/* ==========================================================================
   MC Life Insurance — MC Financial LLC
   Global stylesheet
   ========================================================================== */

/* ---------- Design tokens ---------- */
:root{
  --navy-900:#061726;
  --navy-800:#0a2540;
  --navy-700:#123a63;
  --navy-600:#1b4e80;
  --navy-100:#e6eef7;
  --navy-50:#f2f7fc;

  --gold-600:#a8801a;
  --gold-500:#c99a22;
  --gold-400:#e0b544;
  --gold-100:#fbf1d8;

  --teal-600:#0f7d76;
  --teal-100:#dff2f0;

  --ink:#101d2b;
  --ink-soft:#41546a;
  --ink-mute:#6c7e93;
  --line:#dde5ee;
  --line-soft:#eef3f8;
  --paper:#ffffff;
  --shell:#f7f9fc;
  --cream:#fdfaf3;

  --ok:#16794f;
  --err:#c0392b;

  --r-sm:8px; --r-md:14px; --r-lg:22px; --r-xl:32px; --r-pill:999px;

  --sh-1:0 1px 2px rgba(10,37,64,.06), 0 2px 8px rgba(10,37,64,.05);
  --sh-2:0 4px 12px rgba(10,37,64,.07), 0 12px 32px rgba(10,37,64,.07);
  --sh-3:0 18px 50px rgba(10,37,64,.14);
  --sh-gold:0 10px 28px rgba(201,154,34,.28);

  --ff-head:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,serif;
  --ff-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --wrap:1180px;
  --nav-h:84px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{
  margin:0;font-family:var(--ff-body);color:var(--ink);background:var(--paper);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img,svg{max-width:100%;display:block}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer;border:0;background:none}
a{color:var(--navy-600);text-decoration:none}
a:hover{color:var(--navy-800)}
h1,h2,h3,h4{font-family:var(--ff-head);font-weight:600;line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em;color:var(--navy-900)}
h1{font-size:clamp(2.35rem,5.2vw,4rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:clamp(1.2rem,2vw,1.5rem)}
h4{font-size:1.05rem;font-family:var(--ff-body);font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1.1em}
ul{margin:0 0 1.1em;padding-left:1.15em}
li{margin-bottom:.4em}
:focus-visible{outline:3px solid var(--gold-400);outline-offset:3px;border-radius:4px}
::selection{background:var(--gold-100);color:var(--navy-900)}

/* ---------- Layout helpers ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:24px}
.wrap-tight{max-width:860px}
.section{padding:clamp(64px,8vw,112px) 0}
.section-sm{padding:clamp(44px,5vw,72px) 0}
.bg-shell{background:var(--shell)}
.bg-cream{background:var(--cream)}
.bg-navy{background:var(--navy-800);color:#e8eff7}
.bg-navy h1,.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.bg-navy p{color:#b9cbdd}
.center{text-align:center}
.grid{display:grid;gap:26px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}.mt-l{margin-top:38px}
.lead{font-size:1.16rem;color:var(--ink-soft);max-width:64ch}
.center .lead{margin-inline:auto}
.bg-navy .lead{color:#b9cbdd}
.muted{color:var(--ink-mute)}
.tiny{font-size:.82rem;line-height:1.6;color:var(--ink-mute)}

/* ---------- Eyebrow / section headers ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;font-size:.74rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600);margin-bottom:14px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold-400);border-radius:2px}
.center .eyebrow{justify-content:center}
.bg-navy .eyebrow,.hero .eyebrow{color:var(--gold-400)}
.sec-head{max-width:720px;margin-bottom:52px}
.center .sec-head{margin-inline:auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:15px 28px;border-radius:var(--r-pill);font-weight:650;font-size:.98rem;
  letter-spacing:-.01em;transition:transform .22s var(--ease),box-shadow .22s var(--ease),background .2s,color .2s,border-color .2s;
  white-space:nowrap;border:1.5px solid transparent;text-align:center;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:linear-gradient(135deg,var(--gold-500),var(--gold-400));color:var(--navy-900);box-shadow:var(--sh-gold)}
.btn-primary:hover{color:var(--navy-900);box-shadow:0 14px 34px rgba(201,154,34,.4)}
.btn-navy{background:var(--navy-800);color:#fff;box-shadow:var(--sh-2)}
.btn-navy:hover{background:var(--navy-700);color:#fff}
.btn-ghost{border-color:var(--line);color:var(--navy-800);background:var(--paper)}
.btn-ghost:hover{border-color:var(--navy-600);background:var(--navy-50);color:var(--navy-800)}
.btn-light{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.34);color:#fff}
.btn-light:hover{background:rgba(255,255,255,.19);color:#fff}
.btn-lg{padding:18px 36px;font-size:1.04rem}
.btn-sm{padding:11px 20px;font-size:.9rem}
.btn-block{width:100%}
.btn[disabled]{opacity:.45;pointer-events:none}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.center .btn-row{justify-content:center}
.arrow{transition:transform .22s var(--ease)}
.btn:hover .arrow,.card-link:hover .arrow{transform:translateX(4px)}

/* ---------- Header / nav ---------- */
.topbar{background:var(--navy-900);color:#c6d6e6;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:40px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
.topbar a:hover{color:var(--gold-400)}
.topbar-links{display:flex;gap:20px;align-items:center}
.site-header{
  position:sticky;top:0;z-index:80;background:rgba(255,255,255,.88);
  backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s;
}
.site-header.is-stuck{border-bottom-color:var(--line);box-shadow:0 2px 18px rgba(10,37,64,.06)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:var(--nav-h)}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.brand:hover{color:inherit}

/* Logo lockup — MC Insurance wordmark. Aspect ratio is 2.142 : 1, so the
   intrinsic width/height attributes on the <img> reserve the right space and
   prevent layout shift while the PNG loads. */
.brand-logo{height:58px;width:auto;display:block;transition:opacity .2s}
.brand:hover .brand-logo{opacity:.82}
.brand-logo-footer{height:62px}
.logo-lockup{height:78px;width:auto;margin-bottom:26px}

.brand-mark{
  width:44px;height:44px;border-radius:12px;flex-shrink:0;
  background:linear-gradient(140deg,var(--navy-700),var(--navy-900));
  display:grid;place-items:center;color:var(--gold-400);font-family:var(--ff-head);
  font-weight:700;font-size:1.06rem;letter-spacing:-.04em;box-shadow:var(--sh-1);
}
.brand-name{font-family:var(--ff-head);font-weight:600;font-size:1.2rem;color:var(--navy-900);line-height:1.05;letter-spacing:-.025em}
.brand-sub{display:block;font-family:var(--ff-body);font-size:.61rem;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-mute);font-weight:600;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links li{margin:0}
.nav-links .m-cta{display:none}
.nav-links a{
  display:block;padding:10px 14px;border-radius:var(--r-pill);font-size:.95rem;font-weight:550;
  color:var(--ink-soft);transition:background .18s,color .18s;white-space:nowrap;
}
.nav-links a:hover{background:var(--navy-50);color:var(--navy-800)}
.nav-links a.active{color:var(--navy-900);font-weight:700;background:var(--navy-100)}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-toggle{display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--line);place-items:center;background:var(--paper)}
.nav-toggle span{display:block;width:19px;height:2px;background:var(--navy-800);border-radius:2px;position:relative;transition:background .2s}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:19px;height:2px;background:var(--navy-800);border-radius:2px;transition:transform .25s var(--ease)}
.nav-toggle span::before{top:-6px}.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}

@media(max-width:980px){
  .nav-toggle{display:grid}
  .nav-cta .btn{display:none}
  .nav-links{
    position:absolute;left:-24px;right:-24px;top:100%;flex-direction:column;align-items:stretch;
    background:var(--paper);padding:14px 24px 26px;gap:2px;border-bottom:1px solid var(--line);
    box-shadow:var(--sh-2);transform:translateY(-12px);opacity:0;pointer-events:none;transition:.25s var(--ease);
  }
  .nav-links.open{transform:none;opacity:1;pointer-events:auto}
  .nav-links a{padding:14px 12px;font-size:1.05rem;border-radius:var(--r-md)}
  .brand-logo{height:44px}
  .nav-links .m-cta{display:block;margin-top:12px}
  .nav-links .m-cta .btn{width:100%;display:inline-flex}
  .nav{position:relative}
}
@media(max-width:700px){
  .hide-sm{display:none}
  .topbar .wrap{justify-content:center}
  .topbar-links{gap:16px}
}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--navy-900);color:#dce7f2;padding:clamp(64px,8vw,110px) 0 clamp(64px,8vw,104px)}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(900px 520px at 78% 12%,rgba(27,78,128,.62),transparent 62%),
    radial-gradient(680px 420px at 8% 88%,rgba(201,154,34,.16),transparent 60%);
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.45;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:64px 64px;-webkit-mask-image:radial-gradient(circle at 62% 30%,#000,transparent 72%);mask-image:radial-gradient(circle at 62% 30%,#000,transparent 72%);
}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:56px;align-items:center}
.hero h1{color:#fff;margin-bottom:22px}
.hero h1 em{font-style:normal;color:var(--gold-400)}
.hero-sub{font-size:1.18rem;color:#b7cade;max-width:52ch;margin-bottom:30px}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:30px}
.pill{
  display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:var(--r-pill);
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);
  font-size:.83rem;font-weight:600;color:#dfeaf5;
}
.pill svg{color:var(--gold-400);flex-shrink:0}
.hero-trust{margin-top:34px;padding-top:26px;border-top:1px solid rgba(255,255,255,.13);display:flex;gap:38px;flex-wrap:wrap}
.stat .num{font-family:var(--ff-head);font-size:2.05rem;font-weight:600;color:#fff;line-height:1;letter-spacing:-.03em}
.stat .lbl{font-size:.75rem;letter-spacing:.09em;text-transform:uppercase;color:#8fa8c0;font-weight:600;margin-top:8px}

.hero-card{
  background:var(--paper);color:var(--ink);border-radius:var(--r-xl);padding:34px;
  box-shadow:var(--sh-3);position:relative;
}
.hero-card h3{margin-bottom:6px;font-size:1.36rem}
.hero-card .tiny{margin-bottom:22px}
.card-flag{
  position:absolute;top:-14px;right:26px;background:var(--gold-400);color:var(--navy-900);
  font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  padding:7px 14px;border-radius:var(--r-pill);box-shadow:var(--sh-1);
}
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:44px}
  .hero-trust{gap:26px}
}

/* ---------- Page banner ---------- */
.page-banner{background:var(--navy-800);color:#cddcea;padding:clamp(52px,6vw,84px) 0;position:relative;overflow:hidden}
.page-banner::before{content:"";position:absolute;inset:0;background:radial-gradient(760px 400px at 82% 0%,rgba(27,78,128,.7),transparent 62%),radial-gradient(500px 300px at 0% 100%,rgba(201,154,34,.14),transparent 60%)}
.page-banner .wrap{position:relative;z-index:2}
.page-banner h1{color:#fff;margin-bottom:14px;max-width:18ch;font-size:clamp(2.1rem,4.4vw,3.4rem)}
.page-banner p{color:#b3c7da;max-width:62ch;font-size:1.1rem;margin-bottom:0}
.crumbs{font-size:.82rem;color:#8ea7bf;margin-bottom:18px}
.crumbs a{color:#c9dbec}
.crumbs span{opacity:.55;margin:0 8px}

/* ---------- Cards ---------- */
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;
  transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s;height:100%;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh-2);border-color:var(--navy-100)}
.card h3{font-size:1.2rem;margin-bottom:10px}
.card p:last-child{margin-bottom:0}
.card-icon{
  width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:20px;
  background:var(--navy-50);color:var(--navy-700);border:1px solid var(--navy-100);
}
.card-icon.gold{background:var(--gold-100);color:var(--gold-600);border-color:#f0e2bd}
.card-icon.teal{background:var(--teal-100);color:var(--teal-600);border-color:#c6e6e3}
.card-link{display:inline-flex;align-items:center;gap:7px;font-weight:650;font-size:.94rem;color:var(--navy-700);margin-top:16px}

.pillar{
  position:relative;overflow:hidden;background:var(--paper);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:36px 32px 32px;display:flex;flex-direction:column;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease);height:100%;
}
.pillar::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--navy-600);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.pillar:hover{transform:translateY(-6px);box-shadow:var(--sh-3)}
.pillar:hover::before{transform:scaleX(1)}
.pillar.p-gold::before{background:linear-gradient(90deg,var(--gold-500),var(--gold-400))}
.pillar.p-teal::before{background:var(--teal-600)}
.pillar .num-tag{font-family:var(--ff-head);font-size:.88rem;font-weight:700;color:var(--gold-600);letter-spacing:.08em;margin-bottom:14px}
.pillar p{color:var(--ink-soft)}
.pillar ul{list-style:none;padding:0;margin:4px 0 20px;flex-grow:1}
.pillar ul li{position:relative;padding-left:26px;font-size:.95rem;color:var(--ink-soft)}
.pillar ul li::before{
  content:"";position:absolute;left:0;top:.5em;width:13px;height:7px;border-left:2px solid var(--teal-600);
  border-bottom:2px solid var(--teal-600);transform:rotate(-45deg);border-radius:1px;
}

/* ---------- Steps ---------- */
.steps{display:grid;gap:24px;grid-template-columns:repeat(4,1fr)}
.step-n{
  width:46px;height:46px;border-radius:50%;background:var(--navy-800);color:var(--gold-400);
  display:grid;place-items:center;font-family:var(--ff-head);font-weight:700;font-size:1.1rem;margin-bottom:18px;
  box-shadow:0 0 0 6px var(--navy-50);
}
.step h4{margin-bottom:8px;font-size:1.04rem}
.step p{font-size:.95rem;color:var(--ink-soft);margin-bottom:0}
.bg-navy .step-n{background:var(--gold-400);color:var(--navy-900);box-shadow:0 0 0 6px rgba(255,255,255,.07)}
.bg-navy .step p{color:#a9bfd4}

/* ---------- Tabs ---------- */
.tabs{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:36px}
.tab{
  padding:11px 22px;border-radius:var(--r-pill);border:1.5px solid var(--line);background:var(--paper);
  font-weight:600;font-size:.94rem;color:var(--ink-soft);transition:.2s;
}
.tab:hover{border-color:var(--navy-600);color:var(--navy-800)}
.tab[aria-selected="true"]{background:var(--navy-800);border-color:var(--navy-800);color:#fff;box-shadow:var(--sh-2)}
.tab-panel{display:none}
.tab-panel.active{display:block;animation:fadeUp .4s var(--ease)}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* ---------- Accordion ---------- */
.acc{border-top:1px solid var(--line)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-btn{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;text-align:left;
  padding:22px 4px;font-weight:650;font-size:1.04rem;color:var(--navy-900);font-family:var(--ff-body);
}
.acc-btn:hover{color:var(--navy-600)}
.acc-ic{flex-shrink:0;width:28px;height:28px;border-radius:50%;background:var(--navy-50);display:grid;place-items:center;position:relative;transition:.25s}
.acc-ic::before,.acc-ic::after{content:"";position:absolute;background:var(--navy-700);border-radius:2px;transition:transform .25s var(--ease),background .25s}
.acc-ic::before{width:12px;height:2px}
.acc-ic::after{width:2px;height:12px}
.acc-btn[aria-expanded="true"] .acc-ic{background:var(--navy-800)}
.acc-btn[aria-expanded="true"] .acc-ic::before{background:var(--gold-400)}
.acc-btn[aria-expanded="true"] .acc-ic::after{transform:scaleY(0);background:var(--gold-400)}
.acc-body{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.acc-body-inner{padding:0 44px 24px 4px;color:var(--ink-soft)}
.acc-body-inner p:last-child{margin-bottom:0}

/* ---------- Forms ---------- */
.field{display:block;margin-bottom:20px}
.field > label,.lbl{display:block;font-size:.87rem;font-weight:650;color:var(--navy-800);margin-bottom:7px}
.req{color:var(--err);font-weight:700}
.input,.select,.textarea{
  width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--r-md);
  background:var(--paper);font-size:1rem;transition:border-color .18s,box-shadow .18s;
}
.input::placeholder,.textarea::placeholder{color:#9fb0c2}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--navy-600);box-shadow:0 0 0 4px rgba(27,78,128,.12)}
.textarea{min-height:130px;resize:vertical;line-height:1.6}
.select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9' fill='none'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%2341546a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;padding-right:44px;cursor:pointer}
.input.err,.select.err,.textarea.err{border-color:var(--err);box-shadow:0 0 0 4px rgba(192,57,43,.1)}
.err-msg{display:none;color:var(--err);font-size:.82rem;font-weight:600;margin-top:6px}
.err-msg.show{display:block}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
.row-3{display:grid;grid-template-columns:repeat(3,1fr);gap:0 18px}

.choice-grid{display:grid;gap:12px;margin-bottom:22px}
.choice-grid.c-2{grid-template-columns:1fr 1fr}
.choice-grid.c-3{grid-template-columns:repeat(3,1fr)}
.choice{position:relative;display:block}
.choice input{position:absolute;opacity:0;width:0;height:0}
.choice span{
  display:flex;flex-direction:column;gap:3px;padding:15px 40px 15px 18px;border:1.5px solid var(--line);
  border-radius:var(--r-md);cursor:pointer;transition:.2s var(--ease);font-weight:600;font-size:.95rem;height:100%;
  background:var(--paper);position:relative;
}
.choice span small{font-weight:500;font-size:.8rem;color:var(--ink-mute);line-height:1.45}
.choice input:hover + span{border-color:var(--navy-600);background:var(--navy-50)}
.choice input:checked + span{border-color:var(--navy-800);background:var(--navy-50);box-shadow:0 0 0 3px rgba(27,78,128,.13)}
.choice input:focus-visible + span{outline:3px solid var(--gold-400);outline-offset:2px}
.choice input:checked + span::after{
  content:"\2713";position:absolute;top:13px;right:14px;width:20px;height:20px;border-radius:50%;
  background:var(--navy-800);color:var(--gold-400);font-size:.7rem;display:grid;place-items:center;font-weight:800;
}

.range-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;gap:12px}
.range-val{font-family:var(--ff-head);font-size:1.45rem;font-weight:600;color:var(--navy-800);letter-spacing:-.02em}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;
  background:var(--navy-100);outline:none;margin:10px 0 4px;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:26px;height:26px;border-radius:50%;cursor:grab;
  background:var(--paper);border:3px solid var(--navy-700);box-shadow:var(--sh-1);transition:transform .15s;
}
input[type=range]::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.12)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--paper);border:3px solid var(--navy-700);cursor:grab}
.range-scale{display:flex;justify-content:space-between;font-size:.76rem;color:var(--ink-mute);font-weight:600}
.range-field{margin-bottom:24px}

.check{display:flex;gap:12px;align-items:flex-start;font-size:.89rem;color:var(--ink-soft);line-height:1.55;cursor:pointer;margin-bottom:14px}
.check input{width:19px;height:19px;flex-shrink:0;margin-top:2px;accent-color:var(--navy-700);cursor:pointer}

/* ---------- Wizard ---------- */
.wizard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-2);overflow:hidden}
.wiz-top{padding:26px 34px 0}
.wiz-bar{height:6px;border-radius:99px;background:var(--line-soft);overflow:hidden;margin-bottom:18px}
.wiz-bar span{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--navy-700),var(--teal-600));transition:width .45s var(--ease);width:20%}
.wiz-dots{display:flex;gap:6px;list-style:none;margin:0;padding:0 0 20px;flex-wrap:wrap}
.wiz-dots li{font-size:.77rem;font-weight:650;color:var(--ink-mute);padding:6px 12px;border-radius:var(--r-pill);background:var(--shell);transition:.25s;white-space:nowrap;margin:0}
.wiz-dots li.done{color:var(--teal-600);background:var(--teal-100)}
.wiz-dots li.current{color:#fff;background:var(--navy-800)}
.wiz-body{padding:12px 34px 30px;border-top:1px solid var(--line-soft)}
.wiz-step{display:none}
.wiz-step.active{display:block;animation:fadeUp .35s var(--ease)}
.wiz-step h3{margin-bottom:6px;padding-top:20px}
.wiz-step .step-hint{color:var(--ink-mute);font-size:.95rem;margin-bottom:24px}
.wiz-foot{display:flex;justify-content:space-between;gap:14px;padding:20px 34px 28px;border-top:1px solid var(--line-soft);flex-wrap:wrap;align-items:center}
@media(max-width:600px){
  .wiz-top,.wiz-body,.wiz-foot{padding-inline:20px}
  .wiz-foot .btn{flex:1}
}

.quote-layout{display:grid;grid-template-columns:1fr 360px;gap:34px;align-items:start}
@media(max-width:1000px){.quote-layout{grid-template-columns:1fr}.est-panel{position:static}}

.est-panel{
  position:sticky;top:100px;background:linear-gradient(160deg,var(--navy-800),var(--navy-900));
  color:#dbe7f2;border-radius:var(--r-xl);padding:32px;box-shadow:var(--sh-3);
}
.est-panel h4{font-size:.76rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-400);margin-bottom:16px}
.est-amount{font-family:var(--ff-head);font-size:3rem;font-weight:600;color:#fff;line-height:1;letter-spacing:-.035em}
.est-amount .per{font-family:var(--ff-body);font-size:1rem;font-weight:600;color:#9db4ca;letter-spacing:0}
.est-range{color:#9db4ca;font-size:.9rem;margin-top:10px}
.est-list{list-style:none;padding:20px 0 0;margin:22px 0 0;border-top:1px solid rgba(255,255,255,.14)}
.est-list li{display:flex;justify-content:space-between;gap:16px;font-size:.89rem;padding:7px 0;color:#a9bfd4;margin:0}
.est-list li b{color:#fff;font-weight:600;text-align:right}
.est-note{margin-top:20px;font-size:.77rem;color:#88a1b9;line-height:1.6;border-top:1px solid rgba(255,255,255,.12);padding-top:16px}

/* ---------- Calculator ---------- */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-2);overflow:hidden;display:grid;grid-template-columns:1.12fr .88fr}
.calc-inputs{padding:clamp(24px,3.4vw,38px)}
.calc-out{background:linear-gradient(165deg,var(--navy-800),var(--navy-900));color:#dbe7f2;padding:clamp(28px,3.4vw,38px);display:flex;flex-direction:column;justify-content:center}
.calc-out .big{font-family:var(--ff-head);font-size:clamp(2.4rem,4.6vw,3.3rem);font-weight:600;color:#fff;line-height:1;letter-spacing:-.035em;margin:6px 0 4px}
.calc-out .cap{font-size:.74rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-400);font-weight:700}
.calc-break{list-style:none;padding:18px 0 0;margin:20px 0 0;border-top:1px solid rgba(255,255,255,.14)}
.calc-break li{display:flex;justify-content:space-between;font-size:.88rem;padding:6px 0;color:#a9bfd4;margin:0;gap:14px}
.calc-break li b{color:#fff;font-weight:600}
@media(max-width:880px){.calc{grid-template-columns:1fr}}

/* ---------- Life-stage selector ---------- */
.stage-wrap{display:grid;grid-template-columns:296px 1fr;gap:32px;align-items:start}
.stage-list{display:flex;flex-direction:column;gap:8px}
.stage-btn{
  text-align:left;padding:16px 20px;border-radius:var(--r-md);border:1.5px solid var(--line);
  background:var(--paper);transition:.22s var(--ease);display:flex;gap:14px;align-items:center;width:100%;
}
.stage-btn:hover{border-color:var(--navy-600)}
.stage-btn[aria-selected="true"]{background:var(--navy-800);border-color:var(--navy-800);color:#fff;box-shadow:var(--sh-2)}
.stage-btn[aria-selected="true"] .stage-ic{background:rgba(255,255,255,.14);color:var(--gold-400)}
.stage-btn[aria-selected="true"] small{color:#a9c0d6}
.stage-ic{width:40px;height:40px;border-radius:11px;background:var(--navy-50);color:var(--navy-700);display:grid;place-items:center;flex-shrink:0;transition:.22s}
.stage-btn strong{display:block;font-size:.98rem;font-weight:650;letter-spacing:-.01em}
.stage-btn small{display:block;font-size:.79rem;color:var(--ink-mute);margin-top:2px}
.stage-panel{display:none;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(24px,3.2vw,36px);box-shadow:var(--sh-1)}
.stage-panel.active{display:block;animation:fadeUp .35s var(--ease)}
.stage-panel h3{margin-bottom:8px}
.rec-tags{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 24px}
.rec-tag{padding:7px 15px;border-radius:var(--r-pill);background:var(--gold-100);color:var(--gold-600);font-size:.82rem;font-weight:700;border:1px solid #f0e2bd}
@media(max-width:840px){.stage-wrap{grid-template-columns:1fr}.stage-list{flex-direction:row;overflow-x:auto;padding-bottom:8px}.stage-btn{min-width:240px}}

/* ---------- Testimonials ---------- */
.quote-slider{overflow:hidden}
.quote-track{display:flex;transition:transform .5s var(--ease)}
.quote-slide{min-width:100%;padding:0 4px}
.quote-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(30px,4vw,48px);box-shadow:var(--sh-1);text-align:center;max-width:820px;margin-inline:auto}
.quote-card .mark{font-family:var(--ff-head);font-size:3.2rem;color:var(--gold-400);line-height:.6;display:block;margin-bottom:16px}
.quote-card blockquote{margin:0 0 22px;font-family:var(--ff-head);font-size:clamp(1.12rem,2.2vw,1.45rem);line-height:1.45;color:var(--navy-900);letter-spacing:-.015em}
.quote-who{display:flex;align-items:center;justify-content:center;gap:13px;text-align:left}
.avatar{width:46px;height:46px;border-radius:50%;background:var(--navy-100);color:var(--navy-700);display:grid;place-items:center;font-weight:700;font-size:.95rem;flex-shrink:0}
.quote-who strong{display:block;font-size:.95rem}
.quote-who small{color:var(--ink-mute);font-size:.83rem}
.slider-nav{display:flex;justify-content:center;align-items:center;gap:10px;margin-top:28px}
.sdot{width:9px;height:9px;border-radius:50%;background:var(--line);transition:.25s;padding:0}
.sdot.active{background:var(--navy-700);width:28px;border-radius:99px}
.sarrow{width:44px;height:44px;border-radius:50%;border:1.5px solid var(--line);background:var(--paper);display:grid;place-items:center;color:var(--navy-700);transition:.2s}
.sarrow:hover{border-color:var(--navy-700);background:var(--navy-50)}

/* ---------- Carriers ---------- */
.carriers{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.carrier{
  padding:13px 22px;border:1px solid var(--line);border-radius:var(--r-md);background:var(--paper);
  font-family:var(--ff-head);font-weight:600;color:var(--navy-800);font-size:.98rem;letter-spacing:-.02em;
  opacity:.8;transition:.25s;
}
.carrier:hover{opacity:1;box-shadow:var(--sh-1)}

/* ---------- Split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,64px);align-items:center}
@media(max-width:880px){.split{grid-template-columns:1fr}.split .split-media{order:2}}
.media-panel{
  border-radius:var(--r-xl);padding:clamp(26px,3.4vw,38px);background:linear-gradient(150deg,var(--navy-50),var(--paper));
  border:1px solid var(--line);box-shadow:var(--sh-1);
}
.media-panel.dark{background:linear-gradient(150deg,var(--navy-800),var(--navy-900));border-color:transparent;color:#c3d5e6;box-shadow:var(--sh-3)}
.media-panel.dark h4{color:#fff}
.mini-row{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:.94rem}
.media-panel.dark .mini-row{border-bottom-color:rgba(255,255,255,.13)}
.mini-row:last-child{border-bottom:0}
.mini-row b{font-weight:650;color:var(--navy-900)}
.media-panel.dark .mini-row b{color:#fff}

/* Bars */
.bars{display:flex;align-items:flex-end;gap:14px;height:186px;margin:24px 0 8px}
.bar-col{flex:1;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;gap:8px;height:100%}
.bar{width:100%;border-radius:8px 8px 3px 3px;background:linear-gradient(180deg,var(--gold-400),var(--gold-600));transition:height .6s var(--ease);min-height:6px}
.bar.alt{background:linear-gradient(180deg,var(--navy-600),var(--navy-800))}
.bar-lbl{font-size:.75rem;font-weight:650;color:var(--ink-mute);text-align:center}
.bar-val{font-size:.8rem;font-weight:700;color:var(--navy-800)}

/* ---------- Timeline ---------- */
.timeline{position:relative;padding-left:34px}
.timeline::before{content:"";position:absolute;left:9px;top:8px;bottom:8px;width:2px;background:linear-gradient(180deg,var(--gold-400),var(--navy-100))}
.tl-item{position:relative;padding-bottom:32px}
.tl-item:last-child{padding-bottom:0}
.tl-item::before{content:"";position:absolute;left:-32px;top:5px;width:14px;height:14px;border-radius:50%;background:var(--paper);border:3px solid var(--navy-700)}
.tl-year{font-family:var(--ff-head);font-weight:700;color:var(--gold-600);font-size:.98rem;margin-bottom:4px}
.tl-item h4{margin-bottom:6px}
.tl-item p{font-size:.95rem;color:var(--ink-soft);margin-bottom:0}

/* ---------- CTA band ---------- */
.cta-band{
  position:relative;overflow:hidden;border-radius:var(--r-xl);
  background:linear-gradient(140deg,var(--navy-800),var(--navy-900) 62%);
  color:#dbe7f2;padding:clamp(40px,6vw,70px);text-align:center;box-shadow:var(--sh-3);
}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 320px at 85% 0%,rgba(201,154,34,.2),transparent 60%),radial-gradient(500px 300px at 5% 100%,rgba(15,125,118,.24),transparent 62%)}
/* Faint logo watermark, bottom-right of every CTA band */
.cta-band::after{
  content:"";position:absolute;right:-46px;bottom:-34px;width:420px;height:196px;
  background:url("../img/logo-mc-insurance-light.png") no-repeat center/contain;
  opacity:.07;pointer-events:none;
}
.cta-band > *{position:relative;z-index:2}
@media(max-width:640px){.cta-band::after{width:280px;height:131px;right:-30px;bottom:-24px}}
.cta-band h2{color:#fff;max-width:22ch;margin-inline:auto}
.cta-band p{color:#b3c7da;max-width:58ch;margin-inline:auto;font-size:1.08rem}

/* ---------- Alerts / success ---------- */
.alert{display:flex;gap:14px;padding:17px 20px;border-radius:var(--r-md);font-size:.92rem;line-height:1.6;border:1px solid;margin-bottom:22px}
.alert svg{flex-shrink:0;margin-top:3px}
.alert-ok{background:#eefaf3;border-color:#bfe6d2;color:#0f5c3b}
.alert-info{background:var(--navy-50);border-color:var(--navy-100);color:var(--navy-700)}
.alert p:last-child{margin-bottom:0}
.success{text-align:center;padding:30px 10px 16px}
.success-ic{width:78px;height:78px;border-radius:50%;background:#eefaf3;color:var(--ok);display:grid;place-items:center;margin:0 auto 22px;animation:pop .5s var(--ease)}
@keyframes pop{0%{transform:scale(.5);opacity:0}60%{transform:scale(1.08)}100%{transform:scale(1);opacity:1}}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:#95aec5;padding-top:64px;font-size:.93rem}
.f-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1.35fr;gap:36px;padding-bottom:44px}
.site-footer h5{color:#fff;font-size:.77rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 16px;font-weight:700}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:10px}
.site-footer a{color:#a9c1d7}
.site-footer a:hover{color:var(--gold-400)}
.f-brand .brand-name{color:#fff}
.f-brand .brand-sub{color:#7f99b1}
.f-brand p{color:#8fa8c0;max-width:38ch;margin:18px 0 0;font-size:.91rem}
.f-contact li{display:flex;gap:11px;align-items:flex-start;color:#a9c1d7}
.f-contact svg{flex-shrink:0;margin-top:4px;color:var(--gold-400)}
.f-legal{border-top:1px solid rgba(255,255,255,.1);padding:24px 0 34px;font-size:.79rem;line-height:1.7;color:#7d97ae}
.f-legal .row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-bottom:14px}
.f-legal .links{display:flex;gap:20px;flex-wrap:wrap}
@media(max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.f-grid{grid-template-columns:1fr}}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}.reveal.d4{transition-delay:.32s}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}

/* ---------- Responsive collapse ---------- */
@media(max-width:1020px){.g-4{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:880px){.g-3{grid-template-columns:1fr}}
@media(max-width:640px){
  body{font-size:16px}
  .brand-logo{height:38px}
  .brand-logo-footer{height:52px}
  .logo-lockup{height:58px;margin-bottom:20px}
  .g-2,.g-4,.steps,.row-2,.row-3,.choice-grid.c-2,.choice-grid.c-3{grid-template-columns:1fr}
  .section{padding:56px 0}
  .hero-trust{gap:22px}
  .stat .num{font-size:1.7rem}
  .acc-body-inner{padding-right:8px}
}
.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}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy-800);color:#fff;padding:12px 20px;z-index:200;border-radius:0 0 10px 0}
.skip:focus{left:0;color:#fff}

/* ---------- Legal / disclosure pages ---------- */
.legal{max-width:840px}
.legal h2{font-size:clamp(1.35rem,2.4vw,1.75rem);margin:48px 0 14px}
.legal h2:first-of-type{margin-top:0}
.legal h3{font-size:1.06rem;font-family:var(--ff-body);font-weight:700;margin:28px 0 8px;color:var(--navy-900)}
.legal p,.legal li{color:var(--ink-soft)}
.legal ul{padding-left:1.3em}
.legal li{margin-bottom:.55em}
.legal dl{margin:0 0 1.1em}
.legal dt{font-weight:700;color:var(--navy-900);margin-top:14px}
.legal dd{margin:4px 0 0;color:var(--ink-soft)}
.legal-meta{
  display:flex;flex-wrap:wrap;gap:10px 26px;padding:18px 22px;margin-bottom:34px;
  background:var(--navy-50);border:1px solid var(--navy-100);border-radius:var(--r-md);
  font-size:.87rem;color:var(--ink-soft);
}
.legal-meta b{color:var(--navy-900)}
.draft-notice{
  display:flex;gap:14px;padding:18px 22px;margin-bottom:32px;border-radius:var(--r-md);
  background:#fff8e6;border:1px solid #f0dca8;color:#7a5806;font-size:.9rem;line-height:1.6;
}
.draft-notice svg{flex-shrink:0;margin-top:3px}
.draft-notice p{margin:0;color:inherit}
.toc{background:var(--shell);border:1px solid var(--line);border-radius:var(--r-md);padding:22px 26px;margin-bottom:38px}
.toc h4{margin:0 0 12px}
.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:32px}
.toc li{margin-bottom:6px;font-size:.92rem}
@media(max-width:640px){.toc ol{columns:1}}

/* Honeypot: off-screen for people, present in the DOM for bots. */
.hp{position:absolute!important;left:-9999px!important;top:auto!important;
    width:1px!important;height:1px!important;overflow:hidden!important}
.alert-err{background:#fdecea;border-color:#f3c4bd;color:#8f2c20;margin:0 0 18px}