/* ===== CSS Variables =====
   Brand palette from British Life Rates logo:
   - Navy blue (primary) ~ hsl(220, 70%, 28%)
   - Brand red (accent)  ~ hsl(355, 80%, 50%)
*/
:root {
  --background: hsl(0, 0%, 100%);
  --foreground: hsl(220, 25%, 12%);
  --card: hsl(0, 0%, 100%);
  --card-foreground: hsl(220, 25%, 12%);
  --primary: hsl(220, 70%, 28%);
  --primary-foreground: hsl(0, 0%, 100%);
  --secondary: hsl(220, 45%, 94%);
  --secondary-foreground: hsl(220, 70%, 22%);
  --muted: hsl(220, 25%, 96%);
  --muted-foreground: hsl(220, 12%, 45%);
  --accent: hsl(355, 80%, 50%);
  --accent-foreground: hsl(0, 0%, 100%);
  --destructive: hsl(355, 80%, 50%);
  --border: hsl(220, 22%, 90%);
  --input: hsl(220, 22%, 90%);
  --ring: hsl(220, 70%, 28%);
  /* "gold" tokens repurposed as brand red for backwards compatibility */
  --gold: hsl(355, 80%, 50%);
  --gold-light: hsl(355, 85%, 62%);
  --cream-dark: hsl(220, 25%, 95%);
  --navy: hsl(220, 70%, 28%);
  --navy-deep: hsl(220, 75%, 18%);
  --hero-gradient: linear-gradient(
    135deg,
    hsl(220, 75%, 18%) 0%,
    hsl(220, 70%, 32%) 100%
  );
  --gold-gradient: linear-gradient(
    135deg,
    hsl(355, 80%, 48%) 0%,
    hsl(355, 85%, 58%) 100%
  );
  --shadow-soft: 0 4px 20px -4px hsla(220, 70%, 22%, 0.14);
  --shadow-card: 0 8px 30px -8px hsla(220, 70%, 22%, 0.12);
  --shadow-gold: 0 4px 20px -4px hsla(355, 80%, 50%, 0.38);
  --radius: 0.5rem;
}

/* ===== Reset & Base ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
  border: 0 solid var(--border);
}
body {
  font-family: "Source Sans 3", sans-serif;
  font-size: 20px;
  color: var(--foreground);
  background: var(--background);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}
h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: "Playfair Display", serif;
}
a {
  color: inherit;
  text-decoration: none;
}
img {
  display: block;
  max-width: 100%;
}
input,
button {
  font-family: inherit;
  font-size: inherit;
}

/* ===== Utilities ===== */
.container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 2rem;
}
.hero-gradient {
  background: var(--hero-gradient);
}
.gold-gradient {
  background: var(--gold-gradient);
}
.shadow-soft {
  box-shadow: var(--shadow-soft);
}
.shadow-card {
  box-shadow: var(--shadow-card);
}
.shadow-gold {
  box-shadow: var(--shadow-gold);
}

/* ===== Animations ===== */
@keyframes fade-in {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}
@keyframes fade-in-up {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.animate-fade-in {
  animation: fade-in 0.5s ease-out forwards;
}
.animate-fade-in-up {
  animation: fade-in-up 0.6s ease-out forwards;
}

/* ===== Header ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: hsla(0, 0%, 100%, 0.95);
  backdrop-filter: blur(4px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 2rem;
  max-width: 1400px;
  margin: 0 auto;
}
.header-brand {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.header-brand svg {
  width: 32px;
  height: 32px;
  color: var(--gold);
}
.header-brand .brand-name {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary);
}
.header-brand .brand-sub {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--gold);
  margin-left: 0.25rem;
}
.header-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.header-nav a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--muted-foreground);
  transition: color 0.2s;
}
.header-nav a:hover {
  color: var(--foreground);
}
.mobile-toggle {
  display: none;
  padding: 0.5rem;
  background: none;
  cursor: pointer;
  color: var(--foreground);
}
.mobile-toggle svg {
  width: 24px;
  height: 24px;
}
.mobile-menu {
  display: none;
  padding: 1rem 2rem;
  border-top: 1px solid var(--border);
  background: var(--card);
}
.mobile-menu.open {
  display: block;
}
.mobile-menu a {
  display: block;
  padding: 0.5rem 0;
  color: var(--muted-foreground);
  font-size: 1rem;
}
.mobile-menu a:hover {
  color: var(--foreground);
}
.mobile-menu .phone-link {
  color: var(--gold);
  font-weight: 600;
}
@media (max-width: 768px) {
  .header-nav {
    display: none;
  }
  .mobile-toggle {
    display: block;
  }
}

/* ===== Hero ===== */
.hero {
  min-height: 600px;
  display: flex;
  align-items: stretch;
  overflow: hidden;
}
.hero-content {
  width: 100%;
  display: flex;
  align-items: center;
  background: var(--background);
  padding: 4rem 0;
}
.hero-content-inner {
  max-width: 36rem;
  padding: 0 3rem;
}
.hero-label {
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 1rem;
}
.hero h1 {
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 1.5rem;
  color: var(--foreground);
}
.hero h1 span {
  color: var(--primary);
}
.hero-desc {
  font-size: 1.25rem;
  color: var(--muted-foreground);
  margin-bottom: 2rem;
  max-width: 32rem;
}
.hero-image {
  display: none;
  width: 50%;
}
.hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
@media (min-width: 1024px) {
  .hero-content {
    width: 50%;
    padding: 5rem 0;
  }
  .hero-image {
    display: block;
  }
}
@media (min-width: 768px) {
  .hero h1 {
    font-size: 3rem;
  }
}
@media (min-width: 1024px) {
  .hero h1 {
    font-size: 3.75rem;
  }
}
@media (max-width: 768px) {
    .container {
        padding: 0 1rem;
    }
    .hero-content {
        padding-top: 2rem;
    }
    .hero-content-inner {
        padding: 0 1rem;
    }
}


/* Quote box */
.quote-box {
  background: var(--muted);
  border-radius: var(--radius);
  padding: 1.5rem;
  max-width: 28rem;
  box-shadow: var(--shadow-soft);
}
.quote-box-title {
  font-family: "Playfair Display", serif;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--foreground);
  margin-bottom: 1rem;
}
.quote-box-desc {
  font-size: 0.875rem;
  color: var(--muted-foreground);
  margin-bottom: 1rem;
}
.quote-btn {
  background: var(--gold-gradient);
  color: var(--accent-foreground);
  padding: 0.75rem 1.5rem;
  border-radius: calc(var(--radius) - 2px);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  transition: opacity 0.2s;
  box-shadow: var(--shadow-gold);
  border: none;
  width: 100%;
  justify-content: center;
}
.quote-btn:hover {
  opacity: 0.9;
}
.quote-note {
  font-size: 0.75rem;
  color: var(--muted-foreground);
  margin-top: 0.75rem;
}

/* Trust indicators */
.trust-indicators {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.trust-item svg {
  width: 16px;
  height: 16px;
  color: var(--primary);
  flex-shrink: 0;
}
.trust-item span {
  font-size: 0.875rem;
  color: var(--muted-foreground);
}

/* ===== Benefits ===== */
.benefits {
  padding: 5rem 0;
  background: var(--background);
}
.section-header {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto 4rem;
}
.section-label {
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-title {
  font-family: "Playfair Display", serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 1rem;
}
.section-desc {
  font-size: 1.125rem;
  color: var(--muted-foreground);
}
@media (min-width: 768px) {
  .section-title {
    font-size: 2.5rem;
  }
}
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
@media (min-width: 768px) {
  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .benefits-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.benefit-card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.3s;
}
.benefit-card:hover {
  box-shadow: var(--shadow-card);
}
.benefit-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  background: var(--gold-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  transition: transform 0.3s;
}
.benefit-card:hover .benefit-icon {
  transform: scale(1.1);
}
.benefit-icon svg {
  width: 24px;
  height: 24px;
  color: var(--accent-foreground);
}
.benefit-card h3 {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--foreground);
  margin-bottom: 0.75rem;
}
.benefit-card p {
  color: var(--muted-foreground);
  line-height: 1.7;
}

/* ===== How It Works ===== */
.how-it-works {
  padding: 5rem 0;
  background: var(--cream-dark);
}
.steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  max-width: 56rem;
  margin: 0 auto;
}
@media (min-width: 768px) {
  .steps-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.step {
  text-align: center;
  position: relative;
}
.step-circle {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--hero-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  box-shadow: var(--shadow-soft);
  position: relative;
  z-index: 1;
}
.step-circle svg {
  width: 32px;
  height: 32px;
  color: var(--primary-foreground);
}
.step-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.5rem;
}
.step h3 {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--foreground);
  margin-bottom: 0.75rem;
}
.step p {
  color: var(--muted-foreground);
  max-width: 20rem;
  margin: 0 auto;
}

/* ===== Who Is It For ===== */
.who-section {
  padding: 5rem 0;
  background: var(--background);
}
.who-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  max-width: 56rem;
  margin: 0 auto;
}
@media (min-width: 768px) {
  .who-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
.who-card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.3s;
  display: flex;
  gap: 1.25rem;
}
.who-card:hover {
  box-shadow: var(--shadow-card);
}
.who-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: var(--radius);
  background: var(--gold-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s;
}
.who-card:hover .who-icon {
  transform: scale(1.1);
}
.who-icon svg {
  width: 24px;
  height: 24px;
  color: var(--accent-foreground);
}
.who-card h3 {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--foreground);
  margin-bottom: 0.5rem;
}
.who-card p {
  color: var(--muted-foreground);
  line-height: 1.7;
}

/* ===== FAQ ===== */
.faq {
  padding: 5rem 0;
  background: var(--cream-dark);
}
.faq-list {
  max-width: 42rem;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.faq-item {
  background: var(--card);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.faq-trigger {
  width: 100%;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  font-family: "Source Sans 3", sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--foreground);
  text-align: left;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.faq-trigger:hover {
  background: hsla(210, 30%, 96%, 0.5);
}
.faq-trigger svg {
  width: 16px;
  height: 16px;
  color: var(--muted-foreground);
  transition: transform 0.2s;
  flex-shrink: 0;
}
.faq-item.open .faq-trigger svg {
  transform: rotate(180deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 1.5rem;
  color: var(--muted-foreground);
  line-height: 1.7;
}
.faq-item.open .faq-answer {
  max-height: 300px;
  padding: 0 1.5rem 1.25rem;
}

/* ===== CTA ===== */
.cta {
  padding: 5rem 0;
  background: var(--hero-gradient);
  position: relative;
  overflow: hidden;
  text-align: center;
}
.cta-bg-circle {
  position: absolute;
  border-radius: 50%;
  opacity: 0.1;
}
.cta-bg-circle.top {
  top: 0;
  right: 0;
  width: 24rem;
  height: 24rem;
  background: var(--gold);
  filter: blur(48px);
}
.cta-bg-circle.bottom {
  bottom: 0;
  left: 0;
  width: 16rem;
  height: 16rem;
  background: var(--gold);
  filter: blur(48px);
}
.cta-content {
  position: relative;
  z-index: 1;
}
.cta h2 {
  font-family: "Playfair Display", serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary-foreground);
  margin-bottom: 1rem;
}
@media (min-width: 768px) {
  .cta h2 {
    font-size: 2.5rem;
  }
}
.cta .cta-desc {
  font-size: 1.125rem;
  color: hsla(0, 0%, 100%, 0.7);
  margin-bottom: 2rem;
  max-width: 32rem;
  margin-left: auto;
  margin-right: auto;
}
.cta .cta-sub {
  font-size: 0.875rem;
  color: hsla(0, 0%, 100%, 0.6);
  margin-bottom: 1.5rem;
}

/* ===== Footer ===== */
.footer {
  padding: 3rem 0;
  background: var(--background);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
  font-size: 0.85rem;
  text-align: center;
}
@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
}
.footer-brand svg {
  width: 24px;
  height: 24px;
  color: var(--gold);
}
.footer-brand span {
  font-family: "Playfair Display", serif;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--foreground);
}
.footer-brand .accent {
  color: var(--primary);
}
.footer p.desc {
  font-size: 0.875rem;
  color: var(--muted-foreground);
  line-height: 1.7;
}
.footer h4 {
  font-weight: 600;
  color: var(--foreground);
  margin-bottom: 1rem;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.footer-links a {
  font-size: 0.875rem;
  color: var(--muted-foreground);
  transition: color 0.2s;
}
.footer-links a:hover {
  color: var(--foreground);
}
.footer-contact p {
  font-size: 0.875rem;
  color: var(--muted-foreground);
  margin-bottom: 0.5rem;
}
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 2rem;
  text-align: center;
}
.footer-bottom p {
  font-size: 0.75rem;
  color: var(--muted-foreground);
  margin-bottom: 0.5rem;
}

/* ===== Quote Form Page ===== */
.quote-page {
  min-height: 100vh;
  background: var(--muted);
  display: none;
  flex-direction: column;
}
.quote-page.active {
  display: flex;
}
.landing-page.hidden {
  display: none;
}
.form-step {
  display: none;
}
.form-step.active {
  display: block;
}
.quote-header {
  background: var(--card);
  border-bottom: 1px solid var(--border);
  padding: 0.75rem 1rem;
}
.quote-header-inner {
  max-width: 32rem;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}
.quote-header-inner svg {
  width: 24px;
  height: 24px;
  color: var(--gold);
}
.quote-header-inner .qh-name {
  font-family: "Playfair Display", serif;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--primary);
}
.quote-header-inner .qh-sub {
  font-family: "Playfair Display", serif;
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--gold);
}

/* Progress bar */
.progress-bar-container {
  width: 100%;
  background: var(--border);
  height: 2rem;
  position: relative;
}
.progress-bar-fill {
  height: 100%;
  background: var(--gold-gradient);
  transition: width 0.5s ease-out;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  min-width: 48px;
}
.progress-bar-fill span {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent-foreground);
  padding: 0 0.5rem;
}

/* Form card */
.form-card {
  background: var(--card);
  border-radius: 0.75rem;
  box-shadow: var(--shadow-card);
  padding: 1.5rem;
  max-width: 32rem;
  width: 100%;
  margin: 0 auto;
}
@media (min-width: 768px) {
  .form-card {
    padding: 2.5rem;
  }
}
.form-center {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 1rem;
}
@media (min-width: 768px) {
  .form-center {
    padding: 3rem 1rem;
  }
}

.step-title {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 1.5rem;
  text-align: center;
}
@media (min-width: 768px) {
  .step-title {
    font-size: 1.5rem;
  }
}

.option-btn {
  width: 100%;
  padding: 1rem 1.5rem;
  border-radius: var(--radius);
  border: 2px solid var(--border);
  background: var(--card);
  color: var(--foreground);
  text-align: left;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.2s;
  margin-bottom: 0.75rem;
  font-family: "Source Sans 3", sans-serif;
}
.option-btn:hover {
  border-color: hsla(210, 85%, 45%, 0.5);
  background: var(--muted);
}
.option-btn.selected {
  border-color: var(--primary);
  background: var(--secondary);
  color: var(--secondary-foreground);
  box-shadow: var(--shadow-soft);
}
.option-btn-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.option-btn-grid .option-btn {
  margin-bottom: 0;
}

.form-input, .idpc-input, .idpc-select {
  display: block;
  width: 100%;
  height: 3rem;
  border-radius: var(--radius);
  border: 2px solid var(--border);
  background: var(--card);
  padding: 0.5rem 1rem;
  font-size: 1rem;
  color: var(--foreground);
  outline: none;
  transition: border-color 0.2s;
  font-family: "Source Sans 3", sans-serif;
}
.form-input:focus , .idpc-input:focus {
  border-color: var(--primary);
}
.form-input::placeholder, .idpc-input::placeholder {
  color: var(--muted-foreground);
}
.form-input-tall {
  height: 3.5rem;
  font-size: 1.25rem;
  text-align: center;
}

.form-label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--foreground);
  margin-bottom: 0.25rem;
  display: block;
}
.form-label .optional {
  color: var(--muted-foreground);
}
.form-group {
  margin-bottom: 1rem;
}
.form-error {
  color: var(--destructive);
  font-size: 0.875rem;
  margin-top: 0.25rem;
}
.form-hint {
  color: var(--muted-foreground);
  font-size: 0.875rem;
  margin-top: 0.75rem;
}

.dob-row {
  display: flex;
  gap: 0.75rem;
}
.dob-row .dob-col {
  flex: 1;
}
.dob-row .dob-col-wide {
  flex: 1.5;
}

.nav-row {
  display: flex;
  gap: 0.75rem;
  margin-top: 2rem;
}
.nav-btn, .idpc-button {
  flex: 1;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  transition: all 0.2s;
  border: none;
  font-family: "Source Sans 3", sans-serif;
  font-size: 1rem;
}

.idpc-button {
 width: 100%;
 margin-top: 8px;
background: var(--gold-gradient);
color: var(--accent-foreground);
box-shadow: var(--shadow-gold);
}

.idpc-select-container {
    margin-top: 10px;
}

.address-manual {
    font-size: 1rem;
    text-align: center;
    margin: 10px 0;
}

.nav-btn-back {
  border: 2px solid var(--border);
  background: var(--card);
  color: var(--foreground);
}
.nav-btn-back:hover {
  background: var(--muted);
}
.nav-btn-next {
  background: var(--gold-gradient);
  color: var(--accent-foreground);
  box-shadow: var(--shadow-gold);
}
.nav-btn-next:hover {
  opacity: 0.9;
}
.step-indicator {
  text-align: center;
  font-size: 0.75rem;
  color: var(--muted-foreground);
  margin-top: 1rem;
}

/* Consent & disclaimer */
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
  margin-top: 1rem;
}
.consent-label input {
  margin-top: 0.25rem;
  width: 16px;
  height: 16px;
  accent-color: var(--primary);
}
.consent-label span {
  font-size: 0.75rem;
  color: var(--muted-foreground);
  line-height: 1.6;
}
.disclaimer-box {
  background: var(--muted);
  border-radius: var(--radius);
  padding: 1rem;
  margin-top: 1rem;
}
.disclaimer-box p {
  font-size: 0.75rem;
  color: var(--muted-foreground);
  line-height: 1.6;
  margin-bottom: 0.75rem;
}
.disclaimer-box p:last-child {
  margin-bottom: 0;
}

/* Confirmation */
.confirm-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--gold-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
}
.confirm-icon svg {
  width: 32px;
  height: 32px;
  color: var(--accent-foreground);
}
.confirm-title {
  font-family: "Playfair Display", serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--foreground);
  margin-bottom: 1rem;
  text-align: center;
}
@media (min-width: 768px) {
  .confirm-title {
    font-size: 1.875rem;
  }
}
.confirm-desc {
  color: var(--muted-foreground);
  margin-bottom: 1.5rem;
  text-align: center;
}
.confirm-btn {
  background: var(--gold-gradient);
  color: var(--accent-foreground);
  padding: 0.75rem 2rem;
  border-radius: var(--radius);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  border: none;
  box-shadow: var(--shadow-gold);
  transition: opacity 0.2s;
  font-family: "Source Sans 3", sans-serif;
  font-size: 1rem;
}
.confirm-btn:hover {
  opacity: 0.9;
}

.icon {
  display: inline-block;
  vertical-align: middle;
}

.feather-map {
    width: 1rem;
    height: 1rem;
    display: inline;
    margin-right: 0.25rem;
    vertical-align: middle;
}

/* ===========================================================
   Thank You page (ported from seniorsliferates.co.uk/thank-you)
   Mirrors the Tailwind utility layout using project tokens.
   =========================================================== */
.ty-page {
  min-height: 100vh;
  background: var(--background);
  color: var(--foreground);
  font-family: "Source Sans 3", sans-serif;
}

.ty-header {
  border-bottom: 1px solid var(--border);
  padding: 0.75rem 1rem;
  background: var(--card);
}
.ty-header-inner {
  max-width: 48rem;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
}

.ty-hero {
  background: linear-gradient(to bottom, hsla(210, 85%, 45%, 0.06), var(--background));
  padding: 2.5rem 1rem 2rem;
  text-align: center;
}
.ty-hero-inner {
  max-width: 36rem;
  margin: 0 auto;
}
.ty-title {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 1.875rem;
  line-height: 1.15;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 0.75rem;
}
.ty-subtitle {
  color: var(--foreground);
  font-size: 1.125rem;
  line-height: 1.6;
  max-width: 32rem;
  margin: 0 auto;
}
.ty-subtitle strong { color: var(--foreground); font-weight: 700; }

@media (min-width: 768px) {
  .ty-title { font-size: 3rem; }
  .ty-subtitle { font-size: 1.25rem; }
}

.ty-section { padding: 0 1rem 2rem; }
.ty-section-pull { margin-top: -0.5rem; }
.ty-section-last { padding-bottom: 2.5rem; }

.ty-provider-card {
  max-width: 32rem;
  margin: 0 auto;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 1rem;
  box-shadow: var(--shadow-card);
  overflow: hidden;
}
.ty-provider-head {
  background: hsla(210, 85%, 45%, 0.06);
  border-bottom: 1px solid var(--border);
  padding: 1rem 1.5rem;
}
.ty-provider-eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin: 0;
}
.ty-provider-body { padding: 1.5rem; }
.ty-provider-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}
.ty-provider-logo img { height: 3.5rem; object-fit: contain; }

.ty-rating {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.ty-stars { display: inline-flex; gap: 0.125rem; }
.ty-star {
  width: 1.25rem;
  height: 1.25rem;
  color: hsl(43, 96%, 56%);
}
.ty-rating-score {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--foreground);
  background: none;
  border: none;
  padding: 0;
  text-decoration: underline dotted;
  text-underline-offset: 4px;
  cursor: default;
}

.ty-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.ty-stat {
  text-align: center;
  padding: 0.75rem;
  background: hsla(210, 30%, 96%, 0.6);
  border-radius: 0.75rem;
}
.ty-stat-value { font-size: 1rem; font-weight: 700; color: var(--foreground); margin: 0; }
.ty-stat-label { font-size: 0.75rem; color: var(--foreground); margin: 0.125rem 0 0; }

.ty-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem;
}
.ty-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--foreground);
}
.ty-check-icon {
  width: 1rem;
  height: 1rem;
  color: var(--primary);
  flex-shrink: 0;
}
.ty-check-lg { width: 1.25rem; height: 1.25rem; margin-top: 0.125rem; }

.ty-info-card {
  max-width: 32rem;
  margin: 0 auto;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 1rem;
  padding: 1.5rem;
}
.ty-info-title {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--foreground);
  margin: 0 0 1.25rem;
}
.ty-steps { display: flex; flex-direction: column; gap: 1.25rem; }
.ty-step { display: flex; gap: 1rem; }
.ty-step-num { font-size: 1.5rem; line-height: 1; margin-top: 0.125rem; flex-shrink: 0; }
.ty-step-title { font-size: 1rem; font-weight: 600; color: var(--foreground); margin: 0; }
.ty-step-desc { font-size: 0.875rem; color: var(--foreground); margin: 0.125rem 0 0; line-height: 1.55; }

.ty-why { max-width: 32rem; margin: 0 auto; text-align: center; }
.ty-why-title {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--foreground);
  margin: 0 0 1rem;
}
.ty-why-list { display: flex; flex-direction: column; gap: 0.75rem; text-align: left; }
.ty-why-item { display: flex; align-items: flex-start; gap: 0.75rem; }
.ty-why-item p {
  font-size: 1rem;
  color: var(--foreground);
  line-height: 1.6;
  margin: 0;
}
/* =========================================================
   /apply funnel — card-based step UI ported from NPP design,
   adapted to British Life Rates brand tokens.
   ========================================================= */
.apply-page {
  min-height: 100vh;
  background: #f6f8fc;
  display: flex;
  flex-direction: column;
  font-family: "Source Sans 3", "Source Sans Pro", system-ui, sans-serif;
}
.apply-header {
  padding: 28px 16px 8px;
  display: flex;
  justify-content: center;
}
.apply-header img { height: 48px; width: auto; }
.apply-title-wrap { padding: 16px 16px 0; text-align: center; }
.apply-title {
  margin: 0;
  font-family: "Playfair Display", Georgia, serif;
  font-weight: 700;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  color: var(--primary);
  letter-spacing: -0.01em;
}
.apply-subtitle {
  margin: 8px 0 0;
  color: var(--muted-foreground);
  font-size: 0.95rem;
}
.apply-card-wrap { padding: 24px 16px; }
.apply-card {
  max-width: 640px;
  margin: 0 auto;
  background: #fff;
  border-radius: 16px;
  padding: 28px 24px;
  box-shadow: 0 10px 40px -12px rgba(15, 30, 60, 0.18);
}
@media (min-width: 640px) { .apply-card { padding: 32px; } }
.apply-progress {
  height: 6px;
  width: 100%;
  background: hsl(220, 14%, 92%);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 22px;
}
.apply-progress-fill {
  height: 100%;
  background: var(--primary);
  transition: width 300ms ease;
}
.apply-step-title {
  margin: 0 0 18px;
  text-align: center;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
}
.apply-step-sub {
  margin: -10px 0 18px;
  text-align: center;
  color: var(--muted-foreground);
  font-size: 0.9rem;
}
.apply-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: 1fr;
}
.apply-grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (min-width: 540px) {
  .apply-grid-cols-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.apply-option {
  width: 100%;
  background: #fff;
  border: 1px solid hsl(220, 13%, 82%);
  border-radius: 10px;
  padding: 14px 16px;
  text-align: left;
  font: inherit;
  font-size: 0.98rem;
  color: hsl(220, 14%, 25%);
  cursor: pointer;
  transition: all 160ms ease;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}
.apply-option:hover {
  border-color: var(--primary);
  background: hsl(220, 70%, 97%);
}
.apply-option.selected {
  border-color: var(--primary);
  background: hsl(220, 70%, 95%);
}
.apply-option-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 20px 16px;
  text-align: center;
}
.apply-option-tile img { height: 88px; width: auto; object-fit: contain; }
.apply-option-tile span { font-weight: 600; font-size: 0.98rem; color: hsl(220, 14%, 25%); }
.apply-input {
  width: 100%;
  border: 1px solid hsl(220, 13%, 80%);
  background: #fff;
  border-radius: 8px;
  padding: 12px 14px;
  font: inherit;
  font-size: 1rem;
  color: hsl(220, 14%, 20%);
}
.apply-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px hsl(220, 70%, 28%, 0.18);
}
.apply-field { margin-bottom: 12px; }
.apply-field-error { color: #b42318; font-size: 0.85rem; margin: 4px 0 0; }
.apply-dob-tabs {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 1.6rem;
  font-weight: 700;
  margin-bottom: 16px;
}
.apply-dob-tab {
  background: transparent;
  border: none;
  color: hsl(220, 9%, 50%);
  padding: 4px 10px;
  border-radius: 6px;
  cursor: pointer;
  font: inherit;
  font-weight: 700;
  min-width: 3rem;
}
.apply-dob-tab.active {
  background: hsl(220, 70%, 95%);
  color: var(--primary);
}
.apply-dob-tab-year { min-width: 4.5rem; }
.apply-dob-reset {
  background: none;
  border: none;
  color: hsl(220, 9%, 50%);
  text-decoration: underline;
  font-size: 0.85rem;
  cursor: pointer;
  margin-left: 8px;
}
.apply-pick-grid { display: grid; gap: 8px; }
.apply-pick-grid-4 { grid-template-columns: repeat(4, 1fr); }
.apply-pick-grid-7 { grid-template-columns: repeat(7, 1fr); }
.apply-pick-grid-5 {
  grid-template-columns: repeat(5, 1fr);
  max-height: 18rem;
  overflow-y: auto;
  padding-right: 4px;
}
@media (min-width: 540px) {
  .apply-pick-grid-5 { grid-template-columns: repeat(6, 1fr); }
}
.apply-pick {
  background: #fff;
  border: 1px solid hsl(220, 13%, 82%);
  border-radius: 8px;
  padding: 8px 6px;
  font: inherit;
  font-size: 0.85rem;
  color: hsl(220, 14%, 25%);
  cursor: pointer;
  transition: all 140ms;
}
.apply-pick:hover { border-color: var(--primary); background: hsl(220, 70%, 97%); }
.apply-pick.selected { border-color: var(--primary); background: hsl(220, 70%, 94%); }
.apply-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: none;
  background: var(--primary);
  color: #fff;
  font: inherit;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: 999px;
  padding: 12px 32px;
  cursor: pointer;
  transition: opacity 160ms;
}
.apply-cta:hover:not(:disabled) { opacity: 0.92; }
.apply-cta:disabled { opacity: 0.4; cursor: not-allowed; }
.apply-cta-block { width: 100%; padding: 14px 28px; font-size: 1rem; }
.apply-back {
  background: none;
  border: none;
  color: hsl(220, 9%, 50%);
  text-decoration: underline;
  font-size: 0.9rem;
  cursor: pointer;
}
.apply-consent {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  padding-top: 8px;
  font-size: 0.78rem;
  color: hsl(220, 9%, 45%);
  line-height: 1.5;
}
.apply-fineprint {
  margin-top: 14px;
  font-size: 0.75rem;
  color: hsl(220, 9%, 50%);
  line-height: 1.5;
  text-align: center;
}
.apply-fineprint a { color: var(--primary); text-decoration: underline; }
.apply-section-title {
  margin: 40px 0 18px;
  text-align: center;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--primary);
}
.apply-carriers {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.apply-carriers img { max-height: 56px; width: auto; opacity: 0.85; }
.apply-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: hsl(220, 14%, 30%);
  margin-bottom: 6px;
}