/* === RateCheck — Custom CSS === */
:root {
  --navy: #1a1f36;
  --navy-light: #252b48;
  --navy-lighter: #2f365a;
  --white: #ffffff;
  --gray-50: #f8f9fc;
  --gray-100: #f0f2f7;
  --gray-200: #e2e5ef;
  --gray-300: #c8cdd9;
  --gray-400: #9ba2b5;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --green: #00d4aa;
  --green-dark: #00b894;
  --green-bg: rgba(0, 212, 170, 0.08);
  --red: #ff4757;
  --red-bg: rgba(255, 71, 87, 0.08);
  --yellow: #ffa502;
  --yellow-bg: rgba(255, 165, 2, 0.08);
  --blue: #3742fa;
  --blue-bg: rgba(55, 66, 250, 0.08);
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.07), 0 2px 4px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 25px rgba(0,0,0,0.1), 0 6px 10px rgba(0,0,0,0.08);
  --transition: 0.2s ease;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  background: var(--gray-50);
  color: var(--navy);
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

/* === Header === */
.header {
  background: var(--navy);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.header-inner {
  max-width: 900px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-icon {
  width: 32px;
  height: 32px;
  background: var(--green);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--navy);
  font-size: 16px;
}

.logo-text {
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.5px;
}

.logo-text span {
  color: var(--green);
}

.header-tag {
  font-size: 12px;
  color: var(--gray-400);
  background: var(--navy-light);
  padding: 4px 10px;
  border-radius: 20px;
}

/* === Progress Bar === */
.progress-container {
  max-width: 900px;
  margin: 0 auto;
  padding: 24px 24px 0;
}

.progress-bar-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
}

.progress-steps {
  display: flex;
  gap: 4px;
  flex: 1;
}

.progress-step {
  height: 4px;
  flex: 1;
  background: var(--gray-200);
  border-radius: 2px;
  transition: background var(--transition);
}

.progress-step.active {
  background: var(--green);
}

.progress-step.completed {
  background: var(--green);
}

.progress-label {
  font-size: 13px;
  color: var(--gray-500);
  white-space: nowrap;
  min-width: 80px;
  text-align: right;
}

/* === Main Container === */
.container {
  max-width: 900px;
  margin: 0 auto;
  padding: 24px;
}

/* === Card === */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
  margin-bottom: 24px;
}

.card-title {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 4px;
  letter-spacing: -0.3px;
}

.card-subtitle {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 24px;
}

/* === Form Elements === */
.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.form-hint {
  font-size: 12px;
  color: var(--gray-400);
  font-weight: 400;
  margin-left: 4px;
}

.form-input,
.form-select {
  width: 100%;
  padding: 10px 14px;
  font-size: 15px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--navy);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  font-family: inherit;
}

.form-input:focus,
.form-select:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 212, 170, 0.15);
}

.form-input::placeholder {
  color: var(--gray-400);
}

/* Option cards (property type, usage) */
.option-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 10px;
}

.option-card {
  padding: 14px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition);
  user-select: none;
}

.option-card:hover {
  border-color: var(--gray-300);
  background: var(--gray-50);
}

.option-card.selected {
  border-color: var(--green);
  background: var(--green-bg);
}

.option-card .option-icon {
  font-size: 24px;
  margin-bottom: 4px;
}

.option-card .option-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
}

.option-card .option-desc {
  font-size: 11px;
  color: var(--gray-500);
  margin-top: 2px;
}

/* Toggle (yes/no) */
.toggle-group {
  display: flex;
  gap: 8px;
}

.toggle-btn {
  flex: 1;
  padding: 10px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-500);
  transition: all var(--transition);
  text-align: center;
  font-family: inherit;
}

.toggle-btn:hover {
  border-color: var(--gray-300);
}

.toggle-btn.selected {
  border-color: var(--green);
  background: var(--green-bg);
  color: var(--navy);
}

/* Slider */
.slider-container {
  margin-top: 8px;
}

.slider-value {
  font-size: 28px;
  font-weight: 700;
  color: var(--green-dark);
  margin-bottom: 8px;
}

.form-range {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
}

.form-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--green);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0, 212, 170, 0.3);
}

.form-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--green);
  border-radius: 50%;
  cursor: pointer;
  border: none;
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 4px;
}

/* Row layout */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 600px) {
  .form-row { grid-template-columns: 1fr; }
}

/* === Buttons === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  font-family: inherit;
}

.btn-primary {
  background: var(--green);
  color: var(--navy);
}

.btn-primary:hover {
  background: var(--green-dark);
  box-shadow: 0 4px 12px rgba(0, 212, 170, 0.3);
}

.btn-primary:disabled {
  opacity: 0.5;
  cursor: not-allowed;
  box-shadow: none;
}

.btn-secondary {
  background: var(--gray-100);
  color: var(--navy);
}

.btn-secondary:hover {
  background: var(--gray-200);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--gray-200);
}

.btn-outline:hover {
  border-color: var(--gray-300);
  background: var(--gray-50);
}

.btn-group {
  display: flex;
  justify-content: space-between;
  margin-top: 28px;
}

/* === Page Transitions === */
.page {
  display: none;
  animation: fadeSlideIn 0.35s ease;
}

.page.active {
  display: block;
}

@keyframes fadeSlideIn {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* === Loading === */
.loading-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(26, 31, 54, 0.85);
  z-index: 200;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 20px;
}

.loading-overlay.active {
  display: flex;
}

.spinner {
  width: 48px;
  height: 48px;
  border: 3px solid rgba(0, 212, 170, 0.2);
  border-top-color: var(--green);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.loading-text {
  color: var(--white);
  font-size: 16px;
  font-weight: 500;
}

.loading-subtext {
  color: var(--gray-400);
  font-size: 13px;
}

/* === Report === */
.report-header {
  text-align: center;
  padding: 40px 32px;
  background: var(--navy);
  border-radius: var(--radius);
  color: var(--white);
  margin-bottom: 24px;
}

.report-header h1 {
  font-size: 28px;
  margin-bottom: 8px;
}

.report-header p {
  color: var(--gray-400);
  font-size: 14px;
}

/* Risk Score */
.risk-score-container {
  display: flex;
  justify-content: center;
  margin: 32px 0;
}

.risk-score-ring {
  position: relative;
  width: 160px;
  height: 160px;
}

.risk-score-ring svg {
  transform: rotate(-90deg);
}

.risk-score-ring .ring-bg {
  fill: none;
  stroke: var(--navy-lighter);
  stroke-width: 8;
}

.risk-score-ring .ring-fill {
  fill: none;
  stroke-width: 8;
  stroke-linecap: round;
  transition: stroke-dashoffset 1.5s ease;
}

.risk-score-value {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.risk-score-number {
  font-size: 42px;
  font-weight: 800;
  line-height: 1;
}

.risk-score-label {
  font-size: 12px;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-top: 4px;
}

/* Gap cards */
.gap-section {
  margin-bottom: 24px;
}

.gap-section-title {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.gap-section-title .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
}

.gap-section-title .dot.critical { background: var(--red); }
.gap-section-title .dot.warning { background: var(--yellow); }
.gap-section-title .dot.info { background: var(--blue); }

.gap-card {
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  margin-bottom: 10px;
  cursor: pointer;
  transition: all var(--transition);
}

.gap-card.critical {
  background: var(--red-bg);
  border-left: 3px solid var(--red);
}

.gap-card.warning {
  background: var(--yellow-bg);
  border-left: 3px solid var(--yellow);
}

.gap-card.info {
  background: var(--blue-bg);
  border-left: 3px solid var(--blue);
}

.gap-card-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.gap-card-title {
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
}

.gap-card-chevron {
  font-size: 12px;
  color: var(--gray-400);
  transition: transform var(--transition);
  flex-shrink: 0;
  margin-top: 4px;
}

.gap-card.expanded .gap-card-chevron {
  transform: rotate(180deg);
}

.gap-card-message {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.5;
}

.gap-card-detail {
  display: none;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid rgba(0,0,0,0.06);
}

.gap-card.expanded .gap-card-detail {
  display: block;
}

.gap-card-detail p {
  font-size: 13px;
  color: var(--gray-600);
  margin-bottom: 8px;
  line-height: 1.6;
}

.gap-card-detail .recommendation {
  background: rgba(0, 212, 170, 0.08);
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  color: var(--navy);
  font-weight: 500;
}

/* Rate comparison */
.rate-table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
}

.rate-table th {
  text-align: left;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--gray-500);
  padding: 8px 12px;
  border-bottom: 2px solid var(--gray-200);
}

.rate-table td {
  padding: 10px 12px;
  font-size: 14px;
  border-bottom: 1px solid var(--gray-100);
}

.rate-table tr:last-child td {
  border-bottom: none;
}

.rate-bar-cell {
  width: 40%;
}

.rate-bar {
  height: 8px;
  background: var(--gray-100);
  border-radius: 4px;
  overflow: hidden;
}

.rate-bar-fill {
  height: 100%;
  border-radius: 4px;
  transition: width 1s ease;
}

.rate-bar-fill.green { background: var(--green); }
.rate-bar-fill.yellow { background: var(--yellow); }
.rate-bar-fill.red { background: var(--red); }

.your-rate-row {
  background: var(--green-bg);
  font-weight: 600;
}

.avg-row {
  background: var(--gray-50);
}

/* Savings callout */
.savings-callout {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius);
  padding: 28px;
  color: var(--white);
  text-align: center;
  margin: 20px 0;
}

.savings-amount {
  font-size: 48px;
  font-weight: 800;
  color: var(--green);
  line-height: 1;
}

.savings-label {
  font-size: 14px;
  color: var(--gray-400);
  margin-top: 4px;
}

.savings-detail {
  font-size: 13px;
  color: var(--gray-300);
  margin-top: 12px;
}

/* Carrier changes */
.carrier-change-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-100);
}

.carrier-change-row:last-child {
  border-bottom: none;
}

.carrier-name {
  font-size: 14px;
  font-weight: 500;
}

.carrier-change {
  font-size: 14px;
  font-weight: 700;
  color: var(--red);
}

.carrier-change-bar {
  flex: 1;
  margin: 0 16px;
  height: 4px;
  background: var(--gray-100);
  border-radius: 2px;
  overflow: hidden;
}

.carrier-change-bar-fill {
  height: 100%;
  background: var(--red);
  border-radius: 2px;
  opacity: 0.6;
}

/* Flood risk */
.flood-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 16px 0;
}

@media (max-width: 600px) {
  .flood-stats { grid-template-columns: 1fr; }
}

.flood-stat {
  text-align: center;
  padding: 20px;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
}

.flood-stat-value {
  font-size: 28px;
  font-weight: 800;
  color: var(--navy);
}

.flood-stat-label {
  font-size: 12px;
  color: var(--gray-500);
  margin-top: 2px;
}

/* Education cards */
.edu-card {
  background: var(--blue-bg);
  border-radius: var(--radius-sm);
  padding: 20px;
  margin-bottom: 12px;
  cursor: pointer;
}

.edu-card-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.edu-card-body {
  display: none;
  margin-top: 12px;
}

.edu-card.expanded .edu-card-body {
  display: block;
}

.edu-myth,
.edu-reality,
.edu-action {
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  margin-bottom: 8px;
  font-size: 13px;
  line-height: 1.5;
}

.edu-myth {
  background: rgba(255, 71, 87, 0.06);
  border-left: 3px solid var(--red);
}

.edu-reality {
  background: rgba(0, 212, 170, 0.06);
  border-left: 3px solid var(--green);
}

.edu-action {
  background: var(--gray-50);
  border-left: 3px solid var(--blue);
}

.edu-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.edu-myth .edu-label { color: var(--red); }
.edu-reality .edu-label { color: var(--green-dark); }
.edu-action .edu-label { color: var(--blue); }

/* Recommendations */
.rec-card {
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-100);
}

.rec-card:last-child {
  border-bottom: none;
}

.rec-title {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}

.rec-value {
  font-size: 18px;
  font-weight: 700;
  color: var(--green-dark);
  margin: 4px 0;
}

.rec-explanation {
  font-size: 13px;
  color: var(--gray-600);
  line-height: 1.5;
}

/* Report section */
.report-section {
  margin-bottom: 8px;
}

.report-section-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  padding: 16px 20px;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  transition: all var(--transition);
}

.report-section-header:hover {
  box-shadow: var(--shadow-md);
}

.report-section-title {
  font-size: 16px;
  font-weight: 600;
}

.report-section-chevron {
  font-size: 14px;
  color: var(--gray-400);
  transition: transform var(--transition);
}

.report-section.expanded .report-section-chevron {
  transform: rotate(180deg);
}

.report-section-body {
  display: none;
  padding: 20px;
  background: var(--white);
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  margin-top: -4px;
  box-shadow: var(--shadow);
}

.report-section.expanded .report-section-body {
  display: block;
}

/* Report actions */
.report-actions {
  display: flex;
  gap: 10px;
  justify-content: center;
  margin: 24px 0;
  flex-wrap: wrap;
}

/* Disclaimer */
.disclaimer {
  text-align: center;
  font-size: 12px;
  color: var(--gray-400);
  padding: 24px;
  border-top: 1px solid var(--gray-100);
  margin-top: 32px;
}

/* ZIP lookup result */
.zip-result {
  font-size: 13px;
  color: var(--green-dark);
  margin-top: 4px;
  min-height: 18px;
}

.zip-result.error {
  color: var(--red);
}

/* Hero / Landing */
.hero {
  text-align: center;
  padding: 60px 24px 40px;
}

.hero h1 {
  font-size: 40px;
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 12px;
  line-height: 1.1;
}

.hero h1 span {
  color: var(--green);
}

.hero p {
  font-size: 18px;
  color: var(--gray-500);
  max-width: 540px;
  margin: 0 auto 32px;
}

.hero-features {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-feature {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--gray-600);
}

.hero-feature .check {
  width: 20px;
  height: 20px;
  background: var(--green-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green-dark);
  font-size: 12px;
  font-weight: 700;
}

/* Toast */
.toast {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--navy);
  color: var(--white);
  padding: 12px 20px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  box-shadow: var(--shadow-lg);
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s ease;
  z-index: 300;
}

.toast.show {
  transform: translateY(0);
  opacity: 1;
}

/* === Print === */
@media print {
  .header, .progress-container, .btn-group, .report-actions, .toast { display: none !important; }
  .page { display: block !important; animation: none !important; }
  #page-questionnaire, #page-landing { display: none !important; }
  .report-section-body { display: block !important; }
  .gap-card-detail { display: block !important; }
  .edu-card-body { display: block !important; }
  body { background: white; }
  .card { box-shadow: none; border: 1px solid #ddd; }
  .report-header { color: black; background: #f0f0f0; -webkit-print-color-adjust: exact; }
  .savings-callout { background: #f0f0f0 !important; color: black !important; -webkit-print-color-adjust: exact; }
  .savings-amount { color: #00b894 !important; -webkit-print-color-adjust: exact; }
  .report-section-header { box-shadow: none; }
}

/* === Responsive === */
@media (max-width: 600px) {
  .hero h1 { font-size: 28px; }
  .hero p { font-size: 15px; }
  .card { padding: 20px; }
  .option-grid { grid-template-columns: 1fr 1fr; }
  .savings-amount { font-size: 36px; }
  .risk-score-ring { width: 130px; height: 130px; }
  .risk-score-number { font-size: 34px; }
  .header-tag { display: none; }
  .flood-stats { grid-template-columns: 1fr; }
  .btn-group { flex-direction: column; gap: 8px; }
  .btn-group .btn { width: 100%; }
  /* Rate table mobile: hide bar column, show $ only */
  .rate-table th.rate-bar-cell,
  .rate-table td.rate-bar-cell { display: none; }
  .rate-table { font-size: 13px; }
  .rate-table td, .rate-table th { padding: 8px 6px; }
  /* Next steps cards stack */
  .next-step-grid { grid-template-columns: 1fr !important; }
  .next-step-card { padding: 16px; }
  /* Partner buttons stack */
  .partner-links { flex-direction: column; gap: 8px; }
  .partner-btn { width: 100%; text-align: center; }
}

/* === Upload Zone === */
.upload-zone {
  border: 2px dashed var(--gray-300);
  border-radius: 12px;
  padding: 32px 24px;
  text-align: center;
  cursor: pointer;
  transition: all 0.2s;
  background: var(--gray-50);
}
.upload-zone:hover, .upload-zone.dragover {
  border-color: var(--primary);
  background: rgba(0, 212, 170, 0.04);
}
.upload-zone.uploaded {
  border-color: var(--green);
  background: rgba(0, 212, 170, 0.06);
}
.upload-icon { font-size: 36px; margin-bottom: 8px; }
.upload-text { font-size: 15px; font-weight: 600; color: var(--gray-800); margin-bottom: 4px; }
.upload-subtext { font-size: 13px; color: var(--gray-500); }
.upload-link { color: var(--primary); cursor: pointer; text-decoration: underline; font-weight: 600; }
.upload-status { margin-top: 12px; font-size: 13px; font-weight: 600; }
.upload-status.success { color: var(--green); }
.upload-status.error { color: var(--red); }
.upload-status.processing { color: var(--primary); }
.upload-note {
  margin-top: 10px;
  padding: 10px 14px;
  background: rgba(55, 66, 250, 0.05);
  border-radius: 8px;
  font-size: 12px;
  color: var(--gray-600);
  line-height: 1.5;
}
.form-divider {
  display: flex;
  align-items: center;
  margin: 24px 0;
  gap: 16px;
}
.form-divider::before, .form-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--gray-200);
}
.form-divider span {
  font-size: 13px;
  color: var(--gray-400);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* === Footer === */
.site-footer { background: #0a0e1a; color: #999; text-align: center; padding: 24px 20px; font-size: 13px; margin-top: 40px; border-top: 1px solid #1a1f35; }
.footer-inner { max-width: 800px; margin: 0 auto; }
.footer-links { margin: 8px 0; }
.footer-links a { color: #bbb; margin: 0 12px; text-decoration: none; }
.footer-links a:hover { color: #fff; }
.footer-note { margin-top: 8px; font-size: 11px; color: #666; }

/* === Next Steps === */
.next-steps-section { margin-top: 32px; }
.next-steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; margin-top: 16px; }
.next-step-card { background: #16213e; border-radius: 12px; padding: 24px; text-align: center; }
.next-step-icon { font-size: 32px; margin-bottom: 8px; }
.next-step-card h3 { margin: 8px 0; color: #fff; }
.next-step-card p { color: #aaa; font-size: 14px; line-height: 1.5; }
.partner-links { display: flex; flex-direction: column; gap: 10px; margin: 12px 0; }
.partner-btn { display: block; padding: 10px 16px; border-radius: 8px; text-decoration: none; font-weight: 600; font-size: 14px; transition: all 0.2s; text-align: center; }
.partner-btn.lemonade { background: #ff0083; color: #fff; }
.partner-btn.lemonade:hover { background: #e00075; }
.partner-btn.hippo { background: #00b67a; color: #fff; }
.partner-btn.hippo:hover { background: #009966; }
.partner-note { font-size: 11px !important; color: #666 !important; margin-top: 8px; }
.email-capture { display: flex; gap: 8px; margin-top: 12px; }
.email-input { flex: 1; padding: 10px 14px; border-radius: 8px; border: 1px solid #333; background: #0f1629; color: #fff; font-size: 14px; }
.email-input:focus { border-color: #4361ee; outline: none; }
.btn-sm { padding: 10px 16px; font-size: 13px; }

/* Trust Badge */
.trust-badge { display: flex; align-items: flex-start; gap: 12px; background: rgba(0, 212, 170, 0.08); border: 1px solid rgba(0, 212, 170, 0.2); border-radius: 10px; padding: 14px 16px; margin: 12px 0; text-align: left; }
.trust-icon { font-size: 24px; flex-shrink: 0; margin-top: 2px; }
.trust-text { font-size: 13px; color: #bbb; line-height: 1.5; }
.trust-text strong { color: #00d4aa; display: block; margin-bottom: 2px; font-size: 14px; }

/* Form hint text */
.form-hint { font-size: 13px; color: #888; margin: -4px 0 10px 0; }

/* Ensure option grid stays below sticky header */
.option-grid { position: relative; z-index: 1; }

/* Rate section notes */
.rate-note { font-size: 12px; color: #00d4aa; margin: 10px 0 4px 0; font-style: italic; }
.rate-disclaimer { font-size: 11px; color: #666; margin: 6px 0 0 0; line-height: 1.4; }

/* Report counter (social proof) */
.report-counter { margin-top: 16px; font-size: 13px; color: #888; text-align: center; letter-spacing: 0.3px; }