:root {
  --navy: #061a33;
  --navy-2: #0f2d52;
  --gray: #64748b;
  --storm: #f1f5f9;
  --soft-blue: #f8fafc;
  --orange: #f97316;
  --orange-dark: #ea580c;
  --teal: #0d9488;
  --white: #ffffff;
  --ink: #0f172a;
  --border: #e2e8f0;
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
  --shadow-lg: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);
  --glass: rgba(255, 255, 255, 0.7);
  --glass-border: rgba(255, 255, 255, 0.3);
}

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 18px; /* Increased for senior accessibility */
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 12px 18px;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  text-decoration: none;
  color: var(--navy);
}

.header-cta {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
}

.top-nav {
  display: none;
  gap: 16px;
  color: var(--navy-2);
  font-weight: 800;
}

.top-nav a,
.site-footer a {
  text-decoration: none;
}

.hero {
  position: relative;
  overflow: hidden;
  display: grid;
  gap: 28px;
  padding: 64px 20px 42px;
  background:
    radial-gradient(circle at 85% 12%, rgba(249, 115, 22, 0.14), transparent 24%),
    linear-gradient(135deg, #061a33 0%, #12365f 58%, #d8e6f5 100%);
  color: var(--white);
}

.hero::after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -90px;
  width: 280px;
  height: 280px;
  border: 32px solid rgba(255, 255, 255, 0.1);
  border-radius: 50%;
}

.hero__content,
.hero__panel {
  position: relative;
  z-index: 1;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--orange);
  font-size: 0.84rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 780px;
  margin-bottom: 16px;
  font-size: clamp(2.25rem, 8vw, 4.8rem);
  line-height: 1.02;
  letter-spacing: 0;
}

h2 {
  color: var(--navy);
  font-size: clamp(1.75rem, 5vw, 2.6rem);
  line-height: 1.12;
  letter-spacing: 0;
}

h3 {
  color: var(--navy);
  font-size: 1.2rem;
}

.hero__subhead {
  max-width: 720px;
  color: #eaf2f9;
  font-size: 1.2rem;
}

.hero__actions,
.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  margin-top: 24px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 14px 20px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-1px);
  box-shadow: 0 10px 24px rgba(8, 33, 63, 0.18);
}

.button--primary {
  background: var(--orange);
  color: var(--white);
}

.button--primary:hover,
.button--primary:focus-visible {
  background: var(--orange-dark);
}

.button--secondary {
  background: var(--white);
  color: var(--navy);
  border-color: var(--border);
}

.button--disabled {
  background: #edf1f5;
  color: #65717d;
  cursor: not-allowed;
}

.button--full {
  width: 100%;
}

.panel-label {
  display: block;
  margin-bottom: 10px;
  color: #cde3f6;
  font-weight: 900;
  font-size: 1.1rem;
}

.hero__panel {
  padding: 32px;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.12);
  box-shadow: var(--shadow-lg);
}

.hero__panel strong {
  display: block;
  font-size: clamp(2.5rem, 10vw, 5rem);
  line-height: 1;
  color: var(--white);
  font-weight: 900;
}

.section {
  padding: 56px 20px;
}

.section--soft {
  background: var(--soft-blue);
}

.section__heading {
  max-width: 820px;
  margin: 0 auto 26px;
}

.section__heading p:not(.eyebrow) {
  color: #3f4c5a;
  font-size: 1.08rem;
}

.calculator-grid,
.conversion-grid {
  display: grid;
  gap: 20px;
  max-width: 1120px;
  margin: 0 auto;
}

.calculator-card,
.result-card,
.tool-card,
.lead-card,
.upsell-card,
.info-band,
.faq details,
.disclaimer {
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--white);
  box-shadow: var(--shadow);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.calculator-card:hover,
.upsell-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.glass-card {
  background: var(--glass);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
}

.calculator-card,
.result-card,
.tool-card,
.lead-card,
.upsell-card,
.info-band {
  padding: 22px;
}

.field {
  margin-bottom: 18px;
}

label,
legend {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-weight: 900;
}

input,
select,
textarea {
  width: 100%;
  min-height: 56px;
  padding: 14px 15px;
  border: 2px solid #9bacbd;
  border-radius: 8px;
  color: var(--ink);
  background: var(--white);
  font: inherit;
}

input:focus,
select:focus,
textarea:focus,
button:focus-visible,
a:focus-visible {
  outline: 3px solid rgba(249, 115, 22, 0.45);
  outline-offset: 3px;
}

.money-input,
.percent-input {
  display: flex;
  align-items: center;
  border: 2px solid #9bacbd;
  border-radius: 8px;
  background: var(--white);
}

.money-input span,
.percent-input span {
  padding: 0 12px;
  color: var(--gray);
  font-weight: 900;
}

.money-input input,
.percent-input input {
  border: 0;
}

.helper {
  margin: 7px 0 0;
  color: #4a5664;
  font-size: 1rem;
}

.field--hidden {
  display: none;
}

.radio-group {
  padding: 0;
  border: 0;
}

.radio-group label {
  display: flex;
  align-items: center;
  gap: 9px;
  margin: 8px 0;
  min-height: 56px;
  padding: 12px 14px;
  border: 2px solid var(--border);
  border-radius: 8px;
  background: #f8fbff;
  font-weight: 700;
}

.radio-group input {
  width: 22px;
  min-width: 22px;
  height: 22px;
  min-height: 22px;
  accent-color: var(--orange);
}

.form-error {
  min-height: 24px;
  color: #a73506;
  font-weight: 800;
}

.result-card {
  align-self: start;
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.result-kicker {
  margin-bottom: 6px;
  color: var(--gray);
  font-weight: 800;
}

.result-amount {
  display: block;
  margin-bottom: 10px;
  color: var(--navy);
  font-size: clamp(3rem, 13vw, 5.5rem);
  line-height: 1;
}

.formula,
.plain-text {
  color: #3f4c5a;
}

.damage-box {
  margin: 18px 0;
  padding: 14px;
  border-left: 5px solid var(--orange);
  border-radius: 8px;
  background: #fff7ed;
  color: #4a2a10;
  font-weight: 800;
}

.warning-box {
  padding: 16px;
  border: 1px solid #f4c790;
  border-radius: 8px;
  background: #fff8ed;
}

.warning-box p {
  margin-bottom: 0;
}

.info-band,
.tool-card,
.faq,
.disclaimer {
  max-width: 960px;
  margin: 0 auto;
}

.checklist {
  display: grid;
  gap: 12px;
  padding-left: 22px;
}

blockquote {
  margin: 0 0 18px;
  padding-left: 18px;
  border-left: 5px solid var(--orange);
  color: var(--navy);
  font-size: 1.16rem;
  font-weight: 800;
}

.copy-status {
  min-height: 24px;
  margin: 12px 0 0;
  color: var(--navy-2);
  font-weight: 800;
}

.lead-card {
  grid-column: 1 / -1;
}

.lead-card form {
  display: grid;
  gap: 12px;
}

.contact-form {
  display: grid;
  gap: 12px;
}

.hidden-field {
  display: none;
}

.faq details {
  margin-bottom: 12px;
  padding: 18px;
}

.faq summary {
  color: var(--navy);
  cursor: pointer;
  font-weight: 900;
}

.faq details p {
  margin: 12px 0 0;
  color: #3f4c5a;
}

.disclaimer {
  margin-bottom: 72px;
}

.disclaimer p {
  color: #3f4c5a;
}

.mobile-sticky {
  position: fixed;
  right: 12px;
  bottom: 12px;
  left: 12px;
  z-index: 30;
}

.site-footer {
  display: grid;
  gap: 18px;
  padding: 32px 20px 92px;
  color: #d8e6f5;
  background: var(--navy);
}

.site-footer p {
  margin: 8px 0 0;
  color: #b9c6d4;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  font-weight: 800;
}

.content-page {
  background: var(--soft-blue);
}

.page-hero {
  padding: 56px 20px 32px;
  color: var(--white);
  background: linear-gradient(135deg, #061a33 0%, #12365f 100%);
}

.page-hero__inner,
.content-wrap {
  max-width: 960px;
  margin: 0 auto;
}

.page-hero h1 {
  max-width: 860px;
  margin-bottom: 12px;
  font-size: clamp(2rem, 7vw, 4rem);
}

.page-hero p {
  max-width: 760px;
  color: #eaf2f9;
  font-size: 1.25rem; /* Larger for readability */
}

.content-wrap {
  padding: 36px 20px 72px;
}

.content-card {
  margin-bottom: 18px;
  padding: 22px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.content-card h2 {
  font-size: clamp(1.4rem, 4vw, 2rem);
}

.content-card p,
.content-card li {
  color: #3f4c5a;
}

.content-card li {
  margin-bottom: 10px;
}

.money-callout {
  border-left: 6px solid var(--orange);
}

.mobile-sticky .button {
  width: 100%;
  box-shadow: 0 12px 30px rgba(8, 33, 63, 0.24);
}

@media (min-width: 760px) {
  .site-header {
    padding: 14px 36px;
  }

  .top-nav {
    display: flex;
  }

  .hero {
    grid-template-columns: minmax(0, 1.25fr) minmax(300px, 0.75fr);
    align-items: center;
    padding: 86px 40px 70px;
  }

  .section {
    padding: 72px 40px;
  }

  .calculator-grid {
    grid-template-columns: minmax(0, 1fr) minmax(330px, 0.82fr);
  }

  .conversion-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .lead-card {
    grid-column: 1 / -1;
  }

  .lead-card form {
    grid-template-columns: 1fr auto;
    align-items: end;
  }

  .lead-card label,
  .lead-card .copy-status {
    grid-column: 1 / -1;
  }

  .mobile-sticky {
    display: none;
  }

  .site-footer {
    grid-template-columns: 1fr auto;
    align-items: start;
    padding: 34px 40px;
  }

  .disclaimer {
    margin-bottom: 0;
  }
}

@media print {
  .site-header,
  .hero,
  .calculator-card,
  .mobile-sticky,
  .button,
  .conversion-grid,
  .faq,
  .disclaimer {
    display: none !important;
  }

  body {
    color: #000;
    background: #fff;
  }

  .section,
  .tool-card {
    padding: 0;
    box-shadow: none;
    border: 0;
  }
}

/* Trust & Logo Sections */
.trust-bar {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  padding: 24px 20px;
  background: var(--storm);
  border-bottom: 1px solid var(--border);
  opacity: 0.8;
}

.trust-bar img {
  height: 32px;
  filter: grayscale(1);
  opacity: 0.6;
}

.trust-badges {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin-top: 40px;
}

.badge-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 20px;
}

.badge-item img {
  width: 64px;
  height: 64px;
  margin-bottom: 12px;
}

.badge-item h4 {
  margin: 0 0 4px;
  font-weight: 800;
  color: var(--navy);
}

.badge-item p {
  font-size: 0.9rem;
  color: var(--gray);
  margin: 0;
}

/* Local SEO Grid */
.local-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
  gap: 12px;
  margin-top: 20px;
}

.local-link {
  display: block;
  padding: 12px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  text-align: center;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s;
}

.local-link:hover {
  border-color: var(--orange);
  color: var(--orange);
  background: var(--soft-blue);
}

/* Form Upgrades */
.premium-form {
  display: grid;
  gap: 16px;
}

.premium-form .field {
  margin: 0;
}

.premium-form input {
  border-color: var(--border);
  transition: all 0.2s;
}

.premium-form input:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 4px rgba(249, 115, 22, 0.1);
}

/* Price Anchoring Styles */
.price-stack { display: flex; align-items: baseline; gap: 8px; margin-bottom: 8px; }
.price-old { text-decoration: line-through; color: #94a3b8; font-size: 0.9rem; }
.price-new { color: var(--orange); font-size: 1.5rem; font-weight: 800; }
.u-text-small { font-size: 0.85rem; color: #64748b; }
.u-mt-8 { margin-top: 8px; }
.u-mb-16 { margin-bottom: 16px; }