/* === FONTS & VARIABLES === */
:root {
  --mgm-navy: #12305B;
  --mgm-navy-deep: #0E2547;
  --mgm-orange: #F26F21;
  --mgm-orange-dark: #D95E12;
  --mgm-gold: #F5A623;
  --mgm-green: #1E8A5B;
  --mgm-text: #35485E;
  --mgm-muted: #6A7A8E;
  --mgm-border: #E2E8F0;
  --mgm-bg: #F5F7FA;
}
html { scroll-behavior: smooth; scroll-padding-top: 76px; }
body { margin: 0; background: var(--mgm-bg); font-family: 'Plus Jakarta Sans', 'Segoe UI', Arial, sans-serif; font-size: 16px; line-height: 1.6; color: var(--mgm-text); -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4, h5, h6 { font-family: 'Noto Serif', serif; }
p, li, dt, dd, td, th, label, input, select, button, a, span, legend { font-family: 'Plus Jakarta Sans', 'Segoe UI', Arial, sans-serif; }
h1 span, h2 span, h3 span, h4 span, h5 span, h6 span { font-family: inherit; }
a { color: #1B5FAE; text-decoration: none; }
a:hover { color: var(--mgm-orange); }

/* === HEADER STYLES === */
.mgm-header { background: #ffffff; border-bottom: 1px solid #E2E8F0; z-index: 1030; }
.mgm-header-inner { max-width: 1280px; margin: 0 auto; padding: 12px 20px; display: flex; align-items: center; gap: 22px; }
.mgm-header-logo img { height: 42px; width: auto; display: block; }
.mgm-nav { display: flex; align-items: center; gap: 20px; }
.mgm-nav-link { font-size: 14.5px; font-weight: 500; color: #35485E; text-decoration: none; }
.mgm-nav-link:hover { color: #F26F21; }
.mgm-header-actions { margin-left: auto; display: flex; align-items: center; gap: 14px; }
.mgm-header-phone { color: #12305B; font-weight: 700; font-size: 15px; white-space: nowrap; text-decoration: none; }
.mgm-header-cta { white-space: nowrap; }

/* === HERO / FORM STYLES === */
.mgm-hero { background: linear-gradient(180deg, #12305B 0%, #173A6C 100%); color: #ffffff; }
.mgm-hero-inner { max-width: 1280px; margin: 0 auto; padding: 30px 20px 52px; }
.mgm-breadcrumb { font-size: 13.5px; color: #9FB4D2; display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 20px; }
.mgm-breadcrumb a { white-space: nowrap; color: #C9D7EB; text-decoration: none; }
.mgm-breadcrumb a:hover { color: #ffffff; }
.mgm-breadcrumb-current { color: #DCE6F4; white-space: nowrap; }
.mgm-hero-title { font-size: clamp(30px, 3.6vw, 44px); font-weight: 700; margin: 0 0 14px; letter-spacing: -0.5px; line-height: 1.22; }
.mgm-hero-intro { font-size: 17px; line-height: 1.65; color: #C9D7EB; max-width: 520px; margin: 0 0 20px; }
.mgm-hero-badge { display: inline-flex; align-items: center; gap: 9px; margin: 0; background: rgba(242, 111, 33, 0.16); border: 1px solid rgba(242, 111, 33, 0.55); color: #FFC79A; font-size: 14.5px; font-weight: 700; padding: 9px 16px; border-radius: 999px; }
.mgm-hero-badge span { display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; border-radius: 50%; background: var(--mgm-orange); color: #ffffff; font-size: 12px; font-weight: 700; }

.mgm-quote-card { background: #ffffff; border-radius: 16px; padding: 26px 26px 22px; box-shadow: 0 18px 44px rgba(4, 18, 42, 0.35); color: var(--mgm-text); }
.mgm-quote-eyebrow { margin: 0; font-size: 12.5px; font-weight: 700; letter-spacing: 1.1px; text-transform: uppercase; color: var(--mgm-orange); }
.mgm-quote-headline { margin: 4px 0 6px; font-family: 'Noto Serif', serif; font-size: 24px; font-weight: 700; color: var(--mgm-navy); line-height: 1.3; }
.mgm-required-note { margin: 0 0 16px; font-size: 12.5px; color: var(--mgm-muted); }
.mgm-required-note span { color: var(--mgm-orange); font-weight: 700; }
.mgm-quote-form { display: block; }
.mgm-form-content { display: flex; flex-direction: column; gap: 12px; }
.mgm-step-legend { float: none; width: auto; padding: 0; margin: 0 0 2px; font-size: 18px; font-weight: 700; color: var(--mgm-navy); font-family: 'Noto Serif', serif; }
.mgm-label { display: block; font-size: 13px; font-weight: 600; color: var(--mgm-navy); }
.mgm-req { color: var(--mgm-orange); }
.mgm-input { width: 100%; box-sizing: border-box; height: 52px; border: 1.5px solid #CBD6E2; border-radius: 10px; padding: 0 14px; font-size: 16px; font-family: 'Plus Jakarta Sans', sans-serif; color: var(--mgm-navy); background: #ffffff; outline: none; margin-top: 5px; }
.mgm-input:focus { border-color: var(--mgm-orange); box-shadow: 0 0 0 3px rgba(242, 111, 33, 0.14); }
.mgm-input.is-invalid-field { border-color: #C43D3D; }
.mgm-select { appearance: none; -webkit-appearance: none; background-image: linear-gradient(45deg, transparent 50%, #6A7A8E 50%), linear-gradient(135deg, #6A7A8E 50%, transparent 50%); background-position: calc(100% - 20px) 24px, calc(100% - 14px) 24px; background-size: 6px 6px, 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
.mgm-wizard-nav { display: flex; gap: 10px; margin-top: 4px; }
.mgm-trust-note { margin: 14px 0 0; text-align: center; font-size: 18px; font-family: 'Outfit', sans-serif; color: #ffffff; display: block; }

/* === SECTION STYLES === */
.mgm-section { max-width: 1020px; margin: 0 auto; padding: 44px 20px 8px; }
.mgm-section-last { padding-bottom: 44px; }
.mgm-h2 { font-size: 28px; color: #12305B; font-weight: 800; margin: 0 0 10px; line-height: 1.3; }
.mgm-section-intro { font-size: 16px; line-height: 1.6; color: var(--mgm-muted); margin: 0 0 24px; max-width: 640px; }
.mgm-state-head { margin-bottom: 4px; }
.mgm-state-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.mgm-state-chip { display: flex; align-items: center; gap: 9px; min-height: 52px; padding: 12px 14px; background: #ffffff; border: 1px solid var(--mgm-border); border-radius: 10px; box-shadow: 0 2px 10px rgba(18, 48, 91, 0.05); color: var(--mgm-navy); font-size: 15px; font-weight: 600; line-height: 1.35; text-decoration: none; }
.mgm-state-chip:hover { border-color: var(--mgm-orange); color: var(--mgm-orange); box-shadow: 0 6px 18px rgba(18, 48, 91, 0.09); }
.mgm-pin { flex-shrink: 0; fill: var(--mgm-orange); }
.mgm-btn-primary { display: inline-flex; align-items: center; justify-content: center; background: #F26F21; color: #ffffff; font-weight: 700; font-size: 15px; padding: 12px 22px; border-radius: 10px; border: none; text-decoration: none; min-height: 48px; cursor: pointer; font-family: inherit; }
.mgm-btn-primary:hover { background: #D95E12; color: #ffffff; }
.mgm-btn-outline { display: inline-flex; align-items: center; justify-content: center; border: 1.5px solid #CBD6E2; color: #12305B; font-weight: 600; font-size: 14px; padding: 11px 18px; border-radius: 10px; text-decoration: none; min-height: 48px; background: #ffffff; cursor: pointer; font-family: inherit; }
.mgm-btn-outline:hover { border-color: #12305B; color: #12305B; }
.mgm-btn-ghost { display: inline-flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.1); border: 1.5px solid rgba(255,255,255,0.4); color: #ffffff; font-weight: 600; font-size: 15.5px; padding: 12px 26px; border-radius: 10px; text-decoration: none; min-height: 44px; }
.mgm-btn-ghost:hover { background: rgba(255,255,255,0.2); color: #ffffff; }
.mgm-btn-block { display: flex; width: 100%; }
.mgm-cta-banner { background: linear-gradient(135deg, #12305B 0%, #1B4478 100%); border-radius: 16px; padding: 40px 34px; color: #ffffff; text-align: center; }
.mgm-cta-title { margin: 0 0 8px; font-size: 26px; font-weight: 800; }
.mgm-cta-sub { margin: 0 0 22px; font-size: 16px; color: #C9D7EB; }
.mgm-cta-buttons { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.mgm-cta-trust { margin: 16px 0 0; font-size: 13px; color: #9FB4D2; }
.mgm-sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 1040; background: #ffffff; border-top: 1px solid #E2E8F0; box-shadow: 0 -6px 20px rgba(18, 48, 91, 0.12); padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); display: flex; gap: 10px; align-items: center; }

/* === RESPONSIVE / MEDIA QUERIES === */
@media (max-width: 1024px) {
  .mgm-state-grid { grid-template-columns: repeat(3, 1fr); }
  .mgm-hero-inner { padding: 26px 20px 44px; }
}
@media (max-width: 767.98px) {
  body { padding-bottom: 84px; }
  .mgm-hero-inner { padding: 22px 18px 34px; }
  .mgm-hero-title { font-size: 30px; }
  .mgm-quote-card { padding: 22px 20px 20px; }
  .mgm-state-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .mgm-state-chip { font-size: 14px; min-height: 56px; }
  .mgm-h2 { font-size: 24px; }
  .mgm-cta-banner { padding: 30px 20px; }
  .mgm-cta-buttons a { width: 100%; }
  .mgm-wizard-nav { flex-direction: row; }
  .mgm-wizard-nav .mgm-btn-outline { min-width: 110px; }
}

/* === FOOTER STYLES === */
.mgm-footer { background: #0E2547; color: #ffffff; margin-top: 44px; }
.mgm-footer-inner { max-width: 1020px; margin: 0 auto; padding: 44px 20px 26px; }
.mgm-footer-logo { display: inline-block; background: #ffffff; border-radius: 10px; padding: 8px 14px; margin-bottom: 16px; }
.mgm-footer-logo img { height: 38px; width: auto; display: block; }
.mgm-footer-social { display: flex; gap: 10px; }
.mgm-footer-social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,0.1); color: #ffffff; font-size: 14px; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; text-decoration: none; }
.mgm-footer-social a:hover { background: #F26F21; color: #ffffff; }
.mgm-footer-heading { margin: 0 0 12px; font-size: 15px; font-weight: 700; color: #ffffff; }
.mgm-footer-link { display: block; padding: 5px 0; font-size: 14px; color: #C9D7EB; text-decoration: none; }
.mgm-footer-link:hover { color: #ffffff; }
.mgm-footer-legal { border-top: 1px solid rgba(255,255,255,0.14); margin-top: 30px; padding-top: 18px; display: flex; flex-wrap: wrap; gap: 10px 20px; align-items: center; justify-content: space-between; font-size: 13.5px; color: #9FB4D2; }
.mgm-footer-legal-links { display: flex; flex-wrap: wrap; gap: 6px 16px; }
.mgm-footer-legal-links a { color: #C9D7EB; text-decoration: none; }
.mgm-footer-legal-links a:hover { color: #ffffff; }