/* ============================================
   FINAL EXPENSE 365 — Global Stylesheet
   Matches finalexpensebenefits.org design
   ============================================ */
:root {
  --green:        #1a5235;
  --green-mid:    #2d6a4f;
  --green-light:  #d8f3e4;
  --green-bg:     #eef7f2;
  --amber:        #c8973f;
  --amber-btn:    #d4a044;
  --amber-light:  #fdf6e9;
  --text-dark:    #1a1a1a;
  --text-body:    #3a4a3d;
  --text-muted:   #6b7a6e;
  --border:       #dce8e1;
  --white:        #ffffff;
  --bg-page:      #f4f6f4;
  --shadow-sm:    0 1px 4px rgba(26,82,53,.08);
  --shadow-md:    0 4px 18px rgba(26,82,53,.12);
  --shadow-lg:    0 8px 36px rgba(26,82,53,.16);
  --radius:       16px;
  --radius-lg:    24px;
  --radius-pill:  999px;
}
*,*::before,*::after { box-sizing: border-box; margin:0; padding:0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
h1,h2,h3,h4,h5 {
  font-family: 'Lora', Georgia, serif;
  color: var(--green);
  line-height: 1.25;
}
a { text-decoration: none; color: var(--green); transition: all .2s; }
img { max-width: 100%; display: block; }
.container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.hidden { display: none !important; }

/* ---- TOPBAR ---- */
.topbar {
  background: #1a2e1a;
  color: rgba(255,255,255,.9);
  text-align: center;
  padding: 10px 20px;
  font-size: .84rem;
  position: relative;
}
.topbar::before {
  content: '';
  position: absolute;
  top:0; left:0; right:0; height:3px;
  background: linear-gradient(90deg,#e74c3c,#f39c12,#27ae60,#3498db,#9b59b6,#e74c3c);
  background-size: 300%;
  animation: rainbow 5s linear infinite;
}
@keyframes rainbow { to { background-position: 300% 0; } }
.topbar a { color: #fff; }
.topbar strong { font-weight: 700; }

/* ---- HEADER / NAV ---- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 900;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex; align-items: center;
  justify-content: space-between;
  height: 72px; gap: 24px;
}
/* Logo */
.logo { display:flex; align-items:center; gap:10px; flex-shrink:0; }
.logo-mark {
  width:44px; height:44px; background:var(--green);
  border-radius:50%; display:flex; align-items:center; justify-content:center;
}
.logo-mark svg { display:block; }
.logo-text { display:flex; flex-direction:column; line-height:1.1; }
.logo-line1 { font-size:.72rem; font-weight:700; color:var(--text-muted); text-transform:uppercase; letter-spacing:.5px; font-family:'Inter',sans-serif; }
.logo-line2 { font-size:1.35rem; font-weight:700; color:var(--green); font-family:'Lora',serif; }
.logo-line2 sup { font-size:.5em; vertical-align:super; }

/* Desktop Nav */
.main-nav { display:flex; align-items:center; gap:6px; flex:1; justify-content:center; }
.nav-link {
  padding: 8px 14px;
  font-size:.92rem; font-weight:500; color:var(--text-dark);
  border-radius:8px; white-space:nowrap;
  display:flex; align-items:center; gap:4px;
}
.nav-link:hover, .nav-link.active { color:var(--green); background:var(--green-bg); }
.nav-link svg { width:14px; height:14px; transition: transform .2s; }
.dropdown { position:relative; }
.dropdown:hover .nav-link svg { transform:rotate(180deg); }
.dropdown-menu {
  position:absolute; top:calc(100%+8px); left:0;
  background:var(--white); border:1px solid var(--border);
  border-radius:var(--radius); min-width:220px;
  box-shadow: var(--shadow-md);
  padding:8px 0; opacity:0; visibility:hidden;
  transform:translateY(-8px); transition: all .2s;
}
.dropdown:hover .dropdown-menu { opacity:1; visibility:visible; transform:none; }
.dropdown-menu a {
  display:block; padding:10px 18px;
  font-size:.88rem; color:var(--text-body);
}
.dropdown-menu a:hover { background:var(--green-bg); color:var(--green); }

/* Nav Right */
.nav-right { display:flex; align-items:center; gap:16px; flex-shrink:0; }
.btn-see-prices {
  background:var(--amber-btn); color:var(--white);
  padding:10px 20px; border-radius:var(--radius-pill);
  font-weight:700; font-size:.9rem; white-space:nowrap;
  box-shadow:0 2px 8px rgba(200,151,63,.3);
  transition: all .2s;
}
.btn-see-prices:hover { background:#b8862e; color:white; transform:translateY(-1px); }
.nav-phone { display:flex; flex-direction:column; align-items:flex-end; }
.nav-phone-label { font-size:.65rem; font-weight:700; color:var(--text-muted); text-transform:uppercase; letter-spacing:.5px; }
.nav-phone-num { font-size:.95rem; font-weight:700; color:var(--green); }

/* Mobile hamburger */
.hamburger { display:none; background:none; border:none; cursor:pointer; padding:4px; }
.hamburger span { display:block; width:24px; height:2px; background:var(--green); margin:5px 0; transition:.3s; border-radius:2px; }

/* Mobile nav overlay */
.mobile-nav {
  display:none; position:fixed; inset:0; z-index:950;
  background:var(--white); overflow-y:auto; padding:80px 24px 40px;
  flex-direction:column;
}
.mobile-nav.open { display:flex; }
.mobile-nav-close {
  position:absolute; top:18px; right:18px;
  background:none; border:none; cursor:pointer; font-size:1.5rem; color:var(--green);
}
.mobile-nav a { display:block; padding:14px 0; font-size:1.1rem; font-weight:500; border-bottom:1px solid var(--border); color:var(--text-dark); }
.mobile-nav a:hover { color:var(--green); }
.mobile-nav .btn-see-prices { display:inline-block; margin-top:20px; text-align:center; }
.mobile-nav-phone { margin-top:24px; }
.mobile-nav-phone a { border:none; font-size:1.3rem; font-weight:700; color:var(--green); }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, #e8f5ee 0%, #f5f0e8 50%, #eef5f8 100%);
  padding: 60px 0 0;
  overflow: hidden;
}
.hero-card {
  background: rgba(255,255,255,.55);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-lg);
  display: grid; grid-template-columns: 1fr 1fr;
  overflow: hidden; min-height: 480px;
  box-shadow: var(--shadow-lg);
}
.hero-text { padding: 60px 50px; display:flex; flex-direction:column; justify-content:center; }
.stars-row { display:flex; align-items:center; gap:4px; margin-bottom:18px; }
.star, .star-sm { color:var(--amber); }
.star { font-size:1.25rem; }
.star-sm { font-size:1rem; }
.stars-label { font-size:.9rem; font-weight:600; color:var(--text-muted); margin-left:8px; }
.hero-text h1 { font-size:2.8rem; color:var(--green); margin-bottom:16px; }
.hero-text p { color:var(--text-body); font-size:1.05rem; margin-bottom:32px; max-width:420px; }
.hero-stats {
  display:flex; gap:28px; padding-top:28px; margin-top:auto;
  border-top:1px solid rgba(26,82,53,.1);
}
.hs-item { display:flex; flex-direction:column; }
.hs-item strong { font-family:'Lora',serif; font-size:1.4rem; color:var(--green); }
.hs-item span { font-size:.78rem; color:var(--text-muted); line-height:1.3; }
.hs-divider { width:1px; background:var(--border); }
.hero-image { position:relative; overflow:hidden; }
.hero-image img { width:100%; height:100%; object-fit:cover; object-position:top center; }

/* CTA Buttons */
.btn-amber {
  display:inline-flex; align-items:center; gap:8px;
  background:var(--amber-btn); color:var(--white);
  padding:14px 28px; border-radius:var(--radius-pill);
  font-weight:700; font-size:1rem;
  box-shadow:0 3px 12px rgba(200,151,63,.35);
  transition: all .2s; border:none; cursor:pointer;
  font-family:'Inter',sans-serif;
}
.btn-amber:hover { background:#b8862e; color:white; transform:translateY(-1px); box-shadow:0 6px 18px rgba(200,151,63,.4); }
.btn-green {
  display:inline-flex; align-items:center; gap:8px;
  background:var(--green); color:white;
  padding:13px 26px; border-radius:var(--radius-pill);
  font-weight:700; font-size:.95rem;
  transition:all .2s; border:none; cursor:pointer;
  font-family:'Inter',sans-serif;
}
.btn-green:hover { background:var(--green-mid); color:white; transform:translateY(-1px); }
.btn-outline-green {
  display:inline-flex; align-items:center; gap:8px;
  border:2px solid var(--green); color:var(--green);
  padding:11px 24px; border-radius:var(--radius-pill);
  font-weight:600; font-size:.9rem; transition:all .2s;
}
.btn-outline-green:hover { background:var(--green); color:white; }

/* ---- TRUSTPILOT BAR ---- */
.trust-section { background:var(--green-bg); padding:40px 0; }
.trust-inner { display:flex; justify-content:center; gap:24px; flex-wrap:wrap; }
.tp-badge {
  background:var(--white); border-radius:var(--radius);
  padding:20px 30px; display:flex; align-items:center; gap:18px;
  border:1px solid var(--border); box-shadow:var(--shadow-sm);
}
.tp-icon { width:36px; height:36px; background:#00b67a; border-radius:50%; display:flex; align-items:center; justify-content:center; }
.tp-icon svg { width:20px; height:20px; }
.tp-name { font-weight:700; font-size:1rem; color:var(--text-dark); }
.tp-stars-row { display:flex; gap:3px; }
.tp-star { color:#00b67a; font-size:1.3rem; }
.tp-score { font-weight:700; color:var(--text-dark); font-size:.95rem; margin-left:6px; }
.tp-count { font-size:.8rem; color:var(--text-muted); margin-top:2px; }

/* ---- COVERAGE CARDS ---- */
.coverage-section { background:var(--white); padding:80px 0; }
.section-title { font-size:2.2rem; margin-bottom:40px; }
.section-title .highlight { color:var(--amber); font-style:italic; }
.coverage-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; max-width:760px; margin-bottom:36px; }
.cov-card {
  border-radius:var(--radius-lg); padding:36px 32px;
  cursor:pointer; position:relative; overflow:hidden;
  transition: transform .25s, box-shadow .25s;
  border:1.5px solid transparent;
}
.cov-card:hover { transform:translateY(-3px); box-shadow:var(--shadow-lg); }
.cov-card.green { background:var(--green-light); border-color:#a8d5bb; }
.cov-card.amber { background:var(--amber-light); border-color:#f0d5a0; }
.cov-card h3 { font-size:1.3rem; margin-bottom:8px; }
.cov-card.amber h3 { color:#6b4e1a; }
.cov-desc { color:var(--text-muted); font-size:.9rem; margin-bottom:18px; }
.cov-price { font-weight:700; font-size:.92rem; margin-bottom:22px; }
.cov-card.amber .cov-price { color:#7a5c20; }
.btn-card-green { background:var(--green); color:#fff; border:none; padding:10px 22px; border-radius:var(--radius-pill); font-weight:700; font-size:.88rem; cursor:pointer; font-family:'Inter',sans-serif; transition:all .2s; }
.btn-card-green:hover { background:var(--green-mid); }
.btn-card-amber { background:var(--amber-btn); color:#fff; border:none; padding:10px 22px; border-radius:var(--radius-pill); font-weight:700; font-size:.88rem; cursor:pointer; font-family:'Inter',sans-serif; transition:all .2s; }
.btn-card-amber:hover { background:#b8862e; }
.cc-decor { position:absolute; right:-30px; bottom:-30px; width:130px; height:130px; border-radius:50%; opacity:.2; }
.cc-decor.green { background:var(--green); }
.cc-decor.amber { background:var(--amber); }
.rating-row { display:flex; align-items:center; gap:5px; font-size:.9rem; color:var(--text-muted); }

/* ---- FEATURES ---- */
.features-section { background:var(--bg-page); padding:80px 0; }
.features-layout { display:grid; grid-template-columns:1fr 1.2fr; gap:70px; align-items:start; }
.features-left h2 { font-size:2rem; margin-bottom:16px; }
.features-left p { color:var(--text-muted); margin-bottom:28px; }
.feature-item { display:flex; gap:16px; margin-bottom:26px; align-items:flex-start; }
.fi-icon { width:48px; height:48px; min-width:48px; background:var(--green-light); border-radius:12px; display:flex; align-items:center; justify-content:center; color:var(--green); }
.feature-item h4 { font-size:.95rem; font-family:'Inter',sans-serif; font-weight:700; color:var(--text-dark); margin-bottom:4px; }
.feature-item p { font-size:.88rem; color:var(--text-muted); }

/* ---- TESTIMONIALS ---- */
.testi-section { background:var(--green-bg); padding:80px 0; }
.section-eyebrow { font-size:.78rem; font-weight:700; letter-spacing:1.2px; text-transform:uppercase; color:var(--amber); margin-bottom:10px; }
.section-header { text-align:center; margin-bottom:48px; }
.section-header h2 { font-size:2rem; }
.testi-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.testi-card { background:var(--white); border-radius:var(--radius); padding:28px 24px; border:1px solid var(--border); box-shadow:var(--shadow-sm); }
.testi-stars { color:var(--amber); font-size:1rem; letter-spacing:2px; margin-bottom:12px; }
.testi-card p { font-size:.92rem; color:var(--text-body); line-height:1.65; margin-bottom:18px; font-style:italic; }
.testi-author { display:flex; align-items:center; gap:12px; }
.testi-av { width:40px; height:40px; border-radius:50%; background:var(--green); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-size:.8rem; flex-shrink:0; }
.testi-author strong { display:block; font-size:.88rem; color:var(--text-dark); font-family:'Inter',sans-serif; }
.testi-author span { font-size:.78rem; color:var(--text-muted); }

/* ---- BLOG CARDS ---- */
.blog-section { background:var(--white); padding:80px 0; }
.blog-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:40px; }
.blog-card { border-radius:var(--radius); overflow:hidden; border:1px solid var(--border); box-shadow:var(--shadow-sm); transition:box-shadow .25s, transform .25s; }
.blog-card:hover { box-shadow:var(--shadow-md); transform:translateY(-3px); }
.blog-card-img { height:200px; overflow:hidden; }
.blog-card-img img { width:100%; height:100%; object-fit:cover; transition:transform .4s; }
.blog-card:hover .blog-card-img img { transform:scale(1.04); }
.blog-card-body { padding:20px; }
.blog-badge { display:inline-block; background:var(--green-light); color:var(--green); font-size:.72rem; font-weight:700; padding:3px 10px; border-radius:var(--radius-pill); margin-bottom:10px; text-transform:uppercase; letter-spacing:.5px; }
.blog-card-body h3 { font-size:1rem; color:var(--text-dark); margin-bottom:8px; font-family:'Inter',sans-serif; font-weight:700; line-height:1.4; }
.blog-meta { font-size:.78rem; color:var(--text-muted); }

/* ---- CTA BANNER ---- */
.cta-section { background:var(--green); padding:64px 0; }
.cta-inner { display:flex; align-items:center; justify-content:space-between; gap:32px; flex-wrap:wrap; }
.cta-left h2 { color:#fff; font-size:1.8rem; margin-bottom:8px; }
.cta-left p { color:rgba(255,255,255,.75); font-size:1rem; }
.cta-right { display:flex; align-items:center; gap:32px; }
.cta-stat { text-align:center; }
.cta-stat strong { display:block; font-family:'Lora',serif; font-size:2rem; color:#fff; }
.cta-stat span { font-size:.78rem; color:rgba(255,255,255,.6); }
.btn-amber-outline { display:inline-flex; align-items:center; gap:8px; border:2px solid var(--amber-btn); color:var(--white); padding:12px 26px; border-radius:var(--radius-pill); font-weight:700; font-size:.95rem; transition:all .2s; }
.btn-amber-outline:hover { background:var(--amber-btn); color:#fff; }

/* ---- FOOTER ---- */
.site-footer { background:var(--white); padding:64px 0 0; border-top:1px solid var(--border); }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:40px; padding-bottom:48px; }
.footer-brand .logo { margin-bottom:14px; }
.footer-company { font-weight:700; color:var(--green); font-size:.85rem; margin-bottom:8px; font-family:'Inter',sans-serif; }
.footer-desc { color:var(--text-muted); font-size:.88rem; margin-bottom:18px; line-height:1.6; max-width:280px; }
.footer-phone-link { display:inline-block; color:var(--green); font-weight:700; font-size:.95rem; padding:8px 16px; background:var(--green-light); border-radius:var(--radius-pill); margin-bottom:18px; }
.footer-phone-link:hover { background:var(--border); }
.social-links { display:flex; gap:10px; margin-top:4px; }
.social-link { width:36px; height:36px; border-radius:50%; background:var(--green-bg); border:1px solid var(--border); display:flex; align-items:center; justify-content:center; color:var(--green); transition:all .2s; }
.social-link:hover { background:var(--green); color:#fff; }
.footer-col h5 { font-size:.78rem; font-weight:700; text-transform:uppercase; letter-spacing:.8px; color:var(--text-muted); margin-bottom:16px; font-family:'Inter',sans-serif; }
.footer-col ul { list-style:none; }
.footer-col li { margin-bottom:10px; }
.footer-col a { font-size:.88rem; color:var(--text-body); }
.footer-col a:hover { color:var(--green); }
.footer-bottom { border-top:1px solid var(--border); padding:22px 0; }
.footer-bottom-row { display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; margin-bottom:10px; }
.footer-bottom p, .footer-bottom a { font-size:.82rem; color:var(--text-muted); }
.footer-bottom a:hover { color:var(--green); }
.footer-bottom-links { display:flex; gap:16px; }
.footer-disclaimer { font-size:.72rem; color:var(--text-muted); line-height:1.5; padding-bottom:12px; }

/* ---- INNER PAGE HERO ---- */
.page-hero { background:linear-gradient(135deg,#e8f5ee,#f5f0e8); padding:64px 0; }
.page-hero h1 { font-size:2.5rem; margin-bottom:12px; }
.page-hero p { font-size:1.05rem; color:var(--text-muted); max-width:600px; }

/* ---- LEGAL PAGES ---- */
.legal-content { max-width:820px; margin:0 auto; padding:60px 24px 80px; }
.legal-content h1 { font-size:2.2rem; margin-bottom:6px; }
.legal-meta { color:var(--text-muted); font-size:.88rem; margin-bottom:40px; }
.legal-content h2 { font-size:1.15rem; font-family:'Inter',sans-serif; font-weight:700; margin:30px 0 10px; color:var(--green); }
.legal-content p, .legal-content li { font-size:.95rem; color:var(--text-body); line-height:1.75; margin-bottom:10px; }
.legal-content ul { padding-left:22px; margin-bottom:14px; }

/* ---- ACCORDION / FAQ ---- */
.faq-item { border-bottom:1px solid var(--border); }
.faq-btn { width:100%; text-align:left; background:none; border:none; padding:20px 0; font-size:1rem; font-weight:600; color:var(--text-dark); cursor:pointer; display:flex; justify-content:space-between; align-items:center; gap:16px; font-family:'Inter',sans-serif; }
.faq-btn:hover { color:var(--green); }
.faq-btn svg { flex-shrink:0; transition:transform .2s; }
.faq-item.open .faq-btn svg { transform:rotate(180deg); }
.faq-answer { display:none; padding:0 0 20px; font-size:.95rem; color:var(--text-muted); line-height:1.7; }
.faq-item.open .faq-answer { display:block; }

/* ---- RESPONSIVE ---- */
@media(max-width:1024px) {
  .main-nav { display:none; }
  .hamburger { display:block; }
  .hero-card { grid-template-columns:1fr; }
  .hero-image { display:none; }
  .hero-text { padding:48px 32px; }
  .features-layout { grid-template-columns:1fr; gap:40px; }
  .footer-grid { grid-template-columns:1fr 1fr; }
}
@media(max-width:720px) {
  .hero-text h1 { font-size:2rem; }
  .coverage-grid { grid-template-columns:1fr; }
  .testi-grid { grid-template-columns:1fr; }
  .blog-grid { grid-template-columns:1fr; }
  .cta-inner { flex-direction:column; text-align:center; }
  .cta-right { flex-direction:column; }
  .footer-grid { grid-template-columns:1fr; gap:30px; }
  .hero-stats { flex-direction:column; gap:16px; }
}