/* ============================================
   BeSecuredNow.com — Peach & White Theme
   ============================================ */

:root {
  --peach:        #c05621;
  --peach-mid:    #dd6b20;
  --peach-light:  #fff5f0;
  --peach-pale:   #fffaf8;
  --peach-border: #fed7c3;
  --peach-dark:   #7b341e;
  --navy:         #2d3748;
  --white:        #ffffff;
  --border:       #fed7c3;
  --border-light: #feebc8;
  --text:         #2d3748;
  --text-mid:     #4a5568;
  --text-muted:   #718096;
  --bg-soft:      #fffaf8;
  --radius:       8px;
  --radius-lg:    12px;
  --shadow:       0 2px 12px rgba(192,86,33,0.08);
  --shadow-lg:    0 8px 32px rgba(192,86,33,0.12);
  --font:         'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Playfair Display', Georgia, serif;
  --transition:   all 0.2s ease;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

/* ============ TOPBAR ============ */
.topbar {
  background: var(--peach-dark);
  color: rgba(255,255,255,0.9);
  text-align: center;
  font-size: 13px;
  padding: 8px 20px;
}
.topbar a { color: #fbd38d; font-weight: 600; }

/* ============ HEADER ============ */
header {
  background: var(--white);
  border-bottom: 1px solid var(--peach-border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(192,86,33,0.06);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo { display: flex; align-items: center; gap: 10px; }
.logo-icon {
  background: var(--peach-light);
  border-radius: 8px;
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
}
.logo-name {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--peach-dark);
}
.logo-name span { color: var(--peach); }
.logo-tag { font-size: 11px; color: var(--text-muted); display: block; margin-top: -2px; }

nav { display: flex; align-items: center; gap: 4px; }
nav a {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-mid);
  padding: 7px 12px;
  border-radius: var(--radius);
  transition: var(--transition);
}
nav a:hover, nav a.active {
  background: var(--peach-light);
  color: var(--peach);
}
.nav-cta {
  background: var(--peach) !important;
  color: var(--white) !important;
  padding: 8px 18px !important;
  border-radius: var(--radius) !important;
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--peach-dark) !important; }

.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  flex-direction: column;
  gap: 5px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 2px; }
@media(max-width:768px) {
  .hamburger { display: flex; }
  nav { display: none; }
  nav.open {
    display: flex; flex-direction: column;
    position: absolute; top: 68px; left: 0; right: 0;
    background: var(--white); border-bottom: 1px solid var(--border);
    padding: 12px; gap: 2px; z-index: 200;
  }
  nav.open a { width: 100%; }
}

/* ============ BREADCRUMB ============ */
.breadcrumb {
  background: var(--peach-pale);
  border-bottom: 1px solid var(--border-light);
  padding: 10px 20px;
  font-size: 13px;
  color: var(--text-muted);
}
.breadcrumb a { color: var(--peach); }
.breadcrumb span { margin: 0 6px; }

/* ============ HERO ============ */
.hero {
  background: linear-gradient(160deg, var(--peach-light) 0%, var(--peach-pale) 60%, var(--white) 100%);
  padding: 56px 20px;
}
.hero-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
@media(max-width:768px) { .hero-inner { grid-template-columns: 1fr; } }
.hero-badge {
  background: var(--peach-border);
  display: inline-block;
  color: var(--peach-dark);
  font-size: 12px;
  font-weight: 600;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 16px;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: 38px;
  font-weight: 900;
  color: var(--peach-dark);
  line-height: 1.2;
  margin-bottom: 14px;
}
.hero h1 em { font-style: normal; color: var(--peach); }
.hero p { font-size: 16px; color: var(--text-mid); margin-bottom: 24px; line-height: 1.7; }
@media(max-width:768px) { .hero h1 { font-size: 26px; } }

/* Hero stats */
.hero-stats { display: flex; gap: 24px; margin-bottom: 24px; }
.hero-stat { text-align: center; background: var(--white); border: 1px solid var(--peach-border); border-radius: 10px; padding: 12px 16px; }
.hero-stat-num { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: var(--peach); }
.hero-stat-lbl { font-size: 11px; color: var(--text-muted); margin-top: 2px; }

/* Hero CTA buttons */
.hero-btns { display: flex; gap: 10px; flex-wrap: wrap; }
.btn-primary {
  background: var(--peach);
  color: var(--white);
  border: none;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
}
.btn-primary:hover { background: var(--peach-dark); transform: translateY(-1px); }
.btn-secondary {
  background: var(--white);
  color: var(--peach);
  border: 1.5px solid var(--peach-border);
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}
.btn-secondary:hover { background: var(--peach-light); }

/* ============ QUOTE FORM BOX ============ */
.quote-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1.5px solid var(--peach-border);
  box-shadow: var(--shadow-lg);
}
.quote-box h3 {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--peach-dark);
  margin-bottom: 16px;
}
.ins-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 14px;
}
.ins-type-btn {
  background: var(--peach-light);
  border: 1.5px solid var(--peach-border);
  border-radius: 8px;
  padding: 10px 6px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}
.ins-type-btn:hover, .ins-type-btn.active {
  background: var(--peach);
  border-color: var(--peach);
}
.ins-type-btn:hover span, .ins-type-btn.active span { color: var(--white); }
.ins-type-btn .icon { font-size: 18px; display: block; margin-bottom: 4px; }
.ins-type-btn span { font-size: 11px; font-weight: 600; color: var(--peach-dark); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 10px; }
@media(max-width:480px) { .form-row { grid-template-columns: 1fr; } }
.form-group { display: flex; flex-direction: column; gap: 4px; }
.form-group label { font-size: 12px; font-weight: 600; color: var(--text-mid); }
.form-group input, .form-group select {
  border: 1.5px solid var(--peach-border);
  border-radius: var(--radius);
  padding: 10px 12px;
  font-size: 14px;
  color: var(--text);
  transition: var(--transition);
  font-family: var(--font);
  width: 100%;
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--peach);
  box-shadow: 0 0 0 3px rgba(192,86,33,0.1);
}
.form-submit {
  background: var(--peach);
  color: var(--white);
  border: none;
  padding: 13px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  width: 100%;
  margin-top: 4px;
  transition: var(--transition);
}
.form-submit:hover { background: var(--peach-dark); }
.form-note { font-size: 11px; color: var(--text-muted); text-align: center; margin-top: 10px; }

/* ============ STATS BAR ============ */
.stats-bar { background: var(--white); border-bottom: 1px solid var(--border-light); padding: 20px; }
.stats-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 20px; text-align: center;
}
@media(max-width:600px) { .stats-inner { grid-template-columns: repeat(2,1fr); } }
.stat-num { font-family: var(--font-display); font-size: 28px; font-weight: 700; color: var(--peach); }
.stat-lbl { font-size: 12px; color: var(--text-muted); margin-top: 2px; }

/* ============ TRUST BAR ============ */
.trust-bar { background: var(--peach-pale); border-top: 1px solid var(--border-light); border-bottom: 1px solid var(--border-light); padding: 20px; }
.trust-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-around; flex-wrap: wrap; gap: 20px;
}
.trust-item { display: flex; align-items: center; gap: 10px; }
.trust-icon {
  width: 40px; height: 40px;
  background: var(--peach-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
}
.trust-title { font-weight: 600; font-size: 14px; color: var(--peach-dark); }
.trust-sub { font-size: 12px; color: var(--text-muted); }

/* ============ SECTION ============ */
.section { padding: 56px 20px; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-title { font-family: var(--font-display); font-size: 30px; font-weight: 700; color: var(--peach-dark); margin-bottom: 10px; }
.section-title em { font-style: normal; color: var(--peach); }
.section-sub { font-size: 15px; color: var(--text-muted); margin-bottom: 36px; }
.section-header { text-align: center; margin-bottom: 36px; }

/* ============ INSURANCE CARDS ============ */
.ins-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 18px; }
.ins-card {
  background: var(--white);
  border: 1.5px solid var(--peach-border);
  border-radius: var(--radius-lg);
  padding: 24px 16px;
  text-align: center;
  transition: var(--transition);
  display: block;
}
.ins-card:hover { border-color: var(--peach); box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.ins-card-icon {
  width: 58px; height: 58px;
  background: var(--peach-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
  font-size: 26px;
  transition: var(--transition);
}
.ins-card:hover .ins-card-icon { background: var(--peach); }
.ins-card-name { font-family: var(--font-display); font-size: 15px; font-weight: 700; color: var(--peach-dark); margin-bottom: 6px; }
.ins-card-desc { font-size: 12px; color: var(--text-muted); line-height: 1.5; margin-bottom: 12px; }
.ins-card-price { font-size: 12px; font-weight: 600; color: var(--peach); background: var(--peach-light); padding: 3px 10px; border-radius: 20px; display: inline-block; margin-bottom: 12px; }
.ins-card-cta { font-size: 12px; font-weight: 600; color: var(--peach); }

/* ============ HOW IT WORKS ============ */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media(max-width:640px) { .steps-grid { grid-template-columns: 1fr; } }
.step-card { text-align: center; padding: 28px 20px; background: var(--peach-pale); border-radius: var(--radius-lg); border: 1px solid var(--peach-border); }
.step-num {
  width: 44px; height: 44px;
  background: var(--peach);
  color: var(--white);
  border-radius: 50%;
  font-size: 18px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.step-title { font-weight: 700; color: var(--peach-dark); font-size: 16px; margin-bottom: 8px; }
.step-desc { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* ============ SUREHITS WIDGET ============ */
.surehits-wrap {
  background: var(--white);
  border: 2px solid var(--peach-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin: 28px 0;
  text-align: center;
}
.surehits-wrap h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--peach-dark);
  margin-bottom: 6px;
}
.surehits-wrap p { font-size: 14px; color: var(--text-muted); margin-bottom: 20px; }

/* ============ PAGE HERO ============ */
.page-hero { background: linear-gradient(135deg, var(--peach-dark) 0%, var(--peach) 100%); padding: 48px 20px; }
.page-hero-inner { max-width: 800px; margin: 0 auto; }
.page-hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.2);
  color: var(--white);
  font-size: 12px; font-weight: 600;
  padding: 4px 14px; border-radius: 20px;
  margin-bottom: 14px;
}
.page-hero h1 { font-family: var(--font-display); font-size: 36px; font-weight: 900; color: var(--white); margin-bottom: 12px; line-height: 1.2; }
.page-hero h1 em { font-style: normal; color: #fbd38d; }
.page-hero p { font-size: 16px; color: rgba(255,255,255,0.85); }
@media(max-width:768px) { .page-hero h1 { font-size: 26px; } }

/* ============ MAIN CONTENT LAYOUT ============ */
.main-wrap {
  max-width: 1200px; margin: 0 auto; padding: 40px 20px;
  display: grid; grid-template-columns: 1fr 300px; gap: 32px;
}
@media(max-width:900px) { .main-wrap { grid-template-columns: 1fr; } }

/* ============ ARTICLE BODY ============ */
.article-body h2 { font-family: var(--font-display); font-size: 24px; font-weight: 700; color: var(--peach-dark); margin: 32px 0 12px; padding-bottom: 8px; border-bottom: 2px solid var(--peach-light); }
.article-body h3 { font-size: 17px; font-weight: 700; color: var(--peach); margin: 20px 0 8px; }
.article-body p { font-size: 15px; line-height: 1.85; color: var(--text-mid); margin-bottom: 14px; }
.article-body ul { padding-left: 20px; margin-bottom: 16px; }
.article-body li { font-size: 15px; line-height: 1.8; color: var(--text-mid); margin-bottom: 6px; }
.callout { background: var(--peach-light); border-left: 4px solid var(--peach); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 20px; margin: 20px 0; font-size: 14px; color: var(--peach-dark); line-height: 1.7; }

/* ============ PROVIDER CARDS ============ */
.provider-card { background: var(--white); border: 1.5px solid var(--peach-border); border-radius: var(--radius-lg); padding: 24px; margin-bottom: 20px; transition: var(--transition); }
.provider-card:hover { box-shadow: var(--shadow); }
.provider-header { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 10px; margin-bottom: 12px; }
.provider-name { font-family: var(--font-display); font-size: 19px; font-weight: 700; color: var(--peach-dark); }
.provider-badge { background: var(--peach-border); color: var(--peach-dark); font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 20px; text-transform: uppercase; }
.provider-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 12px 0; }
.provider-stat { background: var(--peach-pale); border-radius: 6px; padding: 10px; text-align: center; }
.provider-stat-val { font-size: 14px; font-weight: 700; color: var(--peach-dark); }
.provider-stat-lbl { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.pros-cons-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.p-pros, .p-cons { padding: 12px 14px; border-radius: 6px; font-size: 13px; }
.p-pros { background: #f0fdf4; border: 1px solid #86efac; }
.p-cons { background: #fff7f7; border: 1px solid #fca5a5; }
.p-pros h5 { color: #166534; margin-bottom: 6px; font-size: 12px; }
.p-cons h5 { color: #991b1b; margin-bottom: 6px; font-size: 12px; }
.p-pros ul, .p-cons ul { list-style: none; padding: 0; }
.p-pros li::before { content: "✓ "; color: #16a34a; font-weight: 700; }
.p-cons li::before { content: "✗ "; color: #dc2626; font-weight: 700; }
.apply-btn { display: flex; justify-content: flex-end; margin-top: 14px; }
.apply-btn a { background: var(--peach); color: var(--white); font-size: 13px; font-weight: 700; padding: 10px 24px; border-radius: 6px; display: inline-block; transition: var(--transition); }
.apply-btn a:hover { background: var(--peach-dark); }

/* ============ RATE TABLE ============ */
.rate-table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px; }
.rate-table th { background: var(--peach-dark); color: var(--white); padding: 12px 14px; text-align: left; font-size: 12px; letter-spacing: .05em; text-transform: uppercase; }
.rate-table td { padding: 12px 14px; border-bottom: 1px solid var(--border-light); color: var(--text-mid); }
.rate-table tr:nth-child(even) td { background: var(--peach-pale); }
.rate-table tr:hover td { background: var(--peach-light); }

/* ============ SIDEBAR ============ */
aside { position: relative; }
.sidebar-widget { background: var(--white); border: 1.5px solid var(--peach-border); border-radius: var(--radius-lg); margin-bottom: 24px; overflow: hidden; }
.widget-header { background: var(--peach); color: var(--white); padding: 12px 16px; font-size: 13px; font-weight: 700; letter-spacing: .03em; }
.widget-body { padding: 16px; }
.widget-body ul { list-style: none; padding: 0; }
.widget-body li { display: flex; align-items: center; gap: 8px; padding: 8px 0; border-bottom: 1px solid var(--border-light); font-size: 13px; }
.widget-body li:last-child { border: none; }
.widget-body li a { color: var(--peach); font-weight: 500; }
.sidebar-cta { background: var(--peach); padding: 20px 16px; text-align: center; }
.sidebar-cta h4 { color: var(--white); font-size: 15px; margin-bottom: 6px; }
.sidebar-cta p { color: rgba(255,255,255,0.8); font-size: 12px; margin-bottom: 14px; }
.sidebar-cta a { background: #fbd38d; color: var(--peach-dark); font-weight: 700; font-size: 13px; padding: 10px 20px; border-radius: 6px; display: inline-block; }
.ad-slot { background: var(--peach-pale); border: 1px dashed var(--peach-border); display: flex; align-items: center; justify-content: center; font-size: 11px; color: var(--text-muted); min-height: 250px; }

/* ============ GUIDE CARDS ============ */
.guide-cards-section { background: var(--peach-pale); padding: 40px 20px; margin-top: 40px; border-top: 2px solid var(--peach-border); }
.guide-cards-inner { max-width: 1200px; margin: 0 auto; }
.guide-cards-title { font-family: var(--font-display); font-size: 24px; font-weight: 700; color: var(--peach-dark); margin-bottom: 6px; }
.guide-cards-sub { font-size: 14px; color: var(--text-muted); margin-bottom: 24px; }
.guide-cards-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 14px; }
.guide-card { background: var(--white); border: 1.5px solid var(--peach-border); border-radius: 12px; padding: 18px 14px; text-align: center; display: block; text-decoration: none; transition: all 0.2s; }
.guide-card:hover { border-color: var(--peach); transform: translateY(-3px); box-shadow: 0 8px 20px rgba(192,86,33,0.1); }
.guide-card.current { background: var(--peach-dark); border-color: var(--peach-dark); }
.guide-card.current .guide-card-name { color: #fbd38d; }
.guide-card.current .guide-card-arrow { color: rgba(255,255,255,0.6); }
.guide-card-icon { width: 48px; height: 48px; background: var(--peach-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 10px; font-size: 22px; }
.guide-card.current .guide-card-icon { background: rgba(251,211,141,0.15); }
.guide-card-name { font-weight: 700; font-size: 13px; color: var(--peach-dark); margin-bottom: 2px; }
.guide-card-arrow { font-size: 11px; color: var(--peach); margin-top: 8px; }

/* ============ VERTICAL LINKS BAR ============ */
.vertical-links-bar { background: var(--peach-light); border-top: 2px solid var(--peach); border-bottom: 2px solid var(--peach); padding: 24px 20px; margin-top: 40px; }
.vertical-links-inner { max-width: 1200px; margin: 0 auto; display: flex; flex-wrap: wrap; gap: 10px; }
.vlink { background: var(--white); border: 1.5px solid var(--peach-border); color: var(--peach-dark); font-size: 13px; font-weight: 500; padding: 8px 18px; border-radius: 6px; transition: var(--transition); display: flex; align-items: center; gap: 6px; }
.vlink:hover { border-color: var(--peach); background: var(--peach-light); }
.vlink.current { background: var(--peach); color: var(--white); border-color: var(--peach); }

/* ============ NEWSLETTER ============ */
.newsletter-widget { background: linear-gradient(135deg, var(--peach) 0%, var(--peach-dark) 100%); border-radius: var(--radius-lg); padding: 24px; margin-bottom: 24px; text-align: center; }
.newsletter-widget h4 { color: var(--white); font-size: 16px; margin-bottom: 6px; }
.newsletter-widget p { color: rgba(255,255,255,0.8); font-size: 13px; margin-bottom: 14px; }
.newsletter-input { width: 100%; padding: 10px 12px; border-radius: var(--radius); border: none; font-size: 14px; margin-bottom: 8px; }
.newsletter-btn { width: 100%; background: #fbd38d; color: var(--peach-dark); border: none; padding: 10px; border-radius: var(--radius); font-size: 13px; font-weight: 700; cursor: pointer; transition: var(--transition); }
.newsletter-btn:hover { background: #f6ad55; }

/* ============ FOOTER ============ */
footer { background: var(--peach-dark); color: rgba(255,255,255,0.8); }
.footer-top { max-width: 1200px; margin: 0 auto; padding: 48px 20px 32px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
@media(max-width:768px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media(max-width:480px) { .footer-top { grid-template-columns: 1fr; } }
.footer-brand .logo-name { color: var(--white); font-size: 22px; }
.footer-brand p { font-size: 13px; color: rgba(255,255,255,0.6); margin-top: 10px; line-height: 1.6; }
.footer-col h5 { color: var(--white); font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { font-size: 13px; color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-col a:hover { color: var(--white); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px; text-align: center; font-size: 12px; color: rgba(255,255,255,0.4); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; max-width: 1200px; margin: 0 auto; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,0.4); font-size: 12px; }
.footer-legal a:hover { color: var(--white); }

/* ============ DISCLAIMER ============ */
.disclaimer { background: #f8f9fa; border-top: 1px solid #e2e8f0; padding: 14px 20px; font-size: 11px; color: var(--text-muted); text-align: center; line-height: 1.6; }