/* ====================
   POLICYBRIDGE.SHOP — BRANDED CSS
   Brand Colors:
   Navy:  #1B3A6B  (primary, trust, text)
   Gold:  #E5960A  (CTA, accent, warmth)  ← updated to brighter gold
   Light: #EBEBEB  (backgrounds)
   White: #FFFFFF
   ==================== */

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

body {
  font-family: 'Open Sans', Arial, sans-serif;
  color: #1a1a1a;
  background: #fff;
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ================== HEADER ================== */
.site-header {
  background: #fff;
  border-bottom: 1px solid #e0e4ea;
  padding: 14px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}

.logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
}

.logo-tagline {
  font-size: 12px;
  color: #1B3A6B;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-left: 4px;
}

.header-contact {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 1px;
}

.call-label {
  font-size: 11px;
  font-weight: 700;
  color: #1B3A6B;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.phone-number {
  font-size: 22px;
  font-weight: 700;
  color: #1B3A6B;
  text-decoration: none;
}

.hours {
  font-size: 12px;
  color: #666;
}

/* ================== BUTTONS ================== */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: 6px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  text-align: center;
  transition: opacity 0.2s, transform 0.1s;
  text-decoration: none;
  border: none;
  min-height: 44px;
}

.btn:hover { opacity: 0.92; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-gold {
  background: #E5960A;
  color: #fff;
}

.btn-navy {
  background: #1B3A6B;
  color: #fff;
}

/* ================== HERO ================== */
.hero {
  background: #1B3A6B;
  position: relative;
  overflow: hidden;
  padding: 70px 0 60px;
  min-height: 520px;
}

/* Hero background image using an Unsplash lifestyle photo */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?w=1400&auto=format&fit=crop&q=80');
  background-size: cover;
  background-position: center;
  opacity: 0.3;
  z-index: 0;
}

.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: rgba(27, 58, 107, 0.72);
  z-index: 1;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  gap: 40px;
  align-items: flex-start;
  flex-wrap: wrap;
}

.hero-left {
  flex: 1;
  min-width: 280px;
  color: #fff;
}

.hero-left h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 36px;
  line-height: 1.25;
  margin-bottom: 16px;
  color: #fff;
}

.hero-sub {
  font-size: 17px;
  margin-bottom: 20px;
  color: rgba(255,255,255,0.92);
  line-height: 1.55;
}

.hero-bullets {
  list-style: none;
  margin-bottom: 28px;
}

.hero-bullets li {
  padding: 6px 0 6px 26px;
  position: relative;
  color: rgba(255,255,255,0.9);
  font-size: 15px;
}

.hero-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #E5960A;
  font-weight: 700;
}

.hero-cta {
  font-size: 17px;
  padding: 16px 30px;
  display: inline-block;
  margin-bottom: 12px;
}

.hero-note {
  font-size: 13px;
  color: rgba(255,255,255,0.7);
}

/* Quote Card */
.hero-right {
  flex: 0 0 340px;
  min-width: 280px;
}

.quote-card {
  background: #fff;
  border-radius: 10px;
  padding: 28px 24px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.18);
  border-top: 4px solid #E5960A;
}

.quote-card h2 {
  font-size: 20px;
  color: #1B3A6B;
  margin-bottom: 6px;
  font-family: 'Merriweather', Georgia, serif;
}

.quote-card > p {
  font-size: 14px;
  color: #555;
  margin-bottom: 18px;
}

.carrier-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
  align-items: center;
}

.carrier-logo {
  height: 28px;
  max-width: 90px;
  object-fit: contain;
  filter: grayscale(20%);
}

.carrier-badge {
  background: #f0f4fa;
  border: 1px solid #d0d8e8;
  border-radius: 20px;
  padding: 4px 12px;
  font-size: 12px;
  font-weight: 600;
  color: #1B3A6B;
}

.quote-card .btn {
  width: 100%;
  display: block;
  text-align: center;
  margin-bottom: 10px;
}

.card-note {
  font-size: 12px;
  color: #888;
  text-align: center;
}

/* ================== TRUST BAR ================== */
.trust-bar {
  background: #f5f7fa;
  border-bottom: 1px solid #e0e4ea;
  padding: 20px 0;
}

.trust-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 30px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
}

.trust-icon {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
}

.trust-label {
  font-size: 14px;
  font-weight: 700;
  color: #1B3A6B;
}

.trust-sublabel {
  display: block;
  font-size: 11px;
  color: #666;
  font-weight: 400;
}

/* ================== HOW IT WORKS ================== */
.how-it-works {
  background: #fff;
  padding: 70px 0;
  text-align: center;
}

.how-it-works h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 30px;
  color: #1B3A6B;
  margin-bottom: 10px;
}

.section-sub {
  font-size: 16px;
  color: #555;
  margin-bottom: 40px;
}

.steps {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.step-card {
  background: #F5F7FA;
  border: 1px solid #E0E4EA;
  border-radius: 10px;
  padding: 30px 24px;
  flex: 1;
  min-width: 240px;
  max-width: 320px;
  text-align: left;
}

.step-num {
  width: 36px;
  height: 36px;
  background: #1B3A6B;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
  margin-bottom: 14px;
}

.step-card h3 {
  font-size: 18px;
  color: #1B3A6B;
  margin-bottom: 8px;
}

.step-card p {
  font-size: 14px;
  color: #555;
}

/* ================== WHAT IS ================== */
.what-is {
  background: #f0f4fa;
  padding: 70px 0;
}

.what-is-inner {
  display: flex;
  gap: 50px;
  align-items: flex-start;
  flex-wrap: wrap;
}

.what-is-text {
  flex: 1;
  min-width: 280px;
}

.what-is-text h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 28px;
  color: #1B3A6B;
  margin-bottom: 16px;
}

.what-is-text p {
  margin-bottom: 14px;
  color: #444;
  font-size: 15px;
}

.what-is-text ul {
  list-style: none;
  margin-bottom: 24px;
}

.what-is-text ul li {
  padding: 5px 0 5px 22px;
  position: relative;
  color: #444;
  font-size: 15px;
}

.what-is-text ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #E5960A;
  font-weight: 700;
}

.funeral-cost-box {
  background: #fff;
  border-radius: 10px;
  padding: 24px;
  min-width: 260px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.08);
  flex: 0 0 300px;
}

.funeral-cost-box h3 {
  font-size: 18px;
  color: #1B3A6B;
  margin-bottom: 16px;
  font-family: 'Merriweather', Georgia, serif;
}

.cost-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid #eee;
  font-size: 14px;
  color: #444;
}

.cost-row.total {
  font-weight: 700;
  color: #1B3A6B;
  border-top: 2px solid #1B3A6B;
  border-bottom: none;
  margin-top: 4px;
}

.source-note {
  font-size: 11px;
  color: #999;
  margin-top: 8px;
  text-align: right;
}

/* ================== PRICING ================== */
.pricing {
  background: #fff;
  padding: 70px 0;
  text-align: center;
}

.pricing h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 30px;
  color: #1B3A6B;
  margin-bottom: 10px;
}

.pricing-cards {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin: 36px 0 20px;
}

.pricing-card {
  background: #fff;
  border: 2px solid #e0e4ea;
  border-radius: 10px;
  padding: 30px 24px;
  flex: 1;
  min-width: 240px;
  max-width: 300px;
  text-align: left;
  position: relative;
}

.pricing-card.popular {
  border-color: #E5960A;
  box-shadow: 0 6px 24px rgba(229,150,10,0.18);
}

.popular-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: #E5960A;
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 20px;
  white-space: nowrap;
}

.pricing-card h3 {
  font-size: 28px;
  color: #1B3A6B;
  font-family: 'Merriweather', Georgia, serif;
  margin-bottom: 4px;
}

.price-from {
  font-size: 14px;
  color: #555;
  margin-bottom: 18px;
}

.price-from strong {
  font-size: 22px;
  color: #1B3A6B;
}

.pricing-card ul {
  list-style: none;
  margin-bottom: 24px;
}

.pricing-card ul li {
  padding: 5px 0 5px 22px;
  position: relative;
  font-size: 14px;
  color: #444;
}

.pricing-card ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #E5960A;
  font-weight: 700;
}

.pricing-card .btn {
  width: 100%;
  display: block;
  text-align: center;
}

.pricing-disclaimer {
  font-size: 13px;
  color: #666666;
  text-align: center;
  margin-top: 16px;
}

/* ================== TESTIMONIALS ================== */
.testimonials {
  background: #f5f7fa;
  padding: 70px 0;
  text-align: center;
}

.testimonials h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 30px;
  color: #1B3A6B;
  margin-bottom: 36px;
}

.testimonial-cards {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
}

.testimonial-card {
  background: #fff;
  border-left: 5px solid #E5960A;
  border-radius: 6px;
  padding: 24px;
  flex: 1;
  min-width: 260px;
  max-width: 320px;
  text-align: left;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}

.stars {
  color: #E5960A;
  font-size: 18px;
  margin-bottom: 12px;
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 14px;
  color: #444;
  font-style: italic;
  margin-bottom: 16px;
  line-height: 1.65;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-photo {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  border: 2px solid #e0e4ea;
}

.testimonial-author strong {
  display: block;
  font-size: 14px;
  color: #1B3A6B;
}

.testimonial-author span {
  font-size: 12px;
  color: #888;
}

/* ================== FAQ ================== */
.faq {
  background: #fff;
  padding: 70px 0;
}

.faq h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 30px;
  color: #1B3A6B;
  margin-bottom: 30px;
  text-align: center;
}

.faq-list {
  max-width: 760px;
  margin: 0 auto 30px;
}

.faq-item {
  border-bottom: 1px solid #e0e4ea;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  padding: 18px 10px;
  font-size: 16px;
  font-weight: 600;
  color: #1B3A6B;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: 'Open Sans', Arial, sans-serif;
}

.faq-question:hover { color: #E5960A; }

.faq-icon {
  font-size: 20px;
  font-weight: 400;
  color: #E5960A;
  margin-left: 12px;
  flex-shrink: 0;
}

.faq-answer {
  display: none;
  padding: 0 10px 18px;
  font-size: 15px;
  color: #444;
  line-height: 1.65;
}

.faq-cta-text {
  text-align: center;
  margin-bottom: 16px;
  color: #555;
}

/* ================== FINAL CTA ================== */
.final-cta {
  background: #1B3A6B;
  padding: 70px 0;
  text-align: center;
  color: #fff;
}

.final-cta h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 32px;
  margin-bottom: 14px;
  color: #fff;
}

.final-cta > .container > p {
  font-size: 17px;
  margin-bottom: 28px;
  color: rgba(255,255,255,0.88);
}

.final-cta-note {
  margin-top: 16px;
  font-size: 13px;
  color: rgba(255,255,255,0.7);
}

/* ================== FOOTER ================== */
.footer-divider {
  height: 4px;
  background: #E5960A;
}

.site-footer {
  background: #0f2347;
  color: rgba(255,255,255,0.75);
  padding: 40px 0 30px;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  text-align: center;
}

.footer-logo {
  opacity: 0.9;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
}

.footer-nav a {
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.footer-nav a:hover { color: #E5960A; }

.footer-disclaimer {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  max-width: 780px;
  line-height: 1.6;
}

.footer-copy {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
}

/* ================== FORM PAGE ================== */
.form-page {
  background: #f5f7fa;
  min-height: 100vh;
}

.form-hero {
  background: #1B3A6B;
  color: #fff;
  padding: 30px 0 20px;
  text-align: center;
}

.form-hero h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 26px;
  margin-bottom: 8px;
}

.form-hero p {
  font-size: 15px;
  color: rgba(255,255,255,0.85);
}

.progress-wrapper {
  max-width: 540px;
  margin: 0 auto 10px;
}

.progress-meta {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: rgba(255,255,255,0.8);
  margin-bottom: 6px;
}

.progress-bar-bg {
  background: rgba(255,255,255,0.25);
  border-radius: 6px;
  height: 8px;
  overflow: hidden;
}

.progress-bar-fill {
  background: #E5960A;
  height: 100%;
  border-radius: 6px;
  transition: width 0.4s ease;
}

.form-container {
  max-width: 540px;
  margin: 30px auto 60px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.09);
  padding: 36px 32px;
}

.form-step { display: none; }
.form-step.active { display: block; }

.form-step h2 {
  font-size: 22px;
  color: #1B3A6B;
  margin-bottom: 22px;
  font-family: 'Merriweather', Georgia, serif;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: #333;
  margin-bottom: 6px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid #d0d8e8;
  border-radius: 6px;
  font-size: 15px;
  color: #1a1a1a;
  background: #fff;
  appearance: none;
  -webkit-appearance: none;
  font-family: inherit;
  min-height: 44px;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #1B3A6B;
  box-shadow: 0 0 0 3px rgba(27,58,107,0.1);
}

.dob-row {
  display: flex;
  gap: 12px;
}

.dob-row select,
.dob-row input {
  flex: 1;
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px;
}

.option-btn {
  border: 2px solid #d0d8e8;
  background: #fff;
  border-radius: 8px;
  padding: 14px 16px;
  cursor: pointer;
  font-size: 15px;
  font-weight: 600;
  color: #1B3A6B;
  text-align: center;
  transition: all 0.15s;
  min-height: 50px;
  font-family: inherit;
}

.option-btn:hover,
.option-btn.selected {
  border-color: #E5960A;
  background: #fff8ee;
  color: #1B3A6B;
}

.form-nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 24px;
}

.btn-continue {
  width: 100%;
  display: block;
  text-align: center;
  background: #E5960A;
  color: #fff;
  padding: 16px;
  font-size: 17px;
  font-weight: 700;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  font-family: inherit;
  min-height: 50px;
}

.btn-back {
  background: none;
  border: none;
  color: #888;
  font-size: 14px;
  cursor: pointer;
  text-align: center;
  padding: 8px;
  font-family: inherit;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.btn-back:hover { color: #1B3A6B; }

.tcpa-consent {
  font-size: 11px;
  color: #888;
  line-height: 1.55;
  margin-top: 14px;
  padding: 12px;
  background: #f8f9fb;
  border-radius: 6px;
  border: 1px solid #e8eaf0;
}

/* ================== ABOUT / CONTACT PAGES ================== */
.page-hero {
  background: #1B3A6B;
  color: #fff;
  padding: 60px 0;
  text-align: center;
}

.page-hero h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 36px;
  margin-bottom: 12px;
}

.page-hero p {
  font-size: 17px;
  color: rgba(255,255,255,0.85);
  max-width: 600px;
  margin: 0 auto;
}

.page-content {
  padding: 60px 0;
}

.page-content h2 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 24px;
  color: #1B3A6B;
  margin-bottom: 14px;
}

.page-content p {
  color: #444;
  margin-bottom: 16px;
  font-size: 15px;
  line-height: 1.7;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid #d0d8e8;
  border-radius: 6px;
  font-size: 15px;
  margin-bottom: 14px;
  font-family: inherit;
  min-height: 44px;
}

.contact-form textarea { min-height: 130px; resize: vertical; }

/* ================== RESPONSIVE ================== */
@media (max-width: 768px) {
  .hero-inner { flex-direction: column; }
  .hero-left h1 { font-size: 26px; }
  .hero-right { width: 100%; }
  .what-is-inner { flex-direction: column; }
  .pricing-cards { flex-direction: column; align-items: center; }
  .pricing-card { max-width: 100%; width: 100%; }
  .testimonial-cards { flex-direction: column; align-items: center; }
  .testimonial-card { max-width: 100%; width: 100%; }
  .steps { flex-direction: column; align-items: center; }
  .step-card { max-width: 100%; width: 100%; }
  .funeral-cost-box { width: 100%; }
  .trust-inner { flex-direction: column; gap: 16px; align-items: flex-start; padding: 0 20px; }
  .form-container { padding: 24px 16px; }
  .dob-row { flex-wrap: wrap; }
}