/* ═══════════════════════════════════════════════════════
   InsureCompare — Global Stylesheet
   Font: DM Serif Display + DM Sans
   Theme: Navy / Blue / Gold — Professional Insurance
═══════════════════════════════════════════════════════ */

/* ─── CSS Variables ─── */
:root {
    --navy:     #0a1628;
    --navy-2:   #112244;
    --navy-3:   #1a3060;
    --blue:     #1a56ff;
    --blue-2:   #0033cc;
    --blue-3:   #e8f0ff;
    --gold:     #f5a623;
    --gold-2:   #e09000;
    --white:    #ffffff;
    --gray-1:   #f4f6fb;
    --gray-2:   #e2e8f0;
    --gray-3:   #94a3b8;
    --gray-4:   #475569;
    --text:     #1e293b;
    --green:    #10b981;
    --red:      #ef4444;

    --font-d:   'DM Serif Display', Georgia, serif;
    --font-b:   'DM Sans', system-ui, sans-serif;

    --r-sm:  6px;
    --r-md:  12px;
    --r-lg:  20px;
    --r-xl:  32px;

    --shadow-sm: 0 2px 8px rgba(10,22,40,.07);
    --shadow-md: 0 8px 32px rgba(10,22,40,.11);
    --shadow-lg: 0 20px 60px rgba(10,22,40,.16);

    --ease: cubic-bezier(.4,0,.2,1);
    --dur:  0.22s;

    --max-w: 1200px;
    --section-py: 80px;
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font-b); color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { padding-left: 1.5em; }

/* ─── Utilities ─── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section    { padding: var(--section-py) 24px; }
.section--light { background: var(--gray-1); }
.section--dark  { background: var(--navy); }

/* ─── Typography ─── */
.section-eyebrow {
    font-size: .78rem; font-weight: 700; text-transform: uppercase;
    letter-spacing: .1em; color: var(--blue); margin-bottom: 12px;
}
.section-title {
    font-family: var(--font-d);
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    color: var(--navy); line-height: 1.2; margin-bottom: 16px;
}
.section-desc {
    font-size: 1.05rem; color: var(--gray-4);
    max-width: 600px; margin: 0 auto;
}
.section-header { text-align: center; margin-bottom: 52px; }

/* ═══════════════════════════════════════
   HEADER / NAV
═══════════════════════════════════════ */
.site-header {
    background: var(--navy);
    position: sticky; top: 0; z-index: 200;
    border-bottom: 1px solid rgba(255,255,255,.07);
    backdrop-filter: blur(10px);
}
.header-inner {
    max-width: var(--max-w); margin: 0 auto;
    padding: 0 24px; height: 64px;
    display: flex; align-items: center; gap: 32px;
}
.logo {
    font-family: var(--font-d); font-size: 1.35rem;
    color: var(--white); white-space: nowrap;
    margin-right: auto;
}
.logo span { color: var(--gold); }

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
    font-size: .83rem; font-weight: 500;
    color: rgba(255,255,255,.7);
    padding: 8px 10px; border-radius: var(--r-sm);
    transition: all var(--dur) var(--ease);
    white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
    color: var(--white); background: rgba(255,255,255,.1);
}

.btn-header-cta {
    background: var(--gold); color: var(--navy);
    font-weight: 700; font-size: .83rem;
    padding: 10px 20px; border-radius: var(--r-sm);
    white-space: nowrap;
    transition: background var(--dur) var(--ease);
    flex-shrink: 0;
}
.btn-header-cta:hover { background: var(--gold-2); }
.btn-header-cta .arrow { display: inline-block; transition: transform var(--dur) var(--ease); }
.btn-header-cta:hover .arrow { transform: translateX(4px); }

/* Mobile nav toggle */
.nav-toggle {
    display: none; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 8px;
}
.nav-toggle span {
    display: block; width: 22px; height: 2px;
    background: var(--white); border-radius: 2px;
    transition: all var(--dur) var(--ease);
}

/* ═══════════════════════════════════════
   HERO — Base
═══════════════════════════════════════ */
.hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 55%, var(--navy-3) 100%);
    position: relative; overflow: hidden;
    padding: 80px 24px 100px;
}
.hero-inner {
    max-width: var(--max-w); margin: 0 auto;
    display: grid; grid-template-columns: 1fr 460px;
    gap: 60px; align-items: center; position: relative; z-index: 1;
}
.hero-badge {
    display: inline-flex; align-items: center; gap: 6px;
    background: rgba(245,166,35,.15);
    border: 1px solid rgba(245,166,35,.3);
    color: var(--gold); font-size: .78rem; font-weight: 700;
    letter-spacing: .06em; text-transform: uppercase;
    padding: 6px 14px; border-radius: 100px; margin-bottom: 20px;
}
.hero-title {
    font-family: var(--font-d);
    font-size: clamp(2rem, 4vw, 3.2rem);
    line-height: 1.1; color: var(--white); margin-bottom: 18px;
}
.hero-title em { font-style: italic; color: var(--gold); }
.hero-subtitle {
    font-size: 1.08rem; color: rgba(255,255,255,.72);
    max-width: 480px; margin-bottom: 28px; line-height: 1.7;
}
.hero-subtitle strong { color: var(--white); }

/* Home hero shapes */
.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; }
.shape {
    position: absolute; border-radius: 50%; opacity: .12;
    background: radial-gradient(circle, var(--blue), transparent);
}
.shape-1 { width: 600px; height: 600px; top: -200px; right: -100px; }
.shape-2 { width: 300px; height: 300px; bottom: -100px; left: 10%; background: radial-gradient(circle, var(--gold), transparent); }
.shape-3 { width: 200px; height: 200px; top: 20%; left: 40%; }

/* Home — hero category buttons */
.hero-categories {
    display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px;
}
.hero-cat-btn {
    display: flex; align-items: center; gap: 8px;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    color: var(--white); font-size: .875rem; font-weight: 500;
    padding: 10px 16px; border-radius: var(--r-sm);
    transition: all var(--dur) var(--ease);
}
.hero-cat-btn:hover { background: rgba(255,255,255,.18); transform: translateY(-2px); }
.hero-cat-icon { font-size: 1.1rem; }

/* Home stats */
.hero-stats-home {
    display: flex; gap: 32px; flex-wrap: wrap;
}
.stat-home {
    display: flex; flex-direction: column; gap: 2px;
}
.stat-home strong {
    font-family: var(--font-d); font-size: 1.6rem; color: var(--white);
}
.stat-home span { font-size: .75rem; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .05em; }

/* Category hero extras */
.hero--category { padding: 60px 24px 80px; }
.hero-kpi-bar {
    display: flex; gap: 24px; margin: 20px 0;
    flex-wrap: wrap;
}
.kpi {
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    padding: 8px 16px; border-radius: 100px;
}
.kpi strong { color: var(--white); font-size: .9rem; }
.keyword-pills { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.kw-pill {
    background: rgba(26,86,255,.25);
    border: 1px solid rgba(26,86,255,.4);
    color: rgba(255,255,255,.85); font-size: .75rem;
    padding: 4px 12px; border-radius: 100px;
}

/* ═══════════════════════════════════════
   QUOTE FORM CARD
═══════════════════════════════════════ */
.quote-card {
    background: var(--white); border-radius: var(--r-lg);
    padding: 36px; box-shadow: var(--shadow-lg);
    position: relative;
}
.quote-card::before {
    content: ''; position: absolute;
    top: -2px; left: -2px; right: -2px; height: 4px;
    background: linear-gradient(90deg, var(--blue), var(--gold));
    border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.quote-card-badge {
    display: inline-block;
    background: var(--blue-3); color: var(--blue);
    font-size: .75rem; font-weight: 700; letter-spacing: .05em;
    padding: 4px 12px; border-radius: 100px; margin-bottom: 12px;
}
.form-title { font-family: var(--font-d); font-size: 1.5rem; color: var(--navy); margin-bottom: 4px; }
.form-subtitle { font-size: .82rem; color: var(--gray-3); margin-bottom: 20px; }
.form-group { margin-bottom: 14px; }
.form-label {
    display: block; font-size: .75rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .05em;
    color: var(--navy); margin-bottom: 5px;
}
.form-control {
    width: 100%; padding: 11px 14px;
    border: 1.5px solid var(--gray-2);
    border-radius: var(--r-sm); font-family: var(--font-b);
    font-size: .93rem; color: var(--text); background: var(--gray-1);
    transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
    appearance: none;
}
.form-control:focus {
    outline: none; border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(26,86,255,.1);
    background: var(--white);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.btn-quote {
    width: 100%; padding: 15px;
    background: linear-gradient(135deg, var(--blue), var(--blue-2));
    color: var(--white); font-family: var(--font-b);
    font-size: .97rem; font-weight: 700;
    border: none; border-radius: var(--r-sm);
    cursor: pointer; margin-top: 6px;
    transition: all var(--dur) var(--ease);
}
.btn-quote:hover { transform: translateY(-1px); box-shadow: 0 8px 24px rgba(26,86,255,.35); }
.form-trust {
    display: flex; align-items: center; justify-content: center;
    gap: 10px; font-size: .78rem; color: var(--gray-3); margin-top: 12px;
}

/* ═══════════════════════════════════════
   TRUST BAR
═══════════════════════════════════════ */
.trust-bar {
    background: var(--blue-3);
    border-bottom: 1px solid var(--gray-2);
    padding: 14px 24px;
}
.trust-inner {
    max-width: var(--max-w); margin: 0 auto;
    display: flex; align-items: center; justify-content: center;
    gap: 36px; flex-wrap: wrap;
}
.trust-item {
    display: flex; align-items: center; gap: 8px;
    font-size: .83rem; color: var(--navy); font-weight: 500;
}
.trust-icon {
    width: 30px; height: 30px;
    background: var(--white); border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    box-shadow: var(--shadow-sm); font-size: .9rem;
}

/* ═══════════════════════════════════════
   AD BLOCKS
═══════════════════════════════════════ */
.ad-section { padding: 28px 24px; }
.ad-section--gray { background: var(--gray-1); }
.ad-wrapper { display: flex; flex-direction: column; align-items: center; }
.ad-label {
    font-size: .68rem; color: var(--gray-3);
    text-transform: uppercase; letter-spacing: .08em; margin-bottom: 6px;
}
.ad-placeholder {
    background: var(--gray-1); border: 2px dashed var(--gray-2);
    border-radius: var(--r-md); display: flex;
    align-items: center; justify-content: center;
    color: var(--gray-3); font-size: .8rem; text-align: center;
    padding: 20px;
}

/* ═══════════════════════════════════════
   CATEGORY CARDS (Home page)
═══════════════════════════════════════ */
.category-cards {
    display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 20px;
}
.category-card {
    display: flex; flex-direction: column;
    background: var(--white); border-radius: var(--r-md);
    padding: 28px; border: 2px solid var(--gray-2);
    transition: all var(--dur) var(--ease);
    position: relative; overflow: hidden;
}
.category-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: var(--cat-color, var(--blue));
}
.category-card:hover {
    border-color: var(--cat-color, var(--blue));
    box-shadow: var(--shadow-md); transform: translateY(-4px);
}
.cat-card-icon { font-size: 2.2rem; margin-bottom: 14px; }
.cat-card-title {
    font-family: var(--font-d); font-size: 1.2rem;
    color: var(--navy); margin-bottom: 10px;
}
.cat-card-meta {
    display: flex; gap: 10px; flex-wrap: wrap;
    font-size: .75rem; color: var(--gray-3); margin-bottom: 14px;
}
.cat-card-keywords { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 20px; }
.kw-chip {
    font-size: .72rem; padding: 3px 10px;
    background: var(--gray-1); border-radius: 100px;
    color: var(--gray-4);
}
.cat-card-cta {
    margin-top: auto; font-weight: 700; font-size: .875rem;
    color: var(--cat-color, var(--blue));
}
.cat-card-cta span { transition: transform var(--dur) var(--ease); display: inline-block; }
.category-card:hover .cat-card-cta span { transform: translateX(4px); }

/* ═══════════════════════════════════════
   STEPS
═══════════════════════════════════════ */
.steps-grid {
    display: grid; grid-template-columns: repeat(3,1fr);
    gap: 40px; position: relative;
}
.steps-grid::before {
    content: ''; position: absolute;
    top: 40px; left: calc(16.66% + 20px); right: calc(16.66% + 20px);
    height: 2px; background: linear-gradient(90deg, var(--blue), var(--gold));
}
.step { text-align: center; }
.step-num {
    width: 80px; height: 80px; border-radius: 50%;
    background: linear-gradient(135deg, var(--blue), var(--navy));
    color: var(--white); font-family: var(--font-d); font-size: 1.8rem;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px; position: relative; z-index: 1;
    box-shadow: 0 8px 24px rgba(26,86,255,.28);
}
.step-icon { font-size: 1.8rem; margin-bottom: 12px; }
.step-title { font-family: var(--font-d); font-size: 1.2rem; color: var(--navy); margin-bottom: 10px; }
.step-desc { font-size: .88rem; color: var(--gray-4); line-height: 1.7; }

/* ═══════════════════════════════════════
   PROVIDER CARDS
═══════════════════════════════════════ */
.provider-grid {
    display: grid; grid-template-columns: repeat(auto-fill, minmax(340px,1fr));
    gap: 20px;
}
.provider-card {
    background: var(--white); border-radius: var(--r-md);
    padding: 28px; border: 1.5px solid var(--gray-2);
    transition: all var(--dur) var(--ease);
    position: relative; overflow: hidden;
}
.provider-card:hover { border-color: var(--blue); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.provider-card.featured { border-color: var(--gold); }
.card-featured-ribbon {
    position: absolute; top: 18px; right: -32px;
    background: var(--gold); color: var(--navy);
    font-size: .68rem; font-weight: 800; letter-spacing: .08em;
    padding: 5px 40px; transform: rotate(45deg);
}
.provider-top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 16px; }
.provider-name { font-family: var(--font-d); font-size: 1.3rem; color: var(--navy); }
.provider-badge {
    font-size: .7rem; font-weight: 700; padding: 4px 10px;
    border-radius: 100px; background: var(--blue-3); color: var(--blue);
    white-space: nowrap;
}
.provider-rating { display: flex; align-items: center; gap: 6px; margin-top: 4px; }
.stars { color: var(--gold); font-size: .95rem; }
.rating-num { font-weight: 700; color: var(--navy); font-size: .85rem; }
.provider-savings {
    font-family: var(--font-d); font-size: 1.6rem;
    color: var(--green); margin-bottom: 4px;
}
.provider-features { list-style: none; padding: 0; margin: 16px 0 20px; }
.provider-features li {
    font-size: .84rem; color: var(--gray-4);
    padding: 4px 0 4px 20px; position: relative;
}
.provider-features li::before { content: '✓'; position: absolute; left: 0; color: var(--green); font-weight: 700; }
.btn-provider {
    display: block; text-align: center; padding: 11px;
    border-radius: var(--r-sm); font-weight: 700; font-size: .875rem;
    border: 2px solid var(--blue); color: var(--blue);
    transition: all var(--dur) var(--ease);
}
.btn-provider:hover, .btn-provider--primary { background: var(--blue); color: var(--white); }

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-layout { display: grid; grid-template-columns: 1fr 320px; gap: 60px; align-items: start; }
.faq-item { border-bottom: 1px solid var(--gray-2); padding: 18px 0; }
.faq-question {
    font-weight: 600; font-size: .97rem; color: var(--navy);
    cursor: pointer; display: flex; justify-content: space-between;
    align-items: center; gap: 12px; list-style: none;
}
.faq-question::-webkit-details-marker { display: none; }
.faq-icon {
    width: 26px; height: 26px; border-radius: 50%;
    background: var(--blue-3); color: var(--blue);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem; flex-shrink: 0;
    transition: transform var(--dur) var(--ease);
}
details[open] .faq-icon { transform: rotate(45deg); }
.faq-answer { font-size: .88rem; color: var(--gray-4); line-height: 1.75; padding-top: 12px; }
.faq-sidebar { position: sticky; top: 80px; display: flex; flex-direction: column; gap: 20px; }

/* Related box */
.related-box {
    background: var(--white); border: 1.5px solid var(--gray-2);
    border-radius: var(--r-md); padding: 20px;
}
.related-box h4 { font-size: .85rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; text-transform: uppercase; letter-spacing: .05em; }
.related-link {
    display: flex; align-items: center; justify-content: space-between;
    padding: 9px 0; border-bottom: 1px solid var(--gray-2);
    font-size: .875rem; color: var(--gray-4);
    transition: color var(--dur) var(--ease);
}
.related-link:last-child { border-bottom: none; }
.related-link:hover { color: var(--blue); }
.related-arrow { font-size: .75rem; }

/* ═══════════════════════════════════════
   CONTENT ARTICLE
═══════════════════════════════════════ */
.content-article {
    max-width: 780px; margin: 0 auto;
    background: var(--white); border-radius: var(--r-lg);
    padding: 52px; box-shadow: var(--shadow-sm);
}
.content-article h2 {
    font-family: var(--font-d); font-size: 1.65rem;
    color: var(--navy); margin: 36px 0 14px;
    padding-top: 10px; border-top: 3px solid var(--blue-3);
}
.content-article h2:first-child { border-top: none; margin-top: 0; }
.content-article h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin: 24px 0 10px; }
.content-article p  { font-size: .93rem; color: var(--gray-4); line-height: 1.8; margin-bottom: 14px; }
.content-article li { font-size: .93rem; color: var(--gray-4); line-height: 1.7; margin-bottom: 8px; }
.info-box {
    background: var(--blue-3); border-left: 4px solid var(--blue);
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
    padding: 18px 22px; margin: 22px 0;
}
.info-box p, .info-box strong { color: var(--navy); margin: 0; }

/* ─── Data Table ─── */
.data-table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: .85rem; }
.data-table th {
    background: var(--navy); color: var(--white);
    padding: 11px 16px; text-align: left; font-weight: 600;
}
.data-table td { padding: 11px 16px; border-bottom: 1px solid var(--gray-2); color: var(--gray-4); }
.data-table tr:nth-child(even) td { background: var(--gray-1); }
.comp-badge { font-size: .72rem; font-weight: 700; padding: 3px 10px; border-radius: 100px; }
.comp-badge--high { background: rgba(239,68,68,.1); color: var(--red); }

/* ═══════════════════════════════════════
   INSURERS GRID (Home)
═══════════════════════════════════════ */
.insurers-grid {
    display: flex; flex-wrap: wrap; gap: 12px; justify-content: center;
}
.insurer-badge {
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    color: rgba(255,255,255,.8); font-weight: 600;
    font-size: .875rem; padding: 10px 20px;
    border-radius: var(--r-sm);
    transition: all var(--dur) var(--ease);
}
.insurer-badge:hover { background: rgba(255,255,255,.2); color: var(--white); }

/* ═══════════════════════════════════════
   CTA BANNER
═══════════════════════════════════════ */
.cta-banner {
    background: linear-gradient(135deg, var(--navy), var(--blue-2));
    padding: 80px 24px; text-align: center;
    position: relative; overflow: hidden;
}
.cta-banner::before {
    content: ''; position: absolute; inset: 0;
    background: radial-gradient(ellipse 600px 300px at center, rgba(26,86,255,.25), transparent 70%);
}
.cta-banner .container { position: relative; }
.cta-banner h2 {
    font-family: var(--font-d);
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    color: var(--white); margin-bottom: 14px;
}
.cta-banner p { color: rgba(255,255,255,.72); font-size: 1.05rem; margin-bottom: 32px; }
.btn-cta {
    display: inline-flex; align-items: center; gap: 10px;
    background: var(--gold); color: var(--navy);
    font-weight: 800; font-size: 1.05rem;
    padding: 16px 36px; border-radius: var(--r-sm);
    transition: all var(--dur) var(--ease);
}
.btn-cta:hover { background: var(--gold-2); transform: translateY(-2px); box-shadow: 0 12px 32px rgba(245,166,35,.35); }

/* ═══════════════════════════════════════
   BREADCRUMB
═══════════════════════════════════════ */
.breadcrumb-wrapper { background: var(--gray-1); border-bottom: 1px solid var(--gray-2); padding: 10px 24px; }
.breadcrumb ol { display: flex; gap: 8px; list-style: none; padding: 0; font-size: .8rem; color: var(--gray-3); }
.breadcrumb li + li::before { content: '/'; margin-right: 8px; }
.breadcrumb a { color: var(--blue); }
.breadcrumb [aria-current] { color: var(--gray-4); }

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.site-footer { background: var(--navy); }
.footer-top { padding: 60px 24px 40px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
.footer-logo { font-family: var(--font-d); font-size: 1.3rem; color: var(--white); margin-bottom: 12px; }
.footer-tagline { color: var(--gold); font-size: .85rem; font-weight: 600; margin-bottom: 12px; }
.footer-about { font-size: .83rem; color: rgba(255,255,255,.45); line-height: 1.7; }
.footer-links-group h4 { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.5); margin-bottom: 14px; }
.footer-links-group ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.footer-links-group a { font-size: .85rem; color: rgba(255,255,255,.55); transition: color var(--dur) var(--ease); }
.footer-links-group a:hover { color: var(--white); }
.footer-bottom { padding: 24px; text-align: center; }
.footer-bottom .footer-inner { grid-template-columns: 1fr; gap: 10px; text-align: center; }
.footer-bottom p { font-size: .8rem; color: rgba(255,255,255,.35); }
.footer-disclaimer { max-width: 700px; margin: 10px auto 0; font-size: .75rem; color: rgba(255,255,255,.3); line-height: 1.7; }

/* ═══════════════════════════════════════
   ANIMATIONS
═══════════════════════════════════════ */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(24px); }
    to   { opacity: 1; transform: translateY(0); }
}
.hero-content > * { animation: fadeInUp .7s ease both; }
.hero-badge    { animation-delay: .05s; }
.hero-title    { animation-delay: .15s; }
.hero-subtitle { animation-delay: .25s; }
.hero-categories, .hero-kpi-bar, .hero-stats-home { animation-delay: .35s; }
.keyword-pills { animation-delay: .4s; }
.quote-card    { animation: fadeInUp .8s .25s ease both; }

/* ═══════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════ */
@media (max-width: 1024px) {
    .main-nav { display: none; }
    .nav-toggle { display: flex; }
    .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
    .hero-inner { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr; }
    .steps-grid::before { display: none; }
    .faq-layout { grid-template-columns: 1fr; }
    .faq-sidebar .ad-wrapper { display: none; }
    .provider-grid { grid-template-columns: 1fr; }
    .category-cards { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
    :root { --section-py: 48px; }
    .hero { padding: 48px 20px 60px; }
    .quote-card { padding: 24px 18px; }
    .form-row { grid-template-columns: 1fr; }
    .content-article { padding: 28px 20px; }
    .trust-inner { gap: 16px; }
    .hero-stats-home { gap: 20px; }
    .footer-inner { grid-template-columns: 1fr; gap: 28px; }
    .category-cards { grid-template-columns: 1fr; }
}

/* Mobile nav open state */
.main-nav.is-open {
    display: flex; flex-direction: column;
    position: fixed; top: 64px; left: 0; right: 0;
    background: var(--navy); padding: 16px;
    border-top: 1px solid rgba(255,255,255,.1);
    z-index: 199;
}