/*
Theme Name: Health Cover Match
Theme URI: https://healthcovermatch.com
Author: Health Cover Match
Description: Landing page theme for health insurance enrollment lead generation.
Version: 1.1.6
Requires at least: 6.0
Requires PHP: 7.4
License: GNU General Public License v2 or later
Text Domain: healthcovermatch
*/

:root{
  --blue:#1447e6;--blue-dark:#0f38b8;--navy:#1e3a5f;--navy-deep:#0b1f3a;
  --ink:#111827;--muted:#4b5563;--line:#e5e7eb;--bg:#f5f7fb;--white:#fff;--green:#16a34a;
  --radius:14px;--shadow:0 10px 30px rgba(15,23,42,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Poppins,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.2;font-weight:700}
p{margin:0 0 1em}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 28px;border-radius:12px;font-weight:600;text-decoration:none;border:0;cursor:pointer;font-family:inherit;font-size:16px;transition:background .2s,transform .2s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-outline{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.btn-outline:hover{background:#eef2ff}
.btn svg{width:20px;height:20px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--blue);font-weight:700;font-size:20px}
.brand svg{width:34px;height:34px}
.header-phone{display:inline-flex;align-items:center;gap:8px;color:var(--ink);text-decoration:none;font-weight:600}
.header-phone svg{width:20px;height:20px;color:var(--blue)}
.header-phone .label{display:none;font-weight:400;color:var(--muted);font-size:13px}
@media(min-width:768px){.header-phone .label{display:inline}}

/* Hero */
.hero{position:relative;background:var(--navy-deep);color:#fff;overflow:hidden;min-height:620px;display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:70% center}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,31,58,.92) 0%,rgba(11,31,58,.75) 45%,rgba(11,31,58,.15) 100%)}
.hero .container{position:relative;padding-top:64px;padding-bottom:64px}
.hero-inner{max-width:600px}
.hero h1{font-size:clamp(34px,5vw,58px);color:#fff;margin-bottom:16px}
.hero p.lead{font-size:18px;color:#dbe4f3;margin-bottom:28px;max-width:520px}
.zip-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);max-width:420px}
.zip-card label{display:block;font-weight:600;font-size:14px;margin-bottom:8px}
.zip-row{display:grid;grid-template-columns:minmax(0,1fr) 56px;gap:10px}
.zip-row input{min-width:0;width:100%;border:2px solid #d1d5db;border-radius:12px;padding:13px 14px;font-size:17px;font-weight:500;font-family:inherit;outline:0}
.zip-row input:focus{border-color:var(--blue)}
.zip-row button{border:0;border-radius:12px;background:var(--blue);color:#fff;cursor:pointer;display:flex;align-items:center;justify-content:center}
.zip-row button:hover{background:var(--blue-dark)}
.zip-row button svg{width:22px;height:22px}
.zip-error{display:none;color:#dc2626;font-size:13px;margin-top:8px}
.zip-card.has-error .zip-error{display:block}
.zip-card.has-error input{border-color:#dc2626}
.agents{display:flex;align-items:center;flex-wrap:wrap;gap:6px 10px;margin-top:16px;font-size:14px}
.agents .dot{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(22,163,74,.2)}
.agents a{color:var(--ink);font-weight:700;text-decoration:none;font-size:16px;white-space:nowrap}
.hero .agents{color:#dbe4f3}.hero .agents a{color:#fff}
.zip-card .agents{color:var(--ink)}.zip-card .agents a{color:var(--ink)}

/* Carriers */
.carriers{background:var(--bg);padding:40px 0;border-bottom:1px solid var(--line)}
.carriers h2{text-align:center;font-size:18px;color:var(--navy);font-weight:600;margin-bottom:24px}
.carrier-grid{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:22px 40px}
.carrier-grid img{height:34px;width:auto;max-width:140px;object-fit:contain;filter:grayscale(1);opacity:.75;transition:.2s}
.carrier-grid img:hover{filter:none;opacity:1}

/* Sections */
.section{padding:72px 0}
.section-title{text-align:center;font-size:clamp(26px,3.4vw,40px);color:var(--navy);margin-bottom:12px}
.section-sub{text-align:center;color:var(--muted);max-width:720px;margin:0 auto 40px;font-size:17px}

/* Tabs */
.tabs{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-bottom:36px}
.tab{padding:10px 22px;border-radius:999px;border:2px solid var(--line);background:#fff;font-weight:600;cursor:pointer;font-family:inherit;font-size:15px;color:var(--navy)}
.tab[aria-selected="true"]{background:var(--blue);border-color:var(--blue);color:#fff}
.panel{display:none}
.panel.active{display:grid}
.panel{grid-template-columns:1fr;gap:36px;align-items:center}
@media(min-width:900px){.panel{grid-template-columns:1.1fr 1fr}}
.panel img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;aspect-ratio:4/3;object-fit:cover}
.panel h3{font-size:clamp(22px,2.6vw,30px);color:var(--navy)}
.panel p{color:var(--muted)}
.features{list-style:none;padding:0;margin:18px 0 24px;display:grid;gap:10px}
.features li{display:flex;gap:10px;align-items:flex-start;color:var(--ink)}
.features svg{flex:none;width:22px;height:22px;color:var(--green);margin-top:2px}

/* Steps */
.steps-section{background:var(--bg)}
.steps{display:grid;gap:24px;grid-template-columns:1fr}
@media(min-width:800px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border-radius:var(--radius);padding:30px 26px;box-shadow:var(--shadow);border:1px solid var(--line)}
.step .num{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:22px;margin-bottom:18px}
.step h3{font-size:20px;color:var(--navy)}
.step p{color:var(--muted);margin:0}
.steps-cta{text-align:center;margin-top:40px}

/* Bottom CTA */
.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 100%);color:#fff;text-align:center}
.cta h2{color:#fff;font-size:clamp(26px,3.4vw,40px)}
.cta .zip-card{margin:24px auto 0;text-align:left}
.badges{display:flex;justify-content:center;gap:24px;margin-top:28px;flex-wrap:wrap;align-items:center}
.badges img{height:40px;width:auto}

/* Footer */
.site-footer{background:#0b1220;color:#9fb0c8;padding:40px 0 30px;font-size:14px}
.footer-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;align-items:center;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:20px;margin-bottom:20px}
.footer-links{display:flex;flex-wrap:wrap;gap:18px}
.footer-links a{color:#cbd5e1;text-decoration:none}
.footer-links a:hover{color:#fff}
.site-footer .agents{color:#cbd5e1}.site-footer .agents a{color:#fff}
.disclaimer{font-size:12.5px;line-height:1.7;color:#8a9bb5}
.disclaimer strong{color:#cbd5e1}

/* Content pages */
.page-content{padding:56px 0;max-width:820px}
.page-content h1{font-size:clamp(30px,4vw,44px);color:var(--navy);margin-bottom:8px}
.page-content .updated{color:var(--muted);font-size:14px;margin-bottom:32px}
.page-content h2{font-size:22px;color:var(--navy);margin-top:36px}
.page-content h3{font-size:18px;color:var(--navy);margin-top:24px}
.page-content ul{padding-left:22px}
.page-content li{margin-bottom:6px}

/* Quote form */
.quote-wrap{background:var(--bg);padding:56px 0;min-height:70vh}
.quote-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px;max-width:640px;margin:0 auto}
.quote-card h1{font-size:28px;color:var(--navy)}
.quote-card .intro{color:var(--muted)}
.form-grid{display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:600px){.form-grid{grid-template-columns:1fr 1fr}.form-grid .full{grid-column:1/-1}}
.field label{display:block;font-weight:600;font-size:14px;margin-bottom:6px}
.field input,.field select{width:100%;border:2px solid #d1d5db;border-radius:10px;padding:12px 14px;font-size:16px;font-family:inherit;outline:0;background:#fff}
.field input:focus,.field select:focus{border-color:var(--blue)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--muted);line-height:1.6}
.consent input{margin-top:4px}
.notice{padding:14px 16px;border-radius:10px;margin-bottom:18px;font-weight:500}
.notice-ok{background:#dcfce7;color:#166534}
.notice-err{background:#fee2e2;color:#991b1b}
.trust-row{display:flex;gap:16px;align-items:center;justify-content:center;margin-top:20px;color:var(--muted);font-size:13px}
.trust-row svg{width:18px;height:18px;color:var(--green)}

/* Sticky mobile call bar */
.call-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--blue);color:#fff;padding:12px 16px;text-align:center;text-decoration:none;font-weight:700;font-size:17px;box-shadow:0 -6px 20px rgba(0,0,0,.2)}
@media(max-width:700px){.call-bar{display:block}body{padding-bottom:54px}}

/* ---------- Multi-step quote modal (v1.1) ---------- */
body.modal-open{overflow:hidden}
.modal{position:fixed;inset:0;z-index:100;display:flex;align-items:flex-start;justify-content:center;padding:24px 12px;overflow-y:auto}
.modal-backdrop{position:fixed;inset:0;background:rgba(11,31,58,.7);backdrop-filter:blur(3px)}
.modal-dialog{position:relative;background:#fff;border-radius:22px;width:100%;max-width:700px;padding:40px 40px 32px;box-shadow:0 30px 80px rgba(0,0,0,.35);margin:auto 0}
@media(max-width:640px){.modal-dialog{padding:28px 20px 24px;border-radius:16px}.modal{padding:10px}}
.modal-close{position:absolute;top:18px;right:18px;background:none;border:0;cursor:pointer;color:#6b7280;padding:6px}
.modal-close svg{width:28px;height:28px}
.quote-form{position:relative}
.step{display:none}
.step.active{display:block}
.step-back{width:44px;height:44px;border-radius:50%;border:1.5px solid #cfd5df;background:#fff;color:var(--ink);cursor:pointer;display:flex;align-items:center;justify-content:center;margin-bottom:22px}
.step-back svg{width:20px;height:20px}
.step-head{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:18px}
.step-head h2{font-size:clamp(24px,3.4vw,34px);margin:0 0 4px;color:var(--ink)}
.step-head p{margin:0;color:#4b5563;font-size:17px}
.step-count{text-align:right;color:#4b5563;font-size:15px;white-space:nowrap;padding-top:4px}
.dots{display:flex;gap:5px;justify-content:flex-end;margin-top:6px}
.dots i{width:9px;height:9px;border-radius:50%;background:#cbd5e1}
.step[data-step="1"] .dots i:nth-child(1),.step[data-step="2"] .dots i:nth-child(-n+2),.step[data-step="3"] .dots i{background:var(--blue)}
.progress{height:8px;background:#e5e7eb;border-radius:99px;overflow:hidden;margin-bottom:28px}
.progress .bar{height:100%;background:var(--blue);border-radius:99px;transition:width .3s}
.quote-form .field{margin-bottom:22px}
.quote-form .field label,.quote-form .field .label{display:block;font-weight:700;font-size:18px;margin-bottom:10px;color:var(--ink)}
.quote-form .req{color:#dc2626}
.quote-form input[type=text],.quote-form input[type=tel],.quote-form input[type=email],.quote-form select{width:100%;border:1.5px solid #cfd5df;border-radius:14px;padding:16px 18px;font-size:18px;font-family:inherit;outline:0;background:#fff;color:var(--ink)}
.quote-form input:focus,.quote-form select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,71,230,.12)}
.quote-form select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23374151' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 18px center;padding-right:44px}
.radio-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.radio-card{display:flex;align-items:center;gap:12px;border:1.5px solid #cfd5df;border-radius:14px;padding:16px 18px;cursor:pointer;font-size:18px;font-weight:500;color:var(--ink)}
.radio-card:has(input:checked){border-color:var(--blue);background:#eef2ff}
.radio-card input{width:20px;height:20px;accent-color:var(--blue);margin:0}
.step-actions{display:flex;justify-content:flex-end;margin:8px 0 28px}
.step-actions .btn{padding:16px 40px;font-size:18px;border-radius:14px}
.btn-submit{background:linear-gradient(90deg,#2b6df6,#5ec7a0);color:#fff}
.btn-submit:disabled{opacity:.7;cursor:wait}
.step-error{color:#dc2626;font-weight:500;margin:-8px 0 14px}
.quote-form .consent{font-size:16px;color:var(--ink);line-height:1.55;margin-bottom:22px}
.quote-form .consent input{width:22px;height:22px;accent-color:var(--blue);margin-top:2px;flex:none}
.quote-form .form-grid{margin-bottom:18px}
.legal-box{border:1.5px solid #e5e7eb;border-radius:14px;padding:18px 22px;color:#4b5563;font-size:15.5px;line-height:1.6;margin-top:8px}
.legal-box p{margin:0 0 12px}.legal-box p:last-child{margin:0}
.site-box{margin-top:22px}
.quote-card{max-width:760px}
.quote-card.thanks{text-align:center}
.quote-form .field label.radio-card{display:flex;font-weight:500;font-size:18px;margin:0}
.modal-dialog .step[data-step="1"] .step-head{padding-right:44px}
.modal-close{top:14px;right:14px}
.modal[hidden]{display:none}
.trust-badges{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.trust-badges img{height:34px;width:auto;max-width:46%;object-fit:contain}
.trust-badges .sep{width:1px;height:30px;background:var(--line)}
.cta .badges{display:none}