/*
Theme Name: ShortTerm Health Gold
Theme URI: https://shorttermhealthinsure.com
Author: ShortTerm Health Insurance Team
Author URI: https://shorttermhealthinsure.com
Description: A professional champagne gold themed WordPress theme designed for short-term health insurance websites. Features modern design, responsive layout, and insurance industry-specific functionality.
Version: 2.1.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: shortterm-gold
Tags: custom-background, custom-logo, custom-menu, featured-images, threaded-comments, translation-ready, one-column, two-columns, right-sidebar, flexible-header, accessibility-ready, blog, e-commerce, portfolio, education
*/

:root {
    --primary-gold: #C9A96E;
    --primary-gold-light: #D4BC8A;
    --primary-gold-dark: #A68B4B;
    --champagne: #D4AF37;
    --warm-gold: #C5A55A;
    --soft-cream: #F5ECD7;
    --light-gold-bg: #FBF8F1;
    --text-dark: #1C1C1C;
    --text-medium: #5A5A5A;
    --text-light: #8A8A8A;
    --bg-white: #FFFFFF;
    --bg-cream: #FDFBF7;
    --bg-light-gray: #F7F7F8;
    --accent-navy: #2C3E50;
    --accent-deep-gray: #3A3A3A;
    --border-light: #E8E6E1;
    --border-gold: rgba(201, 169, 110, 0.3);
    --shadow-xs: 0 1px 3px rgba(0, 0, 0, 0.04);
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 8px 40px rgba(0, 0, 0, 0.1);
    --shadow-gold: 0 4px 20px rgba(201, 169, 110, 0.15);
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s ease;
    --transition-smooth: 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --font-heading: 'Poppins', var(--font-primary);
    --font-logo: 'Cormorant Garamond', 'Playfair Display', Georgia, serif;
    --max-width: 1200px;
    --header-height: 72px;
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-primary);
    color: var(--text-dark);
    background-color: var(--bg-cream);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.3;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.75rem; }

p {
    margin-bottom: 1rem;
    line-height: 1.8;
}

a {
    color: var(--primary-gold-dark);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--primary-gold);
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 20px;
}

.btn {
    display: inline-block;
    padding: 14px 32px;
    font-size: 0.95rem;
    font-weight: 600;
    text-align: center;
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all var(--transition-normal);
    letter-spacing: 0.5px;
    font-family: var(--font-primary);
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    color: #FFFFFF;
    box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold);
    color: #FFFFFF;
}

.btn-secondary {
    background-color: transparent;
    color: var(--text-dark);
    border: 2px solid var(--border-light);
}

.btn-secondary:hover {
    border-color: var(--primary-gold);
    color: var(--primary-gold-dark);
}

.btn-outline {
    background: transparent;
    color: var(--text-dark);
    border: 2px solid var(--border-light);
    padding: 14px 32px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: all var(--transition-normal);
}

.btn-outline:hover {
    border-color: var(--primary-gold);
    color: var(--primary-gold);
}

.btn-lg {
    padding: 16px 38px;
    font-size: 1rem;
}

.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background-color: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 1px 0 var(--border-light);
    transition: all var(--transition-normal);
    height: var(--header-height);
}

.site-header.scrolled {
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
    height: 64px;
}

.site-header.scrolled .site-logo-text {
    font-size: 1.2rem;
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 20px;
}

.site-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    flex-shrink: 0;
}

.site-logo img {
    height: 40px;
    width: auto;
}

.site-logo-text {
    font-family: var(--font-logo);
    font-size: 1.35rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    color: var(--primary-gold-dark);
    transition: font-size var(--transition-normal);
    white-space: nowrap;
}

.main-navigation {
    display: flex;
    align-items: center;
    gap: 20px;
}

.nav-menu {
    display: flex;
    list-style: none;
    margin: 0;
    padding: 0;
    gap: 0;
}

.nav-menu > li {
    position: relative;
}

.nav-menu > li > a {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 8px 16px;
    color: var(--text-dark);
    font-weight: 500;
    font-size: 0.9rem;
    letter-spacing: 0.3px;
    transition: all var(--transition-fast);
    border-radius: var(--radius-sm);
    white-space: nowrap;
}

.nav-menu > li > a:hover,
.nav-menu > li.current-menu-item > a,
.nav-menu > li.current-menu-ancestor > a {
    color: var(--primary-gold-dark);
    background-color: var(--light-gold-bg);
}

.nav-menu > li.menu-item-has-children > a::after {
    content: '';
    display: inline-block;
    width: 6px;
    height: 6px;
    border-right: 1.5px solid currentColor;
    border-bottom: 1.5px solid currentColor;
    transform: rotate(45deg);
    margin-left: 4px;
    margin-top: -2px;
    transition: transform var(--transition-fast);
}

.nav-menu > li.menu-item-has-children:hover > a::after {
    transform: rotate(-135deg);
    margin-top: 2px;
}

.submenu,
.sub-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 240px;
    background-color: #FFFFFF;
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
    border-radius: var(--radius-md);
    padding: 8px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all var(--transition-normal);
    list-style: none;
    margin: 0;
    z-index: 100;
    border: 1px solid var(--border-light);
}

.nav-menu > li:hover > .submenu,
.nav-menu > li:hover > .sub-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.submenu li,
.sub-menu li {
    position: relative;
}

.submenu li a,
.sub-menu li a {
    display: block;
    padding: 10px 20px;
    color: var(--text-dark);
    font-size: 0.88rem;
    font-weight: 400;
    transition: all var(--transition-fast);
    border-left: 3px solid transparent;
}

.submenu li a:hover,
.sub-menu li a:hover {
    background-color: var(--light-gold-bg);
    color: var(--primary-gold-dark);
    border-left-color: var(--primary-gold);
    padding-left: 24px;
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}

.search-toggle,
.state-selector-toggle {
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: none;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 1rem;
    transition: all var(--transition-fast);
    color: var(--text-medium);
}

.search-toggle:hover,
.state-selector-toggle:hover {
    border-color: var(--primary-gold);
    color: var(--primary-gold);
    background-color: var(--light-gold-bg);
}

.cta-button {
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    color: #FFFFFF;
    padding: 10px 24px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.88rem;
    letter-spacing: 0.3px;
    transition: all var(--transition-normal);
    white-space: nowrap;
}

.cta-button:hover {
    transform: translateY(-1px);
    box-shadow: var(--shadow-gold);
    color: #FFFFFF;
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px;
    flex-direction: column;
    gap: 5px;
}

.hamburger-line {
    width: 24px;
    height: 2px;
    background-color: var(--text-dark);
    border-radius: 2px;
    transition: all var(--transition-normal);
}

.mobile-menu-toggle.active .hamburger-line:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-menu-toggle.active .hamburger-line:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active .hamburger-line:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

@media (max-width: 992px) {
    .mobile-menu-toggle {
        display: flex;
    }

    .main-navigation {
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        bottom: 0;
        background-color: #FFFFFF;
        flex-direction: column;
        align-items: stretch;
        padding: 80px 24px 24px;
        overflow-y: auto;
        transform: translateX(-100%);
        transition: transform var(--transition-smooth);
        z-index: 999;
    }

    .main-navigation.active {
        transform: translateX(0);
    }

    .nav-menu {
        flex-direction: column;
        gap: 0;
    }

    .nav-menu > li > a {
        padding: 14px 0;
        border-bottom: 1px solid var(--border-light);
        border-radius: 0;
        font-size: 1rem;
    }

    .nav-menu > li.menu-item-has-children > a::after {
        margin-left: auto;
        float: right;
    }

    .submenu,
    .sub-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding-left: 20px;
        display: none;
        border: none;
        border-radius: 0;
        background: var(--bg-light-gray);
        margin: 0;
    }

    .submenu.active,
    .sub-menu.active {
        display: block;
    }

    .submenu li a,
    .sub-menu li a {
        padding: 12px 16px;
        font-size: 0.9rem;
        border-left: none;
    }

    .submenu li a:hover,
    .sub-menu li a:hover {
        padding-left: 16px;
    }

    .header-actions {
        margin-top: 24px;
        padding-top: 24px;
        border-top: 1px solid var(--border-light);
        flex-direction: column;
        gap: 12px;
    }

    .cta-button {
        width: 100%;
        text-align: center;
        padding: 14px 24px;
    }

    .search-toggle,
    .state-selector-toggle {
        display: none;
    }
}

.hero-section {
    position: relative;
    min-height: 90vh;
    display: flex;
    align-items: center;
    background: linear-gradient(160deg, var(--bg-cream) 0%, var(--light-gold-bg) 40%, var(--soft-cream) 100%);
    color: var(--text-dark);
    padding-top: var(--header-height);
    overflow: hidden;
}

.hero-section::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 60%;
    height: 140%;
    background: radial-gradient(ellipse at center, rgba(201, 169, 110, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

.hero-section::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-gold), transparent);
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 60px 20px;
    position: relative;
    z-index: 2;
}

.hero-content {
    position: relative;
    z-index: 2;
}

.hero-badge {
    display: inline-block;
    background-color: var(--light-gold-bg);
    color: var(--primary-gold-dark);
    padding: 8px 24px;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 28px;
    letter-spacing: 1px;
    text-transform: uppercase;
    border: 1px solid var(--border-gold);
}

.hero-title {
    font-size: 3.4rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 24px;
    color: var(--text-dark);
    letter-spacing: -0.5px;
}

.hero-title .highlight {
    color: var(--primary-gold-dark);
    font-family: var(--font-logo);
    font-weight: 600;
}

.hero-subtitle {
    font-size: 1.15rem;
    line-height: 1.8;
    margin-bottom: 36px;
    color: var(--text-medium);
    max-width: 520px;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 48px;
}

.hero-buttons .btn-primary {
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    color: #FFFFFF;
    box-shadow: 0 4px 20px rgba(201, 169, 110, 0.3);
    padding: 16px 36px;
    font-size: 1rem;
}

.hero-buttons .btn-secondary {
    color: var(--text-dark);
    border: 2px solid var(--border-light);
    padding: 14px 34px;
}

.hero-buttons .btn-secondary:hover {
    border-color: var(--primary-gold);
    color: var(--primary-gold-dark);
    background-color: var(--light-gold-bg);
}

.trust-badges {
    display: flex;
    align-items: center;
    gap: 32px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--text-medium);
    font-size: 0.85rem;
    font-weight: 500;
}

.hero-visual {
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}

.hero-image-wrapper {
    position: relative;
    width: 100%;
    max-width: 480px;
    margin: 0 auto;
}

.hero-image-bg {
    position: absolute;
    top: -20px;
    left: -20px;
    right: 20px;
    bottom: 20px;
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    border-radius: var(--radius-xl);
    opacity: 0.12;
}

.hero-image-inner {
    position: relative;
    background: linear-gradient(135deg, var(--bg-white), var(--light-gold-bg));
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-gold);
    text-align: center;
}

.hero-icon-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.hero-icon-card {
    background: var(--bg-white);
    padding: 24px 16px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
    transition: all var(--transition-normal);
}

.hero-icon-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-gold);
}

.hero-icon-card .icon {
    font-size: 2rem;
    margin-bottom: 10px;
}

.hero-icon-card .label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--text-dark);
    line-height: 1.4;
}

.hero-icon-card .desc {
    font-size: 0.72rem;
    color: var(--text-light);
    margin-top: 4px;
}

@media (max-width: 992px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 40px;
        padding: 40px 20px;
    }

    .hero-title {
        font-size: 2.6rem;
    }

    .hero-visual {
        order: -1;
    }

    .hero-image-wrapper {
        max-width: 360px;
    }
}

@media (max-width: 768px) {
    .hero-section {
        min-height: auto;
        padding-top: calc(var(--header-height) + 20px);
        padding-bottom: 40px;
    }

    .hero-title {
        font-size: 2rem;
    }

    .hero-subtitle {
        font-size: 1rem;
    }

    .hero-buttons {
        flex-direction: column;
    }

    .hero-buttons .btn {
        width: 100%;
        text-align: center;
    }

    .trust-badges {
        gap: 16px;
    }

    .hero-icon-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .hero-icon-card {
        padding: 16px 12px;
    }

    .hero-icon-card .icon {
        font-size: 1.5rem;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 1.8rem;
    }

    .hero-icon-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }
}

.section {
    padding: 80px 0;
}

.section-light {
    background-color: var(--bg-white);
}

.section-yellow {
    background-color: var(--bg-light-gray);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-subtitle {
    display: inline-block;
    color: var(--primary-gold-dark);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 15px;
}

.section-title {
    font-size: 2.25rem;
    font-weight: 800;
    margin-bottom: 20px;
    color: var(--text-dark);
}

.section-description {
    color: var(--text-medium);
    font-size: 1.05rem;
    line-height: 1.7;
}

.categories-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
    margin-top: 40px;
}

.category-card {
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-normal);
    border: 1px solid var(--border-light);
}

.category-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-gold);
}

.category-card-body {
    padding: 28px;
}

.category-card-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 20px;
}

.category-card-title {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 12px;
}

.category-card-title a {
    color: var(--text-dark);
}

.category-card-title a:hover {
    color: var(--primary-gold-dark);
}

.category-card-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--primary-gold-dark);
    font-weight: 600;
    font-size: 0.9rem;
}

.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 28px;
    margin-top: 40px;
}

.article-card {
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-normal);
    border: 1px solid var(--border-light);
}

.article-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-gold);
}

.article-card-image-wrapper {
    position: relative;
    overflow: hidden;
    height: 210px;
}

.article-card-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-smooth);
}

.article-card:hover .article-card-image {
    transform: scale(1.05);
}

.article-card-category {
    position: absolute;
    top: 14px;
    left: 14px;
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    color: #FFFFFF;
    padding: 5px 14px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.article-card-body {
    padding: 24px;
}

.article-card-meta {
    display: flex;
    align-items: center;
    gap: 15px;
    font-size: 0.82rem;
    color: var(--text-light);
    margin-bottom: 12px;
}

.article-card-title {
    font-size: 1.15rem;
    font-weight: 700;
    line-height: 1.4;
    margin-bottom: 12px;
}

.article-card-title a {
    color: var(--text-dark);
}

.article-card-title a:hover {
    color: var(--primary-gold-dark);
}

.article-card-excerpt {
    color: var(--text-medium);
    font-size: 0.92rem;
    line-height: 1.6;
    margin-bottom: 20px;
}

.article-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.read-more-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary-gold-dark);
    font-weight: 600;
    font-size: 0.9rem;
}

.state-list {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
    gap: 12px;
    margin-top: 40px;
}

.state-item {
    background-color: var(--bg-white);
    padding: 16px;
    text-align: center;
    border-radius: var(--radius-sm);
    font-weight: 500;
    font-size: 0.88rem;
    color: var(--text-dark);
    transition: all var(--transition-fast);
    box-shadow: var(--shadow-xs);
    cursor: pointer;
    border: 1px solid var(--border-light);
}

.state-item:hover {
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    color: #FFFFFF;
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold);
    border-color: var(--primary-gold);
}

.comparison-table-wrapper {
    overflow-x: auto;
    margin-top: 40px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background-color: var(--bg-white);
}

.comparison-table thead {
    background: linear-gradient(135deg, var(--accent-deep-gray) 0%, var(--text-dark) 100%);
    color: #FFFFFF;
}

.comparison-table th {
    padding: 18px 16px;
    text-align: left;
    font-weight: 600;
    font-size: 0.88rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.comparison-table td {
    padding: 16px;
    border-bottom: 1px solid var(--border-light);
    font-size: 0.92rem;
}

.comparison-table tbody tr:hover {
    background-color: var(--light-gold-bg);
}

.comparison-table tbody tr:last-child td {
    border-bottom: none;
}

.feature-check {
    color: #2E7D32;
    font-weight: 700;
    font-size: 1.1rem;
}

.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background-color: var(--bg-white);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-fast);
}

.faq-item:hover {
    border-color: var(--border-gold);
}

.faq-item.active {
    border-color: var(--primary-gold);
    box-shadow: var(--shadow-gold);
}

.faq-question {
    width: 100%;
    padding: 20px 24px;
    background: none;
    border: none;
    text-align: left;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: var(--font-primary);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-normal);
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-content {
    padding: 0 24px 24px;
    color: var(--text-medium);
    line-height: 1.8;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 24px;
    margin-top: 40px;
}

.testimonial-card {
    background-color: var(--bg-white);
    padding: 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-normal);
    border: 1px solid var(--border-light);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-gold);
}

.testimonial-stars {
    color: var(--primary-gold);
    font-size: 1.1rem;
    margin-bottom: 18px;
}

.testimonial-text {
    font-size: 1rem;
    line-height: 1.7;
    color: var(--text-dark);
    margin-bottom: 24px;
    font-style: italic;
}

.newsletter-section {
    padding: 80px 0;
    background: linear-gradient(160deg, var(--light-gold-bg) 0%, var(--soft-cream) 50%, var(--light-gold-bg) 100%);
    color: var(--text-dark);
    position: relative;
    overflow: hidden;
}

.newsletter-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(ellipse at 30% 50%, rgba(201, 169, 110, 0.1) 0%, transparent 60%);
    pointer-events: none;
}

.newsletter-form {
    display: flex;
    gap: 12px;
    max-width: 520px;
    margin: 0 auto;
}

.newsletter-input {
    flex: 1;
    padding: 14px 22px;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    font-size: 1rem;
    background: var(--bg-white);
    color: var(--text-dark);
}

.newsletter-input::placeholder {
    color: var(--text-light);
}

.newsletter-input:focus {
    border-color: var(--primary-gold);
    outline: none;
    box-shadow: 0 0 0 3px rgba(201, 169, 110, 0.1);
}

.newsletter-submit {
    padding: 14px 32px;
    background: linear-gradient(135deg, var(--primary-gold) 0%, var(--warm-gold) 100%);
    color: #FFFFFF;
    border: none;
    border-radius: var(--radius-sm);
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition-normal);
    font-family: var(--font-primary);
}

.newsletter-submit:hover {
    box-shadow: 0 4px 20px rgba(201, 169, 110, 0.4);
    transform: translateY(-1px);
}

.breadcrumb-nav {
    padding: 16px 0;
    background-color: var(--bg-light-gray);
    border-bottom: 1px solid var(--border-light);
    margin-top: var(--header-height);
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
    list-style: none;
    margin: 0;
    padding: 0;
    font-size: 0.88rem;
}

.breadcrumb-item a {
    color: var(--primary-gold-dark);
    font-weight: 500;
}

.breadcrumb-separator {
    color: var(--text-light);
}

.breadcrumb-current {
    color: var(--text-medium);
}

.article-container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 40px 20px;
}

.article-main {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 50px;
    margin-top: 30px;
}

.article-content-area {
    background-color: var(--bg-white);
    padding: 40px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xs);
    border: 1px solid var(--border-light);
}

.article-title {
    font-size: 2.25rem;
    font-weight: 800;
    line-height: 1.3;
    margin-bottom: 20px;
}

.article-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    font-size: 0.88rem;
    color: var(--text-light);
}

.article-body {
    font-size: 1.02rem;
    line-height: 1.8;
}

.article-body h2 {
    margin-top: 2rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid var(--border-light);
}

.article-body h3 {
    margin-top: 1.5rem;
}

.toc-widget {
    background-color: var(--light-gold-bg);
    padding: 24px;
    border-radius: var(--radius-md);
    margin-bottom: 24px;
    border: 1px solid var(--border-gold);
}

.toc-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.toc-list a {
    color: var(--text-medium);
    display: block;
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
}

.toc-list a:hover {
    background-color: var(--bg-white);
    color: var(--primary-gold-dark);
}

.archive-header {
    background: linear-gradient(160deg, var(--light-gold-bg) 0%, var(--soft-cream) 100%);
    color: var(--text-dark);
    padding: 60px 0;
    text-align: center;
    margin-top: var(--header-height);
    position: relative;
    border-bottom: 1px solid var(--border-gold);
}

.archive-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(ellipse at 50% 50%, rgba(201, 169, 110, 0.08) 0%, transparent 60%);
    pointer-events: none;
}

.archive-title {
    font-size: 2.25rem;
    font-weight: 800;
    color: var(--text-dark);
    position: relative;
}

.archive-description {
    color: var(--text-medium);
    margin-top: 12px;
    position: relative;
}

.pagination {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    margin: 50px 0;
}

.page-numbers {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 42px;
    height: 42px;
    padding: 0 14px;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    color: var(--text-dark);
    font-weight: 500;
    font-size: 0.9rem;
    transition: all var(--transition-fast);
}

.page-numbers:hover,
.page-numbers.current {
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    border-color: var(--primary-gold);
    color: #FFFFFF;
}

.site-footer {
    background: linear-gradient(180deg, #1C1C1C 0%, #141414 100%);
    color: rgba(255, 255, 255, 0.85);
    padding: 70px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 50px;
}

.footer-column h3 {
    color: var(--primary-gold-light);
    font-size: 1.15rem;
    margin-bottom: 24px;
    font-weight: 600;
}

.footer-brand .site-logo-text {
    font-size: 1.2rem;
    background: linear-gradient(135deg, var(--primary-gold-light) 0%, var(--primary-gold) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.footer-links {
    list-style: none;
    margin: 0;
    padding: 0;
}

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

.footer-links a {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.88rem;
    transition: all var(--transition-fast);
}

.footer-links a:hover {
    color: var(--primary-gold-light);
    padding-left: 4px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.4);
    flex-wrap: wrap;
    gap: 12px;
}

.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    color: #FFFFFF;
    border: none;
    border-radius: 50%;
    font-size: 1.2rem;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-normal);
    z-index: 999;
    box-shadow: var(--shadow-gold);
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
}

.back-to-top:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 25px rgba(201, 169, 110, 0.4);
}

.contact-form {
    max-width: 700px;
    margin: 40px auto;
    padding: 40px;
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
}

.form-group {
    margin-bottom: 24px;
}

.form-label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    font-size: 0.92rem;
    color: var(--text-dark);
}

.form-control {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    outline: none;
    transition: all var(--transition-fast);
    font-family: var(--font-primary);
    background-color: var(--bg-white);
}

.form-control:focus {
    border-color: var(--primary-gold);
    box-shadow: 0 0 0 3px rgba(201, 169, 110, 0.1);
}

.search-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(28, 28, 28, 0.9);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-normal);
}

.search-overlay.active {
    opacity: 1;
    visibility: visible;
}

.search-input {
    width: 90%;
    max-width: 700px;
    padding: 20px 60px 20px 25px;
    font-size: 1.3rem;
    border: none;
    border-radius: var(--radius-md);
    background: var(--bg-white);
}

.search-close {
    position: absolute;
    right: calc(50% - 350px - 40px);
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    color: rgba(255, 255, 255, 0.7);
    font-size: 2rem;
    cursor: pointer;
}

.state-selector-modal {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(28, 28, 28, 0.85);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-normal);
}

.state-selector-modal.active {
    opacity: 1;
    visibility: visible;
}

.state-selector-content {
    background-color: var(--bg-white);
    padding: 40px;
    border-radius: var(--radius-lg);
    max-width: 800px;
    width: 90%;
    max-height: 80vh;
    overflow-y: auto;
}

.state-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(120px, 1fr));
    gap: 10px;
    margin-top: 20px;
}

.state-link {
    display: block;
    padding: 10px;
    text-align: center;
    background-color: var(--bg-light-gray);
    border-radius: var(--radius-sm);
    color: var(--text-dark);
    font-weight: 500;
    font-size: 0.85rem;
    transition: all var(--transition-fast);
    border: 1px solid transparent;
}

.state-link:hover {
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    color: #FFFFFF;
    border-color: var(--primary-gold);
}

.w-100 {
    width: 100%;
}

.widget-area.sidebar {
    position: sticky;
    top: calc(var(--header-height) + 20px);
    align-self: start;
}

@media (max-width: 992px) {
    .article-main {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .widget-area.sidebar {
        position: static;
    }
}

@media (max-width: 768px) {
    :root {
        --header-height: 64px;
    }

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

    .newsletter-form {
        flex-direction: column;
    }

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

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

    .section {
        padding: 50px 0;
    }

    .section-title {
        font-size: 1.75rem;
    }

    .article-content-area {
        padding: 24px;
    }

    .article-title {
        font-size: 1.75rem;
    }

    .site-logo-text {
        font-size: 1.1rem;
    }

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

@media (max-width: 480px) {
    .hero-title {
        font-size: 1.8rem;
    }

    .hero-subtitle {
        font-size: 0.95rem;
    }

    .trust-badges {
        flex-direction: column;
        gap: 12px;
    }

    .state-list {
        grid-template-columns: repeat(2, 1fr);
    }
}

.animate-in {
    opacity: 1 !important;
    transform: translateY(0) !important;
}

.page-loaded .hero-content {
    opacity: 1;
    transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }

    .category-card,
    .article-card,
    .testimonial-card,
    .faq-item,
    .state-item,
    .comparison-table-wrapper,
    .section-header {
        opacity: 1 !important;
        transform: none !important;
    }
}

.screen-reader-text {
    border: 0;
    clip: rect(1px, 1px, 1px, 1px);
    clip-path: inset(50%);
    height: 1px;
    margin: -1px;
    overflow: hidden;
    padding: 0;
    position: absolute;
    width: 1px;
    word-wrap: normal !important;
}

.screen-reader-text:focus {
    background-color: var(--primary-gold);
    clip: auto !important;
    clip-path: none;
    color: #FFFFFF;
    display: block;
    font-size: 1rem;
    font-weight: 700;
    height: auto;
    left: 8px;
    top: 8px;
    line-height: normal;
    padding: 16px 24px;
    text-decoration: none;
    width: auto;
    z-index: 100000;
}

:focus-visible {
    outline: 3px solid var(--primary-gold);
    outline-offset: 2px;
}

.widget {
    margin-bottom: 24px;
    padding: 24px;
    background-color: var(--bg-white);
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    box-shadow: var(--shadow-xs);
}

.widget-title {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--primary-gold);
    color: var(--text-dark);
}

.widget ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.widget ul li {
    padding: 8px 0;
    border-bottom: 1px solid var(--border-light);
    font-size: 0.9rem;
}

.widget ul li:last-child {
    border-bottom: none;
}

.widget ul li a {
    color: var(--text-dark);
    transition: all var(--transition-fast);
}

.widget ul li a:hover {
    color: var(--primary-gold-dark);
    padding-left: 4px;
}

.widget_search .search-form {
    display: flex;
    gap: 8px;
}

.widget_search .search-field {
    flex: 1;
    padding: 10px 14px;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
}

.widget_search .search-submit {
    padding: 10px 18px;
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    color: #FFFFFF;
    border: none;
    border-radius: var(--radius-sm);
    font-weight: 600;
    cursor: pointer;
}

.wp-block-image img {
    border-radius: var(--radius-md);
}

.wp-block-quote {
    border-left: 4px solid var(--primary-gold);
    padding: 16px 24px;
    background-color: var(--light-gold-bg);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin: 24px 0;
}

.wp-block-quote p {
    font-style: italic;
    font-size: 1.05rem;
}

.article-body h2,
.article-body h3,
.article-body h4 {
    scroll-margin-top: calc(var(--header-height) + 20px);
}

.eligibility-section {
    background: linear-gradient(160deg, var(--bg-white) 0%, var(--light-gold-bg) 100%);
    border-top: 3px solid var(--primary-gold);
    border-bottom: 1px solid var(--border-light);
}

.eligibility-section .section-subtitle {
    color: var(--primary-gold-dark);
}

.eligibility-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
    margin-top: 40px;
}

.eligibility-card {
    background: var(--bg-white);
    padding: 28px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-light);
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-normal);
}

.eligibility-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-gold);
}

.eligibility-card .eligibility-icon {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--primary-gold), var(--warm-gold));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    margin-bottom: 16px;
}

.eligibility-card h4 {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.eligibility-card p {
    color: var(--text-medium);
    font-size: 0.9rem;
    line-height: 1.6;
}

.quote-calculator select.form-control {
    appearance: auto;
}

@media (max-width: 768px) {
    .quote-calculator > div[style*="grid-template-columns"] {
        grid-template-columns: 1fr !important;
    }
    
    #cookieBanner {
        flex-direction: column;
        text-align: center;
    }
    
    #chatPanel {
        width: 300px !important;
        right: -10px !important;
    }
    
    .glossary-grid {
        grid-template-columns: 1fr !important;
    }
}

@media (max-width: 480px) {
    #chatPanel {
        width: 280px !important;
    }
    
    .live-chat-widget {
        bottom: 16px !important;
        right: 16px !important;
    }
}

@media (min-width: 1200px) {
    .container {
        max-width: var(--max-width);
    }
}

@media (min-width: 993px) and (max-width: 1199px) {
    .nav-menu > li > a {
        padding: 8px 12px;
        font-size: 0.85rem;
    }
    
    .articles-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 360px) {
    .hero-title {
        font-size: 1.5rem;
    }
    
    .hero-badge {
        font-size: 0.75rem;
        padding: 6px 16px;
    }
    
    .btn {
        padding: 12px 24px;
        font-size: 0.88rem;
    }
    
    .site-logo-text {
        font-size: 0.95rem;
    }
    
    .section-title {
        font-size: 1.5rem;
    }
    
    .article-title {
        font-size: 1.5rem;
    }
    
    .article-content-area {
        padding: 16px;
    }
}

@media print {
    .site-header,
    .site-footer,
    .back-to-top,
    .mobile-menu-toggle,
    .search-overlay,
    .state-selector-modal,
    .breadcrumb-nav,
    .newsletter-section,
    .hero-buttons,
    .trust-badges,
    .cta-button {
        display: none !important;
    }
    
    .hero-section {
        min-height: auto;
        padding: 20px;
        background: none;
        color: #000;
    }
    
    .hero-title,
    .hero-subtitle {
        color: #000;
    }
    
    body {
        font-size: 12pt;
        color: #000;
        background: #fff;
    }
    
    .article-content-area {
        box-shadow: none;
        border: none;
        padding: 0;
    }
}