/*
Theme Name: Garden State Benefits
Theme URI: https://gardenstatebenefits.com
Author: Garden State Benefits
Author URI: https://gardenstatebenefits.com
Description: Professional insurance agency theme for Garden State Benefits — small business group benefits specialists.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.5
License: Proprietary
Text Domain: gsb
*/

/* ============================================================
   CSS CUSTOM PROPERTIES
   ============================================================ */

:root {
  --color-primary:     #1B3A2D;
  --color-accent:      #2D6A4F;
  --color-light:       #52B788;
  --color-bg:          #F5F0E8;
  --color-white:       #FFFFFF;
  --color-dark:        #1A1A1A;
  --color-mid-gray:    #6B7280;
  --color-light-gray:  #E5E1D8;
  --color-border:      #D4CFC5;

  --font-body:         'Roboto', sans-serif;
  --font-heading:      'Playfair Display', serif;

  --shadow-sm:         0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md:         0 4px 12px rgba(0,0,0,.10), 0 2px 6px rgba(0,0,0,.07);
  --shadow-lg:         0 10px 30px rgba(0,0,0,.12), 0 4px 10px rgba(0,0,0,.08);

  --radius-sm:         6px;
  --radius-md:         12px;
  --radius-lg:         20px;

  --container:         1180px;
  --header-h:          72px;

  --transition:        0.25s ease;
}

/* ============================================================
   RESET & BASE
   ============================================================ */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  background-color: var(--color-white);
  color: var(--color-dark);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--color-accent);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover {
  color: var(--color-primary);
}

ul, ol {
  list-style: none;
}

button {
  cursor: pointer;
  font-family: inherit;
  border: none;
  background: none;
}

input, textarea, select {
  font-family: inherit;
  font-size: 1rem;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  line-height: 1.25;
  color: var(--color-primary);
}

p {
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */

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

.section {
  padding: 5rem 0;
}

.section--sm {
  padding: 3rem 0;
}

.section--lg {
  padding: 7rem 0;
}

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

.section--dark {
  background-color: var(--color-primary);
  color: var(--color-white);
}

.section--dark h2,
.section--dark h3,
.section--dark h4 {
  color: var(--color-white);
}

.section--accent {
  background-color: var(--color-accent);
  color: var(--color-white);
}

.section--accent h2,
.section--accent h3 {
  color: var(--color-white);
}

.text-center { text-align: center; }
.text-left   { text-align: left;  }
.text-right  { text-align: right; }

.flex        { display: flex; }
.flex-col    { flex-direction: column; }
.items-center{ align-items: center; }
.justify-center { justify-content: center; }
.gap-1       { gap: .5rem; }
.gap-2       { gap: 1rem; }
.gap-3       { gap: 1.5rem; }
.gap-4       { gap: 2rem; }

.grid        { display: grid; }
.grid-2      { grid-template-columns: repeat(2, 1fr); gap: 2rem; }
.grid-3      { grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4      { grid-template-columns: repeat(4, 1fr); gap: 2rem; }

.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mt-6 { margin-top: 3rem; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mb-6 { margin-bottom: 3rem; }

/* ============================================================
   SECTION HEADERS
   ============================================================ */

.section-label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--color-light);
  margin-bottom: .75rem;
}

.section-title {
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 1rem;
}

.section-title--white {
  color: var(--color-white);
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--color-mid-gray);
  max-width: 640px;
  line-height: 1.7;
}

.section-subtitle--white {
  color: rgba(255,255,255,.80);
}

.section-header {
  margin-bottom: 3.5rem;
}

.section-header--center {
  text-align: center;
}

.section-header--center .section-subtitle {
  margin-left: auto;
  margin-right: auto;
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .75rem 1.75rem;
  border-radius: var(--radius-sm);
  font-size: .95rem;
  font-weight: 600;
  font-family: var(--font-body);
  transition: background-color var(--transition), color var(--transition), box-shadow var(--transition), transform var(--transition);
  cursor: pointer;
  text-decoration: none;
  border: 2px solid transparent;
  letter-spacing: .01em;
  line-height: 1;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn:active {
  transform: translateY(0);
}

.btn--primary {
  background-color: var(--color-accent);
  color: var(--color-white);
  border-color: var(--color-accent);
}

.btn--primary:hover {
  background-color: var(--color-primary);
  border-color: var(--color-primary);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
}

.btn--secondary {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn--secondary:hover {
  background-color: var(--color-primary);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
}

.btn--outline-white {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,.6);
}

.btn--outline-white:hover {
  background-color: rgba(255,255,255,.15);
  color: var(--color-white);
  border-color: var(--color-white);
}

.btn--white {
  background-color: var(--color-white);
  color: var(--color-primary);
  border-color: var(--color-white);
}

.btn--white:hover {
  background-color: var(--color-bg);
  color: var(--color-primary);
  box-shadow: var(--shadow-md);
}

.btn--lg {
  padding: 1rem 2.25rem;
  font-size: 1.05rem;
}

.btn--phone {
  background-color: var(--color-light);
  color: var(--color-white);
  border-color: var(--color-light);
  font-size: 1.1rem;
  padding: 1rem 2rem;
}

.btn--phone:hover {
  background-color: var(--color-accent);
  border-color: var(--color-accent);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
}

/* ============================================================
   CARDS
   ============================================================ */

.card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
  padding: 2rem;
  transition: box-shadow var(--transition), transform var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.card__icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: rgba(82,183,136,.12);
  border-radius: var(--radius-sm);
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
}

.card__title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: .6rem;
  font-family: var(--font-heading);
}

.card__text {
  color: var(--color-mid-gray);
  font-size: .95rem;
  line-height: 1.65;
}

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: var(--color-white);
  height: var(--header-h);
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition);
}

.site-header.scrolled {
  box-shadow: 0 2px 16px rgba(0,0,0,.10);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

/* Logo / Branding */
.site-branding {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
}

.site-branding:hover {
  text-decoration: none;
}

.site-logo {
  width: 56px;
  height: 56px;
  object-fit: contain;
  flex-shrink: 0;
}

.site-branding__text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}

.site-branding__name {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -.01em;
  line-height: 1.2;
}

.site-branding__tag {
  font-size: .65rem;
  color: var(--color-light);
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-top: .1rem;
}

/* Primary Nav */
.primary-nav {
  display: flex;
  align-items: center;
  gap: .25rem;
}

.primary-nav a {
  color: var(--color-dark);
  font-size: .92rem;
  font-weight: 500;
  padding: .5rem .75rem;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition), color var(--transition);
  text-decoration: none;
}

.primary-nav a:hover {
  background-color: rgba(27,58,45,.06);
  color: var(--color-primary);
}

.primary-nav a.current-menu-item {
  color: var(--color-accent);
  background-color: rgba(45,106,79,.08);
}

.nav-cta {
  margin-left: .5rem;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: var(--radius-sm);
  transition: background-color var(--transition);
}

.hamburger:hover {
  background-color: rgba(27,58,45,.06);
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background-color: var(--color-primary);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
  transform-origin: center;
}

.hamburger.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.hamburger.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Nav Overlay */
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--header-h);
  left: 0;
  right: 0;
  background: var(--color-white);
  border-bottom: 2px solid var(--color-accent);
  z-index: 999;
  box-shadow: var(--shadow-lg);
  flex-direction: column;
  padding: 1.25rem 1.5rem 1.75rem;
  gap: .25rem;
}

.mobile-nav.open {
  display: flex;
}

.mobile-nav a {
  color: var(--color-dark);
  font-size: 1.05rem;
  font-weight: 500;
  padding: .7rem 1rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: background-color var(--transition), color var(--transition);
  border-bottom: 1px solid var(--color-border);
}

.mobile-nav a:last-child {
  border-bottom: none;
}

.mobile-nav a:hover {
  background-color: rgba(27,58,45,.06);
  color: var(--color-primary);
}

.mobile-nav .btn {
  margin-top: .75rem;
  width: 100%;
  justify-content: center;
}

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background-color: var(--color-primary);
  color: rgba(255,255,255,.85);
  padding: 4rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.footer-brand__name {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: .35rem;
}

.footer-brand__tag {
  font-size: .72rem;
  color: var(--color-light);
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}

.footer-brand p {
  font-size: .9rem;
  color: rgba(255,255,255,.70);
  line-height: 1.65;
  margin-bottom: .5rem;
}

.footer-col-title {
  font-family: var(--font-body);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--color-light);
  margin-bottom: 1.1rem;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: .5rem;
}

.footer-links a {
  color: rgba(255,255,255,.75);
  font-size: .9rem;
  transition: color var(--transition);
  text-decoration: none;
}

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

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  margin-bottom: .85rem;
  font-size: .9rem;
  color: rgba(255,255,255,.80);
}

.footer-contact-item strong {
  color: var(--color-white);
}

.footer-contact-icon {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 2px;
  fill: var(--color-light);
}

.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .75rem;
}

.footer-bottom p {
  font-size: .82rem;
  color: rgba(255,255,255,.5);
  margin: 0;
}

.footer-npn {
  font-size: .8rem;
  color: rgba(255,255,255,.45);
}

/* ============================================================
   HERO — HOMEPAGE
   ============================================================ */

.hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-accent) 100%);
  padding: 6.5rem 0 5.5rem;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 1;
  max-width: 780px;
}

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--color-light);
  margin-bottom: 1.5rem;
  background: rgba(82,183,136,.15);
  padding: .4rem .9rem;
  border-radius: 100px;
  border: 1px solid rgba(82,183,136,.25);
}

.hero__title {
  font-family: var(--font-heading);
  font-size: clamp(2.25rem, 5.5vw, 4rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.15;
  margin-bottom: 1.5rem;
  letter-spacing: -.02em;
}

.hero__subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,.85);
  max-width: 640px;
  line-height: 1.7;
  margin-bottom: 2.5rem;
}

.hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

/* ============================================================
   TRUST BAR
   ============================================================ */

.trust-bar {
  background-color: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
  padding: 1.1rem 0;
}

.trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .88rem;
  font-weight: 600;
  color: var(--color-primary);
  padding: .35rem 1.5rem;
  border-right: 1px solid var(--color-border);
}

.trust-bar__item:last-child {
  border-right: none;
}

.trust-bar__dot {
  width: 7px;
  height: 7px;
  background: var(--color-light);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================================
   FEATURE CARDS — WHY GSB
   ============================================================ */

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.why-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 2rem 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.why-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: var(--color-light);
}

.why-card__icon {
  font-size: 2rem;
  margin-bottom: 1.1rem;
  display: block;
}

.why-card__title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: .6rem;
}

.why-card__text {
  font-size: .9rem;
  color: var(--color-mid-gray);
  line-height: 1.65;
}

/* ============================================================
   BENEFITS GRID
   ============================================================ */

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.benefit-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 2rem;
  transition: box-shadow var(--transition), transform var(--transition);
}

.benefit-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.benefit-card__icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  display: block;
}

.benefit-card__title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: .6rem;
}

.benefit-card__text {
  font-size: .9rem;
  color: var(--color-mid-gray);
  line-height: 1.65;
}

.benefits-cta {
  text-align: center;
  margin-top: 3rem;
}

/* ============================================================
   HOW WE WORK — PROCESS STEPS
   ============================================================ */

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: linear-gradient(to right, var(--color-light), var(--color-accent));
  z-index: 0;
}

.process-step {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 1rem .75rem 0;
}

.process-step__number {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--color-accent);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 0 0 5px var(--color-bg), 0 0 0 6px var(--color-border);
}

.process-step__title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: .6rem;
}

.process-step__text {
  font-size: .88rem;
  color: var(--color-mid-gray);
  line-height: 1.65;
}

/* ============================================================
   INDIVIDUAL & FAMILY SECTION
   ============================================================ */

.individual-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.individual-section__content {}

.individual-section__content .section-label {
  display: block;
  margin-bottom: .75rem;
}

.individual-section__image {
  background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-primary) 100%);
  border-radius: var(--radius-lg);
  min-height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 3rem;
}

.individual-illustration {
  text-align: center;
  color: var(--color-white);
}

.individual-illustration__icon {
  font-size: 5rem;
  margin-bottom: 1.25rem;
  display: block;
}

.individual-illustration p {
  font-size: 1.1rem;
  color: rgba(255,255,255,.85);
  line-height: 1.6;
}

.individual-list {
  margin: 1.5rem 0 2rem;
  display: flex;
  flex-direction: column;
  gap: .65rem;
}

.individual-list li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  font-size: .95rem;
  color: var(--color-dark);
}

.individual-list li::before {
  content: '';
  width: 18px;
  height: 18px;
  background: var(--color-light);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath fill-rule='evenodd' d='M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-size: contain;
}

/* ============================================================
   STATES GRID
   ============================================================ */

.states-grid {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: .75rem;
  margin-bottom: 1.5rem;
}

.state-badge {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: .6rem .25rem;
  text-align: center;
  font-size: .85rem;
  font-weight: 700;
  color: var(--color-primary);
  transition: background-color var(--transition), border-color var(--transition), color var(--transition);
}

.state-badge:hover {
  background-color: var(--color-accent);
  border-color: var(--color-accent);
  color: var(--color-white);
}

.states-note {
  text-align: center;
  font-size: .9rem;
  color: var(--color-mid-gray);
  font-style: italic;
}

/* ============================================================
   CTA SECTION
   ============================================================ */

.cta-section {
  background: linear-gradient(135deg, var(--color-primary) 0%, #0f2219 100%);
  padding: 5.5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  background: rgba(82,183,136,.05);
  border-radius: 50%;
  top: -200px;
  right: -200px;
  pointer-events: none;
}

.cta-section::after {
  content: '';
  position: absolute;
  width: 400px;
  height: 400px;
  background: rgba(82,183,136,.04);
  border-radius: 50%;
  bottom: -150px;
  left: -100px;
  pointer-events: none;
}

.cta-section__inner {
  position: relative;
  z-index: 1;
}

.cta-section__title {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  color: var(--color-white);
  font-weight: 700;
  margin-bottom: 1rem;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.cta-section__sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,.75);
  margin-bottom: 2.5rem;
}

.cta-section__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.cta-or {
  color: rgba(255,255,255,.5);
  font-size: .9rem;
  font-weight: 500;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.testimonial-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 2rem;
  position: relative;
}

.testimonial-card::before {
  content: '\201C';
  font-family: var(--font-heading);
  font-size: 5rem;
  color: var(--color-light);
  opacity: .25;
  position: absolute;
  top: .5rem;
  left: 1.25rem;
  line-height: 1;
}

.testimonial-card__quote {
  font-size: .95rem;
  color: var(--color-dark);
  line-height: 1.7;
  margin-bottom: 1.25rem;
  padding-top: 1.5rem;
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: .75rem;
}

.testimonial-card__avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--color-accent);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .9rem;
  flex-shrink: 0;
}

.testimonial-card__name {
  font-weight: 700;
  font-size: .9rem;
  color: var(--color-primary);
  font-family: var(--font-heading);
}

.testimonial-card__role {
  font-size: .8rem;
  color: var(--color-mid-gray);
}

.testimonial-card__stars {
  color: #F59E0B;
  font-size: .9rem;
  margin-bottom: .75rem;
  letter-spacing: 1px;
}

.placeholder-note {
  display: inline-block;
  background: rgba(245,158,11,.12);
  border: 1px solid rgba(245,158,11,.3);
  color: #92400E;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .25rem .6rem;
  border-radius: 4px;
  margin-bottom: 1rem;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */

.page-hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-accent) 100%);
  padding: 4.5rem 0 4rem;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.page-hero__inner {
  position: relative;
  z-index: 1;
  max-width: 700px;
}

.page-hero__eyebrow {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--color-light);
  margin-bottom: 1rem;
  background: rgba(82,183,136,.15);
  padding: .35rem .85rem;
  border-radius: 100px;
  border: 1px solid rgba(82,183,136,.25);
}

.page-hero__title {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  font-weight: 700;
  color: var(--color-white);
  line-height: 1.18;
  margin-bottom: 1.25rem;
}

.page-hero__subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,.82);
  line-height: 1.7;
  max-width: 580px;
}

/* ============================================================
   GROUP BENEFITS PAGE — Deep Content
   ============================================================ */

.product-section {
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--color-border);
}

.product-section:last-of-type {
  border-bottom: none;
}

.product-section__inner {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 3.5rem;
  align-items: start;
}

.product-section__sidebar {}

.product-section__icon-wrap {
  width: 72px;
  height: 72px;
  background: rgba(82,183,136,.12);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.25rem;
  margin-bottom: 1.25rem;
  border: 1px solid rgba(82,183,136,.2);
}

.product-section__sidebar-title {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--color-primary);
  font-weight: 700;
  margin-bottom: .5rem;
}

.product-section__sidebar-tag {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-light);
}

.product-section__body h3 {
  font-size: 1.15rem;
  color: var(--color-primary);
  margin: 1.5rem 0 .6rem;
}

.product-section__body h3:first-child {
  margin-top: 0;
}

.product-section__body p {
  font-size: .95rem;
  color: var(--color-dark);
  line-height: 1.75;
  margin-bottom: .9rem;
}

.product-section__body ul {
  list-style: none;
  margin: .75rem 0 1rem;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}

.product-section__body ul li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  font-size: .93rem;
  color: var(--color-dark);
  line-height: 1.55;
}

.product-section__body ul li::before {
  content: '✓';
  color: var(--color-light);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================================
   DIFFERENTIATOR CALLOUT
   ============================================================ */

.differentiator-box {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-accent) 100%);
  border-radius: var(--radius-lg);
  padding: 3.5rem;
  color: var(--color-white);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.differentiator-box h2 {
  color: var(--color-white);
  font-size: 1.85rem;
  margin-bottom: 1rem;
}

.differentiator-box p {
  color: rgba(255,255,255,.80);
  font-size: .95rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.differentiator-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.differentiator-list__item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: rgba(255,255,255,.08);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  border: 1px solid rgba(255,255,255,.1);
}

.differentiator-list__icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.differentiator-list__text strong {
  display: block;
  color: var(--color-white);
  font-size: .95rem;
  margin-bottom: .25rem;
}

.differentiator-list__text span {
  font-size: .87rem;
  color: rgba(255,255,255,.70);
}

/* ============================================================
   COMPLIANCE SECTION
   ============================================================ */

.compliance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.compliance-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border-left: 4px solid var(--color-accent);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}

.compliance-card__title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--color-primary);
  font-weight: 700;
  margin-bottom: .6rem;
}

.compliance-card__text {
  font-size: .88rem;
  color: var(--color-mid-gray);
  line-height: 1.65;
}

/* ============================================================
   FAQ
   ============================================================ */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-item {
  border-bottom: 1px solid var(--color-border);
}

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

.faq-item__question {
  width: 100%;
  text-align: left;
  padding: 1.4rem 1.75rem;
  background: var(--color-white);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  border: none;
  transition: background-color var(--transition);
}

.faq-item__question:hover {
  background-color: rgba(27,58,45,.03);
}

.faq-item__question.active {
  background-color: rgba(27,58,45,.04);
}

.faq-item__chevron {
  font-size: .8rem;
  color: var(--color-accent);
  transition: transform var(--transition);
  flex-shrink: 0;
}

.faq-item__question.active .faq-item__chevron {
  transform: rotate(180deg);
}

.faq-item__answer {
  display: none;
  padding: 0 1.75rem 1.5rem;
  font-size: .93rem;
  color: var(--color-dark);
  line-height: 1.75;
  background-color: rgba(27,58,45,.02);
}

.faq-item__answer.open {
  display: block;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */

.about-bio {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 4rem;
  align-items: start;
}

.about-photo {
  background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-primary) 100%);
  border-radius: var(--radius-lg);
  aspect-ratio: 3 / 4;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  color: rgba(255,255,255,.5);
}

.about-bio__content {}

.about-bio__name {
  font-family: var(--font-heading);
  font-size: 2rem;
  color: var(--color-primary);
  margin-bottom: .35rem;
}

.about-bio__credentials {
  font-size: .88rem;
  color: var(--color-mid-gray);
  font-weight: 500;
  margin-bottom: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
}

.about-bio__credentials span {
  background: rgba(27,58,45,.07);
  color: var(--color-primary);
  padding: .3rem .8rem;
  border-radius: 100px;
  font-size: .8rem;
  font-weight: 600;
}

.about-bio__body p {
  font-size: 1rem;
  color: var(--color-dark);
  line-height: 1.8;
  margin-bottom: 1.1rem;
}

.about-values {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.about-value-card {
  background: var(--color-bg);
  border-radius: var(--radius-md);
  padding: 2rem;
  text-align: center;
}

.about-value-card__icon {
  font-size: 2.25rem;
  margin-bottom: 1rem;
  display: block;
}

.about-value-card__title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--color-primary);
  margin-bottom: .5rem;
  font-weight: 700;
}

.about-value-card__text {
  font-size: .88rem;
  color: var(--color-mid-gray);
  line-height: 1.6;
}

.about-contact-card {
  background: var(--color-primary);
  border-radius: var(--radius-lg);
  padding: 3rem;
  color: var(--color-white);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}

.about-contact-card h3 {
  color: var(--color-white);
  font-size: 1.6rem;
  margin-bottom: .75rem;
}

.about-contact-card p {
  color: rgba(255,255,255,.75);
  font-size: .95rem;
  line-height: 1.65;
  margin-bottom: 0;
}

.about-contact-details {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.about-contact-detail {
  display: flex;
  align-items: center;
  gap: .85rem;
  color: rgba(255,255,255,.85);
  font-size: .95rem;
}

.about-contact-detail strong {
  display: block;
  color: var(--color-white);
}

.about-contact-detail__icon {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* ============================================================
   CONTACT PAGE
   ============================================================ */

.contact-layout {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 4rem;
  align-items: start;
}

.contact-form-wrap {}

.contact-form-title {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  color: var(--color-primary);
  margin-bottom: 1.75rem;
}

.gsb-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: .4rem;
}

.form-field label {
  font-size: .85rem;
  font-weight: 600;
  color: var(--color-dark);
  letter-spacing: .01em;
}

.form-field input,
.form-field select,
.form-field textarea {
  padding: .75rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: .95rem;
  color: var(--color-dark);
  background: var(--color-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  width: 100%;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(45,106,79,.12);
}

.form-field textarea {
  resize: vertical;
  min-height: 120px;
}

.form-checkboxes {
  display: flex;
  flex-direction: column;
  gap: .4rem;
}

.form-checkboxes label {
  font-size: .9rem;
  font-weight: 400;
  display: flex;
  align-items: center;
  gap: .55rem;
  cursor: pointer;
  color: var(--color-dark);
}

.form-checkboxes input[type="checkbox"] {
  width: 17px;
  height: 17px;
  flex-shrink: 0;
  accent-color: var(--color-accent);
  border-radius: 3px;
  padding: 0;
}

.form-field--full {
  grid-column: 1 / -1;
}

.form-submit-row {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.form-privacy-note {
  font-size: .78rem;
  color: var(--color-mid-gray);
}

.form-success {
  background: rgba(82,183,136,.12);
  border: 1px solid rgba(82,183,136,.35);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  color: var(--color-primary);
  font-size: .95rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: .75rem;
  margin-bottom: 1.5rem;
}

.form-error {
  background: rgba(220,38,38,.06);
  border: 1px solid rgba(220,38,38,.2);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  color: #991B1B;
  font-size: .93rem;
  margin-bottom: 1.5rem;
}

.contact-info-card {
  background: var(--color-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  padding: 2.5rem 2rem;
  position: sticky;
  top: calc(var(--header-h) + 1.5rem);
}

.contact-info-card__title {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--color-primary);
  margin-bottom: 1.75rem;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.contact-detail-item:last-of-type {
  margin-bottom: 0;
}

.contact-detail-icon {
  width: 44px;
  height: 44px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.contact-detail-text strong {
  display: block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--color-mid-gray);
  margin-bottom: .2rem;
}

.contact-detail-text a,
.contact-detail-text span {
  font-size: .98rem;
  color: var(--color-primary);
  font-weight: 500;
  text-decoration: none;
}

.contact-detail-text a:hover {
  color: var(--color-accent);
}

.contact-separator {
  border: none;
  border-top: 1px solid var(--color-border);
  margin: 1.75rem 0;
}

.contact-license-info {
  font-size: .82rem;
  color: var(--color-mid-gray);
  line-height: 1.6;
}

.contact-license-info strong {
  color: var(--color-dark);
}

/* ============================================================
   INDIVIDUAL & FAMILY PAGE
   ============================================================ */

.plan-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.plan-type-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 2rem;
  transition: box-shadow var(--transition), transform var(--transition);
}

.plan-type-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.plan-type-card--featured {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 2px rgba(45,106,79,.12);
}

.plan-type-card__badge {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-white);
  background: var(--color-accent);
  padding: .25rem .65rem;
  border-radius: 100px;
  margin-bottom: 1rem;
}

.plan-type-card__icon {
  font-size: 2.25rem;
  margin-bottom: 1rem;
  display: block;
}

.plan-type-card__title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  color: var(--color-primary);
  margin-bottom: .65rem;
  font-weight: 700;
}

.plan-type-card__text {
  font-size: .9rem;
  color: var(--color-mid-gray);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.plan-type-card__features {
  display: flex;
  flex-direction: column;
  gap: .4rem;
}

.plan-type-card__features li {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .85rem;
  color: var(--color-dark);
}

.plan-type-card__features li::before {
  content: '✓';
  color: var(--color-light);
  font-weight: 700;
  flex-shrink: 0;
}

.versus-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.versus-table th {
  background: var(--color-primary);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  padding: 1.1rem 1.5rem;
  text-align: left;
}

.versus-table td {
  padding: 1rem 1.5rem;
  font-size: .92rem;
  color: var(--color-dark);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-white);
  vertical-align: top;
}

.versus-table tr:last-child td {
  border-bottom: none;
}

.versus-table tr:nth-child(even) td {
  background: rgba(245,240,232,.4);
}

.versus-table .check {
  color: var(--color-light);
  font-weight: 700;
  font-size: 1rem;
}

.versus-table .cross {
  color: #EF4444;
  font-weight: 700;
}

/* ============================================================
   TESTIMONIALS PAGE
   ============================================================ */

.testimonials-page-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.75rem;
}

.testimonial-full-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 2.25rem;
  position: relative;
}

.testimonial-full-card::before {
  content: '\201C';
  font-family: var(--font-heading);
  font-size: 5rem;
  color: var(--color-light);
  opacity: .18;
  position: absolute;
  top: .5rem;
  left: 1.5rem;
  line-height: 1;
}

.testimonial-full-card__stars {
  color: #F59E0B;
  font-size: 1rem;
  letter-spacing: 1px;
  margin-bottom: 1rem;
}

.testimonial-full-card__quote {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--color-dark);
  font-style: italic;
  margin-bottom: 1.5rem;
  padding-top: 1.25rem;
}

.testimonial-full-card__author {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.testimonial-full-card__avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-accent);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.testimonial-full-card__name {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
}

.testimonial-full-card__detail {
  font-size: .82rem;
  color: var(--color-mid-gray);
}

/* ============================================================
   INNER PAGE CONTENT
   ============================================================ */

.page-content {
  padding: 4.5rem 0;
}

.prose h2 {
  font-size: 1.85rem;
  color: var(--color-primary);
  margin: 2.5rem 0 1rem;
}

.prose h3 {
  font-size: 1.3rem;
  color: var(--color-primary);
  margin: 2rem 0 .75rem;
}

.prose p {
  font-size: 1rem;
  color: var(--color-dark);
  line-height: 1.8;
  margin-bottom: 1.1rem;
}

.prose ul {
  margin: 1rem 0 1.5rem 1.25rem;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}

.prose ul li {
  font-size: .95rem;
  color: var(--color-dark);
  list-style: disc;
  line-height: 1.6;
}

/* ============================================================
   BREADCRUMB
   ============================================================ */

.breadcrumb {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .82rem;
  color: var(--color-mid-gray);
  padding: .85rem 0;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 0;
}

.breadcrumb a {
  color: var(--color-accent);
  text-decoration: none;
}

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

.breadcrumb__sep {
  color: var(--color-border);
}

/* ============================================================
   MISC UTILITIES
   ============================================================ */

.highlight-box {
  background: rgba(82,183,136,.1);
  border-left: 4px solid var(--color-light);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  font-size: .95rem;
  color: var(--color-primary);
  line-height: 1.65;
}

.divider {
  border: none;
  border-top: 1px solid var(--color-border);
  margin: 3rem 0;
}

/* ============================================================
   WORDPRESS DEFAULTS
   ============================================================ */

.wp-block-image img {
  border-radius: var(--radius-md);
}

.alignleft  { float: left;  margin-right: 1.5rem; }
.alignright { float: right; margin-left: 1.5rem;  }
.aligncenter { margin-left: auto; margin-right: auto; display: block; }

/* ============================================================
   RESPONSIVE — TABLET (max-width: 1024px)
   ============================================================ */

@media (max-width: 1024px) {
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-steps::before {
    display: none;
  }

  .individual-section {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .states-grid {
    grid-template-columns: repeat(6, 1fr);
  }

  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }

  .footer-grid > div:first-child {
    grid-column: 1 / -1;
  }

  .product-section__inner {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }

  .about-bio {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .about-photo {
    max-height: 280px;
    aspect-ratio: unset;
  }

  .about-contact-card {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .differentiator-box {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 2.5rem;
  }

  .contact-layout {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .contact-info-card {
    position: static;
  }

  .testimonials-page-grid {
    grid-template-columns: 1fr;
  }

  .plan-type-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* ============================================================
   RESPONSIVE — MOBILE (max-width: 768px)
   ============================================================ */

@media (max-width: 768px) {
  :root {
    --header-h: 64px;
  }

  .section {
    padding: 3.5rem 0;
  }

  .section--lg {
    padding: 4.5rem 0;
  }

  .primary-nav {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .hero {
    padding: 4.5rem 0 4rem;
  }

  .hero__title {
    font-size: 2rem;
  }

  .hero__subtitle {
    font-size: .97rem;
  }

  .trust-bar__inner {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .trust-bar__item {
    border-right: none;
    border-bottom: 1px solid var(--color-border);
    padding: .65rem 1rem;
    justify-content: center;
  }

  .trust-bar__item:last-child {
    border-bottom: none;
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .benefits-grid {
    grid-template-columns: 1fr;
  }

  .process-steps {
    grid-template-columns: 1fr;
  }

  .states-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .cta-section__actions {
    flex-direction: column;
    align-items: stretch;
  }

  .cta-section__actions .btn {
    justify-content: center;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  .about-values {
    grid-template-columns: 1fr;
  }

  .compliance-grid {
    grid-template-columns: 1fr;
  }

  .plan-type-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-page-grid {
    grid-template-columns: 1fr;
  }

  .section-header {
    margin-bottom: 2.5rem;
  }

  .page-hero {
    padding: 3.5rem 0 3rem;
  }

  .page-hero__title {
    font-size: 1.9rem;
  }

  .versus-table {
    font-size: .82rem;
  }

  .versus-table th,
  .versus-table td {
    padding: .75rem 1rem;
  }

  .btn--lg {
    padding: .85rem 1.75rem;
    font-size: .97rem;
  }
}

@media (max-width: 480px) {
  .states-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .hero__ctas {
    flex-direction: column;
    align-items: stretch;
  }

  .hero__ctas .btn {
    justify-content: center;
  }

  .container {
    padding-left: 1rem;
    padding-right: 1rem;
  }
}