/* ==========================================================================
   MakeMyRates - Modern Canadian Insurance Design System
   Light, Clean, Professional Architecture with Action-Green Accents
   ========================================================================== */

/* ── Reset & Global Variables ─────────────────────────────────────────── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* Restrained Forest Green System (Primary action & conversion color) */
  --green-primary:       #176B4D; /* Deep forest green - primary action */
  --green-hover:         #11523a; /* Darker forest green on hover */
  --green-active:        #0c3d2b; /* Deep active state */
  --green-light:         #E7F2EC; /* Soft sage/mint surface for badges & icon boxes */
  --green-subtle:        #F2F8F5; /* Very subtle light tint */
  --green-border:        #C2DED0; /* Subtle green border */
  --green-accent:        #258a64;

  /* Subtle Trust Accent System (Secondary calm/trust tone) */
  --accent-teal:         #397A83; /* Muted deep blue-teal */
  --accent-teal-light:   #EAF2F3; /* Very soft light blue-teal tint */
  --accent-teal-border:  #C8DCE0; /* Soft teal border */

  /* Warm Light Neutral Canvas (85%+ of website surfaces) */
  --bg-white:            #ffffff; /* Main background & cards */
  --bg-surface:          #ffffff; /* Crisp opaque solid surface */
  --bg-body:             #F7F8F5; /* Warm off-white page canvas */

  --bg-offwhite:         #F7F8F5; /* Maintained for compatibility */
  --bg-subtle:           #EEF1EC; /* Soft warm neutral for alternating sections */
  --border-light:        #DCE4DF; /* Crisp subtle borders */
  --border-medium:       #C8D2CB; /* Form field borders */
  
  /* Text & Typography */
  --text-dark:           #1F2925; /* Deep charcoal - primary text & headings */
  --text-body:           #3D4A44; /* Readable charcoal for paragraphs */
  --text-muted:          #66736D; /* Muted slate for secondary labels & captions */
  --text-white:          #ffffff; /* Text on green buttons */

  /* Footer & Dark Accents */
  --bg-footer:           #141E1A; /* Deep dark slate-forest for footer */
  --text-footer-muted:   #8E9E96; /* Muted slate for footer text */

  /* Fonts */
  --font-sans:           'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-serif:          'Playfair Display', Georgia, 'Times New Roman', serif;

  /* Layout & Geometry */
  --max-width:           1180px;
  --max-reading:         780px;
  --radius-sm:           6px;
  --radius-md:           10px;
  --radius-lg:           16px;
  --radius-full:         9999px;

  /* Shadows */
  --shadow-sm:           0 1px 3px rgba(15, 23, 42, 0.06), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md:           0 4px 12px -2px rgba(15, 23, 42, 0.08), 0 2px 6px -1px rgba(15, 23, 42, 0.04);
  --shadow-lg:           0 12px 28px -4px rgba(15, 23, 42, 0.1), 0 4px 10px -2px rgba(15, 23, 42, 0.04);
  --shadow-green:        0 4px 14px rgba(13, 124, 85, 0.25);

  --transition:          all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  overflow-x: hidden;
  max-width: 100%;
}

body {
  font-family: var(--font-sans);
  color: var(--text-body);
  background-color: var(--bg-body);
  line-height: 1.6;
  font-weight: 400;
  overflow-x: hidden;
  max-width: 100%;
}

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

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

button, input, select, textarea {
  font: inherit;
}

/* ── Container Layouts ────────────────────────────────────────────────── */
.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

@media (max-width: 576px) {
  .wrap {
    padding: 0 16px;
  }
}

.wrap-reading {
  max-width: var(--max-reading);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Typography Utilities ─────────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  color: var(--text-dark);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

h1 {
  font-size: 2.5rem;
}

@media (min-width: 768px) {
  h1 {
    font-size: 3.1rem;
  }
}

h2 {
  font-size: 2rem;
}

@media (min-width: 768px) {
  h2 {
    font-size: 2.4rem;
  }
}

h3 {
  font-size: 1.35rem;
}

h4 {
  font-size: 1.1rem;
}

p {
  margin-bottom: 1rem;
}

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

.text-green {
  color: var(--green-primary);
}

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

/* ── Buttons & CTAs ───────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid transparent;
  white-space: nowrap;
}

/* Green Primary CTA Button (Client-requested Action Element) */
.btn-green, .btn-primary {
  background-color: var(--green-primary);
  color: var(--text-white) !important;
  border-color: var(--green-primary);
  box-shadow: 0 2px 4px rgba(13, 124, 85, 0.15);
}

.btn-green:hover, .btn-primary:hover {
  background-color: var(--green-hover);
  border-color: var(--green-hover);
  box-shadow: var(--shadow-green);
  transform: translateY(-1px);
}

.btn-green:active, .btn-primary:active {
  background-color: var(--green-active);
  transform: translateY(0);
}

/* Secondary & Outline Buttons */
.btn-outline {
  background-color: var(--bg-white);
  color: var(--text-dark);
  border: 1.5px solid var(--border-medium);
}

.btn-outline:hover {
  border-color: var(--green-primary);
  color: var(--green-primary);
  background-color: var(--green-subtle);
}

.btn-secondary {
  background-color: var(--bg-subtle);
  color: var(--text-dark);
  border-color: var(--border-light);
}

.btn-secondary:hover {
  background-color: #e2e8f0;
  color: var(--text-dark);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.85rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  padding: 15px 30px;
  font-size: 1.05rem;
  border-radius: var(--radius-md);
}

.btn-full {
  width: 100%;
}

/* ── Top Utility Strip ────────────────────────────────────────────────── */
.top-strip {
  background-color: var(--bg-offwhite);
  border-bottom: 1px solid var(--border-light);
  font-size: 0.8125rem;
  color: var(--text-muted);
  padding: 7px 0;
}

.top-strip-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.top-strip-left {
  display: flex;
  align-items: center;
  gap: 10px;
}

.trust-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background-color: var(--green-light);
  color: var(--green-primary);
  font-weight: 700;
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.top-strip-contact {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-strip-contact a {
  color: var(--text-dark);
  font-weight: 600;
}

@media (max-width: 640px) {
  .top-strip-left span:not(.trust-badge-pill) {
    display: none;
  }
  .top-strip-contact span {
    display: none;
  }
}

@media (max-width: 440px) {
  .top-strip-inner {
    justify-content: center;
    gap: 8px;
  }
  .top-strip-contact a {
    font-size: 0.75rem;
  }
  .trust-badge-pill {
    font-size: 0.68rem;
    padding: 2px 6px;
  }
}

.top-strip-contact a:hover {
  color: var(--green-primary);
}

/* ── Header & Main Navigation ─────────────────────────────────────────── */
.hdr {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #ffffff !important;
  background: #ffffff !important;
  border-bottom: 1px solid var(--border-light);
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.05);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

/* MakeMyRates Wordmark Logo */
.mark {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.mark-symbol {
  width: 36px;
  height: 36px;
  background-color: var(--green-primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  box-shadow: 0 1px 3px rgba(23, 107, 77, 0.2);
  flex-shrink: 0;
}

.mark-symbol svg {
  width: 20px;
  height: 20px;
}

.mark-text {
  display: flex;
  flex-direction: column;
}

.mark-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.02em;
  line-height: 1.1;
}

.mark-title span {
  color: var(--green-primary);
}

.mark-subtitle {
  font-size: 0.625rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.12em;
}

/* Desktop Menu Links with Dropdown Support */
.menu {
  display: none;
  align-items: center;
  gap: 24px;
  list-style: none;
}

@media (min-width: 992px) {
  .menu {
    display: flex;
  }
}

.menu > li {
  position: relative;
}

.menu a, .menu .nav-dropdown-trigger {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-dark);
  padding: 8px 0;
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
}

.menu a:hover, .menu a.active,
.menu .nav-dropdown-trigger:hover,
.menu li:hover > .nav-dropdown-trigger,
.menu li.open > .nav-dropdown-trigger {
  color: var(--green-primary);
}

.menu .nav-dropdown-trigger svg.chevron {
  transition: transform 0.2s ease;
  color: var(--text-muted);
}

.menu li:hover > .nav-dropdown-trigger svg.chevron,
.menu li.open > .nav-dropdown-trigger svg.chevron {
  transform: rotate(180deg);
  color: var(--green-primary);
}

/* Dropdown Menu Panel */
.nav-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 260px;
  background-color: #ffffff !important;
  background: #ffffff !important;
  border: 1px solid #CFDDD5 !important;
  border-radius: var(--radius-md);
  box-shadow: 0 16px 36px -4px rgba(15, 30, 24, 0.16), 0 6px 14px rgba(15, 30, 24, 0.08) !important;
  padding: 10px;
  display: none !important;
  z-index: 9999 !important;
  list-style: none !important;
  margin: 0;
}

.menu li:hover > .nav-dropdown,
.menu li:focus-within > .nav-dropdown,
.menu li.open > .nav-dropdown {
  display: block !important;
}

.nav-dropdown li {
  list-style: none !important;
  margin: 0;
  padding: 0;
  background: transparent !important;
}

.nav-dropdown a {
  display: block;
  padding: 9px 14px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-dark) !important;
  border-radius: var(--radius-sm);
  background-color: #ffffff;
  transition: background-color 0.15s ease, color 0.15s ease;
  line-height: 1.35;
}

.nav-dropdown a:hover {
  background-color: var(--green-light) !important;
  color: var(--green-primary) !important;
  font-weight: 600;
}

.nav-dropdown a.dropdown-cta {
  margin-top: 6px;
  padding-top: 10px;
  border-top: 1px solid var(--border-light);
  color: var(--green-primary) !important;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-dropdown a.dropdown-cta:hover {
  background-color: var(--green-light) !important;
  color: var(--green-primary) !important;
}


/* Header Actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

@media (max-width: 576px) {
  .nav-actions {
    gap: 8px;
  }
  .nav-actions .btn {
    padding: 7px 12px;
    font-size: 0.8rem;
  }
}

@media (max-width: 480px) {
  .mark-symbol {
    width: 32px;
    height: 32px;
  }
  .mark-symbol svg {
    width: 18px;
    height: 18px;
  }
  .mark-title {
    font-size: 1.125rem;
  }
  .mark-subtitle {
    font-size: 0.55rem;
    letter-spacing: 0.1em;
  }
  .nav-actions {
    gap: 6px;
  }
  .nav-actions .btn {
    padding: 6px 10px;
    font-size: 0.78rem;
  }
  .burger {
    padding: 6px;
  }
  .burger svg {
    width: 20px;
    height: 20px;
  }
}

@media (max-width: 360px) {
  .nav-actions .btn {
    display: none;
  }
}

.hcall {
  display: none;
  flex-direction: column;
  text-align: right;
}

@media (min-width: 1120px) {
  .hcall {
    display: flex;
  }
}

.hcall a {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
}

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

.hcall span {
  font-size: 0.72rem;
  color: var(--text-muted);
}

.burger {
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 8px;
  cursor: pointer;
  color: var(--text-dark);
}

@media (min-width: 992px) {
  .burger {
    display: none;
  }
}

/* ── Mobile Drawer ────────────────────────────────────────────────────── */
.drawer {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.4);
  z-index: 1100;
  display: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease;
}

.drawer.open {
  display: block;
  opacity: 1;
  visibility: visible;
}

.drawer-panel {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 320px;
  max-width: 85vw;
  background-color: var(--bg-white);
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: translateX(100%);
  transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: -4px 0 24px rgba(15, 23, 42, 0.15);
}

.drawer.open .drawer-panel {
  transform: translateX(0);
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border-light);
}

.drawer-close {
  background: transparent;
  border: none;
  font-size: 1.75rem;
  color: var(--text-muted);
  cursor: pointer;
  line-height: 1;
}

.drawer-menu {
  list-style: none;
  padding: 20px 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.drawer-menu a {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-dark);
  display: block;
  padding: 6px 0;
}

.drawer-menu a:hover, .drawer-menu a.active {
  color: var(--green-primary);
}

.drawer-accordion {
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 8px;
}

.drawer-accordion-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-dark);
  padding: 6px 0;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
}

.drawer-accordion-btn svg {
  transition: transform 0.2s ease;
  color: var(--text-muted);
}

.drawer-accordion-btn.open svg {
  transform: rotate(180deg);
  color: var(--green-primary);
}

.drawer-submenu {
  display: none;
  padding: 6px 0 6px 14px;
  list-style: none;
}

.drawer-submenu.open {
  display: block;
}

.drawer-submenu a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-body);
  padding: 5px 0;
}

.drawer-submenu a:hover {
  color: var(--green-primary);
}

.drawer-footer {
  padding-top: 20px;
  border-top: 1px solid var(--border-light);
}

/* ── Light Hero Section ───────────────────────────────────────────────── */
.hero {
  background-color: var(--bg-white);
  border-bottom: 1px solid var(--border-light);
  padding: 56px 0 64px;
}

@media (min-width: 768px) {
  .hero {
    padding: 72px 0 80px;
  }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 48px;
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--green-light);
  color: var(--green-primary);
  font-size: 0.8125rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
  width: fit-content;
  letter-spacing: 0.02em;
}

.hero h1 {
  margin-bottom: 18px;
  color: var(--text-dark);
}

.hero h1 em {
  font-style: normal;
  color: var(--green-primary);
}

.hero-lead {
  font-size: 1.125rem;
  color: var(--text-body);
  margin-bottom: 28px;
  max-width: 600px;
  line-height: 1.65;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

/* ── Hero Quote Intake Card (Clean White Surface) ─────────────────────── */
.hero-form-box {
  width: 100%;
}

.quote-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-md);
}

.quote-card-header {
  margin-bottom: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-light);
}

.quote-card-header h3 {
  font-size: 1.25rem;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.quote-card-header p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 0;
}

/* Multi-Step Wizard Styling */
.progress-bar-wrap {
  height: 5px;
  background-color: var(--bg-subtle);
  border-radius: var(--radius-full);
  margin-bottom: 14px;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  width: 33.333%;
  background-color: var(--green-primary);
  border-radius: var(--radius-full);
  transition: width 0.3s ease;
}

.step-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.step-labels .active-label {
  color: var(--green-primary);
}

.form-step {
  display: none;
  animation: fadeIn 0.2s ease-in-out;
}

.form-step.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Choice Grid (Product Selector) */
.choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 16px;
}

.choice-tile {
  position: relative;
}

.choice-tile input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.choice-tile label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px 10px;
  background-color: var(--bg-offwhite);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.choice-tile input[type="radio"]:checked + label {
  background-color: var(--green-subtle);
  border-color: var(--green-primary);
  color: var(--green-primary);
  box-shadow: 0 1px 3px rgba(13, 124, 85, 0.1);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin-bottom: 16px;
}

@media (min-width: 480px) {
  .form-grid {
    grid-template-columns: 1fr 1fr;
  }
}

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

.field-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.field-group label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--text-dark);
}

.field-group input,
.field-group select,
.field-group textarea {
  padding: 10px 14px;
  background-color: var(--bg-white);
  border: 1.5px solid var(--border-medium);
  border-radius: var(--radius-md);
  color: var(--text-dark);
  font-size: 0.9rem;
  outline: none;
  transition: var(--transition);
}

.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: var(--green-primary);
  box-shadow: 0 0 0 3px rgba(13, 124, 85, 0.12);
}

.consent-box {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 16px;
}

.consent-box input[type="checkbox"] {
  margin-top: 3px;
  accent-color: var(--green-primary);
  width: 16px;
  height: 16px;
  cursor: pointer;
}

.consent-box label {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.45;
  cursor: pointer;
}

.form-nav-buttons {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.form-success {
  text-align: center;
  padding: 24px 12px;
}

.form-success-icon {
  width: 52px;
  height: 52px;
  background-color: var(--green-light);
  color: var(--green-primary);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.form-success h3 {
  font-size: 1.3rem;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.form-success p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.ref-code-badge {
  display: inline-block;
  background-color: var(--bg-subtle);
  border: 1px dashed var(--border-medium);
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  font-family: monospace;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
}

/* ── Trust Bar Strip ──────────────────────────────────────────────────── */
.trust-bar {
  background-color: var(--bg-offwhite);
  border-bottom: 1px solid var(--border-light);
  padding: 24px 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 14px;
}

.trust-icon {
  width: 42px;
  height: 42px;
  background-color: var(--green-light);
  color: var(--green-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-icon svg {
  width: 20px;
  height: 20px;
}

.trust-text {
  display: flex;
  flex-direction: column;
}

.trust-text strong {
  font-size: 0.9rem;
  color: var(--text-dark);
  font-weight: 700;
  line-height: 1.25;
}

.trust-text span {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ── Section Containers & Headers (Visually Compressed) ─────────────── */
.section {
  padding: 48px 0;
  background-color: var(--bg-white);
}

.section-alt {
  background-color: var(--bg-offwhite);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

@media (min-width: 768px) {
  .section {
    padding: 56px 0;
  }
}

.section-head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 32px;
}

.section-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--green-primary);
  margin-bottom: 8px;
}

.section-head h2 {
  margin-bottom: 14px;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ── Primary Product Cards Grid ───────────────────────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 680px) {
  .cards-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 1040px) {
  .cards-grid.cols-3 {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

.card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
  position: relative;
}

.card:hover {
  border-color: var(--green-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.card-icon {
  width: 48px;
  height: 48px;
  background-color: var(--green-light);
  color: var(--green-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card-icon svg {
  width: 24px;
  height: 24px;
}

.card h3 {
  font-size: 1.35rem;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.card p {
  font-size: 0.9375rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.card-features {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.card-features li {
  font-size: 0.85rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 8px;
}

.card-features li svg {
  width: 16px;
  height: 16px;
  color: var(--green-primary);
  flex-shrink: 0;
}

.card-link {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--green-primary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
}

.card-link:hover {
  color: var(--green-hover);
  text-decoration: underline;
}

/* ── "Why MakeMyRates" 3-Column Grid ──────────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}

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

.feature-box {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  text-align: left;
}

.feature-num {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--green-primary);
  margin-bottom: 12px;
  font-family: monospace;
}

.feature-box h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.feature-box p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin-bottom: 0;
}

/* ── Process / "How It Works" 3-Step Timeline ─────────────────────────── */
.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  position: relative;
}

@media (min-width: 768px) {
  .process-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
  }
}

.step-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  position: relative;
  box-shadow: var(--shadow-sm);
}

.step-badge {
  width: 36px;
  height: 36px;
  background-color: var(--green-primary);
  color: #ffffff;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.95rem;
  margin-bottom: 18px;
}

.step-card h3 {
  font-size: 1.18rem;
  margin-bottom: 8px;
}

.step-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.55;
}

/* ── Canada Regional Discovery & Province Navigation ─────────────────── */
.canada-section {
  background-color: var(--bg-white);
  padding: 64px 0;
}

.province-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
  margin-top: 32px;
}

.province-card {
  background-color: var(--bg-white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: var(--transition);
}

.province-card:hover {
  border-color: var(--green-primary);
  background-color: var(--green-subtle);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.province-card strong {
  font-size: 0.95rem;
  color: var(--text-dark);
}

.province-card span {
  font-size: 0.78rem;
  color: var(--green-primary);
  font-weight: 700;
}

/* SVG Canada Map Styles */
.map-container {
  max-width: 840px;
  margin: 0 auto 36px;
  background-color: var(--bg-offwhite);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: center;
}

.map-svg {
  width: 100%;
  height: auto;
  max-height: 420px;
}

.map-svg path {
  fill: #e2e8f0;
  stroke: #ffffff;
  stroke-width: 1.5;
  transition: fill 0.2s ease, stroke 0.2s ease;
  cursor: pointer;
}

.map-svg path:hover, .map-svg path.active-prov {
  fill: #a7f3d0;
  stroke: var(--green-primary);
}

.map-tooltip {
  position: absolute;
  display: none;
  background-color: var(--text-dark);
  color: #ffffff;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  pointer-events: none;
  z-index: 50;
}

/* ── Side-by-Side Coverage Matrix Grid ────────────────────────────────── */
.matrix-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin: 32px 0;
}

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

.matrix-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}

.matrix-card.covered {
  border-top: 4px solid var(--green-primary);
}

.matrix-card.optional {
  border-top: 4px solid #f59e0b; /* Amber alert for optional add-ons */
}

.matrix-card h4 {
  font-size: 1.15rem;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.matrix-card.covered h4 {
  color: var(--green-primary);
}

.matrix-card.optional h4 {
  color: #b45309;
}

.matrix-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.matrix-list li {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.5;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border-light);
}

.matrix-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.matrix-list li strong {
  display: block;
  color: var(--text-dark);
  margin-bottom: 3px;
  font-size: 0.9375rem;
}

/* ── Ways to Save Grid ────────────────────────────────────────────────── */
.savings-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 28px 0;
}

@media (min-width: 680px) {
  .savings-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.savings-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.savings-num {
  font-family: monospace;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--green-primary);
  background-color: var(--green-light);
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.savings-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.savings-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.45;
}

/* Informational Callout Box */
.info-callout {
  background-color: var(--green-subtle);
  border: 1px solid var(--green-border);
  border-left: 4px solid var(--green-primary);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 20px;
  margin: 28px 0;
}

.info-callout-header {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--green-primary);
  margin-bottom: 6px;
}

.info-callout p {
  font-size: 0.9rem;
  color: var(--text-dark);
  margin-bottom: 0;
  line-height: 1.55;
}

/* ── Comparison Table ─────────────────────────────────────────────────── */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  background-color: var(--bg-white);
  margin: 32px 0;
}

table.compare {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.9rem;
}

table.compare th {
  background-color: var(--bg-offwhite);
  padding: 16px 20px;
  color: var(--text-dark);
  font-weight: 700;
  border-bottom: 1px solid var(--border-light);
}

table.compare td {
  padding: 16px 20px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-body);
}

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

table.compare tr:hover td {
  background-color: #fafbfc;
}

/* ── FAQ Accordion ────────────────────────────────────────────────────── */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-list details {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}

.faq-list details[open] {
  border-color: var(--green-primary);
  box-shadow: var(--shadow-sm);
}

.faq-list summary {
  padding: 18px 22px;
  font-weight: 700;
  font-size: 1rem;
  color: var(--text-dark);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--green-primary);
  line-height: 1;
  transition: transform 0.2s ease;
}

.faq-list details[open] summary::after {
  content: '−';
  color: var(--green-primary);
}

.faq-list details p {
  padding: 0 22px 20px;
  font-size: 0.92rem;
  color: var(--text-body);
  line-height: 1.6;
}

/* ── Pre-Footer Conversion Banner (Light Surface + Green CTA) ────────── */
.close-banner {
  background: linear-gradient(135deg, #f8fafc 0%, #f1f5f9 100%);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 72px 0;
  text-align: center;
}

.close-banner h2 {
  font-size: 2.2rem;
  margin-bottom: 14px;
}

.close-banner p {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto 28px;
}

.close-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
}

@media (min-width: 480px) {
  .close-actions {
    flex-direction: row;
    justify-content: center;
  }
}

.close-alt-call {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.close-alt-call a {
  color: var(--text-dark);
  font-weight: 700;
}

.close-alt-call a:hover {
  color: var(--green-primary);
}

/* ── Global Footer (Clean Professional Dark Slate) ────────────────────── */
.ftr {
  background-color: var(--bg-footer);
  color: var(--text-footer-muted);
  padding: 64px 0 32px;
  font-size: 0.88rem;
}

.ftr-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

@media (min-width: 768px) {
  .ftr-grid {
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
  }
}

.ftr-brand p {
  font-size: 0.85rem;
  line-height: 1.6;
  margin-top: 12px;
  color: var(--text-footer-muted);
}

.ftr-col h4 {
  color: #ffffff;
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}

.ftr-col ul {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.ftr-col a {
  color: var(--text-footer-muted);
}

.ftr-col a:hover {
  color: #ffffff;
}

.ftr-legal {
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.78rem;
  line-height: 1.6;
}

.ftr-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
}

/* ── Mobile Sticky Call & Quote Bar ───────────────────────────────────── */
.sticky-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
  border-top: 1px solid var(--border-light);
  padding: 10px 16px;
  z-index: 999;
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.06);
}

@media (min-width: 768px) {
  .sticky-bar {
    display: none;
  }
}

.sticky-bar-inner {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 10px;
}

/* ── Breadcrumb Navigation ────────────────────────────────────────────── */
.breadcrumb {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px;
  font-size: 0.84rem;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.breadcrumb a {
  color: var(--green-primary);
  font-weight: 500;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.breadcrumb span.current {
  color: var(--text-dark);
  font-weight: 600;
}

/* ==========================================================================
   Homepage Redesign Components (Warm Light, Restrained Forest Green, Photography)
   ========================================================================== */

/* ── Hero Split Layout (Integrated Intake + Unobstructed Photo) ────────── */
.hero-home {
  background-color: var(--bg-body);
  border-bottom: 1px solid var(--border-light);
  padding: 48px 0 54px;
}

@media (min-width: 992px) {
  .hero-home {
    padding: 60px 0 68px;
  }
}

.hero-home-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-home-grid {
    grid-template-columns: 1.15fr 1fr;
    gap: 48px;
  }
}

.hero-home-content {
  display: flex;
  flex-direction: column;
}

.hero-home-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--green-light);
  color: var(--green-primary);
  font-size: 0.8125rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
  width: fit-content;
  letter-spacing: 0.02em;
}

.hero-home h1 {
  font-size: 2.15rem;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.18;
  letter-spacing: -0.03em;
  margin-bottom: 14px;
}

@media (min-width: 576px) {
  .hero-home h1 {
    font-size: 2.6rem;
  }
}

@media (min-width: 768px) {
  .hero-home h1 {
    font-size: 3.1rem;
  }
}

.hero-home-lead {
  font-size: 1.05rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 22px;
  max-width: 540px;
}

/* Integrated Hero Intake (In-flow, clean, no dashboard widget feel) */
.hero-intake {
  margin-bottom: 22px;
  max-width: 520px;
}

.hero-intake-label {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}

.hero-choice-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 10px;
}

.choice-toggle-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 14px;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border-light);
  background: var(--bg-white);
  color: var(--text-body);
  cursor: pointer;
  transition: var(--transition);
}

.choice-toggle-btn svg {
  color: var(--text-muted);
  transition: color 0.2s ease;
}

.choice-toggle-btn:hover {
  border-color: var(--green-primary);
  color: var(--green-primary);
}

.choice-toggle-btn:hover svg {
  color: var(--green-primary);
}

.choice-toggle-btn.active {
  border-color: var(--green-primary);
  background-color: var(--green-light);
  color: var(--green-primary);
  font-weight: 700;
  box-shadow: 0 1px 2px rgba(23, 107, 77, 0.08);
}

.choice-toggle-btn.active svg {
  color: var(--green-primary);
}

.hero-intake-form {
  width: 100%;
}

.hero-intake-row {
  display: flex;
  gap: 10px;
  align-items: stretch;
}

@media (max-width: 600px) {
  .hero-choice-toggle {
    grid-template-columns: 1fr 1fr;
    gap: 6px;
  }
  .choice-toggle-btn {
    padding: 10px 8px;
    font-size: 0.82rem;
    gap: 6px;
  }
  .hero-intake-row {
    flex-direction: column;
  }
  .btn-hero-submit {
    width: 100%;
  }
}

.hero-postal-wrap {
  flex: 1;
}

.hero-postal-wrap input {
  width: 100%;
  height: 48px;
  padding: 0 14px;
  font-size: 0.95rem;
  font-weight: 500;
  border: 1.5px solid var(--border-medium);
  border-radius: var(--radius-md);
  background: var(--bg-white);
  color: var(--text-dark);
  transition: var(--transition);
}

.hero-postal-wrap input:focus {
  outline: none;
  border-color: var(--green-primary);
  box-shadow: 0 0 0 3px rgba(23, 107, 77, 0.12);
}

.btn-hero-submit {
  height: 48px;
  padding: 0 24px;
  font-size: 0.95rem;
  font-weight: 700;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

/* Factual, Defensible Trust Checks Under Hero Intake */
.hero-home-checks {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--text-muted);
}

@media (min-width: 576px) {
  .hero-home-checks {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 18px;
  }
}

.hero-home-checks span {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 500;
}

.hero-home-checks svg {
  color: var(--green-primary);
  flex-shrink: 0;
}

/* Right Column: Hero Visual Container (Clean Editorial Photo, No Overlap) */
.hero-home-visual {
  position: relative;
}

.hero-home-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-light);
  background-color: var(--bg-surface);
}

.hero-home-img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  display: block;
}

@media (min-width: 576px) {
  .hero-home-img {
    height: 400px;
  }
}

@media (min-width: 992px) {
  .hero-home-img {
    height: 480px;
  }
}

.hero-photo-tag {
  position: absolute;
  bottom: 14px;
  left: 14px;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(8px);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-full);
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: var(--shadow-sm);
  pointer-events: none;
}

.photo-tag-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background-color: var(--green-primary);
}

/* ── Auto + Home Visual Cards Section ─────────────────────────────────── */
.product-showcase-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  margin-top: 36px;
}

@media (min-width: 768px) {
  .product-showcase-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

.product-showcase-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

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

.product-showcase-img-wrap {
  width: 100%;
  height: 220px;
  position: relative;
  overflow: hidden;
}

.product-showcase-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}

.product-showcase-card:hover .product-showcase-img {
  transform: scale(1.02);
}

.product-showcase-body {
  padding: 24px 28px 28px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.product-showcase-body h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.product-showcase-body p {
  color: var(--text-body);
  font-size: 0.95rem;
  margin-bottom: 20px;
  line-height: 1.55;
}

.product-showcase-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  margin-top: auto;
  padding-top: 12px;
  flex-wrap: wrap;
}

.product-card-link {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: var(--transition);
}

.product-card-link:hover {
  color: var(--green-primary);
  text-decoration: underline;
}

/* ── Bundling Spotlight Banner (Warm Sage, Non-Aggressive) ─────────────── */
.bundle-banner {
  background-color: var(--green-light);
  border: 1px solid var(--green-border);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-start;
  justify-content: space-between;
}

@media (min-width: 768px) {
  .bundle-banner {
    flex-direction: row;
    align-items: center;
    gap: 24px;
  }
}

.bundle-banner-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--green-primary);
  margin-bottom: 4px;
}

.bundle-banner-content h3 {
  font-size: 1.15rem;
  color: var(--text-dark);
  margin-bottom: 4px;
  font-weight: 700;
}

.bundle-banner-content p {
  font-size: 0.88rem;
  color: var(--text-body);
  margin-bottom: 0;
  max-width: 680px;
  line-height: 1.5;
}

.bundle-banner-action .btn-outline {
  background: var(--bg-white);
  border-color: var(--green-primary);
  color: var(--green-primary);
  font-weight: 600;
  white-space: nowrap;
}

.bundle-banner-action .btn-outline:hover {
  background: var(--green-primary);
  color: var(--bg-white);
}

/* ── Broker vs Direct Comparison Section (Visually Compressed) ────────── */
.comparison-section {
  background-color: var(--bg-subtle);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 48px 0;
}

@media (min-width: 768px) {
  .comparison-section {
    padding: 56px 0;
  }
}

.comparison-box {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  box-shadow: var(--shadow-card);
  max-width: 960px;
  margin: 32px auto 0;
}

.comparison-table {
  width: 100%;
  min-width: 520px;
  border-collapse: collapse;
  text-align: left;
}

.comparison-table th,
.comparison-table td {
  padding: 16px 20px;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.9375rem;
}

.comparison-table th {
  background-color: #f4f7f5;
  font-weight: 700;
  color: var(--text-dark);
  font-size: 0.95rem;
}

.comparison-table th.col-broker {
  color: var(--green-primary);
  background-color: var(--green-light);
  width: 32%;
  text-align: center;
}

.comparison-table th.col-direct {
  width: 32%;
  text-align: center;
  color: var(--text-muted);
}

.comparison-table td.col-broker {
  text-align: center;
  background-color: rgba(231, 242, 236, 0.3);
  font-weight: 600;
}

.comparison-table td.col-direct {
  text-align: center;
}

.check-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background-color: var(--green-light);
  color: var(--green-primary);
  font-weight: 700;
  font-size: 0.85rem;
}

.dash-icon {
  color: var(--text-muted);
  font-size: 1.1rem;
}

.comparison-footnote {
  padding: 14px 20px;
  font-size: 0.78rem;
  color: var(--text-muted);
  background-color: #fafbfa;
  border-top: 1px solid var(--border-light);
  margin: 0;
}

/* 2 Model Definition Cards Below Table */
.comparison-defs-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  max-width: 960px;
  margin: 24px auto 0;
}

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

.def-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  box-shadow: var(--shadow-sm);
}

.def-card h4 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--text-dark);
}

.def-card p {
  font-size: 0.875rem;
  color: var(--text-body);
  margin: 0;
  line-height: 1.55;
}

/* ── 3-Step Process (Horizontal Timeline) ─────────────────────────────── */
.timeline-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-top: 40px;
  position: relative;
}

@media (min-width: 768px) {
  .timeline-grid-3 {
    grid-template-columns: 1fr 1fr 1fr;
    gap: 32px;
  }
}

.timeline-step-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  position: relative;
  display: flex;
  flex-direction: column;
}

.step-number-badge {
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--green-primary);
  background-color: var(--green-light);
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.timeline-step-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.timeline-step-card p {
  font-size: 0.9rem;
  color: var(--text-body);
  margin: 0;
  line-height: 1.55;
}

/* ── Why MakeMyRates 4 Pillars (SVG Icon Grid) ───────────────────────── */
.why-icon-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-top: 32px;
}

@media (min-width: 576px) {
  .why-icon-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 992px) {
  .why-icon-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.why-icon-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.why-icon-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-medium);
}

.why-icon-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--green-light);
  color: var(--green-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  flex-shrink: 0;
}

.why-icon-circle svg {
  width: 22px;
  height: 22px;
}

.why-icon-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.why-icon-card p {
  font-size: 0.875rem;
  color: var(--text-body);
  margin: 0;
  line-height: 1.55;
}

/* ── Ontario Regional Section (Clean & Focused) ───────────────────────── */
.ontario-focus-box {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-card);
  margin-top: 36px;
}

.ontario-cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: 24px;
}

@media (min-width: 576px) {
  .ontario-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .ontario-cards-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.ontario-hub-card {
  background: var(--bg-body);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 18px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition);
}

.ontario-hub-card:hover {
  border-color: var(--green-primary);
  background-color: var(--bg-surface);
  box-shadow: var(--shadow-sm);
}

.ontario-hub-card strong {
  color: var(--text-dark);
  font-size: 0.95rem;
  display: block;
  margin-bottom: 4px;
}

.ontario-hub-card span.hub-sub {
  font-size: 0.8rem;
  color: var(--text-muted);
  display: block;
  margin-bottom: 14px;
}

.ontario-hub-card span.hub-link {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--green-primary);
}

/* ── Resource Cards with Imagery (3 Cards) ────────────────────────────── */
.resource-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  margin-top: 36px;
}

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

.resource-card-v2 {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.resource-card-v2:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}

.resource-card-v2 img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.resource-card-v2-body {
  padding: 20px 22px 24px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.resource-card-v2-tag {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--green-primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}

.resource-card-v2 h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
  line-height: 1.35;
}

.resource-card-v2 p {
  font-size: 0.875rem;
  color: var(--text-body);
  margin-bottom: 16px;
  line-height: 1.5;
}

.resource-card-v2 a.card-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--green-primary);
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.resource-card-v2 a.card-link:hover {
  text-decoration: underline;
}

/* ── Final Conversion CTA (Light Sage) ─────────────────────────────────── */
.final-cta-clean {
  background-color: var(--green-light);
  border-top: 1px solid var(--green-border);
  border-bottom: 1px solid var(--green-border);
  padding: 64px 0;
  text-align: center;
}

.final-cta-clean h2 {
  font-size: 2rem;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.final-cta-clean p {
  font-size: 1.05rem;
  color: var(--text-body);
  max-width: 600px;
  margin: 0 auto 28px;
}

.final-cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}