/* ============================================================
   PRIME HARBOR INSURANCE - FINAL EXPENSE PAGE STYLES
   Page: /final-expense-insurance/
   Served via Cloudflare Worker: prime-harbor-assets
   Depends on: phi-product-page-foundation v1.4 (loaded site-wide via WPCode)
   ============================================================ */

.fe-hero { position: relative; background: linear-gradient(180deg, var(--phi-cream) 0%, var(--phi-cream-warm) 100%); padding-top: 80px; padding-bottom: 96px; overflow: hidden; }
.fe-hero__top-accent { position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--phi-navy) 0%, var(--phi-gold) 100%); }
.fe-hero__grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; align-items: center; }
.fe-hero__content { max-width: 640px; }
.fe-hero__highlight { font-family: var(--phi-font-serif); color: var(--phi-navy); font-weight: 700; position: relative; white-space: nowrap; }
.fe-hero__highlight::after { content: ''; position: absolute; left: 0; right: 0; bottom: 4px; height: 8px; background-color: var(--phi-gold); opacity: 0.25; z-index: -1; border-radius: 2px; }
.fe-hero__highlight--accent { color: var(--phi-navy); }
.fe-hero__highlight--accent::after { background-color: var(--phi-navy); opacity: 0.22; }
.fe-hero__cta-stack { margin-top: 32px; display: flex; flex-direction: column; align-items: flex-start; gap: 16px; }
.fe-hero__cta-arrow { transition: transform var(--phi-transition-base); }
.fe-hero .phi-btn--primary:hover .fe-hero__cta-arrow { transform: translateX(4px); }
.fe-hero__phone-cta { display: inline-flex; align-items: center; gap: 10px; color: var(--phi-navy); text-decoration: none; font-size: 16px; padding: 8px 4px; transition: color var(--phi-transition-fast); }
.fe-hero__phone-cta:hover { color: var(--phi-navy-deep); text-decoration: underline; }
.fe-hero__phone-cta strong { font-weight: 700; }
.fe-hero__trust-row { margin-top: 32px; display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; font-size: 14px; color: var(--phi-gray); }
.fe-hero__trust-item { display: inline-flex; align-items: center; gap: 6px; font-weight: 500; white-space: nowrap; }
.fe-hero__trust-item svg { flex-shrink: 0; color: var(--phi-success); }
.fe-hero__trust-divider { width: 4px; height: 4px; background-color: var(--phi-gray-light); border-radius: 50%; flex-shrink: 0; }
.fe-hero__visual { position: relative; }
.fe-hero__image-wrap { position: relative; width: 100%; }
.fe-hero__image { width: 100%; height: auto; display: block; border-radius: var(--phi-radius-lg); box-shadow: var(--phi-shadow-lg); object-fit: cover; }
.fe-hero__credibility-card { position: absolute; bottom: -20px; left: -20px; background: var(--phi-white); padding: 18px 22px; border-radius: var(--phi-radius-md); box-shadow: var(--phi-shadow-xl); min-width: 220px; border: 1px solid var(--phi-border); }
.fe-hero__cred-stars { display: flex; gap: 2px; margin-bottom: 6px; }
.fe-hero__cred-rating { font-family: var(--phi-font-serif); font-size: 22px; font-weight: 700; color: var(--phi-charcoal); margin: 0 0 2px 0; line-height: 1; }
.fe-hero__cred-caption { font-size: 13px; color: var(--phi-gray); margin: 0; line-height: 1.4; }

.fe-reality { background-color: var(--phi-white); padding-top: 96px; padding-bottom: 96px; }
.fe-reality__header { max-width: 760px; margin-bottom: 56px; }
.fe-reality__framing { max-width: 760px; margin-top: 56px; }
.fe-reality__bridge { margin-top: 24px; font-weight: 500; color: var(--phi-charcoal); }
.fe-gap-viz { background: linear-gradient(180deg, var(--phi-cream) 0%, var(--phi-cream-warm) 100%); border-radius: var(--phi-radius-lg); padding: 40px 40px 32px 40px; box-shadow: var(--phi-shadow-md); border: 1px solid var(--phi-border); }
.fe-gap-viz__toggle { display: inline-flex; background-color: var(--phi-white); border-radius: var(--phi-radius-full); padding: 5px; margin-bottom: 40px; box-shadow: var(--phi-shadow-sm); border: 1px solid var(--phi-border); gap: 4px; }
.phi-page .fe-gap-viz .fe-gap-viz__toggle-btn { font-family: var(--phi-font-sans); font-size: 15px; font-weight: 600; color: var(--phi-gray); background-color: transparent; background-image: none; border: none; padding: 12px 24px; border-radius: var(--phi-radius-full); cursor: pointer; transition: all var(--phi-transition-base); white-space: nowrap; }
.phi-page .fe-gap-viz .fe-gap-viz__toggle-btn:hover { color: var(--phi-navy); background-color: transparent; }
.phi-page .fe-gap-viz .fe-gap-viz__toggle-btn--active { background-color: var(--phi-navy); color: var(--phi-white); box-shadow: 0 2px 8px rgba(27, 58, 107, 0.25); }
.phi-page .fe-gap-viz .fe-gap-viz__toggle-btn--active:hover { background-color: var(--phi-navy); color: var(--phi-white); }
.fe-gap-viz__chart { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; align-items: end; height: 360px; padding: 0 8px; margin-bottom: 24px; }
.fe-gap-viz__bar-group { display: flex; flex-direction: column; height: 100%; align-items: stretch; }
.fe-gap-viz__bar-track { flex: 1; display: flex; align-items: flex-end; position: relative; }
.fe-gap-viz__bar-label { margin-top: 16px; text-align: center; min-height: 44px; }
.fe-gap-viz__bar-label-text { font-family: var(--phi-font-sans); font-size: 14px; font-weight: 600; color: var(--phi-charcoal); line-height: 1.3; display: block; }
.fe-gap-viz__bar { width: 100%; border-radius: 8px 8px 0 0; position: relative; display: flex; align-items: flex-start; justify-content: center; padding-top: 16px; transition: height 800ms cubic-bezier(0.34, 1.16, 0.64, 1); min-height: 6px; }
.fe-gap-viz__bar--cost { background: linear-gradient(180deg, var(--phi-navy-light) 0%, var(--phi-navy) 100%); box-shadow: 0 -4px 12px rgba(27, 58, 107, 0.15); }
.fe-gap-viz__bar--ssa { background: linear-gradient(180deg, var(--phi-gray-light) 0%, var(--phi-gray) 100%); box-shadow: 0 -2px 6px rgba(102, 102, 102, 0.15); }
.fe-gap-viz__bar--gap { background: linear-gradient(180deg, #E89A3B 0%, var(--phi-gold) 100%); box-shadow: 0 -4px 12px rgba(212, 175, 55, 0.25); }
.fe-gap-viz__bar-value { font-family: var(--phi-font-serif); font-size: 24px; font-weight: 700; color: var(--phi-white); letter-spacing: -0.02em; transition: opacity 400ms ease 200ms; }
.fe-gap-viz__bar--gap .fe-gap-viz__bar-value { color: var(--phi-charcoal); }
.fe-gap-viz__bar-value--small { font-size: 16px; position: absolute; top: -32px; background: var(--phi-white); color: var(--phi-charcoal); padding: 4px 10px; border-radius: var(--phi-radius-sm); box-shadow: var(--phi-shadow-sm); border: 1px solid var(--phi-border); }
.fe-gap-viz__caption { font-family: var(--phi-font-sans); font-size: 13px; color: var(--phi-gray); line-height: 1.5; margin: 0; text-align: center; padding-top: 16px; border-top: 1px solid var(--phi-border); }

.fe-education { background: linear-gradient(180deg, var(--phi-cream-warm) 0%, var(--phi-cream) 100%); padding-top: 96px; padding-bottom: 96px; }
.fe-education__header { max-width: 760px; margin-bottom: 56px; }
.fe-education__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.fe-edu-card { background: var(--phi-white); border-radius: var(--phi-radius-lg); padding: 36px 32px; border: 1px solid var(--phi-border); box-shadow: var(--phi-shadow-sm); transition: transform var(--phi-transition-base), box-shadow var(--phi-transition-base); }
.fe-edu-card:hover { transform: translateY(-4px); box-shadow: var(--phi-shadow-lg); }
.fe-edu-card__icon { width: 56px; height: 56px; border-radius: var(--phi-radius-md); background: linear-gradient(135deg, var(--phi-navy) 0%, var(--phi-navy-light) 100%); color: var(--phi-white); display: flex; align-items: center; justify-content: center; margin-bottom: 24px; }
.fe-edu-card .phi-microcopy { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--phi-border); font-style: italic; }

.fe-myths { background-color: var(--phi-white); padding-top: 96px; padding-bottom: 96px; }
.fe-myths__header { max-width: 820px; margin-bottom: 56px; }
.fe-myths__list { max-width: 920px; display: flex; flex-direction: column; gap: 16px; }
.fe-myth { background: var(--phi-cream); border-radius: var(--phi-radius-lg); border: 1px solid var(--phi-border); overflow: hidden; transition: box-shadow var(--phi-transition-base); }
.fe-myth[open] { box-shadow: var(--phi-shadow-md); background: var(--phi-white); border-color: var(--phi-navy); }
.fe-myth__summary { list-style: none; cursor: pointer; padding: 24px 28px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 20px; }
.fe-myth__summary::-webkit-details-marker { display: none; }
.fe-myth__number { font-family: var(--phi-font-serif); font-size: 32px; font-weight: 700; color: var(--phi-gold); line-height: 1; letter-spacing: -0.02em; }
.fe-myth__title { font-family: var(--phi-font-sans); font-size: 18px; font-weight: 600; color: var(--phi-charcoal); line-height: 1.4; }
.fe-myth__icon { color: var(--phi-navy); transition: transform var(--phi-transition-base); display: flex; align-items: center; }
.fe-myth[open] .fe-myth__icon { transform: rotate(180deg); }
.fe-myth__content { padding: 0 28px 28px 28px; margin-left: 52px; }
.fe-myth__truth-label { font-family: var(--phi-font-sans); font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--phi-success); margin: 0 0 12px 0; }
.fe-myth__content .phi-microcopy { margin-top: 12px; font-style: italic; }

.fe-carriers { background: linear-gradient(180deg, var(--phi-cream) 0%, var(--phi-cream-warm) 100%); padding-top: 96px; padding-bottom: 96px; }
.fe-carriers__header { max-width: 760px; margin-bottom: 56px; }
.fe-carriers__grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.fe-carrier-tile { background: linear-gradient(135deg, var(--phi-navy) 0%, var(--phi-navy-light) 100%); border-radius: var(--phi-radius-md); border: 1px solid var(--phi-navy-deep); padding: 24px 20px; display: flex; align-items: center; justify-content: center; height: 110px; box-shadow: var(--phi-shadow-sm); transition: transform var(--phi-transition-base), box-shadow var(--phi-transition-base); position: relative; overflow: hidden; }
.fe-carrier-tile::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(255,255,255,0.04) 0%, rgba(255,255,255,0) 50%); pointer-events: none; }
.fe-carrier-tile:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(27, 58, 107, 0.25); border-color: var(--phi-gold); }
.fe-carrier-tile__logo { max-width: 100%; max-height: 100%; width: auto; height: auto; object-fit: contain; filter: brightness(0) invert(1); opacity: 0.95; transition: opacity var(--phi-transition-base); }
.fe-carrier-tile:hover .fe-carrier-tile__logo { opacity: 1; }
.fe-carriers__footnote { font-family: var(--phi-font-sans); font-size: 13px; color: var(--phi-gray); line-height: 1.6; margin-top: 32px; max-width: 760px; font-style: italic; }

.fe-process { background-color: var(--phi-white); padding-top: 96px; padding-bottom: 96px; }
.fe-process__header { max-width: 760px; margin-bottom: 56px; }
.fe-process__steps { display: flex; flex-direction: column; gap: 32px; max-width: 920px; margin-bottom: 48px; }
.fe-process-step { display: grid; grid-template-columns: 80px 1fr; gap: 32px; align-items: start; padding: 32px; background: var(--phi-cream); border-radius: var(--phi-radius-lg); border: 1px solid var(--phi-border); }
.fe-process-step__number { font-family: var(--phi-font-serif); font-size: 56px; font-weight: 700; line-height: 1; color: var(--phi-navy); letter-spacing: -0.03em; }
.fe-process-step__content .phi-h3 { margin-bottom: 12px; }
.fe-process-step__content .phi-body { margin-bottom: 0; }
.fe-process__cta { margin-top: 16px; }

.fe-trust { background: linear-gradient(180deg, var(--phi-cream-warm) 0%, var(--phi-cream) 100%); padding-top: 96px; padding-bottom: 96px; }
.fe-trust__header { max-width: 760px; margin-bottom: 56px; }
.fe-trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-bottom: 56px; }
.fe-trust-card { background: var(--phi-white); border-radius: var(--phi-radius-lg); padding: 32px 28px; border: 1px solid var(--phi-border); box-shadow: var(--phi-shadow-sm); text-align: left; }
.fe-trust-card__icon { width: 48px; height: 48px; border-radius: var(--phi-radius-md); background: linear-gradient(135deg, var(--phi-navy) 0%, var(--phi-navy-light) 100%); color: var(--phi-white); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.fe-trust-card__metric { font-family: var(--phi-font-serif); font-size: 28px; font-weight: 700; color: var(--phi-charcoal); margin: 0 0 6px 0; line-height: 1.1; letter-spacing: -0.02em; }
.fe-trust-card__label { font-family: var(--phi-font-sans); font-size: 15px; font-weight: 600; color: var(--phi-charcoal-soft); margin: 0 0 12px 0; line-height: 1.3; }
.fe-trust-card__verify { font-family: var(--phi-font-sans); font-size: 13px; color: var(--phi-gray); margin: 0; line-height: 1.4; }
.fe-trust-card__verify a { color: var(--phi-navy); text-decoration: underline; }
.fe-trust-card__seal-link { display: flex; align-items: center; height: 48px; margin-bottom: 20px; transition: transform var(--phi-transition-base), opacity var(--phi-transition-base); text-decoration: none; }
.fe-trust-card__seal-link:hover { transform: translateY(-2px); opacity: 0.92; }
.fe-trust-card__seal { display: block; height: 42px; width: auto; max-width: 100%; }
.fe-trust__statement { max-width: 820px; padding: 32px; background: var(--phi-white); border-left: 4px solid var(--phi-gold); border-radius: var(--phi-radius-md); box-shadow: var(--phi-shadow-sm); }

.fe-faq { background-color: var(--phi-white); padding-top: 96px; padding-bottom: 96px; }
.fe-faq__header { max-width: 820px; margin-bottom: 56px; }
.fe-faq__list { max-width: 920px; display: flex; flex-direction: column; gap: 12px; }
.fe-faq-item { background: var(--phi-cream); border-radius: var(--phi-radius-md); border: 1px solid var(--phi-border); overflow: hidden; transition: box-shadow var(--phi-transition-base); }
.fe-faq-item[open] { box-shadow: var(--phi-shadow-md); background: var(--phi-white); border-color: var(--phi-navy); }
.fe-faq-item__summary { list-style: none; cursor: pointer; padding: 22px 28px; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 20px; }
.fe-faq-item__summary::-webkit-details-marker { display: none; }
.fe-faq-item__question { font-family: var(--phi-font-sans); font-size: 17px; font-weight: 600; color: var(--phi-charcoal); line-height: 1.4; }
.fe-faq-item__icon { color: var(--phi-navy); transition: transform var(--phi-transition-base); display: flex; align-items: center; flex-shrink: 0; }
.fe-faq-item[open] .fe-faq-item__icon { transform: rotate(180deg); }
.fe-faq-item__answer { padding: 0 28px 24px 28px; }
.fe-faq-item__answer .phi-body { margin-bottom: 0; }

.fe-invitation { background: linear-gradient(180deg, var(--phi-cream-warm) 0%, var(--phi-beige) 100%); padding-top: 96px; padding-bottom: 96px; position: relative; }
.fe-invitation::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--phi-gold) 0%, var(--phi-navy) 100%); }
.fe-invitation__inner { max-width: 820px; margin: 0 auto; text-align: center; }
.fe-invitation__eyebrow { display: block; text-align: center; }
.fe-invitation__lede { font-family: var(--phi-font-sans); font-size: clamp(17px, 1.4vw, 19px); line-height: 1.65; color: var(--phi-charcoal-soft); max-width: 720px; margin: 0 auto 40px auto; }
.fe-invitation__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; margin-bottom: 48px; }
.fe-invitation__hours { font-family: var(--phi-font-sans); font-size: 15px; color: var(--phi-charcoal-soft); line-height: 1.7; margin: 0 0 32px 0; }
.fe-invitation__signature { font-family: var(--phi-font-serif); font-size: 18px; color: var(--phi-navy); margin: 0; font-style: italic; }

@media (max-width: 1024px) {
  .fe-hero { padding-top: 64px; padding-bottom: 80px; }
  .fe-hero__grid { grid-template-columns: 1fr 0.85fr; gap: 40px; }
  .fe-reality, .fe-education, .fe-myths, .fe-carriers, .fe-process, .fe-trust, .fe-faq, .fe-invitation { padding-top: 72px; padding-bottom: 72px; }
  .fe-gap-viz { padding: 32px 28px 28px 28px; }
  .fe-gap-viz__chart { height: 320px; gap: 20px; }
  .fe-gap-viz__bar-value { font-size: 20px; }
  .fe-education__grid { grid-template-columns: 1fr; gap: 24px; }
  .fe-edu-card { padding: 28px 24px; }
  .fe-carriers__grid { grid-template-columns: repeat(3, 1fr); }
  .fe-trust__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .fe-hero { padding-top: 48px; padding-bottom: 64px; }
  .fe-hero__grid { grid-template-columns: 1fr; gap: 32px; }
  .fe-hero__visual { order: -1; }
  .fe-hero__credibility-card { bottom: -16px; left: 50%; transform: translateX(-50%); min-width: 0; width: calc(100% - 48px); max-width: 320px; text-align: center; }
  .fe-hero__cred-stars { justify-content: center; }
  .fe-hero__content { max-width: 100%; }
  .fe-hero__cta-stack { margin-top: 24px; align-items: stretch; }
  .fe-hero .phi-btn--primary { width: 100%; }
  .fe-hero__phone-cta { justify-content: center; text-align: center; }
  .fe-hero__trust-row { margin-top: 24px; font-size: 13px; gap: 8px 10px; justify-content: center; }
  .fe-process-step { grid-template-columns: 1fr; gap: 16px; padding: 24px; }
  .fe-process-step__number { font-size: 48px; }
}

@media (max-width: 640px) {
  .fe-reality, .fe-education, .fe-myths, .fe-carriers, .fe-process, .fe-trust, .fe-faq, .fe-invitation { padding-top: 56px; padding-bottom: 56px; }
  .fe-reality__header, .fe-education__header, .fe-myths__header, .fe-carriers__header, .fe-process__header, .fe-trust__header, .fe-faq__header { margin-bottom: 40px; }
  .fe-reality__framing { margin-top: 40px; }
  .fe-gap-viz { padding: 24px 16px 20px 16px; }
  .fe-gap-viz__toggle { width: 100%; margin-bottom: 32px; padding: 4px; }
  .phi-page .fe-gap-viz__toggle-btn { flex: 1; padding: 10px 8px; font-size: 13px; line-height: 1.2; white-space: normal !important; text-align: center; min-height: 44px; display: flex; align-items: center; justify-content: center; }
  .fe-gap-viz__chart { height: 280px; gap: 12px; }
  .fe-gap-viz__bar-label-text { font-size: 12px; }
  .fe-gap-viz__bar-value { font-size: 16px; }
  .fe-gap-viz__bar-value--small { font-size: 13px; padding: 3px 8px; top: -28px; }
  .fe-gap-viz__caption { font-size: 12px; }
  .fe-myth__summary { grid-template-columns: auto 1fr auto; padding: 20px 20px; gap: 14px; }
  .fe-myth__number { font-size: 24px; }
  .fe-myth__title { font-size: 16px; }
  .fe-myth__content { padding: 0 20px 24px 20px; margin-left: 0; }
  .fe-carriers__grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .fe-carrier-tile { height: 90px; padding: 16px 14px; }
  .fe-trust__grid { grid-template-columns: 1fr; gap: 16px; }
  .fe-trust-card { padding: 24px 22px; }
  .fe-trust__statement { padding: 24px; }
  .fe-faq-item__summary { padding: 18px 20px; }
  .fe-faq-item__question { font-size: 15px; }
  .fe-faq-item__answer { padding: 0 20px 20px 20px; }
  .fe-invitation__actions { flex-direction: column; align-items: stretch; }
  .fe-invitation__actions .phi-btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .fe-gap-viz__bar, .fe-edu-card, .fe-carrier-tile, .fe-myth__icon, .fe-faq-item__icon { transition: none; }
}