/* =========================================================
   Insure Choice — ACA landing page v2
   Brand: Insure Choice orange + blue, modernized.
   ========================================================= */
:root {
  --orange: #F16E16;
  --orange-600: #D95D07;
  --orange-50: #FFF4EC;
  --blue: #0B4F8A;
  --blue-700: #083B68;
  --blue-50: #EEF5FC;
  --sky: #0078D7;
  --teal: #12A3B0;
  --green: #1F8A5B;
  --green-50: #EAF7F0;
  --ink: #17212B;
  --body: #3A4652;
  --muted: #66727E;
  --line: #E3E8EE;
  --bg: #FFFFFF;
  --tint: #F6F8FB;
  --sand: #FFF9F4;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(16, 33, 52, .06), 0 1px 1px rgba(16, 33, 52, .04);
  --shadow: 0 10px 30px -12px rgba(16, 33, 52, .22);
  --wrap: 1160px;
  --font: "Figtree", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.55;
  color: var(--body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--sky); }
h1, h2, h3 { color: var(--ink); line-height: 1.15; margin: 0; letter-spacing: -0.015em; }
p { margin: 0; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 6px; }

/* ---------- Enrollment banner ---------- */
.oe-bar {
  background: var(--blue);
  color: #fff;
  font-size: 14.5px;
  font-weight: 600;
  text-align: center;
  padding: 9px 16px;
}
.oe-bar .dot {
  display: inline-block; width: 8px; height: 8px; border-radius: 50%;
  background: #FFB37A; margin-right: 8px; vertical-align: 1px;
  box-shadow: 0 0 0 4px rgba(255, 179, 122, .25);
}

/* ---------- Header ---------- */
.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; min-height: 76px;
}
.logo img { height: 52px; width: auto; }
.header-right { display: flex; align-items: center; gap: 18px; }
.agent-line { text-align: right; font-size: 13.5px; line-height: 1.35; color: var(--muted); }
.agent-line strong { color: var(--ink); font-weight: 600; display: block; }
.call-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 16px; border-radius: 999px;
  border: 1.5px solid var(--blue); color: var(--blue);
  font-weight: 700; font-size: 16px; text-decoration: none; white-space: nowrap;
  transition: background .15s, color .15s;
}
.call-btn:hover { background: var(--blue); color: #fff; }
.call-btn svg { width: 18px; height: 18px; flex: none; }
.language-switcher { display: flex; gap: 4px; background: var(--tint); border-radius: 999px; padding: 3px; }
.lang-btn {
  border: 0; background: transparent; cursor: pointer;
  font: 600 13px var(--font); color: var(--muted);
  padding: 6px 10px; border-radius: 999px;
}
.lang-btn.active { background: #fff; color: var(--ink); box-shadow: var(--shadow-sm); }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, var(--sand) 0%, #fff 78%); padding: 44px 0 56px; }
.hero .wrap { display: grid; grid-template-columns: 1.08fr .92fr; gap: 48px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid #F7D5BC; color: var(--orange-600);
  font-size: 14px; font-weight: 700; padding: 6px 12px; border-radius: 999px; margin-bottom: 18px;
}
.hero h1 { font-size: clamp(32px, 4.3vw, 50px); font-weight: 800; }
.hero h1 em { font-style: normal; color: var(--orange); }
.hero-sub { font-size: 19px; margin-top: 16px; max-width: 34em; }

.picker {
  margin-top: 28px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 22px; box-shadow: var(--shadow);
  scroll-margin-top: 24px;
}
.picker.pulse { animation: pulse 1.2s ease 2; }
@keyframes pulse { 50% { box-shadow: 0 0 0 6px rgba(241, 110, 22, .25), var(--shadow); } }
.picker-title { font-size: 18px; font-weight: 700; color: var(--ink); margin-bottom: 14px; display: flex; align-items: center; gap: 10px; }
.step-chip { background: var(--orange); color: #fff; font-size: 12px; font-weight: 800; padding: 3px 9px; border-radius: 999px; letter-spacing: .04em; text-transform: uppercase; }
.options-container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.options-container .option {
  position: relative;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 8px; min-height: 118px; padding: 16px 10px 14px;
  background: var(--orange); border-radius: var(--radius);
  color: #fff; text-decoration: none; text-align: center;
  box-shadow: 0 6px 14px -8px rgba(217, 93, 7, .8);
  transition: transform .12s ease, background .12s ease, box-shadow .12s ease;
}
.options-container .option:hover { background: var(--orange-600); transform: translateY(-2px); box-shadow: 0 10px 18px -8px rgba(217, 93, 7, .9); }
.options-container .option:active { transform: translateY(0); }
.options-container .option .icon svg { width: 44px; height: 44px; display: block; }
.options-container .option p { font-weight: 700; font-size: 16px; line-height: 1.2; margin: 0; }
.picker-foot { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 16px; font-size: 14.5px; color: var(--muted); }
.picker-foot span { display: inline-flex; align-items: center; gap: 6px; }
.picker-foot svg { width: 16px; height: 16px; color: var(--green); flex: none; }

.hero-media { position: relative; }
.hero-photo {
  border-radius: 28px; overflow: hidden; aspect-ratio: 4 / 4.6;
  background: var(--blue-50);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.quote-card {
  position: absolute; left: -36px; bottom: 28px; right: 36px;
  background: #fff; border-radius: var(--radius); padding: 16px 18px;
  box-shadow: var(--shadow); display: flex; gap: 14px; align-items: flex-start;
}
.quote-card img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; flex: none; }
.quote-card p { font-size: 15px; color: var(--ink); line-height: 1.45; }
.quote-card .author { font-size: 13.5px; color: var(--muted); margin-top: 6px; font-weight: 600; }

/* ---------- Carriers ---------- */
.carriers { padding: 30px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #fff; }
.carriers .wrap { display: flex; align-items: center; gap: 28px; justify-content: space-between; flex-wrap: wrap; }
.carriers-label { font-size: 14px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; }
.carrier-logos { display: flex; align-items: center; gap: 36px; flex-wrap: wrap; flex: 1; justify-content: flex-end; }
.carrier-logos img { height: 30px; width: auto; filter: grayscale(1); opacity: .75; transition: filter .2s, opacity .2s; }
.carrier-logos img:hover { filter: none; opacity: 1; }
.more-carriers { font-size: 14px; color: var(--muted); font-weight: 600; }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section.alt { background: var(--tint); }
.section-head { max-width: 680px; margin: 0 auto 36px; text-align: center; }
.section-head h2 { font-size: clamp(27px, 3.2vw, 38px); font-weight: 800; }
.section-head p { margin-top: 12px; font-size: 18px; }
.kicker { display: block; font-size: 13.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--orange-600); margin-bottom: 10px; }

/* ---------- Savings checker ---------- */
.checker {
  display: grid; grid-template-columns: 1fr 1.1fr; gap: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); overflow: hidden;
}
.checker-inputs { padding: 30px; border-right: 1px solid var(--line); }
.checker-result { padding: 30px; background: var(--blue-50); display: flex; flex-direction: column; }
.field + .field { margin-top: 22px; }
.field label { display: block; font-weight: 700; color: var(--ink); margin-bottom: 8px; font-size: 16px; }
.field .hint { font-size: 14px; color: var(--muted); margin-top: 6px; }
.stepper { display: inline-flex; align-items: center; border: 1.5px solid var(--line); border-radius: 12px; overflow: hidden; }
.stepper button {
  width: 48px; height: 50px; border: 0; background: var(--tint); cursor: pointer;
  font: 700 22px var(--font); color: var(--blue);
}
.stepper button:hover { background: var(--blue-50); }
.stepper output { min-width: 64px; text-align: center; font-weight: 800; font-size: 20px; color: var(--ink); }
.money { position: relative; }
.money span { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); }
.money input {
  width: 100%; height: 52px; padding: 0 16px 0 32px;
  border: 1.5px solid var(--line); border-radius: 12px;
  font: 700 20px var(--font); color: var(--ink);
}
.money input:focus { border-color: var(--sky); outline: none; box-shadow: 0 0 0 4px rgba(0, 120, 215, .15); }
.result-label { font-size: 13.5px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--blue); }
.result-title { font-size: 25px; font-weight: 800; color: var(--ink); margin-top: 8px; line-height: 1.2; }
.result-body { margin-top: 10px; font-size: 16.5px; }
.fpl-meter { margin-top: 22px; }
.fpl-track { position: relative; height: 12px; border-radius: 999px; display: flex; overflow: hidden; }
.fpl-track i { display: block; height: 100%; }
.fpl-track .b0 { background: #C9D3DD; flex: 100; }
.fpl-track .b1 { background: var(--green); flex: 50; }
.fpl-track .b2 { background: #4CB083; flex: 100; }
.fpl-track .b3 { background: #9BD3B8; flex: 150; }
.fpl-track .b4 { background: #C9D3DD; flex: 100; }
.fpl-marker {
  position: relative; height: 0;
}
.fpl-marker b {
  position: absolute; top: -20px; width: 20px; height: 20px; margin-left: -10px;
  border-radius: 50%; background: #fff; border: 4px solid var(--orange);
  box-shadow: 0 2px 6px rgba(0,0,0,.2); transition: left .35s ease;
}
.fpl-scale { display: flex; justify-content: space-between; font-size: 12.5px; color: var(--muted); margin-top: 10px; }
.fpl-pct { margin-top: 14px; font-size: 14.5px; color: var(--muted); }
.fpl-pct strong { color: var(--ink); }
.checker-cta { margin-top: auto; padding-top: 22px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 54px; padding: 0 26px; border-radius: 12px; border: 0; cursor: pointer;
  background: var(--orange); color: #fff; font: 800 17.5px var(--font); text-decoration: none;
  box-shadow: 0 8px 18px -10px rgba(217, 93, 7, .9);
  transition: background .15s, transform .12s;
}
.btn:hover { background: var(--orange-600); transform: translateY(-1px); }
.btn.block { width: 100%; }
.btn.ghost { background: #fff; color: var(--blue); border: 1.5px solid var(--blue); box-shadow: none; }
.btn.ghost:hover { background: var(--blue); color: #fff; }
.fineprint { font-size: 13px; color: var(--muted); margin-top: 12px; line-height: 1.5; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: s; }
.step-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; }
.step-card .num {
  width: 40px; height: 40px; border-radius: 12px; background: var(--orange-50); color: var(--orange-600);
  font-weight: 800; font-size: 18px; display: grid; place-items: center; margin-bottom: 16px;
}
.step-card h3 { font-size: 20px; font-weight: 800; }
.step-card p { margin-top: 8px; font-size: 16px; }

/* ---------- Benefits ---------- */
.benefits { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.benefit { padding: 4px 4px 0; }
.benefit .ic {
  width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center;
  background: var(--blue-50); color: var(--blue); margin-bottom: 14px;
}
.benefit .ic svg { width: 24px; height: 24px; }
.benefit h3 { font-size: 18px; font-weight: 800; }
.benefit p { margin-top: 6px; font-size: 15.5px; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; }
.faq summary {
  list-style: none; cursor: pointer; padding: 18px 56px 18px 22px; position: relative;
  font-weight: 700; font-size: 17.5px; color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 22px; top: 50%; width: 10px; height: 10px; margin-top: -7px;
  border-right: 2.5px solid var(--orange); border-bottom: 2.5px solid var(--orange); transform: rotate(45deg);
  transition: transform .2s;
}
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.faq .answer { padding: 0 22px 20px; font-size: 16px; }

/* ---------- Final CTA ---------- */
.final-cta { padding: 64px 0; background: var(--sand); border-top: 1px solid #F6E3D3; }
.final-cta .wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: center; }
.final-cta h2 { font-size: clamp(27px, 3vw, 36px); font-weight: 800; }
.final-cta p { margin-top: 10px; font-size: 18px; }
.final-actions { display: flex; flex-direction: column; gap: 12px; }
.final-actions .call-note { text-align: center; font-size: 14px; color: var(--muted); }

/* ---------- Footer ---------- */
footer { background: #fff; border-top: 1px solid var(--line); padding: 34px 0 110px; font-size: 13.5px; color: var(--muted); }
footer .disclaimer { max-width: 900px; line-height: 1.6; }
footer .disclaimer + .disclaimer { margin-top: 10px; }
.menu-footer { margin-top: 18px; display: flex; gap: 18px; flex-wrap: wrap; }
.menu-footer a { color: var(--muted); }

/* reCAPTCHA badge hidden; required attribution text is in the footer */
.grecaptcha-badge { visibility: hidden !important; }
footer .disclaimer a { color: var(--muted); }

/* ---------- Mobile sticky bar ---------- */
.sticky-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 50;
  display: none; gap: 10px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.96); backdrop-filter: blur(8px);
  border-top: 1px solid var(--line); box-shadow: 0 -6px 20px -10px rgba(16,33,52,.25);
  transform: translateY(110%); transition: transform .25s ease;
}
.sticky-bar.show { transform: translateY(0); }
.sticky-bar .btn { flex: 1; min-height: 50px; font-size: 16.5px; padding: 0 14px; }
.sticky-bar .call-sq {
  flex: none; width: 54px; min-height: 50px; border-radius: 12px; display: grid; place-items: center;
  border: 1.5px solid var(--blue); color: var(--blue); background: #fff;
}
.sticky-bar .call-sq svg { width: 22px; height: 22px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 30px; }
  .hero-media { max-width: 520px; margin: 0 auto; width: 100%; }
  .quote-card { left: 16px; right: 16px; bottom: 16px; }
  .checker { grid-template-columns: 1fr; }
  .checker-inputs { border-right: 0; border-bottom: 1px solid var(--line); }
  .benefits { grid-template-columns: repeat(2, 1fr); }
  .final-cta .wrap { grid-template-columns: 1fr; }
  .agent-line { display: none; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .oe-bar { font-size: 13.5px; }
  .site-header .wrap { min-height: 64px; }
  .logo img { height: 42px; }
  .header-right { gap: 8px; }
  .call-btn { padding: 8px 12px; font-size: 14.5px; }
  .call-btn .num-txt { display: none; }
  .hero { padding: 26px 0 40px; }
  .hero-sub { font-size: 17px; }
  .picker { padding: 16px; margin-top: 22px; }
  .options-container { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .options-container .option { min-height: 104px; }
  .options-container .option .icon svg { width: 38px; height: 38px; }
  .hero-photo { aspect-ratio: 4 / 3.4; border-radius: 22px; }
  .quote-card { position: relative; left: auto; right: auto; bottom: auto; margin: -36px 14px 0; }
  .carriers .wrap { justify-content: center; gap: 16px; }
  .carriers-label { width: 100%; text-align: center; }
  .carrier-logos { justify-content: center; gap: 22px 28px; }
  .carrier-logos img { height: 24px; }
  .section { padding: 52px 0; }
  .checker-inputs, .checker-result { padding: 22px; }
  .steps, .benefits { grid-template-columns: 1fr; }
  .sticky-bar { display: flex; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}