/* ============================================================
   CUSTOMPLAN FINANCIAL GIC — INSTITUTIONAL DESIGN SYSTEM
   Palette: Charcoal (#1C2636), Warm White (#FAFAFA),
            Off-white (#F4F5F7), Gold Accent (#9A7B2F)
   ============================================================ */

:root {
    --charcoal:    #0B3C61;
    --charcoal-md: #0D4975;
    --charcoal-lt: #125E97;
    --gold:        #F5B716;
    --gold-hover:  #D99E0F;
    --gold-light:  #FEF3D1;
    --white:       #FFFFFF;
    --off-white:   #F4F5F7;
    --warm-bg:     #FAFAFA;
    --border:      #DDE1E8;
    --text-main:   #1C2636;
    --text-mid:    #445166;
    --text-light:  #6B7685;
    --green:       #2D7A4F;
    --green-light: #EAF4EE;
    --red-note:    #7A2D2D;
    --red-light:   #F9EAEA;

    --font-head:   'Playfair Display', Georgia, serif;
    --font-body:   'Inter', -apple-system, system-ui, sans-serif;

    --shadow-xs:   0 1px 3px rgba(0,0,0,0.07);
    --shadow-sm:   0 2px 8px rgba(0,0,0,0.08);
    --shadow-md:   0 4px 20px rgba(0,0,0,0.10);
    --shadow-lg:   0 8px 40px rgba(0,0,0,0.13);

    --radius-sm:   4px;
    --radius-md:   8px;
    --radius-lg:   12px;

    --transition:  0.2s ease;
    --max-width:   1180px;
}

/* ── RESET ── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-main);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
h1, h2, h3, h4, h5 {
    font-family: var(--font-head);
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1.25;
}
a { color: var(--gold); text-decoration: none; }
a:hover { color: var(--gold-hover); }
img { max-width: 100%; display: block; }
ul { list-style: none; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 2rem; }

/* ── BUTTONS ── */
.btn-primary {
    display: inline-block;
    padding: 0.8rem 2rem;
    background: var(--charcoal);
    color: var(--white);
    font-family: var(--font-body);
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    border-radius: var(--radius-sm);
    border: 2px solid var(--charcoal);
    cursor: pointer;
    transition: all var(--transition);
    white-space: nowrap;
}
.btn-primary:hover {
    background: var(--charcoal-md);
    border-color: var(--charcoal-md);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: var(--shadow-sm);
}
.btn-secondary-sm {
    display: inline-block;
    padding: 0.55rem 1.25rem;
    border: 1.5px solid rgba(255,255,255,0.5);
    color: var(--white);
    font-size: 0.85rem;
    font-weight: 600;
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    margin-top: 1rem;
}
.btn-secondary-sm:hover {
    background: rgba(255,255,255,0.12);
    border-color: var(--white);
    color: var(--white);
}

/* ── SECTION UTILITIES ── */
.section { padding: 5.5rem 0; }
.section-white  { background: var(--white); }
.section-offwhite { background: var(--off-white); }

.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-header h2 { font-size: 2.4rem; margin-bottom: 1rem; }
.section-sub { color: var(--text-mid); max-width: 680px; margin: 0 auto; font-size: 0.97rem; }

.eyebrow {
    display: inline-block;
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.75rem;
    padding: 0.25rem 0.75rem;
    border: 1px solid var(--gold-light);
    border-radius: 2px;
    background: var(--gold-light);
}



/* ═══════════════════════════════════════════════
   NAVIGATION
═══════════════════════════════════════════════ */
#main-nav {
    position: sticky;
    top: 0;
    z-index: 200;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-xs);
}
.nav-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    padding: 0.9rem 2rem;
}

/* Logo — text only */
.logo-lockup { display: flex; align-items: center; }
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-line1 {
    font-family: var(--font-head);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--charcoal);
}
.logo-line2 {
    font-size: 0.7rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-light);
}

/* Nav links */
.nav-links {
    display: flex;
    align-items: center;
    gap: 0.1rem;
    list-style: none;
}
.nav-link {
    padding: 0.5rem 0.85rem;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-mid);
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    white-space: nowrap;
}
.nav-link:hover { color: var(--charcoal); background: var(--off-white); }
.nav-link.active { color: var(--charcoal); }
.nav-cta {
    background: var(--charcoal) !important;
    color: var(--white) !important;
    font-weight: 600 !important;
    margin-left: 0.5rem;
}
.nav-cta:hover { background: var(--charcoal-md) !important; }

/* Hamburger */
.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
    flex-shrink: 0;
}
.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--charcoal);
    border-radius: 2px;
    transition: all var(--transition);
}

/* ═══════════════════════════════════════════════
   HERO — City Slideshow
═══════════════════════════════════════════════ */
.hero {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

/* Slideshow */
.hero-slideshow {
    position: absolute;
    inset: 0;
    z-index: 0;
}
.hero-slide {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center 35%;
    opacity: 0;
    transition: opacity 1.2s ease;
}
.hero-slide.active { opacity: 1; }

.slide-caption {
    position: absolute;
    bottom: 1rem;
    right: 1.25rem;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.55);
    display: none; /* shown via z-index on active slide via JS */
}
.hero-slide.active .slide-caption { display: block; }

/* Lighter overlay so cities show clearly */
.hero-overlay {
    position: absolute;
    inset: 0;
    z-index: 1;
    background: linear-gradient(
        100deg,
        rgba(28,38,54,0.82) 0%,
        rgba(28,38,54,0.68) 42%,
        rgba(28,38,54,0.38) 72%,
        rgba(28,38,54,0.18) 100%
    );
}

/* Dot indicators */
.hero-dots {
    position: absolute;
    bottom: 1.5rem;
    left: 50%;
    transform: translateX(-50%);
    z-index: 10;
    display: flex;
    gap: 0.5rem;
}
.hero-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    border: none;
    background: rgba(255,255,255,0.35);
    cursor: pointer;
    transition: background var(--transition), transform var(--transition);
    padding: 0;
}
.hero-dot.active {
    background: var(--white);
    transform: scale(1.3);
}

.hero-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 4rem;
    align-items: center;
    padding-top: 4rem;
    padding-bottom: 5rem;
}
.hero-eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.65);
    margin-bottom: 1rem;
    display: block;
}
.hero h1 {
    font-size: clamp(2.2rem, 4vw, 3.4rem);
    color: var(--white);
    margin-bottom: 1.25rem;
    line-height: 1.18;
}
.hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.80);
    max-width: 520px;
    margin-bottom: 2rem;
    line-height: 1.75;
}

/* Hero rate box */
.hero-rate-box {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2rem 1.75rem;
    box-shadow: var(--shadow-lg);
    text-align: center;
    border-top: 4px solid var(--charcoal);
}
.rate-box-label {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--text-light);
    margin-bottom: 0.75rem;
}
.rate-box-figure {
    font-family: var(--font-head);
    font-size: 4rem;
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1;
    margin-bottom: 0.4rem;
}
.rate-pct { font-size: 2rem; vertical-align: super; }
.rate-box-term {
    font-size: 0.82rem;
    color: var(--text-mid);
    font-weight: 500;
    margin-bottom: 0.5rem;
}
.rate-box-note {
    font-size: 0.72rem;
    color: var(--text-light);
    margin-bottom: 1.25rem;
    font-style: italic;
}

/* ═══════════════════════════════════════════════
   RATES SECTION
═══════════════════════════════════════════════ */
.province-row {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 2.5rem;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-mid);
    flex-wrap: wrap;
}
.province-row select {
    padding: 0.45rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.88rem;
    color: var(--text-main);
    background: var(--white);
    cursor: pointer;
    box-shadow: var(--shadow-xs);
}

/* Rates panel */
.rates-panel {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    margin-bottom: 2rem;
}
.rates-panel-head {
    padding: 1.4rem 2rem;
    border-bottom: 1px solid var(--border);
    background: var(--off-white);
}
.rates-panel-title {
    font-size: 1.1rem;
    font-family: var(--font-head);
    color: var(--charcoal);
}
.rates-panel-sub { font-size: 0.82rem; color: var(--text-light); margin-top: 0.2rem; }

/* Best rates row */
.best-rates-row {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
}
.best-rate-card {
    padding: 2rem 1.25rem;
    text-align: center;
    border-right: 1px solid var(--border);
    cursor: pointer;
    transition: background var(--transition);
}
.best-rate-card:last-child { border-right: none; }
.best-rate-card:hover { background: var(--off-white); }
.best-rate-card.top-rate {
    background: var(--charcoal);
}
.best-rate-card.top-rate .brc-term,
.best-rate-card.top-rate .brc-label { color: rgba(255,255,255,0.65); }
.best-rate-card.top-rate .brc-rate { color: var(--white); }
.best-rate-card.top-rate .brc-tag { background: var(--gold-light); color: var(--gold); border-color: var(--gold-light); }
.best-rate-card.top-rate .brc-cta { background: var(--gold); color: var(--charcoal); border: 1px solid var(--gold); }
.best-rate-card.top-rate .brc-cta:hover { background: var(--gold-hover); border-color: var(--gold-hover); color: var(--charcoal); }

.top-rate-badge {
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    background: var(--gold);
    color: var(--white);
    padding: 0.2rem 0.6rem;
    border-radius: 2px;
    display: inline-block;
    margin-bottom: 0.75rem;
}
.brc-term {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-light);
    margin-bottom: 0.6rem;
}
.brc-rate {
    font-family: var(--font-head);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1;
}
.brc-rate sup { font-size: 1rem; vertical-align: super; }
.brc-label {
    font-size: 0.75rem;
    color: var(--text-light);
    margin: 0.4rem 0 0.9rem;
}
.brc-tag {
    display: inline-block;
    font-size: 0.68rem;
    font-weight: 700;
    padding: 0.2rem 0.6rem;
    border-radius: 2px;
    border: 1px solid rgba(11, 60, 97, 0.2);
    color: var(--charcoal);
    background: rgba(11, 60, 97, 0.08);
    margin-bottom: 0.9rem;
}
.brc-cta {
    display: inline-block;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--white);
    background: var(--charcoal);
    border: 1px solid var(--charcoal);
    padding: 0.4rem 0.85rem;
    border-radius: var(--radius-sm);
    transition: all var(--transition);
}
.brc-cta:hover { background: var(--charcoal-md); border-color: var(--charcoal-md); color: var(--white); }

/* Charts */
.charts-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 0 0 2rem;
}
.chart-panel {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: 1.75rem;
}
.chart-panel-title { font-size: 1rem; font-family: var(--font-head); color: var(--charcoal); }
.chart-panel-sub { font-size: 0.78rem; color: var(--text-light); margin: 0.3rem 0 1.25rem; }
.chart-area { height: 240px; position: relative; }

/* Tab bar */
.tab-bar {
    display: flex;
    gap: 0.5rem;
    padding: 1rem 2rem;
    background: var(--off-white);
    border-bottom: 1px solid var(--border);
    flex-wrap: wrap;
}
.tab-btn {
    padding: 0.4rem 1.1rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    background: var(--white);
    color: var(--text-mid);
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
}
.tab-btn:hover { border-color: var(--charcoal); color: var(--charcoal); }
.tab-btn.active { background: var(--charcoal); color: var(--white); border-color: var(--charcoal); }

/* Rates list (replaces table) */
.table-wrap { padding: 1.5rem; background: var(--warm-bg); }
.rates-list { display: grid; gap: 1rem; }
.rate-list-card {
    display: grid; grid-template-columns: 2fr 3fr auto;
    align-items: center; background: var(--white);
    border: 1px solid var(--border); border-radius: var(--radius-md);
    padding: 1.25rem 1.5rem; gap: 1.5rem;
    box-shadow: var(--shadow-xs); transition: box-shadow var(--transition), border-color var(--transition);
}
.rate-list-card:hover { box-shadow: var(--shadow-sm); border-color: var(--charcoal-lt); }
.rlc-term { font-size: 0.72rem; font-weight: 700; color: var(--text-light); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.35rem; }
.rlc-rate { font-family: var(--font-head); font-size: 1.8rem; font-weight: 700; color: var(--charcoal); line-height: 1; }
.rlc-rate sup { font-size: 60%; vertical-align: super; }
.rlc-proj-label { font-size: 0.72rem; color: var(--text-light); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.35rem; font-weight: 700; }
.rlc-proj-val { font-size: 1.1rem; font-weight: 700; color: var(--charcoal); }
.rlc-earn { font-size: 0.85rem; font-weight: 500; color: #445166; margin-left: 0.5rem; }
.rlc-act { text-align: right; }
.btn-rate {
    padding: 0.4rem 0.9rem;
    font-size: 0.78rem;
    border: 1px solid var(--charcoal);
    border-radius: var(--radius-sm);
    background: var(--charcoal);
    color: var(--white);
    font-family: var(--font-body);
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
}
.btn-rate:hover { background: var(--charcoal-md); border-color: var(--charcoal-md); color: var(--white); }

.rates-legal {
    font-size: 0.78rem;
    color: var(--text-light);
    text-align: center;
    margin-top: 1.5rem;
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.65;
    font-style: italic;
}


/* ═══════════════════════════════════════════════
   DEPOSIT INSURANCE
═══════════════════════════════════════════════ */
.insurance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin-bottom: 2.5rem;
}
.insurance-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}
.insurance-card-head {
    display: flex;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1.75rem;
    border-bottom: 1px solid var(--border);
}
.cdic-head { background: var(--charcoal); }
.cdic-head h3 { color: var(--white); font-size: 1.1rem; }
.cdic-head p { color: rgba(255,255,255,0.65); }
.prov-head { background: var(--off-white); }
.prov-head h3 { font-size: 1.1rem; }

.insurance-logo-wrap {
    flex-shrink: 0;
    width: 52px;
    height: 52px;
    border-radius: var(--radius-sm);
    background: rgba(255,255,255,0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(255,255,255,0.15);
}
.prov-head .insurance-logo-wrap {
    background: var(--white);
    border-color: var(--border);
}
.insurance-abbr {
    font-family: var(--font-head);
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.05em;
}
.prov-abbr { color: var(--charcoal); }
.insurance-subtitle { font-size: 0.8rem; margin-top: 0.3rem; }

.insurance-body { padding: 1.75rem; }
.insurance-body > p { color: var(--text-mid); font-size: 0.9rem; margin-bottom: 1.25rem; line-height: 1.75; }
.insurance-body h4 {
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-light);
    margin: 1.25rem 0 0.6rem;
    padding-bottom: 0.4rem;
    border-bottom: 1px solid var(--border);
}
.insurance-list {
    list-style: disc;
    padding-left: 1.25rem;
    color: var(--text-mid);
    font-size: 0.88rem;
    line-height: 1.75;
}
.insurance-list li { margin-bottom: 0.3rem; }

.coverage-table-wrap { overflow-x: auto; margin-bottom: 0.5rem; }
.coverage-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.85rem;
}
.coverage-table th {
    text-align: left;
    padding: 0.55rem 0.85rem;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-light);
    background: var(--off-white);
    border-bottom: 1px solid var(--border);
}
.coverage-table td {
    padding: 0.6rem 0.85rem;
    border-bottom: 1px solid var(--border);
    color: var(--text-mid);
    vertical-align: top;
}
.coverage-table tbody tr:last-child td { border-bottom: none; }
.coverage-table tbody tr:hover td { background: var(--warm-bg); }

.insurance-note {
    background: var(--red-light);
    border-left: 3px solid var(--red-note);
    padding: 0.9rem 1rem;
    font-size: 0.83rem;
    color: var(--red-note);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin-top: 1rem;
    line-height: 1.65;
}
.insurance-note strong { color: var(--red-note); }
.insurance-source { font-size: 0.75rem; color: var(--text-light); margin-top: 0.85rem; font-style: italic; }
.insurance-source a { color: var(--gold); }

.stacking-note {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem 2.5rem;
    box-shadow: var(--shadow-xs);
}
.stacking-note h3 { font-size: 1.2rem; margin-bottom: 0.75rem; }
.stacking-note p { color: var(--text-mid); font-size: 0.92rem; line-height: 1.8; }
.stacking-note a { color: var(--charcoal); font-weight: 600; text-decoration: underline; }




/* ═══════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════ */
.faq-list {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    overflow: hidden;
    background: var(--white);
    transition: box-shadow var(--transition);
}
.faq-item.open { box-shadow: var(--shadow-sm); border-color: var(--charcoal-lt); }

.faq-btn {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 1.1rem 1.5rem;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--charcoal);
}
.faq-btn:hover { background: var(--off-white); }
.faq-toggle {
    font-size: 1.3rem;
    font-weight: 300;
    color: var(--text-light);
    transition: transform var(--transition);
    flex-shrink: 0;
    line-height: 1;
}
.faq-item.open .faq-toggle { transform: rotate(45deg); color: var(--charcoal); }

.faq-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
    padding: 0 1.5rem;
}
.faq-body p { color: var(--text-mid); font-size: 0.9rem; line-height: 1.8; }
.faq-item.open .faq-body { max-height: 400px; padding: 0 1.5rem 1.25rem; }

/* ═══════════════════════════════════════════════
   CONTACT
═══════════════════════════════════════════════ */
.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 4rem;
    align-items: start;
}
.contact-info-col .eyebrow { margin-bottom: 0.75rem; }
.contact-info-col h2 { font-size: 2.2rem; margin-bottom: 1rem; }
.contact-info-col > p { color: var(--text-mid); font-size: 0.97rem; line-height: 1.8; margin-bottom: 2rem; }

.contact-details { margin-bottom: 2rem; border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.contact-detail-row {
    display: flex;
    align-items: baseline;
    gap: 1rem;
    padding: 0.85rem 1.25rem;
    border-bottom: 1px solid var(--border);
    font-size: 0.9rem;
}
.contact-detail-row:last-child { border-bottom: none; }
.contact-detail-label { font-weight: 700; color: var(--text-light); width: 60px; flex-shrink: 0; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; }
.contact-detail-val { color: var(--charcoal); font-weight: 500; }
a.contact-detail-val { color: var(--charcoal); }
a.contact-detail-val:hover { color: var(--gold-hover); }

.contact-compliance {
    font-size: 0.78rem;
    color: var(--text-light);
    line-height: 1.65;
    font-style: italic;
    border-top: 1px solid var(--border);
    padding-top: 1.25rem;
}

/* Lead form */
.contact-form-col {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-md);
}
.form-row { margin-bottom: 0; }
.form-row.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
    display: block;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-light);
    margin-bottom: 0.45rem;
}
.lead-form input, .lead-form select {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--charcoal);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
}
.lead-form input:focus, .lead-form select:focus {
    outline: none;
    border-color: var(--charcoal);
    box-shadow: 0 0 0 3px rgba(28,38,54,0.07);
}
.form-submit { width: 100%; text-align: center; margin-top: 0.5rem; }
.form-consent {
    font-size: 0.72rem;
    color: var(--text-light);
    line-height: 1.6;
    margin-top: 1rem;
    font-style: italic;
}

.success-box {
    text-align: center;
    padding: 3rem 1.5rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    background: var(--green-light);
}
.success-box h3 { color: var(--green); margin-bottom: 0.75rem; }
.success-box p { color: var(--text-mid); font-size: 0.9rem; }
.success-box a { color: var(--charcoal); font-weight: 600; }

/* ═══════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════ */
.footer-main {
    background: var(--charcoal);
    color: rgba(255,255,255,0.65);
    padding: 4rem 0 2rem;
}
.footer-top-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    padding-bottom: 3rem;
    margin-bottom: 3rem;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo-lockup { display: flex; align-items: center; gap: 0.9rem; margin-bottom: 1.25rem; }
.footer-logo-mark {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-head);
    font-size: 1rem;
    font-weight: 700;
    color: var(--white);
    flex-shrink: 0;
}
.footer-logo-name { font-family: var(--font-head); font-size: 1rem; color: var(--white); }
.footer-logo-sub { font-size: 0.7rem; color: rgba(255,255,255,0.45); }
.footer-brand-desc { font-size: 0.85rem; line-height: 1.75; color: rgba(255,255,255,0.5); margin-bottom: 1.25rem; }
.footer-contact-block { font-size: 0.85rem; line-height: 1.9; }
.footer-contact-block a { color: rgba(255,255,255,0.75); }
.footer-contact-block a:hover { color: var(--white); }
.footer-contact-block strong { color: rgba(255,255,255,0.55); font-weight: 600; }

.footer-nav-col h4 {
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.45);
    margin-bottom: 1rem;
}
.footer-nav-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.footer-nav-col a { font-size: 0.85rem; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-nav-col a:hover { color: var(--white); }

.footer-disclaimer-block {
    background: rgba(0,0,0,0.2);
    border: 1px solid rgba(255,255,255,0.06);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    margin-bottom: 2rem;
}
.footer-disclaimer-block h4 {
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.4);
    margin-bottom: 0.75rem;
}
.footer-disclaimer-block p {
    font-size: 0.75rem;
    line-height: 1.75;
    color: rgba(255,255,255,0.38);
}

.footer-copyright { text-align: center; border-top: 1px solid rgba(255,255,255,0.06); padding-top: 1.5rem; }
.footer-copyright p { font-size: 0.8rem; color: rgba(255,255,255,0.35); }

/* ═══════════════════════════════════════════════
   RDBA FOOTER BAR
═══════════════════════════════════════════════ */
.rdba-footer {
    background: var(--charcoal);
    border-top: 1px solid rgba(255,255,255,0.08); /* blend with footer top */
    padding: 1.5rem 0;
}
.rdba-footer-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap;
}
.rdba-text {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.65);
    line-height: 1.65;
    flex: 1;
    min-width: 260px;
}
.rdba-text strong { color: var(--white); display: block; margin-bottom: 0.3rem; font-size: 0.88rem; }
.rdba-logo-wrap { flex-shrink: 0; }
.rdba-logo {
    max-height: 60px;
    width: auto;
    object-fit: contain;
}

/* ═══════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════ */
@media (max-width: 1024px) {
    .hero-content { grid-template-columns: 1fr; max-width: 620px; text-align: center; margin: 0 auto; }
    .hero-eyebrow { margin: 0 auto 1rem; display: inline-block; }
    .hero-sub { margin: 0 auto 2rem; }
    .hero-rate-box { margin-top: 2rem; text-align: center; }
    
    /* Beautiful decoupled cards for tablet */
    .best-rates-row { 
        display: grid; 
        grid-template-columns: repeat(2, 1fr);
        gap: 1.25rem;
        padding: 1.5rem;
        background: var(--warm-bg);
    }
    .best-rate-card { 
        border: 1px solid var(--border) !important;
        border-radius: var(--radius-md);
        box-shadow: var(--shadow-sm);
        background: var(--white);
    }
    .best-rate-card.top-rate { grid-column: 1 / -1; } /* Take full width for the best rate */
    
    .charts-row { grid-template-columns: 1fr; }
    .how-step { grid-template-columns: 1fr; gap: 2rem; }
    .how-step-reverse .how-step-img-wrap { order: -1; }
    .insurance-grid { grid-template-columns: 1fr; }
    .calc-layout { grid-template-columns: 1fr; }
    .client-types-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-top-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
    .contact-layout { grid-template-columns: 1fr; gap: 2.5rem; }
}

@media (max-width: 768px) {
    .section { padding: 3.5rem 0; }
    .section-header h2 { font-size: 1.9rem; }
    .hero h1 { font-size: 2.2rem; line-height: 1.25; }
    .hero-content { padding-top: 4.5rem; padding-bottom: 5rem; }
    
    /* Mobile nav */
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0; right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 0.75rem 1rem;
        gap: 0.2rem;
        border-bottom: 1px solid var(--border);
        box-shadow: var(--shadow-md);
        z-index: 100;
    }
    .nav-links.open { display: flex; }
    #main-nav { position: relative; }
    .hamburger { display: flex; }
    .nav-link { width: 100%; }
    
    .form-row.two-col { grid-template-columns: 1fr; }
    .footer-top-grid { grid-template-columns: 1fr; }
    .rdba-footer-inner { flex-direction: column; align-items: flex-start; }
    
    /* Convert rate list cards into fully stacked mobile layout */
    .rate-list-card { grid-template-columns: 1fr; text-align: center; gap: 1rem; padding: 2rem 1.5rem; }
    .rlc-act { text-align: center; margin-top: 0.5rem; }
}

@media (max-width: 480px) {
    .container { padding: 0 1.25rem; }
    
    /* On pure mobile, vertical stacking works best for readability */
    .best-rates-row { 
        display: grid; 
        grid-template-columns: 1fr;
        padding: 1.25rem;
    }
    
    .contact-form-col { padding: 1.75rem 1rem; }
    .rate-box-figure { font-size: 3.2rem; }
}