/* ============================================================
   Shared stylesheet — hand-coded, no framework/builder.
   Used by indie-healthcare.com, ctx-partners.com, ctx-enroll.com
   Class names match the real production indie-healthcare markup.
   ============================================================ */

/* Matches the type system live on indie-healthcare.com: Archivo for
   body/nav copy, Archivo Black for headlines/logo. */
@import url('https://fonts.googleapis.com/css2?family=Archivo+Black&family=Archivo:wght@400;500;600;700;800&display=swap');

:root {
  --black: #0e0e0d;
  --off-white: #f2efe6;
  --yellow: #f5d033;
  --yellow-dark: #e0b900;
  --yellow-light: #fdf1c7;
  --text: #1a1a17;
  --text-muted: #5c6b6f;
  --white: #ffffff;
  --gray-light: #e4e9e7;
  --radius: 12px;
  --shadow: 0 12px 30px rgba(14, 14, 13, 0.08);
  --max: 1140px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Archivo", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: var(--yellow-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 {
  font-family: "Archivo Black", "Archivo", sans-serif;
  color: var(--black); line-height: 1.2; margin: 0 0 .5em; font-weight: 800;
}
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .08em;
  text-transform: uppercase; color: var(--yellow-dark); background: var(--yellow-light);
  padding: 6px 14px; border-radius: 999px; margin-bottom: 14px;
}
.eyebrow.on-dark { background: rgba(255,255,255,.14); color: var(--yellow-dark); }
.lede { font-size: 1.12rem; color: var(--text-muted); }
em { color: var(--yellow-dark); font-style: normal; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: 999px; font-weight: 800; font-size: .96rem;
  border: 2px solid transparent; cursor: pointer; text-decoration: none;
  transition: transform .15s ease, background .15s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--yellow); color: var(--black); }
.btn-primary:hover { background: var(--yellow-dark); }
.btn-outline { background: transparent; border-color: rgba(255,255,255,.5); color: #fff; }
.btn-outline:hover { border-color: #fff; }
.btn-dark { background: var(--black); color: #fff; }
.btn-dark:hover { background: #000; }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 18px; font-size: .85rem; }
.btn:disabled { opacity: .6; cursor: not-allowed; transform: none; }

/* Contact bar */
.contact-bar { background: var(--black); color: rgba(255,255,255,.75); font-size: .82rem; }
.contact-bar .wrap { display: flex; align-items: center; justify-content: center; gap: 10px; padding: 8px 24px; flex-wrap: wrap; }
.contact-bar a { color: var(--yellow); font-weight: 700; }
.contact-bar .sep { opacity: .4; }

/* Header / nav */
.site-header { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--gray-light); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.logo { display: flex; align-items: center; gap: 10px; font-family: "Archivo Black", sans-serif; font-weight: 400; font-size: 1.15rem; color: var(--black); }
.logo:hover { text-decoration: none; }
.logo-badge {
  height: 30px; width: auto; object-fit: contain; display: block;
}
.logo-badge--invert { filter: brightness(0) invert(1); }
.logo-text span { color: var(--yellow-dark); }
.nav-links { display: flex; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--black); font-weight: 700; font-size: .92rem; }
.nav-links a:hover { color: var(--yellow-dark); text-decoration: none; }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; background: none; border: 1px solid var(--gray-light); border-radius: 8px; padding: 8px 14px; font-weight: 700; cursor: pointer; }
.nav.open .nav-links { display: flex; }

/* Hero */
.hero { background: var(--black); padding: 72px 0; color: #fff; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 52px; align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); }
.hero .lede { color: rgba(255,255,255,.82); max-width: 46ch; margin-bottom: 26px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stat-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius); padding: 30px; backdrop-filter: blur(6px); }
.hero-stat-card .price { font-size: 2.6rem; font-weight: 800; color: #fff; margin: 6px 0 18px; }
.hero-stat-card .price small { font-size: 1rem; font-weight: 500; color: rgba(255,255,255,.7); }
.hero-stat-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.14); font-size: .92rem; color: rgba(255,255,255,.85); }
.hero-stat-row:first-of-type { border-top: none; }
.hero-stat-row b { color: #fff; }

/* Sections */
.section-cream { background: var(--off-white); padding: 84px 0; }
.section-white { background: #fff; padding: 84px 0; }
.section-head { max-width: 640px; margin: 0 auto 44px; text-align: center; }
.section-head p { color: var(--text-muted); font-size: 1.03rem; }

/* Who-we-serve */
.audience-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.audience-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 26px 22px; }
.audience-card .tag { display: inline-block; font-weight: 800; font-size: .82rem; letter-spacing: .03em; text-transform: uppercase; color: var(--yellow-dark); margin-bottom: 10px; }
.audience-card p { margin: 0; font-size: .92rem; color: var(--text-muted); }

/* Plans */
.plans-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; align-items: stretch; }
.plan-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 30px 26px; display: flex; flex-direction: column; position: relative; }
.plan-card.featured { border-color: var(--yellow-dark); box-shadow: var(--shadow); }
.plan-badge {
  position: absolute; top: -13px; left: 26px; background: var(--yellow); color: var(--black);
  font-size: .7rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 999px;
}
.plan-card h3 { font-size: 1.15rem; margin-bottom: 4px; }
.plan-sub { color: var(--text-muted); font-size: .88rem; margin-bottom: 16px; }
.plan-price { font-size: 2rem; font-weight: 800; color: var(--black); }
.plan-price small { font-size: .9rem; font-weight: 500; color: var(--text-muted); }
.plan-note { font-size: .78rem; color: var(--text-muted); margin-bottom: 18px; }
.plan-list { list-style: none; margin: 0 0 18px; padding: 0; flex-grow: 1; }
.plan-list li { display: flex; justify-content: space-between; gap: 10px; padding: 8px 0; font-size: .88rem; border-top: 1px solid var(--gray-light); }
.plan-list li:first-child { border-top: none; }
.plan-list li b { color: var(--black); text-align: right; }
.plan-links { display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: .8rem; margin-bottom: 16px; }
.plan-tiers { margin-top: 18px; padding-top: 14px; border-top: 1px solid var(--gray-light); }
.plan-tiers table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.plan-tiers td { padding: 6px 0; border-bottom: 1px dashed var(--gray-light); }
.plan-tiers td:last-child { text-align: right; font-weight: 700; color: var(--black); }
.quote-actions { display: flex; gap: 10px; margin-top: 8px; }
.quote-actions .btn { flex: 1; }

/* Plan documents */
.docs-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 18px; }
.doc-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 24px 22px; display: flex; flex-direction: column; }
.doc-card .tag { display: inline-block; font-weight: 800; font-size: .78rem; letter-spacing: .03em; text-transform: uppercase; color: var(--yellow-dark); margin-bottom: 8px; }
.doc-card h3 { font-size: 1rem; margin-bottom: 8px; }
.doc-card p { margin: 0 0 16px; font-size: .86rem; color: var(--text-muted); flex-grow: 1; }
.doc-link { font-weight: 700; font-size: .88rem; }
.doc-card-links { display: flex; flex-direction: column; gap: 6px; }

/* Document viewer pages (/documents/*.html) */
.doc-page-header { background: var(--off-white); padding: 52px 0 36px; }
.doc-page-header .wrap { max-width: 880px; }
.doc-page-header h1 { font-size: 1.8rem; margin-bottom: 10px; }
.doc-page-header p.lede { font-size: 1rem; margin-bottom: 24px; }
.doc-actions { display: flex; flex-wrap: wrap; gap: 12px; }
@media (max-width: 720px) {
  .doc-page-header { padding: 40px 0 28px; }
}

/* Document content pages — scraped/formatted PDF content, styled to the
   site's design system instead of an embedded PDF viewer. */
.doc-content { background: #fff; padding: 8px 0 84px; }
.doc-content .wrap { max-width: 880px; }
.doc-jump { display: flex; flex-wrap: wrap; gap: 8px; margin: 28px 0 0; }
.doc-jump a {
  background: var(--off-white); color: var(--text); font-weight: 700; font-size: .82rem;
  padding: 8px 14px; border-radius: 999px; border: 1px solid var(--gray-light);
}
.doc-jump a:hover { border-color: var(--yellow-dark); text-decoration: none; }
.doc-section { padding: 44px 0 0; border-top: 1px solid var(--gray-light); margin-top: 44px; }
.doc-section:first-of-type { border-top: none; margin-top: 28px; padding-top: 0; }
.doc-section h2 { font-size: 1.4rem; margin-bottom: 6px; }
.doc-section h3 { font-size: 1.05rem; margin: 28px 0 10px; }
.doc-section > p.section-intro { color: var(--text-muted); margin-bottom: 20px; max-width: 70ch; }

.key-facts-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 14px; margin: 18px 0 8px; }
.key-fact-card { background: var(--off-white); border-radius: var(--radius); padding: 18px 20px; }
.key-fact-card .kf-label { font-size: .76rem; text-transform: uppercase; letter-spacing: .03em; color: var(--text-muted); font-weight: 700; margin-bottom: 6px; }
.key-fact-card .kf-value { font-size: 1.3rem; font-weight: 800; color: var(--black); line-height: 1.25; }
.key-fact-card .kf-note { font-size: .8rem; color: var(--text-muted); margin-top: 6px; }

.doc-table { width: 100%; min-width: 460px; border-collapse: collapse; font-size: .88rem; }
.doc-table caption { text-align: left; font-weight: 800; color: var(--black); padding-bottom: 8px; font-size: .95rem; }
.doc-table th { text-align: left; font-size: .7rem; text-transform: uppercase; letter-spacing: .03em; color: var(--text-muted); padding: 0 14px 10px 0; border-bottom: 1px solid var(--gray-light); white-space: nowrap; }
.doc-table th:not(:first-child), .doc-table td:not(:first-child) { text-align: center; }
.doc-table td { padding: 11px 14px 11px 0; border-bottom: 1px dashed var(--gray-light); vertical-align: top; }
.doc-table td:first-child { font-weight: 700; color: var(--black); white-space: normal; }
.doc-table tbody tr:last-child td { border-bottom: none; }
.doc-table .muted { color: var(--text-muted); font-weight: 400; }
.doc-table-wrap { margin: 16px 0 28px; }

.tier-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 10px; margin: 16px 0 8px; }
.tier-pill { border-radius: var(--radius); padding: 14px 16px; text-align: center; border: 1px solid var(--gray-light); background: var(--off-white); }
.tier-pill .tp-num { font-size: .72rem; text-transform: uppercase; letter-spacing: .04em; color: var(--text-muted); font-weight: 700; }
.tier-pill .tp-amt { font-size: 1.3rem; font-weight: 800; color: var(--black); margin-top: 2px; }
.tier-pill.t1 { background: var(--yellow-light); border-color: var(--yellow); }

.exclusions-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 4px 24px; list-style: none; margin: 16px 0 0; padding: 0; }
.exclusions-grid li { position: relative; padding: 7px 0 7px 24px; font-size: .9rem; color: var(--text); border-bottom: 1px dashed var(--gray-light); }
.exclusions-grid li::before { content: "×"; position: absolute; left: 0; top: 6px; color: #b23b2e; font-weight: 800; }
.limitations-list { margin: 10px 0 0; padding: 0; list-style: none; }
.limitations-list li { position: relative; padding: 7px 0 7px 24px; font-size: .9rem; color: var(--text); }
.limitations-list li::before { content: "!"; position: absolute; left: 2px; top: 6px; color: var(--yellow-dark); font-weight: 800; }

.coverage-example-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; margin: 18px 0 0; }
.coverage-example-card { background: var(--off-white); border-radius: var(--radius); padding: 20px 22px; }
.coverage-example-card h4 { font-size: .95rem; margin-bottom: 4px; }
.coverage-example-card .ce-sub { font-size: .78rem; color: var(--text-muted); margin-bottom: 14px; }
.coverage-example-card .ce-total { font-size: 1rem; font-weight: 800; color: var(--black); margin: 10px 0; }
.coverage-example-card ul { list-style: none; margin: 0 0 12px; padding: 0; }
.coverage-example-card ul li { display: flex; justify-content: space-between; font-size: .84rem; padding: 4px 0; border-top: 1px dashed var(--gray-light); }
.coverage-example-card ul li:first-child { border-top: none; }
.coverage-example-card .ce-you-pay { background: var(--yellow); color: var(--black); border-radius: 8px; padding: 10px 14px; font-weight: 800; text-align: center; margin-top: 10px; }

.doc-callout { background: var(--black); color: rgba(255,255,255,.88); border-radius: var(--radius); padding: 22px 26px; margin-top: 28px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; }
.doc-callout p { margin: 0; font-weight: 700; color: #fff; }
.doc-callout .doc-callout-links { display: flex; gap: 18px; flex-wrap: wrap; font-size: .88rem; }
.doc-callout a { color: var(--yellow); font-weight: 700; }

.step-list { list-style: none; margin: 12px 0 0; padding: 0; counter-reset: step; }
.step-list li { position: relative; padding: 6px 0 6px 32px; font-size: .92rem; }
.step-list li::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 5px; width: 20px; height: 20px; border-radius: 50%; background: var(--yellow); color: var(--black); font-size: .72rem; font-weight: 800; display: flex; align-items: center; justify-content: center; }

.discount-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; margin: 18px 0 0; }
.discount-card { background: var(--off-white); border-radius: var(--radius); padding: 18px 20px; }
.discount-card .dc-num { display: inline-flex; width: 28px; height: 28px; border-radius: 50%; background: var(--yellow); color: var(--black); font-weight: 800; align-items: center; justify-content: center; font-size: .85rem; margin-bottom: 10px; }
.discount-card h4 { font-size: .95rem; margin-bottom: 4px; }
.discount-card p { font-size: .85rem; color: var(--text-muted); margin: 0; }

/* Drug formulary search/browse */
.formulary-search-box { margin: 18px 0 8px; position: relative; }
.formulary-search-box input {
  width: 100%; padding: 16px 18px; border-radius: 10px; border: 1px solid var(--gray-light);
  font-size: 1rem; font-family: inherit; color: var(--text); background: var(--off-white);
}
.formulary-search-box input:focus { outline: none; border-color: var(--yellow-dark); box-shadow: 0 0 0 3px var(--yellow-light); background: #fff; }
.formulary-meta { font-size: .82rem; color: var(--text-muted); margin: 8px 0 0; }
.formulary-results { margin-top: 18px; }
.formulary-category { margin-bottom: 26px; }
.formulary-category h3 { font-size: .92rem; text-transform: uppercase; letter-spacing: .02em; color: var(--text-muted); font-weight: 800; margin: 0 0 10px; border-bottom: 1px solid var(--gray-light); padding-bottom: 8px; }
.formulary-drug-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 2px 20px; }
.formulary-drug-list li { display: flex; justify-content: space-between; gap: 10px; padding: 7px 0; border-bottom: 1px dashed var(--gray-light); font-size: .86rem; }
.formulary-drug-list li .fd-name { color: var(--text); }
.formulary-tier-badge { flex-shrink: 0; font-weight: 800; font-size: .72rem; padding: 3px 9px; border-radius: 999px; color: var(--black); background: var(--gray-light); white-space: nowrap; }
.formulary-tier-badge.t1 { background: var(--yellow); }
.formulary-tier-badge.t2 { background: #cfe8cf; }
.formulary-tier-badge.t3 { background: #ffe0b3; }
.formulary-tier-badge.t4 { background: #f3c6c0; }
.formulary-empty { padding: 30px 0; text-align: center; color: var(--text-muted); display: none; }
.formulary-empty.show { display: block; }
.formulary-category[hidden] { display: none; }

@media (max-width: 720px) {
  .doc-table { min-width: 0; font-size: .82rem; }
  .doc-callout { flex-direction: column; align-items: flex-start; }
}

/* Enroll CTA (index page) */
.enroll-cta-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 46px; align-items: center; }
.check-list-plain { list-style: none; margin: 22px 0 28px; padding: 0; }
.check-list-plain li { position: relative; padding: 7px 0 7px 28px; font-size: .95rem; color: var(--text); }
.check-list-plain li::before { content: "✓"; position: absolute; left: 0; color: var(--yellow-dark); font-weight: 800; }
.enroll-price-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.table-scroll { overflow-x: auto; }
.enroll-price-table { width: 100%; min-width: 420px; border-collapse: collapse; font-size: .82rem; }
.enroll-price-table th { text-align: left; font-size: .68rem; text-transform: uppercase; letter-spacing: .03em; color: var(--text-muted); padding-bottom: 10px; border-bottom: 1px solid var(--gray-light); white-space: nowrap; }
.enroll-price-table th:not(:first-child), .enroll-price-table td:not(:first-child) { text-align: right; }
.enroll-price-table td { padding: 9px 0; border-bottom: 1px dashed var(--gray-light); white-space: nowrap; }
.enroll-price-table td:first-child { white-space: normal; }
.enroll-price-table td:first-child { font-weight: 700; color: var(--black); }

/* Quote/pull blocks */
.pull-quote { background: var(--black); color: #fff; padding: 70px 5%; text-align: center; }
.pull-quote blockquote { font-size: clamp(1.3rem, 2.6vw, 2rem); font-weight: 700; max-width: 820px; margin: 0 auto 14px; }
.pull-quote .attr { color: rgba(255,255,255,.55); font-size: .85rem; }

/* Forms */
.form-panel { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); box-shadow: var(--shadow); padding: 30px; }
.form-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 14px; }
.field { margin-bottom: 16px; }
.field.full { grid-column: 1 / -1; }
.field label { display: block; font-size: .82rem; font-weight: 700; margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border-radius: 8px; border: 1px solid var(--gray-light);
  font-size: .94rem; font-family: inherit; color: var(--text); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--yellow-dark); box-shadow: 0 0 0 3px var(--yellow-light); }
.checkbox-row { display: flex; gap: 10px; align-items: flex-start; font-size: .78rem; color: var(--text-muted); margin-bottom: 18px; }
.checkbox-row input { margin-top: 3px; }
/* Honeypot field — hidden from real visitors via CSS (not type="hidden",
   which unsophisticated bots skip), used as a spam deterrent on forms. */
.hp-field { position: absolute; left: -9999px; top: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-promise { font-size: .82rem; color: var(--text-muted); text-align: center; margin-top: 14px; }
.form-status { font-size: .88rem; margin-top: 12px; padding: 10px 14px; border-radius: 8px; display: none; }
.form-status.show.success { display: block; background: var(--yellow-light); color: var(--black); }
.form-status.show.error { display: block; background: #fdeceb; color: #9c2c1c; }
.contact-methods { display: flex; gap: 22px; justify-content: center; margin-top: 20px; flex-wrap: wrap; font-weight: 700; font-size: .92rem; }

/* Testimonials */
.testi-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.testi-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 24px; }
.stars { color: var(--yellow); letter-spacing: 2px; margin-bottom: 10px; }
.testi-name { font-weight: 800; font-size: .85rem; margin-top: 12px; }
.testi-role { font-size: .78rem; color: var(--text-muted); }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--gray-light); }
.faq-q { width: 100%; text-align: left; background: none; border: none; padding: 20px 4px; font-size: 1rem; font-weight: 700; color: var(--black); display: flex; justify-content: space-between; align-items: center; cursor: pointer; }
.faq-q::after { content: "+"; font-size: 1.3rem; color: var(--yellow-dark); margin-left: 14px; transition: transform .2s ease; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 4px 20px; color: var(--text-muted); font-size: .95rem; max-width: 70ch; }
.faq-item.open .faq-a { display: block; }

/* Footer */
.site-footer { background: var(--black); color: rgba(255,255,255,.72); padding: 54px 0 26px; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr) minmax(0, 1fr); gap: 34px; margin-bottom: 32px; }
.footer-grid h4 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 14px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 9px; }
.footer-grid a { color: var(--yellow); font-size: .9rem; }
.footer-grid a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.14); padding-top: 18px; font-size: .78rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-disclaimer { font-size: .74rem; color: rgba(255,255,255,.45); margin-top: 16px; max-width: 900px; }

/* =========================================================
   ENROLL / QUOTE WIZARD (self-contained, no SSN/bank fields)
   ========================================================= */
.wizard-overlay {
  position: fixed; inset: 0; background: rgba(15, 20, 22, .55); z-index: 200;
  display: none; align-items: flex-start; justify-content: center; padding: 40px 16px; overflow-y: auto;
}
.wizard-overlay.show { display: flex; }
.wizard-modal { background: #fff; border-radius: 16px; max-width: 560px; width: 100%; box-shadow: 0 24px 60px rgba(0,0,0,.3); overflow: hidden; margin: auto 0; }
.wizard-head { background: var(--black); color: #fff; padding: 22px 28px; display: flex; align-items: center; justify-content: space-between; }
.wizard-head h3 { color: #fff; margin: 0; font-size: 1.1rem; }
.wizard-close { background: none; border: none; color: rgba(255,255,255,.7); font-size: 1.4rem; cursor: pointer; line-height: 1; }
.wizard-close:hover { color: #fff; }
.wizard-steps { display: flex; gap: 6px; padding: 16px 28px 0; }
.wizard-step-dot { flex: 1; height: 4px; border-radius: 999px; background: var(--gray-light); }
.wizard-step-dot.active { background: var(--yellow-dark); }
.wizard-body { padding: 26px 28px 28px; }
.wizard-panel { display: none; }
.wizard-panel.active { display: block; }
.wizard-panel h4 { margin-bottom: 10px; }
.wizard-panel .lede { font-size: .95rem; margin-bottom: 18px; }
.wizard-panel ul.check-list { list-style: none; margin: 0 0 20px; padding: 0; }
.wizard-panel ul.check-list li { padding: 6px 0 6px 26px; position: relative; font-size: .9rem; color: var(--text-muted); }
.wizard-panel ul.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--yellow-dark); font-weight: 800; }
.wizard-plan-summary { background: var(--yellow-light); border-radius: 10px; padding: 14px 18px; margin-bottom: 18px; font-size: .9rem; }
.wizard-plan-summary strong { color: var(--black); }
.wizard-actions { display: flex; gap: 12px; margin-top: 22px; }
.wizard-actions .btn { flex: 1; }
.wizard-confirm { text-align: center; padding: 10px 0; }
.wizard-confirm .check-badge {
  width: 56px; height: 56px; border-radius: 50%; background: var(--yellow); color: var(--black);
  display: flex; align-items: center; justify-content: center; font-size: 1.8rem; margin: 0 auto 16px;
}

/* =========================================================
   ENROLLMENT PAGE (enroll.html)
   ========================================================= */
.enroll-hero { background: var(--black); padding: 52px 0; color: #fff; }
.enroll-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin-bottom: 8px; }
.enroll-hero p { color: rgba(255,255,255,.78); max-width: 62ch; margin: 0; }

.enroll-layout { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 30px; align-items: start; padding: 54px 0 90px; }
.enroll-summary-col { position: sticky; top: 96px; }

.enroll-card { background: #fff; border: 1px solid var(--gray-light); border-radius: var(--radius); padding: 26px 28px; margin-bottom: 20px; }
.enroll-card h2 { font-size: 1.15rem; margin-bottom: 4px; }
.enroll-card .step-num { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 50%; background: var(--yellow); color: var(--black); font-weight: 800; font-size: .82rem; margin-right: 10px; }
.enroll-card-sub { color: var(--text-muted); font-size: .88rem; margin: 0 0 18px; }

.tier-select { margin-bottom: 22px; }
.tier-select label.tier-label { display: block; font-size: .82rem; font-weight: 700; margin-bottom: 8px; }
.tier-select select { width: 100%; padding: 12px 14px; border-radius: 8px; border: 1px solid var(--gray-light); font-size: .94rem; font-family: inherit; background: #fff; }

.option-list { display: flex; flex-direction: column; gap: 10px; }
.option-row {
  display: flex; align-items: center; gap: 14px; border: 1px solid var(--gray-light); border-radius: 10px;
  padding: 14px 16px; cursor: pointer; transition: border-color .15s ease, background .15s ease;
}
.option-row:hover { border-color: var(--yellow-dark); }
.option-row input { flex: 0 0 auto; width: 18px; height: 18px; accent-color: var(--yellow-dark); }
.option-row .option-body { flex: 1 1 auto; }
.option-row .option-title { font-weight: 700; font-size: .95rem; color: var(--black); }
.option-row .option-desc { font-size: .8rem; color: var(--text-muted); margin-top: 2px; }
.option-row .option-price { font-weight: 800; font-size: .95rem; color: var(--black); white-space: nowrap; }
.option-row.has-checked { border-color: var(--yellow-dark); background: var(--yellow-light); }
.option-group { margin-bottom: 24px; }
.option-group:last-child { margin-bottom: 0; }
.option-group-title { font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--text-muted); margin-bottom: 10px; }

#spouse-section, #children-section { margin-bottom: 24px; }
#spouse-section:last-child, #children-section:last-child { margin-bottom: 0; }
.dependent-row { border: 1px solid var(--gray-light); border-radius: 10px; padding: 18px 16px 4px; margin-bottom: 14px; position: relative; }
.dependent-row .remove-dependent {
  position: absolute; top: 12px; right: 14px; background: none; border: none; color: var(--text-muted);
  cursor: pointer; font-size: .78rem; font-weight: 700; padding: 2px 4px;
}
.dependent-row .remove-dependent:hover { color: #9c2c1c; }
.btn-add-dependent {
  display: inline-flex; align-items: center; gap: 6px; background: #fff; border: 2px dashed var(--gray-light);
  color: var(--text); font-weight: 700; font-size: .88rem; border-radius: 10px; padding: 12px 16px;
  cursor: pointer; width: 100%; justify-content: center; transition: border-color .15s ease, color .15s ease;
}
.btn-add-dependent:hover { border-color: var(--yellow-dark); color: var(--yellow-dark); }

.summary-line { display: flex; justify-content: space-between; gap: 10px; padding: 10px 0; border-bottom: 1px dashed var(--gray-light); font-size: .9rem; }
.summary-line:last-of-type { border-bottom: none; }
.summary-line .s-label { color: var(--text-muted); }
.summary-line .s-price { font-weight: 700; color: var(--black); }
.summary-total { display: flex; justify-content: space-between; align-items: baseline; padding-top: 16px; margin-top: 6px; border-top: 2px solid var(--black); }
.summary-total .t-label { font-weight: 700; font-size: .95rem; }
.summary-total .t-price { font-weight: 800; font-size: 1.8rem; color: var(--black); }
.summary-total .t-price small { font-size: .95rem; font-weight: 500; color: var(--text-muted); }
.summary-empty { color: var(--text-muted); font-size: .88rem; text-align: center; padding: 18px 0; }

.enroll-note { font-size: .82rem; color: var(--text-muted); background: var(--off-white); border-radius: 8px; padding: 12px 14px; margin-top: 16px; }

.enroll-confirm { text-align: center; padding: 60px 0 100px; }
.enroll-confirm .check-badge {
  width: 64px; height: 64px; border-radius: 50%; background: var(--yellow); color: var(--black);
  display: flex; align-items: center; justify-content: center; font-size: 2rem; margin: 0 auto 20px;
}
.enroll-confirm h2 { margin-bottom: 10px; }
.enroll-confirm p { color: var(--text-muted); max-width: 52ch; margin: 0 auto; }

/* Responsive */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr); }
  .audience-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .plans-grid { grid-template-columns: minmax(0, 1fr); }
  .testi-grid { grid-template-columns: minmax(0, 1fr); }
  .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .docs-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .enroll-cta-grid { grid-template-columns: minmax(0, 1fr); }
  .enroll-layout { grid-template-columns: minmax(0, 1fr); }
  .enroll-summary-col { position: static; }
}
@media (max-width: 720px) {
  .nav-links { display: none; position: absolute; top: 74px; left: 0; right: 0; background: #fff; flex-direction: column; padding: 18px 24px; border-bottom: 1px solid var(--gray-light); gap: 16px; }
  .nav.open .nav-links { display: flex; }
  .nav-toggle { display: block; }
  .form-grid { grid-template-columns: minmax(0, 1fr); }
  .section-cream, .section-white { padding: 56px 0; }
  .docs-grid { grid-template-columns: minmax(0, 1fr); }
}