/* ============ Design Tokens ============ */
:root{
  --font-heading: 'Poppins', 'Segoe UI', sans-serif;
  --font-body: 'Open Sans', 'Segoe UI', sans-serif;

  --color-teal-500: #00C8A8;
  --color-teal-700: #007A67;
  --color-teal-050: #A3FFF0;

  --color-yellow-500: #F5C500;
  --color-yellow-600: #D9AE00;
  --color-yellow-050: #FFF8DE;

  --color-navy-900: #101828;
  --color-gray-700: #344054;
  --color-gray-600: #475467;
  --color-gray-400: #98A2B0;
  --color-gray-200: #E4ECEA;
  --color-gray-100: #F2F6F5;
  --color-white: #FFFFFF;
  --color-danger: #DC2626;

  --color-primary: var(--color-teal-500);
  --color-accent: var(--color-yellow-500);
  --color-accent-hover: var(--color-yellow-600);
  --color-background: var(--color-white);
  --color-foreground: var(--color-navy-900);
  --color-muted: var(--color-gray-100);
  --color-border: var(--color-gray-200);

  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 24px;
  --space-6: 32px;
  --space-7: 48px;
  --space-8: 64px;
  --space-9: 96px;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-full: 999px;

  --shadow-sm: 0 1px 2px rgba(16,24,40,.06), 0 1px 3px rgba(16,24,40,.08);
  --shadow-md: 0 4px 12px rgba(16,24,40,.08), 0 2px 4px rgba(16,24,40,.06);
  --shadow-lg: 0 16px 32px rgba(16,24,40,.12), 0 4px 10px rgba(16,24,40,.06);

  --ease-out: cubic-bezier(.16,.84,.44,1);
  --dur-fast: 150ms;
  --dur-base: 220ms;
  --dur-slow: 500ms;

  --header-h: 76px;
}

/* ============ Reset ============ */
*, *::before, *::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--color-foreground);
  background:var(--color-background);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
ul,ol{ list-style:none; margin:0; padding:0; }
h1,h2,h3,h4{ font-family:var(--font-heading); margin:0; color:var(--color-navy-900); line-height:1.2; }
p{ margin:0; }
button{ font-family:inherit; cursor:pointer; background:none; border:none; color:inherit; }
input{ font-family:inherit; }

@media (prefers-reduced-motion: reduce){
  *, *::before, *::after{
    animation-duration:.001ms !important;
    animation-iteration-count:1 !important;
    transition-duration:.001ms !important;
    scroll-behavior:auto !important;
  }
}

.icon-sprite{ position:absolute; width:0; height:0; overflow:hidden; }
.icon{ flex-shrink:0; }

.skip-link{
  position:absolute; left:-999px; top:0; z-index:200;
  background:var(--color-navy-900); color:#fff; padding:12px 20px; border-radius:0 0 8px 0;
}
.skip-link:focus{ left:0; }

:focus-visible{ outline:3px solid var(--color-teal-700); outline-offset:2px; border-radius:4px; }

.container{
  width:100%;
  max-width:1240px;
  margin-inline:auto;
  padding-inline:20px;
}
.container-narrow{ max-width:840px; }

/* ============ Buttons ============ */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family:var(--font-heading); font-weight:600; font-size:15px;
  padding:13px 24px; border-radius:var(--radius-full);
  transition:transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), background-color var(--dur-base) var(--ease-out);
  white-space:nowrap;
  cursor:pointer;
}
.btn:hover{ transform:translateY(-2px) scale(1.02); }
.btn:active{ transform:translateY(0) scale(.99); }

.btn-primary{ background:var(--color-primary); color:var(--color-navy-900); box-shadow:var(--shadow-sm); }
.btn-primary:hover{ filter:brightness(0.92); box-shadow:var(--shadow-md); }

.btn-outline{ background:transparent; color:var(--color-teal-700); border:2px solid var(--color-teal-700); }
.btn-outline:hover{ background:var(--color-teal-050); }

.btn-dark{ background:#fff; color:var(--color-teal-700); }
.btn-dark:hover{ background:var(--color-yellow-050); }

.btn-lg{ padding:16px 30px; font-size:16px; }
.btn-sm{ padding:9px 18px; font-size:14px; }

/* ============ Header ============ */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(255,255,255,.9);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid transparent;
  transition:box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base) var(--ease-out);
}
.site-header.is-scrolled{ box-shadow:var(--shadow-sm); border-color:var(--color-border); }

.header-row{
  display:flex; align-items:center; justify-content:space-between;
  height:var(--header-h); gap:16px;
}

.brand{ display:flex; align-items:center; gap:10px; flex-shrink:0; }
.brand-mark{ display:inline-block; width:42px; height:42px; flex-shrink:0; }
.brand-mark svg{ width:100%; height:100%; display:block; }
.brand-text{ display:flex; flex-direction:column; line-height:1.1; }
.brand-name{ font-family:var(--font-heading); font-weight:800; font-size:19px; letter-spacing:.03em; color:var(--color-teal-700); }
.brand-sub{ font-size:11px; font-weight:600; color:var(--color-gray-600); letter-spacing:.04em; text-transform:uppercase; }

.main-nav{ display:flex; align-items:center; gap:28px; }
.main-nav a{
  font-weight:600; font-size:14.5px; color:var(--color-gray-700);
  position:relative; padding:6px 0;
  transition:color var(--dur-base) var(--ease-out);
}
.main-nav a::after{
  content:''; position:absolute; left:0; right:0; bottom:0; height:2px;
  background:var(--color-teal-500); transform:scaleX(0); transform-origin:left;
  transition:transform var(--dur-base) var(--ease-out);
}
.main-nav a:hover{ color:var(--color-teal-700); }
.main-nav a:hover::after{ transform:scaleX(1); }

.header-actions{ display:flex; align-items:center; gap:14px; }

.lang-toggle{
  display:flex; align-items:center; gap:6px;
  font-weight:700; font-size:13px; color:var(--color-gray-700);
  padding:8px 12px; border-radius:var(--radius-full); border:1px solid var(--color-border);
  transition:background var(--dur-base), border-color var(--dur-base);
}
.lang-toggle:hover{ background:var(--color-teal-050); border-color:var(--color-teal-050); }
.lang-toggle .lang-divider{ color:var(--color-gray-400); }
html[lang="en"] .lang-en-label, html[lang="es"] .lang-es-label{ color:var(--color-teal-700); }

.tel-link{
  display:flex; align-items:center; gap:6px; font-weight:700; font-size:14px;
  color:var(--color-teal-700); white-space:nowrap;
}

.menu-toggle{ display:none; padding:6px; color:var(--color-navy-900); }

@media (max-width:960px){
  .main-nav{
    position:fixed; top:var(--header-h); left:0; right:0;
    height:calc(100dvh - var(--header-h));
    z-index:90;
    background:#fff; flex-direction:column; align-items:stretch;
    padding:24px 20px; gap:4px;
    transform:translateY(-12px); opacity:0; pointer-events:none;
    transition:opacity var(--dur-base) var(--ease-out), transform var(--dur-base) var(--ease-out);
    overflow-y:auto;
  }
  .main-nav.is-open{ transform:translateY(0); opacity:1; pointer-events:auto; }
  .main-nav a{ padding:14px 4px; border-bottom:1px solid var(--color-border); }
  .tel-link span{ display:none; }
  .menu-toggle{ display:block; }
}
@media (max-width:640px){
  .btn-sm.header-quote{ display:none; }
}

/* ============ Hero ============ */
.hero{ position:relative; overflow:hidden; padding-top:var(--space-8); }
.hero-blob{
  position:absolute; top:-200px; right:-220px; width:640px; height:640px; z-index:0;
  background:radial-gradient(circle at 35% 35%, var(--color-teal-050), transparent 72%);
  border-radius:50%;
  animation:blobFloat 14s ease-in-out infinite alternate;
}
@keyframes blobFloat{
  0%{ transform:translate(0,0) scale(1); }
  100%{ transform:translate(-30px,40px) scale(1.06); }
}

.hero-grid{
  position:relative; z-index:1;
  display:grid; grid-template-columns:1.1fr .9fr; gap:var(--space-8);
  align-items:center;
  padding-bottom:var(--space-8);
}

.eyebrow{
  font-family:var(--font-heading); font-weight:700; font-size:13px;
  letter-spacing:.06em; text-transform:uppercase; color:var(--color-teal-700);
  margin-bottom:var(--space-4);
}

.hero-headline{ font-size:clamp(2.2rem, 4.4vw, 3.4rem); font-weight:800; letter-spacing:-.02em; }
.hero-headline .highlight{
  color:var(--color-teal-700); position:relative; white-space:nowrap;
}
.hero-headline .highlight::after{
  content:''; position:absolute; left:-2px; right:-2px; bottom:6px; height:.32em;
  background:var(--color-yellow-500); z-index:-1; border-radius:4px;
}

.hero-sub{ font-size:18px; color:var(--color-gray-600); margin-top:var(--space-5); max-width:52ch; }

.hero-cta-row{ display:flex; flex-wrap:wrap; gap:14px; margin-top:var(--space-6); }

.badge-row{
  display:flex; flex-wrap:wrap; gap:10px 18px; margin-top:var(--space-6);
}
.badge-row li{
  display:flex; align-items:center; gap:7px; font-weight:600; font-size:13.5px;
  color:var(--color-teal-700);
}
.badge-row .icon{ color:var(--color-teal-700); }

.hero-visual{ position:relative; display:flex; align-items:center; justify-content:center; min-height:320px; }
.visual-card-main{
  width:min(360px, 90%); aspect-ratio:1/1; border-radius:50%;
  background:var(--color-teal-500);
  display:flex; align-items:center; justify-content:center;
  box-shadow:var(--shadow-lg);
  animation:blobFloat 10s ease-in-out infinite alternate;
}
.visual-shield{ width:44%; height:44%; color:var(--color-navy-900); }
.visual-chip{
  position:absolute; display:flex; align-items:center; gap:6px;
  background:#fff; border-radius:var(--radius-full); box-shadow:var(--shadow-md);
  padding:10px 16px; font-weight:700; color:var(--color-navy-900);
}
.chip-a{ top:10%; left:0; color:var(--color-teal-700); }
.chip-b{ bottom:14%; right:-2%; color:var(--color-yellow-600); }
.chip-b .icon{ color:var(--color-yellow-500); }

.stat-strip{ background:var(--color-teal-500); position:relative; z-index:1; }
.stat-grid{
  display:grid; grid-template-columns:repeat(4,1fr); gap:var(--space-5);
  padding-block:var(--space-6);
}
.stat{ text-align:center; color:var(--color-navy-900); }
.stat-number{ display:block; font-family:var(--font-heading); font-weight:800; font-size:clamp(1.8rem,3vw,2.4rem); }
.stat-label{ display:block; font-size:13px; color:var(--color-navy-900); margin-top:4px; opacity:.75; }

@media (max-width:960px){
  .hero-grid{ grid-template-columns:1fr; }
  .hero-visual{ order:-1; min-height:240px; }
  .visual-card-main{ width:220px; }
  .stat-grid{ grid-template-columns:repeat(2,1fr); }
}

/* ============ Sections ============ */
.section{ padding-block:var(--space-9); }
.section-muted{ background:var(--color-teal-050); }
.section-head{ max-width:640px; margin:0 auto var(--space-7); text-align:center; }
.section-head .eyebrow{ text-align:center; }
.section-sub{ font-size:18.5px; color:var(--color-gray-600); margin-top:var(--space-3); }

.grid{ display:grid; gap:var(--space-5); }

/* ============ Reveal animation ============ */
.reveal{ opacity:0; transform:translateY(22px); transition:opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); transition-delay:var(--delay,0ms); }
.reveal.is-visible{ opacity:1; transform:translateY(0); }

/* ============ Coverage cards ============ */
.coverage-grid{ grid-template-columns:repeat(3,1fr); }
.card{
  background:#fff; border:1px solid var(--color-border); border-radius:var(--radius-lg);
  padding:var(--space-6); transition:transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base);
}
.card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-lg); border-color:var(--color-teal-050); }
.card-icon{
  display:inline-flex; align-items:center; justify-content:center;
  width:52px; height:52px; border-radius:var(--radius-md);
  background:var(--color-teal-050); color:var(--color-teal-700); margin-bottom:var(--space-4);
}
.card h3{ font-size:19px; margin-bottom:var(--space-2); }
.card p{ color:var(--color-gray-600); font-size:16.5px; }

@media (max-width:960px){ .coverage-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:640px){ .coverage-grid{ grid-template-columns:1fr; } }

/* ============ Why Zuro ============ */
.why-grid{ display:grid; grid-template-columns:.85fr 1.15fr; gap:var(--space-8); align-items:start; }
.why-copy .btn{ margin-top:var(--space-6); }
.why-list{ display:grid; gap:var(--space-5); }
.why-list li{ display:flex; gap:var(--space-4); }
.why-icon{
  flex-shrink:0; width:40px; height:40px; border-radius:50%;
  background:var(--color-teal-700); color:#fff;
  display:flex; align-items:center; justify-content:center;
}
.why-list h3{ font-size:17.5px; margin-bottom:2px; }
.why-list p{ font-size:16px; color:var(--color-gray-600); }

@media (max-width:900px){ .why-grid{ grid-template-columns:1fr; } }

/* ============ Steps ============ */
.steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:var(--space-6); position:relative; counter-reset:step; }
.step{ text-align:center; position:relative; padding:0 var(--space-4); }
.step-number{
  display:inline-flex; align-items:center; justify-content:center;
  width:56px; height:56px; border-radius:50%;
  background:var(--color-yellow-500); color:var(--color-navy-900);
  font-family:var(--font-heading); font-weight:800; font-size:22px;
  margin-bottom:var(--space-4); box-shadow:var(--shadow-md);
}
.step h3{ font-size:19px; margin-bottom:var(--space-2); }
.step p{ color:var(--color-gray-600); font-size:16.5px; }
.step:not(:last-child)::after{
  content:''; position:absolute; top:28px; left:calc(50% + 44px); right:calc(-50% + 44px);
  height:2px; background:repeating-linear-gradient(90deg, var(--color-teal-050) 0 8px, transparent 8px 16px);
}
@media (max-width:800px){
  .steps{ grid-template-columns:1fr; }
  .step:not(:last-child)::after{ display:none; }
}

/* ============ Carousel ============ */
.carousel{ max-width:720px; margin:0 auto; }
.carousel-track{
  position:relative; min-height:230px;
}
.testimonial{
  position:absolute; inset:0; margin:0;
  background:#fff; border-radius:var(--radius-lg); border:1px solid var(--color-border);
  padding:var(--space-7); text-align:center; box-shadow:var(--shadow-sm);
  opacity:0; visibility:hidden; transform:translateY(8px);
  transition:opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out), visibility 0s linear var(--dur-slow);
}
.testimonial.is-active{
  position:relative; opacity:1; visibility:visible; transform:translateY(0);
  transition:opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out);
}
.quote-icon{ color:var(--color-yellow-500); margin:0 auto var(--space-3); }
.stars{ display:flex; justify-content:center; gap:3px; color:var(--color-yellow-500); margin-bottom:var(--space-4); }
.testimonial blockquote{ font-size:18px; font-weight:600; color:var(--color-navy-900); margin:0 0 var(--space-4); line-height:1.5; }
.testimonial figcaption{ color:var(--color-gray-600); font-size:15.5px; }
.testimonial-author{ display:flex; align-items:center; justify-content:center; gap:10px; }
.avatar{
  width:38px; height:38px; border-radius:50%; flex-shrink:0;
  display:flex; align-items:center; justify-content:center;
  font-family:var(--font-heading); font-weight:700; font-size:15px;
}
.avatar-1{ background:var(--color-teal-500); color:var(--color-navy-900); }
.avatar-2{ background:var(--color-yellow-500); color:var(--color-navy-900); }
.avatar-3{ background:var(--color-navy-900); color:#fff; }
.avatar-4{ background:var(--color-teal-700); color:#fff; }

.carousel-controls{ display:flex; align-items:center; justify-content:center; gap:var(--space-5); margin-top:var(--space-6); }
.carousel-btn{
  width:42px; height:42px; border-radius:50%; border:1px solid var(--color-border);
  display:flex; align-items:center; justify-content:center; color:var(--color-teal-700);
  transition:background var(--dur-base), transform var(--dur-base);
}
.carousel-btn:hover{ background:var(--color-teal-050); transform:scale(1.06); }
.carousel-dots{ display:flex; gap:8px; }
.carousel-dots button{
  width:9px; height:9px; border-radius:50%; background:var(--color-gray-200);
  transition:background var(--dur-base), transform var(--dur-base);
}
.carousel-dots button.is-active{ background:var(--color-teal-700); transform:scale(1.25); }

/* ============ Service Areas ============ */
.areas-grid{ display:grid; grid-template-columns:1.2fr .8fr; gap:var(--space-7); align-items:start; }
.city-chips{ display:flex; flex-wrap:wrap; gap:12px; }
.city-chips li{
  padding:10px 18px; border-radius:var(--radius-full); background:var(--color-teal-050);
  color:var(--color-teal-700); font-weight:600; font-size:14.5px; border:1px solid var(--color-border);
}
.office-card{
  background:#fff; border:1px solid var(--color-border); border-radius:var(--radius-lg);
  padding:var(--space-6); box-shadow:var(--shadow-sm);
}
.office-card h3{ font-size:18px; margin-bottom:var(--space-4); }
.office-card p{ display:flex; align-items:center; gap:10px; color:var(--color-gray-600); font-size:16px; margin-bottom:var(--space-3); }
.office-card .icon{ color:var(--color-teal-700); }

@media (max-width:860px){ .areas-grid{ grid-template-columns:1fr; } }

/* ============ FAQ Accordion ============ */
.accordion-item{ border-bottom:1px solid var(--color-border); }
.accordion-item h3{ margin:0; }
.accordion-trigger{
  width:100%; text-align:left; padding:var(--space-5) 0; font-size:16.5px; font-weight:700;
  display:flex; align-items:center; justify-content:space-between; gap:var(--space-4);
  color:var(--color-navy-900);
}
.accordion-trigger::after{
  content:''; flex-shrink:0; width:20px; height:20px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6' fill='none' stroke='%23007A67' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
  transition:transform var(--dur-base) var(--ease-out);
}
.accordion-trigger[aria-expanded="true"]::after{ transform:rotate(180deg); }
.accordion-panel{
  display:grid; grid-template-rows:0fr; transition:grid-template-rows var(--dur-base) var(--ease-out);
}
.accordion-panel > p{
  overflow:hidden; color:var(--color-gray-600); font-size:16.5px; max-width:70ch;
  padding-bottom:0; transition:padding-bottom var(--dur-base) var(--ease-out);
}
.accordion-item.is-open .accordion-panel{ grid-template-rows:1fr; }
.accordion-item.is-open .accordion-panel > p{ padding-bottom:var(--space-5); }

/* ============ CTA Band ============ */
.cta-band{
  background:var(--color-teal-500);
  padding-block:var(--space-9); text-align:center; position:relative; overflow:hidden;
}
.cta-band::before{
  content:''; position:absolute; width:520px; height:520px; border-radius:50%;
  background:radial-gradient(circle, rgba(245,197,0,.28), transparent 70%);
  top:-160px; left:-160px;
}
.cta-band-inner{ position:relative; z-index:1; }
.cta-band h2{ color:var(--color-navy-900); font-size:clamp(1.8rem,3.4vw,2.6rem); }
.cta-band p{ color:var(--color-navy-900); opacity:.8; font-size:18px; margin-top:var(--space-3); max-width:52ch; margin-inline:auto; }

.btn-accent{ background:var(--color-yellow-500); color:var(--color-navy-900); box-shadow:var(--shadow-sm); }
.btn-accent:hover{ background:var(--color-yellow-600); box-shadow:var(--shadow-md); }
.cta-band .hero-cta-row{ justify-content:center; margin-top:var(--space-6); }

/* ============ Footer ============ */
.site-footer{ background:var(--color-navy-900); color:var(--color-gray-400); padding-top:var(--space-8); }
.footer-grid{
  display:grid; grid-template-columns:1.4fr repeat(3,1fr); gap:var(--space-6);
  padding-bottom:var(--space-7); border-bottom:1px solid rgba(255,255,255,.1);
}
.footer-tagline{ color:#fff; font-weight:600; margin-top:var(--space-4); font-size:15px; }
.footer-col h3{ color:#fff; font-size:14px; text-transform:uppercase; letter-spacing:.05em; margin-bottom:var(--space-4); }
.footer-col ul{ display:grid; gap:10px; }
.footer-col a:hover{ color:#fff; }
.footer-bottom{ padding-block:var(--space-5); display:flex; flex-wrap:wrap; gap:var(--space-4); justify-content:space-between; font-size:12.5px; }
.footer-disclaimer{ max-width:640px; }

@media (max-width:900px){
  .footer-grid{ grid-template-columns:1fr 1fr; }
}
@media (max-width:560px){
  .footer-grid{ grid-template-columns:1fr; }
}

/* ============ Quote Modal ============ */
.visually-hidden{
  position:absolute; width:1px; height:1px; padding:0; margin:-1px;
  overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0;
}

.modal-overlay{
  position:fixed; inset:0; z-index:200;
  background:rgba(16,24,40,.55);
  display:flex; align-items:center; justify-content:center; padding:20px;
  opacity:0; visibility:hidden;
  transition:opacity var(--dur-base) var(--ease-out), visibility 0s linear var(--dur-base);
}
.modal-overlay.is-open{
  opacity:1; visibility:visible;
  transition:opacity var(--dur-base) var(--ease-out);
}

.modal{
  background:#fff; border-radius:var(--radius-lg); max-width:540px; width:100%;
  max-height:90vh; overflow-y:auto; position:relative; box-shadow:var(--shadow-lg);
  padding:var(--space-7) var(--space-6) var(--space-6);
  transform:translateY(16px) scale(.98);
  transition:transform var(--dur-base) var(--ease-out);
}
.modal-overlay.is-open .modal{ transform:translateY(0) scale(1); }

.modal-close{
  position:absolute; top:14px; right:14px; width:38px; height:38px; border-radius:50%;
  display:flex; align-items:center; justify-content:center; color:var(--color-gray-600);
  transition:background var(--dur-base);
}
.modal-close:hover{ background:var(--color-gray-100); }

.modal-body h2{ font-size:24px; margin-bottom:8px; padding-right:32px; }
.modal-subtitle{ color:var(--color-gray-600); font-size:15.5px; margin-bottom:var(--space-6); }

.insurance-type-fieldset{ border:none; padding:0; margin:0 0 var(--space-5); }
.insurance-type-fieldset legend{
  font-weight:700; font-size:14.5px; margin-bottom:10px; padding:0; color:var(--color-navy-900);
}
.insurance-type-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:8px; }
.type-option{
  position:relative; display:flex; align-items:center; justify-content:center; text-align:center;
  border:2px solid var(--color-border); border-radius:var(--radius-md);
  padding:12px 8px; font-weight:600; font-size:14px; cursor:pointer; min-height:44px;
  transition:border-color var(--dur-base), background var(--dur-base), color var(--dur-base);
}
.type-option input{
  position:absolute; opacity:0; width:100%; height:100%; margin:0; cursor:pointer;
}
.type-option.is-selected,
.type-option:has(input:checked){
  border-color:var(--color-teal-500); background:var(--color-teal-050); color:var(--color-teal-700);
}
.type-option:has(input:focus-visible){ outline:3px solid var(--color-teal-700); outline-offset:2px; }

.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:var(--space-4); }
.form-field{ margin-bottom:var(--space-4); }
.form-field label{ display:block; font-weight:600; font-size:14px; margin-bottom:6px; }
.form-field input{
  width:100%; padding:12px 14px; border:1.5px solid var(--color-border); border-radius:var(--radius-sm);
  font-size:16px; font-family:inherit; color:var(--color-navy-900);
  transition:border-color var(--dur-base);
}
.form-field input:focus{ border-color:var(--color-teal-500); outline:none; }

.modal-submit{ width:100%; margin-top:var(--space-2); }
.modal-error{ color:var(--color-danger); font-size:14px; margin-bottom:var(--space-3); }

.modal-success{ text-align:center; }
.success-icon{
  display:inline-flex; align-items:center; justify-content:center;
  width:64px; height:64px; border-radius:50%; background:var(--color-teal-050); color:var(--color-teal-700);
  margin-bottom:var(--space-4);
}
.modal-success h2{ padding-right:0; }
.modal-success p{ color:var(--color-gray-600); margin:var(--space-3) 0 var(--space-6); }

@media (max-width:600px){
  .insurance-type-grid{ grid-template-columns:repeat(2,1fr); }
  .form-row{ grid-template-columns:1fr; }
  .modal{ padding:var(--space-6) var(--space-5) var(--space-5); }
}