--white);
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.nav-phone i {
  color: var(--gold);
}

.navbar-toggler-custom {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
}

@media (max-width: 991.98px) {
  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    height: 100vh;
    width: 78%;
    max-width: 340px;
    background: var(--ink);
    flex-direction: column;
    justify-content: center;
    gap: 2rem;
    transition: right 0.35s ease;
    z-index: 1050;
  }

  .nav-links.open {
    right: 0;
  }

  .nav-phone {
    display: none;
  }

  .navbar-toggler-custom {
    display: block;
  }

  .nav-backdrop {
    position: fixed;
    inset: 0;
    /* background: rgba(0, 0, 0, 0.5); */
    z-index: 1;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease;
  }

  .nav-backdrop.open {
    opacity: 1;
    visibility: visible;
  }
}

/* ---------------- Hero ---------------- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--ink);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(115deg, rgba(10, 10, 10, 0.92) 20%, rgba(10, 10, 10, 0.55) 60%, rgba(10, 10, 10, 0.75) 100%), url('../images/banner.jpg');
  background-size: cover;
  background-position: center 30%;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 6rem;
  padding-bottom: 3rem;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 4rem);
  line-height: 1.08;
  margin: 1.1rem 0 1.4rem;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold);
}

.hero p.lead-text {
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.1rem;
  max-width: 540px;
  margin-bottom: 2.2rem;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.6rem 2.2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.8rem;
}

.hero-badge {
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.55rem;
}

.hero-badge i {
  color: var(--gold);
  font-size: 1rem;
}

/* ---------------- Stat bar ---------------- */
.stat-bar {
  background: var(--ink);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.stat-item {
  text-align: center;
  padding: 2.6rem 1rem;
  border-right: 1px solid rgba(255, 255, 255, 0.09);
}

.stat-item:last-child {
  border-right: none;
}

.stat-number {
  font-family: var(--font-display);
  font-size: 2.4rem;
  color: var(--gold);
  display: block;
  line-height: 1;
}

.stat-label {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.78rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-top: 0.5rem;
  display: block;
}

@media (max-width: 767.98px) {
  .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.09);
  }

  .stat-item:last-child {
    border-bottom: none;
  }
}

/* ---------------- Section headers ---------------- */
.section-head {
  max-width: 640px;
  margin-bottom: 3rem;
}

.section-head h2 {
  font-size: clamp(1.9rem, 3.2vw, 2.6rem);
  margin-top: 0.8rem;
  line-height: 1.15;
}

.section-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

/* ---------------- Advisor / About ---------------- */
.advisor-photo-wrap {
  position: relative;
  padding: 0 0 0 2rem;
}

.advisor-photo-wrap img {
  width: 100%;
  border-radius: var(--radius);
  filter: grayscale(6%);
  position: relative;
  z-index: 2;
}

.advisor-photo-wrap::before {
  content: "";
  position: absolute;
  top: 1.6rem;
  left: 0;
  width: 70%;
  height: 100%;
  background: var(--gold);
  z-index: 1;
}

.advisor-card-badge {
  position: absolute;
  bottom: -1.5rem;
  left: -1rem;
  background: var(--ink);
  color: var(--white);
  padding: 1.1rem 1.5rem;
  z-index: 3;
  min-width: 210px;
}

.advisor-card-badge .name {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.05rem;
}

.advisor-card-badge .role {
  color: var(--gold);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.credential-list {
  list-style: none;
  padding: 0;
  margin: 1.8rem 0;
}

.credential-list li {
  display: flex;
  gap: 0.8rem;
  align-items: flex-start;
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--hairline);
  color: var(--ink);
  font-size: 0.95rem;
}

.credential-list li:last-child {
  border-bottom: none;
}

.credential-list i {
  color: var(--gold-deep);
  margin-top: 3px;
}

/* ---------------- Timeline (signature element) ---------------- */
.timeline {
  position: relative;
  margin-top: 3rem;
}

.timeline-rail {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 1px;
  background: linear-gradient(to bottom, transparent, var(--gold) 8%, var(--gold) 92%, transparent);
  transform: translateX(-50%);
}

.timeline-row {
  display: flex;
  position: relative;
  margin-bottom: 3.2rem;
}

.timeline-row:last-child {
  margin-bottom: 0;
}

.timeline-col {
  width: 50%;
  padding: 0 3.5rem;
}

.timeline-row:nth-child(even) .timeline-col.copy {
  order: 2;
  text-align: left;
}

.timeline-row:nth-child(even) .timeline-col.spacer {
  order: 1;
}

.timeline-row:nth-child(odd) .timeline-col.copy {
  text-align: right;
}

.timeline-node {
  position: absolute;
  left: 50%;
  top: 0;
  transform: translate(-50%, 0);
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--paper);
  border: 2px solid var(--gold);
  z-index: 2;
}

.timeline-node::after {
  content: "";
  position: absolute;
  inset: 3px;
  background: var(--gold);
  border-radius: 50%;
}

.timeline-copy-inner .stage {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 600;
}

.timeline-copy-inner h4 {
  font-size: 1.3rem;
  margin: 0.4rem 0 0.5rem;
}

.timeline-copy-inner p {
  margin: 0;
  font-size: 0.93rem;
}

@media (max-width: 767.98px) {
  .timeline-rail {
    left: 18px;
  }

  .timeline-row {
    flex-direction: column !important;
    margin-bottom: 2.2rem;
  }

  .timeline-col {
    width: 100%;
    padding-left: 3rem;
    padding-right: 0.5rem;
  }

  .timeline-row:nth-child(even) .timeline-col.copy {
    order: 0;
    text-align: left !important;
  }

  .timeline-col.spacer {
    display: none;
  }

  .timeline-node {
    left: 18px;
  }
}

/* ---------------- Value / Benefit cards ---------------- */
.value-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  padding: 2.2rem 1.9rem;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(15, 15, 15, 0.08);
  border-color: var(--gold);
}

.value-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--gold-pale);
  color: var(--gold-deep);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 1.4rem;
}

.value-card h4 {
  font-size: 1.15rem;
  margin-bottom: 0.6rem;
}

.value-card p {
  font-size: 0.92rem;
  margin-bottom: 0;
}

/* ---------------- Policy / service cards ---------------- */
.policy-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.policy-card-top {
  padding: 2.2rem 2rem 1.6rem;
  border-bottom: 1px solid var(--hairline);
}

.policy-card-body {
  padding: 1.6rem 2rem 2.2rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.policy-tag {
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 700;
}

.policy-card h3 {
  font-size: 1.4rem;
  margin: 0.5rem 0 0.6rem;
}

.policy-feature-list {
  list-style: none;
  padding: 0;
  margin: 1.2rem 0;
  flex: 1;
}

.policy-feature-list li {
  font-size: 0.9rem;
  color: var(--ink);
  padding: 0.4rem 0;
  display: flex;
  gap: 0.6rem;
}

.policy-feature-list i {
  color: var(--gold-deep);
  margin-top: 3px;
}

.policy-card .btn {
  align-self: flex-start;
}

/* ---------------- Comparison table ---------------- */
.table-compare {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}

.table-compare th,
.table-compare td {
  padding: 1rem 1.3rem;
  border: 1px solid var(--hairline);
  font-size: 0.92rem;
  vertical-align: middle;
}

.table-compare thead th {
  background: var(--ink);
  color: var(--white);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
}

.table-compare tbody th {
  text-align: left;
  color: var(--ink);
  font-weight: 600;
  background: var(--gold-pale);
}

.table-compare td {
  text-align: center;
  color: var(--stone);
}

.table-compare i.fa-check {
  color: var(--gold-deep);
}

.table-compare i.fa-xmark {
  color: var(--stone-light);
}

.table-responsive-wrap {
  overflow-x: auto;
}

/* ---------------- Process steps ---------------- */
.process-step {
  display: flex;
  gap: 1.5rem;
  padding: 1.8rem 0;
  border-bottom: 1px solid var(--hairline);
}

.process-step:last-child {
  border-bottom: none;
}

.process-num {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--gold);
  min-width: 2.5rem;
}

.process-step h4 {
  font-size: 1.1rem;
  margin-bottom: 0.4rem;
}

.process-step p {
  font-size: 0.92rem;
  margin: 0;
}

/* ---------------- Testimonials ---------------- */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  padding: 2.4rem;
  height: 100%;
}

.testimonial-card .stars {
  color: var(--gold-deep);
  font-size: 0.85rem;
  margin-bottom: 1rem;
}

.testimonial-card p.quote {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--ink);
  line-height: 1.5;
  margin-bottom: 1.6rem;
}

.testimonial-person {
  display: flex;
  align-items: center;
  gap: 0.8rem;
}

.testimonial-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--gold-pale);
  color: var(--gold-deep);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 600;
}

.testimonial-person .who {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--ink);
}

.testimonial-person .loc {
  font-size: 0.78rem;
  color: var(--stone);
}

/* ---------------- FAQ ---------------- */
.accordion-custom .accordion-item {
  border: none;
  border-bottom: 1px solid var(--hairline);
  background: transparent;
}

.accordion-custom .accordion-button {
  background: transparent;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--ink);
  padding: 1.4rem 0;
  box-shadow: none;
}

.accordion-custom .accordion-button:not(.collapsed) {
  color: var(--gold-deep);
}

.accordion-custom .accordion-button::after {
  filter: grayscale(1) brightness(0.4);
}

.accordion-custom .accordion-body {
  padding: 0 0 1.6rem;
  color: var(--stone);
  font-size: 0.95rem;
}

/* ---------------- CTA banner ---------------- */
.cta-banner {
  background: var(--ink);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: "";
  position: absolute;
  top: -40%;
  right: -10%;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle, rgba(232, 195, 88, 0.18), transparent 70%);
}

.cta-banner h2 {
  color: var(--white);
}

/* ---------------- Booking / Calendly demo ---------------- */
.booking-shell {
  background: var(--white);
  border: 1px solid var(--hairline);
  overflow: hidden;
}

.booking-side {
  background: var(--ink);
  color: var(--white);
  padding: 2.6rem 2.2rem;
  /* height: 100%; */
}

.booking-side img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  object-fit: cover;
  margin-bottom: 1.2rem;
  border: 2px solid var(--gold);
}

.booking-side .name {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--white);
}

.booking-side .role {
  font-size: 0.8rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1.4rem;
  display: block;
}

.booking-meta {
  list-style: none;
  padding: 0;
  margin: 1.4rem 0 0;
  font-size: 0.86rem;
}

.booking-meta li {
  display: flex;
  gap: 0.6rem;
  padding: 0.45rem 0;
  color: rgba(255, 255, 255, 0.8);
}

.booking-meta i {
  color: var(--gold);
}

.booking-placeholder {
  /* padding: 2.6rem 2.2rem; */ 
  display: flex;
  min-height: 360px;
  background: repeating-linear-gradient(135deg, rgba(15, 15, 15, 0.025) 0 12px, transparent 12px 24px);
}



.booking-placeholder i {
  font-size: 2.4rem;
  color: var(--gold-deep);
  margin-bottom: 1.2rem;
}

.booking-placeholder .tag {
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  background: var(--gold-pale);
  color: var(--gold-deep);
  padding: 0.3rem 0.8rem;
  margin-top: 1.2rem;
  font-weight: 700;
}

/* ---------------- Forms ---------------- */
.form-control-custom {
  border-radius: var(--radius);
  border: 1px solid var(--hairline);
  padding: 0.85rem 1rem;
  font-size: 0.94rem;
  background: var(--white);
}

.form-control-custom:focus {
  border-color: var(--gold-deep);
  box-shadow: 0 0 0 3px rgba(232, 195, 88, 0.25);
}

label.form-label-custom {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 0.4rem;
}

.form-consent {
  font-size: 0.78rem;
  color: var(--stone);
}

.contact-info-card {
  background: var(--ink);
  color: var(--white);
  padding: 2.6rem;
}

.contact-info-card .item {
  display: flex;
  gap: 1rem;
  padding: 1.1rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.contact-info-card .item:last-child {
  border-bottom: none;
}

.contact-info-card .item i {
  color: var(--gold);
  font-size: 1.1rem;
  margin-top: 2px;
}

.contact-info-card .item .label {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.55);
  display: block;
}

.contact-info-card .item .value {
  color: var(--white);
  font-size: 0.95rem;
}

.map-frame {
  filter: grayscale(35%) contrast(1.05);
  border: 1px solid var(--hairline);
}

.contact-time-card {
  background: #fff;
  border: 1px solid #e5e5e5;
  border-radius: 12px;
  padding: 24px;
  margin-top: 30px;
}

.contact-time-card h3 {
  margin: 0;
  font-size: 22px;
  font-weight: 700;
  color: #222;
}

.contact-time-card p {
  margin: 8px 0 20px;
  color: #666;
  font-size: 15px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  margin-bottom: 8px;
  font-size: 14px;
  font-weight: 600;
  color: #333;
}

.form-group select,
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid #ddd;
  border-radius: 8px;
  font-size: 15px;
  outline: none;
  transition: .2s ease;
  box-sizing: border-box;
}

.form-group select:focus,
.form-group input:focus,
.form-group textarea:focus {
  border-color: #c7a253;
  box-shadow: 0 0 0 3px rgba(199, 162, 83, .15);
}

textarea {
  resize: vertical;
  min-height: 90px;
}

/* ---------------- Page header (services/contact) ---------------- */
.page-header {
  background: var(--ink);
  padding: 9rem 0 4rem;
  position: relative;
  overflow: hidden;
}

.page-header::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(to right, var(--gold), transparent);
}

.page-header h1 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 2.8rem);
  margin-top: 0.8rem;
}

.page-header p {
  color: rgba(255, 255, 255, 0.7);
  max-width: 560px;
  margin-top: 0.8rem;
}

.breadcrumb-custom {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
}

.breadcrumb-custom a {
  color: rgba(255, 255, 255, 0.85);
}

.breadcrumb-custom a:hover {
  color: var(--gold);
}

/* ---------------- Footer ---------------- */
.site-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.65);
  padding-top: 4.5rem;
}

.site-footer h5 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.3rem;
}

.site-footer .brand {
  margin-bottom: 1rem;
}

.site-footer p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.9rem;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: 0.7rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.9rem;
}

.footer-links a:hover {
  color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  margin-top: 3rem;
  padding: 1.6rem 0;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
}

.social-row {
  display: flex;
  gap: 0.8rem;
  margin-top: 1.2rem;
}

.social-row a {
  width: 36px;
  height: 36px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: all 0.25s ease;
}

.social-row a:hover {
  background: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}

/* ---------------- Carrier strip ---------------- */
.carrier-strip {
  background: var(--ink);
  padding: 3.2rem 0;
}

.carrier-strip .strip-label {
  text-align: center;
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 2rem;
}

.carrier-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.9rem;
}

.carrier-pill {
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 0.6rem 1.3rem;
  border-radius: 999px;
  white-space: nowrap;
}

/* ---------------- Explained + inline quote panel ---------------- */
.explain-accordion .accordion-button {
  font-family: var(--font-body);
  font-size: 0.98rem;
  font-weight: 600;
}

.quote-panel {
  background: var(--white);
  border: 1px solid var(--hairline);
  padding: 1.2rem;
  /* height: 100%; */
}

 

.quote-panel .panel-heading {
  font-family: var(--font-display);
  font-size: 1.35rem;
  margin-bottom: 1.5rem;
}

/* ---------------- Benefits dark section ---------------- */
.benefits-panel {
  background: var(--white);
  padding: 2.8rem;
}

.benefit-row {
  display: flex;
  gap: 1rem;
  padding: 1.1rem 0;
  border-bottom: 1px solid var(--hairline);
}

.benefit-row:last-child {
  border-bottom: none;
}

.benefit-row i {
  color: var(--gold-deep);
  margin-top: 4px;
}

.benefit-row h4 {
  font-size: 1.05rem;
  margin-bottom: 0.3rem;
}

.benefit-row p {
  font-size: 0.9rem;
  margin: 0;
}

/* ---------------- Info split (why buy / kids / coverage / first step) ---------------- */
.info-split img {
  width: 100%;
  border-radius: var(--radius);
}

.life-acronym {
  list-style: none;
  padding: 0;
  margin: 1.4rem 0;
}

.life-acronym li {
  display: flex;
  gap: 1rem;
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--hairline);
}

.life-acronym li:last-child {
  border-bottom: none;
}

.life-acronym .letter {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--gold-deep);
  min-width: 1.6rem;
}

.life-acronym strong {
  color: var(--ink);
}

/* Reveal-on-scroll */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.in {
  opacity: 1;
  transform: none;
}