/* =====================================================================
   InsureOn Accelerate — style.css
   Shared stylesheet for the landing page and all compliance pages.
   ===================================================================== */
:root {
  --navy: #0b2a4a;
  --navy-800: #0f3a66;
  --navy-900: #071c33;
  --teal: #2456d6;
  --teal-700: #1a43ab;
  --teal-50: #e9eefc;
  --gold: #f0a030;
  --gold-50: #fff6e5;
  --bg: #f5f4f0;
  --card: #ffffff;
  --text: #0f172a;
  --text-2: #334155;
  --muted: #5b6b7f;
  --border: #e3e8ef;
  --alert-bg: #fff4f2;
  --alert: #9f1d15;
  --radius: 16px;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, .05), 0 1px 3px rgba(15, 23, 42, .06);
  --shadow-md: 0 6px 16px -4px rgba(15, 23, 42, .12);
  --shadow-lg: 0 20px 40px -12px rgba(15, 23, 42, .18);
  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-head: 'Plus Jakarta Sans', 'Inter', system-ui, sans-serif;
  --max: 880px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); }
code { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: .92em; background: #eef2f7; padding: 1px 5px; border-radius: 4px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Advertorial label bar ---------- */
.adv-bar {
  background: var(--navy-900);
  color: #e2e8f0;
  text-align: center;
  padding: 7px 16px;
  font-size: 11px;
  line-height: 1.5;
}
.adv-bar__label { font-weight: 800; letter-spacing: .2em; text-transform: uppercase; }
.adv-bar__sub { color: #94a3b8; margin-left: 10px; font-weight: 500; }

/* ---------- Header ---------- */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: var(--shadow-sm);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 12px;
  padding-bottom: 12px;
}
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: inherit; }
.brand__mark { width: 40px; height: 45px; flex-shrink: 0; }
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font-family: var(--font-head); font-weight: 800; font-size: 20px; color: var(--navy); letter-spacing: -.01em; }
.brand__tag { font-size: 10.5px; font-weight: 700; letter-spacing: .28em; text-transform: uppercase; color: var(--teal); margin-top: 4px; }
.brand--dark .brand__name { color: #fff; }
.brand--dark .brand__tag { color: var(--gold); }
.brand--dark .m-shield { fill: #173f6d; }
.site-nav { display: flex; gap: 20px; font-size: 14px; font-weight: 600; }
.site-nav a { color: var(--text-2); text-decoration: none; }
.site-nav a:hover { color: var(--teal); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: 10px;
  font-family: inherit;
  font-weight: 700;
  font-size: 15px;
  line-height: 1.2;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background-color .15s ease;
}
.btn--primary { background: var(--teal); color: #fff; box-shadow: 0 4px 12px rgba(36, 86, 214, .28); }
.btn--primary:hover { background: var(--teal-700); transform: translateY(-1px); box-shadow: 0 8px 18px rgba(36, 86, 214, .32); }
.btn--ghost { background: transparent; color: var(--text-2); border-color: var(--border); }
.btn--ghost:hover { background: #f8fafc; }
.btn--lg { padding: 16px 32px; font-size: 18px; border-radius: 12px; }
.btn--sm { padding: 8px 14px; font-size: 13px; }
.btn--block { width: 100%; }
.btn__arrow { font-size: .8em; transition: transform .15s; }
.btn:hover .btn__arrow { transform: translateX(3px); }

/* ---------- Cards / layout ---------- */
.card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.page { padding-top: 28px; }
.title-card { padding: 32px 36px; margin-bottom: 24px; }
.eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--teal); margin: 0 0 12px; }
.headline {
  font-family: var(--font-head);
  font-size: 34px;
  line-height: 1.2;
  letter-spacing: -.02em;
  margin: 0 0 22px;
  color: var(--navy-900);
}

/* ---------- Byline ---------- */
.byline {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}
.byline__author { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--muted); }
.byline__avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--teal-50); border: 1px solid var(--border);
  display: grid; place-items: center; flex-shrink: 0;
}
.byline__avatar svg { width: 22px; height: 25px; }
.byline b { color: var(--text); }
.share { display: flex; gap: 8px; }
.share a {
  width: 32px; height: 32px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  color: #fff; text-decoration: none; transition: opacity .15s;
}
.share a:hover { opacity: .85; }
.share svg { width: 15px; height: 15px; fill: currentColor; }
.share--fb { background: #1877f2; }
.share--x { background: #111; }
.share--mail { background: var(--navy); }

/* ---------- Article ---------- */
.article { padding: 36px; }
.hero { margin: 0 0 26px; }
.hero img { border-radius: 12px; width: 100%; }
.hero figcaption { font-size: 12px; color: var(--muted); margin-top: 8px; }
.article p { font-size: 17px; color: var(--text-2); margin: 0 0 20px; line-height: 1.7; }
.callout {
  background: var(--alert-bg);
  border-left: 4px solid var(--teal);
  padding: 16px 20px;
  border-radius: 0 10px 10px 0;
  color: var(--alert) !important;
  font-weight: 700;
  font-style: italic;
  font-size: 18px !important;
}
.article h2 {
  font-family: var(--font-head);
  font-size: 23px;
  margin: 36px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid #ece9e1;
  color: var(--navy-900);
  letter-spacing: -.01em;
}
.article a.inline { color: var(--teal); font-weight: 600; text-underline-offset: 3px; }
.steps { list-style: none; padding: 0; margin: 0 0 8px; counter-reset: step; }
.steps li {
  position: relative; padding: 4px 0 0 54px; margin-bottom: 16px;
  font-size: 17px; color: var(--text-2); line-height: 1.6; counter-increment: step;
}
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 0;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: #fff;
  font-family: var(--font-head); font-weight: 800; font-size: 17px;
  display: grid; place-items: center;
}
.checks { list-style: none; padding: 0; margin: 0 0 8px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; font-size: 17px; color: var(--text-2); margin-bottom: 12px; line-height: 1.6; }
.checks svg { flex-shrink: 0; width: 22px; height: 22px; fill: var(--teal); margin-top: 3px; }
/* ---------- Age selector ---------- */
.age-section { margin: 34px 0; background: #f8fafc; border: 1px solid var(--border); border-radius: 14px; padding: 22px; }
.age-banner {
  display: block; text-align: center;
  background: linear-gradient(135deg, var(--teal), #173f9e);
  color: #fff; font-family: var(--font-head); font-weight: 800; font-size: 20px;
  padding: 18px 22px; border-radius: 10px; text-decoration: none; margin-bottom: 18px;
  box-shadow: 0 6px 16px rgba(36, 86, 214, .28);
  transition: transform .15s, box-shadow .15s;
}
.age-banner:hover { transform: translateY(-2px); box-shadow: 0 10px 22px rgba(36, 86, 214, .35); }
.age-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.age-card {
  display: flex; flex-direction: column;
  background: #fff; border: 2px solid var(--border); border-radius: 12px; overflow: hidden;
  text-decoration: none; box-shadow: var(--shadow-sm);
  transition: transform .2s, border-color .2s, box-shadow .2s;
}
.age-card:hover { border-color: var(--teal); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.age-card img { width: 100%; aspect-ratio: 1 / 1; object-fit: contain; padding: 14px 18px 6px; }
.age-card__label {
  border-top: 1px solid var(--border); text-align: center; padding: 12px 8px;
  font-family: var(--font-head); font-weight: 800; font-size: 22px; color: var(--navy-900);
}
.age-card:hover .age-card__label { background: var(--teal-50); color: var(--teal); }

/* ---------- Age number grid ---------- */
.agn { margin: 28px 0 8px; background: #f8fafc; border: 1px solid var(--border); border-radius: 12px; padding: 20px; }
.agn__title { font-family: var(--font-head); font-weight: 800; font-size: 17px; margin: 0 0 14px !important; color: var(--navy-900) !important; text-align: center; }
.agn__grid { display: grid; grid-template-columns: repeat(8, 1fr); gap: 8px; }
.agn-btn {
  aspect-ratio: 1 / 1; display: flex; align-items: center; justify-content: center;
  background: #fff; border: 3px solid var(--border); border-radius: 50%;
  color: var(--text); font-family: var(--font-head); font-weight: 700; font-size: 16px;
  text-decoration: none; box-shadow: var(--shadow-sm); transition: all .15s;
}
.agn-btn:hover { background: var(--teal); border-color: var(--teal); color: #fff; transform: scale(1.08); }

/* ---------- Final CTA ---------- */
.final-cta {
  text-align: center; margin: 32px 0 6px; padding: 28px 20px;
  background: linear-gradient(180deg, #fff, #f3f6fd);
  border: 1px dashed #c3d0f2; border-radius: 14px;
}
.final-cta p { font-size: 14px; color: var(--muted); margin: 12px 0 0; }

/* ---------- Disclaimers ---------- */
.disclaimers { margin-top: 22px; padding: 22px 30px; background: #eef2f7; border: 1px solid var(--border); border-radius: 12px; }
.disclaimers p { font-size: 12.5px; color: var(--muted); line-height: 1.6; margin: 0 0 10px; }
.disclaimers p:last-child { margin: 0; }

/* ---------- Footer ---------- */
.site-footer { margin-top: 56px; padding: 48px 0 32px; background: var(--navy-900); color: #94a3b8; }
.site-footer .container { display: flex; flex-direction: column; align-items: center; text-align: center; }
.footer-disclosure { max-width: 780px; font-size: 13px; line-height: 1.65; margin: 22px 0 6px; }
.footer-disclosure p { margin: 0 0 12px; }
.footer-disclosure a { color: #cbd5e1; }
.footer-nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px 18px; margin: 14px 0 22px; font-size: 14px; font-weight: 600; }
.footer-nav a { color: #e2e8f0; text-decoration: none; }
.footer-nav a:hover { color: var(--gold); }
.footer-copy { width: 100%; border-top: 1px solid #1e3a5f; padding-top: 18px; font-size: 13px; color: #64748b; margin: 0; }

/* ---------- Sticky mobile CTA ---------- */
.mobile-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .97);
  border-top: 1px solid var(--border);
  box-shadow: 0 -6px 20px rgba(15, 23, 42, .08);
  transform: translateY(110%);
  transition: transform .25s ease;
}
.mobile-cta.is-visible { transform: none; }

/* ---------- Cookie notice ---------- */
.cookie-bar {
  position: fixed; left: 16px; bottom: 16px; z-index: 70; max-width: 420px;
  background: #fff; border: 1px solid var(--border); border-radius: 14px;
  box-shadow: var(--shadow-lg); padding: 16px 18px;
  font-size: 13.5px; color: var(--text-2);
}
.cookie-bar p { margin: 0 0 12px; line-height: 1.55; }
.cookie-bar__actions { display: flex; gap: 8px; }

/* ---------- Legal / content pages ---------- */
.legal { padding-top: 28px; }
.legal__card { padding: 40px 44px; }
.legal h1 { font-family: var(--font-head); font-size: 32px; margin: 0 0 8px; color: var(--navy-900); letter-spacing: -.02em; line-height: 1.2; }
.legal .meta { font-size: 14px; color: var(--muted); margin: 0 0 26px; padding-bottom: 20px; border-bottom: 1px solid var(--border); }
.prose h2 { font-family: var(--font-head); font-size: 20px; margin: 30px 0 10px; color: var(--navy-900); }
.prose h3 { font-size: 16.5px; margin: 22px 0 8px; color: var(--navy-900); }
.prose p, .prose li { font-size: 16px; color: var(--text-2); line-height: 1.7; }
.prose p { margin: 0 0 14px; }
.prose ul, .prose ol { margin: 0 0 16px; padding-left: 24px; }
.prose li { margin-bottom: 6px; }
.table-wrap { overflow-x: auto; margin: 8px 0 20px; }
.prose table { width: 100%; border-collapse: collapse; font-size: 14.5px; min-width: 560px; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border: 1px solid var(--border); vertical-align: top; }
.prose th { background: #f8fafc; font-weight: 700; }
.notice { background: var(--gold-50); border: 1px solid #f6d58f; border-radius: 10px; padding: 14px 16px; font-size: 15px; margin: 0 0 18px; color: var(--text-2); line-height: 1.6; }
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; margin: 8px 0 22px; }
.contact-card { border: 1px solid var(--border); border-radius: 12px; padding: 18px; background: #f8fafc; }
.contact-card h3 { margin: 0 0 6px; font-size: 15px; }
.contact-card p { margin: 0; font-size: 15px; }
mark.fill, a[href*="[["] { background: #fff3bf; color: #7a4b00; padding: 0 4px; border-radius: 4px; font-weight: 600; }
.notfound { text-align: center; padding: 64px 20px; }
.notfound h1 { font-family: var(--font-head); font-size: 40px; margin: 0 0 8px; color: var(--navy-900); }
.notfound p { color: var(--muted); margin: 0 0 22px; }

/* ---------- Responsive ---------- */
@media (min-width: 769px) {
  .hide-desktop { display: none !important; }
  .mobile-cta { display: none; }
}
@media (max-width: 768px) {
  .hide-mobile { display: none !important; }
  .container { padding: 0 14px; }
  .page, .legal { padding-top: 16px; }
  .adv-bar__sub { display: block; margin: 2px 0 0; }
  .title-card, .article { padding: 22px 20px; border-radius: 12px; }
  .headline { font-size: 24px; line-height: 1.3; margin-bottom: 16px; }
  .article p { font-size: 16px; }
  .callout { font-size: 16px !important; padding: 12px 14px; }
  .share { display: none; }
  .age-section { padding: 14px; }
  .age-banner { font-size: 16px; padding: 14px; }
  .agn__grid { grid-template-columns: repeat(5, 1fr); gap: 6px; }
  .agn-btn { font-size: 15px; border-width: 2px; }
  .disclaimers { padding: 18px; }
  .legal__card { padding: 24px 18px; }
  .legal h1 { font-size: 26px; }
  .site-nav { gap: 12px; font-size: 13px; }
  body.has-sticky-cta { padding-bottom: 76px; }
  .cookie-bar { left: 10px; right: 10px; bottom: 82px; max-width: none; }
}
@media (max-width: 480px) {
  .age-grid { grid-template-columns: 1fr; gap: 12px; }
  .age-card { flex-direction: row; align-items: center; }
  .age-card img { width: 38%; aspect-ratio: auto; padding: 8px; }
  .age-card__label { width: 62%; border-top: none; border-left: 1px solid var(--border); padding: 16px; font-size: 22px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; }
  html { scroll-behavior: auto; }
}
/* ---------- Enquiry form ---------- */
.lead-card { margin-top: 24px; padding: 36px; border-top: 5px solid var(--teal); scroll-margin-top: 84px; }
.lead-card__title { font-family: var(--font-head); font-size: 26px; margin: 0 0 8px; color: var(--navy-900); letter-spacing: -.01em; }
.lead-card__sub { font-size: 16px; color: var(--muted); margin: 0 0 22px; }
.lead-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.lead-form__field { display: flex; flex-direction: column; gap: 6px; font-size: 14px; font-weight: 600; color: var(--text-2); }
.lead-form__field input {
  font: inherit; font-weight: 400; font-size: 16px; color: var(--text);
  padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 10px; background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
.lead-form__field input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px var(--teal-50); }
.lead-form__field input:invalid:not(:placeholder-shown) { border-color: #d9534f; }
.lead-form__error { color: #b42318; font-size: 14px; font-weight: 600; margin: 0 0 12px; }
.lead-form .btn { margin-top: 6px; }
.lead-form__note { font-size: 13px; color: var(--muted); margin: 14px 0 0; text-align: center; }
.lead-form__success { background: var(--teal-50); border: 1px solid #b9c8f5; border-radius: 12px; padding: 18px 20px; font-size: 16px; color: var(--text-2); }
@media (max-width: 600px) {
  .lead-card { padding: 22px 18px; }
  .lead-card__title { font-size: 22px; }
  .lead-form__row { grid-template-columns: 1fr; }
}

/* ---------- Qualifying questions ---------- */
.qualifier { margin-bottom: 22px; }
.qualifier__progress { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.qualifier__label { font-size: 13px; font-weight: 700; color: var(--teal); letter-spacing: .06em; text-transform: uppercase; white-space: nowrap; }
.qualifier__bar { flex: 1; height: 8px; border-radius: 999px; background: #e8e6df; overflow: hidden; }
.qualifier__fill { display: block; height: 100%; background: linear-gradient(90deg, var(--teal), #173f9e); border-radius: 999px; transition: width .3s ease; }
.qualifier__q { border: 0; padding: 0; margin: 0; }
.qualifier__q legend { font-family: var(--font-head); font-size: 21px; font-weight: 800; color: var(--navy-900); padding: 0; margin: 0 0 14px; }
.qualifier__options { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.qualifier__options--3 { grid-template-columns: repeat(3, 1fr); }
.qualifier__options--4 { grid-template-columns: repeat(4, 1fr); }
.qualifier__options button {
  font: inherit; font-size: 17px; font-weight: 700; color: var(--navy-900);
  background: #fff; border: 2px solid var(--border); border-radius: 12px; padding: 16px 12px;
  cursor: pointer; box-shadow: var(--shadow-sm); transition: transform .15s, border-color .15s, background-color .15s, color .15s;
}
.qualifier__options button:hover { border-color: var(--teal); transform: translateY(-2px); }
.qualifier__options button.is-selected { background: var(--teal); border-color: var(--teal); color: #fff; }
.qualifier__result { border-radius: 12px; padding: 18px 20px; font-size: 16px; color: var(--text-2); line-height: 1.6; }
.qualifier__result p { margin: 0; }
.qualifier__result--yes { background: var(--teal-50); border: 1px solid #b9c8f5; margin-bottom: 18px; }
.qualifier__result--no { background: var(--alert-bg); border: 1px solid #f3c5c0; }
.qualifier__result--no .btn { margin-top: 12px; }
@media (max-width: 600px) {
  .qualifier__q legend { font-size: 18px; }
  .qualifier__options--3, .qualifier__options--4 { grid-template-columns: 1fr 1fr; }
  .qualifier__options button { font-size: 16px; padding: 14px 10px; }
}