/* =========================================================================
   CoverSavvy marketing stylesheet — /, /term-life/, /contact/
   =========================================================================
   Ported from the Claude Design project "CoverSavvy Website"
   (_ds/coversavvy-design-system-.../colors_and_type.css). The design ships
   as inline styles on a canvas; here the same values live in classes so the
   three pages share one cached file instead of repeating a footer six times.

   The token block is a verbatim copy of the design system's. Do not retune a
   token to fix one page -- the tokens are also the source the rates site and
   the funnel were sampled from, so a local edit here silently forks the brand.

   Linked with ?v=<hash> from each page. HTML revalidates on every request but
   this file is cached for hours, so a markup+CSS change that ships without a
   new hash renders new HTML against old CSS in returning browsers. Bump it.
   ========================================================================= */

/* ---------------------------------------------------------------- tokens */
:root {
  /* brand */
  --cs-green:          #139C6C;
  --cs-green-dark:     #0E7A54;
  --cs-green-light:    #E8F5EF;
  --cs-green-pale:     rgba(19, 156, 108, 0.08);
  --cs-navy:           #1F2C48;
  --cs-blue-accent:    #6087D8;

  /* neutrals */
  --cs-gray-300:       #D1DDD8;
  --cs-border-light:   #E2EBE7;

  /* semantic text */
  --fg-1:              #202020;   /* headings */
  --fg-2:              #2F2F2F;   /* body */
  --fg-3:              #414342;   /* muted */
  --fg-4:              #6B7280;   /* micro / meta */

  --bg-1:              #FFFFFF;
  --bg-3:              #EDF3F1;   /* green-tinted section */

  /* type */
  --font-heading: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body:    'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --lh-tight:     1.25;
  --lh-body:      1.6;
  --lh-loose:     1.7;
  --tracking-tight:   -0.02em;
  --tracking-eyebrow: 0.08em;

  /* radii / shadows */
  --radius-md:    16px;
  --radius-lg:    24px;
  --radius-pill:  50px;
  --shadow-sm:    0 1px 3px rgba(0,0,0,0.04), 0 4px 16px rgba(0,0,0,0.03);
  --shadow-md:    0 8px 24px rgba(19,156,108,0.08);
  --shadow-lg:    0 20px 40px rgba(31,44,72,0.15);

  --ease-out:     cubic-bezier(0.2, 0.8, 0.2, 1);
  --dur-fast:     0.15s;
}

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

html { font-size: 16px; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.125rem;
  line-height: var(--lh-body);
  color: var(--fg-2);
  background: var(--bg-1);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4 {
  margin: 0 0 0.5em;
  font-family: var(--font-heading);
  color: var(--fg-1);
  line-height: var(--lh-tight);
  letter-spacing: var(--tracking-tight);
}
h1 { font-size: 54px; font-weight: 800; }
h2 { font-size: 36px; font-weight: 800; }
h3 { font-size: 20px; font-weight: 700; }

p { margin: 0 0 1em; text-wrap: pretty; }

a {
  color: var(--cs-green);
  font-weight: 600;
  text-decoration: none;
  transition: color var(--dur-fast) var(--ease-out);
}
a:hover { color: var(--cs-green-dark); text-decoration: underline; text-underline-offset: 2px; }

/* height:auto or the intrinsic height="" attribute -- which is there so the
   browser reserves the right box before load -- fights width:100% and ships a
   stretched image. */
img { max-width: 100%; height: auto; }

/* The audience skews older; keep the focus ring loud. */
:focus-visible { outline: 3px solid var(--cs-green); outline-offset: 2px; border-radius: 4px; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--cs-green-dark);
}

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

/* ------------------------------------------------------------- structure */
.wrap { max-width: 1140px; margin: 0 auto; padding: 72px 48px; }
.wrap-narrow { max-width: 840px; margin: 0 auto; padding: 72px 48px; }
.wrap-faq { max-width: 820px; margin: 0 auto; padding: 72px 48px; }

.section-tint { background: var(--bg-3); }

/* Heading on the left, a supporting line hanging off the right. */
.section-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 24px;
}
.section-head h2 { margin: 10px 0 0; }
.section-head p { margin: 0; max-width: 380px; font-size: 16px; color: var(--fg-3); }

.lede { font-size: 17px; color: var(--fg-3); margin: 0 0 28px; max-width: 660px; }
.note { font-size: 13px; color: var(--fg-4); margin: 16px 0 0; }

/* --------------------------------------------------------------- buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  padding: 0 34px;
  border: none;
  border-radius: var(--radius-pill);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 18px;
  cursor: pointer;
  transition: background var(--dur-fast) var(--ease-out),
              transform var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-fast) var(--ease-out);
}
.btn:hover { text-decoration: none; transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn:active { transform: translateY(0); }

/* Resting fill is --cs-green-dark, not --cs-green. White on --cs-green is
   3.50:1, under the 4.5:1 AA wants for normal text, and none of these
   buttons clear the large-text exemption (the biggest is 18px/700, just
   under the 18.66px bold threshold). --cs-green-dark takes it to 5.34:1.
   This is a role change, not a token retune -- both values are the design
   system's own, so the rates site and funnel stay in sync.

   Hover then has to go darker still: swapping to the lighter --cs-green
   would put the hover state back at 3.50:1. The step is mixed from the
   token rather than hardcoded so there is no third green to keep in sync;
   the plain declaration above it is the fallback for browsers without
   color-mix, which still get the lift and shadow from .btn:hover. */
.btn-primary { background: var(--cs-green-dark); color: #fff; }
.btn-primary:hover {
  background: var(--cs-green-dark);
  background: color-mix(in srgb, var(--cs-green-dark) 90%, #000);
  color: #fff;
}

.btn-outline {
  padding: 0 30px;
  border: 2px solid var(--cs-green);
  background: transparent;
  color: var(--cs-green-dark);
  font-size: 17px;
}
.btn-outline:hover { background: var(--cs-green-light); color: var(--cs-green-dark); }

.btn-white { background: #fff; color: var(--cs-green-dark); font-weight: 800; padding: 0 40px; }
.btn-white:hover { background: #fff; color: var(--cs-green-dark); box-shadow: var(--shadow-lg); }

.btn-block { width: 100%; }

.btn-row { display: flex; gap: 16px; margin: 28px 0 26px; }
.btn-row-center { justify-content: center; margin-bottom: 0; }

/* ---------------------------------------------------------------- header */
.site-head {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 48px;
  background: #fff;
  border-bottom: 1px solid var(--cs-border-light);
}
.site-head__logo { display: flex; }
.site-head__logo img { height: 44px; width: auto; display: block; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 32px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 16px;
}
/* :not(.btn) matters. The CTA in this nav is an <a class="btn btn-primary">,
   and a bare `.site-nav a` (0,1,1) out-specifies `.btn-primary` (0,1,0) --
   so the green pill was painting its label in the nav-link ink instead of
   white, while the same button in the mobile drawer was white. Excluding
   .btn here lets the button keep its own colours in both states. */
.site-nav a:not(.btn) { color: var(--fg-1); font-weight: 600; }
.site-nav a:not(.btn):hover { color: var(--cs-green-dark); }
.site-nav a[aria-current="page"]:not(.btn) { color: var(--cs-green-dark); }
.site-nav .btn { min-height: 48px; padding: 0 26px; font-size: 16px; }

/* Hamburger + drawer: desktop-hidden, swapped in under 900px. */
.nav-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  padding: 0;
  border: none;
  background: none;
  color: #1A1F1C;
  cursor: pointer;
}
.nav-drawer { display: none; }

/* ------------------------------------------------------------------ hero */
.hero { background: var(--bg-3); }
.hero__inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  padding: 80px 48px;
  align-items: center;
}
.hero h1 { margin: 0 0 20px; }
.hero__lede { font-size: 19px; color: var(--fg-3); max-width: 520px; }

.hero-centered { text-align: center; }
.hero-centered h1 { font-size: 50px; margin: 0 0 18px; }
.hero-centered .hero__lede { max-width: 640px; margin: 0 auto; }

.checks { display: flex; flex-direction: column; gap: 10px; font-size: 16px; color: var(--fg-3); }
.checks span { display: flex; align-items: center; gap: 8px; }
.checks svg { flex-shrink: 0; }

.hero__media { position: relative; }
.hero__media img { width: 100%; border-radius: var(--radius-lg); display: block; box-shadow: var(--shadow-lg); }

/* Price proof floating off the bottom-left corner of the photo. */
.price-badge {
  position: absolute;
  bottom: -22px;
  left: 32px;
  display: flex;
  align-items: center;
  gap: 14px;
  background: #fff;
  border-radius: var(--radius-md);
  padding: 14px 22px;
  box-shadow: var(--shadow-lg);
}
.price-badge__amount { font-family: var(--font-heading); font-weight: 800; font-size: 18px; color: var(--fg-1); }
.price-badge__who { font-size: 13px; color: var(--fg-4); }

/* Rounded green icon tiles, three sizes. */
.icon-tile {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border-radius: 12px;
  background: var(--cs-green-light);
  width: 44px;
  height: 44px;
}
.icon-tile--lg { width: 72px; height: 72px; border-radius: var(--radius-md); }
.icon-tile--md { width: 64px; height: 64px; border-radius: 14px; }
.icon-tile--sm { width: 48px; height: 48px; }

/* ------------------------------------------------------------ press strip */
.press {
  border-bottom: 1px solid var(--cs-border-light);
}
.press__inner {
  max-width: 1140px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  padding: 24px 48px;
  flex-wrap: wrap;
}
.press__label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--fg-4);
}
/* Sized per logo, not to a shared height. These four marks range from 3:1
   (AOL) to 7:1 (Yahoo! Finance), so one height rule made Yahoo 2.5x the
   width of AOL. The heights below are tuned so all four read at roughly
   equal weight. Re-tune if a logo is swapped -- and check the new file's
   ink actually fills its canvas: newsbreak.png used to be a small mark on
   a big white plate (ink was 30% of the height), which made it look tiny
   at any box size until the padding was cropped out of the asset itself. */
.press img { width: auto; filter: grayscale(1); opacity: 0.6; }
.press img[alt="AOL"] { height: 27px; }
.press img[alt="Yahoo! Finance"] { height: 21px; }
.press img[alt="GOBankingRates"] { height: 32px; }
.press img[alt="NewsBreak"] { height: 24px; }

/* ----------------------------------------------------------------- cards */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }

.card {
  background: #fff;
  border: 1px solid var(--cs-border-light);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.card h3 { margin: 18px 0 8px; }
.card p { font-size: 16px; color: var(--fg-3); margin: 0; }
.card__stat { font-family: var(--font-heading); font-weight: 800; font-size: 24px; color: var(--cs-green-dark); }
.card__stat + p { margin-top: 8px; }

/* Icon beside copy rather than above it. */
.feature { display: flex; gap: 18px; align-items: flex-start; }
.feature h3 { margin: 0 0 6px; }
.feature p { font-size: 16px; color: var(--fg-3); margin: 0; }
.grid-3-features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }

/* ------------------------------------------------------- sample policies */
.policy {
  background: #fff;
  border: 1px solid var(--cs-gray-300);
  border-radius: var(--radius-md);
  padding: 26px;
  box-shadow: var(--shadow-sm);
}
.policy__row { display: flex; justify-content: space-between; align-items: baseline; }
.policy__face { font-family: var(--font-heading); font-weight: 800; font-size: 26px; color: var(--fg-1); }
.policy__price { font-family: var(--font-heading); font-weight: 800; font-size: 20px; color: var(--cs-green-dark); }
.policy__term { font-size: 14px; color: var(--fg-4); margin: 4px 0 14px; }
.policy__who { font-size: 15px; color: var(--fg-3); line-height: var(--lh-body); }
.policy a { display: inline-block; margin-top: 16px; font-size: 15px; }
.policy__label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--fg-4);
}
.policy--labelled .policy__row { margin-top: 6px; }
.policy--labelled .policy__face { font-size: 28px; }
.policy__facts {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 15px;
  color: var(--fg-3);
  margin-top: 16px;
  border-top: 1px solid var(--cs-border-light);
  padding-top: 16px;
}
.center { text-align: center; margin-top: 36px; }

/* ------------------------------------------------- comparison table (term) */
.compare {
  border: 1px solid var(--cs-gray-300);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.compare__row { display: grid; grid-template-columns: 200px 1fr 1fr; border-top: 1px solid var(--cs-border-light); }
.compare__row:first-child { border-top: none; }
.compare__head { background: var(--cs-navy); }
.compare__head > div { padding: 16px 24px; font-family: var(--font-heading); font-size: 16px; }
.compare__head .them { font-weight: 700; color: rgba(255,255,255,0.85); }
.compare__head .us { font-weight: 800; color: #fff; display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.compare__badge {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  background: var(--cs-green);
  border-radius: var(--radius-pill);
  padding: 3px 10px;
}
.compare__row > div { padding: 18px 24px; }
.compare__label { font-family: var(--font-heading); font-weight: 700; font-size: 15px; color: var(--fg-1); }
.compare__them { font-size: 16px; color: var(--fg-3); }
.compare__us { font-size: 16px; color: var(--fg-2); background: var(--cs-green-pale); }
.compare-note { font-size: 15px; color: var(--fg-4); margin: 18px 0 0; max-width: 720px; }

/* Callout box with a green rule around it. */
.callout {
  background: #fff;
  border: 2px solid var(--cs-green);
  border-radius: var(--radius-md);
  padding: 26px 30px;
  margin: 22px 0;
  box-shadow: var(--shadow-sm);
}
.callout p { font-size: 17px; color: var(--fg-2); margin: 10px 0 0; }
.callout .amount { font-family: var(--font-heading); font-size: 22px; color: var(--cs-green-dark); }

/* ------------------------------------------------------------------- FAQ */
.faq-list { display: flex; flex-direction: column; gap: 14px; }
.faq {
  background: #fff;
  border: 1px solid var(--cs-border-light);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  box-shadow: var(--shadow-sm);
}
.faq > summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  list-style: none;
  cursor: pointer;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 19px;
  color: var(--fg-1);
}
.faq > summary::-webkit-details-marker { display: none; }
.faq__chevron { flex-shrink: 0; transition: transform 0.2s var(--ease-out); }
.faq[open] .faq__chevron { transform: rotate(180deg); }
.faq p { font-size: 17px; color: var(--fg-3); margin: 14px 0 0; }

/* ------------------------------------------------------------- CTA banner */
.cta {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, rgba(31,44,72,0.92), rgba(19,156,108,0.88));
  border-radius: var(--radius-lg);
  padding: 64px 56px;
  text-align: center;
}
/* Soft highlight bleeding in from the top-right. */
.cta::after {
  content: "";
  position: absolute;
  top: -100px;
  right: -60px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.06), transparent 65%);
}
.cta h2 { color: #fff; font-size: 40px; margin: 0 0 12px; position: relative; }
.cta p { color: rgba(255,255,255,0.85); font-size: 19px; margin: 0 auto 28px; max-width: 560px; position: relative; }
.cta .btn { position: relative; }

/* ------------------------------------------------------------ contact page */
.split {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  gap: 56px;
  padding: 72px 48px;
  align-items: center;
}
.split--founder { grid-template-columns: 0.8fr 1.2fr; }
.split--contact { grid-template-columns: 1fr 1.2fr; align-items: start; }
.split--pricing { grid-template-columns: 1fr 1fr; }
.split img { width: 100%; border-radius: var(--radius-lg); display: block; box-shadow: var(--shadow-lg); }
.split p { font-size: 18px; color: var(--fg-3); }

.role { font-family: var(--font-heading); font-weight: 700; font-size: 17px; color: var(--cs-green-dark); margin-bottom: 16px; }

.pills { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--cs-green-light);
  color: var(--cs-green-dark);
  border-radius: var(--radius-pill);
  padding: 8px 18px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 14px;
}

.contact-cards { display: flex; flex-direction: column; gap: 16px; margin-top: 26px; }
.contact-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #fff;
  border: 1px solid var(--cs-border-light);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  box-shadow: var(--shadow-sm);
  color: inherit;
  font-weight: 400;
}
a.contact-card:hover { text-decoration: none; border-color: var(--cs-green); color: inherit; }
.contact-card__title { display: block; font-family: var(--font-heading); font-weight: 800; font-size: 18px; color: var(--fg-1); }
.contact-card__sub { display: block; font-size: 14px; color: var(--fg-4); }

/* ------------------------------------------------------------------ form */
.form-card {
  background: #fff;
  border: 1px solid var(--cs-border-light);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  box-shadow: var(--shadow-sm);
}
.form-card h2 { font-size: 22px; margin: 0 0 4px; }
.form-card__sub { font-size: 15px; color: var(--fg-4); margin: 0 0 22px; }

.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--wide { margin-top: 16px; }
.field label { font-family: var(--font-heading); font-weight: 700; font-size: 14px; color: var(--fg-1); }
.field input,
.field textarea {
  border: 2px solid var(--cs-gray-300);
  border-radius: 12px;
  padding: 14px 16px;
  font-size: 16px;   /* 16px minimum, or iOS zooms the page on focus */
  font-family: var(--font-body);
  color: var(--fg-2);
  background: #fff;
  transition: border-color var(--dur-fast) var(--ease-out);
}
.field textarea { resize: vertical; }
.field input:focus,
.field textarea:focus {
  border-color: var(--cs-green);
  box-shadow: 0 0 0 3px rgba(19,156,108,0.18);
  outline: none;
}

.consent { display: flex; gap: 12px; align-items: flex-start; margin-top: 18px; cursor: pointer; }
.consent input { width: 20px; height: 20px; margin-top: 2px; accent-color: #139C6C; flex-shrink: 0; }
.consent span { font-size: 13px; color: var(--fg-4); line-height: var(--lh-body); }

.form-card .btn { margin-top: 22px; }
.form-note { font-size: 12px; color: var(--fg-4); margin: 14px 0 0; text-align: center; }
.form-status {
  margin: 0 0 18px;
  padding: 14px 18px;
  border-radius: 12px;
  background: var(--cs-green-light);
  color: var(--cs-green-dark);
  font-size: 16px;
  font-weight: 600;
}

/* --------------------------------------------------------------- location */
.location {
  display: grid;
  grid-template-columns: 0.9fr 1.4fr;
  border: 1px solid var(--cs-border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.location__copy { padding: 44px 40px; display: flex; flex-direction: column; justify-content: center; }
.location__copy h2 { font-size: 30px; margin: 10px 0 12px; }
.location__copy p { font-size: 17px; color: var(--fg-3); margin: 0 0 20px; }
.location__addr { display: flex; align-items: flex-start; gap: 12px; font-size: 16px; color: var(--fg-2); line-height: var(--lh-body); }
.location iframe { border: 0; width: 100%; height: 420px; display: block; }

/* ---------------------------------------------------------------- footer */
.site-foot { background: var(--cs-navy); color: rgba(255,255,255,0.72); font-size: 14px; }
.site-foot__inner { max-width: 1140px; margin: 0 auto; padding: 56px 48px 40px; }
.site-foot__cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
.site-foot img { height: 32px; width: auto; margin-bottom: 18px; }
.site-foot p { margin: 0 0 10px; line-height: var(--lh-loose); }
.site-foot__col { display: flex; flex-direction: column; gap: 10px; }
.site-foot__col a { color: var(--cs-blue-accent); }
.site-foot__col a:hover { color: #8FAEE6; }
.site-foot__heading {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}
.site-foot__legal {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  line-height: var(--lh-loose);
  margin: 36px 0 0;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 24px;
}
.site-foot__legal + .site-foot__legal { margin-top: 16px; border-top: none; padding-top: 0; }
.site-foot__legal a { color: var(--cs-blue-accent); }
.site-foot__bottom { display: flex; justify-content: space-between; align-items: center; gap: 24px; margin-top: 24px; }
.site-foot__bottom p { font-size: 12px; color: rgba(255,255,255,0.45); margin: 0; }
.site-foot__social { display: flex; gap: 14px; }
.site-foot__social a { color: rgba(255,255,255,0.6); display: flex; }
.site-foot__social a:hover { color: #fff; }

/* =========================================================================
   Responsive. The design ships two artboards -- 1140px desktop and a 390px
   phone -- so these breakpoints reproduce the phone layout, and the middle
   is interpolated: grids collapse before the type shrinks.
   ========================================================================= */

@media (max-width: 1023px) {
  .hero__inner,
  .split--founder,
  .split--contact,
  .split--pricing { grid-template-columns: 1fr; gap: 36px; }
  .hero__inner { padding: 56px 32px; }
  .split { padding: 56px 32px; }
  /* Photo above the copy on the pricing block, matching the phone artboard. */
  .split--pricing > :first-child { order: -1; }
  .grid-3, .grid-3-features { grid-template-columns: 1fr 1fr; }
  .location { grid-template-columns: 1fr; }
  .location iframe { height: 300px; }
  .site-foot__cols { grid-template-columns: 1fr 1fr; }
  .wrap, .wrap-narrow, .wrap-faq { padding: 56px 32px; }
  .press__inner { gap: 28px; padding: 20px 32px; }
  h1 { font-size: 42px; }
  .hero-centered h1 { font-size: 40px; }
}

@media (max-width: 899px) {
  /* Swap the inline nav for a drawer. */
  .site-nav { display: none; }
  .nav-toggle { display: flex; }
  .site-head { padding: 14px 20px; }
  .site-head__logo img { height: 30px; }

  .nav-drawer[open] {
    display: block;
    position: fixed;
    inset: 0;
    z-index: 60;
    background: rgba(31,44,72,0.45);
  }
  .nav-drawer__panel {
    position: absolute;
    top: 0; right: 0;
    width: min(320px, 86vw);
    height: 100%;
    background: #fff;
    padding: 18px 24px 32px;
    display: flex;
    flex-direction: column;
    gap: 4px;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
  }
  .nav-drawer__close {
    align-self: flex-end;
    width: 44px; height: 44px;
    border: none; background: none; color: #1A1F1C; cursor: pointer;
    display: flex; align-items: center; justify-content: center;
  }
  .nav-drawer__panel a {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: var(--fg-1);
    padding: 14px 0;
    border-bottom: 1px solid var(--cs-border-light);
  }
  .nav-drawer__panel a:hover { color: var(--cs-green-dark); }
  .nav-drawer__panel .btn { margin-top: 20px; border-bottom: none; color: #fff; }
  .nav-drawer__panel .btn:hover { color: #fff; }
}

@media (max-width: 767px) {
  body { font-size: 17px; }
  h1 { font-size: 33px; }
  h2 { font-size: 26px; }
  .hero-centered h1 { font-size: 32px; }

  .wrap, .wrap-narrow, .wrap-faq { padding: 36px 24px; }
  .hero__inner { padding: 24px 24px 44px; gap: 26px; }
  .split { padding: 36px 24px; gap: 24px; }
  .hero__lede { font-size: 17px; }

  /* Full-width stacked CTAs -- thumb targets, not a row of pills. */
  .btn-row { flex-direction: column; gap: 12px; margin: 22px 0 20px; }
  .btn-row .btn { width: 100%; }
  .btn { min-height: 54px; font-size: 17px; padding: 0 24px; }

  .grid-3, .grid-3-features { grid-template-columns: 1fr; gap: 14px; margin-top: 20px; }
  /* Cards go icon-beside-copy on the phone artboard. */
  .card--step { display: flex; gap: 16px; align-items: flex-start; padding: 18px; }
  .card--step h3 { margin: 0 0 4px; font-size: 18px; }
  .card--step .icon-tile--lg { width: 56px; height: 56px; border-radius: 14px; }
  .card--step .icon-tile--lg svg { width: 28px; height: 28px; }

  .section-head { flex-direction: column; align-items: flex-start; gap: 6px; }
  .section-head p { max-width: none; }

  .price-badge { left: 16px; bottom: -18px; padding: 10px 16px; gap: 10px; }
  .price-badge__amount { font-size: 15px; }
  .price-badge__who { font-size: 12px; }
  .price-badge .icon-tile { width: 36px; height: 36px; border-radius: 10px; }

  /* 2x2 grid rather than a wrapping flex row. At sizes where the logos are
     still readable the four of them do not fit one 375px row, and flex-wrap
     drops a lone logo onto its own line. A grid keeps the pairs even. */
  .press__inner { display: grid; grid-template-columns: repeat(2, 1fr);
    justify-items: center; align-items: center; gap: 18px 12px; padding: 18px 20px; }
  .press__label { grid-column: 1 / -1; text-align: center; font-size: 11px; }
  /* Must repeat the [alt] selectors: a bare `.press img` here loses to the
     attribute selectors above on specificity, so the desktop sizes would
     stick on mobile. Same ratios, scaled down. */
  .press img[alt="AOL"] { height: 20px; }
  .press img[alt="Yahoo! Finance"] { height: 15px; }
  .press img[alt="GOBankingRates"] { height: 23px; }
  .press img[alt="NewsBreak"] { height: 17px; }

  .cta { padding: 36px 28px; }
  .cta h2 { font-size: 26px; }
  .cta p { font-size: 16px; margin-bottom: 22px; }
  .cta .btn { width: 100%; }

  /* The three-column compare table becomes stacked rows with labels. */
  .compare__row { grid-template-columns: 1fr; }
  .compare__head { display: none; }
  .compare__label { padding-bottom: 4px; }
  .compare__them::before { content: "Direct carrier: "; font-weight: 700; color: var(--fg-4); }
  .compare__us::before { content: "CoverSavvy: "; font-weight: 700; color: var(--cs-green-dark); }
  .compare__row > div { padding: 12px 20px; }

  .faq { padding: 18px 20px; }
  .faq > summary { font-size: 17px; }
  .faq p { font-size: 16px; }

  .form-card { padding: 24px; border-radius: 20px; }
  .field-grid { grid-template-columns: 1fr; gap: 14px; }

  .location__copy { padding: 24px; }
  .location__copy h2 { font-size: 24px; }
  .location iframe { height: 220px; }

  .site-foot__cols { grid-template-columns: 1fr; gap: 24px; }
  .site-foot__inner { padding: 36px 24px 32px; }
  .site-foot__bottom { flex-direction: column; align-items: flex-start; gap: 16px; }
}