/*
Theme Name: WFYI - We Find Your Insurance
Theme URI: https://wefindyourinsurance.com
Author: We Find Your Insurance
Author URI: https://wefindyourinsurance.com
Description: Custom WordPress theme for We Find Your Insurance — Connecticut's leading independent insurance brokerage. Built for maximum SEO performance with structured data, topic clusters, and city-specific landing pages.
Version: 1.0.0
Requires at least: 6.4
Tested up to: 6.7
Requires PHP: 8.1
License: Proprietary
License URI: https://wefindyourinsurance.com
Text Domain: wfyi
Tags: insurance, seo, leads, local-business
*/

/* ============================================================
   CSS CUSTOM PROPERTIES — matches React site token system
   ============================================================ */
:root {
  /* Brand Colors — matching React site (Tailwind indigo + teal) */
  --wfyi-blue-50:  #eef2ff;
  --wfyi-blue-100: #e0e7ff;
  --wfyi-blue-200: #c7d2fe;
  --wfyi-blue-300: #a5b4fc;
  --wfyi-blue-400: #818cf8;
  --wfyi-blue-500: #6366f1;
  --wfyi-blue-600: #4f46e5;
  --wfyi-blue-700: #4338ca;
  --wfyi-blue-800: #3730a3;
  --wfyi-blue-900: #312e81;

  /* Teal Accent — matches the site's bright cyan/teal */
  --wfyi-teal-300: #5eead4;
  --wfyi-teal-400: #2dd4bf;
  --wfyi-teal-500: #14b8a6;
  --wfyi-teal-600: #0d9488;

  /* Navy — deep dark blue for cards and hero areas */
  --wfyi-navy:     #1B1F5F;
  --wfyi-navy-light: #252A7A;

  /* Slate */
  --wfyi-slate-50:  #f8fafc;
  --wfyi-slate-100: #f1f5f9;
  --wfyi-slate-200: #e2e8f0;
  --wfyi-slate-300: #cbd5e1;
  --wfyi-slate-400: #94a3b8;
  --wfyi-slate-500: #64748b;
  --wfyi-slate-600: #475569;
  --wfyi-slate-700: #334155;
  --wfyi-slate-800: #1e293b;
  --wfyi-slate-900: #0f172a;

  /* Semantic Tokens */
  --color-primary:        #3730a3;
  --color-primary-dark:   #312e81;
  --color-primary-light:  #eef2ff;
  --color-accent:         #5eead4;
  --color-accent-dark:    #14b8a6;
  --color-secondary:      #4682B4;   /* Steel Blue — from source --secondary */
  --color-warm:           #F3E8D9;   /* Antique White — from source --warm */
  --color-navy:           #1B1F5F;
  --color-text:           var(--wfyi-slate-800);
  --color-text-muted:     var(--wfyi-slate-500);
  --color-bg:             #ffffff;
  --color-bg-alt:         var(--wfyi-slate-100);  /* used in chat widget + input areas */
  --color-bg-subtle:      var(--wfyi-slate-50);
  --color-border:         var(--wfyi-slate-200);
  --color-success:        #10B981;
  --color-warning:        #F59E0B;
  --color-info:           #3B82F6;
  --color-destructive:    #EF4444;

  /* Typography — bumped for 50+ audience readability */
  --font-sans: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-size-xs:   0.8125rem;   /* 13px */
  --font-size-sm:   0.9375rem;   /* 15px */
  --font-size-base: 1.0625rem;   /* 17px — was 16px */
  --font-size-lg:   1.1875rem;   /* 19px */
  --font-size-xl:   1.3125rem;   /* 21px */
  --font-size-2xl:  1.625rem;    /* 26px */
  --font-size-3xl:  2rem;        /* 32px */
  --font-size-4xl:  2.5rem;      /* 40px */
  --font-size-5xl:  3.25rem;     /* 52px */

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Layout */
  --max-width-sm:  640px;
  --max-width-md:  768px;
  --max-width-lg:  1024px;
  --max-width-xl:  1280px;
  --max-width-2xl: 1536px;
  --container:     1200px;

  /* Radius — rounder everywhere to match the reference */
  --radius-sm:   0.375rem;  /* 6px */
  --radius-md:   0.625rem;  /* 10px */
  --radius-lg:   1rem;      /* 16px — was 0.75rem */
  --radius-xl:   1.25rem;   /* 20px — was 1rem */
  --radius-2xl:  1.75rem;   /* 28px — was 1.5rem */
  --radius-3xl:  2rem;      /* 32px — modals/quote form */
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 3px 0 rgb(0 0 0 / 0.08);
  --shadow-md: 0 4px 12px -2px rgb(0 0 0 / 0.12), 0 2px 4px -2px rgb(0 0 0 / 0.08);
  --shadow-lg: 0 10px 24px -4px rgb(0 0 0 / 0.14), 0 4px 8px -4px rgb(0 0 0 / 0.1);
  --shadow-xl: 0 20px 40px -8px rgb(0 0 0 / 0.18), 0 8px 16px -6px rgb(0 0 0 / 0.12);

  /* Transitions */
  --transition-fast:   150ms ease;
  --transition-base:   250ms ease;
  --transition-slow:   350ms ease;
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-sans);
  font-size: 1.1875rem; /* 19px — matches React source mobile */
  line-height: 1.75;
  color: var(--color-text);
  background-color: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

@media (min-width: 768px) and (max-width: 1024px) {
  body { font-size: 1.3125rem; line-height: 1.8; } /* 21px on tablet — matches source */
}

@media (min-width: 1025px) {
  body { font-size: 1.125rem; line-height: 1.7; } /* 18px on desktop — matches source */
}

p, li { line-height: 1.8; margin-bottom: 0.5em; }

img, video { max-width: 100%; height: auto; display: block; }
a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; }

/* ============================================================
   LAYOUT UTILITIES
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--space-6);
}

.section { padding-block: var(--space-20); }
.section--sm { padding-block: var(--space-12); }
.section--lg { padding-block: var(--space-24); }
.section--gray { background-color: var(--color-bg-subtle); }
.section--blue { background-color: var(--wfyi-blue-900); color: white; }

.grid-2 { display: grid; gap: var(--space-8); grid-template-columns: repeat(auto-fit, minmax(min(100%, 480px), 1fr)); }
.grid-3 { display: grid; gap: var(--space-6); grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); }
.grid-4 { display: grid; gap: var(--space-6); grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); }

.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: var(--space-2); }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }

.text-center { text-align: center; }
.text-sm { font-size: var(--font-size-sm); }
.text-muted { color: var(--color-text-muted); }
.font-semibold { font-weight: 600; }
.font-bold { font-weight: 700; }

/* ============================================================
   TYPOGRAPHY — 50+ audience: large, bold, high contrast
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--wfyi-slate-900);
  letter-spacing: -0.015em;
}
/* Match Tailwind fontSize scale from source: 60px / 48px / 36px */
h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); } /* max 60px */
h2 { font-size: clamp(1.875rem, 3.5vw, 3rem); }  /* max 48px */
h3 { font-size: clamp(1.5rem, 2.5vw, 2.25rem); } /* max 36px */
h4 { font-size: clamp(1.25rem, 2vw, 1.5rem); }   /* 24-30px */
h5 { font-size: 1.25rem; }                         /* 20px */
h6 { font-size: 1.125rem; }                        /* 18px */

/* Accent color for headings (teal highlight words) */
.text-accent, .highlight-teal { color: var(--color-accent) !important; }

.section-label {
  display: inline-block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: var(--space-3);
}

.section-title {
  font-size: clamp(1.75rem, 3vw, var(--font-size-4xl));
  font-weight: 700;
  color: var(--wfyi-slate-900);
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--font-size-lg);
  color: var(--color-text-muted);
  max-width: 65ch;
  margin-bottom: var(--space-10);
}

/* ============================================================
   BUTTONS — rounder, larger for 50+ audience
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.875rem var(--space-8); /* taller hit area */
  border-radius: var(--radius-full);  /* pill shape — matches reference */
  font-size: 1.0625rem;
  font-weight: 700;
  line-height: 1;
  letter-spacing: 0.02em;
  transition: all var(--transition-fast);
  border: 2px solid transparent;
  white-space: nowrap;
  cursor: pointer;
}

.btn-primary {
  background-color: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}
.btn-primary:hover { background-color: var(--color-primary-dark); border-color: var(--color-primary-dark); color: white; text-decoration: none; }

/* Teal "Book a Time" / "SEE MY OPTIONS" style — matches reference exactly */
.btn-accent {
  background-color: var(--color-accent);
  color: var(--color-primary-dark);
  border-color: var(--color-accent);
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.btn-accent:hover { background-color: var(--color-accent-dark); color: var(--color-primary-dark); text-decoration: none; }

/* Dark navy phone/secondary button */
.btn-navy {
  background-color: var(--color-navy);
  color: white;
  border-color: var(--color-navy);
}
.btn-navy:hover { background-color: #252A7A; color: white; text-decoration: none; }

.btn-outline {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn-outline:hover { background-color: var(--color-primary); color: white; text-decoration: none; }

.btn-white {
  background-color: white;
  color: var(--color-primary);
  border-color: white;
}
.btn-white:hover { background-color: var(--wfyi-blue-50); text-decoration: none; }

.btn-lg { padding: 1.125rem var(--space-10); font-size: var(--font-size-lg); }
.btn-sm { padding: 0.625rem var(--space-5); font-size: var(--font-size-sm); border-radius: var(--radius-lg); }

/* ============================================================
   CARDS — rounder (1rem+) to match reference design
   ============================================================ */
.card {
  background: white;
  border-radius: var(--radius-xl);   /* 20px — was --radius-lg */
  border: 1px solid var(--color-border);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }

/* Dark navy card — matches the quote form card in reference */
.card--navy {
  background: var(--color-navy);
  color: white;
  border-color: transparent;
  box-shadow: var(--shadow-xl);
}
.card--navy h1, .card--navy h2, .card--navy h3, .card--navy h4 { color: white; }

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  font-size: 1.75rem;
}

.card-title { font-size: var(--font-size-xl); font-weight: 700; margin-bottom: var(--space-2); }
.card-body { color: var(--color-text-muted); font-size: var(--font-size-base); }

/* ============================================================
   BADGES
   ============================================================ */
.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  padding: 2px var(--space-3);
  border-radius: var(--radius-full);
  font-size: var(--font-size-xs);
  font-weight: 600;
  line-height: 1.5;
}
.badge-blue   { background: var(--wfyi-blue-100); color: var(--wfyi-blue-700); }
.badge-green  { background: #dcfce7; color: #15803d; }
.badge-yellow { background: #fef9c3; color: #a16207; }

/* ============================================================
   FORMS
   ============================================================ */
.form-group { margin-bottom: var(--space-4); }
.form-label { display: block; font-size: var(--font-size-sm); font-weight: 600; color: var(--wfyi-slate-700); margin-bottom: var(--space-2); }
.form-label .required { color: #dc2626; margin-left: 2px; }

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--font-size-base);
  font-family: inherit;
  color: var(--color-text);
  background: white;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  outline: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgb(37 99 235 / 0.15);
}
.form-textarea { min-height: 120px; resize: vertical; }

/* ============================================================
   CALLOUT / ALERT BOXES
   ============================================================ */
.callout {
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-6);
  border-left: 4px solid;
  margin: var(--space-6) 0;
}
.callout-tip     { background: #f0fdf4; border-color: #16a34a; }
.callout-info    { background: var(--wfyi-blue-50); border-color: var(--wfyi-blue-500); }
.callout-warning { background: #fffbeb; border-color: #d97706; }
.callout-example { background: #fdf4ff; border-color: #9333ea; }
.callout-title   { font-weight: 700; margin-bottom: var(--space-2); }

/* ============================================================
   TABLE STYLES
   ============================================================ */
.table-wrapper { overflow-x: auto; -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: var(--font-size-sm); }
thead th { background: var(--wfyi-blue-700); color: white; padding: var(--space-3) var(--space-4); text-align: left; font-weight: 600; }
tbody td { padding: var(--space-3) var(--space-4); border-bottom: 1px solid var(--color-border); }
tbody tr:hover { background: var(--color-bg-subtle); }
tbody tr:nth-child(even) { background: var(--wfyi-slate-50); }

/* ============================================================
   ARTICLE / CONTENT STYLES
   ============================================================ */
.article-content h2,
.article-content h3,
.article-content h4 { margin-top: var(--space-8); margin-bottom: var(--space-3); }

.article-content p { margin-bottom: var(--space-4); color: var(--wfyi-slate-700); }

.article-content ul,
.article-content ol {
  margin: var(--space-4) 0;
  padding-left: var(--space-6);
}
.article-content ul { list-style: disc; }
.article-content ol { list-style: decimal; }
.article-content li { margin-bottom: var(--space-2); color: var(--wfyi-slate-700); }

.article-content a { color: var(--color-primary); font-weight: 500; }
.article-content a:hover { text-decoration: underline; }

/* ============================================================
   BREADCRUMBS
   ============================================================ */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  padding: var(--space-4) 0;
}
.breadcrumb a { color: var(--color-text-muted); }
.breadcrumb a:hover { color: var(--color-primary); }
.breadcrumb-sep { opacity: 0.5; }
.breadcrumb-current { color: var(--color-text); font-weight: 500; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .container { padding-inline: var(--space-4); }
  .section { padding-block: var(--space-12); }
  .section--lg { padding-block: var(--space-16); }
  .hide-mobile { display: none !important; }
  .stack-mobile { flex-direction: column; }
}

@media (max-width: 480px) {
  .btn-lg { padding: var(--space-3) var(--space-6); font-size: var(--font-size-base); }
}

/* ============================================================
   ACCESSIBILITY
   ============================================================ */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border-width: 0; }
:focus-visible { outline: 2px solid var(--color-primary); outline-offset: 2px; }
.skip-link { position: absolute; left: -9999px; top: var(--space-4); }
.skip-link:focus { left: var(--space-4); background: var(--color-primary); color: white; padding: var(--space-2) var(--space-4); border-radius: var(--radius-md); z-index: 9999; }

/* ============================================================
   SITE HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: white;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base);
}
.site-header.is-sticky { box-shadow: var(--shadow-md); }
.site-header.is-hidden { transform: translateY(-100%); transition: transform var(--transition-slow); }

.header-top { padding: var(--space-3) 0; border-bottom: 1px solid var(--color-border); }

.site-logo { display: flex; align-items: center; gap: var(--space-3); text-decoration: none; }
.site-logo__text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-wfyi { font-size: 1.4rem; font-weight: 800; color: var(--color-primary); letter-spacing: -0.02em; }
.logo-tagline { font-size: 0.65rem; font-weight: 500; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: 0.08em; }

.header-cta { display: flex; align-items: center; gap: var(--space-4); }
.header-phone { display: flex; align-items: center; gap: var(--space-2); font-weight: 600; color: var(--color-text); font-size: var(--font-size-sm); }
.header-phone:hover { color: var(--color-primary); text-decoration: none; }

/* Primary nav — white background matching reference */
.primary-nav { background: white; border-top: 1px solid var(--color-border); }
.primary-nav .nav-menu { display: flex; align-items: center; gap: 0; list-style: none; }
.primary-nav .nav-menu li > a {
  display: block;
  padding: var(--space-4) var(--space-4);
  color: var(--wfyi-slate-700);
  font-size: var(--font-size-base);
  font-weight: 600;
  transition: color var(--transition-fast), background var(--transition-fast);
  text-decoration: none;
}
.primary-nav .nav-menu li > a:hover,
.primary-nav .nav-menu li.current-menu-item > a { color: var(--color-primary); background: var(--color-primary-light); }

/* Dropdown */
.primary-nav .nav-menu .sub-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  z-index: 999;
  list-style: none;
}
.primary-nav .nav-menu li { position: relative; }
.primary-nav .nav-menu li:hover > .sub-menu { display: block; }
.primary-nav .nav-menu .sub-menu li > a {
  color: var(--color-text);
  padding: var(--space-2) var(--space-4);
  font-size: var(--font-size-sm);
  background: transparent;
}
.primary-nav .nav-menu .sub-menu li > a:hover { color: var(--color-primary); background: var(--color-bg-subtle); }

/* Mobile toggle */
.mobile-menu-toggle { background: none; border: none; padding: var(--space-2); }
.hamburger { display: block; width: 22px; height: 2px; background: var(--color-text); position: relative; }
.hamburger::before, .hamburger::after { content: ''; display: block; width: 22px; height: 2px; background: var(--color-text); position: absolute; transition: transform var(--transition-fast); }
.hamburger::before { top: -7px; }
.hamburger::after  { top: 7px; }
.hide-desktop { display: none; }

@media (max-width: 768px) {
  .hide-mobile { display: none !important; }
  .hide-desktop { display: block !important; }
  .primary-nav { display: none; }
  .primary-nav.is-open { display: block; }
  .primary-nav .nav-menu { flex-direction: column; align-items: stretch; }
  .primary-nav .nav-menu li > a { padding: var(--space-3) var(--space-6); }
}

/* ============================================================
   SITE FOOTER — dark navy, matches live site
   ============================================================ */
.site-footer {
  background: var(--color-navy);
  color: rgba(255,255,255,.75);
}
.footer-links { padding: var(--space-16) 0 var(--space-10); }

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-10);
}
.footer-brand { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-desc { font-size: var(--font-size-base); line-height: 1.7; color: rgba(255,255,255,.65); margin-top: var(--space-2); }
.footer-contact-link { display: flex; align-items: center; gap: var(--space-2); color: rgba(255,255,255,.7); font-size: var(--font-size-base); font-weight: 500; text-decoration: none; }
.footer-contact-link:hover { color: var(--color-accent); text-decoration: none; }

.footer-col-title { color: white; font-size: var(--font-size-sm); font-weight: 800; text-transform: uppercase; letter-spacing: .12em; margin-bottom: var(--space-5); }
.footer-nav { list-style: none; display: flex; flex-direction: column; gap: var(--space-3); }
.footer-nav a { color: rgba(255,255,255,.6); font-size: var(--font-size-base); text-decoration: none; transition: color var(--transition-fast); }
.footer-nav a:hover { color: var(--color-accent); }

/* Cities / License row */
.footer-cities { border-top: 1px solid rgba(255,255,255,.1); padding-top: var(--space-8); }
.footer-cities__cols { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-8); }
@media (max-width: 640px) { .footer-cities__cols { grid-template-columns: 1fr; } }
.footer-cities__title { font-size: var(--font-size-sm); font-weight: 800; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .1em; margin-bottom: var(--space-2); }
.footer-cities p { font-size: var(--font-size-sm); color: rgba(255,255,255,.5); line-height: 1.7; margin: 0; }

/* Compliance */
.footer-compliance { background: rgba(0,0,0,.2); padding: var(--space-6) 0; }
.footer-compliance p { font-size: 0.8125rem; color: rgba(255,255,255,.4); line-height: 1.65; margin-bottom: var(--space-3); }
.footer-compliance p:last-child { margin-bottom: 0; }
.footer-compliance strong { color: rgba(255,255,255,.55); }
.footer-compliance__main { }

/* Bottom bar */
.footer-bottom { background: rgba(0,0,0,.3); padding: var(--space-5) 0; }
.footer-bottom__inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: var(--space-4); }
.footer-copyright { font-size: var(--font-size-sm); color: rgba(255,255,255,.4); }
.footer-copyright a { color: rgba(255,255,255,.4); text-decoration: none; }
.footer-copyright a:hover { color: var(--color-accent); }
.footer-legal-nav { display: flex; flex-wrap: wrap; gap: var(--space-4); }
.footer-legal-nav a { font-size: var(--font-size-sm); color: rgba(255,255,255,.4); text-decoration: none; }
.footer-legal-nav a:hover { color: var(--color-accent); }

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom__inner { flex-direction: column; text-align: center; }
  .footer-legal-nav { justify-content: center; }
}

/* ============================================================
   BREADCRUMB (city-page variant)
   ============================================================ */
.wfyi-breadcrumb { background: var(--color-bg-subtle); border-bottom: 1px solid var(--color-border); }
.wfyi-breadcrumb__list { display: flex; align-items: center; flex-wrap: wrap; gap: 0; list-style: none; padding: var(--space-3) 0; font-size: var(--font-size-sm); color: var(--color-text-muted); }
.wfyi-breadcrumb__list li + li::before { content: '›'; margin: 0 var(--space-2); opacity: .4; }
.wfyi-breadcrumb__list a { color: var(--color-text-muted); }
.wfyi-breadcrumb__list a:hover { color: var(--color-primary); text-decoration: none; }
.wfyi-breadcrumb__list li[aria-current] { color: var(--color-text); font-weight: 500; }

/* ============================================================
   CITY PAGE HERO
   ============================================================ */
.wfyi-city-hero {
  background: linear-gradient(135deg, var(--wfyi-blue-900) 0%, var(--wfyi-blue-700) 60%, var(--wfyi-blue-500) 100%);
  color: white;
  padding: var(--space-16) 0 var(--space-20);
}
.wfyi-city-hero__content { max-width: 760px; }
.wfyi-city-hero__title { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; color: white; margin-bottom: var(--space-4); line-height: 1.15; }
.wfyi-city-hero__subhead { font-size: var(--font-size-lg); color: rgba(255,255,255,.85); margin-bottom: var(--space-8); line-height: 1.6; }
.wfyi-city-hero__actions { display: flex; flex-wrap: wrap; gap: var(--space-4); margin-bottom: var(--space-6); }
.wfyi-city-hero__actions .btn-outline { border-color: rgba(255,255,255,.6); color: white; }
.wfyi-city-hero__actions .btn-outline:hover { background: rgba(255,255,255,.15); border-color: white; color: white; }
.wfyi-city-hero__zips { color: rgba(255,255,255,.55); font-size: var(--font-size-xs); margin-top: var(--space-4); }
.btn--lg { padding: var(--space-4) var(--space-8); font-size: var(--font-size-lg); }

/* ============================================================
   CITY INTRO
   ============================================================ */
.wfyi-city-intro { padding: var(--space-16) 0; }
.wfyi-city-intro__grid { display: grid; grid-template-columns: 1fr 340px; gap: var(--space-12); align-items: start; }
.wfyi-city-intro__copy h2 { margin-bottom: var(--space-4); }
.wfyi-city-intro__copy p { color: var(--color-text-muted); margin-bottom: var(--space-6); }
.wfyi-check-list { list-style: none; display: flex; flex-direction: column; gap: var(--space-2); }
.wfyi-check-list li { padding-left: var(--space-6); position: relative; color: var(--wfyi-slate-700); }
.wfyi-check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--color-success); font-weight: 700; }

.wfyi-city-intro__stats { display: flex; flex-direction: column; gap: var(--space-4); }
.stat-card { background: var(--color-bg-subtle); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--space-6) var(--space-6); text-align: center; box-shadow: var(--shadow-sm); }
.stat-card__value { font-size: 2rem; font-weight: 800; color: var(--color-primary); line-height: 1; margin-bottom: var(--space-2); }
.stat-card__label { font-size: var(--font-size-base); color: var(--color-text-muted); font-weight: 600; }

@media (max-width: 768px) {
  .wfyi-city-intro__grid { grid-template-columns: 1fr; }
  .wfyi-city-intro__stats { flex-direction: row; flex-wrap: wrap; }
  .stat-card { flex: 1 1 140px; }
}

/* ============================================================
   COVERAGE CARDS
   ============================================================ */
.wfyi-city-coverage { padding: var(--space-16) 0; background: var(--color-bg-subtle); }
.wfyi-city-coverage h2 { margin-bottom: var(--space-8); }
.wfyi-coverage-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: var(--space-6); }
.wfyi-coverage-card {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.wfyi-coverage-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: var(--color-primary); }
.wfyi-coverage-card__icon { font-size: 2rem; margin-bottom: var(--space-3); }
.wfyi-coverage-card__title { font-size: var(--font-size-base); font-weight: 700; color: var(--wfyi-slate-900); margin-bottom: var(--space-2); }
.wfyi-coverage-card__desc { font-size: var(--font-size-sm); color: var(--color-text-muted); line-height: 1.6; }

/* ============================================================
   NEIGHBORHOODS
   ============================================================ */
.wfyi-city-neighborhoods { padding: var(--space-12) 0; }
.wfyi-city-neighborhoods h2 { margin-bottom: var(--space-6); }
.wfyi-neighborhood-grid { display: flex; flex-wrap: wrap; gap: var(--space-3); }
.wfyi-neighborhood-chip {
  padding: var(--space-2) var(--space-4);
  background: var(--wfyi-blue-50);
  color: var(--wfyi-blue-700);
  border: 1px solid var(--wfyi-blue-200);
  border-radius: var(--radius-full);
  font-size: var(--font-size-sm);
  font-weight: 500;
}

/* ============================================================
   HEALTHCARE / HOSPITALS
   ============================================================ */
.wfyi-city-healthcare { padding: var(--space-12) 0; background: var(--color-bg-subtle); }
.wfyi-city-healthcare h2 { margin-bottom: var(--space-4); }
.wfyi-city-healthcare p { color: var(--color-text-muted); margin-bottom: var(--space-4); }
.wfyi-hospital-list { list-style: none; display: flex; flex-direction: column; gap: var(--space-2); }
.wfyi-hospital-list li { padding-left: var(--space-6); position: relative; color: var(--wfyi-slate-700); font-size: var(--font-size-sm); }
.wfyi-hospital-list li::before { content: '🏥'; position: absolute; left: 0; font-size: .9em; }

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.wfyi-city-faq { padding: var(--space-16) 0; }
.wfyi-city-faq h2 { margin-bottom: var(--space-8); }
.wfyi-faq-accordion { display: flex; flex-direction: column; gap: var(--space-3); max-width: 800px; }
.wfyi-faq-item {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.wfyi-faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: var(--space-5) var(--space-6);
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  font-size: var(--font-size-base);
  font-weight: 600;
  color: var(--wfyi-slate-900);
  cursor: pointer;
  gap: var(--space-4);
  transition: background var(--transition-fast);
}
.wfyi-faq-question:hover { background: var(--color-bg-subtle); }
.wfyi-faq-question[aria-expanded="true"] { background: var(--wfyi-blue-50); color: var(--color-primary); }
.wfyi-faq-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  line-height: 1;
  font-weight: 300;
  transition: transform var(--transition-fast), background var(--transition-fast);
}
.wfyi-faq-question[aria-expanded="true"] .wfyi-faq-icon {
  background: var(--color-primary);
  color: white;
  transform: rotate(45deg);
}
.wfyi-faq-answer { padding: 0 var(--space-6) var(--space-5); color: var(--wfyi-slate-700); line-height: 1.75; font-size: var(--font-size-sm); }
.wfyi-faq-answer[hidden] { display: none; }

/* ============================================================
   HUB SERVICE TILES
   ============================================================ */
.wfyi-city-services-hub { padding: var(--space-16) 0; }
.wfyi-city-services-hub h2 { margin-bottom: var(--space-4); }
.wfyi-city-services-hub > .container > p { color: var(--color-text-muted); margin-bottom: var(--space-8); }
.wfyi-services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: var(--space-4); }
.wfyi-service-tile {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: var(--space-6);
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  color: var(--color-text);
  text-decoration: none;
  transition: box-shadow var(--transition-base), transform var(--transition-base), border-color var(--transition-base);
}
.wfyi-service-tile:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: var(--color-primary); text-decoration: none; }
.wfyi-service-tile__name { font-weight: 700; font-size: var(--font-size-base); color: var(--wfyi-slate-900); margin-bottom: var(--space-3); }
.wfyi-service-tile__cta { font-size: var(--font-size-sm); color: var(--color-primary); font-weight: 600; }

/* ============================================================
   INTERNAL LINKS (nearby cities + other services)
   ============================================================ */
.wfyi-city-links { padding: var(--space-12) 0; background: var(--color-bg-subtle); }
.wfyi-city-links__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: var(--space-10); }
.wfyi-city-links__col h3 { font-size: var(--font-size-base); font-weight: 700; color: var(--wfyi-slate-900); margin-bottom: var(--space-4); padding-bottom: var(--space-3); border-bottom: 2px solid var(--color-border); }
.wfyi-city-links__col ul { list-style: none; display: flex; flex-direction: column; gap: var(--space-2); }
.wfyi-city-links__col ul a { font-size: var(--font-size-sm); color: var(--color-text-muted); }
.wfyi-city-links__col ul a:hover { color: var(--color-primary); text-decoration: none; }

/* ============================================================
   CITY BODY (unique long-form article content)
   ============================================================ */
.wfyi-city-body { padding: var(--space-16) 0; }
.wfyi-city-body__inner { max-width: 860px; }
.wfyi-city-body__inner.prose { line-height: 1.75; }
.wfyi-city-body__inner.prose h2 { font-size: clamp(1.35rem, 2.5vw, 1.7rem); font-weight: 700; color: var(--wfyi-slate-900); margin: var(--space-10) 0 var(--space-4); line-height: 1.25; }
.wfyi-city-body__inner.prose h3 { font-size: clamp(1.1rem, 2vw, 1.3rem); font-weight: 600; color: var(--wfyi-slate-800); margin: var(--space-8) 0 var(--space-3); line-height: 1.3; }
.wfyi-city-body__inner.prose h4 { font-size: 1.05rem; font-weight: 600; color: var(--wfyi-slate-700); margin: var(--space-6) 0 var(--space-2); }
.wfyi-city-body__inner.prose p { color: var(--color-text); margin-bottom: var(--space-5); font-size: var(--font-size-base); }
.wfyi-city-body__inner.prose ul,
.wfyi-city-body__inner.prose ol { padding-left: 1.5rem; margin-bottom: var(--space-5); }
.wfyi-city-body__inner.prose li { margin-bottom: var(--space-2); color: var(--color-text); }
.wfyi-city-body__inner.prose strong { font-weight: 700; color: var(--wfyi-slate-900); }
.wfyi-city-body__inner.prose em { font-style: italic; }
.wfyi-city-body__inner.prose a { color: var(--color-primary); text-decoration: underline; }
.wfyi-city-body__inner.prose a:hover { color: var(--color-primary-dark, var(--color-primary)); }
.wfyi-city-body__inner.prose blockquote { border-left: 4px solid var(--color-primary); padding: var(--space-4) var(--space-6); background: var(--color-bg-subtle); margin: var(--space-8) 0; border-radius: 0 var(--radius-md) var(--radius-md) 0; }
.wfyi-city-body__inner.prose blockquote p { color: var(--wfyi-slate-700); font-style: italic; margin-bottom: 0; }
.wfyi-city-body__inner.prose table { width: 100%; border-collapse: collapse; margin: var(--space-6) 0; font-size: var(--font-size-sm); }
.wfyi-city-body__inner.prose th { background: var(--color-primary); color: white; padding: var(--space-3) var(--space-4); text-align: left; font-weight: 600; }
.wfyi-city-body__inner.prose td { padding: var(--space-3) var(--space-4); border-bottom: 1px solid var(--color-border); }
.wfyi-city-body__inner.prose tr:nth-child(even) td { background: var(--color-bg-subtle); }
.wfyi-city-body__inner.prose .direct-answer { background: #eff6ff; border: 1px solid #bfdbfe; border-radius: var(--radius-lg); padding: var(--space-5) var(--space-6); margin-bottom: var(--space-8); font-size: 1.05rem; line-height: 1.6; }
.wfyi-city-body__inner.prose .direct-answer p { color: var(--wfyi-slate-800); margin-bottom: 0; }

/* ============================================================
   CITY AUTHOR CARD
   ============================================================ */
.wfyi-city-author { padding: var(--space-10) 0; background: var(--color-bg-subtle); border-top: 1px solid var(--color-border); }
.wfyi-author-card { display: flex; gap: var(--space-6); align-items: flex-start; padding: var(--space-6); background: white; border-radius: var(--radius-lg); box-shadow: 0 1px 4px rgba(0,0,0,.06); max-width: 860px; }
.wfyi-author-card__text { flex: 1; }
.wfyi-author-card__byline { font-size: var(--font-size-xs); text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-muted); margin-bottom: var(--space-1); }
.wfyi-author-card__name { font-size: var(--font-size-base); margin-bottom: var(--space-1); }
.wfyi-author-card__cred { font-size: var(--font-size-sm); color: var(--color-text-muted); margin-bottom: var(--space-3); }
.wfyi-author-card__desc { font-size: var(--font-size-sm); color: var(--color-text); line-height: 1.6; margin-bottom: 0; }

/* ============================================================
   HEALTHCARE SECTION — expanded lists
   ============================================================ */
.wfyi-hospital-list, .wfyi-network-list, .wfyi-pharmacy-list { margin: var(--space-3) 0 var(--space-6); padding-left: 1.4rem; }
.wfyi-hospital-list li, .wfyi-network-list li, .wfyi-pharmacy-list li { margin-bottom: var(--space-2); color: var(--color-text); font-size: var(--font-size-sm); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.wfyi-cta-banner {
  background: linear-gradient(135deg, var(--wfyi-blue-900) 0%, var(--wfyi-blue-700) 100%);
  color: white;
  padding: var(--space-16) 0;
}
.wfyi-cta-banner__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-10); flex-wrap: wrap; max-width: var(--container); margin: 0 auto; padding-inline: var(--space-6); }
.wfyi-cta-banner__copy { flex: 1; min-width: 260px; }
.wfyi-cta-banner__headline { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; color: white; margin-bottom: var(--space-3); }
.wfyi-cta-banner__subtext { color: rgba(255,255,255,.8); font-size: var(--font-size-base); }
.wfyi-cta-banner__actions { display: flex; flex-direction: column; gap: var(--space-3); align-items: flex-start; flex-shrink: 0; }
.wfyi-cta-banner__btn { display: inline-flex; align-items: center; justify-content: center; padding: 0.875rem var(--space-8); border-radius: var(--radius-full); font-weight: 800; font-size: var(--font-size-base); letter-spacing: 0.03em; cursor: pointer; transition: all var(--transition-fast); border: 2px solid transparent; text-decoration: none; white-space: nowrap; }
.wfyi-cta-banner__btn--primary { background: white; color: var(--color-primary); border-color: white; }
.wfyi-cta-banner__btn--primary:hover { background: var(--wfyi-blue-50); text-decoration: none; color: var(--color-primary); }
.wfyi-cta-banner__btn--secondary { background: transparent; color: white; border-color: rgba(255,255,255,.5); }
.wfyi-cta-banner__btn--secondary:hover { background: rgba(255,255,255,.1); border-color: white; text-decoration: none; color: white; }
@media (max-width: 768px) {
  .wfyi-cta-banner__inner { flex-direction: column; text-align: center; }
  .wfyi-cta-banner__actions { align-items: center; width: 100%; }
  .wfyi-cta-banner__btn { width: 100%; }
}

/* ============================================================
   QUOTE FORM (multi-step)
   ============================================================ */
.wfyi-quote-form-wrap { max-width: 600px; }
.form-progress-wrap { margin-bottom: var(--space-6); }
.form-progress-bg { background: var(--color-border); border-radius: var(--radius-full); height: 6px; overflow: hidden; margin-bottom: var(--space-3); }
.form-progress { background: var(--color-primary); height: 100%; border-radius: var(--radius-full); transition: width 0.4s ease; }
.form-step-labels { display: flex; justify-content: space-between; font-size: var(--font-size-xs); color: var(--color-text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: .06em; }
.form-step { animation: fadeInUp 0.25s ease; }
.form-step[hidden] { display: none; }
.form-step h4 { font-size: var(--font-size-lg); margin-bottom: var(--space-5); }
.coverage-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: var(--space-3); margin-bottom: var(--space-2); }
.coverage-option { cursor: pointer; }
.coverage-option input { position: absolute; opacity: 0; width: 0; height: 0; }
.coverage-option span {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--space-3) var(--space-2);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--font-size-sm);
  font-weight: 500;
  transition: all var(--transition-fast);
  background: white;
}
.coverage-option input:checked + span { border-color: var(--color-primary); background: var(--wfyi-blue-50); color: var(--color-primary); font-weight: 600; }
.coverage-option span:hover { border-color: var(--color-primary); }
.form-error { display: block; color: #dc2626; font-size: var(--font-size-xs); margin-top: var(--space-1); min-height: 1em; }
.form-label--check { display: flex; align-items: flex-start; gap: var(--space-3); cursor: pointer; font-weight: 400; font-size: var(--font-size-sm); color: var(--color-text-muted); }
.form-label--check input[type="checkbox"] { margin-top: 2px; flex-shrink: 0; }

/* Confirmation box after submit */
.wfyi-quote-confirm { padding: var(--space-8); text-align: center; }
.wfyi-quote-confirm .checkmark { font-size: 3rem; margin-bottom: var(--space-4); }
.wfyi-quote-confirm h3 { color: var(--color-success); margin-bottom: var(--space-2); }

/* ============================================================
   MODAL
   ============================================================ */
.wfyi-modal {
  position: fixed; inset: 0;
  z-index: 9000;
  display: flex; align-items: center; justify-content: center;
  padding: var(--space-4);
}
.wfyi-modal[hidden] { display: none; }
.wfyi-modal__backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,.55);
  backdrop-filter: blur(4px);
  cursor: pointer;
}
.wfyi-modal__content {
  position: relative;
  background: white;
  border-radius: var(--radius-3xl);  /* 32px — rounder modals */
  padding: var(--space-10);
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
}
.wfyi-modal__content h2 { margin-bottom: var(--space-6); font-size: var(--font-size-3xl); font-weight: 800; color: var(--color-primary); }
.wfyi-modal__close {
  position: absolute; top: var(--space-5); right: var(--space-5);
  background: var(--color-bg-subtle); border: none;
  font-size: 1.4rem; color: var(--color-text-muted);
  width: 40px; height: 40px;
  border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: background var(--transition-fast), color var(--transition-fast);
}
.wfyi-modal__close:hover { background: var(--color-border); color: var(--color-text); }

/* ============================================================
   PAGE HERO (general)
   ============================================================ */
.wfyi-page-hero {
  background: linear-gradient(135deg, var(--wfyi-blue-900) 0%, var(--wfyi-blue-700) 100%);
  padding: var(--space-16) 0;
  color: white;
}
.wfyi-page-hero__title { font-size: clamp(2rem, 4vw, 2.8rem); color: white; margin-bottom: var(--space-4); }
.wfyi-page-hero__subtitle { font-size: var(--font-size-lg); color: rgba(255,255,255,.8); max-width: 60ch; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.wfyi-contact-section { padding: var(--space-16) 0; }
.wfyi-contact-layout { display: grid; grid-template-columns: 1fr 1.5fr; gap: var(--space-12); align-items: start; }
.wfyi-contact-info h2, .wfyi-contact-form h2 { margin-bottom: var(--space-6); }
.wfyi-contact-info__item { display: flex; gap: var(--space-4); margin-bottom: var(--space-6); align-items: flex-start; }
.wfyi-contact-info__icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
@media (max-width: 768px) { .wfyi-contact-layout { grid-template-columns: 1fr; } }

/* ============================================================
   ARTICLE SINGLE
   ============================================================ */
.wfyi-article-single { padding: var(--space-12) 0; }
.wfyi-article-header { margin-bottom: var(--space-8); padding-bottom: var(--space-6); border-bottom: 1px solid var(--color-border); }
.wfyi-article-header h1 { font-size: clamp(1.75rem, 3vw, 2.5rem); margin-bottom: var(--space-4); }
.wfyi-article-meta { display: flex; flex-wrap: wrap; gap: var(--space-4); align-items: center; font-size: var(--font-size-sm); color: var(--color-text-muted); }
.wfyi-key-takeaways { background: var(--wfyi-blue-50); border: 1px solid var(--wfyi-blue-200); border-radius: var(--radius-lg); padding: var(--space-6); margin: var(--space-8) 0; }
.wfyi-key-takeaways h3 { color: var(--color-primary); font-size: var(--font-size-base); font-weight: 700; margin-bottom: var(--space-3); }
.wfyi-key-takeaways ul { list-style: none; }
.wfyi-key-takeaways ul li { padding-left: var(--space-5); position: relative; margin-bottom: var(--space-2); font-size: var(--font-size-sm); }
.wfyi-key-takeaways ul li::before { content: '→'; position: absolute; left: 0; color: var(--color-primary); font-weight: 700; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  .site-header, .wfyi-cta-banner, .wfyi-city-links, .wfyi-modal { display: none !important; }
  .wfyi-city-hero { background: none; color: var(--color-text); padding: var(--space-4) 0; }
  .wfyi-city-hero__title, .wfyi-city-hero__subhead { color: var(--color-text); }
}

/* ============================================================
   QUOTE FORM CARD — dark navy style matching reference screenshot
   ============================================================ */
.wfyi-quote-form-wrap {
  background: white;
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  color: var(--color-text);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
}
.wfyi-quote-form-wrap h2, .wfyi-quote-form-wrap h3 {
  color: var(--color-heading);
  font-size: var(--font-size-2xl);
  font-weight: 800;
  margin-bottom: var(--space-2);
}
.wfyi-quote-form-wrap h2 span, .wfyi-quote-form-wrap h3 span {
  color: var(--color-primary);
}
.wfyi-quote-form-wrap > p {
  color: var(--color-text-muted);
  margin-bottom: var(--space-6);
}
/* Dark (navy) version — used inside hero quote card */
.fp-quote-card .wfyi-quote-form-wrap {
  background: transparent;
  border: none;
  box-shadow: none;
  padding: 0;
  color: white;
}
.fp-quote-card .wfyi-quote-form-wrap h2,
.fp-quote-card .wfyi-quote-form-wrap h3 { color: white; text-align: center; }
.fp-quote-card .wfyi-quote-form-wrap h2 span,
.fp-quote-card .wfyi-quote-form-wrap h3 span { color: var(--color-accent); }
.fp-quote-card .wfyi-quote-form-wrap > p { color: rgba(255,255,255,0.8); text-align: center; }

/* Coverage option tiles (service selector grid) */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}
@media (max-width: 480px) { .coverage-grid { grid-template-columns: repeat(2, 1fr); } }

.coverage-option {
  background: rgba(255,255,255,0.08);
  border: 2px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-xl);
  padding: var(--space-4) var(--space-3);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  cursor: pointer;
  transition: all var(--transition-fast);
  color: white;
  font-size: var(--font-size-sm);
  font-weight: 600;
  text-align: center;
  min-height: 90px;
  justify-content: center;
}
.coverage-option .coverage-icon { font-size: 1.75rem; }
.coverage-option:hover { background: rgba(255,255,255,0.15); border-color: var(--color-accent); }
.coverage-option.selected,
.coverage-option[aria-pressed="true"] {
  background: rgba(94,234,212,0.15);
  border-color: var(--color-accent);
  color: var(--color-accent);
}

/* Quote form inputs in dark (fp-quote-card) context */
.fp-quote-card .wfyi-quote-form-wrap input[type="text"],
.fp-quote-card .wfyi-quote-form-wrap input[type="email"],
.fp-quote-card .wfyi-quote-form-wrap input[type="tel"],
.fp-quote-card .wfyi-quote-form-wrap input[type="number"],
.fp-quote-card .wfyi-quote-form-wrap select {
  background: white;
  color: var(--color-text);
  border: 2px solid transparent;
  border-radius: var(--radius-full);
  padding: 1rem 1.5rem;
  font-size: var(--font-size-base);
  font-weight: 500;
  width: 100%;
  margin-bottom: var(--space-4);
  transition: border-color var(--transition-fast);
}
.wfyi-quote-form-wrap input:focus,
.wfyi-quote-form-wrap select:focus {
  outline: none;
  border-color: var(--color-accent);
}
.wfyi-quote-form-wrap .btn-accent {
  width: 100%;
  padding: 1.125rem;
  font-size: var(--font-size-lg);
  margin-bottom: var(--space-3);
}
.wfyi-quote-form-wrap .btn-navy {
  width: 100%;
  padding: 0.875rem;
  font-size: var(--font-size-base);
}
.wfyi-quote-form-wrap .form-trust {
  text-align: center;
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.6);
  margin-top: var(--space-3);
}

/* ============================================================
   INTERACTIVE CALCULATORS — [wfyi_calculator type="..."]
   Large type, high contrast, round cards — optimized for 50+ audience
   ============================================================ */
.wfyi-calc {
  background: white;
  border-radius: var(--radius-3xl);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  margin-bottom: var(--space-8);
  font-size: var(--font-size-base);
}

.wfyi-calc__header {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-primary) 100%);
  color: white;
  padding: var(--space-8) var(--space-8);
  display: flex;
  align-items: flex-start;
  gap: var(--space-5);
}
.wfyi-calc__icon { font-size: 2.5rem; flex-shrink: 0; line-height: 1; margin-top: 2px; }
.wfyi-calc__header h3 {
  color: white;
  font-size: var(--font-size-3xl);
  font-weight: 800;
  margin-bottom: var(--space-2);
  line-height: 1.2;
}
.wfyi-calc__header p { color: rgba(255,255,255,0.85); font-size: var(--font-size-lg); }

.wfyi-calc__body {
  padding: var(--space-8);
}

.wfyi-calc__section {
  margin-bottom: var(--space-6);
  padding-bottom: var(--space-6);
  border-bottom: 1px solid var(--color-border);
}
.wfyi-calc__section:last-of-type { border-bottom: none; }
.wfyi-calc__section h4 {
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--space-4);
}
.wfyi-calc__section h4 small {
  font-size: var(--font-size-sm);
  font-weight: 400;
  color: var(--color-text-muted);
}

/* 2-column field grid */
.wfyi-calc__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-5);
}

/* Individual form fields */
.wfyi-field {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.wfyi-field label {
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--color-text);
}
.req { color: #dc2626; }
.wfyi-field__hint {
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  line-height: 1.4;
}

/* Calculator inputs */
.wfyi-calc input[type="number"],
.wfyi-calc input[type="text"],
.wfyi-calc select {
  width: 100%;
  padding: 0.875rem 1.125rem;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-lg);
  font-size: var(--font-size-base);
  font-family: var(--font-sans);
  color: var(--color-text);
  background: white;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
}
.wfyi-calc input:focus,
.wfyi-calc select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(55,48,163,0.12);
}

/* Primary calculate button */
.wfyi-calc__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  padding: 1.125rem var(--space-8);
  background: var(--color-accent);
  color: var(--color-primary-dark);
  border: none;
  border-radius: var(--radius-full);
  font-size: var(--font-size-xl);
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
  margin-top: var(--space-6);
  box-shadow: 0 4px 20px rgba(94,234,212,0.35);
}
.wfyi-calc__btn:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(94,234,212,0.45);
}
.wfyi-calc__btn--outline {
  background: transparent;
  color: var(--color-primary);
  border: 2px solid var(--color-primary);
  box-shadow: none;
  font-size: var(--font-size-base);
  margin-top: var(--space-4);
}
.wfyi-calc__btn--outline:hover { background: var(--color-primary); color: white; }

/* Results panel */
.wfyi-calc__results {
  margin-top: var(--space-8);
  padding: var(--space-6);
  background: var(--color-primary-light);
  border: 2px solid var(--color-primary);
  border-radius: var(--radius-2xl);
  animation: fadeInUp 0.4s ease;
}
.wfyi-calc__results h4 {
  font-size: var(--font-size-2xl);
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: var(--space-6);
}

/* Results table */
.wfyi-calc__table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--color-border);
  margin-bottom: var(--space-4);
}
.wfyi-calc__table thead tr {
  background: var(--color-primary);
}
.wfyi-calc__table thead th {
  padding: var(--space-4) var(--space-5);
  font-size: var(--font-size-base);
  font-weight: 700;
  color: white;
  text-align: left;
}
.wfyi-calc__table tbody tr:nth-child(odd)  { background: white; }
.wfyi-calc__table tbody tr:nth-child(even) { background: var(--wfyi-blue-50); }
.wfyi-calc__table tbody tr:hover { background: var(--color-primary-light); }
.wfyi-calc__table tbody td {
  padding: var(--space-4) var(--space-5);
  font-size: var(--font-size-base);
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  vertical-align: middle;
}
.wfyi-calc__table tbody td.val {
  font-weight: 700;
  text-align: right;
  color: var(--color-primary-dark);
  white-space: nowrap;
}
.wfyi-calc__table tbody tr.total td {
  font-size: var(--font-size-lg);
  font-weight: 800;
  background: var(--wfyi-blue-50);
  border-top: 2px solid var(--color-primary);
}
.wfyi-calc__table tbody tr.highlight td {
  background: var(--color-primary);
  color: white;
  font-size: var(--font-size-xl);
  font-weight: 800;
  border-bottom: none;
}
.wfyi-calc__table tbody tr.highlight td.val { color: var(--color-accent); }

/* KPI cards row (retirement / subsidy results) */
.wfyi-calc__kpi-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}
.wfyi-calc__kpi {
  background: white;
  border-radius: var(--radius-xl);
  padding: var(--space-5);
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
}
.wfyi-calc__kpi-label {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--space-2);
}
.wfyi-calc__kpi-value {
  font-size: var(--font-size-3xl);
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1;
}

.wfyi-calc__cost-est { font-size: var(--font-size-lg); font-weight: 600; color: var(--color-text); margin: var(--space-4) 0; }
.wfyi-calc__recommendation { font-size: var(--font-size-base); color: var(--color-text-muted); background: white; border-radius: var(--radius-lg); padding: var(--space-4); border-left: 4px solid var(--color-accent); margin-bottom: var(--space-4); }
.wfyi-calc__note { font-size: var(--font-size-sm); color: var(--color-text-muted); line-height: 1.6; margin-bottom: var(--space-4); font-style: italic; }

/* Callout boxes */
.wfyi-calc__callout {
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  margin-top: var(--space-4);
  margin-bottom: var(--space-4);
}
.wfyi-calc__callout--green {
  background: #f0fdf4;
  border: 2px solid #16a34a;
}
.wfyi-calc__callout--green strong { color: #15803d; font-size: var(--font-size-lg); display: block; margin-bottom: var(--space-2); }
.wfyi-calc__callout--green p { color: #166534; margin: 0; }
.wfyi-calc__callout--blue {
  background: var(--color-navy);
  color: white;
  border: none;
}
.wfyi-calc__callout--blue strong { color: var(--color-accent); font-size: var(--font-size-xl); display: block; margin-bottom: var(--space-2); }
.wfyi-calc__callout--blue p { color: rgba(255,255,255,0.85); margin-bottom: var(--space-4); }

/* CTA link inside calculator */
.wfyi-calc__cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  padding: 1rem var(--space-8);
  background: var(--color-primary);
  color: white !important;
  border-radius: var(--radius-full);
  font-size: var(--font-size-lg);
  font-weight: 700;
  text-decoration: none !important;
  margin-top: var(--space-4);
  transition: background var(--transition-fast), transform var(--transition-fast);
}
.wfyi-calc__cta:hover { background: var(--color-primary-dark); transform: translateY(-2px); }

/* ── Insurance Quiz ── */
.wfyi-quiz__progress { margin-bottom: var(--space-6); }
.wfyi-quiz__progress-bar {
  height: 8px;
  background: var(--color-border);
  border-radius: var(--radius-full);
  overflow: hidden;
  margin-bottom: var(--space-2);
}
.wfyi-quiz__progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary) 0%, var(--color-accent) 100%);
  border-radius: var(--radius-full);
  transition: width 0.5s ease;
}
.wfyi-quiz__progress-label {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.wfyi-quiz__question-wrap { }
.wfyi-quiz__q-text {
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-6);
  line-height: 1.35;
}
.wfyi-quiz__options {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-3);
}
.wfyi-quiz__opt {
  display: block;
  width: 100%;
  padding: 1rem 1.5rem;
  text-align: left;
  background: white;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-xl);
  font-family: var(--font-sans);
  font-size: var(--font-size-lg);
  font-weight: 600;
  color: var(--color-text);
  cursor: pointer;
  transition: all var(--transition-fast);
}
.wfyi-quiz__opt:hover { border-color: var(--color-primary); background: var(--color-primary-light); color: var(--color-primary); transform: translateX(4px); }

/* Quiz results */
.wfyi-quiz__result {
  border-radius: var(--radius-2xl);
  padding: var(--space-6) var(--space-8);
  margin-bottom: var(--space-4);
  border: 2px solid var(--color-border);
}
.wfyi-quiz__result--primary {
  background: var(--color-navy);
  border-color: var(--color-accent);
  color: white;
}
.wfyi-quiz__result--primary h4 { color: var(--color-accent); font-size: var(--font-size-2xl); }
.wfyi-quiz__result--primary p { color: rgba(255,255,255,0.85); font-size: var(--font-size-lg); }
.wfyi-quiz__result--secondary { background: var(--color-bg-subtle); }
.wfyi-quiz__result--secondary h4 { color: var(--color-primary); }
.wfyi-quiz__result-rank {
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: var(--space-2);
}
.wfyi-quiz__result--primary .wfyi-quiz__result-rank { color: var(--color-accent); }
.wfyi-quiz__result--secondary .wfyi-quiz__result-rank { color: var(--color-text-muted); }

/* ── Medicare Comparison Table ── */
.wfyi-medicare-cmp__table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-2xl);
  border: 1px solid var(--color-border);
  margin-bottom: var(--space-8);
}
.wfyi-medicare-cmp__table {
  width: 100%;
  border-collapse: collapse;
  min-width: 600px;
}
.wfyi-medicare-cmp__table thead tr { background: var(--color-navy); }
.wfyi-medicare-cmp__table thead th {
  padding: var(--space-5) var(--space-6);
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: white;
  text-align: left;
}
.wfyi-medicare-cmp__table thead th.adv-col { color: var(--color-accent); }
.wfyi-medicare-cmp__table thead th.sup-col { color: #93c5fd; }
.wfyi-medicare-cmp__table tbody tr:nth-child(odd)  { background: white; }
.wfyi-medicare-cmp__table tbody tr:nth-child(even) { background: var(--wfyi-blue-50); }
.wfyi-medicare-cmp__table tbody tr:hover { background: var(--color-primary-light); }
.wfyi-medicare-cmp__table td {
  padding: var(--space-4) var(--space-6);
  font-size: var(--font-size-base);
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  vertical-align: top;
  line-height: 1.5;
}
.wfyi-medicare-cmp__table td.feature-col {
  font-weight: 700;
  color: var(--color-text);
  white-space: nowrap;
  min-width: 180px;
}
.wfyi-medicare-cmp__table td.adv-col { color: var(--color-primary-dark); }
.wfyi-medicare-cmp__table td.sup-col { color: #1e40af; }

/* "Who it's for" grid */
.wfyi-medicare-cmp__who-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
  margin-bottom: var(--space-6);
}
@media (max-width: 640px) { .wfyi-medicare-cmp__who-grid { grid-template-columns: 1fr; } }

.wfyi-medicare-cmp__who {
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  border: 2px solid var(--color-border);
}
.wfyi-medicare-cmp__who h4 {
  font-size: var(--font-size-xl);
  font-weight: 800;
  margin-bottom: var(--space-4);
}
.wfyi-medicare-cmp__who ul { list-style: none; display: flex; flex-direction: column; gap: var(--space-3); }
.wfyi-medicare-cmp__who li {
  padding-left: var(--space-6);
  position: relative;
  font-size: var(--font-size-base);
  line-height: 1.5;
}
.wfyi-medicare-cmp__who--adv { background: #fff7ed; border-color: #fed7aa; }
.wfyi-medicare-cmp__who--adv h4 { color: #c2410c; }
.wfyi-medicare-cmp__who--adv li::before { content: '✓'; position: absolute; left: 0; color: #16a34a; font-weight: 700; }
.wfyi-medicare-cmp__who--sup { background: #eff6ff; border-color: var(--wfyi-blue-200); }
.wfyi-medicare-cmp__who--sup h4 { color: var(--color-primary); }
.wfyi-medicare-cmp__who--sup li::before { content: '✓'; position: absolute; left: 0; color: var(--color-primary); font-weight: 700; }

/* ── General data tables (shortcode results, etc.) ── */
.wfyi-data-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--color-border);
  margin: var(--space-6) 0;
  font-size: var(--font-size-base);
}
.wfyi-data-table thead tr { background: var(--color-primary); }
.wfyi-data-table thead th {
  padding: var(--space-4) var(--space-5);
  color: white;
  font-weight: 700;
  text-align: left;
}
.wfyi-data-table tbody tr:nth-child(odd)  { background: white; }
.wfyi-data-table tbody tr:nth-child(even) { background: var(--wfyi-blue-50); }
.wfyi-data-table tbody tr:hover { background: var(--color-primary-light); }
.wfyi-data-table td {
  padding: var(--space-4) var(--space-5);
  border-bottom: 1px solid var(--color-border);
  vertical-align: middle;
  line-height: 1.5;
}
.wfyi-data-table td:last-child { font-weight: 700; text-align: right; color: var(--color-primary-dark); }

/* ============================================================
   FRONT PAGE — hero, service grid, why section, CTA
   ============================================================ */

/* Hero */
.fp-hero {
  background: linear-gradient(135deg, #f8faff 0%, #eef2ff 100%);
  padding: var(--space-16) 0 var(--space-20);
}
.fp-hero__inner {
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: var(--space-12);
  align-items: center;
}
@media (max-width: 900px) {
  .fp-hero__inner { grid-template-columns: 1fr; }
  .fp-hero__card  { order: -1; }
}

.fp-hero__title {
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 900;
  color: var(--color-navy);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: var(--space-5);
}
.fp-hero__title-accent { color: var(--color-accent); display: block; }
.fp-hero__subtitle {
  font-size: var(--font-size-xl);
  color: var(--wfyi-slate-600);
  max-width: 50ch;
  margin-bottom: var(--space-6);
  line-height: 1.65;
}
.fp-hero__bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
}
.fp-hero__bullets li {
  font-size: var(--font-size-lg);
  font-weight: 600;
  color: var(--wfyi-slate-700);
  padding-left: var(--space-8);
  position: relative;
}
.fp-hero__bullets li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 24px;
  height: 24px;
  background: var(--color-accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.fp-hero__bullets li::after {
  content: '✓';
  position: absolute;
  left: 5px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 13px;
  font-weight: 800;
  color: var(--color-primary-dark);
}

.fp-hero__trust {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--font-size-base);
  color: var(--wfyi-slate-600);
}
.fp-hero__trust-badge {
  width: 40px;
  height: 40px;
  background: var(--color-primary-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}
.fp-hero__trust strong { color: var(--color-navy); }

/* Quote card */
.fp-quote-card {
  background: var(--color-navy);
  border-radius: var(--radius-3xl);
  padding: var(--space-8);
  color: white;
  box-shadow: 0 24px 64px rgba(27,31,95,0.35);
}
.fp-quote-card__eyebrow {
  font-size: var(--font-size-xs);
  font-weight: 700;
  letter-spacing: 0.15em;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  text-align: center;
  margin-bottom: 2px;
}
.fp-quote-card__title {
  font-size: var(--font-size-2xl);
  font-weight: 900;
  color: var(--color-accent);
  text-align: center;
  letter-spacing: 0.04em;
  margin-bottom: var(--space-2);
}
.fp-quote-card__subtitle {
  font-size: var(--font-size-base);
  color: rgba(255,255,255,0.8);
  text-align: center;
  margin-bottom: var(--space-6);
}
.fp-quote-card__question {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: white;
  margin-bottom: var(--space-4);
}

/* Service tile grid inside the card */
.fp-service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}
.fp-service-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  background: rgba(255,255,255,0.08);
  border: 2px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-xl);
  padding: var(--space-4) var(--space-2);
  cursor: pointer;
  transition: all var(--transition-fast);
  min-height: 90px;
  justify-content: center;
  text-align: center;
}
.fp-service-tile:hover {
  background: rgba(255,255,255,0.15);
  border-color: var(--color-accent);
}
.fp-service-tile__input { display: none; }
.fp-service-tile:has(.fp-service-tile__input:checked),
.fp-service-tile.is-selected {
  background: rgba(94,234,212,0.18);
  border-color: var(--color-accent);
}
.fp-service-tile__icon { font-size: 1.75rem; line-height: 1; }
.fp-service-tile__label {
  font-size: 0.8rem;
  font-weight: 700;
  color: white;
  line-height: 1.2;
}
.fp-service-tile:has(.fp-service-tile__input:checked) .fp-service-tile__label { color: var(--color-accent); }

/* ZIP input */
.fp-quote-card__zip {
  display: block;
  width: 100%;
  padding: 1rem 1.5rem;
  background: white;
  color: var(--wfyi-slate-800);
  border: 2px solid transparent;
  border-radius: var(--radius-full);
  font-size: var(--font-size-lg);
  font-family: var(--font-sans);
  margin-bottom: var(--space-3);
  transition: border-color var(--transition-fast);
}
.fp-quote-card__zip:focus { outline: none; border-color: var(--color-accent); }
.fp-quote-card__zip::placeholder { color: var(--wfyi-slate-400); }

/* Submit button */
.fp-quote-card__submit {
  display: block;
  width: 100%;
  padding: 1.125rem;
  background: var(--color-accent);
  color: var(--color-navy);
  border: none;
  border-radius: var(--radius-full);
  font-family: var(--font-sans);
  font-size: var(--font-size-xl);
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background var(--transition-fast), transform var(--transition-fast);
  margin-bottom: var(--space-3);
  box-shadow: 0 4px 20px rgba(94,234,212,0.4);
}
.fp-quote-card__submit:hover { background: var(--color-accent-dark); transform: translateY(-2px); }

/* Phone button */
.fp-quote-card__phone {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  width: 100%;
  padding: 0.875rem;
  background: rgba(255,255,255,0.12);
  color: white;
  border: none;
  border-radius: var(--radius-full);
  font-size: var(--font-size-base);
  font-weight: 700;
  text-decoration: none;
  margin-bottom: var(--space-4);
  transition: background var(--transition-fast);
}
.fp-quote-card__phone:hover { background: rgba(255,255,255,0.2); color: white; text-decoration: none; }

.fp-quote-card__trust {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.55);
  text-align: center;
  margin-bottom: var(--space-1);
}
.fp-quote-card__selected {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.55);
  text-align: center;
  margin: 0;
}
.fp-quote-card__selected strong { color: rgba(255,255,255,0.85); }

/* Service cards grid (below hero) */
.fp-services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}
.fp-service-card {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: var(--color-text);
  transition: all var(--transition-base);
  box-shadow: var(--shadow-sm);
  position: relative;
}
.fp-service-card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
  border-color: var(--color-primary);
  text-decoration: none;
  color: var(--color-text);
}
.fp-service-card__icon {
  font-size: 3rem;
  margin-bottom: var(--space-4);
  line-height: 1;
}
.fp-service-card__badge {
  position: absolute;
  top: var(--space-4);
  right: var(--space-4);
  background: var(--color-accent);
  color: var(--color-navy);
  font-size: var(--font-size-xs);
  font-weight: 800;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.fp-service-card__title {
  font-size: var(--font-size-2xl);
  font-weight: 800;
  color: var(--color-navy);
  margin-bottom: var(--space-2);
  line-height: 1.2;
}
.fp-service-card__desc {
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  flex: 1;
  line-height: 1.6;
  margin-bottom: var(--space-4);
}
.fp-service-card__link {
  font-size: var(--font-size-base);
  font-weight: 700;
  color: var(--color-primary);
  margin-top: auto;
}
.fp-service-card:hover .fp-service-card__link { color: var(--color-accent-dark); }

/* Why section */
.fp-why { background: white; }
.fp-why__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
@media (max-width: 768px) { .fp-why__inner { grid-template-columns: 1fr; } }
.fp-why__item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  margin-bottom: var(--space-4);
  font-size: var(--font-size-lg);
}
.fp-why__check {
  width: 28px;
  height: 28px;
  background: var(--color-accent);
  color: var(--color-navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 14px;
  flex-shrink: 0;
  margin-top: 2px;
}

/* CTA section */
.fp-cta-section {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-primary) 60%, #4682B4 100%);
  padding: var(--space-20) 0;
}

/* ============================================================
   FRONT PAGE — services, trust, about, faq, cta additions
   ============================================================ */

/* Section header shared pattern */
.fp-section-header { text-align: center; margin-bottom: var(--space-12); }
.fp-eyebrow { font-size: var(--font-size-sm); font-weight: 700; color: var(--color-primary); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: var(--space-2); }
.fp-section-header h2 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; color: var(--wfyi-slate-900); margin-bottom: var(--space-4); line-height: 1.15; }
.fp-section-sub { font-size: var(--font-size-xl); color: var(--color-text-muted); max-width: 55ch; margin: 0 auto; line-height: 1.65; }

/* Services section */
.fp-services-section { background: #fdf8f3; padding: var(--space-20) 0; }
.fp-services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: var(--space-6); }

.fp-svc-card {
  background: white;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  display: flex; flex-direction: column;
  text-decoration: none; color: var(--color-text);
  transition: all var(--transition-base);
  box-shadow: var(--shadow-sm);
}
.fp-svc-card:hover { box-shadow: var(--shadow-xl); transform: translateY(-4px); border-color: var(--color-primary); text-decoration: none; }
.fp-svc-card__icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 900;
  margin-bottom: var(--space-5);
  flex-shrink: 0;
}
.fp-svc-card__title { font-size: var(--font-size-2xl); font-weight: 800; color: var(--wfyi-slate-900); margin-bottom: var(--space-3); line-height: 1.2; }
.fp-svc-card__desc { font-size: var(--font-size-base); color: var(--color-text-muted); flex: 1; line-height: 1.65; margin-bottom: var(--space-5); }
.fp-svc-card__cta { font-size: var(--font-size-base); font-weight: 700; color: var(--color-primary); margin-top: auto; }
.fp-svc-card:hover .fp-svc-card__cta { color: var(--color-accent-dark); }

/* Local Trust section */
.fp-trust { background: white; padding: var(--space-20) 0; }
.fp-trust__grid { display: grid; grid-template-columns: 1fr 420px; gap: var(--space-10); align-items: start; }
@media (max-width: 900px) { .fp-trust__grid { grid-template-columns: 1fr; } }

.fp-trust__map { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md); }
.fp-trust__info { display: flex; flex-direction: column; gap: var(--space-5); }

.fp-trust__card {
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  display: flex; gap: var(--space-4); align-items: flex-start;
}
.fp-trust__card-icon { font-size: 2rem; flex-shrink: 0; }
.fp-trust__card h4 { font-size: var(--font-size-lg); font-weight: 800; color: var(--color-primary); margin-bottom: var(--space-2); }
.fp-trust__card p { font-size: var(--font-size-base); color: var(--color-text-muted); margin-bottom: var(--space-1); line-height: 1.5; }
.fp-trust__card p:last-child { margin-bottom: 0; }
.fp-trust__card strong { color: var(--color-text); }

.fp-trust__areas-label { font-size: var(--font-size-sm); font-weight: 700; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: var(--space-3); }
.fp-trust__chips { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.fp-trust__chips span {
  background: var(--color-primary-light);
  color: var(--color-primary-dark);
  border: 1px solid var(--wfyi-blue-200);
  border-radius: var(--radius-full);
  padding: var(--space-2) var(--space-4);
  font-size: var(--font-size-sm);
  font-weight: 700;
}

/* About / Team section */
.fp-about { background: var(--color-bg-subtle); padding: var(--space-20) 0; }
.fp-about__inner { display: grid; grid-template-columns: 340px 1fr; gap: var(--space-12); align-items: start; }
@media (max-width: 900px) { .fp-about__inner { grid-template-columns: 1fr; } }

.fp-about__img { width: 100%; border-radius: var(--radius-2xl); box-shadow: var(--shadow-xl); aspect-ratio: 3/4; object-fit: cover; }
.fp-about__img-placeholder {
  background: linear-gradient(135deg, var(--color-navy), var(--color-primary));
  border-radius: var(--radius-2xl);
  aspect-ratio: 3/4;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: var(--space-3); color: white; text-align: center;
}
.fp-about__img-placeholder span:first-child { font-size: 5rem; }
.fp-about__img-placeholder strong { font-size: var(--font-size-xl); }
.fp-about__img-placeholder span:last-child { font-size: var(--font-size-sm); opacity: 0.8; }

.fp-stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); margin-bottom: var(--space-6); }
@media (max-width: 600px) { .fp-stats-grid { grid-template-columns: repeat(2, 1fr); } }
.fp-stat {
  background: white;
  border-radius: var(--radius-xl);
  padding: var(--space-5) var(--space-4);
  text-align: center;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column; gap: var(--space-1);
}
.fp-stat strong { font-size: var(--font-size-3xl); font-weight: 900; color: var(--color-primary); line-height: 1; }
.fp-stat span { font-size: var(--font-size-sm); color: var(--color-text-muted); font-weight: 600; }

.fp-credentials { display: flex; gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-8); }
.fp-credential {
  background: white; border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-5); display: flex; flex-direction: column; gap: 2px;
}
.fp-credential__label { font-size: var(--font-size-xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--color-text-muted); }
.fp-credential span:last-child { font-size: var(--font-size-base); font-weight: 600; color: var(--color-text); }

.fp-values h4 { font-size: var(--font-size-xl); font-weight: 800; color: var(--color-primary); margin-bottom: var(--space-4); }
.fp-value { margin-bottom: var(--space-4); padding-left: var(--space-4); border-left: 3px solid var(--color-accent); }
.fp-value strong { display: block; font-size: var(--font-size-lg); font-weight: 700; color: var(--color-text); margin-bottom: var(--space-1); }
.fp-value p { font-size: var(--font-size-base); color: var(--color-text-muted); margin: 0; }

/* FAQ section */
.fp-faq { background: white; padding: var(--space-20) 0; }
.fp-faq__list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: var(--space-3); }

.fp-faq__item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.fp-faq__item.is-open { border-color: var(--color-primary); box-shadow: var(--shadow-md); }

.fp-faq__q {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: none; border: none; font-family: var(--font-sans);
  font-size: var(--font-size-lg); font-weight: 700; color: var(--color-text);
  text-align: left; cursor: pointer;
  transition: background var(--transition-fast), color var(--transition-fast);
}
.fp-faq__q:hover { background: var(--color-bg-subtle); }
.fp-faq__item.is-open .fp-faq__q { color: var(--color-primary); background: var(--color-primary-light); }

.fp-faq__chevron { flex-shrink: 0; transition: transform var(--transition-base); color: var(--color-text-muted); }
.fp-faq__item.is-open .fp-faq__chevron { transform: rotate(180deg); color: var(--color-primary); }

.fp-faq__a { padding: 0 var(--space-6) var(--space-6); }
.fp-faq__a p { font-size: var(--font-size-lg); color: var(--color-text-muted); line-height: 1.75; margin: 0; }

/* ZIP strip */
.fp-zip-strip {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-primary) 100%);
  padding: var(--space-8) 0;
}
.fp-zip-strip__inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: var(--space-5); text-align: center; flex-direction: column; }
.fp-zip-strip__text { color: rgba(255,255,255,0.85); font-size: var(--font-size-lg); max-width: 50ch; }
.fp-zip-strip__form { display: flex; gap: var(--space-2); flex-wrap: wrap; justify-content: center; }
.fp-zip-strip__input-wrap {
  display: flex; align-items: center;
  background: white; border-radius: var(--radius-full);
  overflow: hidden; padding: 0 var(--space-3);
}
.fp-zip-strip__prefix { font-size: var(--font-size-sm); font-weight: 700; color: var(--color-text-muted); padding-right: var(--space-2); }
.fp-zip-strip__select { border: none; background: transparent; font-size: var(--font-size-base); font-family: var(--font-sans); padding: 0.875rem var(--space-2); color: var(--color-text); cursor: pointer; appearance: none; }
.fp-zip-strip__btn {
  background: var(--color-accent); color: var(--color-navy);
  border: none; border-radius: var(--radius-full);
  padding: 0.875rem var(--space-8);
  font-family: var(--font-sans); font-size: var(--font-size-lg); font-weight: 800;
  cursor: pointer; white-space: nowrap;
  transition: background var(--transition-fast);
}
.fp-zip-strip__btn:hover { background: var(--color-accent-dark); }
.fp-zip-strip__phone { color: rgba(255,255,255,0.85); font-size: var(--font-size-base); font-weight: 600; text-decoration: none; }
.fp-zip-strip__phone:hover { color: var(--color-accent); text-decoration: none; }
.fp-zip-strip__sub { font-size: var(--font-size-sm); color: rgba(255,255,255,0.5); }

/* Big CTA section */
.fp-cta-section {
  background: linear-gradient(150deg, var(--color-navy) 0%, var(--color-primary) 50%, #4682B4 100%);
  padding: var(--space-20) 0;
}
.fp-cta__inner { display: grid; grid-template-columns: 1fr 440px; gap: var(--space-12); align-items: start; }
@media (max-width: 900px) { .fp-cta__inner { grid-template-columns: 1fr; } }

.fp-cta__form-card {
  background: white;
  border-radius: var(--radius-3xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-xl);
}
.fp-cta-input {
  display: block; width: 100%;
  padding: 0.875rem 1.25rem;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-lg);
  font-size: var(--font-size-base); font-family: var(--font-sans);
  color: var(--color-text); background: white;
  margin-bottom: var(--space-4);
  transition: border-color var(--transition-fast);
  appearance: none;
}
.fp-cta-input:focus { outline: none; border-color: var(--color-primary); }

/* ── Top info bar (license/contact strip, like reference) ── */
.wfyi-top-bar {
  background: var(--color-navy);
  color: rgba(255,255,255,0.9);
  font-size: var(--font-size-sm);
  padding: var(--space-2) 0;
}
.wfyi-top-bar a { color: rgba(255,255,255,0.9); }
.wfyi-top-bar a:hover { color: var(--color-accent); text-decoration: none; }
.wfyi-top-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
}
.wfyi-top-bar__left, .wfyi-top-bar__right {
  display: flex;
  align-items: center;
  gap: var(--space-5);
}
@media (max-width: 768px) { .wfyi-top-bar__right { display: none; } }

/* ── Neighborhood chips ── */
.wfyi-neighborhood-chip {
  display: inline-flex;
  align-items: center;
  padding: var(--space-2) var(--space-5);
  background: var(--color-primary-light);
  color: var(--color-primary-dark);
  border-radius: var(--radius-full);
  font-size: var(--font-size-sm);
  font-weight: 700;
  border: 1px solid var(--wfyi-blue-200);
  transition: all var(--transition-fast);
}
.wfyi-neighborhood-chip:hover { background: var(--color-primary); color: white; border-color: var(--color-primary); text-decoration: none; }

/* calc error */
.wfyi-calc-error { color: #dc2626; background: #fef2f2; border: 1px solid #fecaca; border-radius: var(--radius-lg); padding: var(--space-4); font-weight: 600; }

/* ════════════════════════════════════════════════════════════════
   5-STEP QUOTE FORM
   ════════════════════════════════════════════════════════════════ */

/* Progress bar */
.qf-progress { margin-bottom: var(--space-6); }
.qf-progress__bar { height: 6px; background: var(--color-border); border-radius: var(--radius-full); overflow: hidden; margin-bottom: var(--space-3); }
.qf-progress__fill { height: 100%; background: var(--color-primary); border-radius: var(--radius-full); transition: width 0.4s ease; }
.qf-progress__labels { display: flex; justify-content: space-between; }
.qf-prog-lbl { font-size: .7rem; color: var(--color-text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; transition: color .3s; }
.qf-prog-lbl.active { color: var(--color-primary); }
.qf-prog-lbl.done   { color: var(--color-accent-dark); }

/* Step sub-heading */
.qf-step__sub { font-size: var(--font-size-base); color: var(--color-text-muted); margin-bottom: var(--space-5); }

/* Step 1: Insurance type card grid */
.qf-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}
@media (max-width: 480px) { .qf-type-grid { grid-template-columns: repeat(2, 1fr); } }
.qf-type-card { cursor: pointer; position: relative; display: contents; }
.qf-type-card input { position: absolute; opacity: 0; width: 0; height: 0; pointer-events: none; }
.qf-type-card__inner {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  padding: var(--space-4) var(--space-3);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-xl);
  background: white;
  cursor: pointer;
  transition: border-color .2s, background .2s, box-shadow .2s;
  user-select: none;
}
.qf-type-card__icon  { font-size: 1.75rem; margin-bottom: var(--space-2); line-height: 1; }
.qf-type-card__label { font-weight: 700; font-size: var(--font-size-sm); margin-bottom: 2px; }
.qf-type-card__desc  { font-size: .72rem; color: var(--color-text-muted); }
.qf-type-card__inner:hover { border-color: var(--color-primary); background: var(--wfyi-blue-50); }
.qf-type-card:has(input:checked) .qf-type-card__inner,
.qf-type-card__inner.is-selected {
  border-color: var(--color-primary);
  background: var(--wfyi-blue-50);
  box-shadow: 0 0 0 3px rgba(55,48,163,.15);
}

/* Pill option groups (step 2) */
.qf-option-group { display: flex; flex-wrap: wrap; gap: var(--space-2); margin-top: var(--space-2); }
.qf-opt-pill { cursor: pointer; }
.qf-opt-pill input { position: absolute; opacity: 0; width: 0; height: 0; }
.qf-opt-pill span {
  display: inline-block;
  padding: var(--space-2) var(--space-4);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-full);
  font-size: var(--font-size-sm);
  font-weight: 500;
  background: white;
  transition: all .2s;
  cursor: pointer;
}
.qf-opt-pill:hover span { border-color: var(--color-primary); background: var(--wfyi-blue-50); }
.qf-opt-pill:has(input:checked) span { border-color: var(--color-primary); background: var(--color-primary); color: white; }

/* Nav row */
.qf-nav { display: flex; gap: var(--space-3); margin-top: var(--space-6); }
.qf-nav .btn { flex: 1; }
.qf-nav .btn-primary { flex: 2; }
.qf-btn-next, .qf-btn-submit { width: 100%; }

/* Grid helpers inside form */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-3); }
@media (max-width: 600px) { .grid-3 { grid-template-columns: 1fr; } }

/* Review summary table */
.qf-review { margin-bottom: var(--space-6); }
.qf-review__table { width: 100%; border-collapse: collapse; font-size: var(--font-size-sm); }
.qf-review__table th, .qf-review__table td { padding: var(--space-2) var(--space-3); text-align: left; border-bottom: 1px solid var(--color-border); }
.qf-review__table th { color: var(--color-text-muted); font-weight: 600; white-space: nowrap; width: 40%; }
.qf-review__table td { font-weight: 500; }
.qf-review__edit { margin-top: var(--space-3); font-size: var(--font-size-sm); }
.qf-link-btn { background: none; border: none; color: var(--color-primary); font-size: inherit; font-weight: 600; cursor: pointer; text-decoration: underline; padding: 0; }
.qf-link-btn:hover { color: var(--color-primary-dark); }

/* Consent block */
.qf-consent { background: var(--wfyi-blue-50); border: 1px solid var(--wfyi-blue-200); border-radius: var(--radius-lg); padding: var(--space-5); margin-bottom: var(--space-5); }
.form-label--check { display: flex; gap: var(--space-3); align-items: flex-start; cursor: pointer; font-size: var(--font-size-sm); line-height: 1.4; }
.form-label--check input[type="checkbox"] { flex-shrink: 0; margin-top: 2px; width: 16px; height: 16px; accent-color: var(--color-primary); }

/* In-form style for the fp-quote-card dark context */
.fp-quote-card .qf-type-card__inner { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.25); color: white; }
.fp-quote-card .qf-type-card__desc { color: rgba(255,255,255,.7); }
.fp-quote-card .qf-type-card__inner:hover { border-color: var(--color-accent); background: rgba(255,255,255,.2); }
.fp-quote-card .qf-type-card:has(input:checked) .qf-type-card__inner { border-color: var(--color-accent); background: rgba(94,234,212,.2); }
.fp-quote-card .qf-step__sub { color: rgba(255,255,255,.75); }
.fp-quote-card .qf-prog-lbl { color: rgba(255,255,255,.5); }
.fp-quote-card .qf-prog-lbl.active { color: var(--color-accent); }
.fp-quote-card .qf-progress__bar { background: rgba(255,255,255,.2); }
.fp-quote-card .form-input,
.fp-quote-card .form-select { background: rgba(255,255,255,.15); border-color: rgba(255,255,255,.3); color: white; }
.fp-quote-card .form-input::placeholder { color: rgba(255,255,255,.5); }
.fp-quote-card .form-label { color: rgba(255,255,255,.85); }
.fp-quote-card .qf-consent { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); color: white; }
.fp-quote-card .qf-review { background: rgba(255,255,255,.1); border-radius: var(--radius-lg); padding: var(--space-3); }
.fp-quote-card .qf-review__table th, .fp-quote-card .qf-review__table td { border-color: rgba(255,255,255,.2); color: white; }
.fp-quote-card .form-disclaimer { color: rgba(255,255,255,.55); }

/* ============================================================
   AI LIVE CHAT WIDGET
   ============================================================ */

#wfyi-chat-root { position: fixed; bottom: 24px; right: 24px; z-index: 9999; font-family: var(--font-sans); }

/* Bubble */
#wfyi-chat-bubble {
    width: 56px; height: 56px;
    background: var(--color-primary);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    cursor: pointer;
    box-shadow: 0 4px 16px rgba(55,48,163,.4);
    transition: transform .2s, box-shadow .2s;
    position: relative;
}
#wfyi-chat-bubble:hover { transform: scale(1.1); box-shadow: 0 6px 24px rgba(55,48,163,.5); }
#wfyi-chat-bubble:focus-visible { outline: 2px solid var(--color-accent); outline-offset: 3px; }
.wfyi-chat-bubble__icon { font-size: 24px; line-height: 1; }
.wfyi-chat-bubble__badge {
    position: absolute; top: -4px; right: -4px;
    background: #ef4444; color: #fff;
    font-size: 10px; font-weight: 700;
    width: 18px; height: 18px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    border: 2px solid #fff;
}

/* Panel */
#wfyi-chat-panel {
    position: absolute;
    bottom: 70px; right: 0;
    width: 340px; height: 500px;
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 8px 32px rgba(0,0,0,.18);
    display: flex; flex-direction: column;
    overflow: hidden;
    border: 1px solid var(--color-border);
}
@media (max-width: 400px) {
    #wfyi-chat-panel { width: calc(100vw - 32px); right: 0; }
}

/* Panel header */
.wfyi-chat-panel__header {
    background: var(--color-primary);
    color: #fff;
    padding: 12px 16px;
    display: flex; align-items: center; justify-content: space-between;
    flex-shrink: 0;
}
.wfyi-chat-panel__header-info { display: flex; align-items: center; gap: 10px; }
.wfyi-chat-panel__avatar { font-size: 28px; line-height: 1; }
.wfyi-chat-panel__title { font-size: 15px; font-weight: 700; line-height: 1.2; }
.wfyi-chat-panel__subtitle { font-size: 11px; opacity: .75; margin-top: 2px; }
.wfyi-chat-panel__close {
    background: none; border: none; color: #fff;
    font-size: 18px; cursor: pointer; padding: 4px; line-height: 1;
    opacity: .8; transition: opacity .15s;
}
.wfyi-chat-panel__close:hover { opacity: 1; }

/* Messages area */
.wfyi-chat-panel__messages {
    flex: 1; overflow-y: auto; padding: 16px 12px;
    display: flex; flex-direction: column; gap: 10px;
    scroll-behavior: smooth;
}
.wfyi-chat-panel__messages::-webkit-scrollbar { width: 4px; }
.wfyi-chat-panel__messages::-webkit-scrollbar-thumb { background: var(--color-border); border-radius: 2px; }

/* Message bubbles */
.wfyi-chat-msg { display: flex; }
.wfyi-chat-msg--user { justify-content: flex-end; }
.wfyi-chat-msg--assistant { justify-content: flex-start; }
.wfyi-chat-msg__bubble {
    max-width: 80%; padding: 8px 12px;
    border-radius: 14px; font-size: 13.5px; line-height: 1.5;
    word-wrap: break-word;
}
.wfyi-chat-msg--user .wfyi-chat-msg__bubble {
    background: var(--color-primary); color: #fff;
    border-bottom-right-radius: 4px;
}
.wfyi-chat-msg--assistant .wfyi-chat-msg__bubble {
    background: var(--color-bg-alt, #f3f4f6); color: var(--color-text);
    border-bottom-left-radius: 4px;
}
.wfyi-chat-msg__bubble a { color: var(--color-primary); }
.wfyi-chat-msg--user .wfyi-chat-msg__bubble a { color: var(--color-accent); }
.wfyi-chat-msg__bubble h4 { font-size: 13px; font-weight: 700; margin: 6px 0 3px; }
.wfyi-chat-msg__bubble ul { margin: 4px 0 4px 16px; padding: 0; }
.wfyi-chat-msg__bubble li { margin-bottom: 2px; }
.wfyi-chat-msg__bubble code { font-size: 12px; background: rgba(0,0,0,.07); padding: 1px 4px; border-radius: 3px; }

/* Typing dots */
.wfyi-chat-typing .wfyi-chat-msg__bubble { display: flex; gap: 4px; align-items: center; padding: 12px 14px; }
.wfyi-typing-dot {
    width: 7px; height: 7px; border-radius: 50%;
    background: var(--color-text-muted, #9ca3af);
    animation: wfyi-bounce .9s infinite ease-in-out;
}
.wfyi-typing-dot:nth-child(2) { animation-delay: .15s; }
.wfyi-typing-dot:nth-child(3) { animation-delay: .3s; }
@keyframes wfyi-bounce {
    0%, 80%, 100% { transform: translateY(0); opacity: .5; }
    40% { transform: translateY(-5px); opacity: 1; }
}

/* Footer / input area */
.wfyi-chat-panel__footer {
    border-top: 1px solid var(--color-border); padding: 10px 12px 8px;
    flex-shrink: 0; background: #fff;
}
.wfyi-chat-panel__input-wrap {
    display: flex; align-items: flex-end; gap: 8px;
    background: var(--color-bg-alt, #f3f4f6);
    border: 1px solid var(--color-border);
    border-radius: 10px; padding: 6px 8px;
}
.wfyi-chat-panel__input {
    flex: 1; background: transparent; border: none;
    resize: none; font-family: inherit; font-size: 13.5px;
    line-height: 1.45; min-height: 22px; max-height: 100px;
    color: var(--color-text); outline: none;
}
.wfyi-chat-panel__input::placeholder { color: var(--color-text-muted, #9ca3af); }
.wfyi-chat-panel__send {
    background: var(--color-primary); color: #fff;
    border: none; border-radius: 7px;
    width: 32px; height: 32px; flex-shrink: 0;
    display: flex; align-items: center; justify-content: center;
    cursor: pointer; transition: background .15s;
}
.wfyi-chat-panel__send:hover { background: #312e81; }
.wfyi-chat-panel__send:disabled { background: var(--color-border); cursor: not-allowed; }
.wfyi-chat-panel__disclaimer {
    font-size: 10px; color: var(--color-text-muted, #9ca3af);
    margin: 5px 0 0; text-align: center; line-height: 1.3;
}
.wfyi-chat-panel__disclaimer a { color: var(--color-primary); }

/* ============================================================
   DESIGN TOKEN PARITY — Gradients, shadows, patterns, animations
   Ported from source index.css @layer utilities
   ============================================================ */

/* Gradient utilities */
.gradient-primary {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
}
.gradient-accent {
  background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-primary) 100%);
}
.gradient-warm {
  background: linear-gradient(135deg, var(--color-warm) 0%, var(--color-bg) 100%);
}
.gradient-hero {
  background: linear-gradient(135deg, hsl(243 74% 38%) 0%, hsl(243 74% 48%) 50%, var(--color-secondary) 100%);
}
.gradient-hero-bold {
  background: linear-gradient(150deg, hsl(243 80% 35%) 0%, hsl(243 74% 50%) 40%, hsl(225 74% 55%) 100%);
}
.gradient-section {
  background: linear-gradient(180deg, var(--color-bg-subtle) 0%, var(--color-bg) 100%);
}
.gradient-section-alt {
  background: linear-gradient(180deg, hsl(243 74% 98%) 0%, var(--color-bg) 100%);
}
.gradient-card-primary {
  background: linear-gradient(145deg, hsl(243 80% 38%) 0%, hsl(243 74% 50%) 100%);
}
.gradient-card-accent {
  background: linear-gradient(145deg, hsl(168 84% 40%) 0%, hsl(168 70% 50%) 100%);
}
.gradient-muted {
  background: linear-gradient(180deg, var(--color-bg-subtle) 0%, var(--color-bg) 100%);
}

/* Shadow utilities */
.shadow-brand    { box-shadow: 0 10px 40px -10px rgba(55,48,163,.3); }
.shadow-accent   { box-shadow: 0 10px 40px -10px rgba(94,234,212,.4); }
.shadow-soft     { box-shadow: 0 4px 20px -4px rgba(0,0,0,.1); }
.shadow-glow-primary { box-shadow: 0 8px 32px -8px rgba(55,48,163,.35); }
.shadow-glow-accent  { box-shadow: 0 8px 32px -8px rgba(94,234,212,.35); }

/* Pattern utilities */
.pattern-dots {
  background-image: radial-gradient(rgba(55,48,163,.1) 1px, transparent 1px);
  background-size: 20px 20px;
}
.pattern-grid {
  background-image:
    linear-gradient(rgba(203,213,225,.5) 1px, transparent 1px),
    linear-gradient(90deg, rgba(203,213,225,.5) 1px, transparent 1px);
  background-size: 40px 40px;
}

/* Text utilities */
.text-balance { text-wrap: balance; }
.text-on-dark { color: white; font-weight: 500; }

/* Accent text shadow (improves teal-on-white contrast) */
.text-accent {
  text-shadow: 0 1px 2px rgba(15,23,42,.18), 0 0 1px rgba(15,23,42,.10);
}
.bg-primary .text-accent,
.bg-navy .text-accent { text-shadow: none; }

/* ── Keyframe animations — ported from tailwind.config.ts ───────────────── */
@keyframes fade-in {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fade-in-up {
  from { opacity: 0; transform: translateY(40px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes scale-in {
  from { opacity: 0; transform: scale(0.95); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes wfyi-float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
@keyframes wfyi-pulse-soft {
  0%, 100% { opacity: 1; }
  50%       { opacity: 0.8; }
}
@keyframes slide-in-right {
  from { transform: translateX(100%); }
  to   { transform: translateX(0); }
}
@keyframes slide-out-right {
  from { transform: translateX(0); }
  to   { transform: translateX(100%); }
}

/* Animation utility classes */
.animate-fade-in       { animation: fade-in 0.6s ease-out forwards; }
.animate-fade-in-up    { animation: fade-in-up 0.8s ease-out forwards; }
.animate-scale-in      { animation: scale-in 0.5s ease-out forwards; }
.animate-float         { animation: wfyi-float 6s ease-in-out infinite; }
.animate-pulse-soft    { animation: wfyi-pulse-soft 3s ease-in-out infinite; }
.animate-slide-in      { animation: slide-in-right 0.3s ease-out forwards; }
.animate-slide-out     { animation: slide-out-right 0.3s ease-out forwards; }

/* Staggered entrance delays for card grids */
.animate-delay-100 { animation-delay: 100ms; }
.animate-delay-200 { animation-delay: 200ms; }
.animate-delay-300 { animation-delay: 300ms; }
.animate-delay-400 { animation-delay: 400ms; }
.animate-delay-500 { animation-delay: 500ms; }

/* Reduced motion override */
@media (prefers-reduced-motion: reduce) {
  .animate-fade-in, .animate-fade-in-up, .animate-scale-in,
  .animate-float, .animate-pulse-soft, .animate-slide-in, .animate-slide-out {
    animation: none;
    opacity: 1;
    transform: none;
  }
}

/* ── Warm background section ────────────────────────────────────────────── */
.section--warm {
  background: var(--color-warm);
}

/* ── Steel-blue secondary accents ────────────────────────────────────────── */
.text-secondary { color: var(--color-secondary); }
.bg-secondary   { background-color: var(--color-secondary); }
.btn-secondary {
  background-color: var(--color-secondary);
  color: white;
  border-color: var(--color-secondary);
  border-radius: var(--radius-full);
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: 0.875rem var(--space-8);
  font-size: 1.0625rem; font-weight: 700; line-height: 1;
  transition: all var(--transition-fast);
}
.btn-secondary:hover { background-color: #3a6f9a; border-color: #3a6f9a; color: white; text-decoration: none; }

/* ============================================================
   SEARCH FORM (searchform.php)
   ============================================================ */
.wfyi-searchform-wrap { width: 100%; max-width: 560px; margin-inline: auto; }

.wfyi-searchform__row {
  display: flex;
  align-items: stretch;
  gap: 0;
  border: 2px solid var(--color-primary);
  border-radius: var(--radius-full);
  overflow: hidden;
  background: white;
}

.wfyi-searchform__input {
  flex: 1;
  border: none;
  padding: var(--space-3) var(--space-5);
  font-size: var(--font-size-base);
  color: var(--color-text);
  background: transparent;
  outline: none;
  min-width: 0;
}
.wfyi-searchform__input::placeholder { color: var(--color-text-muted); }

.wfyi-searchform__btn {
  border-radius: 0;
  padding: var(--space-3) var(--space-5);
  border: none;
  display: flex;
  align-items: center;
  gap: var(--space-2);
  flex-shrink: 0;
}

.wfyi-searchform__popular {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-3);
  font-size: var(--font-size-sm);
  justify-content: center;
}
.wfyi-searchform__popular-label {
  color: var(--color-text-muted);
  font-size: var(--font-size-sm);
}
.wfyi-searchform__chip {
  cursor: pointer;
  text-decoration: none;
  transition: background var(--transition-fast);
}
.wfyi-searchform__chip:hover { opacity: 0.85; text-decoration: none; }

/* ============================================================
   EXTERNAL LINK INDICATOR (content-filters.php)
   ============================================================ */
.article-content a.external-link::after,
.article-content a[target="_blank"]::after {
  content: '';
  display: inline-block;
  width: 0.7em;
  height: 0.7em;
  margin-left: 0.25em;
  vertical-align: middle;
  /* External link icon as inline SVG data URI */
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233730a3' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M18 13v6a2 2 0 01-2 2H5a2 2 0 01-2-2V8a2 2 0 012-2h6'/%3E%3Cpolyline points='15 3 21 3 21 9'/%3E%3Cline x1='10' y1='14' x2='21' y2='3'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-size: contain;
  opacity: 0.7;
}