/* Veteran Life Insurance Guide — main website (lifeinsuranceforvets.com layout) */

:root {
  --liv-dark: #0c3c60;
  --liv-hero: #001729;
  --liv-accent: #005595;
  --liv-light: #f1f6ff;
  --liv-white: #ffffff;
  --liv-text: #1a1a1a;
  --liv-muted: #4a5568;
  --liv-line: #dbe7f7;
  --font-head: "Montserrat", ui-sans-serif, system-ui, sans-serif;
  --font-body: "Lato", ui-sans-serif, system-ui, sans-serif;
  --max: 1170px;
  --pad-x: clamp(16px, 4vw, 24px);
  --section-y: clamp(40px, 6vw, 70px);
  --radius: 5px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
  -webkit-text-size-adjust: 100%;
}

body.liv-site {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.55;
  color: var(--liv-text);
  background: var(--liv-white);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.liv-container {
  width: min(var(--max), calc(100% - var(--pad-x) * 2));
  margin: 0 auto;
}

.skip {
  position: absolute;
  left: -999px;
  top: 10px;
  background: #fff;
  padding: 10px;
  z-index: 100;
}

.skip:focus {
  left: 12px;
}

/* ---------- Top bar ---------- */
.liv-topbar {
  position: relative;
  background: linear-gradient(180deg, #082f4a 0%, var(--liv-dark) 100%);
  color: var(--liv-white);
  font-family: var(--font-head);
  font-size: 13px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.liv-topbar-accent {
  display: flex;
  height: 3px;
}

.liv-topbar-accent span:nth-child(1) { flex: 1; background: #b91c1c; }
.liv-topbar-accent span:nth-child(2) { flex: 1; background: #ffffff; }
.liv-topbar-accent span:nth-child(3) { flex: 1; background: #1d4ed8; }

.liv-topbar-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  min-height: 48px;
  gap: 16px;
  padding: 8px 0;
}

.liv-topbar-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--liv-white);
  text-decoration: none;
  min-width: 0;
  padding: 4px 8px;
  border-radius: var(--radius);
  transition: background 0.2s ease;
}

.liv-topbar-link:hover {
  text-decoration: none;
  background: rgba(255, 255, 255, 0.08);
}

.liv-topbar-email {
  justify-self: end;
}

.liv-topbar-ico {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: #7ec4f0;
}

.liv-topbar-text {
  display: flex;
  flex-direction: column;
  gap: 1px;
  min-width: 0;
}

.liv-topbar-text small {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.2;
}

.liv-topbar-text strong {
  font-size: 14px;
  font-weight: 700;
  line-height: 1.2;
  white-space: nowrap;
}

.liv-topbar-badge {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin: 0;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-align: center;
  color: rgba(255, 255, 255, 0.95);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 999px;
  white-space: nowrap;
}

.liv-topbar-star {
  width: 14px;
  height: 14px;
  color: #e8b84a;
  flex-shrink: 0;
}

.liv-topbar-mobile-note {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin: 0;
  padding: 0 16px 10px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.88);
}

@media (min-width: 768px) {
  .liv-topbar-badge-desktop {
    display: inline-flex;
  }
}

/* ---------- Header / nav ---------- */
.liv-header {
  background: var(--liv-light);
  border-bottom: 1px solid var(--liv-line);
  position: sticky;
  top: 0;
  z-index: 30;
}

.liv-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 16px;
  position: relative;
}

.liv-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  text-decoration: none;
  color: inherit;
}

.liv-logo:hover {
  text-decoration: none;
  opacity: 0.92;
}

.liv-logo-mark {
  display: block;
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  object-fit: contain;
}

.liv-logo-footer .liv-logo-mark {
  width: 48px;
  height: 48px;
}

.liv-logo-word {
  display: flex;
  flex-direction: column;
  gap: 2px;
  line-height: 1.1;
}

.liv-logo-name {
  font-family: var(--font-head);
  font-size: clamp(15px, 2.2vw, 18px);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--liv-dark);
}

.liv-logo-tag {
  font-family: var(--font-head);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--liv-accent);
}

.liv-logo-footer {
  margin-bottom: 12px;
}

.liv-nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  border: 1px solid #c5d6ea;
  border-radius: 4px;
  background: var(--liv-white);
  cursor: pointer;
}

.liv-nav-toggle span {
  display: block;
  height: 2px;
  background: var(--liv-text);
}

.liv-nav {
  display: flex;
  align-items: center;
  flex-wrap: nowrap;
  gap: 0;
  margin-left: auto;
}

.liv-nav a {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  padding: 12px 16px;
  color: var(--liv-text);
  white-space: nowrap;
  border-radius: var(--radius);
}

.liv-nav a:hover,
.liv-nav a:focus-visible {
  color: var(--liv-accent);
  text-decoration: none;
  background: rgba(0, 85, 149, 0.06);
}

.liv-nav-cta {
  margin-left: 8px;
  padding: 11px 18px !important;
  background: var(--liv-accent);
  color: var(--liv-white) !important;
}

.liv-nav-cta:hover,
.liv-nav-cta:focus-visible {
  background: var(--liv-dark) !important;
  color: var(--liv-white) !important;
}

/* ---------- Hero ---------- */
.liv-hero {
  position: relative;
  background: var(--liv-hero);
  color: var(--liv-white);
  padding: var(--section-y) 0;
  overflow: hidden;
}

.liv-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 85% 40%, rgba(77, 163, 224, 0.22) 0%, transparent 55%),
    radial-gradient(ellipse 50% 40% at 10% 80%, rgba(0, 85, 149, 0.35) 0%, transparent 50%),
    linear-gradient(135deg, rgba(12, 60, 96, 0.4) 0%, transparent 60%);
  pointer-events: none;
}

.liv-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0, 23, 41, 0.92) 0%, rgba(0, 23, 41, 0.75) 55%, rgba(0, 23, 41, 0.5) 100%);
  pointer-events: none;
}

.liv-hero .liv-container {
  position: relative;
  z-index: 1;
}

.liv-hero-kicker {
  font-family: var(--font-head);
  font-size: clamp(18px, 2.5vw, 23px);
  font-weight: 400;
  margin: 0 0 12px;
  color: var(--liv-white);
}

.liv-hero-title {
  font-family: var(--font-head);
  font-size: clamp(28px, 4.5vw, 36px);
  font-weight: 700;
  line-height: 1.25;
  margin: 0 0 16px;
  max-width: 14ch;
  color: var(--liv-white);
}

.liv-hero-sub {
  font-family: var(--font-body);
  font-size: clamp(14px, 1.8vw, 16px);
  margin: 0 0 16px;
  max-width: 36ch;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.88);
}

.liv-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  padding: 14px 24px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease, transform 0.15s ease, box-shadow 0.15s ease;
}

.liv-btn:hover {
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.12);
}

.liv-btn:active {
  transform: translateY(0);
}

.liv-nav-toggle:focus-visible {
  outline: 2px solid var(--liv-accent);
  outline-offset: 2px;
}

.liv-btn:focus-visible {
  outline: 2px solid var(--liv-accent);
  outline-offset: 3px;
}

.liv-btn-white {
  background: var(--liv-white);
  color: var(--liv-text);
  border-color: var(--liv-white);
}

.liv-btn-outline {
  background: transparent;
  color: var(--liv-dark);
  border-color: var(--liv-dark);
}

.liv-btn-outline-light {
  background: transparent;
  color: var(--liv-white);
  border-color: var(--liv-white);
}

/* ---------- Intro (white band) ---------- */
.liv-intro {
  padding: var(--section-y) 0;
  text-align: center;
  background: var(--liv-white);
}

.liv-intro h2 {
  font-family: var(--font-head);
  font-size: clamp(24px, 3.2vw, 32px);
  font-weight: 700;
  line-height: 1.35;
  margin: 0 auto 16px;
  color: var(--liv-text);
  max-width: 22ch;
}

.liv-intro p {
  font-size: clamp(14px, 1.8vw, 16px);
  max-width: 62ch;
  margin: 0 auto;
  line-height: 1.55;
  color: var(--liv-muted);
}

.liv-benefits {
  padding: 0 0 var(--section-y);
}

.liv-benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  align-items: stretch;
  padding-top: 48px;
}

.liv-benefit {
  display: flex;
  flex-direction: column;
  align-items: center;
  border: 2px solid var(--liv-accent);
  padding: 0 16px 28px;
  text-align: center;
  height: 100%;
  background: var(--liv-white);
}

.liv-benefit-icon {
  margin: -40px auto 20px;
  width: 80px;
  height: 80px;
  flex-shrink: 0;
  display: grid;
  place-items: center;
  background: var(--liv-white);
  border-radius: 50%;
}

.liv-benefit h3 {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  line-height: 1.35;
  margin: 0 0 12px;
  color: var(--liv-text);
}

.liv-intro h2 strong {
  color: var(--liv-accent);
  font-weight: 700;
}

.liv-benefit h3 .word-accent {
  display: block;
  color: var(--liv-accent);
  font-weight: 700;
}

.liv-benefit-icon::before {
  content: "";
  display: block;
  width: 44px;
  height: 44px;
  background: var(--liv-accent);
  mask-size: contain;
  mask-repeat: no-repeat;
  mask-position: center;
  -webkit-mask-size: contain;
  -webkit-mask-repeat: no-repeat;
  -webkit-mask-position: center;
}

.liv-icon-savings::before {
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6'/%3E%3C/svg%3E");
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6'/%3E%3C/svg%3E");
}

.liv-icon-quotes::before {
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z'/%3E%3C/svg%3E");
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z'/%3E%3C/svg%3E");
}

.liv-icon-partnership::before {
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2'/%3E%3Ccircle cx='9' cy='7' r='4'/%3E%3Cpath d='M22 21v-2a4 4 0 0 0-3-3.87M16 3.13a4 4 0 0 1 0 7.75'/%3E%3C/svg%3E");
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2'/%3E%3Ccircle cx='9' cy='7' r='4'/%3E%3Cpath d='M22 21v-2a4 4 0 0 0-3-3.87M16 3.13a4 4 0 0 1 0 7.75'/%3E%3C/svg%3E");
}

.liv-icon-expertise::before {
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z'/%3E%3C/svg%3E");
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z'/%3E%3C/svg%3E");
}

.liv-carrier-name {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--liv-dark);
  text-align: center;
  line-height: 1.25;
}

.liv-hero-title .accent {
  color: #4da3e0;
  font-weight: 700;
}

/* ---------- Commitment (dark split + stats) ---------- */
.liv-commitment {
  background: var(--liv-dark);
  color: var(--liv-white);
  padding: var(--section-y) 0;
}

.liv-commitment-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: clamp(24px, 4vw, 48px);
  align-items: center;
}

.liv-commitment-visual {
  width: 100%;
  min-height: 320px;
  max-height: 520px;
  aspect-ratio: 4 / 3;
  border-radius: var(--radius);
  background:
    linear-gradient(160deg, rgba(77, 163, 224, 0.25) 0%, transparent 45%),
    linear-gradient(220deg, rgba(0, 85, 149, 0.55) 0%, var(--liv-hero) 70%);
  border: 1px solid rgba(255, 255, 255, 0.12);
  position: relative;
  overflow: hidden;
}

.liv-commitment-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: url("./assets/logo-mark.svg") center / 120px no-repeat;
  opacity: 0.12;
}

.liv-commitment-copy {
  padding: 8px 0;
}

.liv-commitment-copy > p {
  font-size: clamp(15px, 1.8vw, 16px);
  margin: 0 0 36px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.92);
  max-width: 52ch;
}

.liv-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  text-align: center;
}

.liv-stat {
  padding: 12px 8px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
}

.liv-stat h3 {
  font-family: var(--font-head);
  font-size: clamp(28px, 4vw, 36px);
  font-weight: 700;
  margin: 0 0 6px;
  color: var(--liv-white);
  line-height: 1.1;
}

.liv-stat p {
  font-size: 14px;
  font-weight: 600;
  margin: 0;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.35;
  text-transform: capitalize;
}

/* ---------- VA Life ---------- */
.liv-valife {
  padding: var(--section-y) 0;
}

.liv-valife-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(28px, 5vw, 56px);
  align-items: center;
}

.liv-valife-copy > p {
  font-size: clamp(15px, 1.8vw, 16px);
  margin: 0 0 18px;
  line-height: 1.55;
  color: var(--liv-muted);
  max-width: 52ch;
}

.liv-valife-list {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
  font-family: var(--font-head);
  font-size: 16px;
  line-height: 1.9;
  color: var(--liv-dark);
}

.liv-valife-photo {
  display: flex;
  justify-content: center;
  align-items: center;
}

.liv-carriers {
  background: var(--liv-light);
  padding: var(--section-y) 0;
  text-align: center;
}

.liv-commitment-copy h2 {
  font-family: var(--font-head);
  font-size: clamp(24px, 3.2vw, 32px);
  font-weight: 700;
  line-height: 1.3;
  margin: 0 0 16px;
  color: var(--liv-white);
  max-width: 16ch;
}

.liv-valife-copy h2 {
  font-family: var(--font-head);
  font-size: clamp(26px, 3.5vw, 32px);
  font-weight: 700;
  color: var(--liv-accent);
  margin: 0 0 16px;
  max-width: 14ch;
}

.liv-valife-list li::before {
  content: "✓";
  color: var(--liv-dark);
  font-weight: 700;
  margin-right: 0.5em;
}

.liv-valife-visual {
  width: 100%;
  max-width: 540px;
  min-height: 240px;
  aspect-ratio: 16 / 7;
  border-radius: var(--radius);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.08);
  background:
    linear-gradient(135deg, var(--liv-light) 0%, #dce9f8 50%, var(--liv-light) 100%);
  border: 1px solid var(--liv-line);
  position: relative;
  overflow: hidden;
}

.liv-valife-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("./assets/logo-mark.svg") center / 96px no-repeat;
  opacity: 0.18;
}

.liv-carriers h2 {
  font-family: var(--font-head);
  font-size: clamp(24px, 3.2vw, 32px);
  font-weight: 700;
  color: var(--liv-text);
}

.liv-carriers h2 strong {
  color: var(--liv-accent);
}

.liv-funeral {
  position: relative;
  background: var(--liv-dark);
  color: var(--liv-white);
  padding: var(--section-y) 0;
  text-align: center;
  overflow: hidden;
}

.liv-funeral::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 50% at 50% 100%, rgba(185, 28, 28, 0.15) 0%, transparent 55%),
    radial-gradient(ellipse 60% 40% at 20% 30%, rgba(29, 78, 216, 0.12) 0%, transparent 50%);
  pointer-events: none;
}

.liv-funeral .liv-container {
  position: relative;
  z-index: 1;
}

.liv-funeral h2 {
  font-family: var(--font-head);
  font-size: clamp(26px, 3.5vw, 32px);
  font-weight: 700;
  color: var(--liv-white);
}

.liv-funeral h2 strong {
  color: var(--liv-white);
}

.liv-funeral p {
  color: rgba(255, 255, 255, 0.92);
}

.liv-footer {
  padding: var(--section-y) 0 24px;
  border-top: 1px solid var(--liv-line);
}

.liv-footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr;
  gap: clamp(24px, 4vw, 48px);
  align-items: start;
}

.liv-footer-brand .liv-logo {
  margin-bottom: 12px;
}

.liv-footer h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 400;
  margin: 0 0 15px;
  max-width: none;
  color: var(--liv-text);
}

.liv-footer-nav {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.liv-footer-nav a {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--liv-text);
}

.liv-footer-nav a:hover {
  text-decoration: underline;
}

.liv-footer-phone {
  display: inline-block;
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--liv-text);
}

.liv-footer-email {
  margin-top: 12px;
  font-size: 14px;
  line-height: 1.45;
  word-break: break-word;
}

.liv-footer-copy {
  font-size: 14px;
  margin: 0;
  line-height: 1.3;
}

.liv-footer-copy a {
  text-decoration: underline;
}

.liv-carriers h2 {
  margin: 0 auto 8px;
  max-width: 20ch;
}

.liv-carriers-kicker {
  margin: 0 auto 28px;
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--liv-muted);
}

.liv-carriers-logos {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 18px 22px;
  list-style: none;
  padding: 0;
  margin: 0 auto 18px;
  max-width: 980px;
}

.liv-carriers-logos li {
  flex: 1 1 140px;
  max-width: 220px;
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px 18px;
  background: var(--liv-white);
  border: 1px solid var(--liv-line);
  border-radius: var(--radius);
  box-shadow: 0 4px 14px rgba(12, 60, 96, 0.06);
}

.liv-carriers-logos img {
  display: block;
  width: auto;
  max-width: 100%;
  max-height: 42px;
  object-fit: contain;
}

.liv-carriers-logos li:nth-child(2) img {
  max-height: 36px;
}

.liv-carriers-logos li:nth-child(4) img {
  max-height: 48px;
}

.liv-carriers-note {
  margin: 0 auto;
  max-width: 52ch;
  font-size: 12px;
  font-style: italic;
  line-height: 1.45;
  color: var(--liv-muted);
}

.liv-funeral::after {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(12, 60, 96, 0.82);
  pointer-events: none;
}

.liv-funeral h2 {
  margin: 0 auto 16px;
  max-width: 18ch;
}

.liv-funeral p {
  font-size: clamp(15px, 1.8vw, 16px);
  max-width: 62ch;
  margin: 0 auto 28px;
  line-height: 1.55;
}

@media (min-width: 769px) {
  .liv-nav-toggle {
    display: none;
  }

  .liv-header {
    position: sticky;
  }
}

@media (max-width: 1100px) {
  .liv-nav a:not(.liv-nav-cta) {
    padding: 12px 10px;
    font-size: 12px;
  }

  .liv-nav-cta {
    padding: 10px 14px !important;
    font-size: 12px;
  }
}

@media (max-width: 980px) {
  .liv-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
    padding-top: 40px;
  }

  .liv-intro h2 {
    max-width: none;
  }

  .liv-commitment-grid {
    grid-template-columns: 1fr;
  }

  .liv-commitment-photo {
    order: 2;
  }

  .liv-valife-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 768px) {
  .liv-nav-toggle {
    display: flex;
  }

  .liv-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    margin-left: 0;
    background: var(--liv-light);
    border-bottom: 1px solid var(--liv-line);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
    z-index: 40;
  }

  .liv-nav.is-open {
    display: flex;
  }

  .liv-nav a {
    padding: 14px 20px;
    border-bottom: 1px solid var(--liv-line);
    font-size: 14px;
  }

  .liv-benefits-grid {
    grid-template-columns: 1fr;
    padding-top: 32px;
  }

  .liv-stats {
    grid-template-columns: 1fr;
  }

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

  .liv-hero .liv-container {
    text-align: center;
  }

  .liv-hero-title,
  .liv-hero-sub {
    margin-inline: auto;
  }

  .liv-hero-title {
    max-width: none;
  }

  .liv-commitment-copy h2,
  .liv-commitment-copy > p {
    max-width: none;
  }

  .liv-valife-copy {
    text-align: center;
  }

  .liv-valife-copy > p,
  .liv-valife-copy h2 {
    max-width: none;
    margin-inline: auto;
  }

  .liv-valife-list {
    display: inline-block;
    text-align: left;
    margin-inline: auto;
  }

  .liv-valife-copy .liv-btn {
    display: flex;
    width: 100%;
    max-width: 320px;
    margin-inline: auto;
  }

  .liv-topbar-mobile-note {
    display: flex;
  }

  .liv-topbar-inner {
    grid-template-columns: 1fr auto;
    gap: 10px;
    padding: 10px 0;
  }

  .liv-topbar-badge {
    display: none;
  }

  .liv-topbar-email {
    display: none;
  }

  .liv-topbar-phone {
    justify-self: start;
  }

  .liv-topbar-phone .liv-topbar-text strong {
    font-size: 15px;
  }

  .liv-logo-word {
    display: none;
  }

  .liv-logo-mark {
    width: 48px;
    height: 48px;
  }

  .liv-carriers-logos li {
    flex: 1 1 calc(50% - 12px);
    max-width: none;
  }

  .liv-nav-cta {
    margin-left: 0;
    text-align: center;
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* ---------- UI polish ---------- */

.liv-hero-trust {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
  max-width: 34ch;
  font-family: var(--font-body);
  font-size: 13px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.78);
}

.liv-hero-trust li {
  display: inline;
  font: inherit;
  color: inherit;
}

.liv-hero-trust li:not(:last-child)::after {
  content: "\00b7";
  margin: 0 0.55em;
  color: rgba(255, 255, 255, 0.38);
  font-weight: 700;
}

.liv-benefit p {
  font-size: 14px;
  margin: 0;
  line-height: 1.55;
  color: var(--liv-muted);
  flex: 1;
}

.liv-benefit {
  border-radius: var(--radius);
  box-shadow: 0 4px 18px rgba(0, 85, 149, 0.06);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.liv-benefit:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 28px rgba(0, 85, 149, 0.12);
}

.liv-btn-accent {
  background: var(--liv-accent);
  color: var(--liv-white);
  border-color: var(--liv-accent);
}

.liv-btn-accent:hover {
  background: var(--liv-dark);
  border-color: var(--liv-dark);
  color: var(--liv-white);
}

/* ---------- FAQ ---------- */
.liv-faq {
  padding: var(--section-y) 0;
  background: var(--liv-white);
}

.liv-faq h2 {
  font-family: var(--font-head);
  font-size: clamp(26px, 3.5vw, 32px);
  font-weight: 700;
  text-align: center;
  color: var(--liv-dark);
  margin: 0 0 28px;
}

.liv-faq-list {
  max-width: 760px;
  margin: 0 auto;
}

.liv-faq-item {
  background: var(--liv-light);
  border: 1px solid var(--liv-line);
  border-radius: var(--radius);
  margin-bottom: 10px;
}

.liv-faq-item summary {
  position: relative;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--liv-text);
  padding: 16px 44px 16px 18px;
}

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

.liv-faq-item summary::after {
  content: "+";
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  font-weight: 400;
  color: var(--liv-accent);
  line-height: 1;
}

.liv-faq-item[open] summary::after {
  content: "\2212";
}

.liv-faq-item summary:hover,
.liv-faq-item summary:focus-visible {
  color: var(--liv-accent);
}

.liv-faq-item p {
  margin: 0;
  padding: 0 18px 18px;
  color: var(--liv-muted);
  line-height: 1.65;
}

.liv-final-cta {
  padding: var(--section-y) 0;
  background: var(--liv-light);
  text-align: center;
  border-top: 1px solid var(--liv-line);
}

.liv-final-cta h2 {
  font-family: var(--font-head);
  font-size: clamp(24px, 3.2vw, 32px);
  font-weight: 700;
  margin: 0 auto 12px;
  max-width: 20ch;
  color: var(--liv-text);
}

.liv-final-cta > .liv-container > p {
  font-size: clamp(15px, 1.8vw, 16px);
  line-height: 1.55;
  color: var(--liv-muted);
  max-width: 52ch;
  margin: 0 auto 24px;
}

.liv-final-note {
  margin: 16px auto 0;
  font-size: 13px;
  color: var(--liv-muted);
  max-width: 48ch;
}

.liv-sticky-cta {
  display: none;
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 50;
  padding: 12px 16px calc(12px + env(safe-area-inset-bottom, 0px));
  background: rgba(241, 246, 255, 0.96);
  border-top: 1px solid var(--liv-line);
  backdrop-filter: blur(10px);
  box-shadow: 0 -8px 24px rgba(0, 0, 0, 0.08);
  transition: transform 0.25s ease;
}

.liv-sticky-cta.hidden {
  transform: translateY(110%);
}

.liv-sticky-cta .liv-btn.full {
  width: 100%;
  max-width: 480px;
  margin: 0 auto;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

.reveal.in {
  opacity: 1;
  transform: none;
}

.reveal[data-delay="1"] { transition-delay: 0.08s; }
.reveal[data-delay="2"] { transition-delay: 0.16s; }
.reveal[data-delay="3"] { transition-delay: 0.24s; }

@media (max-width: 768px) {
  .liv-sticky-cta {
    display: block;
  }

  body.liv-site {
    padding-bottom: 76px;
  }

  .liv-hero-trust {
    max-width: 28ch;
    margin-inline: auto;
    text-align: center;
    font-size: 12px;
    margin-bottom: 18px;
  }
}

@media (min-width: 981px) {
  .liv-hero {
    min-height: 420px;
    display: flex;
    align-items: center;
  }
}

/* ---------- Legal pages (privacy, terms) ---------- */
.liv-legal-page {
  padding: var(--section-y) 0;
}

.liv-legal-page .liv-container.narrow {
  max-width: 760px;
}

.liv-legal-card {
  background: var(--liv-white);
  border: 1px solid var(--liv-line);
  border-radius: var(--radius);
  padding: clamp(24px, 5vw, 40px);
  box-shadow: 0 4px 18px rgba(0, 85, 149, 0.06);
}

.liv-legal-eyebrow {
  margin: 0 0 8px;
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--liv-accent);
}

.liv-legal-page h1 {
  font-family: var(--font-head);
  font-size: clamp(28px, 4vw, 36px);
  font-weight: 700;
  margin: 0 0 8px;
  color: var(--liv-text);
}

.liv-legal-meta {
  margin: 0 0 28px;
  font-size: 14px;
  color: var(--liv-muted);
}

.liv-legal-page h2 {
  font-family: var(--font-head);
  font-size: clamp(20px, 2.5vw, 24px);
  font-weight: 700;
  margin: 28px 0 12px;
  color: var(--liv-text);
}

.liv-legal-page p {
  margin: 0 0 16px;
  line-height: 1.65;
  color: var(--liv-muted);
}

.liv-legal-page a {
  color: var(--liv-accent);
  text-decoration: underline;
}

.liv-legal-header {
  background: var(--liv-white);
  border-bottom: 1px solid var(--liv-line);
  padding: 16px 0;
}

.liv-legal-header .liv-logo {
  display: inline-flex;
}