/* =====================================================================
   CoverSavvy Life Insurance Calculator — ON BRAND
   Tokens verified against the CoverSavvy Design System (colors_and_type.css):
   green #139C6C · navy #1F2C48 · white surfaces · Manrope + Open Sans.
   ===================================================================== */
:root{
  --cs-green:#139C6C; --cs-green-dark:#0E7A54; --cs-green-light:#E8F5EF;
  --cs-green-pale:rgba(19,156,108,.08); --cs-green-bg:#EDF3F1; --cs-green-border:rgba(19,156,108,.25);
  --cs-navy:#1F2C48; --cs-navy-dark:#18223A; --cs-blue:#6087D8; --cs-amber:#E67E22; --cs-amber-wash:#FBF0DA;
  --cs-white:#fff; --cs-section:#F9FAFB; --cs-line:#D1DDD8; --cs-line-2:#E2EBE7;
  --cs-ink:#1F2C48; --cs-ink-soft:#6B7280;
  --fg-1:#202020; --fg-2:#2F2F2F; --fg-3:#414342; --fg-4:#6B7280;
  --font-h:'Manrope',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --font-b:'Open Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --r-sm:12px; --r:16px; --r-lg:24px; --r-pill:50px;
  --sh-sm:0 1px 3px rgba(0,0,0,.04),0 4px 16px rgba(0,0,0,.03);
  --sh:0 1px 3px rgba(0,0,0,.04),0 4px 16px rgba(0,0,0,.03);
  --sh-md:0 8px 24px rgba(19,156,108,.08);
  --sh-lg:0 20px 40px rgba(31,44,72,.15);
  --ease:cubic-bezier(.2,.8,.2,1);
  --grad:linear-gradient(135deg,#1F2C48,#139C6C);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font-b);color:var(--fg-2);background:var(--cs-white);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
h1,h2,h3,h4{margin:0;font-family:var(--font-h);color:var(--fg-1);line-height:1.25;letter-spacing:-.02em}
a{color:var(--cs-green);text-decoration:none;font-weight:600;transition:color .15s var(--ease)}
a:hover{color:var(--cs-green-dark)}
button{font-family:inherit}
img{max-width:100%;height:auto}
.wrap{max-width:680px;margin:0 auto;padding:0 20px}
.hidden{display:none!important}
:focus-visible{outline:3px solid var(--cs-green);outline-offset:2px;border-radius:4px}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--cs-line)}
.header-inner{position:relative;max-width:1080px;margin:0 auto;padding:12px 22px;display:flex;align-items:center;justify-content:space-between;gap:14px}
.site-logo img{height:32px;display:block}
.header-link{font-family:var(--font-h);font-size:14px;color:var(--fg-2);font-weight:700}
.header-link:hover{color:var(--cs-green-dark)}
/* primary top nav — ported from coversavvy.com header */
.site-nav{display:flex;align-items:center;gap:4px}
.site-nav a{font-family:var(--font-b);font-size:16px;font-weight:600;color:var(--fg-2);padding:8px 13px;border-radius:8px;transition:color .15s var(--ease)}
.site-nav a:hover{color:var(--fg-1)}
.site-nav .nav-cta{margin-left:8px;font-family:var(--font-h);font-weight:700;color:var(--cs-green);background:var(--cs-green-pale);border:1px solid var(--cs-green);border-radius:var(--r-pill);padding:10px 24px}
.site-nav .nav-cta:hover{color:#fff;background:var(--cs-green);text-decoration:none}
.nav-toggle,.nav-toggle-cb{display:none}
@media(max-width:760px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border:1px solid var(--cs-line);border-radius:10px;color:var(--fg-1);background:#fff;cursor:pointer}
  .site-nav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--cs-line);box-shadow:var(--sh-sm);flex-direction:column;align-items:stretch;gap:0;padding:6px 16px 14px;display:none;z-index:70}
  .nav-toggle-cb:checked ~ .site-nav{display:flex}
  .site-nav a{font-size:17px;padding:15px 6px;border-bottom:1px solid var(--cs-line-2)}
  .site-nav .nav-cta{margin:12px 0 0;text-align:center;border-bottom:none;padding:14px}
}

/* Hero */
.hero{text-align:center;padding:48px 0 8px}
.eyebrow{display:inline-block;font-family:var(--font-h);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--cs-green-dark);background:var(--cs-green-light);padding:7px 15px;border-radius:var(--r-pill)}
.hero h1{font-size:clamp(1.9rem,2.5vw+1rem,2.75rem);font-weight:800;margin:18px 0 12px}
.hero p.sub{color:var(--fg-3);font-size:1.125rem;max-width:520px;margin:0 auto;line-height:1.6}

/* Card / wizard */
.card{background:#fff;border:1px solid var(--cs-line);border-radius:var(--r-lg);box-shadow:var(--sh-sm);padding:30px 26px;margin:26px 0}
.progress{height:6px;background:var(--cs-green-bg);border-radius:var(--r-pill);overflow:hidden;margin-bottom:26px}
.progress>i{display:block;height:100%;background:var(--cs-green);border-radius:var(--r-pill);transition:width .4s var(--ease);width:0}
.step-count{font-family:var(--font-h);font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--fg-4);text-align:center;margin-bottom:10px}
.q{font-family:var(--font-h);font-weight:800;font-size:1.6rem;text-align:center;margin-bottom:8px}
.q-help{text-align:center;color:var(--fg-3);font-size:1rem;margin:0 auto 24px;max-width:430px;line-height:1.55}

/* Inputs */
.field{margin:0 auto 8px;max-width:440px}
.input-money,.input-num{position:relative}
.input-money>span{position:absolute;left:20px;top:50%;transform:translateY(-50%);color:var(--fg-4);font-family:var(--font-h);font-weight:700;font-size:24px;pointer-events:none}
input[type=text],input[type=tel],input[type=number]{width:100%;font-family:var(--font-h);font-size:28px;font-weight:700;color:var(--fg-1);text-align:center;padding:18px 18px;border:2px solid var(--cs-line);border-radius:var(--r-sm);background:#fff;outline:none;transition:border-color .15s,box-shadow .15s;-moz-appearance:textfield}
input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.input-money input{padding-left:46px}
input:focus{border-color:var(--cs-green);box-shadow:0 0 0 3px rgba(19,156,108,.18)}
.hint{text-align:center;font-size:.875rem;color:var(--fg-4);margin-top:12px;min-height:18px}
.err{color:#DC2626}

/* Choices */
.choices{display:flex;gap:12px;max-width:440px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.choice{flex:1 1 0;min-width:140px;min-height:48px;border:2px solid var(--cs-line);border-radius:var(--r-sm);background:#fff;padding:18px 16px;font-family:var(--font-h);font-weight:700;font-size:1.0625rem;color:var(--fg-1);cursor:pointer;transition:all .15s var(--ease)}
.choice:hover{border-color:var(--cs-green-border);background:var(--cs-green-pale)}
.choice:active{transform:scale(.97)}
.choice.sel{border-color:var(--cs-green);background:var(--cs-green-pale);color:var(--cs-green-dark)}

/* Stepper / kids */
.kids-list{max-width:440px;margin:0 auto}
.kid-row{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.kid-row label{font-family:var(--font-h);font-weight:700;font-size:13px;color:var(--fg-4);flex:0 0 70px;text-transform:uppercase;letter-spacing:.05em}
.kid-row input{font-size:21px;padding:13px}
.stepper{display:flex;align-items:center;justify-content:center;gap:22px;max-width:440px;margin:0 auto}
.stepper button{width:56px;height:56px;border-radius:50%;border:2px solid var(--cs-line);background:#fff;font-size:26px;font-weight:700;color:var(--cs-green-dark);cursor:pointer;line-height:1;transition:all .15s var(--ease)}
.stepper button:hover{border-color:var(--cs-green);background:var(--cs-green-pale)}
.stepper button:active{transform:scale(.94)}
.stepper .count{font-family:var(--font-h);font-size:42px;font-weight:800;min-width:54px;text-align:center;color:var(--fg-1)}

/* Buttons */
.nav-row{display:flex;gap:12px;max-width:440px;margin:28px auto 0}
.btn{font-family:var(--font-h);font-weight:700;font-size:1.0625rem;min-height:48px;border-radius:var(--r-pill);padding:15px 28px;cursor:pointer;border:2px solid transparent;transition:all .15s var(--ease);display:inline-flex;align-items:center;justify-content:center;gap:8px}
.btn-primary{background:var(--cs-green);color:#fff;flex:1}
.btn-primary:hover{background:var(--cs-green-dark);transform:translateY(-2px);box-shadow:var(--sh-md)}
.btn-primary:active{transform:scale(.97)}
.btn-primary:disabled{opacity:.45;cursor:not-allowed;box-shadow:none;transform:none}
.btn-ghost{background:#fff;color:var(--fg-3);border-color:var(--cs-line);padding:15px 22px}
.btn-ghost:hover{border-color:var(--fg-4);color:var(--fg-1)}
.btn-text{background:none;border:none;color:var(--fg-4);font-weight:600;cursor:pointer;font-size:.875rem;text-decoration:underline;text-underline-offset:3px;font-family:var(--font-b)}

/* ===== RESULT ===== */
.result{display:none}
.result.show{display:block}

/* result panel — the brand's navy->green CTA gradient + faint white glow */
.result-head{position:relative;overflow:hidden;text-align:center;background:var(--grad);border-radius:var(--r-lg);padding:30px 24px 32px;margin:14px 0 22px;box-shadow:var(--sh-lg)}
.result-head::after{content:"";position:absolute;top:0;right:0;width:60%;height:80%;background:radial-gradient(ellipse at top right,rgba(255,255,255,.10),transparent 70%);pointer-events:none}
.result-head .label{position:relative;font-family:var(--font-h);font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.72)}
.result-head .big{position:relative;font-family:var(--font-h);font-weight:800;font-size:clamp(2.5rem,13vw,4rem);letter-spacing:-.03em;color:#fff;line-height:1.02;margin:8px 0 8px;font-variant-numeric:tabular-nums}
.result-head .term{position:relative;font-size:.97rem;color:rgba(255,255,255,.78)}
.result-head .term b{color:#fff;font-weight:700}

/* chart */
.chart-wrap{margin:0 0 4px}
.chart-card{background:#fff;border:1px solid var(--cs-line);border-radius:var(--r);box-shadow:var(--sh-sm);padding:18px 16px 12px}
.chart-title{font-family:var(--font-h);font-weight:700;font-size:1.125rem;text-align:center;margin-bottom:4px}
.chart-sub{font-size:.875rem;color:var(--fg-3);text-align:center;margin:0 auto 8px;max-width:440px;line-height:1.5}
svg.chart{width:100%;height:auto;display:block;touch-action:pan-y}
.legend{display:flex;flex-wrap:wrap;gap:7px 16px;justify-content:center;margin-top:10px;font-family:var(--font-h);font-size:12px;color:var(--fg-3);font-weight:600}
.legend span{display:inline-flex;align-items:center;gap:6px}
.legend .sw{height:11px;width:11px;border-radius:3px;display:inline-block}
.legend .sw-inc{background:#0E7A54}
.legend .sw-mort{background:#3FB78C}
.legend .sw-fam{background:#C8E9DB;box-shadow:inset 0 0 0 1px #A7D8C4}

/* sliders */
.sliders{margin:20px 0}
.slider-row{margin-bottom:20px}
.slider-row .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.slider-row .top label{font-family:var(--font-h);font-weight:700;font-size:.95rem;color:var(--fg-1)}
.slider-row .top .val{font-family:var(--font-h);font-weight:700;color:var(--cs-green-dark);font-size:1.0625rem}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:var(--r-pill);background:var(--cs-green-bg);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--cs-green);cursor:pointer;border:4px solid #fff;box-shadow:0 1px 5px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:var(--cs-green);cursor:pointer;border:4px solid #fff}

/* tiers */
.tiers{display:grid;grid-template-columns:1fr;gap:12px;margin:20px 0}
@media(min-width:560px){.tiers-2{grid-template-columns:1fr 1fr}.tiers-3{grid-template-columns:1fr 1fr 1fr}}
.tier{position:relative;border:2px solid var(--cs-line);border-radius:var(--r);padding:18px 16px;cursor:pointer;transition:all .15s var(--ease);background:#fff;text-align:center}
.tier:hover{border-color:var(--cs-green-border);box-shadow:var(--sh-md);transform:translateY(-2px)}
.tier:active{transform:scale(.99)}
.tier.sel{border-color:var(--cs-green);background:var(--cs-green-pale)}
.tier .name{font-family:var(--font-h);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--fg-4)}
.tier.sel .name{color:var(--cs-green-dark)}
.tier .amt{font-family:var(--font-h);font-weight:800;font-size:1.875rem;color:var(--fg-1);margin:6px 0 4px;letter-spacing:-.02em}
.tier.sel .amt{color:var(--cs-green-dark)}
.tier .desc{font-size:.8rem;color:var(--fg-3);line-height:1.4}
.tier .tag{position:absolute;top:-11px;left:50%;transform:translateX(-50%);background:var(--cs-green);color:#fff;font-family:var(--font-h);font-size:10px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:4px 12px;border-radius:var(--r-pill);white-space:nowrap}
.single-note{text-align:center;color:var(--fg-2);font-size:.95rem;padding:16px;background:var(--cs-green-bg);border-radius:var(--r-sm)}
.cap-note{grid-column:1/-1;text-align:center;font-size:.8rem;color:#8a5a08;background:var(--cs-amber-wash);border-radius:var(--r-sm);padding:9px 14px;margin-top:2px}

/* breakdown */
.breakdown{border:1px solid var(--cs-line);border-radius:var(--r);overflow:hidden;margin:20px 0;background:#fff}
.breakdown .row{display:flex;justify-content:space-between;align-items:center;padding:13px 18px;font-size:.95rem;border-bottom:1px solid var(--cs-line-2)}
.breakdown .row:last-child{border-bottom:none}
.breakdown .row .v{font-family:var(--font-h);font-weight:700;font-variant-numeric:tabular-nums;color:var(--fg-1)}
.breakdown .row.minus .v{color:var(--cs-green-dark)}
.breakdown .row.total{background:var(--cs-green-bg)}
.breakdown .row.total span:first-child{font-family:var(--font-h);font-weight:800;color:var(--fg-1)}
.breakdown .row.total .v{font-weight:800;font-size:1.0625rem}

/* drawer */
details.drawer{border:1px solid var(--cs-line);border-radius:var(--r-sm);margin:16px 0;background:#fff}
details.drawer>summary{cursor:pointer;padding:15px 18px;font-family:var(--font-h);font-weight:700;font-size:.95rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
details.drawer>summary::-webkit-details-marker{display:none}
details.drawer>summary .chev{transition:transform .2s;color:var(--fg-4)}
details.drawer[open]>summary .chev{transform:rotate(180deg)}
.drawer-body{padding:4px 18px 18px;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.a-field{display:flex;flex-direction:column;gap:4px}
.a-field label{font-family:var(--font-h);font-size:12px;color:var(--fg-4);font-weight:700}
.a-field input{font-size:16px;padding:10px;text-align:left;font-family:var(--font-h);font-weight:600}
.drawer-note{grid-column:1/-1;font-size:12px;color:var(--fg-4);line-height:1.5}

/* CTA — brand gradient panel, white button */
.cta-card{position:relative;overflow:hidden;background:var(--grad);border-radius:var(--r-lg);padding:28px 24px;text-align:center;margin:24px 0;box-shadow:var(--sh-lg)}
.cta-card::after{content:"";position:absolute;top:0;right:0;width:60%;height:80%;background:radial-gradient(ellipse at top right,rgba(255,255,255,.10),transparent 70%);pointer-events:none}
.cta-card h3{position:relative;font-family:var(--font-h);font-weight:800;font-size:1.4rem;color:#fff;margin-bottom:8px}
.cta-card p{position:relative;color:rgba(255,255,255,.82);font-size:.95rem;margin:0 auto 18px;max-width:420px;line-height:1.5}
.cta-card .btn-primary{position:relative;flex:none;width:100%;max-width:380px;background:#fff;color:var(--cs-green-dark);font-size:1.0625rem;padding:17px}
.cta-card .btn-primary:hover{background:var(--cs-green-light);color:var(--cs-green-dark);transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.18)}
.localhost-note{display:none;position:relative;background:rgba(255,255,255,.1);color:#EAF2EE;border:1px solid rgba(255,255,255,.2);border-radius:var(--r-sm);padding:12px 14px;font-size:13px;margin:14px auto 0;max-width:460px;text-align:left}
#quoter-mount{margin-top:18px}
.widget-card{background:#fff;border-radius:var(--r-sm)}
iframe.strife-frame{display:block!important;width:100%!important;border:0!important}

/* low-need / covered */
.covered{position:relative;background:var(--cs-green-bg);border:1px solid var(--cs-green-border);border-radius:var(--r-lg);padding:30px 24px;text-align:center;margin:18px 0;box-shadow:var(--sh-sm)}
.covered .ico{width:60px;height:60px;border-radius:50%;background:var(--cs-green);color:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.covered h3{font-family:var(--font-h);font-weight:800;font-size:1.5rem;margin-bottom:10px}
.covered p{color:var(--fg-3);font-size:1rem;max-width:440px;margin:0 auto 16px;line-height:1.55}
.result-foot{font-size:12px;color:var(--fg-4);line-height:1.55;margin:16px 4px 0}
.restart{text-align:center;margin:22px 0}

/* footer — matches coversavvy.com site footer */
.site-footer-full{background:var(--cs-navy);color:#fff;margin-top:52px;padding:40px 0 26px;font-family:var(--font-b)}
.site-footer-full .ft-wrap{max-width:1080px;margin:0 auto;padding:0 22px}
.ft-top{display:grid;grid-template-columns:1.62fr 1fr;gap:34px}
.ft-logo{height:40px;width:auto;margin:0 0 16px;display:block}
.ft-brand p{color:#fff;font-size:14px;line-height:1.6;margin:0 0 10px;max-width:470px}
.ft-nav{display:grid;grid-template-columns:1fr 1fr;gap:2px 20px;align-content:start}
.ft-nav a{color:var(--cs-green);font-family:var(--font-h);font-weight:600;font-size:15px;padding:8px 0;text-decoration:none;transition:color .15s var(--ease)}
.ft-nav a:hover{color:#fff;text-decoration:underline;text-underline-offset:2px}
.ft-divider{border:none;border-top:1px solid #6087D8;opacity:.45;margin:28px 0 18px}
.ft-mid p{color:#6087D8;font-size:12.5px;line-height:1.6;margin:0 0 12px}
.ft-mid .ft-calc-disc{color:rgba(255,255,255,.5)}
.ft-mid .ft-calc-disc a{color:#fff;text-decoration:underline}
.ft-bottom{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-top:8px}
.ft-bottom p{color:#888;font-size:13px;margin:0}
.ft-social{display:flex;gap:14px;align-items:center}
.ft-social a{color:#888;display:inline-flex;transition:color .2s}
.ft-social a:hover{color:#fff}
@media(max-width:760px){.ft-top{grid-template-columns:1fr;gap:24px}.ft-nav{gap:0 20px}}

/* ===== desktop two-column ===== */
.result-grid{display:block}
@media(min-width:900px){
  .wrap{max-width:1080px}
  #wizard{max-width:620px;margin-left:auto;margin-right:auto}
  .content{max-width:720px;margin-left:auto;margin-right:auto}
  .result-head{margin-bottom:10px;padding:36px 28px 38px}
  .result-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:34px;align-items:start}
  .result-col-main,.result-col-side{min-width:0}
  .chart-card{padding:22px 20px 14px}
}

/* ===== SEO content ===== */
.content{max-width:680px;margin:14px auto 0;padding:0 20px}
.content>section{margin:38px 0}
.content h2{font-family:var(--font-h);font-weight:800;font-size:1.6rem;margin-bottom:14px}
.content p{color:var(--fg-2);margin:0 0 13px;line-height:1.65;font-size:1.0625rem}
.steps{display:grid;gap:14px;margin:16px 0}
.step{display:flex;gap:14px;align-items:flex-start;background:var(--cs-green-bg);border-radius:var(--r);padding:18px}
.step .num{flex:0 0 30px;height:30px;border-radius:50%;background:var(--cs-green);color:#fff;font-family:var(--font-h);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:14px}
.faq details{border-bottom:1px solid var(--cs-line);padding:16px 2px}
.faq summary{font-family:var(--font-h);font-weight:700;cursor:pointer;list-style:none;font-size:1.0625rem}
.faq summary::-webkit-details-marker{display:none}
.faq details[open] summary{color:var(--cs-green-dark)}
.faq details p{margin-top:10px;font-size:1rem;color:var(--fg-3)}
.ilinks{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.ilinks a{background:#fff;border:1px solid var(--cs-line);color:var(--fg-1);border-radius:var(--r-pill);padding:10px 18px;font-family:var(--font-h);font-weight:700;font-size:14px;transition:all .15s var(--ease)}
.ilinks a:hover{border-color:var(--cs-green-border);color:var(--cs-green-dark)}