/* ===== RESET & BASE ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --navy: #0f1e3d;
    --navy-mid: #1a2f5a;
    --navy-light: #263d6a;
    --gold: #c8961e;
    --gold-light: #e8b84a;
    --gold-pale: #fdf5e6;
    --warm-bg: #faf8f5;
    --warm-bg-alt: #f3f0eb;
    --text-dark: #1a1a2e;
    --text-body: #4a4a5a;
    --text-muted: #8a8a9a;
    --white: #ffffff;
    --border: #e8e4df;
    --success: #2d8f4e;
    --error: #c0392b;
    --shadow-sm: 0 1px 3px rgba(15, 30, 61, 0.08);
    --shadow: 0 4px 20px rgba(15, 30, 61, 0.1);
    --shadow-lg: 0 12px 40px rgba(15, 30, 61, 0.15);
    --shadow-gold: 0 4px 20px rgba(200, 150, 30, 0.25);
    --radius: 10px;
    --radius-lg: 16px;
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
    background: var(--white);
    overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; height: auto; }
ul { list-style: none; }

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ===== NAVBAR ===== */
.navbar {
    background: var(--white);
    padding: 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--border);
}

.navbar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 68px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.3px;
}

.logo-mark {
    width: 36px;
    height: 36px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-gold);
}

.logo-mark svg {
    width: 20px;
    height: 20px;
    fill: var(--white);
}

.nav-links {
    display: flex;
    gap: 32px;
    align-items: center;
}

.nav-links a {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text-body);
    transition: var(--transition);
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width 0.3s ease;
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--navy);
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.nav-cta {
    background: var(--navy) !important;
    color: var(--white) !important;
    padding: 9px 22px;
    border-radius: 6px;
    font-weight: 600 !important;
    transition: var(--transition);
}

.nav-cta::after { display: none !important; }

.nav-cta:hover {
    background: var(--navy-mid) !important;
    transform: translateY(-1px);
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    flex-direction: column;
    gap: 5px;
}

.mobile-toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--navy);
    transition: var(--transition);
    border-radius: 2px;
}

/* ===== HERO WITH FORM ===== */
.hero {
    background: var(--navy);
    padding: 70px 0 80px;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(200, 150, 30, 0.08) 0%, transparent 70%);
    top: -200px;
    right: -100px;
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(200, 150, 30, 0.06) 0%, transparent 70%);
    bottom: -150px;
    left: -100px;
    pointer-events: none;
}

.hero .container {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    color: var(--white);
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(200, 150, 30, 0.15);
    border: 1px solid rgba(200, 150, 30, 0.3);
    color: var(--gold-light);
    padding: 6px 14px;
    border-radius: 6px;
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 24px;
}

.hero-tag svg {
    width: 14px;
    height: 14px;
    fill: var(--gold-light);
}

.hero h1 {
    font-size: 2.9rem;
    font-weight: 800;
    line-height: 1.12;
    margin-bottom: 18px;
    letter-spacing: -0.5px;
}

.hero h1 span {
    color: var(--gold-light);
}

.hero-desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 460px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.hero-stat {
    border-left: 2px solid var(--gold);
    padding-left: 16px;
}

.hero-stat strong {
    display: block;
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--white);
}

.hero-stat span {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.5);
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

/* Hero Form Card */
.hero-form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.hero-form-top {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    padding: 22px 28px;
    text-align: center;
}

.hero-form-top h2 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 2px;
}

.hero-form-top p {
    font-size: 0.82rem;
    color: rgba(15, 30, 61, 0.6);
}

.hero-form-body {
    padding: 28px;
}

.hero-form-body .field-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 12px;
}

.hero-form-body .field-full {
    margin-bottom: 12px;
}

.field input {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    font-size: 0.88rem;
    font-family: inherit;
    color: var(--text-dark);
    transition: var(--transition);
    background: var(--warm-bg);
}

.field input:focus {
    outline: none;
    border-color: var(--gold);
    background: var(--white);
    box-shadow: 0 0 0 3px rgba(200, 150, 30, 0.12);
}

.field input::placeholder {
    color: var(--text-muted);
}

.consent-wrap {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 16px 0 20px;
}

.consent-wrap input[type="checkbox"] {
    width: 16px;
    height: 16px;
    margin-top: 2px;
    flex-shrink: 0;
    cursor: pointer;
    accent-color: var(--navy);
}

.consent-wrap .consent-label {
    font-size: 0.72rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.consent-wrap .consent-label a {
    color: var(--navy-mid);
    text-decoration: underline;
}

.btn-apply {
    width: 100%;
    padding: 14px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: 8px;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
    letter-spacing: 0.3px;
}

.btn-apply:hover {
    background: var(--navy-mid);
    box-shadow: 0 4px 16px rgba(15, 30, 61, 0.3);
    transform: translateY(-1px);
}

.btn-apply:disabled {
    opacity: 0.6;
    cursor: not-allowed;
    transform: none;
}

.form-secure {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: 14px;
    font-size: 0.75rem;
    color: var(--text-muted);
}

.form-secure svg {
    width: 13px;
    height: 13px;
    fill: var(--success);
}

/* Form Messages */
.form-message {
    padding: 12px 14px;
    border-radius: 8px;
    margin-bottom: 14px;
    font-size: 0.85rem;
    display: none;
    line-height: 1.5;
}

.form-message.success {
    background: #eafaf0;
    color: #1a6b35;
    border: 1px solid #b8e6cc;
    display: block;
}

.form-message.error {
    background: #fdf0ef;
    color: #922b21;
    border: 1px solid #f0c4bf;
    display: block;
}

/* ===== TRUST BAR ===== */
.trust-bar {
    background: var(--warm-bg);
    padding: 28px 0;
    border-bottom: 1px solid var(--border);
}

.trust-items {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 50px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-body);
}

.trust-item svg {
    width: 20px;
    height: 20px;
    fill: var(--gold);
}

/* ===== HOW IT WORKS ===== */
.how-section {
    padding: 90px 0;
    background: var(--white);
}

.section-label {
    display: inline-block;
    background: var(--gold-pale);
    color: var(--gold);
    padding: 5px 12px;
    border-radius: 5px;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 14px;
}

.section-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 10px;
    letter-spacing: -0.3px;
}

.section-sub {
    font-size: 1rem;
    color: var(--text-muted);
    margin-bottom: 50px;
    max-width: 520px;
}

.section-center {
    text-align: center;
}

.section-center .section-sub {
    margin-left: auto;
    margin-right: auto;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    position: relative;
}

.steps-grid::before {
    content: '';
    position: absolute;
    top: 44px;
    left: 16%;
    right: 16%;
    height: 2px;
    background: linear-gradient(90deg, var(--border), var(--gold), var(--border));
    z-index: 0;
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 800;
    margin: 0 auto 20px;
    border: 3px solid var(--border);
    background: var(--white);
    color: var(--text-muted);
    transition: var(--transition);
}

.step-card:hover .step-number {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.step-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.6;
    max-width: 280px;
    margin: 0 auto;
}

/* ===== WHY US / BENEFITS ===== */
.benefits-section {
    padding: 90px 0;
    background: var(--warm-bg);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.benefit-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px 28px;
    display: flex;
    gap: 20px;
    transition: var(--transition);
}

.benefit-item:hover {
    box-shadow: var(--shadow);
    border-color: rgba(200, 150, 30, 0.3);
    transform: translateY(-2px);
}

.benefit-icon-box {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.benefit-icon-box svg {
    width: 24px;
    height: 24px;
}

.bib-gold {
    background: var(--gold-pale);
}

.bib-gold svg { fill: var(--gold); }

.bib-navy {
    background: rgba(15, 30, 61, 0.08);
}

.bib-navy svg { fill: var(--navy); }

.benefit-text h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 6px;
}

.benefit-text p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== COVERAGE TIERS ===== */
.coverage-section {
    padding: 90px 0;
    background: var(--white);
}

.tiers-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.tier-card {
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    text-align: center;
    transition: var(--transition);
    position: relative;
}

.tier-card:hover {
    box-shadow: var(--shadow);
}

.tier-card.featured {
    border-color: var(--gold);
    box-shadow: var(--shadow-gold);
}

.tier-badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--gold);
    color: var(--white);
    padding: 4px 16px;
    border-radius: 20px;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.tier-name {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.tier-price {
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 4px;
}

.tier-sub {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-bottom: 24px;
    padding-bottom: 24px;
    border-bottom: 1px solid var(--border);
}

.tier-features {
    text-align: left;
    margin-bottom: 28px;
}

.tier-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 7px 0;
    font-size: 0.88rem;
    color: var(--text-body);
}

.tier-features li svg {
    width: 16px;
    height: 16px;
    fill: var(--success);
    flex-shrink: 0;
}

.btn-tier {
    display: block;
    width: 100%;
    padding: 12px;
    border-radius: 8px;
    font-size: 0.9rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
    border: 2px solid var(--navy);
    background: transparent;
    color: var(--navy);
}

.btn-tier:hover {
    background: var(--navy);
    color: var(--white);
}

.tier-card.featured .btn-tier {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.tier-card.featured .btn-tier:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
}

/* ===== TESTIMONIALS ===== */
.testimonials-section {
    padding: 90px 0;
    background: var(--navy);
    position: relative;
    overflow: hidden;
}

.testimonials-section::before {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(200, 150, 30, 0.06) 0%, transparent 70%);
    top: -200px;
    left: -100px;
    pointer-events: none;
}

.testimonials-section .section-label {
    background: rgba(200, 150, 30, 0.15);
}

.testimonials-section .section-title {
    color: var(--white);
}

.testimonials-section .section-sub {
    color: rgba(255, 255, 255, 0.5);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius);
    padding: 30px 24px;
    transition: var(--transition);
}

.testimonial-card:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(200, 150, 30, 0.3);
}

.testimonial-stars {
    display: flex;
    gap: 3px;
    margin-bottom: 16px;
}

.testimonial-stars svg {
    width: 16px;
    height: 16px;
    fill: var(--gold);
}

.testimonial-card blockquote {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--navy);
    font-size: 0.85rem;
}

.testimonial-name {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--white);
}

.testimonial-loc {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.4);
}

/* ===== FAQ ===== */
.faq-section {
    padding: 90px 0;
    background: var(--warm-bg);
}

.faq-grid {
    max-width: 720px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover {
    border-color: rgba(200, 150, 30, 0.3);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 22px;
    background: none;
    border: none;
    cursor: pointer;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-dark);
    font-family: inherit;
    text-align: left;
}

.faq-question svg {
    width: 18px;
    height: 18px;
    fill: var(--text-muted);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.open .faq-question svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer-inner {
    padding: 0 22px 18px;
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.7;
}

.faq-item.open .faq-answer {
    max-height: 300px;
}

/* ===== CTA BANNER ===== */
.cta-banner {
    padding: 70px 0;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    text-align: center;
}

.cta-banner h2 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 12px;
}

.cta-banner p {
    font-size: 1rem;
    color: rgba(15, 30, 61, 0.6);
    margin-bottom: 30px;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
}

.btn-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 36px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: 8px;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
}

.btn-cta:hover {
    background: var(--navy-mid);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(15, 30, 61, 0.3);
}

.btn-cta svg {
    width: 18px;
    height: 18px;
    fill: var(--white);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--navy);
    color: rgba(255, 255, 255, 0.6);
    padding: 60px 0 0;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-brand-block .logo {
    color: var(--white);
    margin-bottom: 14px;
}

.footer-brand-block .logo .logo-mark {
    background: rgba(200, 150, 30, 0.2);
}

.footer-brand-block p {
    font-size: 0.88rem;
    line-height: 1.7;
    max-width: 280px;
}

.footer h4 {
    color: var(--white);
    font-size: 0.88rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 18px;
}

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

.footer-links a {
    font-size: 0.88rem;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--gold-light);
}

.footer-bottom {
    padding: 22px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
}

.footer-legal {
    display: flex;
    gap: 20px;
}

.footer-legal a {
    transition: var(--transition);
}

.footer-legal a:hover {
    color: var(--gold-light);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero .container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-content {
        text-align: center;
    }

    .hero-desc {
        max-width: 100%;
        margin-left: auto;
        margin-right: auto;
    }

    .hero-stats {
        justify-content: center;
    }

    .hero-form-card {
        max-width: 480px;
        margin: 0 auto;
    }

    .footer-top {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 20px 24px;
        gap: 14px;
        border-top: 1px solid var(--border);
        box-shadow: var(--shadow);
    }

    .nav-links.active { display: flex; }

    .mobile-toggle { display: flex; }

    .nav-cta {
        text-align: center;
        display: block;
    }

    .hero { padding: 50px 0 60px; }

    .hero h1 { font-size: 2.1rem; }

    .hero-stats { gap: 24px; flex-wrap: wrap; }

    .steps-grid,
    .tiers-grid,
    .testimonials-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin-left: auto;
        margin-right: auto;
    }

    .steps-grid::before { display: none; }

    .benefits-grid {
        grid-template-columns: 1fr;
    }

    .section-title { font-size: 1.6rem; }

    .hero-form-body .field-row {
        grid-template-columns: 1fr;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 10px;
        text-align: center;
    }

    .cta-banner h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
    .hero h1 { font-size: 1.7rem; }
    .hero-stat strong { font-size: 1.3rem; }
    .tier-price { font-size: 2rem; }
    .trust-items { gap: 20px; }
}

/* ===== CONTACT PAGE ===== */
.contact-hero {
    background: var(--navy);
    padding: 60px 0 50px;
    text-align: center;
}

.contact-hero .section-label {
    background: rgba(200, 150, 30, 0.15);
}

.contact-hero .section-title {
    color: var(--white);
    margin-bottom: 10px;
}

.contact-hero .section-sub {
    color: rgba(255, 255, 255, 0.5);
    margin-left: auto;
    margin-right: auto;
    margin-bottom: 0;
}

.contact-section {
    padding: 70px 0 90px;
    background: var(--warm-bg);
}

.contact-grid {
    display: grid;
    grid-template-columns: 340px 1fr;
    gap: 36px;
    align-items: start;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.contact-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    display: flex;
    gap: 16px;
    align-items: flex-start;
    transition: var(--transition);
}

.contact-card:hover {
    box-shadow: var(--shadow);
    border-color: rgba(200, 150, 30, 0.3);
}

.contact-card-icon {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.contact-card-icon svg {
    width: 22px;
    height: 22px;
}

.contact-card h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 4px;
}

.contact-card p {
    font-size: 0.9rem;
    color: var(--text-body);
    margin-bottom: 2px;
}

.contact-card p a {
    color: var(--navy);
    font-weight: 600;
}

.contact-card p a:hover {
    color: var(--gold);
}

.contact-card span {
    font-size: 0.78rem;
    color: var(--text-muted);
}

.contact-form-wrap .hero-form-card {
    max-width: 100%;
}

@media (max-width: 768px) {
    .contact-grid {
        grid-template-columns: 1fr;
    }

    .contact-info {
        order: 2;
    }

    .contact-form-wrap {
        order: 1;
    }
}

/* ===== SPINNER ===== */
.spinner {
    display: inline-block;
    width: 16px;
    height: 16px;
    border: 2px solid rgba(255, 255, 255, 0.3);
    border-radius: 50%;
    border-top-color: var(--white);
    animation: spin 0.6s linear infinite;
    margin-right: 8px;
    vertical-align: middle;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}