/* ==========================================================================
   Zambito Health Quotes — shared stylesheet (index, privacy, terms)
   Mobile-first. Design language taken from the business card.
   ========================================================================== */

:root {
  /* Brand palette (from the business card) */
  --navy: #0B1D4D;
  --teal: #0E7C86;
  --deep-green: #0F4D45;
  --white: #FFFFFF;
  --light-gray: #E6E8EC;

  /* Supporting tones (chosen for WCAG AA contrast) */
  --teal-dark: #0B6A73;      /* small teal text on tinted backgrounds (5.7:1 on --mist) */
  --teal-on-navy: #6CCBD2;   /* teal text on navy (7.9:1) */
  --ink: #1A2340;            /* body text */
  --muted: #4A5468;          /* secondary text (7.8:1 on white) */
  --rule: #C9CDD4;           /* thin dividers */
  --mist: #F4F5F7;           /* tinted section background */
  --error: #B42318;
  --success: #0F4D45;

  /* Type */
  --font-serif: "Cinzel", "Times New Roman", Georgia, serif;
  --font-label: "Montserrat", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  /* Layout */
  --max: 1180px;
  --gutter: 16px;
  --header-h: 68px;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 29, 77, .08);
  --shadow-lg: 0 18px 50px rgba(11, 29, 77, .14);
  --section-pad: clamp(64px, 9vw, 112px);
}

@media (min-width: 640px) {
  :root { --gutter: 24px; }
}

@media (min-width: 1024px) {
  :root { --header-h: 80px; }
}

/* --------------------------------------------------------------------------
   Base
   -------------------------------------------------------------------------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  overflow-x: hidden;
}

img,
svg { display: block; max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 {
  margin: 0 0 .6em;
  color: var(--navy);
  font-family: var(--font-serif);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: .02em;
}

h2 { font-size: clamp(1.75rem, 1.2rem + 2.4vw, 2.75rem); text-transform: uppercase; }
h3 { font-size: clamp(1.15rem, 1rem + .6vw, 1.4rem); }

p { margin: 0 0 1em; }

a { color: var(--teal); text-underline-offset: .18em; }
a:hover { color: var(--navy); }

:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 3px;
  border-radius: 4px;
}

.on-navy :focus-visible,
.site-footer :focus-visible { outline-color: var(--teal-on-navy); }

.sr-only {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: var(--gutter);
  top: -100px;
  z-index: 200;
  padding: 10px 16px;
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
  border-radius: 0 0 8px 8px;
}
.skip-link:focus { top: 0; color: var(--white); }

.container {
  width: 100%;
  max-width: var(--max);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section { padding-block: var(--section-pad); }
.section--tint { background: var(--mist); }

.icon {
  width: 1em;
  height: 1em;
  flex: none;
  fill: currentColor;
}

/* Wide-tracked all-caps label, like "HEALTH QUOTES" on the card */
.eyebrow {
  display: inline-block;
  margin: 0 0 14px;
  color: var(--teal);
  font-family: var(--font-label);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .3em;
  text-transform: uppercase;
}
.section--tint .eyebrow { color: var(--teal-dark); }

.section-head {
  max-width: 720px;
  margin: 0 auto clamp(36px, 5vw, 56px);
  text-align: center;
}
.section-head p:not(.eyebrow) { color: var(--muted); font-size: 1.05rem; }

/* "—— MICHAEL ZAMBITO ——" rule lockup */
.rule-lockup {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 0;
  color: var(--navy);
  font-family: var(--font-label);
  font-weight: 700;
  letter-spacing: .3em;
  text-transform: uppercase;
}
.rule-lockup::before,
.rule-lockup::after {
  content: "";
  flex: 1 1 40px;
  max-width: 90px;
  height: 2px;
  background: var(--teal);
}


/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 12px 26px;
  border: 2px solid var(--teal);
  border-radius: 999px;
  background: var(--teal);
  color: var(--white);
  font-family: var(--font-label);
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  text-decoration: none;
  cursor: pointer;
  transition: background-color .2s, border-color .2s, color .2s, transform .2s;
}
.btn:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.btn:active { transform: translateY(1px); }

.btn--outline {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn--outline:hover { background: var(--navy); color: var(--white); }

.btn--light {
  background: var(--white);
  border-color: var(--white);
  color: var(--navy);
}
.btn--light:hover {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
}

.btn--sm { min-height: 42px; padding: 9px 20px; font-size: .74rem; }
.btn--block { width: 100%; }

/* --------------------------------------------------------------------------
   Social links (footer; hidden until a URL is provided)
   -------------------------------------------------------------------------- */
.social {
  display: flex;
  gap: 8px;
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
}
.social[hidden],
.social li[hidden] { display: none; }
.footer-col .social li { margin: 0; }
.social a {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border: 1.5px solid rgba(255, 255, 255, .45);
  border-radius: 50%;
  color: var(--white);
}
.social a:hover { background: rgba(255, 255, 255, .12); color: var(--white); }

/* --------------------------------------------------------------------------
   Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .97);
  border-bottom: 1px solid transparent;
  transition: border-color .2s, box-shadow .2s;
}
.site-header.is-scrolled {
  border-bottom-color: var(--light-gray);
  box-shadow: 0 4px 18px rgba(11, 29, 77, .06);
}
@supports (backdrop-filter: blur(6px)) {
  .site-header { background: rgba(255, 255, 255, .9); backdrop-filter: blur(8px); }
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: var(--header-h);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  text-decoration: none;
}
.brand img {
  width: 40px;
  height: auto;
  mix-blend-mode: multiply; /* blends the logo's off-white background into the header */
}
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.brand__tag {
  margin-top: 5px;
  color: var(--teal);
  font-family: var(--font-label);
  font-size: .58rem;
  font-weight: 700;
  letter-spacing: .32em;
  text-transform: uppercase;
}

.nav-toggle {
  display: inline-grid;
  place-items: center;
  width: 46px;
  height: 46px;
  padding: 0;
  border: 0;
  border-radius: 10px;
  background: transparent;
  color: var(--navy);
  cursor: pointer;
}
.nav-toggle__bars,
.nav-toggle__bars::before,
.nav-toggle__bars::after {
  display: block;
  width: 24px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform .25s, opacity .2s;
}
.nav-toggle__bars { position: relative; }
.nav-toggle__bars::before,
.nav-toggle__bars::after { content: ""; position: absolute; left: 0; }
.nav-toggle__bars::before { top: -7px; }
.nav-toggle__bars::after { top: 7px; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars { background: transparent; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::before { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::after { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu panel */
.site-nav {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  display: none;
  padding: 8px var(--gutter) 24px;
  background: var(--white);
  border-top: 1px solid var(--light-gray);
  box-shadow: var(--shadow-lg);
  max-height: calc(100vh - var(--header-h));
  overflow-y: auto;
}
.site-nav.is-open { display: block; }

.site-nav ul {
  margin: 0 0 16px;
  padding: 0;
  list-style: none;
}
.nav-link {
  position: relative;
  display: block;
  padding: 13px 4px;
  border-bottom: 1px solid var(--light-gray);
  color: var(--navy);
  font-family: var(--font-label);
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-decoration: none;
  text-transform: uppercase;
}
.nav-link:hover,
.nav-link.is-active { color: var(--teal); }

@media (min-width: 1080px) {
  .brand img { width: 46px; }
  .brand__name { font-size: 1.45rem; }
  .brand__tag { font-size: .62rem; }

  .nav-toggle { display: none; }

  .site-nav {
    position: static;
    display: flex;
    align-items: center;
    gap: 22px;
    padding: 0;
    background: none;
    border: 0;
    box-shadow: none;
    max-height: none;
    overflow: visible;
  }
  .site-nav ul { display: flex; gap: 4px; margin: 0; }
  .nav-link {
    padding: 8px 9px;
    border: 0;
    font-size: .72rem;
    letter-spacing: .14em;
  }
  .nav-link::after {
    content: "";
    position: absolute;
    left: 9px;
    right: 9px;
    bottom: 2px;
    height: 2px;
    background: var(--teal);
    transform: scaleX(0);
    transition: transform .25s;
  }
  .nav-link:hover::after,
  .nav-link.is-active::after { transform: scaleX(1); }
}

/* --------------------------------------------------------------------------
   Hero — white panel framed by a navy sweep with a teal arc, like the card
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background: var(--navy);
  padding-bottom: 28px;
}
.hero__panel {
  position: relative;
  margin-left: 10px;
  padding-block: 48px 40px;
  background: var(--white);
  border-left: 3px solid var(--teal);
  border-radius: 72px 0 0 56px / 140px 0 0 96px;
}

.hero__grid {
  display: grid;
  gap: 36px;
  align-items: center;
}

.hero__lockup { text-align: center; }

.hero__title {
  margin: 0;
  color: var(--navy);
  font-family: var(--font-serif);
  font-size: clamp(2.6rem, 1.4rem + 6vw, 5.2rem);
  font-weight: 700;
  line-height: 1;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.hero__title-sub {
  display: block;
  margin-top: 10px;
  color: var(--teal);
  font-family: var(--font-label);
  font-size: clamp(.95rem, .7rem + 1.4vw, 1.75rem);
  font-weight: 700;
  letter-spacing: .32em;
  /* tracking adds trailing space; nudge to keep it optically centered */
  margin-right: -.32em;
}
.hero .rule-lockup {
  justify-content: center;
  margin-top: 24px;
  font-size: clamp(.85rem, .7rem + .6vw, 1.1rem);
}
.hero__role {
  margin: 8px 0 0;
  color: var(--navy);
  font-family: var(--font-label);
  font-size: clamp(.66rem, .6rem + .3vw, .8rem);
  font-weight: 500;
  letter-spacing: .32em;
  text-transform: uppercase;
}
.hero__intro {
  max-width: 34em;
  margin: 26px auto 28px;
  color: var(--muted);
  font-size: 1.08rem;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
}

/* Headshot slot */
.headshot {
  position: relative;
  width: min(260px, 70vw);
  margin: 0 auto;
}
.headshot__frame {
  position: relative;
  aspect-ratio: 1;
  border-radius: 50%;
  padding: 8px;
  background: var(--white);
  box-shadow: 0 0 0 3px var(--teal), var(--shadow-lg);
}
.headshot__frame picture {
  display: block;
  width: 100%;
  height: 100%;
  border-radius: 50%;
  overflow: hidden;
  background: var(--navy);
}
/* The photo is portrait (2:3). object-position frames the top of it, and the
   slight zoom centers the face in the circle. Adjust these three values if the
   photo is replaced. */
.headshot__frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 15%;
  transform: scale(1.37);
  transform-origin: 49% 31%;
}

@media (min-width: 900px) {
  .hero { padding-bottom: 44px; }
  .hero__panel {
    margin-left: clamp(24px, 4vw, 64px);
    padding-block: 72px 64px;
    border-left-width: 4px;
    border-radius: 300px 0 0 220px / 100% 0 0 60%;
  }
  .hero__grid {
    grid-template-columns: minmax(240px, 5fr) 7fr;
    gap: clamp(32px, 5vw, 72px);
  }
  .headshot { width: min(340px, 100%); }
  .hero__lockup { text-align: left; }
  .hero__title-sub { margin-right: 0; }
  .hero .rule-lockup { justify-content: flex-start; }
  .hero .rule-lockup::before { display: none; }
  .hero__intro { margin-inline: 0; }
  .hero__actions { justify-content: flex-start; }
}

/* --------------------------------------------------------------------------
   Value props — outline-circle icons with vertical gray dividers
   -------------------------------------------------------------------------- */
.values {
  display: grid;
  margin: 48px 0 0;
  padding: 0;
  list-style: none;
}
.value {
  padding: 22px 12px;
  text-align: center;
}
.value + .value { border-top: 1px solid var(--rule); }

.icon-ring {
  display: grid;
  place-items: center;
  width: 76px;
  height: 76px;
  margin: 0 auto 14px;
  border: 2.5px solid var(--teal);
  border-radius: 50%;
  color: var(--teal);
}
.icon-ring .icon { width: 38px; height: 38px; }

.value__label {
  margin: 0 0 4px;
  color: var(--teal);
  font-family: var(--font-label);
  font-size: .95rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.value__text {
  margin: 0;
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.45;
}

@media (min-width: 720px) {
  .values { grid-template-columns: repeat(3, 1fr); }
  .value { padding: 6px 20px; }
  .value + .value { border-top: 0; border-left: 1px solid var(--rule); }
}

/* --------------------------------------------------------------------------
   About
   -------------------------------------------------------------------------- */
.about {
  display: grid;
  gap: 40px;
  align-items: center;
}
.about__body p { color: var(--muted); font-size: 1.05rem; }
.about__body .lead {
  color: var(--ink);
  font-size: 1.2rem;
  line-height: 1.6;
}
.about__card {
  position: relative;
  padding: 36px 28px;
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.about__card::before {
  /* small navy sweep in the corner, echoing the card */
  content: "";
  position: absolute;
  right: -60px;
  bottom: -60px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: var(--navy);
  box-shadow: 0 0 0 6px var(--white), 0 0 0 9px var(--teal);
}
.about__card ul {
  position: relative;
  margin: 0;
  padding: 0;
  list-style: none;
}
.about__card li {
  display: flex;
  gap: 12px;
  padding: 10px 0;
  max-width: 78%;
}
.about__card li .icon {
  width: 22px;
  height: 22px;
  margin-top: 2px;
  color: var(--teal);
}

@media (min-width: 900px) {
  .about { grid-template-columns: 7fr 5fr; gap: 72px; }
}

/* --------------------------------------------------------------------------
   Stat band — one centered stat on navy with a sweeping corner and teal arc
   -------------------------------------------------------------------------- */
.stats {
  position: relative;
  background: var(--navy);
  color: var(--white);
  border-top: 3px solid var(--teal);
  border-top-right-radius: clamp(80px, 22vw, 320px) 100%;
  padding-block: clamp(56px, 8vw, 92px);
}
.stat { text-align: center; }
.stat__num {
  margin: 0;
  color: var(--white);
  font-family: var(--font-serif);
  font-size: clamp(3.4rem, 2.4rem + 5vw, 6rem);
  font-weight: 700;
  line-height: 1;
  letter-spacing: .02em;
  font-variant-numeric: tabular-nums;
}
/* "—— INDIVIDUALS & FAMILIES HELPED ——", like the name lockup on the card */
.stat__label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin: 18px 0 0;
  color: var(--teal-on-navy);
  font-family: var(--font-label);
  font-size: clamp(.72rem, .66rem + .3vw, .9rem);
  font-weight: 600;
  letter-spacing: .3em;
  text-transform: uppercase;
}
.stat__label::before,
.stat__label::after {
  content: "";
  flex: 0 1 70px;
  height: 2px;
  background: var(--teal);
}

/* --------------------------------------------------------------------------
   Services cards
   -------------------------------------------------------------------------- */
.cards {
  display: grid;
  gap: 28px;
}
.card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform .25s, box-shadow .25s;
}
@media (hover: hover) and (prefers-reduced-motion: no-preference) {
  .card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
}
.card__media {
  aspect-ratio: 16 / 10;
  background: var(--light-gray);
}
.card__media img { width: 100%; height: 100%; object-fit: cover; }
.card__body {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 26px 24px 28px;
}
.card__kicker {
  margin: 0 0 6px;
  color: var(--teal);
  font-family: var(--font-label);
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .26em;
  text-transform: uppercase;
}
.card h3 { margin-bottom: 14px; }

.checklist {
  margin: 0 0 24px;
  padding: 0;
  list-style: none;
}
.checklist li {
  position: relative;
  padding: 6px 0 6px 30px;
  color: var(--ink);
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 10px;
  width: 18px;
  height: 18px;
  border: 2px solid var(--teal);
  border-radius: 50%;
  background: radial-gradient(circle, var(--teal) 0 3px, transparent 3.5px);
}
.card .btn { margin-top: auto; }

@media (min-width: 720px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .cards { grid-template-columns: repeat(3, 1fr); }
}

/* Compliance disclaimers */
.disclaimer {
  max-width: 860px;
  margin: 40px auto 0;
  padding: 18px 20px;
  border-left: 3px solid var(--teal);
  background: var(--mist);
  border-radius: 0 10px 10px 0;
  color: var(--muted);
  font-size: .86rem;
  line-height: 1.6;
}
.disclaimer p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Why choose us
   -------------------------------------------------------------------------- */
.why {
  display: grid;
  gap: 40px;
  align-items: start;
}
.why__intro p { color: var(--muted); font-size: 1.05rem; }
.why__list {
  display: grid;
  gap: 0;
  margin: 0;
  padding: 0;
  list-style: none;
}
.why__item {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 18px;
  padding: 22px 0;
}
.why__item + .why__item { border-top: 1px solid var(--rule); }
.why__item .icon-ring { width: 56px; height: 56px; margin: 0; }
.why__item .icon-ring .icon { width: 26px; height: 26px; }
.why__item h3 {
  margin: 4px 0 6px;
  font-family: var(--font-label);
  font-size: .95rem;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.why__item p { margin: 0; color: var(--muted); }
.section--tint .why__item .icon-ring { border-color: var(--teal-dark); color: var(--teal-dark); }

@media (min-width: 900px) {
  .why { grid-template-columns: 5fr 7fr; gap: 72px; }
  .why__intro { position: sticky; top: calc(var(--header-h) + 32px); }
}

/* --------------------------------------------------------------------------
   Providers
   -------------------------------------------------------------------------- */
.carriers {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin: 0;
  padding: 0;
  list-style: none;
}
.carrier-tile {
  display: grid;
  place-items: center;
  min-height: 108px;
  padding: 18px;
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  text-align: center;
}
/* Logos are shown unaltered: only scaled proportionally to fit the same tile */
.carrier-tile img {
  width: auto;
  height: auto;
  max-width: 100%;
  max-height: 48px;
  object-fit: contain;
}
.carriers-note {
  margin: 22px 0 0;
  color: var(--muted);
  font-size: .9rem;
  text-align: center;
}
.carriers-note small { display: block; margin-top: 4px; font-size: .8rem; }

@media (min-width: 720px) {
  .carriers { grid-template-columns: repeat(3, 1fr); gap: 18px; }
}
@media (min-width: 1024px) {
  .carriers { grid-template-columns: repeat(6, 1fr); }
}

/* --------------------------------------------------------------------------
   How It Works — outline-circle icons with vertical gray dividers
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  margin: 0;
  padding: 0;
  list-style: none;
}
.step {
  padding: 26px 12px;
  text-align: center;
}
.step + .step { border-top: 1px solid var(--rule); }
.section--tint .step .icon-ring { border-color: var(--teal-dark); color: var(--teal-dark); }
.step__num {
  margin: 0 0 4px;
  color: var(--teal-dark);
  font-family: var(--font-label);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .3em;
  text-transform: uppercase;
}
.step__title {
  margin: 0 0 8px;
  font-family: var(--font-label);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.step__text {
  max-width: 26em;
  margin: 0 auto;
  color: var(--ink);
}
.steps__cta {
  margin: 36px 0 0;
  text-align: center;
}

@media (min-width: 720px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
  .step { padding: 8px 24px; }
  .step + .step { border-top: 0; border-left: 1px solid var(--rule); }
}

/* --------------------------------------------------------------------------
   FAQ accordion
   -------------------------------------------------------------------------- */
.faq {
  max-width: 860px;
  margin: 0 auto;
  border-top: 1px solid var(--rule);
}
.faq__item { border-bottom: 1px solid var(--rule); }
.faq__item h3 { margin: 0; font-size: inherit; }
.faq__button {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  width: 100%;
  padding: 22px 4px;
  border: 0;
  background: none;
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 1.06rem;
  font-weight: 600;
  line-height: 1.4;
  text-align: left;
  cursor: pointer;
}
.faq__button:hover { color: var(--teal); }
.faq__icon {
  position: relative;
  display: grid;
  place-items: center;
  flex: none;
  width: 32px;
  height: 32px;
  border: 2px solid var(--teal);
  border-radius: 50%;
}
.faq__icon::before,
.faq__icon::after {
  content: "";
  position: absolute;
  width: 12px;
  height: 2px;
  background: var(--teal);
  transition: transform .25s;
}
.faq__icon::after { transform: rotate(90deg); }
.faq__button[aria-expanded="true"] .faq__icon::after { transform: rotate(0deg); }

.faq__panel { padding: 0 52px 22px 4px; color: var(--muted); }
.faq__panel p:last-child { margin-bottom: 0; }
.faq__panel[hidden] { display: none; }

/* --------------------------------------------------------------------------
   Contact & form
   -------------------------------------------------------------------------- */
.contact {
  display: grid;
  gap: 40px;
}
.contact__info p { color: var(--muted); }

.location {
  position: relative;
  margin-top: 32px;
  padding: 26px 0 0;
  border-top: 1px solid var(--rule);
}
.contact__info .location__line {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 14px;
  margin: 0;
  color: var(--teal-dark);
  font-family: var(--font-label);
  font-size: .84rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.location__line .icon { width: 22px; height: 22px; }
.location__divider {
  display: none;
  width: 1px;
  height: 22px;
  background: var(--rule);
}
@media (min-width: 480px) {
  .location__divider { display: block; }
}
.location__map {
  width: min(240px, 70%);
  margin: 20px 0 0 auto;
}

.form-card {
  padding: 28px 20px;
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-top: 4px solid var(--teal);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
.form-card h3 { margin-bottom: 6px; }
.form-card__sub { margin-bottom: 22px; color: var(--muted); font-size: .95rem; }

.form-grid {
  display: grid;
  gap: 18px;
}
.field { display: grid; gap: 6px; }
.field--full { grid-column: 1 / -1; }

.field label,
.field legend {
  padding: 0;
  color: var(--navy);
  font-size: .9rem;
  font-weight: 600;
}
.req { color: var(--error); }
.optional { color: var(--muted); font-weight: 400; }

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 48px;
  padding: 11px 14px;
  border: 1.5px solid #9AA1AE;
  border-radius: 10px;
  background: var(--white);
  color: var(--ink);
  font: inherit;
  font-size: 1rem; /* prevents iOS zoom on focus */
  transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 120px; resize: vertical; }
.field select {
  appearance: none;
  padding-right: 42px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E7C86' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-position: right 14px center;
  background-repeat: no-repeat;
  background-size: 18px;
}
.field input:focus-visible,
.field select:focus-visible,
.field textarea:focus-visible {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(14, 124, 134, .3);
}
.field [aria-invalid="true"] { border-color: var(--error); }
.field__hint { color: var(--muted); font-size: .82rem; }
.field__error {
  color: var(--error);
  font-size: .84rem;
  font-weight: 500;
}
.field__error:empty { display: none; }

fieldset.field {
  margin: 0;
  padding: 0;
  border: 0;
  min-width: 0;
}
.choices {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 6px;
}
.field .choice {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 44px;
  padding: 8px 16px;
  border: 1.5px solid #9AA1AE;
  border-radius: 999px;
  color: var(--navy);
  font-weight: 500;
  cursor: pointer;
}
.choice input {
  width: 18px;
  height: 18px;
  margin: 0;
  accent-color: var(--teal);
}
.choice:has(input:checked) {
  border-color: var(--teal);
  background: rgba(14, 124, 134, .07);
}
.choice:has(input:focus-visible) {
  outline: 3px solid var(--teal);
  outline-offset: 2px;
}

.consent {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 12px;
  align-items: start;
  padding: 14px 16px;
  border: 1px solid var(--light-gray);
  border-radius: 10px;
  background: var(--mist);
}
.consent input {
  width: 20px;
  height: 20px;
  margin: 2px 0 0;
  accent-color: var(--teal);
  cursor: pointer;
}
.consent label {
  color: var(--ink);
  font-size: .82rem;
  line-height: 1.55;
  cursor: pointer;
}
.consent a { color: var(--teal-dark); font-weight: 600; }

.form-note {
  margin: 0;
  color: var(--muted);
  font-size: .8rem;
}
.form-note--tip {
  padding: 10px 14px;
  border-radius: 8px;
  background: rgba(14, 124, 134, .08);
  color: var(--ink);
}

.form-status {
  padding: 14px 16px;
  border-radius: 10px;
  font-weight: 500;
}
.form-status:empty { display: none; }
.form-status.is-success {
  border: 1px solid rgba(15, 77, 69, .35);
  background: #E8F4F1;
  color: var(--success);
}
.form-status.is-error {
  border: 1px solid rgba(180, 35, 24, .35);
  background: #FDF0EE;
  color: var(--error);
}
.form-status a { color: inherit; font-weight: 700; }

.btn[aria-busy="true"] { opacity: .7; cursor: progress; }

@media (min-width: 640px) {
  .form-card { padding: 36px 32px; }
  .form-grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1000px) {
  .contact { grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }
}

/* --------------------------------------------------------------------------
   Footer — navy, curved top, teal corner tab
   -------------------------------------------------------------------------- */
.site-footer {
  position: relative;
  margin-top: var(--section-pad);
  background: var(--navy);
  color: rgba(255, 255, 255, .86);
  font-size: .92rem;
  border-top: 3px solid var(--teal);
  border-top-left-radius: clamp(80px, 22vw, 320px) 100px;
}
.site-footer a { color: var(--white); }
.site-footer a:hover { color: var(--teal-on-navy); }

.footer-grid {
  display: grid;
  gap: 36px;
  padding-block: 72px 44px;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 16px;
  color: var(--white);
  text-decoration: none;
}
.footer-brand__badge {
  display: grid;
  place-items: center;
  flex: none;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 0 0 3px var(--teal);
}
.footer-brand__badge img { width: 38px; }
.footer-brand .brand__name { font-size: 1.35rem; }
.footer-brand .brand__tag { color: var(--teal-on-navy); }

.footer-col h2 {
  margin-bottom: 14px;
  color: var(--white);
  font-family: var(--font-label);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .26em;
}
.footer-col ul { margin: 0; padding: 0; list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { text-decoration: none; }
.footer-col a:hover { text-decoration: underline; }
.footer-col address { font-style: normal; line-height: 1.8; }
.footer-license { margin-top: 14px; font-size: .84rem; }

@media (min-width: 720px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1024px) {
  .footer-grid { grid-template-columns: 1.5fr 1fr 1.2fr 1.3fr; gap: 40px; }
}

.footer-disclaimers {
  padding-block: 26px;
  border-top: 1px solid rgba(255, 255, 255, .16);
  color: rgba(255, 255, 255, .78);
  font-size: .8rem;
  line-height: 1.65;
}
.footer-disclaimers p { margin-bottom: .8em; }

.footer-bottom {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-block: 22px 84px;
  border-top: 1px solid rgba(255, 255, 255, .16);
  font-size: .82rem;
}
.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 20px;
  margin: 0;
  padding: 0;
  list-style: none;
}
@media (min-width: 720px) {
  .footer-bottom {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 26px;
    padding-right: 260px;
  }
}

/* Teal corner tab: "Zambito Enterprise LLC" */
.corner-tab {
  position: absolute;
  right: 0;
  bottom: 0;
  margin: 0;
  padding: 14px 22px 14px 40px;
  background: var(--teal);
  border-top-left-radius: 40px 100%;
  color: var(--white);
  font-family: var(--font-label);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .06em;
}

/* --------------------------------------------------------------------------
   Legal pages (privacy.html, terms.html)
   -------------------------------------------------------------------------- */
.legal-hero {
  background: var(--navy);
  padding-bottom: 24px;
}
.legal-hero__panel {
  margin-left: 10px;
  padding-block: 44px 36px;
  background: var(--white);
  border-left: 3px solid var(--teal);
  border-radius: 72px 0 0 56px / 100% 0 0 80%;
}
.legal-hero h1 {
  margin-bottom: 8px;
  font-size: clamp(2rem, 1.4rem + 3vw, 3.2rem);
  text-transform: uppercase;
}
.legal-hero__meta { margin: 0; color: var(--muted); }
@media (min-width: 900px) {
  .legal-hero__panel {
    margin-left: clamp(24px, 4vw, 64px);
    padding-block: 64px 52px;
    border-radius: 220px 0 0 160px / 100% 0 0 70%;
  }
}

.legal {
  max-width: 820px;
  padding-block: 56px 0;
}
.legal h2 {
  margin-top: 2.2em;
  font-size: clamp(1.3rem, 1.1rem + 1vw, 1.7rem);
}
.legal h3 {
  margin-top: 1.6em;
  font-family: var(--font-label);
  font-size: 1rem;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.legal ul { padding-left: 1.3em; }
.legal li { margin-bottom: .45em; }
.legal .callout {
  margin: 1.4em 0;
  padding: 18px 20px;
  border-left: 4px solid var(--teal);
  border-radius: 0 10px 10px 0;
  background: var(--mist);
  color: var(--ink);
  font-weight: 500;
}
.legal .toc {
  padding: 20px 24px;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
}
.legal .toc h2 { margin: 0 0 8px; font-family: var(--font-label); font-size: .8rem; letter-spacing: .26em; }
.legal .toc ol { margin: 0; padding-left: 1.2em; }

/* --------------------------------------------------------------------------
   Motion preferences
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
  }
}