/* ============================================================
   Utah Reverse Mortgage Guide — Master Stylesheet
   Colors: Forest Green #2c6e49 | Gold #c5922e | Warm White #fdfbf7
           Light Sage #f0f4ee | Charcoal #2d3436 | Dark Brown #3d3227
           Warm Gray #7a7068
   Fonts:  Merriweather (headings) | Lato (body)
   ============================================================ */

/* ----------------------------------------------------------
   1. Reset + Base
   ---------------------------------------------------------- */
*,
*::before,
*::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Lato', Arial, Helvetica, sans-serif;
  font-size: 17px;
  line-height: 1.8;
  color: #3d3227;
  background-color: #fdfbf7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: #2c6e49;
  text-decoration: none;
  transition: color 0.25s ease;
}

a:hover {
  color: #c5922e;
}

ul, ol {
  list-style: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  line-height: 1.3;
  color: #2d3436;
}

h1 { font-size: 2.6rem; margin-bottom: 0.5em; }
h2 { font-size: 2rem;   margin-bottom: 0.45em; }
h3 { font-size: 1.5rem; margin-bottom: 0.4em; }
h4 { font-size: 1.25rem; margin-bottom: 0.35em; }

p {
  margin-bottom: 1.2em;
}

/* ----------------------------------------------------------
   2. Container
   ---------------------------------------------------------- */
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ----------------------------------------------------------
   3. Header
   ---------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #2d3436;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.18);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.site-logo a {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #ffffff;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.2rem;
  font-weight: 700;
}

.site-logo img {
  height: 42px;
  width: auto;
}

/* Desktop nav */
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 8px;
}

.main-nav a {
  color: #ffffff;
  padding: 8px 14px;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 6px;
  transition: background-color 0.25s ease, color 0.25s ease;
}

.main-nav a:hover,
.main-nav a.active {
  background-color: rgba(255, 255, 255, 0.1);
  color: #c5922e;
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  padding: 4px;
  z-index: 1100;
}

.nav-toggle span {
  display: block;
  width: 100%;
  height: 3px;
  background-color: #ffffff;
  border-radius: 3px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.nav-toggle.open span:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.open span:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* Nav overlay (mobile) */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background-color: rgba(0, 0, 0, 0.6);
  z-index: 1050;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.nav-overlay.visible {
  display: block;
  opacity: 1;
}

/* ----------------------------------------------------------
   4. Hero
   ---------------------------------------------------------- */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: #ffffff;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(44, 110, 73, 0.88) 0%, rgba(45, 52, 54, 0.82) 100%);
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 720px;
  padding: 80px 24px;
}

.hero h1 {
  color: #ffffff;
  font-size: 2.8rem;
  margin-bottom: 0.4em;
}

.hero p {
  font-size: 1.15rem;
  opacity: 0.93;
  margin-bottom: 1.6em;
}

.hero .btn {
  font-size: 1.1rem;
}

/* Hero zip form */
.hero-zip-form {
  display: flex;
  gap: 12px;
  justify-content: center;
  align-items: center;
  margin-top: 1.6em;
  flex-wrap: wrap;
}

.hero-zip-form input[type="text"] {
  width: 180px;
  padding: 14px 18px;
  font-size: 1.1rem;
  border: 2px solid rgba(255, 255, 255, 0.5);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.15);
  color: #ffffff;
  text-align: center;
  letter-spacing: 2px;
}

.hero-zip-form input[type="text"]::placeholder {
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 1px;
}

.hero-zip-form input[type="text"]:focus {
  outline: none;
  border-color: #c5922e;
  background: rgba(255, 255, 255, 0.22);
}

.hero-zip-form.shake input[type="text"] {
  animation: shake 0.45s ease;
  border-color: #e74c3c;
}

@keyframes shake {
  0%, 100% { transform: translateX(0); }
  15%      { transform: translateX(-8px); }
  30%      { transform: translateX(8px); }
  45%      { transform: translateX(-6px); }
  60%      { transform: translateX(6px); }
  75%      { transform: translateX(-3px); }
  90%      { transform: translateX(3px); }
}

/* ----------------------------------------------------------
   5. Stats Bar
   ---------------------------------------------------------- */
.stats-bar {
  background-color: #2d3436;
  padding: 40px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}

.stat-item .stat-number {
  display: block;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: #c5922e;
  line-height: 1.2;
}

.stat-item .stat-label {
  display: block;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
  margin-top: 4px;
}

/* ----------------------------------------------------------
   6. Sections
   ---------------------------------------------------------- */
.section {
  padding: 80px 0;
}

.section-alt {
  background-color: #f0f4ee;
}

/* ----------------------------------------------------------
   7. Section Header
   ---------------------------------------------------------- */
.section-header {
  text-align: center;
  max-width: 660px;
  margin: 0 auto 48px;
}

.section-header p {
  color: #7a7068;
  font-size: 1.05rem;
}

.section-label {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: #c5922e;
  margin-bottom: 10px;
}

/* ----------------------------------------------------------
   8. Steps Grid
   ---------------------------------------------------------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
}

.step-card {
  text-align: center;
  padding: 36px 28px;
}

.step-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  margin: 0 auto 20px;
  background-color: #2c6e49;
  color: #ffffff;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.5rem;
  font-weight: 700;
  border-radius: 50%;
}

.step-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.5em;
}

.step-card p {
  color: #7a7068;
  font-size: 0.95rem;
}

/* ----------------------------------------------------------
   9. Feature / Benefit Cards
   ---------------------------------------------------------- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.feature-card {
  background-color: #ffffff;
  border-radius: 12px;
  padding: 36px 28px;
  text-align: center;
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
}

.feature-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  margin: 0 auto 20px;
  background-color: #2c6e49;
  color: #ffffff;
  font-size: 1.6rem;
  border-radius: 50%;
}

.feature-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.4em;
}

.feature-card p {
  color: #7a7068;
  font-size: 0.95rem;
  margin-bottom: 0;
}

/* ----------------------------------------------------------
   10. Content Split
   ---------------------------------------------------------- */
.content-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.content-split.reverse .split-content {
  order: -1;
}

.split-image img {
  border-radius: 12px;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.08);
}

.split-content h2 {
  font-size: 1.8rem;
}

.split-content p {
  color: #7a7068;
}

/* ----------------------------------------------------------
   11. Checklist
   ---------------------------------------------------------- */
.checklist {
  list-style: none;
}

.checklist li {
  position: relative;
  padding-left: 34px;
  margin-bottom: 14px;
  line-height: 1.6;
}

.checklist li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 1px;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  background-color: #2c6e49;
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 700;
  border-radius: 50%;
}

/* ----------------------------------------------------------
   12. FAQ Accordion
   ---------------------------------------------------------- */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid #e0ddd8;
  border-radius: 10px;
  margin-bottom: 14px;
  overflow: hidden;
  transition: border-color 0.3s ease;
}

.faq-item.active {
  border-color: #2c6e49;
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 20px 24px;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: #2d3436;
  text-align: left;
  background: none;
  cursor: pointer;
  transition: color 0.25s ease;
}

.faq-question:hover {
  color: #2c6e49;
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: #2c6e49;
  transition: transform 0.3s ease;
  margin-left: 16px;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 24px 24px;
  color: #7a7068;
  line-height: 1.75;
}

.faq-answer-inner p:last-child {
  margin-bottom: 0;
}

/* ----------------------------------------------------------
   13. CTA Banner
   ---------------------------------------------------------- */
.cta-banner {
  background: linear-gradient(135deg, #2c6e49 0%, #2d3436 100%);
  padding: 64px 0;
  text-align: center;
  color: #ffffff;
}

.cta-banner h2 {
  color: #ffffff;
  margin-bottom: 0.4em;
}

.cta-banner p {
  opacity: 0.9;
  max-width: 600px;
  margin: 0 auto 1.5em;
  font-size: 1.08rem;
}

/* ----------------------------------------------------------
   14. Multi-step Form
   ---------------------------------------------------------- */
.form-wrapper {
  max-width: 640px;
  margin: 0 auto;
  background-color: #ffffff;
  border-radius: 16px;
  padding: 40px 36px;
  box-shadow: 0 4px 28px rgba(0, 0, 0, 0.08);
}

/* Progress indicator */
.form-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 36px;
}

.progress-step {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background-color: #e0ddd8;
  color: #7a7068;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: 50%;
  transition: background-color 0.3s ease, color 0.3s ease;
  flex-shrink: 0;
}

.progress-step.active {
  background-color: #2c6e49;
  color: #ffffff;
}

.progress-step.completed {
  background-color: #c5922e;
  color: #ffffff;
}

.progress-connector {
  width: 48px;
  height: 3px;
  background-color: #e0ddd8;
  margin: 0 6px;
  border-radius: 3px;
  transition: background-color 0.3s ease;
}

.progress-connector.active {
  background-color: #2c6e49;
}

/* Form steps */
.form-step {
  display: none;
}

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

.form-step-title {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: #2d3436;
  margin-bottom: 8px;
  text-align: center;
}

.form-step-desc {
  color: #7a7068;
  text-align: center;
  margin-bottom: 28px;
  font-size: 0.95rem;
}

/* Form groups */
.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  color: #2d3436;
  margin-bottom: 6px;
}

.form-group label .required {
  color: #e74c3c;
  margin-left: 2px;
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="number"],
.form-group input[type="url"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  font-family: 'Lato', Arial, sans-serif;
  font-size: 1rem;
  color: #3d3227;
  background-color: #fdfbf7;
  border: 2px solid #e0ddd8;
  border-radius: 8px;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
  min-height: 48px;
}

.form-group textarea {
  min-height: 110px;
  resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: #2c6e49;
  box-shadow: 0 0 0 3px rgba(44, 110, 73, 0.12);
}

/* Validation states */
.form-group.error input,
.form-group.error select,
.form-group.error textarea {
  border-color: #e74c3c;
  box-shadow: 0 0 0 3px rgba(231, 76, 60, 0.1);
}

.form-group.success input,
.form-group.success select,
.form-group.success textarea {
  border-color: #2c6e49;
}

.form-error-msg {
  display: none;
  color: #e74c3c;
  font-size: 0.84rem;
  margin-top: 5px;
}

.form-group.error .form-error-msg {
  display: block;
}

/* Checkbox / consent */
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 24px;
  font-size: 0.88rem;
  color: #7a7068;
  line-height: 1.5;
}

.form-consent input[type="checkbox"] {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: #2c6e49;
  cursor: pointer;
}

.form-consent.error {
  color: #e74c3c;
}

/* Radio / option cards */
.form-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-option {
  position: relative;
}

.form-option input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.form-option label {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 16px;
  text-align: center;
  background-color: #fdfbf7;
  border: 2px solid #e0ddd8;
  border-radius: 8px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  transition: border-color 0.25s ease, background-color 0.25s ease;
  min-height: 48px;
}

.form-option input[type="radio"]:checked + label {
  border-color: #2c6e49;
  background-color: rgba(44, 110, 73, 0.06);
  color: #2c6e49;
}

/* Form row */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* Form navigation */
.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
}

.form-nav .btn-back {
  background: none;
  color: #7a7068;
  font-weight: 600;
  padding: 12px 20px;
  border-radius: 8px;
  transition: color 0.25s ease;
}

.form-nav .btn-back:hover {
  color: #2c6e49;
}

.form-nav .btn-skip {
  background: none;
  color: #7a7068;
  font-size: 0.9rem;
  text-decoration: underline;
  transition: color 0.25s ease;
}

.form-nav .btn-skip:hover {
  color: #2c6e49;
}

/* Success / Error messages */
.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}

.form-success.visible {
  display: block;
}

.form-success-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 72px;
  height: 72px;
  margin: 0 auto 20px;
  background-color: #2c6e49;
  color: #ffffff;
  font-size: 2rem;
  border-radius: 50%;
}

.form-success h3 {
  color: #2c6e49;
  margin-bottom: 0.4em;
}

.form-success p {
  color: #7a7068;
}

.form-error {
  display: none;
  background-color: #fef2f2;
  border: 1px solid #e74c3c;
  border-radius: 8px;
  padding: 16px 20px;
  color: #e74c3c;
  font-size: 0.92rem;
  margin-bottom: 20px;
  text-align: center;
}

.form-error.visible {
  display: block;
}

/* ----------------------------------------------------------
   15. Breadcrumbs
   ---------------------------------------------------------- */
.breadcrumbs {
  padding: 16px 0;
  font-size: 0.88rem;
  color: #7a7068;
}

.breadcrumbs ul {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
}

.breadcrumbs li:not(:last-child)::after {
  content: '/';
  margin-left: 6px;
  color: #c5c0b8;
}

.breadcrumbs a {
  color: #7a7068;
}

.breadcrumbs a:hover {
  color: #2c6e49;
}

.breadcrumbs .current {
  color: #3d3227;
  font-weight: 600;
}

/* ----------------------------------------------------------
   16. Footer
   ---------------------------------------------------------- */
.site-footer {
  background-color: #2d3436;
  color: rgba(255, 255, 255, 0.72);
  padding: 64px 0 0;
  font-size: 0.93rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.footer-col h4 {
  font-family: 'Merriweather', Georgia, serif;
  color: #c5922e;
  font-size: 1.05rem;
  margin-bottom: 18px;
}

.footer-col ul li {
  margin-bottom: 10px;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.72);
  transition: color 0.25s ease;
}

.footer-col a:hover {
  color: #c5922e;
}

.footer-col p {
  margin-bottom: 0.8em;
  line-height: 1.7;
}

.footer-bottom {
  margin-top: 48px;
  padding: 20px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  text-align: center;
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.48);
}

/* ----------------------------------------------------------
   17. Sticky Mobile CTA
   ---------------------------------------------------------- */
.sticky-mobile-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 900;
  background-color: #2c6e49;
  padding: 12px 16px;
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.18);
  transform: translateY(100%);
  transition: transform 0.35s ease;
}

.sticky-mobile-cta.visible {
  transform: translateY(0);
}

.sticky-mobile-cta .btn {
  width: 100%;
  text-align: center;
}

/* ----------------------------------------------------------
   18. Buttons
   ---------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  font-family: 'Lato', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color 0.25s ease, color 0.25s ease, border-color 0.25s ease, transform 0.2s ease, box-shadow 0.25s ease;
  min-height: 48px;
  text-decoration: none;
  line-height: 1.3;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.12);
}

.btn:active {
  transform: translateY(0);
}

.btn-primary {
  background-color: #2c6e49;
  color: #ffffff;
  border-color: #2c6e49;
}

.btn-primary:hover {
  background-color: #245a3c;
  border-color: #245a3c;
  color: #ffffff;
}

.btn-outline {
  background-color: transparent;
  color: #2c6e49;
  border-color: #2c6e49;
}

.btn-outline:hover {
  background-color: #2c6e49;
  color: #ffffff;
}

.btn-white {
  background-color: #ffffff;
  color: #2c6e49;
  border-color: #ffffff;
}

.btn-white:hover {
  background-color: #f0f4ee;
  border-color: #f0f4ee;
  color: #2c6e49;
}

.btn-gold {
  background-color: #c5922e;
  color: #ffffff;
  border-color: #c5922e;
}

.btn-gold:hover {
  background-color: #b0811f;
  border-color: #b0811f;
  color: #ffffff;
}

.btn-lg {
  padding: 18px 36px;
  font-size: 1.1rem;
  min-height: 56px;
}

/* ----------------------------------------------------------
   19. 404 Error Page
   ---------------------------------------------------------- */
.error-page {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 60vh;
  text-align: center;
  padding: 80px 24px;
}

.error-page h1 {
  font-size: 5rem;
  color: #c5922e;
  margin-bottom: 0.2em;
}

.error-page h2 {
  font-size: 1.6rem;
  margin-bottom: 0.5em;
}

.error-page p {
  color: #7a7068;
  max-width: 480px;
  margin: 0 auto 1.5em;
}

/* ----------------------------------------------------------
   21. Key Takeaways Box
   ---------------------------------------------------------- */
.key-takeaways {
  background-color: #f0f4ee;
  border-left: 4px solid #2c6e49;
  border-radius: 0 12px 12px 0;
  padding: 28px 32px;
  margin: 32px 0;
}

.key-takeaways h3 {
  font-size: 1.1rem;
  color: #2c6e49;
  margin-bottom: 14px;
}

.key-takeaways ul {
  list-style: none;
}

.key-takeaways ul li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 10px;
  font-size: 0.96rem;
  line-height: 1.6;
}

.key-takeaways ul li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: #2c6e49;
  font-weight: 700;
}

.key-takeaways ul li:last-child {
  margin-bottom: 0;
}

/* ----------------------------------------------------------
   22. Article Content Typography
   ---------------------------------------------------------- */
.article-content {
  max-width: 760px;
  margin: 0 auto;
}

.article-content h2 {
  font-size: 1.7rem;
  margin-top: 2em;
  margin-bottom: 0.5em;
}

.article-content h3 {
  font-size: 1.3rem;
  margin-top: 1.6em;
  margin-bottom: 0.45em;
}

.article-content p {
  margin-bottom: 1.3em;
}

.article-content ul,
.article-content ol {
  padding-left: 24px;
  margin-bottom: 1.3em;
}

.article-content ul {
  list-style: disc;
}

.article-content ol {
  list-style: decimal;
}

.article-content li {
  margin-bottom: 8px;
  line-height: 1.7;
}

.article-content blockquote {
  border-left: 4px solid #c5922e;
  padding: 16px 24px;
  margin: 1.5em 0;
  background-color: #fdfbf7;
  font-style: italic;
  color: #7a7068;
  border-radius: 0 8px 8px 0;
}

.article-content a {
  color: #2c6e49;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.article-content a:hover {
  color: #c5922e;
}

.article-content img {
  border-radius: 10px;
  margin: 1.5em 0;
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  color: #7a7068;
  font-size: 0.9rem;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.article-meta span {
  display: flex;
  align-items: center;
  gap: 5px;
}

/* ----------------------------------------------------------
   23. Coverage / Comparison Table
   ---------------------------------------------------------- */
.comparison-table-wrapper {
  overflow-x: auto;
  margin: 1.5em 0;
  border-radius: 12px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background-color: #ffffff;
  font-size: 0.95rem;
}

.comparison-table thead th {
  background-color: #2d3436;
  color: #ffffff;
  font-family: 'Merriweather', Georgia, serif;
  font-weight: 600;
  padding: 16px 20px;
  text-align: left;
  white-space: nowrap;
}

.comparison-table thead th:first-child {
  border-radius: 12px 0 0 0;
}

.comparison-table thead th:last-child {
  border-radius: 0 12px 0 0;
}

.comparison-table tbody td {
  padding: 14px 20px;
  border-bottom: 1px solid #ece9e4;
  vertical-align: top;
}

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

.comparison-table tbody tr:nth-child(even) {
  background-color: #fdfbf7;
}

.comparison-table tbody tr:hover {
  background-color: #f0f4ee;
}

.comparison-table .check {
  color: #2c6e49;
  font-weight: 700;
}

.comparison-table .cross {
  color: #e74c3c;
  font-weight: 700;
}

.comparison-table .highlight-col {
  background-color: rgba(44, 110, 73, 0.05);
}

/* ----------------------------------------------------------
   24. Trust Signals Row
   ---------------------------------------------------------- */
.trust-signals {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
  padding: 24px 0;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  color: #7a7068;
  font-weight: 600;
  white-space: nowrap;
}

.trust-item i,
.trust-item svg,
.trust-item img {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  color: #2c6e49;
}

/* ----------------------------------------------------------
   20. Responsive
   ---------------------------------------------------------- */

/* Tablet: <=968px */
@media (max-width: 968px) {
  h1 { font-size: 2.1rem; }
  h2 { font-size: 1.65rem; }

  .hero { min-height: 440px; }
  .hero h1 { font-size: 2.2rem; }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .steps-grid,
  .cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .content-split {
    gap: 36px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

/* Mobile: <=768px */
@media (max-width: 768px) {
  body {
    font-size: 16px;
  }

  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.45rem; }
  h3 { font-size: 1.2rem; }

  .container {
    padding: 0 16px;
  }

  .section {
    padding: 56px 0;
  }

  /* Header mobile */
  .nav-toggle {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background-color: #2d3436;
    z-index: 1080;
    padding: 80px 24px 40px;
    transition: right 0.35s ease;
    overflow-y: auto;
  }

  .main-nav.open {
    right: 0;
  }

  .main-nav ul {
    flex-direction: column;
    gap: 4px;
  }

  .main-nav a {
    display: block;
    padding: 14px 16px;
    font-size: 1.05rem;
    border-radius: 8px;
  }

  /* Hero mobile */
  .hero {
    min-height: 400px;
  }

  .hero h1 {
    font-size: 1.9rem;
  }

  .hero-content {
    padding: 60px 16px;
  }

  .hero-zip-form {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-zip-form input[type="text"] {
    width: 100%;
  }

  /* Stats mobile */
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .stat-item .stat-number {
    font-size: 1.7rem;
  }

  /* Grids mobile */
  .steps-grid,
  .cards-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .content-split {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .content-split.reverse .split-content {
    order: 0;
  }

  .split-content {
    order: 2;
  }

  .split-image {
    order: 1;
  }

  /* Form mobile */
  .form-wrapper {
    padding: 28px 20px;
    border-radius: 12px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

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

  .progress-connector {
    width: 28px;
  }

  /* Footer mobile */
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  /* CTA banner mobile */
  .cta-banner {
    padding: 48px 0;
  }

  /* Sticky mobile CTA */
  .sticky-mobile-cta {
    display: block;
  }

  /* Trust signals mobile */
  .trust-signals {
    gap: 20px;
  }

  /* Table mobile */
  .comparison-table {
    font-size: 0.88rem;
  }

  .comparison-table thead th,
  .comparison-table tbody td {
    padding: 12px 14px;
  }
}

/* Hide sticky CTA on desktop */
@media (min-width: 769px) {
  .sticky-mobile-cta {
    display: none !important;
  }
}