/* ============================================================
   FullCareAI — Shared Site Styles
   Used by: privacy-policy.html, terms.html, accessibility.html,
            and any future content/legal pages.

   index.html keeps its own inline styles because of its
   distinct two-panel form layout. Shared design tokens are
   replicated there so visual identity stays consistent.
   ============================================================ */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* Brand palette */
  --navy:    #0B1F3A;
  --navy2:   #132848;
  --teal:    #0D9E75;
  --teal2:   #0B8564;
  --cream:   #F5F2EC;
  --gold:    #C9A84C;
  --white:   #FFFFFF;
  --text:    #1A1A2E;
  --muted:   #6B7280;
  --border:  #E5E0D8;
  --radius:  10px;

  /* Marketing-page extensions */
  --cream2:  #FAF7F1;   /* softer warm body for marketing pages */
  --coral:   #E89B7A;   /* product CTA highlight */
  --coral2:  #D87E5A;   /* coral hover */
  --tealLt:  #EEF9F4;   /* teal background tint */
  --navyAlt: #1A3A6A;   /* lighter navy for marketing hero gradients */
}

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.7;
}

/* ── Skip-to-content (accessibility) ─────────────────────────
   Hidden by default; revealed on keyboard focus (Tab key).
   First focusable element on every page. */
.skip-link {
  position: absolute;
  top: -40px;
  left: 0.5rem;
  background: var(--navy);
  color: var(--white);
  padding: 0.6rem 1rem;
  border-radius: var(--radius);
  text-decoration: none;
  font-size: 0.85rem;
  font-weight: 500;
  z-index: 1000;
  transition: top 0.15s;
}
.skip-link:focus {
  top: 0.5rem;
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* ── Top nav bar ──────────────────────────────────────────── */
.topbar {
  background: var(--navy);
  padding: 0.9rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(201, 168, 76, 0.2);
}

.topbar-brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.topbar-logo { width: 36px; height: 36px; }

.topbar-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.02em;
}

.topbar-name span { color: var(--gold); }

/* ── Hero strip ───────────────────────────────────────────── */
.hero {
  background: var(--navy2);
  padding: 3rem 2rem 2.5rem;
  text-align: center;
  border-bottom: 3px solid var(--gold);
}

.hero-eyebrow {
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.hero-meta {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.45);
  letter-spacing: 0.03em;
}

/* ── Layout: sidebar + content ────────────────────────────── */
.layout {
  max-width: 1040px;
  margin: 0 auto;
  padding: 3rem 2rem 4rem;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 3rem;
  align-items: start;
}

/* ── Sidebar TOC ──────────────────────────────────────────── */
.toc {
  position: sticky;
  top: 72px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.5rem;
}

.toc-title {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 0.9rem;
  padding-bottom: 0.6rem;
  border-bottom: 1px solid var(--border);
}

.toc ol {
  list-style: none;
  counter-reset: toc;
}

.toc ol li {
  counter-increment: toc;
  margin-bottom: 0.1rem;
}

.toc ol li a {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: var(--muted);
  text-decoration: none;
  padding: 0.3rem 0.5rem;
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
  line-height: 1.4;
}

.toc ol li a::before {
  content: counter(toc);
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--teal);
  min-width: 14px;
}

.toc ol li a:hover {
  background: #EEF9F4;
  color: var(--teal2);
}

/* ── Content column ───────────────────────────────────────── */
.policy { min-width: 0; }

/* Info card at top */
.info-card {
  background: #EEF9F4;
  border: 1px solid rgba(13, 158, 117, 0.25);
  border-left: 4px solid var(--teal);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin-bottom: 2.5rem;
  font-size: 0.85rem;
  color: #374151;
  line-height: 1.6;
}

.info-card strong { color: var(--teal2); }

/* Section blocks */
.section {
  margin-bottom: 2.75rem;
  padding-bottom: 2.75rem;
  border-bottom: 1px solid var(--border);
}

.section:last-of-type {
  border-bottom: none;
  margin-bottom: 0;
}

.section-num {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--white);
  background: var(--teal);
  padding: 0.2rem 0.55rem;
  border-radius: 4px;
  margin-bottom: 0.6rem;
}

.section h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1rem;
  line-height: 1.25;
}

.section h3 {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  margin: 1.25rem 0 0.5rem;
  letter-spacing: 0.01em;
}

.section h4 {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0.5rem 0 0.4rem;
}

.section p {
  font-size: 0.9rem;
  color: #374151;
  line-height: 1.75;
  margin-bottom: 0.85rem;
}

.section p:last-child { margin-bottom: 0; }

.section ul,
.section ol {
  padding-left: 1.25rem;
  margin-bottom: 0.85rem;
}

.section ul li,
.section ol li {
  font-size: 0.9rem;
  color: #374151;
  line-height: 1.7;
  margin-bottom: 0.35rem;
}

.section a {
  color: var(--teal2);
  text-decoration: underline;
}

.section code {
  background: #F1ECE2;
  border-radius: 4px;
  padding: 0.1rem 0.35rem;
  font-size: 0.82rem;
  color: var(--navy);
}

/* Highlight box */
.highlight {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1rem 0;
}
.highlight p { margin-bottom: 0; }

/* Warning box (red, attention-grabbing) */
.warning-box {
  background: #FEF3F2;
  border: 1px solid rgba(226, 75, 74, 0.25);
  border-left: 4px solid #E24B4A;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin: 1rem 0;
  font-size: 0.85rem;
  color: #374151;
  line-height: 1.65;
}
.warning-box strong { color: #9A2A2A; }

/* Contact card (dark) */
.contact-card {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 1.5rem 1.75rem;
  margin-top: 1rem;
}
.contact-card p {
  color: rgba(255, 255, 255, 0.75) !important;
  font-size: 0.88rem !important;
}
.contact-card strong { color: var(--white); }
.contact-card a { color: var(--gold) !important; }

/* ── Accessibility-page extras ────────────────────────────── */
.conformance-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: #EEF9F4;
  color: var(--teal2);
  border: 1px solid rgba(13, 158, 117, 0.25);
  border-radius: 999px;
  padding: 0.35rem 0.85rem;
  font-size: 0.78rem;
  font-weight: 500;
  margin-bottom: 1rem;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.85rem;
  margin: 1rem 0 0.5rem;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.85rem 1rem;
}

.feature-card .fc-icon {
  font-size: 1.2rem;
  display: block;
  margin-bottom: 0.3rem;
}

.feature-card h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.feature-card p {
  font-size: 0.8rem !important;
  color: var(--muted) !important;
  line-height: 1.55 !important;
  margin: 0 !important;
}

/* ── Footer ───────────────────────────────────────────────── */
.page-footer {
  background: var(--navy);
  padding: 2rem;
  text-align: center;
  border-top: 1px solid rgba(201, 168, 76, 0.2);
}

.page-footer p {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.35);
  line-height: 1.7;
}

.page-footer a {
  color: rgba(255, 255, 255, 0.5);
  text-decoration: underline;
}

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 768px) {
  .layout {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 2rem 1.25rem 3rem;
  }
  .toc { position: static; }
  .hero h1 { font-size: 1.65rem; }
}

/* ── Animations ───────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

.policy { animation: fadeUp 0.45s ease both; }

/* ============================================================
   MARKETING-PAGE COMPONENTS
   Used by: products.html, products/*.html, about.html, faq.html
   Coexists with the legal-page components above.
   ============================================================ */

/* ── Horizontal nav (in topbar) ──────────────────────────────
   Sits between the brand and the Back-to-Quote button on
   marketing pages. On mobile collapses behind a hamburger. */
.topbar-nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-left: auto;
  margin-right: 1.5rem;
}

.topbar-nav a {
  font-size: 0.88rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  padding: 0.3rem 0;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
}

.topbar-nav a:hover {
  color: var(--white);
}

.topbar-nav a.is-active {
  color: var(--white);
  border-bottom-color: var(--gold);
}

/* Mobile menu toggle (hidden on desktop) */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  padding: 0.4rem;
  cursor: pointer;
  margin-left: auto;
  margin-right: 1rem;
}

.nav-toggle svg { width: 22px; height: 22px; }

@media (max-width: 820px) {
  .topbar-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.5rem 0;
    margin: 0;
    border-bottom: 1px solid rgba(201, 168, 76, 0.2);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.25s ease;
  }
  .topbar-nav.is-open { max-height: 400px; }
  .topbar-nav a {
    padding: 0.85rem 2rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  }
  .topbar-nav a.is-active { border-bottom-color: rgba(255, 255, 255, 0.06); background: rgba(201, 168, 76, 0.08); }
  .nav-toggle { display: inline-flex; }
}

/* ── Marketing hero ──────────────────────────────────────────
   Larger, more inviting than the legal-page hero. Optional
   eyebrow, headline, lead paragraph, and CTA. */
.mkt-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navyAlt) 100%);
  padding: 4rem 2rem 4.5rem;
  text-align: center;
  border-bottom: 3px solid var(--gold);
  position: relative;
  overflow: hidden;
}

.mkt-hero::before {
  /* subtle ambient glow */
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(13, 158, 117, 0.12) 0%, transparent 60%);
  pointer-events: none;
}

.mkt-hero > * { position: relative; }

.mkt-hero-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.mkt-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 2.85rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 1rem;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.mkt-hero-lead {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.6;
  max-width: 640px;
  margin: 0 auto 2rem;
  font-weight: 300;
}

.mkt-hero-actions {
  display: flex;
  gap: 0.9rem;
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 600px) {
  .mkt-hero { padding: 3rem 1.25rem 3.5rem; }
  .mkt-hero h1 { font-size: 2rem; }
  .mkt-hero-lead { font-size: 1rem; }
}

/* ── Buttons (CTA family) ────────────────────────────────────
   Three variants: primary (teal), accent (coral), ghost. */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.85rem 1.5rem;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  border: none;
  border-radius: var(--radius);
  text-decoration: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s, color 0.2s;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--teal);
  color: var(--white);
}
.btn-primary:hover { background: var(--teal2); }

.btn-accent {
  background: var(--coral);
  color: var(--white);
}
.btn-accent:hover { background: var(--coral2); }

.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.3);
}
.btn-ghost:hover {
  border-color: var(--white);
  background: rgba(255, 255, 255, 0.06);
}

/* ── Marketing page body container ───────────────────────────
   Replaces the .layout (sidebar+content) used on legal pages.
   Marketing pages flow full width with sections. */
.mkt-body {
  background: var(--cream2);
}

.mkt-section {
  padding: 4rem 2rem;
}

.mkt-section.is-light { background: var(--white); }
.mkt-section.is-cream { background: var(--cream2); }
.mkt-section.is-navy {
  background: var(--navy);
  color: var(--white);
}

.mkt-container {
  max-width: 1080px;
  margin: 0 auto;
}

.mkt-section-narrow .mkt-container {
  max-width: 760px;
}

.mkt-section-header {
  text-align: center;
  margin-bottom: 3rem;
}

.mkt-section-eyebrow {
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal2);
  margin-bottom: 0.75rem;
}

.mkt-section.is-navy .mkt-section-eyebrow { color: var(--gold); }

.mkt-section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 0.8rem;
}

.mkt-section.is-navy .mkt-section-header h2 { color: var(--white); }

.mkt-section-header p {
  font-size: 1rem;
  color: var(--muted);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.65;
}

.mkt-section.is-navy .mkt-section-header p { color: rgba(255, 255, 255, 0.72); }

/* ── Prose blocks (article body inside marketing sections) ── */
.mkt-prose {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--text);
}
.mkt-prose p { margin-bottom: 1rem; }
.mkt-prose p:last-child { margin-bottom: 0; }
.mkt-prose h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  margin: 2rem 0 0.75rem;
}
.mkt-prose ul, .mkt-prose ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}
.mkt-prose ul li, .mkt-prose ol li { margin-bottom: 0.4rem; }
.mkt-prose a { color: var(--teal2); text-decoration: underline; }
.mkt-prose strong { color: var(--navy); }

/* ── Product cards (used on /products hub) ──────────────────
   Grid of clickable cards, one per product type. */
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
}

.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-decoration: none;
  color: var(--text);
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.product-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 40px -16px rgba(11, 31, 58, 0.18);
  border-color: rgba(13, 158, 117, 0.4);
}

.product-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--tealLt);
  color: var(--teal2);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.6rem;
}

.product-card-icon svg { width: 26px; height: 26px; }

.product-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
}

.product-card-tagline {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--teal2);
  letter-spacing: 0.02em;
}

.product-card p {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.6;
  flex-grow: 1;
}

.product-card-link {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--teal2);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  margin-top: 0.5rem;
}

.product-card-link svg {
  width: 14px;
  height: 14px;
  transition: transform 0.2s;
}

.product-card:hover .product-card-link svg {
  transform: translateX(3px);
}

/* ── Feature grid (Who it's for / What's covered) ──────────── */
.feature-grid-3 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
}

.feature-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.4rem;
}

.feature-item-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--tealLt);
  color: var(--teal2);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.75rem;
}
.feature-item-icon svg { width: 22px; height: 22px; }

.feature-item h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.4rem;
}

.feature-item p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

/* ── Step process (How it works, numbered) ──────────────────── */
.step-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
  counter-reset: step;
}

.step-item {
  position: relative;
  padding: 1.5rem 1.25rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  counter-increment: step;
}

.step-item::before {
  content: counter(step);
  position: absolute;
  top: -12px;
  left: 1.25rem;
  width: 28px;
  height: 28px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.85rem;
}

.step-item h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0.5rem 0 0.4rem;
}

.step-item p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}

/* ── Comparison table ────────────────────────────────────────
   Two- or three-column product comparison. */
.compare-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.compare-table th,
.compare-table td {
  padding: 0.9rem 1.1rem;
  text-align: left;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}

.compare-table thead th {
  background: var(--navy);
  color: var(--white);
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 600;
  border-bottom: none;
}

.compare-table thead th:first-child {
  background: var(--navy2);
}

.compare-table tbody th {
  background: var(--cream2);
  color: var(--navy);
  font-weight: 500;
  width: 30%;
}

.compare-table tbody tr:last-child th,
.compare-table tbody tr:last-child td {
  border-bottom: none;
}

@media (max-width: 600px) {
  .compare-table { font-size: 0.85rem; }
  .compare-table th, .compare-table td { padding: 0.7rem 0.8rem; }
}

/* ── CTA block ───────────────────────────────────────────────
   The "Ready to start?" panel at the bottom of marketing pages. */
.cta-block {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navyAlt) 100%);
  color: var(--white);
  border-radius: var(--radius);
  padding: 2.5rem 2rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-block::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--gold), var(--coral));
}

.cta-block h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.75rem;
}

.cta-block p {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.75);
  max-width: 500px;
  margin: 0 auto 1.5rem;
}

.cta-block .btn-accent {
  font-size: 1rem;
  padding: 1rem 2rem;
}

/* ── FAQ list (product-page mini FAQ) ──────────────────────── */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem 1.4rem;
  margin-bottom: 0.75rem;
}

.faq-item summary {
  font-weight: 500;
  font-size: 1rem;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--teal2);
  font-weight: 300;
  transition: transform 0.2s;
}

.faq-item[open] summary::after {
  content: '−';
  transform: rotate(0);
}

.faq-item-body {
  padding-top: 0.8rem;
  margin-top: 0.8rem;
  border-top: 1px solid var(--border);
  font-size: 0.92rem;
  color: var(--text);
  line-height: 1.65;
}

.faq-item-body p { margin-bottom: 0.5rem; }
.faq-item-body p:last-child { margin-bottom: 0; }

/* ── Breadcrumbs (for nested pages like /products/term-life) ── */
.breadcrumbs {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.55);
  padding: 0.7rem 2rem;
  background: var(--navy2);
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}

.breadcrumbs a {
  color: #5DCAA5;
  text-decoration: none;
  font-weight: 500;
}

.breadcrumbs a:hover {
  color: #7FD8BC;
  text-decoration: underline;
}

.breadcrumbs .sep {
  margin: 0 0.45rem;
  color: rgba(255, 255, 255, 0.4);
}