/* ============================================================
   Montana Health Insurance Agency — shared site styles
   Extracted from index.html. Loaded by every page after brand.css.
   ============================================================ */

    :root {
  --navy:        #002B4F;
  --navy-deep:   #001F3A;
  --navy-soft:   #315C82;
  --orange:      #C07A28;
  --orange-dark: #9F621F;
  --olive:       #6F806F;
  --cream:       #F7F4ED;
  --cream-2:     #FBFAF6;
  --ink:         #1F2D35;
  --muted:       #4D5E68;
  --line:        #D8DED9;
  --green:       #6F806F;
  --font-serif:  "Cormorant Garamond", Georgia, serif;
  --font-sans:   "Montserrat", Arial, sans-serif;
  --radius:      4px;
  --maxw:        1180px;
  --shadow:      0 10px 30px rgba(17, 39, 64, 0.08);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--cream-2);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-serif); color: var(--navy); line-height: 1.12; font-weight: 600; }
a { color: inherit; text-decoration: none; }
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.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; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-sans);
  font-weight: 600; font-size: 0.95rem; letter-spacing: 0.01em;
  padding: 13px 24px; border-radius: var(--radius);
  border: 1.5px solid transparent; cursor: pointer; transition: all 0.18s ease;
  white-space: nowrap;
}
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-deep); }
.btn-orange { background: var(--orange); color: #fff; border-color: var(--orange); }
.btn-orange:hover { background: var(--orange-dark); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
.btn-outline-light:hover { background: #fff; color: var(--navy); }
.btn-ghost-olive { background: transparent; color: #fff; border-color: rgba(255,255,255,0.55); }
.btn-ghost-olive:hover { background: rgba(255,255,255,0.12); }

/* ---------- Header ---------- */
.site-header { background: rgba(250, 247, 240, 0.96); border-bottom: 1px solid rgba(228, 221, 205, 0.75); position: sticky; top: 0; z-index: 50; backdrop-filter: blur(12px); }
.nav { display: flex; align-items: center; gap: 20px; padding: 14px 28px; max-width: var(--maxw); margin: 0 auto; position: relative; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand .logo-mark { width: 58px; height: 58px; flex: none; display: block; }
.brand-text { display: flex; flex-direction: column; justify-content: center; width: 132px; line-height: 1; text-align: center; }
.brand-text .b1 { font-family: var(--font-serif); font-weight: 700; color: var(--navy); font-size: 1.34rem; letter-spacing: 0.1em; }
.brand-text .b2 { font-family: var(--font-serif); font-size: 0.74rem; letter-spacing: 0.075em; color: var(--navy); margin-top: 4px; font-weight: 700; }
.brand-text .b3 { font-family: var(--font-sans); font-size: 0.58rem; letter-spacing: 0.18em; color: var(--green); margin-top: 5px; font-weight: 700; }

.main-nav { display: flex; align-items: center; gap: 18px; margin-left: auto; }
.main-nav a.navlink { font-size: 0.88rem; font-weight: 600; color: var(--navy); padding: 6px 2px; white-space: nowrap; }
.main-nav a.navlink:hover { color: var(--orange); }
.main-nav .btn { padding: 12px 18px; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; margin-left: auto; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: 0.2s; }

/* ---------- Hero ---------- */
.hero { position: relative; min-height: 560px; display: flex; align-items: stretch; background: var(--cream); overflow: hidden; }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(250,247,240,0.98) 0%, rgba(250,247,240,0.88) 18%, rgba(250,247,240,0.34) 30%, rgba(250,247,240,0.06) 42%, rgba(250,247,240,0) 51%); z-index: 1; pointer-events: none; }
.hero-text { position: relative; z-index: 3; width: 100%; display: flex; flex-direction: column; justify-content: center; padding: 74px 0; }
.hero-inner { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; width: 100%; }
.hero-copy { max-width: 520px; }
.hero h1 { font-size: clamp(3rem, 5.4vw, 5rem); font-weight: 600; letter-spacing: 0.005em; max-width: 500px; }
.hero p.lede { font-size: 1.14rem; color: #394655; margin: 26px 0 34px; max-width: 455px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-media { position: absolute; inset: 0; z-index: 0; }
.hero-media picture, .hero-media img { width: 100%; height: 100%; display: block; }
.hero-media img { object-fit: cover; object-position: center right; }
.hero-cta .btn-outline { border-color: var(--orange); color: var(--navy); background: rgba(250,247,240,0.36); }
.hero-cta .btn-outline:hover { background: var(--orange); border-color: var(--orange); color: #fff; }

/* ---------- 2027 Banner ---------- */
.banner { background: var(--olive); color: #fff; }
.banner-inner { display: flex; align-items: center; gap: 26px; padding: 26px 28px; max-width: var(--maxw); margin: 0 auto; }
.banner .compass-sm { width: 40px; height: 40px; flex: none; opacity: 0.92; }
.banner .divider { width: 1px; align-self: stretch; background: rgba(255,255,255,0.3); }
.banner-copy h3 { color: #fff; font-size: 1.5rem; font-weight: 600; }
.banner-copy p { font-size: 0.98rem; color: rgba(255,255,255,0.88); margin-top: 2px; }
.banner-cta { margin-left: auto; display: flex; align-items: center; gap: 18px; }
.banner-arrow { font-size: 1.5rem; opacity: 0.85; }

/* ---------- Section scaffolding ---------- */
section.pad { padding: 76px 0; }
.eyebrow-rule { width: 54px; height: 3px; background: var(--orange); margin: 14px auto 0; border-radius: 2px; }
.section-head { text-align: center; margin-bottom: 50px; }
.section-head h2 { font-size: 2.1rem; }

/* ---------- Who We Help ---------- */
.who { background: linear-gradient(180deg, #EEEADF 0%, #F7F4ED 100%); border-top: 1px solid rgba(111,128,111,0.16); border-bottom: 1px solid rgba(111,128,111,0.16); }
.who-grid { display: grid; grid-template-columns: 0.85fr 1fr 1fr 1fr; gap: 26px; align-items: stretch; }
.who-intro { display: flex; flex-direction: column; justify-content: center; padding: 10px 0; }
.who-intro h2 { font-size: 2.1rem; margin-bottom: 16px; }
.who-intro p { color: var(--muted); margin-bottom: 18px; }
.link-arrow { color: var(--orange); font-weight: 700; font-size: 0.95rem; display: inline-flex; gap: 7px; align-items: center; transition: gap 0.18s; }
.link-arrow:hover { gap: 11px; }
.card { background: rgba(255,255,255,0.9); border: 1px solid rgba(111,128,111,0.26); border-radius: var(--radius); padding: 32px 26px; text-align: center; min-height: 250px; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; box-shadow: 0 14px 38px rgba(0,43,79,0.055); transition: box-shadow 0.2s, transform 0.2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card .ic { color: var(--green); margin: 0 auto 16px; display: block; }
.card h3 { font-size: 1.28rem; margin-bottom: 10px; }
.card p { font-size: 0.96rem; color: var(--muted); }

/* ---------- Heavy Lifting ---------- */
.lifting { background: linear-gradient(180deg, #FFFDF8 0%, #F8F5EE 100%); }
.lift-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 8px; }
.lift-col { text-align: center; padding: 8px 14px; position: relative; }
.lift-col + .lift-col::before { content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 1px; background: var(--line); }
.lift-col .ic { color: var(--navy); margin: 0 auto 16px; display: block; }
.lift-col h4 { font-size: 1.06rem; margin-bottom: 9px; }
.lift-col p { font-size: 0.88rem; color: var(--muted); }

/* ---------- Employer Options + Why ---------- */
.options { background: #EFEADF; border-top: 1px solid rgba(111,128,111,0.16); }
.options-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 60px; align-items: start; }
.options h2, .why h2 { font-size: 1.9rem; position: relative; padding-bottom: 14px; margin-bottom: 30px; }
.options h2::after, .why h2::after { content: ""; position: absolute; left: 0; bottom: 0; width: 54px; height: 3px; background: var(--orange); border-radius: 2px; }
.opt-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.opt-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 16px; text-align: center; }
.opt-card .ic { margin: 0 auto 14px; display: block; }
.opt-card h4 { font-size: 1.02rem; margin-bottom: 9px; }
.opt-card p { font-size: 0.84rem; color: var(--muted); }

.why-list { display: flex; flex-direction: column; gap: 22px; }
.why-item { display: flex; gap: 14px; align-items: flex-start; }
.why-item .check { flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1.5px solid var(--green); color: var(--green); display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.why-item h4 { font-size: 1.05rem; margin-bottom: 2px; }
.why-item p { font-size: 0.92rem; color: var(--muted); }

/* ---------- Testimonial ---------- */
.testimonial { position: relative; color: #fff; text-align: center; overflow: hidden; min-height: 230px; }
.testimonial picture, .testimonial img { position: absolute; inset: 0; z-index: 0; width: 100%; height: 100%; display: block; }
.testimonial img { object-fit: cover; object-position: center; }
.testimonial::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(18,39,64,0.48), rgba(18,39,64,0.82)); z-index: 1; }
.testimonial .t-inner { position: relative; z-index: 2; max-width: 920px; margin: 0 auto; padding: 70px 28px; }
.t-quote-mark { font-family: var(--font-serif); font-size: 4.5rem; line-height: 0.4; color: rgba(255,255,255,0.6); display: block; margin-bottom: 8px; }
.testimonial blockquote { font-family: var(--font-serif); font-size: 1.7rem; font-style: italic; font-weight: 500; color: #fff; }
.testimonial cite { display: block; margin-top: 22px; font-style: normal; font-size: 0.98rem; color: rgba(255,255,255,0.9); font-family: var(--font-sans); }

/* ---------- Contact ---------- */
.contact { background: var(--navy-deep); color: #fff; }
.contact-grid { display: grid; grid-template-columns: 0.85fr 1.4fr; gap: 56px; padding: 70px 0; align-items: start; }
.contact h2 { color: #fff; font-size: 2.1rem; margin-bottom: 18px; }
.contact .c-lede { color: rgba(255,255,255,0.82); margin-bottom: 28px; max-width: 320px; }
.contact .c-cta { display: flex; gap: 14px; flex-wrap: wrap; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 22px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.82rem; font-weight: 600; color: rgba(255,255,255,0.85); }
.field input, .field select, .field textarea {
  font-family: var(--font-sans); font-size: 0.95rem;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius); padding: 11px 13px; color: #fff; width: 100%;
}
.field input::placeholder, .field textarea::placeholder { color: rgba(255,255,255,0.45); }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 13px center; }
.field select option { color: #002B4F; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--orange); background: rgba(255,255,255,0.1); }
.field textarea { resize: vertical; min-height: 60px; }
.form-note { grid-column: 1 / -1; font-size: 0.82rem; color: rgba(255,255,255,0.55); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.78); border-top: 1px solid rgba(255,255,255,0.08); }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1.2fr; gap: 36px; padding: 56px 0 40px; }
.footer-brand .logo-mark { width: 64px; height: 64px; background: var(--cream); border-radius: 50%; padding: 4px; }
.footer-brand .brand-text .b1 { color: #fff; font-weight: 700; }
.footer-brand .brand-text .b2 { color: rgba(255,255,255,0.9); font-weight: 700; }
.footer-brand .brand-text .b3 { color: rgba(255,255,255,0.82); font-weight: 700; }
.footer-contact { margin-top: 22px; display: flex; flex-direction: column; gap: 12px; font-size: 0.92rem; }
.footer-contact a, .footer-contact span { display: flex; gap: 11px; align-items: flex-start; color: rgba(255,255,255,0.82); }
.footer-contact a:hover { color: #fff; }
.footer-contact .ic { color: var(--orange); flex: none; margin-top: 2px; }
.footer-col h5 { color: #fff; font-family: var(--font-sans); font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 16px; font-weight: 700; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-col a { font-size: 0.92rem; color: rgba(255,255,255,0.75); }
.footer-col a:hover { color: var(--orange); }
.footer-col.disclaimer p { font-size: 0.8rem; line-height: 1.55; color: rgba(255,255,255,0.6); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 18px 0; font-size: 0.82rem; color: rgba(255,255,255,0.5); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero h1 { font-size: 3.1rem; }
  .who-grid { grid-template-columns: 1fr 1fr; }
  .who-intro { grid-column: 1 / -1; }
  .lift-grid { grid-template-columns: repeat(3, 1fr); gap: 24px 8px; }
  .lift-col:nth-child(3n+1)::before { display: none; }
  .options-grid { grid-template-columns: 1fr; gap: 48px; }
}
@media (max-width: 760px) {
  .main-nav { position: absolute; top: 100%; left: 0; right: 0; background: var(--cream-2); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 0; display: none; box-shadow: var(--shadow); margin-left: 0; }
  .main-nav.open { display: flex; }
  .main-nav a.navlink { padding: 13px 28px; border-bottom: 1px solid var(--line); }
  .main-nav .btn { margin: 12px 28px; justify-content: center; }
  .nav-toggle { display: block; }
  .hero { min-height: auto; }
  .hero::after { background: linear-gradient(180deg, rgba(250,247,240,0.98) 0%, rgba(250,247,240,0.88) 42%, rgba(250,247,240,0.18) 76%, rgba(250,247,240,0.04) 100%); }
  .hero-text { padding: 52px 0 260px; }
  .hero h1 { font-size: 2.7rem; }
  .hero-media img { object-position: center bottom; }
  .banner-inner { flex-wrap: wrap; }
  .banner .compass-sm, .banner .divider { display: none; }
  .banner-cta { margin-left: 0; width: 100%; }
  .who-grid { grid-template-columns: 1fr; }
  .lift-grid { grid-template-columns: 1fr 1fr; }
  .lift-col::before { display: none !important; }
  .opt-cards { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .form-grid { grid-template-columns: 1fr; }
  .testimonial blockquote { font-size: 1.3rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .brand-text { width: 124px; }
  .brand-text .b2 { letter-spacing: 0.055em; }
  .brand-text .b3 { letter-spacing: 0.14em; }
  section.pad { padding: 56px 0; }
}
@media (max-width: 460px) {
  .hero h1 { font-size: 2.2rem; }
  .opt-cards { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-cta .btn, .banner-cta .btn { width: 100%; justify-content: center; }
}

/* ============================================================
   Interior page styles (About / Employers / Individual / Medicare)
   ============================================================ */

/* Page hero — compact banner for interior pages */
.page-hero { position: relative; background: var(--navy-deep); color: #fff; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0.28; z-index: 0; }
.page-hero.has-img::before { background-image: var(--hero-img); }
.page-hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(0,31,58,0.92) 0%, rgba(0,31,58,0.72) 45%, rgba(0,31,58,0.55) 100%); z-index: 1; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero-inner { padding: 78px 0 70px; max-width: 680px; }
.breadcrumb { font-size: 0.8rem; letter-spacing: 0.04em; color: rgba(255,255,255,0.6); margin-bottom: 16px; text-transform: uppercase; }
.breadcrumb a { color: rgba(255,255,255,0.8); }
.breadcrumb a:hover { color: var(--orange); }
.page-hero h1 { color: #fff; font-size: clamp(2.4rem, 4.6vw, 3.5rem); font-weight: 600; }
.page-hero p.lede { color: rgba(255,255,255,0.86); font-size: 1.14rem; margin: 20px 0 30px; max-width: 560px; }
.page-hero .hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }

/* Generic prose + intro */
.intro { max-width: 760px; margin: 0 auto; text-align: center; }
.intro p { color: var(--muted); font-size: 1.08rem; }
.eyebrow { display: inline-block; font-family: var(--font-sans); font-size: 0.76rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--orange); margin-bottom: 14px; }

/* Plan / detail cards */
.detail-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.detail-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; box-shadow: 0 14px 38px rgba(0,43,79,0.05); display: flex; flex-direction: column; }
.detail-card .ic { color: var(--navy); margin-bottom: 16px; display: block; }
.detail-card h3 { font-size: 1.32rem; margin-bottom: 8px; }
.detail-card .tag { display: inline-block; align-self: flex-start; font-family: var(--font-sans); font-size: 0.68rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--green); background: rgba(111,128,111,0.12); border-radius: 999px; padding: 4px 11px; margin-bottom: 14px; }
.detail-card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 14px; }
.detail-card ul { list-style: none; display: flex; flex-direction: column; gap: 8px; margin-top: auto; }
.detail-card li { position: relative; padding-left: 24px; font-size: 0.9rem; color: var(--ink); }
.detail-card li::before { content: ""; position: absolute; left: 0; top: 7px; width: 12px; height: 12px; border-radius: 50%; border: 2px solid var(--green); }

/* Process timeline */
.process { background: var(--navy-deep); color: #fff; }
.process .section-head h2 { color: #fff; }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.process-step { position: relative; padding-top: 8px; }
.process-step .num { counter-increment: step; font-family: var(--font-serif); font-size: 2.4rem; color: var(--orange); font-weight: 600; line-height: 1; }
.process-step .num::before { content: "0" counter(step); }
.process-step h4 { color: #fff; font-size: 1.12rem; margin: 12px 0 8px; }
.process-step p { color: rgba(255,255,255,0.74); font-size: 0.92rem; }
.process-step + .process-step::before { content: ""; position: absolute; left: -14px; top: 18px; width: 1px; height: 70%; background: rgba(255,255,255,0.14); }

/* Split / two-column feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split.narrow-left { grid-template-columns: 0.9fr 1.1fr; }
.split h2 { font-size: 2rem; position: relative; padding-bottom: 14px; margin-bottom: 22px; }
.split h2::after { content: ""; position: absolute; left: 0; bottom: 0; width: 54px; height: 3px; background: var(--orange); border-radius: 2px; }
.split p { color: var(--muted); margin-bottom: 16px; }
.media-card { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.media-card img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* Stat / highlight strip */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; text-align: center; }
.stat .n { font-family: var(--font-serif); font-size: 2.6rem; color: var(--navy); font-weight: 600; }
.stat .l { font-size: 0.92rem; color: var(--muted); margin-top: 4px; }

/* FAQ accordion */
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 0; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { cursor: pointer; list-style: none; padding: 22px 4px; font-family: var(--font-serif); font-size: 1.2rem; color: var(--navy); font-weight: 600; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--font-sans); font-size: 1.5rem; color: var(--orange); flex: none; transition: transform 0.2s; }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { color: var(--muted); font-size: 0.98rem; padding: 0 4px 22px; max-width: 720px; }

/* CTA band */
.cta-band { background: var(--olive); color: #fff; }
.cta-inner { display: flex; align-items: center; gap: 30px; padding: 48px 0; flex-wrap: wrap; }
.cta-inner h2 { color: #fff; font-size: 1.9rem; flex: 1 1 420px; }
.cta-inner .cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* nav active state */
.main-nav a.navlink.active { color: var(--orange); }

@media (max-width: 1024px) {
  .detail-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr 1fr; gap: 34px 26px; }
  .process-step:nth-child(odd)::before { display: none; }
  .split, .split.narrow-left { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 760px) {
  .process-grid { grid-template-columns: 1fr; }
  .process-step::before { display: none !important; }
  .stats { grid-template-columns: 1fr; gap: 22px; }
  .page-hero-inner { padding: 56px 0 50px; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
}

/* ============================================================
   Resources pages (FAQ / Glossary / Forms / Carriers)
   ============================================================ */
.glossary { max-width: 820px; margin: 0 auto; }
.glossary dt { font-family: var(--font-serif); font-size: 1.18rem; color: var(--navy); font-weight: 600; margin-top: 22px; }
.glossary dd { margin: 6px 0 0; color: var(--muted); font-size: 0.98rem; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.glossary dd:last-child { border-bottom: none; }

.logo-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.logo-tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); min-height: 96px; display: flex; align-items: center; justify-content: center; color: var(--muted); font-family: var(--font-serif); font-size: 1.1rem; text-align: center; padding: 12px; }

.note { background: rgba(192,122,40,0.08); border: 1px solid rgba(192,122,40,0.32); border-radius: var(--radius); padding: 14px 18px; font-size: 0.92rem; color: var(--ink); }
.note strong { color: var(--navy); }

.checklist { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.checklist li { position: relative; padding-left: 30px; color: var(--ink); font-size: 0.98rem; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 3px; width: 18px; height: 18px; border-radius: 4px; border: 2px solid var(--green); }

@media (max-width: 760px) { .logo-grid { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   Legal pages + footer legal/social row
   ============================================================ */
.legal { max-width: 820px; margin: 0 auto; }
.legal .updated { color: var(--muted); font-size: 0.9rem; margin-bottom: 26px; }
.legal h2 { font-size: 1.4rem; margin: 34px 0 10px; }
.legal h3 { font-size: 1.08rem; margin: 22px 0 6px; color: var(--navy); }
.legal p, .legal li { color: var(--ink); font-size: 0.98rem; line-height: 1.75; margin-bottom: 12px; }
.legal ul { padding-left: 22px; margin-bottom: 16px; }
.legal a { color: var(--navy); text-decoration: underline; }
.legal a:hover { color: var(--orange); }
.legal .note { margin-bottom: 30px; }

.form-consent { grid-column: 1 / -1; font-size: 0.8rem; color: rgba(255,255,255,0.6); }
.form-consent a { color: rgba(255,255,255,0.85); text-decoration: underline; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* footer bottom: copyright + legal links + social */
.footer-bottom { align-items: center; }
.footer-legal-links { display: flex; gap: 14px; flex-wrap: wrap; }
.footer-legal-links a { color: rgba(255,255,255,0.55); }
.footer-legal-links a:hover { color: #fff; }
.footer-social { display: flex; gap: 14px; margin-left: auto; }
.footer-social a { color: rgba(255,255,255,0.7); display: inline-flex; }
.footer-social a:hover { color: var(--orange); }
@media (max-width: 760px) {
  .footer-social { margin-left: 0; }
}