/* ============================================
   Premier Wedding Insurance — Style System
   Colors: Blush #f8e8e8, Rose Gold #b76e79, Ivory #fffaf0
   Fonts: Cormorant Garamond (headings), Raleway (body)
   Style: Romantic, refined, elegant
   ============================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Raleway', sans-serif;
  color: #5a4a4a;
  line-height: 1.8;
  background: #fffaf0;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #b76e79; text-decoration: none; transition: color .2s; }
a:hover { color: #9e5a63; }

h1, h2, h3, h4 { font-family: 'Cormorant Garamond', serif; color: #3d2b2b; line-height: 1.25; font-weight: 600; }
h1 { font-size: 3rem; margin-bottom: 1rem; font-weight: 700; }
h2 { font-size: 2.1rem; margin-bottom: .75rem; }
h3 { font-size: 1.4rem; margin-bottom: .5rem; }
p { margin-bottom: 1rem; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* --- Header --- */
.site-header {
  background: #fffaf0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 8px rgba(0,0,0,.04);
  border-bottom: 1px solid #f0dada;
}
.site-header .container { display: flex; justify-content: space-between; align-items: center; padding-top: 14px; padding-bottom: 14px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { width: 42px; height: 42px; background: linear-gradient(135deg, #b76e79, #d4a0a8); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; font-size: 1rem; }
.logo-text { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: #3d2b2b; }
.logo-text span { color: #b76e79; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: #5a4a4a; margin: 5px 0; border-radius: 2px; transition: .3s; }

.main-nav ul { list-style: none; display: flex; gap: 28px; align-items: center; }
.main-nav a { color: #5a4a4a; font-weight: 500; font-size: .88rem; padding: 6px 0; transition: color .2s; letter-spacing: .5px; }
.main-nav a:hover, .main-nav a.active { color: #b76e79; }
.nav-cta { background: #b76e79 !important; color: #fff !important; padding: 10px 22px !important; border-radius: 25px; font-weight: 600 !important; }
.nav-cta:hover { background: #9e5a63 !important; }
.header-phone { color: #b76e79 !important; font-weight: 600 !important; font-size: .88rem; }

/* --- Hero --- */
.hero {
  background: linear-gradient(160deg, rgba(183,110,121,.85) 0%, rgba(61,43,43,.7) 100%),
              url('https://images.unsplash.com/photo-1519741497674-611481863552?w=1400&q=80') center/cover no-repeat;
  color: #fff;
  padding: 110px 0 120px;
  text-align: center;
}
.hero h1 { color: #fff; font-size: 3.4rem; max-width: 700px; margin: 0 auto 16px; }
.hero h1 span { color: #f8d7da; font-style: italic; }
.hero p { font-size: 1.2rem; max-width: 550px; margin: 0 auto 2rem; opacity: .92; }

/* --- Hero Zip Form --- */
.hero-form {
  display: flex;
  max-width: 420px;
  margin: 0 auto 16px;
  background: #fff;
  border-radius: 50px;
  overflow: hidden;
  box-shadow: 0 8px 30px rgba(0,0,0,.15);
}
.hero-form input {
  flex: 1;
  border: none;
  padding: 16px 24px;
  font-size: 1rem;
  font-family: 'Raleway', sans-serif;
  color: #3d2b2b;
  background: transparent;
  outline: none;
}
.hero-form input::placeholder { color: #a08080; }
.hero-form button {
  background: #b76e79;
  color: #fff;
  border: none;
  padding: 16px 28px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  font-family: 'Raleway', sans-serif;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: background .2s;
  white-space: nowrap;
}
.hero-form button:hover { background: #9e5a63; }
.hero-form.shake { animation: shake .4s ease; }
@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20%, 60% { transform: translateX(-6px); }
  40%, 80% { transform: translateX(6px); }
}

.hero-phone { font-size: .95rem; opacity: .85; margin-bottom: 20px !important; }
.hero-phone a { color: #fff; font-weight: 700; text-decoration: underline; }

/* --- Trust Badges --- */
.trust-badges { display: flex; justify-content: center; gap: 28px; flex-wrap: wrap; }
.badge { font-size: .82rem; font-weight: 500; color: rgba(255,255,255,.85); display: flex; align-items: center; gap: 6px; }
.badge i { font-size: .75rem; }

/* --- Buttons --- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 32px; border-radius: 25px; font-weight: 600; font-size: 1rem; cursor: pointer; border: none; transition: all .2s; text-decoration: none; font-family: 'Raleway', sans-serif; letter-spacing: .5px; }
.btn-primary { background: #b76e79; color: #fff; }
.btn-primary:hover { background: #9e5a63; color: #fff; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(183,110,121,.3); }
.btn-outline { border: 2px solid #b76e79; color: #b76e79; background: transparent; }
.btn-outline:hover { background: #b76e79; color: #fff; }
.btn-white { background: #fff; color: #b76e79; }
.btn-white:hover { background: #fef5f5; }
.btn-rose { background: #b76e79; color: #fff; }
.btn-rose:hover { background: #9e5a63; }
.btn-phone { background: rgba(255,255,255,.15); color: #fff; width: 52px; height: 52px; padding: 0; display: flex; align-items: center; justify-content: center; border-radius: 50%; font-size: 1.2rem; }
.btn-phone:hover { background: rgba(255,255,255,.25); color: #fff; }

/* --- Sections --- */
.section { padding: 80px 0; }
.section-blush { background: #fef5f5; }
.section-rose { background: linear-gradient(135deg, #b76e79, #9e5a63); color: #fff; }
.section-rose h2 { color: #fff; }
.section-rose p { color: rgba(255,255,255,.88); }
.section-ivory { background: #fffaf0; }
.section-dark { background: #2d1f1f; color: rgba(255,255,255,.7); }
.section-dark h2 { color: #fff; }
.section-dark h3 { color: rgba(255,255,255,.85); }
.section-header { text-align: center; max-width: 660px; margin: 0 auto 48px; }
.section-header p { color: #8a7070; font-size: 1.05rem; }

/* --- Stats Bar --- */
.stats-bar { background: #3d2b2b; padding: 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { text-align: center; padding: 28px 16px; border-right: 1px solid rgba(255,255,255,.08); }
.stat-item:last-child { border-right: none; }
.stat-item h3 { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; color: #d4a0a8; margin-bottom: 2px; font-weight: 700; }
.stat-item p { color: rgba(255,255,255,.55); font-size: .8rem; text-transform: uppercase; letter-spacing: 1px; margin: 0; }

/* --- How It Works / Steps --- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.step-item { text-align: center; }
.step-number { width: 56px; height: 56px; background: linear-gradient(135deg, #b76e79, #d4a0a8); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; font-family: 'Cormorant Garamond', serif; font-size: 1.5rem; font-weight: 700; margin: 0 auto 16px; }
.step-item p { color: #8a7070; font-size: .92rem; margin: 0; }

/* --- Feature Cards --- */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.feature-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px 28px;
  text-align: center;
  border: 1px solid #f0dada;
  transition: box-shadow .3s, transform .2s;
}
.feature-card:hover { box-shadow: 0 10px 35px rgba(183,110,121,.08); transform: translateY(-3px); }
.feature-card .icon-wrap { width: 56px; height: 56px; background: #fef5f5; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.feature-card i { font-size: 1.4rem; color: #b76e79; }
.feature-card p { color: #8a7070; font-size: .9rem; margin: 0; }

/* --- Icon Wrap (standalone) --- */
.icon-wrap { width: 56px; height: 56px; background: #fef5f5; border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.icon-wrap i { font-size: 1.4rem; color: #b76e79; }

/* --- Content Split --- */
.content-split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }

/* --- Checklist --- */
.checklist { list-style: none; margin: 16px 0; }
.checklist li { padding: 6px 0; font-size: .95rem; display: flex; align-items: flex-start; gap: 10px; }
.checklist i { color: #b76e79; margin-top: 4px; font-size: .85rem; }

/* --- Carrier Logos --- */
.carriers-section { text-align: center; }
.carrier-logos { display: flex; justify-content: center; flex-wrap: wrap; gap: 20px; }
.carrier-logos span {
  background: #fff;
  border: 1px solid #f0dada;
  padding: 14px 28px;
  border-radius: 8px;
  font-weight: 600;
  color: #8a7070;
  font-size: .88rem;
  letter-spacing: .5px;
}

/* --- Testimonials --- */
.testimonial-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.testimonial-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px;
  border: 1px solid #f0dada;
  position: relative;
}
.testimonial-card::before { content: '\201C'; font-family: 'Cormorant Garamond', serif; font-size: 4rem; color: #f0dada; position: absolute; top: 10px; left: 20px; line-height: 1; }
.testimonial-card p { font-style: italic; color: #6a5050; padding-left: 30px; margin-bottom: 12px; }
.testimonial-card .author { font-weight: 600; color: #b76e79; font-size: .88rem; padding-left: 30px; }

/* --- FAQ --- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border: 1px solid #f0dada; border-radius: 12px; margin-bottom: 12px; overflow: hidden; }
.faq-question { width: 100%; background: #fff; border: none; padding: 20px 24px; font-size: 1.05rem; font-weight: 600; color: #3d2b2b; text-align: left; cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; font-family: 'Raleway', sans-serif; }
.faq-question:hover { background: #fef5f5; }
.faq-question i { color: #b76e79; transition: transform .3s; }
.faq-item.active .faq-question { background: #fef5f5; }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .4s ease; }
.faq-answer-inner { padding: 0 24px 20px; color: #6a5050; line-height: 1.8; }

/* --- Forms --- */
.form-wrapper { max-width: 680px; margin: 0 auto; background: #fff; border-radius: 16px; padding: 48px 40px; box-shadow: 0 8px 30px rgba(0,0,0,.04); border: 1px solid #f0dada; }
.form-wrapper h2 { text-align: center; margin-bottom: 6px; }
.form-subtitle { text-align: center; color: #8a7070; margin-bottom: 32px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; color: #3d2b2b; font-size: .88rem; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 12px 16px; border: 1.5px solid #e0cece; border-radius: 8px; font-size: 1rem; font-family: 'Raleway', sans-serif; transition: border-color .2s, box-shadow .2s; background: #fffaf0; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: #b76e79; box-shadow: 0 0 0 3px rgba(183,110,121,.1); background: #fff; }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group .error-msg { color: #c62828; font-size: .78rem; margin-top: 4px; display: none; }
.form-group.has-error input, .form-group.has-error select, .form-group.has-error textarea { border-color: #c62828; }
.form-group.has-error .error-msg { display: block; }
.form-consent { font-size: .8rem; color: #a08080; margin-bottom: 20px; display: flex; gap: 8px; align-items: flex-start; }
.form-consent input[type="checkbox"] { margin-top: 3px; accent-color: #b76e79; }
.form-consent.has-error { color: #c62828; }
.form-consent.has-error label { color: #c62828; }
.btn-submit { width: 100%; padding: 16px; font-size: 1.05rem; }
.form-success, .form-error { display: none; padding: 16px; border-radius: 10px; margin-top: 16px; font-weight: 600; text-align: center; }
.form-success { background: #e8f5e9; color: #2e7d32; border: 1px solid #c8e6c9; }
.form-error { background: #ffebee; color: #c62828; border: 1px solid #ffcdd2; }

/* --- Multi-Step Form --- */
.form-progress { display: flex; align-items: center; justify-content: center; gap: 0; margin-bottom: 32px; }
.form-progress .step { display: flex; align-items: center; gap: 8px; font-size: .85rem; font-weight: 600; color: #cbb0b0; }
.form-progress .step span { width: 32px; height: 32px; border-radius: 50%; background: #f0dada; display: flex; align-items: center; justify-content: center; color: #a08080; font-size: .85rem; font-weight: 700; transition: all .3s; }
.form-progress .step.active { color: #b76e79; }
.form-progress .step.active span { background: #b76e79; color: #fff; }
.form-progress .step.completed span { background: #2e7d32; color: #fff; }
.form-progress .step-line { width: 60px; height: 2px; background: #f0dada; margin: 0 12px; transition: background .3s; }
.form-progress .step-line.active { background: #b76e79; }
.form-step { display: none; }
.form-step.active { display: block; }

/* --- Breadcrumbs --- */
.breadcrumbs { background: #fef5f5; padding: 12px 0; font-size: .82rem; color: #a08080; border-bottom: 1px solid #f0dada; }
.breadcrumbs a { color: #b76e79; }
.breadcrumbs i { font-size: .6rem; margin: 0 8px; color: #cbb0b0; }

/* --- Contact Grid --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.contact-info p { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; font-size: .95rem; }
.contact-info i { color: #d4a0a8; width: 18px; text-align: center; }
.contact-info h3 { font-size: 1.1rem; margin-bottom: 20px; }

/* --- Coverage Table --- */
.coverage-table-wrap { overflow-x: auto; }
.coverage-table { width: 100%; border-collapse: collapse; max-width: 800px; margin: 0 auto; }
.coverage-table th { background: #b76e79; color: #fff; padding: 14px 20px; text-align: left; font-family: 'Raleway', sans-serif; font-size: .9rem; font-weight: 600; }
.coverage-table td { padding: 14px 20px; border-bottom: 1px solid #f0dada; font-size: .92rem; }
.coverage-table tr:nth-child(even) { background: #fef5f5; }
.coverage-table tr:hover { background: #f8e8e8; }

/* --- Thank You Icon --- */
.thank-you-icon { width: 80px; height: 80px; background: #e8f5e9; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; }
.thank-you-icon i { font-size: 2rem; color: #2e7d32; }

/* --- Next Steps --- */
.next-steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.next-step { text-align: center; }
.next-step-icon { width: 56px; height: 56px; background: #fef5f5; border: 2px solid #f0dada; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 14px; }
.next-step-icon i { font-size: 1.2rem; color: #b76e79; }
.next-step p { color: #8a7070; font-size: .9rem; margin: 0; }

/* --- 404 Error Page --- */
.error-page { padding: 120px 0; text-align: center; }
.error-page h1 { font-size: 6rem; color: #f0dada; margin-bottom: 0; }
.error-page h2 { font-size: 2rem; color: #3d2b2b; margin-bottom: 16px; }
.error-page p { color: #8a7070; margin-bottom: 28px; font-size: 1.05rem; }

/* --- CTA Banner --- */
.cta-banner { background: linear-gradient(135deg, #b76e79 0%, #9e5a63 100%); padding: 70px 0; text-align: center; color: #fff; }
.cta-banner h2 { color: #fff; font-size: 2.2rem; margin-bottom: 12px; font-style: italic; }
.cta-banner p { font-size: 1.1rem; max-width: 520px; margin: 0 auto 28px; opacity: .92; }

/* --- Footer --- */
.site-footer { background: #2d1f1f; color: rgba(255,255,255,.55); padding: 60px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-about .logo-text { color: #fff; font-size: 1.2rem; }
.footer-about p { font-size: .85rem; margin-top: 10px; }
.footer-links h4, .footer-contact h4 { color: #d4a0a8; font-size: .85rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 1.5px; font-family: 'Raleway', sans-serif; font-weight: 700; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: rgba(255,255,255,.55); font-size: .85rem; }
.footer-links a:hover { color: #d4a0a8; }
.footer-contact p { font-size: .85rem; margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.footer-contact i { color: #d4a0a8; width: 14px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.06); padding-top: 24px; display: flex; justify-content: space-between; font-size: .78rem; }
.footer-bottom a { color: rgba(255,255,255,.35); }
.footer-bottom a:hover { color: #d4a0a8; }
.footer-legal { display: flex; gap: 20px; }

/* --- Sticky Mobile CTA --- */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #fffaf0;
  border-top: 1px solid #f0dada;
  padding: 10px 16px;
  display: none;
  align-items: center;
  gap: 10px;
  z-index: 90;
  box-shadow: 0 -2px 12px rgba(0,0,0,.06);
}
.sticky-cta .btn-primary { flex: 1; text-align: center; justify-content: center; padding: 14px 20px; }
.sticky-cta.visible { display: flex; }

/* --- Responsive --- */
@media (max-width: 968px) {
  .feature-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .content-split { grid-template-columns: 1fr; gap: 30px; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; gap: 28px; }
  .next-steps-grid { grid-template-columns: 1fr; gap: 24px; }
  h1 { font-size: 2.4rem; }
  .hero { padding: 70px 0 80px; }
  .hero h1 { font-size: 2.6rem; }
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav { position: fixed; top: 0; right: -100%; width: 270px; height: 100vh; background: #fffaf0; box-shadow: -4px 0 20px rgba(0,0,0,.06); transition: right .3s; z-index: 200; padding: 70px 28px 28px; }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav li { border-bottom: 1px solid #f0dada; }
  .main-nav a { display: block; padding: 14px 0; }
  .nav-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.2); z-index: 150; }
  .nav-overlay.active { display: block; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 28px 20px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .section { padding: 50px 0; }
  .header-phone { display: none; }
  .hero-form { max-width: 100%; }
}

@media (min-width: 769px) {
  .sticky-cta { display: none !important; }
}