/* ==========================================================
   components.css — Asurgo
   Reusable UI components. Import after global.css.
   ========================================================== */

/* ============================
   NAVIGATION
   ============================ */

/* Desktop: full visible horizontal nav. No hamburger. */
/* Mobile: drawer + sticky bottom bar. */

.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: background var(--transition-base), border-color var(--transition-base);
  border-bottom: 1px solid transparent;
}
.site-header.scrolled {
  background: var(--color-white);
  border-bottom-color: var(--color-secondary-tan);
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--side-padding);
}

.nav-logo img { height: 36px; display: block; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}

.nav-links a {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 600;
  color: var(--color-dark);
  transition: color var(--transition-fast);
  letter-spacing: 0.2px;
}
.nav-links a:hover { color: var(--color-orange); }

.nav-phone {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 600;
  color: var(--color-blue);
}

.nav-links .nav-cta,
.nav-cta {
  background: var(--color-orange);
  color: var(--color-white);
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 700;
  transition: background var(--transition-fast);
  min-height: 48px;
  display: inline-flex;
  align-items: center;
}
.nav-links .nav-cta:hover,
.nav-cta:hover { background: var(--color-orange-hover); }
.nav-links .nav-cta:focus-visible,
.nav-cta:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

/* Focus styles for nav links */
.nav-links a:focus-visible,
.nav-drawer a:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
  border-radius: 2px;
}

/* Dropdown nav */
.nav-has-dropdown {
  position: relative;
}
.nav-has-dropdown > a {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-chevron {
  font-size: 10px;
  transition: transform var(--transition-fast);
  display: inline-block;
}
.nav-has-dropdown:hover .nav-chevron,
.nav-has-dropdown:focus-within .nav-chevron {
  transform: rotate(180deg);
}
.nav-dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-white);
  border: 1px solid var(--color-secondary-tan);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 32px rgba(0,0,0,0.10);
  min-width: 220px;
  list-style: none;
  padding: 12px 0 8px;
  z-index: 200;
}
.nav-has-dropdown:hover .nav-dropdown,
.nav-has-dropdown:focus-within .nav-dropdown {
  display: block;
}
.nav-dropdown li a {
  display: block;
  padding: 10px 20px;
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 500;
  color: var(--color-dark);
  transition: background var(--transition-fast), color var(--transition-fast);
  white-space: nowrap;
}
.nav-dropdown li a:hover {
  background: var(--color-tan);
  color: var(--color-blue);
}
.nav-dropdown li:first-child a {
  font-weight: 700;
  color: var(--color-blue);
  border-bottom: 1px solid var(--color-secondary-tan);
  margin-bottom: 4px;
}

/* Mobile hamburger toggle - hidden on desktop */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px;
  min-width: 48px;
  min-height: 48px;
  align-items: center;
  border-radius: var(--radius-sm);
  transition: background var(--transition-fast);
}
.nav-toggle:hover { background: var(--color-tan); }
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-blue);
  border-radius: 2px;
  transform-origin: center;
  transition: transform 0.28s ease, opacity 0.2s ease, width 0.28s ease;
}
/* Middle bar shortens on hover for visual polish */
.nav-toggle:hover span:nth-child(2) { width: 18px; }
/* Animate to × when open */
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; width: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.45);
  z-index: 1998;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}
.nav-overlay.open { opacity: 1; pointer-events: all; }

.nav-drawer {
  position: fixed;
  top: 0; right: -320px;
  width: 300px;
  height: 100vh;
  background: var(--color-white);
  z-index: 1999;
  transition: right 0.32s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  box-shadow: -8px 0 32px rgba(0,0,0,0.14);
  overflow: hidden;
}
.nav-drawer.open { right: 0; }

/* Drawer header row */
.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 20px 16px;
  border-bottom: 1px solid var(--color-tan);
  flex-shrink: 0;
}
.drawer-logo img { height: 28px; display: block; }

.nav-drawer-close {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--color-tan);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  color: var(--color-blue);
  transition: background var(--transition-fast);
  flex-shrink: 0;
}
.nav-drawer-close:hover { background: var(--color-secondary-tan); }
.nav-drawer-close svg { width: 16px; height: 16px; stroke: var(--color-blue); }
.nav-drawer-close:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

/* Drawer scrollable link area */
.drawer-links {
  flex: 1;
  overflow-y: auto;
  padding: 8px 0;
}

.drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 600;
  color: var(--color-dark);
  border-bottom: 1px solid var(--color-tan);
  transition: background var(--transition-fast), color var(--transition-fast);
  text-decoration: none;
}
.drawer-link:hover { background: var(--color-tan); color: var(--color-blue); }
.drawer-link:last-child { border-bottom: none; }

/* Life Insurance accordion in drawer */
.drawer-accordion { border-bottom: 1px solid var(--color-tan); }
.drawer-accordion summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 600;
  color: var(--color-dark);
  cursor: pointer;
  list-style: none;
  transition: background var(--transition-fast), color var(--transition-fast);
}
.drawer-accordion summary::-webkit-details-marker { display: none; }
.drawer-accordion summary:hover { background: var(--color-tan); color: var(--color-blue); }
.drawer-accordion[open] summary { color: var(--color-blue); background: var(--color-tan); }
.drawer-chevron {
  font-size: 11px;
  transition: transform 0.25s ease;
  display: inline-block;
  color: var(--color-orange);
}
.drawer-accordion[open] .drawer-chevron { transform: rotate(180deg); }

.drawer-sub { background: rgba(240,235,225,0.5); }
.drawer-sub-link {
  display: block;
  padding: 11px 24px 11px 36px;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 500;
  color: var(--color-dark);
  border-bottom: 1px solid rgba(204,198,187,0.4);
  transition: background var(--transition-fast), color var(--transition-fast);
  text-decoration: none;
}
.drawer-sub-link:hover { color: var(--color-blue); background: var(--color-tan); }
.drawer-sub-link:last-child { border-bottom: none; }
.drawer-sub-link.drawer-sub-link--all {
  font-weight: 700;
  color: var(--color-blue);
}

/* Drawer footer CTA area */
.drawer-footer {
  padding: 16px 20px 24px;
  border-top: 1px solid var(--color-tan);
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex-shrink: 0;
}
.drawer-phone {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px;
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  color: var(--color-blue);
  border: 2px solid var(--color-blue);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: background var(--transition-fast);
}
.drawer-phone:hover { background: var(--color-light); }
.drawer-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px;
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  color: var(--color-white);
  background: var(--color-orange);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: background var(--transition-fast);
  min-height: 48px;
}
.drawer-cta:hover { background: var(--color-orange-hover); }

/* Sticky mobile bottom bar */
.mob-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--color-blue);
  padding: 10px 16px;
  gap: 10px;
  align-items: center;
  justify-content: center;
}
.mob-bar a {
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 600;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  text-align: center;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
}
.mob-bar .mob-bar__phone { border: 1px solid rgba(255,255,255,0.25); }
.mob-bar .mob-bar__cta   { background: var(--color-orange); flex: 1; }

/* ============================
   FOOTER
   ============================ */

.site-footer {
  background: var(--color-blue);
  color: var(--color-white);
  padding: 64px 0 32px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand img { height: 32px; margin-bottom: 16px; filter: brightness(0) invert(1); }
.footer-brand p {
  font-size: var(--text-body-sm);
  line-height: 1.6;
  color: rgba(255,255,255,0.7);
  margin-bottom: 12px;
}
.footer-phone {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--color-white);
  font-size: var(--text-body);
}

.footer-col h4 {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.footer-col a {
  display: block;
  font-size: var(--text-body-sm);
  color: rgba(255,255,255,0.8);
  margin-bottom: 10px;
  transition: color var(--transition-fast);
}
.footer-col a:hover { color: var(--color-white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: var(--text-caption);
  color: rgba(255,255,255,0.5);
  margin: 0;
}
.footer-bottom a {
  font-size: var(--text-caption);
  color: rgba(255,255,255,0.5);
  margin-left: 16px;
}
.footer-bottom a:hover { color: var(--color-white); }

.footer-disclosure {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  margin-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 16px;
}

/* ============================
   BUTTONS
   ============================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: var(--text-body-sm);
  border-radius: var(--radius-sm);
  padding: 14px 28px;
  min-height: 48px;
  min-width: 48px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  line-height: 1;
}
.btn:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

.btn--primary {
  background: var(--color-orange);
  color: var(--color-white);
  box-shadow: var(--shadow-button);
}
.btn--primary:hover {
  background: var(--color-orange-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-button-orange);
}

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

.btn--lg { padding: 18px 36px; font-size: var(--text-body); }
.btn--full { width: 100%; }

/* ============================
   CARDS
   ============================ */

.card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-2px);
}

.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
@media (min-width: 481px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .card-grid { grid-template-columns: repeat(3, 1fr); } }

/* ============================
   TRUST BADGE BAR
   ============================ */

.trust-bar {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 600;
  color: var(--color-blue);
  white-space: nowrap;
}
.trust-bar__item svg, .trust-bar__item .icon {
  width: 18px;
  height: 18px;
  color: var(--color-orange);
  flex-shrink: 0;
}

/* ============================
   QUICK LINKS ANCHOR NAV
   ============================ */

.quick-links {
  background: var(--color-white);
  border-bottom: 1px solid var(--color-secondary-tan);
  padding: 12px 0;
  position: sticky;
  top: 68px;
  z-index: 100;
}
.quick-links__inner {
  display: flex;
  align-items: center;
  gap: 8px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding: 0 var(--side-padding);
  max-width: var(--max-width);
  margin: 0 auto;
}
.quick-links__inner::-webkit-scrollbar { display: none; }

.quick-links__label {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 700;
  color: var(--color-dark);
  opacity: 0.5;
  text-transform: uppercase;
  letter-spacing: 1px;
  white-space: nowrap;
  flex-shrink: 0;
  margin-right: 4px;
}
.quick-links a {
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 600;
  color: var(--color-blue);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  border: 1px solid var(--color-secondary-tan);
  white-space: nowrap;
  flex-shrink: 0;
  transition: all var(--transition-fast);
}
.quick-links a:hover {
  background: var(--color-blue);
  color: var(--color-white);
  border-color: var(--color-blue);
}

/* ============================
   KEY TAKEAWAYS BOX
   ============================ */

.key-takeaways {
  background: var(--color-tan);
  border-left: 4px solid var(--color-blue);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 28px 32px;
  margin: 32px 0;
}
.key-takeaways__label {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--color-blue);
  margin-bottom: 16px;
}
.key-takeaways ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.key-takeaways li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  line-height: 1.5;
}
.key-takeaways li::before {
  content: '';
  width: 8px;
  height: 8px;
  min-width: 8px;
  background: var(--color-orange);
  border-radius: 50%;
  margin-top: 7px;
}

/* ============================
   DATA / COMPARISON TABLES
   ============================ */

.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: var(--radius-md);
  margin: 24px 0;
}
.table-wrap::before {
  content: 'Swipe to see more';
  display: none;
  font-size: 12px;
  color: var(--color-dark);
  opacity: 0.5;
  padding: 0 0 8px;
}
@media (max-width: 768px) { .table-wrap::before { display: block; } }

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: var(--text-body-sm);
  min-width: 520px;
}
.data-table th {
  background: var(--color-blue);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 700;
  padding: 14px 20px;
  text-align: left;
  font-size: var(--text-caption);
  letter-spacing: 0.5px;
}
.data-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.data-table th:last-child  { border-radius: 0 var(--radius-sm) 0 0; }
.data-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--color-secondary-tan);
  color: var(--color-dark);
  line-height: 1.5;
}
.data-table tr:nth-child(even) td { background: var(--color-tan); }
.data-table tr:last-child td { border-bottom: none; }
.data-table td:first-child { font-weight: 600; color: var(--color-blue); }

/* ============================
   FAQ ACCORDION
   ============================ */

/* Uses native details/summary - no JS needed */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 24px 0;
}

.faq-item {
  background: var(--color-white);
  border: 1px solid var(--color-secondary-tan);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  font-family: var(--font-heading);
  font-size: var(--text-body-sm);
  font-weight: 600;
  color: var(--color-blue);
  list-style: none;
  min-height: 48px;
  transition: background var(--transition-fast);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { background: var(--color-tan); }
.faq-item summary:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: -3px;
}

.faq-item summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--color-orange);
  flex-shrink: 0;
  transition: transform var(--transition-base);
}
.faq-item[open] summary::after {
  content: '+';
  transform: rotate(45deg);
}

.faq-answer {
  padding: 0 24px 20px;
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  line-height: 1.7;
}
.faq-answer p:not(:last-child) { margin-bottom: 12px; }

/* ============================
   LEAD CAPTURE FORM
   ============================ */

.lead-form {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-card);
}

.lead-form__title {
  font-family: var(--font-heading);
  font-size: var(--text-h3);
  color: var(--color-blue);
  margin-bottom: 8px;
}
.lead-form__sub {
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  opacity: 0.7;
  margin-bottom: 28px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
@media (max-width: 768px) { .form-row { grid-template-columns: 1fr; } }

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}
.form-group label {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 600;
  color: var(--color-dark);
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 13px 16px;
  border: 1px solid var(--color-secondary-tan);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  background: var(--color-white);
  transition: border-color var(--transition-fast);
  min-height: 48px;
  appearance: none;
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-blue);
  box-shadow: 0 0 0 3px var(--color-focus);
}

.form-success {
  display: none;
  background: var(--color-light);
  border: 1px solid var(--color-secondary-blue);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  color: var(--color-blue);
  font-weight: 600;
}
.form-error {
  display: none;
  color: var(--color-error);
  font-size: var(--text-body-sm);
  margin-top: 12px;
  text-align: center;
}

/* ============================
   TESTIMONIAL BLOCK
   ============================ */

.testimonial {
  background: var(--color-tan);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.testimonial__quote {
  font-family: var(--font-accent);
  font-style: italic;
  font-size: var(--text-body);
  color: var(--color-dark);
  line-height: 1.7;
  margin-bottom: 20px;
}
.testimonial__quote::before { content: '\201C'; }
.testimonial__quote::after  { content: '\201D'; }

.testimonial__author {
  font-family: var(--font-heading);
  font-size: var(--text-caption);
  font-weight: 700;
  color: var(--color-blue);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* ============================
   EXPERT CALLOUT BOX
   ============================ */

.expert-callout {
  background: var(--color-light);
  border-left: 4px solid var(--color-secondary-blue);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 28px 32px;
  margin: 32px 0;
}
.expert-callout__label {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--color-blue);
  opacity: 0.6;
  margin-bottom: 8px;
}
.expert-callout__question {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: var(--text-body-sm);
  color: var(--color-blue);
  margin-bottom: 12px;
}
.expert-callout__answer {
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  line-height: 1.7;
}

/* ============================
   INLINE CTA BAND
   ============================ */

.cta-band {
  background: var(--color-tan);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin: 48px 0;
  flex-wrap: wrap;
}
.cta-band__text h3 {
  font-family: var(--font-heading);
  font-size: var(--text-h3);
  color: var(--color-blue);
  margin-bottom: 8px;
}
.cta-band__text p {
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  opacity: 0.8;
  margin: 0;
}

/* ============================
   PROCESS STEPS (3-step how it works)
   ============================ */

.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  position: relative;
}
@media (min-width: 481px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .steps { grid-template-columns: repeat(3, 1fr); } }

.step {
  text-align: center;
  padding: 32px 24px;
}
.step__number {
  width: 48px;
  height: 48px;
  background: var(--color-orange);
  color: var(--color-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: var(--text-body);
  margin: 0 auto 20px;
}
.step h3 {
  font-size: var(--text-body);
  color: var(--color-blue);
  margin-bottom: 8px;
}
.step p {
  font-size: var(--text-body-sm);
  color: var(--color-dark);
  opacity: 0.8;
  margin: 0;
}

/* ============================
   RESPONSIVE OVERRIDES
   ============================ */

@media (max-width: 1024px) {
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  /* Show mobile nav toggle, hide desktop links */
  .nav-toggle { display: flex; }
  .nav-links, .nav-phone { display: none; }
  /* Show sticky bottom bar */
  .mob-bar { display: flex; }
  /* Footer single column */
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  /* CTA band stacks */
  .cta-band { flex-direction: column; align-items: flex-start; }
  /* Cards */
  .card-grid { grid-template-columns: 1fr; }
}