/* ============================================================
   VeteranPolicyQuotes.com - Design System
   Theme: custom-military | Palette: Navy / Gold / White
   ============================================================ */

/* 1. CSS Custom Properties */
:root {
  --navy:        #1B2A4A;
  --navy-light:  #243B5E;
  --navy-dark:   #111E35;
  --gold:        #C5A55A;
  --gold-light:  #D4AF6A;
  --gold-muted:  #9A7D42;
  --white:       #FFFFFF;
  --off-white:   #F4F6F9;
  --text-muted:  #A8B8D0;
  --success:     #2ECC71;
  --danger:      #E74C3C;

  --font-heading: 'Oswald', sans-serif;
  --font-body:    'Inter', sans-serif;

  --h1: clamp(1.8rem, 4vw, 2.5rem);
  --h2: clamp(1.4rem, 3vw, 1.75rem);
  --h3: 1.25rem;
  --body: 1rem;
  --small: 0.875rem;

  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;

  --radius-sm: 4px;
  --radius-md: 8px;
  --shadow: 0 2px 12px rgba(0,0,0,0.3);
  --transition: 0.2s ease;

  --container: 1200px;
  --container-narrow: 800px;
  --gap: 1.5rem;
}

/* 2. Reset + Base */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  font-size: var(--body);
  line-height: 1.6;
  background: var(--off-white);
  color: var(--navy);
}

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

img, svg {
  display: block;
  max-width: 100%;
}

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

a:hover {
  color: var(--gold-light);
}

ul, ol {
  list-style: none;
}

/* 3. Typography */
@import url('https://fonts.googleapis.com/css2?family=Oswald:wght@400;600;700&family=Inter:wght@400;500;600&display=swap');

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  line-height: 1.2;
}

h1 { font-size: var(--h1); font-weight: 700; }
h2 { font-size: var(--h2); font-weight: 600; }
h3 { font-size: var(--h3); font-weight: 400; }

p { margin-bottom: var(--space-4); }
p:last-child { margin-bottom: 0; }

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

/* 4. Layout Utilities */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--space-5);
}

.container--narrow {
  max-width: var(--container-narrow);
  margin: 0 auto;
  padding: 0 var(--space-5);
}

.section {
  padding: var(--space-7) 0;
}

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

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

.section--light {
  background: var(--off-white);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

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

@media (min-width: 768px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-gap { display: flex; gap: var(--gap); flex-wrap: wrap; }

.text-center { text-align: center; }
.mt-4 { margin-top: var(--space-4); }
.mt-5 { margin-top: var(--space-5); }
.mt-6 { margin-top: var(--space-6); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-5 { margin-bottom: var(--space-5); }

/* 5. Navigation */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: var(--navy-dark);
  border-bottom: 2px solid var(--gold-muted);
  height: 64px;
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav__logo {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0;
}

.nav__logo-veteran { color: var(--white); }
.nav__logo-policy  { color: var(--gold); }
.nav__logo-quotes  { color: var(--text-muted); font-size: 0.9rem; }

.nav__links {
  display: none;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: var(--space-5);
}

.nav__links a {
  color: var(--text-muted);
  font-family: var(--font-heading);
  font-size: var(--small);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: color var(--transition);
  text-decoration: none;
}

.nav__links a:hover,
.nav__links a.active {
  color: var(--gold);
}

.nav__cta {
  display: none;
  font-size: var(--small);
  padding: 8px 16px;
}

.nav__hamburger {
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}

.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: all var(--transition);
}

.nav--open .nav__hamburger span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav--open .nav__hamburger span:nth-child(2) {
  opacity: 0;
}

.nav--open .nav__hamburger span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.nav--open .nav__links {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 64px;
  left: 0;
  right: 0;
  background: var(--navy-dark);
  padding: var(--space-5);
  border-bottom: 2px solid var(--gold-muted);
}

@media (min-width: 1024px) {
  .nav__links { display: flex; }
  .nav__cta   { display: inline-block; }
  .nav__hamburger { display: none; }
  .nav--open .nav__links {
    flex-direction: row;
    position: static;
    background: none;
    padding: 0;
    border: none;
  }
}

/* Page offset for fixed nav */
main { padding-top: 64px; }

/* 6. Footer */
.footer {
  background: var(--navy-dark);
  color: var(--text-muted);
  padding: var(--space-7) 0 0;
  border-top: 2px solid var(--gold-muted);
}

.footer__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  padding-bottom: var(--space-7);
}

@media (min-width: 768px) {
  .footer__inner { grid-template-columns: repeat(3, 1fr); }
}

.footer__col h4 {
  font-family: var(--font-heading);
  color: var(--gold);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-4);
}

.footer__col ul { list-style: none; margin: 0; padding: 0; }

.footer__col li {
  margin-bottom: var(--space-2);
}

.footer__col a {
  color: var(--text-muted);
  font-size: var(--small);
  transition: color var(--transition);
  text-decoration: none;
}

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

.footer__disclosure {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: var(--space-5);
  line-height: 1.5;
  opacity: 0.7;
}

.footer__bottom {
  border-top: 1px solid rgba(197,165,90,0.2);
  padding: var(--space-4) 0;
  text-align: center;
  font-size: 0.75rem;
  color: var(--text-muted);
  opacity: 0.6;
}

/* 7. Buttons */
.btn {
  display: inline-block;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background var(--transition), transform var(--transition), color var(--transition);
  line-height: 1;
  text-align: center;
}

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

.btn--primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy);
  transform: translateY(-1px);
}

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

.btn--outline:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  transform: translateY(-1px);
}

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

.btn--outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-1px);
}

.btn--lg {
  font-size: 1.1rem;
  padding: 18px 36px;
}

.btn--sm {
  font-size: 0.875rem;
  padding: 10px 20px;
}

/* 8. Cards */
.card {
  background: var(--navy-light);
  border: 1px solid rgba(197,165,90,0.15);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  transition: border-color var(--transition), transform var(--transition);
  color: var(--white);
}

.card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.card--light {
  background: var(--white);
  border-color: rgba(27,42,74,0.1);
  color: var(--navy);
}

.card--light:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
}

.card__title {
  font-family: var(--font-heading);
  font-size: var(--h3);
  color: var(--gold);
  margin-bottom: var(--space-3);
}

.card__body {
  font-size: var(--small);
  color: var(--text-muted);
  line-height: 1.6;
}

/* 9. Comparison Tables */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.compare-table th {
  background: var(--navy-dark);
  color: var(--gold);
  font-family: var(--font-heading);
  font-size: var(--small);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: var(--space-4);
  text-align: left;
}

.compare-table th.winner-col {
  background: var(--gold);
  color: var(--navy);
}

.compare-table td {
  padding: var(--space-3) var(--space-4);
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: var(--small);
  color: var(--text-muted);
}

.compare-table tr:nth-child(even) td {
  background: rgba(255,255,255,0.03);
}

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

.compare-table td.feature { color: var(--white); font-weight: 500; }
.compare-table td.winner { color: var(--gold); font-weight: 600; }

/* 10. Star Ratings */
.stars {
  display: inline-flex;
  gap: 2px;
}

.star {
  width: 16px;
  height: 16px;
  fill: var(--gold);
}

.star--empty {
  fill: var(--gold-muted);
  opacity: 0.4;
}

.rating-value {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
}

.rating-label {
  font-size: var(--small);
  color: var(--text-muted);
}

/* 11. Trust Badges */
.trust-bar {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-5);
  align-items: center;
  justify-content: center;
  padding: var(--space-5) 0;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--small);
  color: var(--text-muted);
}

.trust-badge svg {
  width: 20px;
  height: 20px;
  fill: var(--gold);
}

/* 12. Progress Bar (Tool Steps) */
.progress-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: var(--space-6);
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
  flex: 1;
  position: relative;
}

.progress-step::before {
  content: '';
  position: absolute;
  top: 14px;
  left: -50%;
  right: 50%;
  height: 2px;
  background: rgba(197,165,90,0.2);
}

.progress-step:first-child::before { display: none; }

.progress-step.active .step-num,
.progress-step.done .step-num {
  background: var(--gold);
  color: var(--navy);
}

.progress-step.done::before {
  background: var(--gold);
}

.step-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(197,165,90,0.2);
  color: var(--text-muted);
  font-family: var(--font-heading);
  font-size: var(--small);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1;
  position: relative;
}

.step-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-align: center;
}

/* 13. FAQ Accordion */
.faq-list { list-style: none; margin: 0; padding: 0; }

.faq-item {
  border-bottom: 1px solid rgba(197,165,90,0.15);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-4) 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--white);
  transition: color var(--transition);
}

.faq-question:hover { color: var(--gold); }

.faq-icon {
  width: 20px;
  height: 20px;
  min-width: 20px;
  border-radius: 50%;
  border: 2px solid var(--gold-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  transition: transform var(--transition);
}

.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  display: none;
  padding: 0 0 var(--space-4);
  font-size: var(--small);
  color: var(--text-muted);
  line-height: 1.7;
}

.faq-item.open .faq-answer { display: block; }

/* 14. Hero Sections */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  padding: var(--space-9) 0 var(--space-7);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 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='%23C5A55A' 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__eyebrow {
  font-size: var(--small);
  font-family: var(--font-heading);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: var(--space-3);
}

.hero__title {
  font-size: var(--h1);
  font-weight: 700;
  color: var(--white);
  margin-bottom: var(--space-4);
  line-height: 1.1;
}

.hero__title span { color: var(--gold); }

.hero__subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  margin-bottom: var(--space-6);
  max-width: 600px;
}

.hero__ctas {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* 15. Form Elements */
.form-group {
  margin-bottom: var(--space-5);
}

.form-label {
  display: block;
  font-family: var(--font-heading);
  font-size: var(--small);
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-2);
}

.form-input,
.form-select {
  width: 100%;
  padding: 12px 16px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(197,165,90,0.3);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: var(--font-body);
  font-size: var(--body);
  transition: border-color var(--transition);
  appearance: none;
}

.form-input::placeholder { color: var(--text-muted); opacity: 0.6; }

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--gold);
}

.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23C5A55A'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 20px;
  padding-right: 40px;
  cursor: pointer;
}

.form-select option {
  background: var(--navy-dark);
  color: var(--white);
}

.checkbox-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
}

.checkbox-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  cursor: pointer;
}

.checkbox-item input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--gold);
  cursor: pointer;
}

.radio-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.radio-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  cursor: pointer;
  padding: var(--space-3) var(--space-4);
  border: 1px solid rgba(197,165,90,0.2);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition), background var(--transition);
}

.radio-item:hover {
  border-color: var(--gold);
  background: rgba(197,165,90,0.05);
}

.radio-item input[type="radio"] {
  accent-color: var(--gold);
  width: 18px;
  height: 18px;
}

/* 16. Branch Icon Containers */
.branch-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(197,165,90,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid rgba(197,165,90,0.3);
}

.branch-icon img,
.branch-icon svg {
  width: 28px;
  height: 28px;
}

.branch-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-5);
  text-align: center;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  border: 1px solid rgba(197,165,90,0.15);
  transition: border-color var(--transition);
}

.branch-card:hover { border-color: var(--gold); }
.branch-card span { font-size: var(--small); color: var(--text-muted); }

/* 17. Breadcrumb Nav */
.breadcrumb {
  padding: var(--space-3) 0;
  font-size: var(--small);
  color: var(--text-muted);
}

.breadcrumb ol {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  align-items: center;
}

.breadcrumb li + li::before {
  content: '›';
  color: var(--gold-muted);
}

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

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

/* 18. Alert / Verdict Boxes */
.verdict-box {
  border: 2px solid var(--gold);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  background: rgba(197,165,90,0.08);
  margin: var(--space-6) 0;
}

.verdict-box__label {
  font-family: var(--font-heading);
  font-size: var(--small);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: var(--space-2);
}

.verdict-box p {
  font-size: 1.05rem;
  color: var(--white);
  margin: 0;
}

.alert {
  padding: var(--space-4);
  border-radius: var(--radius-sm);
  font-size: var(--small);
  margin-bottom: var(--space-4);
}

.alert--success {
  background: rgba(46,204,113,0.1);
  border: 1px solid rgba(46,204,113,0.3);
  color: var(--success);
}

.alert--danger {
  background: rgba(231,76,60,0.1);
  border: 1px solid rgba(231,76,60,0.3);
  color: var(--danger);
}

/* 19. Responsive Breakpoints */
@media (max-width: 767px) {
  .hide-mobile { display: none !important; }
  .hero { padding: var(--space-7) 0 var(--space-6); }
  .hero__ctas { flex-direction: column; }
  .hero__ctas .btn { width: 100%; text-align: center; }
  .compare-table { font-size: 0.75rem; }
  .compare-table th, .compare-table td { padding: var(--space-2) var(--space-3); }
}

@media (min-width: 768px) {
  .hide-tablet { display: none !important; }
}

@media (min-width: 1024px) {
  .hide-desktop { display: none !important; }
}

/* 20. Utility Classes */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.truncate {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.divider {
  border: none;
  border-top: 1px solid rgba(197,165,90,0.15);
  margin: var(--space-6) 0;
}

/* Insurer logo pills */
.brand-pill {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(197,165,90,0.1);
  border: 1px solid rgba(197,165,90,0.25);
  border-radius: 20px;
  padding: 4px 12px;
  font-family: var(--font-heading);
  font-size: var(--small);
  color: var(--gold);
  text-decoration: none;
  transition: background var(--transition), border-color var(--transition);
}

.brand-pill:hover {
  background: rgba(197,165,90,0.2);
  border-color: var(--gold);
  color: var(--gold);
}

/* Tool page wrapper */
.tool-wrapper {
  max-width: 640px;
  margin: 0 auto;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  padding: var(--space-7);
  box-shadow: var(--shadow);
}

/* Step panels */
.step-panel { display: none; }
.step-panel.active { display: block; }

/* Blurred preview */
.blurred-preview {
  filter: blur(6px);
  pointer-events: none;
  user-select: none;
  position: relative;
}

.gate-overlay {
  position: relative;
}

.gate-overlay::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, transparent 20%, var(--navy-light) 80%);
  z-index: 1;
}

/* Results cards */
.result-card {
  background: var(--navy-dark);
  border: 1px solid rgba(197,165,90,0.2);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  margin-bottom: var(--space-4);
  position: relative;
}

.result-card--top {
  border-color: var(--gold);
}

.result-card__badge {
  position: absolute;
  top: -10px;
  right: var(--space-4);
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-heading);
  font-size: 0.75rem;
  padding: 2px 10px;
  border-radius: 10px;
}

/* Section headers */
.section-header {
  text-align: center;
  margin-bottom: var(--space-7);
}

.section-header h2 {
  color: var(--white);
  margin-bottom: var(--space-3);
}

.section-header p {
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto;
}

.section-header--light h2 { color: var(--navy); }
.section-header--light p  { color: #4b5563; }

/* Pros/cons lists */
.pros-cons {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

@media (min-width: 768px) {
  .pros-cons { grid-template-columns: 1fr 1fr; }
}

.pros-list,
.cons-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.pros-list li,
.cons-list li {
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
  padding: var(--space-2) 0;
  font-size: var(--small);
  color: var(--text-muted);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

.pros-list li::before {
  content: '✓';
  color: var(--success);
  font-weight: 700;
  flex-shrink: 0;
}

.cons-list li::before {
  content: '✗';
  color: var(--danger);
  font-weight: 700;
  flex-shrink: 0;
}

/* Match score badge */
.match-score {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  padding: 4px 12px;
  border-radius: var(--radius-sm);
}

/* State selector */
.state-selector {
  display: flex;
  gap: var(--space-3);
  align-items: center;
  flex-wrap: wrap;
  justify-content: center;
}

.state-selector .form-select {
  max-width: 280px;
}

/* Insurance type grid */
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--gap);
}

@media (min-width: 768px) {
  .insurance-grid { grid-template-columns: repeat(3, 1fr); }
}

.insurance-card {
  background: var(--navy-light);
  border: 1px solid rgba(197,165,90,0.15);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  text-align: center;
  text-decoration: none;
  transition: border-color var(--transition), transform var(--transition);
  display: block;
}

.insurance-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  color: var(--white);
}

.insurance-card__icon {
  width: 48px;
  height: 48px;
  margin: 0 auto var(--space-3);
}

.insurance-card__title {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--white);
}

/* Who we help cards */
.who-card {
  background: var(--navy-light);
  border: 1px solid rgba(197,165,90,0.15);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  text-align: center;
  transition: border-color var(--transition);
}

.who-card:hover { border-color: var(--gold); }

.who-card__icon {
  font-size: 2.5rem;
  margin-bottom: var(--space-3);
}

.who-card__title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--gold);
  margin-bottom: var(--space-2);
}

.who-card__desc {
  font-size: var(--small);
  color: var(--text-muted);
}

/* Compare card in hub pages */
.compare-card {
  background: var(--navy-light);
  border: 1px solid rgba(197,165,90,0.15);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  text-decoration: none;
  display: block;
  transition: border-color var(--transition), transform var(--transition);
}

.compare-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.compare-card__brands {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--white);
  margin-bottom: var(--space-3);
}

.compare-card__winner {
  font-size: var(--small);
  color: var(--gold);
}

.compare-card__winner span {
  color: var(--text-muted);
}