/* =========================================================
   Cover My Finals / feplans.com — PHP rebuild stylesheet
   ========================================================= */

:root {
    --navy: #0e2a47;
    --navy-dark: #081a2e;
    --gold: #F45900;
    --gold-dark: #c98d1f;
    --bg: #f6f8fb;
    --white: #ffffff;
    --text: #29323d;
    --text-muted: #5c6b7a;
    --border: #e3e8ef;
    --success-bg: #e7f7ee;
    --success-text: #1f7a4d;
    --error-bg: #fdecec;
    --error-text: #b3261e;
    --radius: 10px;
    --shadow: 0 15px 40px rgba(14, 42, 71, 0.12);
    --font-display: 'Merriweather', Georgia, serif;
    --font-body: 'Nunito Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: var(--font-body);
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
}

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

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

.container {
    width: 100%;
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
}

.skip-link {
    position: absolute;
    left: -999px;
    top: 0;
    background: var(--navy);
    color: #fff;
    padding: 10px 16px;
    z-index: 999;
}

.skip-link:focus {
    left: 12px;
    top: 12px;
}

h1,
h2,
h3,
h4 {
    font-family: var(--font-display);
    color: var(--navy);
    line-height: 1.25;
    margin: 0 0 0.6em;
}

/* ---------------- Buttons ---------------- */
.btn {
    display: inline-block;
    font-family: var(--font-body);
    font-weight: 800;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    font-size: 0.85rem;
    padding: 15px 32px;
    border-radius: 6px;
    border: 2px solid transparent;
    cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}

.btn:hover {
    transform: translateY(-2px);
}

.btn-primary {
    background: var(--gold);
    color: var(--navy-dark);
    box-shadow: 0 10px 24px rgba(224, 166, 56, 0.35);
}

.btn-primary:hover {
    background: var(--gold-dark);
}

.btn-outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.7);
}

.btn-outline-light:hover {
    background: rgba(255, 255, 255, 0.12);
}

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

/* ---------------- Header ---------------- */
.site-header {
    background: var(--navy);
}

.topbar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    padding: 16px 24px;
}

/* ---------------- Logo ---------------- */
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-img {
    height: 50px;
    width: auto;
    display: block;
}

/* If you want to keep the text alongside the logo */
.logo-text-wrapper {
    display: flex;
    flex-direction: column;
    color: var(--white);
    line-height: 1.2;
}

.logo-text-wrapper strong {
    font-family: var(--font-display);
    font-size: 1.15rem;
}

.logo-text-wrapper small {
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.72rem;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

/* ---------------- Topbar ---------------- */
.topbar {
    background: #FFFFFF;
    padding: 6px 0;
   
}

.topbar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
}

.topbar-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    color: black !important;
    font-size: 0.95rem;
}

.topbar-phone a {
    color: var(--gold);
    text-decoration: none;
    font-weight: 700;
    font-size: 1.1rem;
    transition: color 0.3s ease;
}

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

.topbar-phone {
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.95rem;
}

.topbar-phone a {
    color: var(--gold);
    font-weight: 800;
    margin-left: 6px;
    font-size: 1.05rem;
}

.topbar-phone a:hover {
    text-decoration: underline;
}

/* ---------------- Hero ---------------- */
.hero {
    background-image: url('../images/COR_Program2020-e1607472442709-1428x714-1.webp');
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
    position: relative;
    padding: 64px 0 90px;
}

/* Overlay gradients on top of the background image - REDUCED OPACITY */
.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.541);
    z-index: 1;
}

/* Ensure content appears above the overlay */
.hero-inner {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
    align-items: start;
}

.eyebrow {
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-weight: 800;
    font-size: 0.85rem;
    margin-bottom: 14px;
}

.hero h1 {
    color: var(--white);
    font-size: clamp(2.1rem, 4vw, 3rem);
    margin-bottom: 20px;
}

.hero h1 span {
    color: var(--gold);
}

.hero-lede {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.1rem;
    max-width: 46ch;
    margin-bottom: 28px;
}

/* ---------------- Quote card / form ---------------- */
.quote-card {
    background: rgba(64, 81, 134, 0.4);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 32px;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(255, 255, 255, 0.1);
}
.quote-card label{
    color: white !important;
}
.quote-card a{
    color: #b3261e !important;
}

.quote-title {
    text-align: center;
    font-size: 1.4rem;
    margin-bottom: 22px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 14px;
}

.form-field label {
    display: block;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--text-muted);
    margin-bottom: 6px;
}

.form-field input,
.form-field select {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid var(--border);
    border-radius: 6px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    background: #fbfcfe;
}

.form-field input:focus,
.form-field select:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(224, 166, 56, 0.25);
}

.form-field-checkbox {
    margin: 18px 0;
}

.checkbox-label {
    display: flex;
    flex-direction: row;
    /* Changed from row-reverse to row - checkbox on LEFT */
    gap: 10px;
    align-items: flex-start;
    cursor: pointer;
    max-height: 100px;
    overflow-y: auto;
}

.checkbox-label input[type="checkbox"] {
    margin-top: 4px;
    flex-shrink: 0;
    min-width: 16px;
    width: 16px;
    height: 16px;
    cursor: pointer;
    accent-color: #0073aa;
    /* Nice blue color */
}

.checkbox-label input {
    margin-top: 4px;
    flex-shrink: 0;
}


.checkbox-label a {
    color: var(--navy);
    text-decoration: underline;
}

.form-alert {
    border-radius: 6px;
    padding: 14px 16px;
    margin-bottom: 18px;
    font-size: 0.9rem;
}

.form-alert-success {
    background: var(--success-bg);
    color: var(--success-text);
}

.form-alert-error {
    background: var(--error-bg);
    color: var(--error-text);
}

.form-alert-error ul {
    margin: 8px 0 0;
    padding-left: 18px;
}


/* ---------- Trust Badges ---------- */
.badges {
    background: var(--bg-alt);
    padding: 40px 0;
    border-bottom: 1px solid var(--border);
}

.badges-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    text-align: center;
}

.badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
}

/* Icon styling — same size, circular */
.badge-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: #eef2ff;
    /* soft indigo background */
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    color: #F45900;
    /* indigo icon */
    flex-shrink: 0;
}

.badge-icon i {
    font-size: 64px;
}

.badge h3 {
    font-size: 1rem;
    letter-spacing: 0.02em;
    color: var(--navy-800);
    margin: 0;
}


/* ---------------- Generic sections ---------------- */
.section {
    padding: 72px 0;
}

.section-title {
    text-align: center;
    font-size: 1.9rem;
    margin-bottom: 18px;
}

.section-title-sm {
    text-align: center;
    font-size: 1.3rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--navy);
    margin-bottom: 40px;
}

.section-lede {
    max-width: 780px;
    margin: 0 auto 18px;
    text-align: center;
    color: var(--text-muted);
}

.intro-section {
    background: #334786;
    text-align: center;

}

.intro-inner {
    max-width: 760px;
    margin: 0 auto;
    color: white !important;
}

.intro-copy p {
    color: white !important;
    font-size: 1.05rem;
    margin-bottom: 26px;
}
.intro-copy h2 {
    color: white !important;
    
}

.why-section {
    text-align: center;
}

.why-section .btn {
    margin-top: 10px;
}
/* ---------------- Why Section ---------------- */
.why-section {
    padding: 80px 0;
    background: var(--white);
}

.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: stretch;
}

.why-image {
    display: flex;
    align-items: stretch;
    height: 100%;
    min-height: 400px; /* Added minimum height */
    overflow: hidden; /* Ensures image stays within bounds */
    border-radius: 12px;
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
}

.why-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block; /* Removes extra spacing */
}

.why-content {
    display: flex;
    flex-direction: column;
    justify-content: center;
    height: 100%;
    padding: 20px 0;
    text-align: left;
}

.why-content .section-title {
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    color: var(--dark-blue);
    margin-bottom: 15px;
    text-align: left;
}

.why-content .section-lede {
    font-size: 1.05rem;
    line-height: 1.7;
    color: var(--text-color);
    margin-bottom: 15px;
    text-align: left;
}

.why-content .section-lede:last-of-type {
    margin-bottom: 25px;
}

.why-content .btn {
    align-self: flex-start;
}

/* ---------------- Responsive ---------------- */
@media (max-width: 992px) {
    .why-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .why-content {
        order: 1;
        text-align: left;
        padding: 0;
    }

    .why-content .section-title {
        text-align: left;
    }

    .why-content .section-lede {
        text-align: left;
    }

    .why-image {
        order: 0;
        height: 350px; /* Fixed height on tablet */
        min-height: 350px;
        width: 100%;
    }

    .why-image img {
        height: 100%;
        width: 100%;
        object-fit: cover;
    }

    .why-content .btn {
        align-self: flex-start;
    }
}

@media (max-width: 768px) {
    .why-section {
        padding: 50px 0;
    }

    .why-grid {
        gap: 30px;
    }

    .why-image {
        height: 250px;
        min-height: 250px;
        width: 100%;
    }

    .why-image img {
        height: 100%;
        width: 100%;
        object-fit: cover;
    }

    .why-content .section-title {
        font-size: 1.8rem;
    }

    .why-content .section-lede {
        font-size: 1rem;
    }
}

@media (max-width: 768px) {
    .why-section {
        padding: 50px 0;
    }

    .why-grid {
        gap: 30px;
    }

    .why-image {
        max-height: 300px;
    }

    .why-image img {
        max-height: 300px;
    }

    .why-content .section-title {
        font-size: 1.8rem;
    }

    .why-content .section-lede {
        font-size: 1rem;
    }
}
/* ---------------- Responsive ---------------- */
@media (max-width: 992px) {
    .why-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .why-image {
        max-height: 400px;
    }

    .why-image img {
        height: 100%;
        max-height: 400px;
        object-fit: cover;
    }

    .why-content {
        padding: 0;
        text-align: center;
    }

    .why-content .btn {
        align-self: center;
    }
}

@media (max-width: 768px) {
    .why-section {
        padding: 50px 0;
    }

    .why-grid {
        gap: 30px;
    }

    .why-image {
        max-height: 300px;
    }

    .why-image img {
        max-height: 300px;
    }

    .why-content .section-lede {
        font-size: 1rem;
    }
}

/* ---------------- Testimonials ---------------- */
.testimonial-section {
    background: #334786;
}
.testimonial-section h2{
    color: white;
} 

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.testimonial-card {
    background: var(--bg);
    border-left: 4px solid var(--gold);
    border-radius: var(--radius);
    padding: 26px;
    margin: 0;
}

.testimonial-card p {
    font-style: italic;
    color: var(--text);
    margin: 0 0 16px;
}

.testimonial-card footer {
    font-weight: 800;
    color: var(--navy);
    font-size: 0.9rem;
}

/* ---------------- Benefits ---------------- */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.benefit-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 30px 26px;
    text-align: center;
    box-shadow: 0 8px 24px rgba(14, 42, 71, 0.06);
}

.benefit-icon {
    font-size: 2rem;
    margin-bottom: 14px;
}

.benefit-card h3 {
    font-size: 1.1rem;
}

.benefit-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    margin: 0;
}

.benefits-cta {
    text-align: center;
    margin-top: 40px;
} 
.benefit-card i{
    color:#F45900 ;
    font-size: 60px;
}

/* ---------------- CTA band ---------------- */
.cta-section {
    background-image: url('../images/FE1.webp');
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
    text-align: center;
    padding: 80px 0;
    position: relative;
}

/* Overlay for better text readability */
.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(8, 26, 46, 0.75);
    z-index: 1;
}

/* Ensure content appears above the overlay */
.cta-inner {
    max-width: 640px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
}

.cta-section h2 {
    color: var(--white);
    font-size: clamp(2rem, 3vw, 2.8rem);
    margin-bottom: 20px;
}

.cta-section p {
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 28px;
    font-size: 1.1rem;
    line-height: 1.6;
}

.cta-section .btn-outline-light {
    display: inline-block;
    background: transparent;
    color: var(--white);
    border: 2px solid var(--white);
    padding: 14px 40px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: all 0.3s ease;
}

.cta-section .btn-outline-light:hover {
    background: var(--white);
    color: var(--dark-blue);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.2);
}
/* ---------------- Legal pages ---------------- */
.legal-section {
    background: var(--white);
}

.legal-container {
    max-width: 860px;
}

.legal-container h1 {
    font-size: 2rem;
    margin-bottom: 26px;
}

.legal-container h2 {
    font-size: 1.15rem;
    margin-top: 34px;
}

.legal-container p {
    color: var(--text);
    margin-bottom: 16px;
}

.partners-list {
    columns: 2;
    column-gap: 40px;
    list-style: disc;
    padding-left: 22px;
    color: var(--text);
}

.partners-list li {
    break-inside: avoid;
    margin-bottom: 10px;
}

/* ---------------- Footer ---------------- */
.site-footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.75);
}

.footer-inner {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    padding: 26px 24px;
    font-size: 0.85rem;
}

.footer-links {
    list-style: none;
    display: flex;
    gap: 20px;
    margin: 0;
    padding: 0;
    flex-wrap: wrap;
}

.footer-links a:hover {
    color: var(--gold);
}

.footer-disclaimer {
    background: var(--navy-dark);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-disclaimer p {
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.5);
    padding: 18px 0 28px;
    margin: 0;
    line-height: 1.6;
}

/* ---------------- Responsive ---------------- */
@media (max-width: 900px) {
    .hero-inner {
        grid-template-columns: 1fr;
    }

    .testimonial-grid,
    .benefits-grid {
        grid-template-columns: 1fr;
    }

    .partners-list {
        columns: 1;
    }
}

@media (max-width: 560px) {
    .form-row {
        grid-template-columns: 1fr;
    }

    .topbar-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .section {
        padding: 52px 0;
    }

    .quote-card {
        padding: 24px 20px;
    }
}

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

    .btn:hover {
        transform: none;
    }
}