/* ============================================
   ThriveXdna Mock Insurance Quote System
   Styles - Professional, Educational Design
   VERSION: 2026-01-27
   ============================================ */

:root {
    --primary-color: #1ECBE1;
    --primary-dark: #17a8ba;
    --primary-light: #e0f7fb;
    --secondary-color: #7dd8e6;
    --accent-color: #E1341E;
    --danger-color: #E1341E;
    --warning-color: #f59e0b;
    --success-color: #1ECBE1;

    --text-primary: #1f2937;
    --text-secondary: #6b7280;
    --text-muted: #9ca3af;

    --bg-primary: #ffffff;
    --bg-secondary: #f9fafb;
    --bg-tertiary: #f3f4f6;

    --border-color: #e5e7eb;
    --border-radius: 12px;
    --border-radius-sm: 8px;

    --shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 8px 24px rgba(0, 0, 0, 0.12);
    --transition: all 0.3s ease;
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--text-primary);
    background: #ffffff;
    line-height: 1.6;
    padding: 0;
    margin: 0;
}

/* ============================================
   Container & Layout
   ============================================ */

.quote-container {
    max-width: 1200px;
    margin: 0 auto;
    background: white;
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

/* ============================================
   Header
   ============================================ */

.quote-header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 40px 30px;
    text-align: center;
}

.logo {
    margin-bottom: 20px;
}

.logo-text {
    font-size: 1.8rem;
    font-weight: 800;
}

.logo-accent {
    color: #ffffff;
}

.quote-header h1 {
    font-size: 2.2rem;
    font-weight: 800;
    margin-bottom: 10px;
}

.subtitle {
    font-size: 1.1rem;
    opacity: 0.95;
    margin-bottom: 20px;
}

.disclaimer-banner {
    background: rgba(255, 255, 255, 0.15);
    border: 2px solid rgba(255, 255, 255, 0.3);
    border-radius: var(--border-radius);
    padding: 15px 20px;
    margin-top: 20px;
    font-size: 0.95rem;
    line-height: 1.5;
}

.disclaimer-banner strong {
    font-weight: 700;
}

/* ============================================
   Step Navigation
   ============================================ */

.quote-step {
    display: none;
    padding: 40px 30px;
}

.quote-step.active {
    display: block;
}

.step-header {
    text-align: center;
    margin-bottom: 40px;
}

.step-number {
    display: inline-block;
    background: var(--primary-light);
    color: var(--primary-dark);
    padding: 6px 16px;
    border-radius: 20px;
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 15px;
}

.step-header h2 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-primary);
    margin-bottom: 10px;
}

.step-header p {
    font-size: 1.1rem;
    color: var(--text-secondary);
}

/* ============================================
   Form Elements
   ============================================ */

.form-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
    margin-bottom: 30px;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: 8px;
    font-size: 0.95rem;
}

.form-group input,
.form-group select {
    padding: 12px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    font-family: inherit;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(30, 203, 225, 0.1);
}

.field-hint {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 6px;
}

/* ============================================
   Policy Cards
   ============================================ */

.policy-types {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 20px;
    margin-bottom: 40px;
}

.policy-card {
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 25px;
    background: white;
    transition: var(--transition);
    cursor: pointer;
}

.policy-card:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}

.policy-card.selected {
    border-color: var(--primary-color);
    background: var(--primary-light);
}

.policy-header {
    display: flex;
    align-items: flex-start;
    margin-bottom: 15px;
}

.policy-header input[type="checkbox"] {
    width: 20px;
    height: 20px;
    margin-right: 12px;
    margin-top: 4px;
    accent-color: var(--primary-color);
    cursor: pointer;
}

.policy-header label {
    flex: 1;
    cursor: pointer;
}

.policy-header h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 8px;
}

.badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
    background: var(--bg-tertiary);
    color: var(--text-secondary);
    margin-left: 8px;
}

.badge.recommended {
    background: var(--accent-color);
    color: white;
}

.policy-description {
    color: var(--text-secondary);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 15px;
}

.policy-options {
    display: none;
    margin: 15px 0;
    padding: 15px;
    background: rgba(30, 203, 225, 0.05);
    border-radius: var(--border-radius-sm);
}

.policy-options label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 0.9rem;
}

.policy-options select {
    width: 100%;
    padding: 10px;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 0.95rem;
}

.sample-rate {
    margin-top: 15px;
    padding-top: 15px;
    border-top: 1px solid var(--border-color);
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.sample-rate strong {
    color: var(--primary-color);
    font-size: 1.1rem;
}

/* ============================================
   Riders Section
   ============================================ */

.riders-section {
    margin: 40px 0;
    padding: 30px;
    background: var(--bg-secondary);
    border-radius: var(--border-radius);
}

.riders-section h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-primary);
}

.section-description {
    color: var(--text-secondary);
    margin-bottom: 25px;
}

.riders-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 15px;
}

.rider-option {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    cursor: pointer;
    transition: var(--transition);
}

.rider-option.rider-free {
    background: #f0f9ff;
    border-color: var(--primary-color);
    opacity: 0.9;
}

.rider-cost-input {
    display: flex;
    align-items: center;
    gap: 5px;
    margin-top: 8px;
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.rider-cost-input input[type="number"] {
    width: 60px;
    padding: 4px 8px;
    border: 1px solid var(--border-color);
    border-radius: 4px;
    font-size: 0.9rem;
    text-align: center;
}

.rider-cost-input input[type="number"]:focus {
    outline: none;
    border-color: var(--primary-color);
}

.included-badge {
    display: inline-block;
    background: var(--primary-color);
    color: white;
    padding: 4px 12px;
    border-radius: 12px;
    font-size: 0.85rem;
    font-weight: 600;
}

.annuity-disclaimer {
    margin-top: 12px;
    padding: 10px 12px;
    background: #fff7ed;
    border-left: 3px solid #f59e0b;
    border-radius: 4px;
    font-size: 0.85rem;
    color: #92400e;
    line-height: 1.5;
}

/* ============================================
   Funding Section
   ============================================ */

.funding-section {
    margin: 40px 0;
    padding: 30px;
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    border-radius: var(--border-radius);
    border: 2px solid var(--primary-color);
}

.funding-section h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-primary);
}

.funding-options {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin: 25px 0;
}

.funding-option {
    cursor: pointer;
}

.funding-option input[type="radio"] {
    display: none;
}

.funding-card {
    padding: 20px;
    background: white;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    transition: var(--transition);
}

.funding-option input[type="radio"]:checked + .funding-card {
    border-color: var(--primary-color);
    background: var(--primary-light);
    box-shadow: var(--shadow);
}

.funding-card h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 8px;
}

.funding-card p {
    font-size: 0.9rem;
    color: var(--text-secondary);
    margin-bottom: 15px;
}

.funding-input-group {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px;
    background: white;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
}

.funding-input-group.small {
    padding: 8px;
    margin-top: 8px;
}

.funding-input-group .currency-symbol {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--primary-color);
}

.funding-input-group input[type="number"] {
    flex: 1;
    border: none;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-primary);
    padding: 4px 8px;
}

.funding-input-group input[type="number"]:focus {
    outline: none;
}

.funding-input-group .period {
    font-size: 0.9rem;
    color: var(--text-secondary);
    font-weight: 600;
}

.additional-funding {
    margin-top: 15px;
    padding-top: 15px;
    border-top: 1px solid var(--border-color);
}

.small-checkbox {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 8px;
    cursor: pointer;
}

.small-checkbox input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--primary-color);
}

.small-checkbox span {
    font-size: 0.9rem;
    color: var(--text-secondary);
    font-weight: 500;
}

.funding-note {
    background: white;
    padding: 15px 20px;
    border-radius: var(--border-radius-sm);
    border-left: 4px solid var(--primary-color);
    font-size: 0.95rem;
    line-height: 1.6;
    color: var(--text-secondary);
}

.funding-note strong {
    color: var(--text-primary);
}

.funding-hint {
    font-size: 0.85rem;
    color: var(--text-secondary);
    font-style: italic;
    margin-top: 8px;
    margin-bottom: 0;
}

.rider-option:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow);
}

.rider-option input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-right: 12px;
    margin-top: 2px;
    accent-color: var(--primary-color);
}

.rider-info {
    display: flex;
    flex-direction: column;
    flex: 1;
}

.rider-info strong {
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: 4px;
}

.rider-info span {
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.rider-cost {
    color: var(--primary-color) !important;
    font-weight: 600 !important;
    margin-top: 4px;
}

/* ============================================
   Step Actions
   ============================================ */

.step-actions {
    display: flex;
    justify-content: center;
    gap: 15px;
    margin-top: 40px;
    padding-top: 30px;
    border-top: 2px solid var(--border-color);
}

.btn {
    padding: 14px 32px;
    border: none;
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
}

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

.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

.btn-secondary {
    background: white;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.btn-secondary:hover {
    background: var(--primary-light);
}

.btn-large {
    padding: 16px 40px;
    font-size: 1.1rem;
}

/* ============================================
   Email Gate
   ============================================ */

.email-gate {
    max-width: 600px;
    margin: 0 auto;
    padding: 40px;
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    border-radius: var(--border-radius);
    border: 2px solid var(--primary-color);
}

.email-gate-content {
    text-align: center;
}

.lock-icon {
    font-size: 3rem;
    margin-bottom: 20px;
}

.email-gate-content h3 {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 15px;
}

.email-gate-content p {
    color: var(--text-secondary);
    margin-bottom: 30px;
    line-height: 1.6;
}

.email-form {
    text-align: left;
}

.consent-checkbox {
    margin: 20px 0;
}

.consent-checkbox label {
    display: flex;
    align-items: flex-start;
    cursor: pointer;
}

.consent-checkbox input {
    width: 18px;
    height: 18px;
    margin-right: 12px;
    margin-top: 2px;
    accent-color: var(--primary-color);
}

.consent-checkbox span {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.5;
}

.privacy-note {
    text-align: center;
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 20px;
}

.privacy-note a {
    color: var(--primary-color);
    text-decoration: none;
}

/* ============================================
   Quote Results
   ============================================ */

.quote-results {
    padding: 40px 30px;
}

.quote-results.hidden {
    display: none;
}

.results-header {
    text-align: center;
    margin-bottom: 30px;
}

.results-header h2 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-primary);
    margin-bottom: 15px;
}

.results-header p {
    color: var(--text-secondary);
    font-size: 1rem;
}

.results-disclaimer {
    background: #fffbeb;
    border: 2px solid var(--accent-color);
    border-radius: var(--border-radius);
    padding: 20px 25px;
    margin-bottom: 40px;
    color: #92400e;
    line-height: 1.6;
}

.results-disclaimer strong {
    color: #78350f;
}

/* ============================================
   Quote Cards
   ============================================ */

.quote-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
    margin-bottom: 50px;
}

.quote-card {
    background: white;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius);
    padding: 30px;
    transition: var(--transition);
}

.quote-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.quote-card.featured {
    border-color: var(--primary-color);
    background: linear-gradient(135deg, #f0f9ff 0%, #ffffff 100%);
}

.quote-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    padding-bottom: 15px;
    border-bottom: 2px solid var(--border-color);
}

.quote-card-header h3 {
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--text-primary);
}

.badge.best-value {
    background: var(--primary-color);
    color: white;
}

.quote-price {
    text-align: center;
    margin: 25px 0;
}

.price-main {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    margin-bottom: 8px;
}

.currency {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-top: 8px;
    margin-right: 4px;
}

.amount {
    font-size: 3rem;
    font-weight: 800;
    color: var(--primary-color);
    line-height: 1;
}

.period {
    font-size: 1.2rem;
    color: var(--text-secondary);
    margin-top: 12px;
    margin-left: 4px;
}

.price-annual {
    font-size: 0.95rem;
    color: var(--text-secondary);
}

.quote-coverage {
    text-align: center;
    padding: 15px;
    background: var(--bg-secondary);
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
    font-size: 0.95rem;
    color: var(--text-secondary);
}

.quote-coverage strong {
    font-size: 1.3rem;
    color: var(--text-primary);
    display: block;
    margin-bottom: 4px;
}

.quote-riders {
    background: var(--primary-light);
    padding: 15px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
}

.quote-riders strong {
    display: block;
    margin-bottom: 10px;
    color: var(--text-primary);
}

.quote-riders ul {
    list-style: none;
    padding: 0;
}

.quote-riders li {
    padding: 4px 0;
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.rider-cost-note {
    display: block;
    margin-top: 10px;
    font-size: 0.85rem;
    color: var(--primary-dark);
    font-weight: 600;
}

.quote-features {
    margin-bottom: 20px;
}

.quote-features strong {
    display: block;
    margin-bottom: 10px;
    color: var(--text-primary);
}

.quote-features ul {
    list-style: none;
    padding: 0;
}

.quote-features li {
    padding: 6px 0;
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.cash-value-preview {
    background: var(--bg-secondary);
    padding: 15px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
}

.cash-value-preview strong {
    display: block;
    margin-bottom: 12px;
    color: var(--text-primary);
}

.cv-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 10px;
}

.cv-item {
    display: flex;
    justify-content: space-between;
    padding: 8px 12px;
    background: white;
    border-radius: var(--border-radius-sm);
}

.cv-item span {
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.cv-item strong {
    color: var(--primary-color);
    font-weight: 700;
}

.cv-note {
    display: block;
    font-size: 0.75rem;
    color: var(--text-muted);
    font-style: italic;
}

.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
}

.pros strong,
.cons strong {
    display: block;
    margin-bottom: 8px;
    font-size: 0.9rem;
}

.pros ul,
.cons ul {
    list-style: none;
    padding: 0;
}

.pros li,
.cons li {
    font-size: 0.85rem;
    padding: 4px 0;
    color: var(--text-secondary);
}

/* Risk Profile Section - Best For / Avoid If */
.risk-profile {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
}

.best-for,
.avoid-if {
    padding: 12px;
    border-radius: 8px;
}

.best-for {
    background: rgba(30, 203, 225, 0.08);
    border: 1px solid rgba(30, 203, 225, 0.2);
}

.avoid-if {
    background: rgba(245, 158, 11, 0.08);
    border: 1px solid rgba(245, 158, 11, 0.2);
}

.best-for h4,
.avoid-if h4 {
    font-size: 0.9rem;
    margin-bottom: 10px;
    font-weight: 600;
}

.best-for h4 {
    color: #17a2b8;
}

.avoid-if h4 {
    color: #d97706;
}

.best-for ul,
.avoid-if ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.best-for li,
.avoid-if li {
    font-size: 0.82rem;
    padding: 4px 0;
    color: var(--text-secondary);
}

.best-for li {
    color: #0e7490;
}

.avoid-if li {
    color: #b45309;
}

.quote-disclaimer-mini {
    margin-top: 15px;
    padding-top: 15px;
    border-top: 1px solid var(--border-color);
    font-size: 0.8rem;
    color: var(--text-muted);
    font-style: italic;
    text-align: center;
}

/* ============================================
   Comparison Table
   ============================================ */

.comparison-section {
    margin: 50px 0;
}

.comparison-section h3 {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 25px;
    text-align: center;
}

.table-scroll {
    overflow-x: auto;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: white;
}

.comparison-table thead {
    background: var(--primary-color);
    color: white;
}

.comparison-table th,
.comparison-table td {
    padding: 15px 20px;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.comparison-table th {
    font-weight: 600;
    font-size: 0.95rem;
}

.comparison-table td {
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.comparison-table td.highlight {
    font-weight: 700;
    color: var(--primary-color);
    font-size: 1rem;
}

.comparison-table tbody tr:hover {
    background: var(--bg-secondary);
}

/* ============================================
   Next Steps & CTA
   ============================================ */

.next-steps {
    text-align: center;
    padding: 50px 30px;
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    border-radius: var(--border-radius);
    margin: 50px 0;
}

.next-steps h3 {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 15px;
}

.next-steps p {
    font-size: 1.1rem;
    color: var(--text-secondary);
    margin-bottom: 30px;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 15px;
    flex-wrap: wrap;
}

/* ============================================
   Educational Section
   ============================================ */

.educational-section {
    margin: 50px 0;
}

.educational-section h3 {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 30px;
    text-align: center;
}

.education-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 25px;
}

.edu-card {
    background: white;
    padding: 25px;
    border-radius: var(--border-radius);
    border: 2px solid var(--border-color);
    transition: var(--transition);
}

.edu-card:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow);
}

.edu-card h4 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 15px;
    color: var(--text-primary);
}

.edu-card ul {
    list-style: none;
    padding: 0;
}

.edu-card li {
    padding: 8px 0;
    color: var(--text-secondary);
    line-height: 1.6;
    font-size: 0.95rem;
}

/* ============================================
   Footer
   ============================================ */

.quote-footer {
    background: #1f2937;
    color: #d1d5db;
    padding: 40px 30px;
    margin-top: 60px;
}

.legal-disclaimer {
    max-width: 900px;
    margin: 0 auto 30px;
    line-height: 1.8;
}

.legal-disclaimer h4 {
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: white;
    text-align: center;
}

.legal-disclaimer p {
    margin-bottom: 15px;
    font-size: 0.9rem;
}

.legal-disclaimer strong {
    color: var(--accent-color);
    font-weight: 700;
}

.copyright {
    text-align: center;
    margin-top: 30px;
    padding-top: 20px;
    border-top: 1px solid #374151;
    color: #9ca3af;
    font-size: 0.85rem;
}

.footer-links {
    text-align: center;
    font-size: 0.9rem;
}

.footer-links a {
    color: var(--primary-color);
    text-decoration: none;
    padding: 5px 10px;
}

.footer-links a:hover {
    text-decoration: underline;
}

.footer-links span {
    color: #6b7280;
    margin: 0 8px;
}

/* ============================================
   Responsive Design
   ============================================ */

@media (max-width: 768px) {
    body {
        padding: 10px;
    }

    .quote-header {
        padding: 30px 20px;
    }

    .quote-header h1 {
        font-size: 1.6rem;
    }

    .subtitle {
        font-size: 0.95rem;
    }

    .quote-step {
        padding: 30px 20px;
    }

    .step-header h2 {
        font-size: 1.5rem;
    }

    .form-grid {
        grid-template-columns: 1fr;
    }

    .policy-types {
        grid-template-columns: 1fr;
    }

    .riders-grid {
        grid-template-columns: 1fr;
    }

    .quote-cards {
        grid-template-columns: 1fr;
    }

    .pros-cons {
        grid-template-columns: 1fr;
    }

    .education-grid {
        grid-template-columns: 1fr;
    }

    .cta-buttons {
        flex-direction: column;
    }

    .btn {
        width: 100%;
    }

    .amount {
        font-size: 2.2rem;
    }
}

@media (max-width: 480px) {
    .quote-header h1 {
        font-size: 1.3rem;
    }

    .step-header h2 {
        font-size: 1.3rem;
    }

    .email-gate {
        padding: 25px 20px;
    }

    .comparison-table th,
    .comparison-table td {
        padding: 10px 12px;
        font-size: 0.85rem;
    }
}

/* ============================================
   Privacy & Consent Styling
   ============================================ */

.privacy-consent {
    background: #f8f9fa;
    border-left: 4px solid var(--primary-color);
    padding: 20px;
    margin: 20px 0;
    border-radius: 4px;
}

.consent-notice {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 15px;
    color: #333;
}

.data-usage {
    font-size: 0.9rem;
    line-height: 1.5;
    margin-bottom: 15px;
    padding: 15px;
    background: #fff;
    border-radius: 4px;
}

.data-usage strong {
    color: var(--primary-color);
}

.privacy-link {
    font-size: 0.9rem;
    margin-bottom: 0;
}

.consent-section {
    margin: 25px 0;
}

.consent-checkbox label {
    display: flex;
    align-items: flex-start;
    cursor: pointer;
    font-size: 0.9rem;
    line-height: 1.5;
}

.consent-checkbox input[type="checkbox"] {
    margin-right: 10px;
    margin-top: 3px;
    flex-shrink: 0;
    width: 18px;
    height: 18px;
}

.consent-checkbox a {
    color: var(--primary-color);
    text-decoration: underline;
}

.tcpa-disclosure {
    margin-top: 15px;
    padding: 15px;
    background: #fff3cd;
    border: 1px solid #ffc107;
    border-radius: 4px;
}

.tcpa-disclosure small {
    font-size: 0.8rem;
    line-height: 1.4;
    display: block;
    color: #856404;
}

/* Opt-Out Checkbox */
.opt-out-checkbox {
    margin-top: 15px;
    padding: 12px 15px;
    background: #f8f9fa;
    border: 1px solid #dee2e6;
    border-radius: 4px;
}

.opt-out-checkbox label {
    display: flex;
    align-items: center;
    cursor: pointer;
    font-size: 0.85rem;
    color: #6c757d;
    margin: 0;
}

.opt-out-checkbox input[type="checkbox"] {
    margin-right: 10px;
    width: 16px;
    height: 16px;
}

.opt-out-checkbox span {
    line-height: 1.4;
}

.lead-disclosure {
    margin: 30px 0;
    padding: 24px;
    background: linear-gradient(135deg, #1ECBE1 0%, #17a2b8 100%);
    border-radius: 12px;
    box-shadow: 0 4px 12px rgba(30, 203, 225, 0.3);
}

.lead-disclosure p {
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.7;
    color: #ffffff;
}

.lead-disclosure p strong {
    color: #ffffff;
    font-weight: 700;
}

/* ============================================
   Expandable Details Section
   ============================================ */

.expandable-section {
    margin-top: 25px;
    border-top: 2px solid #eee;
    padding-top: 20px;
}

.expand-btn {
    width: 100%;
    padding: 15px;
    background: linear-gradient(135deg, #1ECBE1 0%, #17a2b8 100%);
    color: white;
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: all 0.3s ease;
}

.expand-btn:hover {
    background: linear-gradient(135deg, #17a2b8 0%, #1ECBE1 100%);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(30, 203, 225, 0.3);
}

.expand-icon {
    font-size: 0.9rem;
    transition: transform 0.3s ease;
}

.details-content {
    max-height: 600px;
    overflow-y: auto;
    overflow-x: hidden;
    transition: max-height 0.5s ease, padding 0.3s ease, overflow 0.3s ease;
    padding: 20px 0;
}

.details-content.hidden {
    max-height: 0;
    padding: 0;
    overflow: hidden;
}

/* Detailed sections within expandable content */
.details-content h4 {
    color: var(--primary-color);
    margin: 25px 0 15px 0;
    font-size: 1.1rem;
    border-bottom: 2px solid #eee;
    padding-bottom: 8px;
}

.details-content h4:first-child {
    margin-top: 0;
}

.all-features {
    margin-bottom: 25px;
}

.details-content .pros-cons {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-bottom: 25px;
}

.details-content .pros,
.details-content .cons {
    padding: 20px;
    border-radius: 8px;
    background: #f8f9fa;
}

.details-content .pros h4 {
    color: #28a745;
    border-bottom-color: #28a745;
}

.details-content .cons h4 {
    color: #ffc107;
    border-bottom-color: #ffc107;
}

.details-content .pros ul,
.details-content .cons ul {
    margin: 0;
    padding-left: 20px;
}

.details-content .pros li,
.details-content .cons li {
    margin: 10px 0;
    line-height: 1.5;
}

.cash-value-projection {
    margin: 25px 0;
    overflow-x: auto;
}

.cash-value-table {
    width: 100%;
    border-collapse: collapse;
    background: white;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}

.cash-value-table thead {
    background: var(--primary-color);
    color: white;
}

.cash-value-table th,
.cash-value-table td {
    padding: 12px 15px;
    text-align: left;
    border-bottom: 1px solid #eee;
}

.cash-value-table tbody tr:hover {
    background: #f8f9fa;
}

.cash-value-table tbody tr:last-child td {
    border-bottom: none;
}

.policy-specifics {
    margin: 25px 0;
}

.config-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.config-list li {
    padding: 10px 15px;
    background: #f8f9fa;
    margin: 8px 0;
    border-radius: 6px;
    border-left: 4px solid var(--primary-color);
}

.config-list strong {
    color: var(--primary-color);
    text-transform: capitalize;
}

.ideal-for,
.important-notes {
    margin: 25px 0;
    padding: 20px;
    border-radius: 8px;
}

.ideal-for {
    background: #e8f4f8;
    border-left: 4px solid var(--primary-color);
}

.important-notes {
    background: #fff3cd;
    border-left: 4px solid #ffc107;
}

.ideal-for p,
.important-notes p {
    margin: 0;
    line-height: 1.6;
}

.policy-type-label {
    font-size: 0.75rem;
    padding: 4px 8px;
    background: var(--primary-color);
    color: white;
    border-radius: 4px;
    text-transform: uppercase;
    font-weight: 600;
}

.rider-cost {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.cv-note {
    font-size: 0.85rem;
    color: var(--text-muted);
    font-style: italic;
    display: block;
    margin-top: 10px;
}

/* Responsive adjustments for expandable details */
@media (max-width: 768px) {
    .details-content .pros-cons {
        grid-template-columns: 1fr;
    }

    .cash-value-table {
        font-size: 0.9rem;
    }

    .cash-value-table th,
    .cash-value-table td {
        padding: 10px 8px;
    }

    .expand-btn {
        font-size: 0.95rem;
        padding: 12px;
    }
}

/* ===========================================
   RATE INPUT CONTROLS
   =========================================== */
.rate-inputs-section {
    margin-top: 16px;
    padding: 16px;
    background: #f8fafc;
    border-radius: 8px;
    border: 1px solid #e2e8f0;
}

.rate-inputs-section h4 {
    margin: 0 0 12px 0;
    font-size: 12px;
    color: #64748b;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 600;
}

.rate-input-group {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 10px;
}

.rate-input-group:last-child {
    margin-bottom: 0;
}

.rate-input-group label {
    flex: 1;
    font-size: 13px;
    color: #475569;
    font-weight: 500;
}

.rate-input-group input {
    width: 70px;
    padding: 6px 8px;
    border: 1px solid #cbd5e1;
    border-radius: 4px;
    text-align: right;
    font-size: 13px;
    font-weight: 600;
    color: #1e293b;
    background: white;
}

.rate-input-group input:focus {
    outline: none;
    border-color: #1ECBE1;
    box-shadow: 0 0 0 3px rgba(30, 203, 225, 0.15);
}

.rate-suffix {
    color: #64748b;
    font-size: 13px;
    font-weight: 500;
    min-width: 16px;
}

/* ===========================================
   ILLUSTRATION TABLES (Results Section)
   =========================================== */
.illustration-section {
    margin-top: 24px;
    padding: 20px;
    background: #fff;
    border-radius: 8px;
    border: 1px solid #e2e8f0;
}

.illustration-section h4 {
    margin: 0 0 16px 0;
    font-size: 16px;
    font-weight: 700;
    color: #1e293b;
}

.illustration-assumptions {
    background: #f1f5f9;
    padding: 12px 16px;
    border-radius: 6px;
    margin-bottom: 16px;
}

.illustration-assumptions p {
    margin: 0 0 8px 0;
    font-size: 13px;
    font-weight: 600;
    color: #475569;
}

.illustration-assumptions ul {
    margin: 0;
    padding-left: 20px;
    font-size: 13px;
    color: #64748b;
}

.illustration-assumptions li {
    margin-bottom: 4px;
}

.illustration-tabs {
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}

.illustration-tabs .tab-btn {
    padding: 8px 16px;
    border: 1px solid #cbd5e1;
    background: #fff;
    border-radius: 6px;
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    color: #475569;
    transition: all 0.2s ease;
}

.illustration-tabs .tab-btn:hover {
    border-color: #1ECBE1;
    color: #1ECBE1;
}

.illustration-tabs .tab-btn.active {
    background: linear-gradient(135deg, #1ECBE1 0%, #17a2b8 100%);
    color: white;
    border-color: transparent;
}

.illustration-table-container {
    overflow-x: auto;
    margin-bottom: 16px;
    border: 1px solid #e2e8f0;
    border-radius: 8px;
}

.illustration-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 12px;
    min-width: 700px;
}

.illustration-table th,
.illustration-table td {
    padding: 10px 12px;
    text-align: right;
    border-bottom: 1px solid #e2e8f0;
}

.illustration-table th {
    background: #f1f5f9;
    font-weight: 600;
    color: #475569;
    text-transform: uppercase;
    font-size: 11px;
    letter-spacing: 0.03em;
    position: sticky;
    top: 0;
}

.illustration-table th:first-child,
.illustration-table td:first-child {
    text-align: center;
    font-weight: 600;
}

.illustration-table tbody tr:hover {
    background: #f8fafc;
}

.illustration-table tbody tr:nth-child(5n) {
    background: #f1f5f9;
}

.illustration-table tbody tr:nth-child(5n):hover {
    background: #e2e8f0;
}

.illustration-table .highlight-row {
    background: rgba(30, 203, 225, 0.1) !important;
    font-weight: 600;
}

.illustration-summary {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: 12px;
    margin-top: 20px;
}

.summary-card {
    padding: 16px;
    background: linear-gradient(135deg, #1ECBE1 0%, #17a2b8 100%);
    border-radius: 8px;
    color: white;
    text-align: center;
}

.summary-card .label {
    display: block;
    font-size: 11px;
    opacity: 0.9;
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.summary-card .value {
    display: block;
    font-size: 20px;
    font-weight: 700;
}

/* ===========================================
   IUL EDUCATIONAL CONTENT
   =========================================== */
.iul-how-it-works {
    margin-top: 20px;
    padding: 20px;
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    border-radius: 8px;
    border: 1px solid #f59e0b;
}

.iul-how-it-works h4 {
    margin: 0 0 16px 0;
    font-size: 16px;
    font-weight: 700;
    color: #92400e;
    display: flex;
    align-items: center;
    gap: 8px;
}

.iul-section {
    margin-bottom: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(245, 158, 11, 0.3);
}

.iul-section:last-child {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

.iul-section h5 {
    margin: 0 0 8px 0;
    font-size: 14px;
    font-weight: 600;
    color: #78350f;
}

.iul-section p {
    margin: 0;
    font-size: 13px;
    color: #92400e;
    line-height: 1.5;
}

.iul-section ul {
    margin: 8px 0 0 0;
    padding-left: 20px;
    font-size: 13px;
    color: #92400e;
}

.iul-section li {
    margin-bottom: 6px;
}

.iul-math-example {
    background: white;
    border-radius: 6px;
    padding: 16px;
    margin-top: 12px;
    border: 1px solid rgba(245, 158, 11, 0.3);
}

.iul-math-example h6 {
    margin: 0 0 12px 0;
    font-size: 13px;
    font-weight: 600;
    color: #78350f;
}

.math-scenario {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.math-up, .math-down {
    padding: 12px;
    border-radius: 6px;
}

.math-up {
    background: #dcfce7;
    border: 1px solid #22c55e;
}

.math-down {
    background: #fee2e2;
    border: 1px solid #E1341E;
}

.math-up h6, .math-down h6 {
    margin: 0 0 8px 0;
    font-size: 12px;
    font-weight: 600;
}

.math-up h6 { color: #0e7490; }
.math-down h6 { color: #9b1a10; }

.math-step {
    font-size: 12px;
    margin-bottom: 4px;
    font-family: monospace;
}

.math-up .math-step { color: #0e7490; }
.math-down .math-step { color: #9b1a10; }

.math-result {
    font-weight: 700;
    font-size: 13px;
    margin-top: 8px;
    padding-top: 8px;
    border-top: 1px dashed currentColor;
}

/* ===========================================
   RESPONSIVE ADJUSTMENTS FOR NEW COMPONENTS
   =========================================== */
@media (max-width: 768px) {
    .rate-inputs-section {
        padding: 12px;
    }

    .rate-input-group {
        flex-wrap: wrap;
    }

    .rate-input-group label {
        flex: none;
        width: 100%;
        margin-bottom: 4px;
    }

    .illustration-tabs {
        flex-direction: column;
    }

    .illustration-tabs .tab-btn {
        width: 100%;
        text-align: center;
    }

    .illustration-summary {
        grid-template-columns: 1fr;
    }

    .math-scenario {
        grid-template-columns: 1fr;
    }
}

/* ===========================================
   POLICY LOAN SIMULATOR
   =========================================== */
.loan-simulator-section {
    margin-top: 30px;
    padding: 24px;
    background: linear-gradient(135deg, #fef3c7 0%, #fef3c7 100%);
    border-radius: 12px;
    border: 1px solid #f59e0b;
}

.loan-simulator-section h4 {
    margin: 0 0 12px 0;
    font-size: 18px;
    font-weight: 700;
    color: #92400e;
}

.simulator-description {
    font-size: 14px;
    color: #92400e;
    margin-bottom: 20px;
}

.loan-scenario-inputs {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px;
    margin-bottom: 20px;
}

.loan-input-group {
    display: flex;
    flex-direction: column;
}

.loan-input-group label {
    font-size: 13px;
    font-weight: 600;
    color: #78350f;
    margin-bottom: 6px;
}

.loan-input-group select,
.loan-input-group input {
    padding: 10px 12px;
    border: 1px solid #d97706;
    border-radius: 6px;
    font-size: 14px;
    background: white;
}

.input-with-suffix {
    display: flex;
    align-items: center;
    background: white;
    border: 1px solid #d97706;
    border-radius: 6px;
    padding: 2px;
}

.input-with-suffix input {
    border: none;
    flex: 1;
    padding: 8px;
}

.input-with-suffix .currency-symbol {
    padding-left: 12px;
    color: #d97706;
    font-weight: 600;
}

.input-with-suffix .period {
    padding-right: 12px;
    font-size: 13px;
    color: #92400e;
}

.loan-results {
    margin-top: 24px;
}

.loan-results h5 {
    font-size: 16px;
    font-weight: 700;
    color: #78350f;
    margin-bottom: 16px;
}

.loan-comparison-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 24px;
}

.comparison-column {
    padding: 16px;
    border-radius: 8px;
}

.comparison-column.no-loan {
    background: #e0f2fe;
    border: 1px solid #0ea5e9;
}

.comparison-column.with-loan {
    background: #fee2e2;
    border: 1px solid #E1341E;
}

.comparison-column h6 {
    font-size: 14px;
    font-weight: 700;
    margin: 0 0 12px 0;
}

.comparison-column.no-loan h6 {
    color: #075985;
}

.comparison-column.with-loan h6 {
    color: #9b1a10;
}

.metric {
    display: flex;
    justify-content: space-between;
    margin-bottom: 8px;
    font-size: 13px;
}

.metric .label {
    color: var(--text-secondary);
}

.metric .value {
    font-weight: 700;
    color: var(--text-primary);
}

.loan-projection-table-container {
    overflow-x: auto;
    margin-bottom: 20px;
    border: 1px solid #d97706;
    border-radius: 8px;
    background: white;
}

.loan-projection-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 12px;
    min-width: 800px;
}

.loan-projection-table th,
.loan-projection-table td {
    padding: 10px 12px;
    text-align: right;
    border-bottom: 1px solid #fef3c7;
}

.loan-projection-table th {
    background: #fef3c7;
    font-weight: 600;
    color: #78350f;
    text-transform: uppercase;
    font-size: 11px;
    position: sticky;
    top: 0;
}

.loan-projection-table th:first-child,
.loan-projection-table td:first-child {
    text-align: center;
}

.loan-projection-table tbody tr:hover {
    background: #fffbeb;
}

.loan-projection-table tr.lapse-warning {
    background: #fee2e2 !important;
    font-weight: 600;
}

.loan-projection-table tr.lapse-warning td {
    color: #9b1a10;
}

.loan-warnings {
    margin-top: 16px;
}

.warning-box {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: #fee2e2;
    border: 1px solid #E1341E;
    border-radius: 8px;
}

.warning-icon {
    font-size: 24px;
    flex-shrink: 0;
}

.warning-content {
    flex: 1;
}

.warning-content strong {
    display: block;
    color: #9b1a10;
    font-size: 14px;
    margin-bottom: 6px;
}

.warning-content p {
    margin: 0;
    color: #7f1d1d;
    font-size: 13px;
    line-height: 1.5;
}

.success-box {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px;
    background: #dcfce7;
    border: 1px solid #1ECBE1;
    border-radius: 8px;
    color: #0e7490;
    font-size: 14px;
}

.success-icon {
    font-size: 24px;
    font-weight: 700;
}

@media (max-width: 768px) {
    .loan-scenario-inputs {
        grid-template-columns: 1fr;
    }

    .loan-comparison-grid {
        grid-template-columns: 1fr;
    }

    .loan-projection-table {
        font-size: 11px;
    }

    .loan-projection-table th,
    .loan-projection-table td {
        padding: 8px 6px;
    }
}

/* ============================================
   PDF Progress Modal Styles
   ============================================ */
#pdf-progress-modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 10000;
}

.modal-overlay {
    background: rgba(0, 0, 0, 0.7);
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(3px);
}

.modal-content {
    background: white;
    padding: 40px;
    border-radius: 12px;
    text-align: center;
    min-width: 320px;
    max-width: 90%;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.modal-content h3 {
    margin: 0 0 10px 0;
    font-size: 1.4rem;
    color: #1f2937;
}

.modal-content p {
    margin: 0 0 20px 0;
    color: #6b7280;
    font-size: 0.95rem;
}

.spinner {
    border: 4px solid #f3f3f3;
    border-top: 4px solid #1ECBE1;
    border-radius: 50%;
    width: 50px;
    height: 50px;
    animation: spin 1s linear infinite;
    margin: 0 auto 20px;
}

@keyframes spin {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

.progress-bar {
    width: 100%;
    height: 24px;
    background: #f3f3f3;
    border-radius: 12px;
    overflow: hidden;
    margin-top: 15px;
    box-shadow: inset 0 2px 4px rgba(0, 0, 0, 0.1);
}

#progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #1ECBE1, #17a2b8);
    transition: width 0.3s ease;
    box-shadow: 0 2px 8px rgba(30, 203, 225, 0.4);
}