/* ============================================================
   Indemnify America — styles.css
   Editorial / refined / dignified
   ============================================================ */

:root {
  /* Brand palette */
  --c-purple-deep: #2D2A3E;
  --c-purple-matte: #6B5B95;
  --c-purple-mist:  #9E94B5;
  --c-terracotta:   #D4915C;
  --c-terracotta-soft: #E3B292;
  --c-cream:        #FAF8F5;
  --c-cream-deep:   #F3EFE7;
  --c-border:       #E8E3DA;
  --c-text:         #2D2A3E;
  --c-text-soft:    #5A556E;
  --c-text-mute:    #8B859E;
  --c-white:        #FFFFFF;

  /* Type */
  --f-display: "Cormorant Garamond", "EB Garamond", Georgia, serif;
  --f-body:    "Manrope", -apple-system, "Segoe UI", sans-serif;

  /* Layout */
  --maxw: 1180px;
  --pad-x: clamp(20px, 5vw, 56px);
  --radius: 4px;

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--c-cream);
  color: var(--c-text);
  font-family: var(--f-body);
  font-size: 17px;
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
em { font-style: italic; }

/* ============================================================
   Typography
   ============================================================ */

.display {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(36px, 5.4vw, 64px);
  line-height: 1.05;
  letter-spacing: -0.01em;
  color: var(--c-purple-deep);
  margin: 0 0 24px;
}
.display em {
  color: var(--c-terracotta);
  font-style: italic;
  font-weight: 400;
}

h2.display { font-size: clamp(32px, 4.4vw, 52px); }
h3 {
  font-family: var(--f-display);
  font-weight: 500;
  font-size: 26px;
  letter-spacing: -0.005em;
  margin: 0 0 12px;
  color: var(--c-purple-deep);
}

.lede {
  font-size: clamp(17px, 1.4vw, 19px);
  line-height: 1.6;
  color: var(--c-text-soft);
  max-width: 60ch;
  margin: 0 0 32px;
}
.lede--center { margin-left: auto; margin-right: auto; text-align: center; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  font-size: 11px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--c-terracotta);
  margin-bottom: 20px;
}
.eyebrow .rule {
  width: 38px;
  height: 1px;
  background: var(--c-terracotta);
  display: inline-block;
}
.eyebrow--light { color: var(--c-terracotta-soft); }
.eyebrow--light .rule { background: var(--c-terracotta-soft); }

/* ============================================================
   Buttons
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 28px;
  font-family: var(--f-body);
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.01em;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), box-shadow .25s var(--ease);
  text-decoration: none;
  line-height: 1;
}
.btn--primary {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  border-color: var(--c-purple-deep);
  box-shadow: 0 1px 0 rgba(0,0,0,.04);
}
.btn--primary:hover {
  background: var(--c-purple-matte);
  border-color: var(--c-purple-matte);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px -8px rgba(45,42,62,.4);
}
.btn--ghost {
  background: transparent;
  color: var(--c-purple-deep);
  border-color: var(--c-border);
}
.btn--ghost:hover {
  border-color: var(--c-purple-deep);
  background: var(--c-cream-deep);
}
.btn--ghost.btn--light {
  color: var(--c-cream);
  border-color: rgba(250,248,245,.3);
}
.btn--ghost.btn--light:hover {
  background: rgba(250,248,245,.08);
  border-color: var(--c-cream);
}
.btn--block { width: 100%; justify-content: center; padding: 18px 28px; font-size: 16px; }

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
  margin: 8px 0 32px;
}
.cta-row--center { justify-content: center; }

/* ============================================================
   Top bar
   ============================================================ */

.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250, 248, 245, 0.85);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--c-border);
}
.topbar__inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 14px var(--pad-x);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 32px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand__mark { width: 38px; height: auto; }
.brand__lockup {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.brand__name {
  font-family: var(--f-display);
  font-size: 18px;
  font-weight: 500;
  color: var(--c-purple-deep);
  letter-spacing: 0.04em;
}
.brand__name span {
  color: var(--c-purple-matte);
  margin-left: 4px;
}
.brand__tag {
  font-size: 9.5px;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--c-terracotta);
  margin-top: 4px;
  font-weight: 600;
}

.nav {
  display: flex;
  justify-content: center;
  gap: 36px;
}
.nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--c-text);
  letter-spacing: 0.01em;
  position: relative;
  padding: 6px 0;
  transition: color .2s var(--ease);
}
.nav a:hover { color: var(--c-purple-matte); }
.nav a::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 1px;
  background: var(--c-terracotta);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s var(--ease);
}
.nav a:hover::after { transform: scaleX(1); }

.phone-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: var(--c-purple-deep);
  color: var(--c-cream);
  border-radius: 99px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition: background .2s var(--ease);
}
.phone-pill:hover { background: var(--c-purple-matte); }

.nav__toggle {
  display: none;
  background: transparent;
  border: 0;
  padding: 10px;
  cursor: pointer;
  flex-direction: column;
  gap: 4px;
}
.nav__toggle span {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--c-purple-deep);
}

/* ============================================================
   Hero
   ============================================================ */

.hero {
  position: relative;
  overflow: hidden;
  background: var(--c-cream);
}
.hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(60% 40% at 100% 0%, rgba(212,145,92,.10), transparent 60%),
    radial-gradient(50% 50% at 0% 100%, rgba(107,91,149,.08), transparent 60%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: clamp(56px, 9vw, 120px) var(--pad-x);
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero__copy { animation: rise .8s var(--ease) both; }
.hero__copy .display { animation: rise .9s .05s var(--ease) both; }
.hero__copy .lede { animation: rise .9s .15s var(--ease) both; }
.hero__copy .cta-row { animation: rise .9s .25s var(--ease) both; }
.hero__copy .trust { animation: rise .9s .35s var(--ease) both; }

@keyframes rise {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: none; }
}

.trust {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 28px;
}
.trust li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--c-text-soft);
  font-weight: 500;
}
.trust li span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 99px;
  background: var(--c-terracotta);
  color: var(--c-cream);
  font-size: 11px;
}

.hero__phone-line {
  margin-top: 20px;
  font-size: 14px;
  color: var(--c-text-soft);
  font-weight: 500;
}

.hero__phone-line a {
  color: var(--c-purple-deep);
  border-bottom: 1px dotted var(--c-purple-mist);
  transition: color .2s var(--ease), border-color .2s var(--ease);
}

.hero__phone-line a:hover {
  color: var(--c-terracotta);
  border-bottom-color: var(--c-terracotta);
}

.hero__phone-line strong {
  font-weight: 600;
}

.hero__crest {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: fadeIn 1.2s .3s var(--ease) both;
}
.hero__crest img {
  max-width: 360px;
  width: 80%;
  filter: drop-shadow(0 30px 60px rgba(45,42,62,.18));
}
.hero__crest::before {
  content: '';
  position: absolute;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,145,92,.14), transparent 70%);
  z-index: 0;
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

/* ============================================================
   Tagline band
   ============================================================ */

.band {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  padding: 22px var(--pad-x);
}
.band__inner {
  max-width: var(--maxw);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
}
.band__text {
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(15px, 1.5vw, 19px);
  letter-spacing: 0.08em;
  color: var(--c-terracotta-soft);
  text-align: center;
}
.band__rule {
  flex: 1;
  height: 1px;
  background: linear-gradient(to right, transparent, var(--c-terracotta-soft), transparent);
  max-width: 200px;
}

/* ============================================================
   Section base
   ============================================================ */

.section {
  padding: clamp(80px, 10vw, 140px) var(--pad-x);
  max-width: var(--maxw);
  margin: 0 auto;
}
.section__head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}
.section__head .eyebrow { justify-content: center; }
.section__head--light .display { color: var(--c-cream); }
.section__head--light .lede { color: rgba(250,248,245,.7); }

/* ============================================================
   Cards (Coverage)
   ============================================================ */

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  padding: 40px 32px;
  position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
  display: flex;
  flex-direction: column;
}
.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--c-terracotta);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .5s var(--ease);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 24px 60px -20px rgba(45,42,62,.18);
  border-color: transparent;
}
.card:hover::before { transform: scaleX(1); }
.card--accent { background: var(--c-cream-deep); }

.card__icon {
  width: 56px;
  height: 56px;
  border-radius: 99px;
  background: var(--c-cream-deep);
  color: var(--c-purple-deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}
.card--accent .card__icon { background: var(--c-white); color: var(--c-terracotta); }
.card__icon svg { width: 28px; height: 28px; }

.card p {
  color: var(--c-text-soft);
  margin: 0 0 24px;
  flex: 1;
}
.card__link {
  display: inline-block;
  font-size: 14px;
  font-weight: 600;
  color: var(--c-purple-deep);
  letter-spacing: 0.01em;
  transition: color .2s var(--ease), transform .2s var(--ease);
}
.card:hover .card__link {
  color: var(--c-terracotta);
  transform: translateX(4px);
}

/* ============================================================
   How it works (dark)
   ============================================================ */

.section--dark {
  background: var(--c-purple-deep);
  max-width: none;
  margin: 0;
  position: relative;
  overflow: hidden;
}
.section--dark::after {
  content: '';
  position: absolute;
  bottom: -40%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,145,92,.08), transparent 70%);
  pointer-events: none;
}
.steps {
  list-style: none;
  padding: 0;
  margin: 0;
  max-width: var(--maxw);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  position: relative;
}
.step {
  position: relative;
  color: var(--c-cream);
  padding-top: 56px;
}
.step__num {
  font-family: var(--f-display);
  font-size: 64px;
  font-weight: 300;
  color: var(--c-terracotta);
  line-height: 1;
  position: absolute;
  top: 0; left: 0;
  font-feature-settings: "lnum";
}
.step h3 { color: var(--c-cream); margin-bottom: 12px; }
.step p { color: rgba(250,248,245,.7); margin: 0; }

/* ============================================================
   Why us
   ============================================================ */

.section--why { background: var(--c-cream); }
.why__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 80px;
  align-items: start;
  max-width: var(--maxw);
  margin: 0 auto;
}
.why__copy { position: sticky; top: 120px; }
.why__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
}
.why__list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  padding: 32px 0;
  border-top: 1px solid var(--c-border);
  align-items: start;
}
.why__list li:last-child { border-bottom: 1px solid var(--c-border); }
.why__num {
  font-family: var(--f-display);
  font-size: 24px;
  color: var(--c-terracotta);
  font-weight: 400;
  font-feature-settings: "lnum";
  padding-top: 4px;
}
.why__list h4 {
  font-family: var(--f-display);
  font-size: 22px;
  font-weight: 500;
  margin: 0 0 6px;
  color: var(--c-purple-deep);
}
.why__list p {
  margin: 0;
  color: var(--c-text-soft);
  font-size: 16px;
}

/* ============================================================
   Quote form
   ============================================================ */

.section--quote {
  background: var(--c-cream-deep);
  max-width: none;
  margin: 0;
  position: relative;
}
.quote__grid {
  max-width: var(--maxw);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 72px;
  align-items: start;
}
.quote__copy { padding-top: 12px; }
.quote__contact {
  margin-top: 32px;
  padding: 24px 28px;
  background: var(--c-white);
  border-left: 3px solid var(--c-terracotta);
  border-radius: 0 var(--radius) var(--radius) 0;
}
.quote__contact p { margin: 0; }
.quote__contact strong { color: var(--c-purple-deep); font-weight: 700; }
.phone-big {
  display: inline-block;
  font-family: var(--f-display);
  font-size: 32px;
  color: var(--c-purple-deep);
  font-weight: 500;
  margin: 4px 0;
  transition: color .2s var(--ease);
}
.phone-big:hover { color: var(--c-terracotta); }
.quote__hours {
  font-size: 13px;
  color: var(--c-text-mute);
  margin-top: 4px !important;
  line-height: 1.5;
}

.quote-form {
  background: var(--c-white);
  padding: 40px;
  border-radius: var(--radius);
  box-shadow: 0 24px 80px -32px rgba(45,42,62,.2);
}
.field { display: flex; flex-direction: column; margin-bottom: 20px; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.field label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--c-purple-deep);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.field input,
.field select {
  font-family: var(--f-body);
  font-size: 16px;
  padding: 14px 16px;
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  background: var(--c-cream);
  color: var(--c-text);
  transition: border-color .2s var(--ease), background .2s var(--ease), box-shadow .2s var(--ease);
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--c-purple-matte);
  background: var(--c-white);
  box-shadow: 0 0 0 3px rgba(107,91,149,.12);
}
.field select { cursor: pointer; }

.checkbox {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 12px;
  align-items: start;
  font-size: 13px;
  color: var(--c-text-soft);
  margin: 24px 0;
  line-height: 1.5;
  cursor: pointer;
}
.checkbox input {
  margin-top: 3px;
  accent-color: var(--c-purple-deep);
  width: 16px;
  height: 16px;
}

.form-msg {
  margin: 16px 0 0;
  font-size: 14px;
  font-weight: 500;
  min-height: 20px;
  text-align: center;
}
.form-msg.success { color: #2D7A4A; }
.form-msg.error { color: #B0413E; }

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

.section--faq { background: var(--c-cream); }
.faq {
  max-width: 800px;
  margin: 0 auto;
}
.faq details {
  border-bottom: 1px solid var(--c-border);
  padding: 24px 0;
  transition: padding .3s var(--ease);
}
.faq details[open] { padding-bottom: 32px; }
.faq summary {
  font-family: var(--f-display);
  font-size: 22px;
  font-weight: 500;
  color: var(--c-purple-deep);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 4px 0;
  transition: color .2s var(--ease);
}
.faq summary:hover { color: var(--c-terracotta); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  font-family: var(--f-display);
  font-size: 32px;
  font-weight: 300;
  color: var(--c-terracotta);
  transition: transform .3s var(--ease);
  line-height: 1;
}
.faq details[open] summary::after { transform: rotate(45deg); }
.faq p {
  margin: 16px 0 0;
  color: var(--c-text-soft);
  font-size: 16px;
  line-height: 1.7;
  max-width: 65ch;
}

/* ============================================================
   CTA band
   ============================================================ */

.cta-band {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  text-align: center;
  padding: clamp(64px, 8vw, 100px) var(--pad-x);
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(60% 80% at 50% 0%, rgba(212,145,92,.14), transparent 70%);
  pointer-events: none;
}
.cta-band__inner {
  position: relative;
  max-width: 800px;
  margin: 0 auto;
}
.cta-band .display {
  color: var(--c-cream);
  margin-bottom: 32px;
}

/* ============================================================
   Footer
   ============================================================ */

.footer {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  padding: 64px var(--pad-x) 32px;
  border-top: 1px solid rgba(250,248,245,.08);
}
.footer__inner {
  max-width: var(--maxw);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 64px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(250,248,245,.1);
}
.footer__brand img {
  width: 100px;
  filter: brightness(0) invert(1);
  opacity: 0.95;
  margin-bottom: 12px;
}
.footer__tag {
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--c-terracotta-soft);
  font-weight: 600;
  margin: 0;
}

.footer__cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.footer__col h5 {
  font-family: var(--f-body);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--c-terracotta-soft);
  margin: 0 0 16px;
  font-weight: 600;
}
.footer__col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__col a {
  font-size: 15px;
  color: rgba(250,248,245,.75);
  transition: color .2s var(--ease);
}
.footer__col a:hover { color: var(--c-cream); }

.footer__legal {
  max-width: var(--maxw);
  margin: 32px auto 0;
  font-size: 13px;
  color: rgba(250,248,245,.55);
  line-height: 1.6;
}
.footer__legal p { margin: 0 0 12px; }
.footer__legal .disclaimer { font-size: 11px; line-height: 1.7; }

/* ============================================================
   Responsive
   ============================================================ */

@media (max-width: 920px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; }
  .hero__crest { order: -1; }
  .hero__crest img { max-width: 200px; }
  .hero__crest::before { width: 200px; height: 200px; }
  .cards { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 56px; }
  .why__grid { grid-template-columns: 1fr; gap: 32px; }
  .why__copy { position: static; }
  .quote__grid { grid-template-columns: 1fr; gap: 40px; }
  .footer__inner { grid-template-columns: 1fr; gap: 40px; }
  .nav { display: none; }
  .topbar__inner { grid-template-columns: 1fr auto auto; gap: 12px; }
}

@media (max-width: 560px) {
  body { font-size: 16px; }
  .brand__lockup { display: none; }
  .brand__mark { width: 44px; }
  .phone-pill span { display: none; }
  .phone-pill { padding: 10px; }
  .section { padding: 64px var(--pad-x); }
  .quote-form { padding: 28px 24px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .footer__cols { grid-template-columns: 1fr 1fr; }
  .band__inner { gap: 14px; }
  .band__rule { max-width: 40px; }
  .why__list li { grid-template-columns: 1fr; gap: 6px; }
  .why__num { padding-top: 0; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* ============================================================
   Medicare gap section — stats
   ============================================================ */

.section--gap { background: var(--c-cream); }

.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 48px;
}

.stat {
  padding: 40px 32px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.stat:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 48px -16px rgba(45,42,62,.16);
}
.stat--accent {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  border-color: var(--c-purple-deep);
}

.stat__num {
  font-family: var(--f-display);
  font-size: clamp(44px, 5vw, 60px);
  font-weight: 400;
  line-height: 1;
  color: var(--c-purple-deep);
  margin-bottom: 16px;
  font-feature-settings: "lnum";
  letter-spacing: -0.01em;
}
.stat__num span {
  font-size: 0.45em;
  color: var(--c-terracotta);
  margin-left: 2px;
  font-style: italic;
}
.stat--accent .stat__num { color: var(--c-terracotta); }
.stat--accent .stat__num span { color: var(--c-cream); }

.stat__label {
  font-size: 15px;
  line-height: 1.55;
  color: var(--c-text-soft);
}
.stat--accent .stat__label { color: rgba(250, 248, 245, 0.85); }

.gap__note {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(18px, 1.7vw, 22px);
  line-height: 1.55;
  color: var(--c-purple-matte);
}

/* ============================================================
   Card improvements — bullet list inside cards
   ============================================================ */

.card__list {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.card__list li {
  font-size: 14px;
  color: var(--c-text-soft);
  padding-left: 22px;
  position: relative;
  line-height: 1.5;
}
.card__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 12px;
  height: 1px;
  background: var(--c-terracotta);
}

.card p strong {
  color: var(--c-purple-deep);
  font-weight: 700;
}

.coverage__disclaimer {
  margin-top: 48px;
  text-align: center;
  font-size: 13px;
  color: var(--c-text-mute);
  line-height: 1.6;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  font-style: italic;
}

/* ============================================================
   Quote form — extra email line
   ============================================================ */

.quote__email {
  margin-top: 14px !important;
  font-size: 14px;
  color: var(--c-text-soft);
}
.quote__email a {
  color: var(--c-purple-matte);
  border-bottom: 1px dotted var(--c-purple-mist);
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.quote__email a:hover {
  color: var(--c-terracotta);
  border-bottom-color: var(--c-terracotta);
}

/* ============================================================
   CTA band — sub copy
   ============================================================ */

.cta-band__sub {
  font-size: clamp(16px, 1.4vw, 18px);
  line-height: 1.6;
  color: rgba(250, 248, 245, 0.75);
  max-width: 540px;
  margin: 0 auto 36px;
}

/* ============================================================
   Footer disclaimer strong
   ============================================================ */

.footer__legal .disclaimer strong {
  color: var(--c-terracotta-soft);
  font-weight: 700;
}

/* ============================================================
   Responsive — new sections
   ============================================================ */

@media (max-width: 920px) {
  .stats { grid-template-columns: 1fr; }
  .stat { padding: 32px 28px; }
}

@media (max-width: 560px) {
  .stat__num { font-size: 42px; }
  .gap__note { font-size: 17px; }
}

/* ============================================================
   Quote form — polished success state
   ============================================================ */

.quote-success {
  background: var(--c-white);
  padding: 56px 48px;
  border-radius: var(--radius);
  box-shadow: 0 24px 80px -32px rgba(45, 42, 62, 0.22);
  text-align: center;
  position: relative;
  overflow: hidden;
  animation: success-rise .65s cubic-bezier(.2, .7, .2, 1) both;
}

.quote-success::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--c-purple-deep), var(--c-terracotta), var(--c-purple-matte));
}

@keyframes success-rise {
  from { opacity: 0; transform: translateY(20px) scale(0.98); }
  to { opacity: 1; transform: none; }
}

.quote-success__icon {
  width: 76px;
  height: 76px;
  margin: 0 auto 28px;
  border-radius: 999px;
  background: var(--c-purple-deep);
  color: var(--c-terracotta);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 16px 40px -12px rgba(45, 42, 62, 0.4);
  animation: success-pop .7s .15s cubic-bezier(.2, .9, .3, 1.3) both;
}

.quote-success__icon svg {
  width: 38px;
  height: 38px;
}

@keyframes success-pop {
  0%   { opacity: 0; transform: scale(0.5); }
  60%  { opacity: 1; transform: scale(1.08); }
  100% { opacity: 1; transform: scale(1); }
}

.quote-success__title {
  font-family: var(--f-display);
  font-size: clamp(28px, 3vw, 36px);
  font-weight: 500;
  color: var(--c-purple-deep);
  margin: 0 0 16px;
  letter-spacing: -0.005em;
  line-height: 1.15;
}

.quote-success__lede {
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-text-soft);
  max-width: 44ch;
  margin: 0 auto 32px;
}

.quote-success__lede strong {
  color: var(--c-purple-deep);
  font-weight: 600;
}

.quote-success__divider {
  width: 48px;
  height: 1px;
  background: var(--c-terracotta);
  margin: 0 auto 28px;
  opacity: 0.6;
}

.quote-success__hint {
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  margin: 0 0 12px;
  font-weight: 600;
}

.quote-success__phone {
  display: inline-block;
  font-family: var(--f-display);
  font-size: clamp(30px, 3.4vw, 38px);
  font-weight: 500;
  color: var(--c-purple-deep);
  letter-spacing: -0.005em;
  margin: 0 0 12px;
  transition: color .2s var(--ease);
}

.quote-success__phone:hover {
  color: var(--c-terracotta);
}

.quote-success__hours {
  font-size: 13px;
  color: var(--c-text-mute);
  margin: 0;
  line-height: 1.5;
}

@media (max-width: 560px) {
  .quote-success { padding: 40px 28px; }
  .quote-success__icon { width: 64px; height: 64px; }
  .quote-success__icon svg { width: 30px; height: 30px; }
}

/* ============================================================
   The math — premium minus Rx benefit (headline section)
   ============================================================ */

.section--math {
  background: var(--c-cream-deep);
  max-width: none;
  margin: 0;
  position: relative;
  overflow: hidden;
}

.section--math::before {
  content: '';
  position: absolute;
  top: -10%;
  left: -10%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,145,92,.08), transparent 70%);
  pointer-events: none;
}

.section--math::after {
  content: '';
  position: absolute;
  bottom: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(107,91,149,.06), transparent 70%);
  pointer-events: none;
}

.section--math .section__head,
.section--math .math__board,
.section--math .math__story,
.section--math .math__cta,
.section--math .math__disclaimer {
  position: relative;
  z-index: 1;
  max-width: var(--maxw);
  margin-left: auto;
  margin-right: auto;
}

.math__cta {
  text-align: center;
  margin: 0 auto 36px;
}

.math__board {
  max-width: 1000px;
  margin: 0 auto 48px;
  padding: 56px 40px;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 80px -40px rgba(45,42,62,.2);
}

.math__board::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--c-purple-deep), var(--c-terracotta), var(--c-purple-deep));
}

.math__row {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 20px;
}

.math__item {
  text-align: center;
  padding: 8px;
}

.math__item--final {
  position: relative;
}

.math__item--final::before {
  content: '';
  position: absolute;
  inset: -20px -16px;
  background: var(--c-cream-deep);
  border-radius: var(--radius);
  z-index: 0;
}

.math__item--final > * {
  position: relative;
  z-index: 1;
}

.math__label {
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--c-text-mute);
  margin-bottom: 14px;
}

.math__value {
  font-family: var(--f-display);
  font-size: clamp(48px, 6vw, 76px);
  font-weight: 400;
  line-height: 1;
  color: var(--c-purple-deep);
  letter-spacing: -0.015em;
  font-feature-settings: "lnum";
}

.math__value--accent {
  color: var(--c-terracotta);
}

.math__unit {
  font-size: 0.4em;
  color: var(--c-text-mute);
  font-style: italic;
  margin-left: 4px;
  vertical-align: 0.2em;
  font-weight: 400;
}

.math__item--final .math__value {
  color: var(--c-purple-deep);
}

.math__caption {
  font-size: 13px;
  color: var(--c-text-soft);
  margin-top: 12px;
  line-height: 1.45;
  max-width: 22ch;
  margin-left: auto;
  margin-right: auto;
}

.math__caption strong {
  color: var(--c-purple-deep);
  font-weight: 700;
}

.math__op {
  font-family: var(--f-display);
  font-size: 56px;
  font-weight: 300;
  color: var(--c-purple-mist);
  line-height: 1;
  padding-top: 24px;
}

.math__story {
  max-width: 700px;
  margin: 0 auto 40px;
  text-align: center;
}

.math__story p {
  font-size: 17px;
  line-height: 1.7;
  color: var(--c-text-soft);
  margin: 0 0 16px;
}

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

.math__story strong {
  color: var(--c-purple-deep);
  font-weight: 600;
}

.math__disclaimer {
  text-align: center;
  font-size: 13px;
  color: var(--c-text-mute);
  line-height: 1.6;
  max-width: 720px;
  margin: 0 auto;
  font-style: italic;
}

/* ============================================================
   Testimonials
   ============================================================ */

.section--testimonials {
  background: var(--c-cream-deep);
  max-width: none;
  margin: 0;
}

.section--testimonials .section__head {
  max-width: 720px;
  margin: 0 auto 64px;
}

.testimonials {
  max-width: 1100px;
  margin: 0 auto 48px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.testimonial {
  background: var(--c-white);
  padding: 44px 40px 36px;
  border-radius: var(--radius);
  border: 1px solid var(--c-border);
  position: relative;
  margin: 0;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}

.testimonial:hover {
  transform: translateY(-3px);
  box-shadow: 0 24px 56px -20px rgba(45,42,62,.16);
}

.testimonial--accent {
  background: var(--c-purple-deep);
  color: var(--c-cream);
  border-color: var(--c-purple-deep);
}

.testimonial__quote {
  position: absolute;
  top: 8px;
  left: 28px;
  font-family: var(--f-display);
  font-size: 100px;
  font-style: italic;
  color: var(--c-terracotta);
  opacity: 0.25;
  line-height: 1;
  font-weight: 400;
  pointer-events: none;
}

.testimonial--accent .testimonial__quote {
  color: var(--c-terracotta);
  opacity: 0.6;
}

.testimonial blockquote {
  font-family: var(--f-display);
  font-size: 19px;
  line-height: 1.55;
  font-weight: 400;
  font-style: italic;
  color: var(--c-purple-deep);
  margin: 0 0 28px;
  position: relative;
  z-index: 1;
  letter-spacing: -0.005em;
}

.testimonial--accent blockquote {
  color: var(--c-cream);
}

.testimonial figcaption {
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding-top: 20px;
  border-top: 1px solid var(--c-border);
}

.testimonial--accent figcaption {
  border-top-color: rgba(250, 248, 245, 0.15);
}

.testimonial__name {
  font-family: var(--f-body);
  font-size: 15px;
  font-weight: 700;
  color: var(--c-purple-deep);
  letter-spacing: 0.01em;
}

.testimonial--accent .testimonial__name {
  color: var(--c-cream);
}

.testimonial__meta {
  font-size: 13px;
  color: var(--c-text-soft);
  font-weight: 500;
}

.testimonial--accent .testimonial__meta {
  color: rgba(250, 248, 245, 0.7);
}

.testimonial__tag {
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--c-text-mute);
  font-weight: 600;
  margin-top: 6px;
  font-style: italic;
}

.testimonial--accent .testimonial__tag {
  color: rgba(250, 248, 245, 0.5);
}

.testimonials__disclaimer {
  text-align: center;
  font-size: 13px;
  color: var(--c-text-mute);
  line-height: 1.6;
  max-width: 720px;
  margin: 0 auto;
  font-style: italic;
}

/* ============================================================
   Responsive — new sections
   ============================================================ */

@media (max-width: 920px) {
  .math__board { padding: 40px 24px; }
  .math__row {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .math__op {
    transform: rotate(90deg);
    padding: 0;
    font-size: 40px;
  }
  .math__item--final::before {
    inset: -16px -12px;
  }
  .testimonials {
    grid-template-columns: 1fr;
    gap: 20px;
  }
}

@media (max-width: 560px) {
  .math__value { font-size: 44px; }
  .math__board { padding: 32px 20px; }
  .testimonial { padding: 36px 28px 28px; }
  .testimonial blockquote { font-size: 17px; }
  .testimonial__quote { font-size: 80px; top: 4px; left: 18px; }
}