/* --- Sticky Call Button (mobile) --- */
.sticky-call { position: fixed; bottom: 0; left: 0; right: 0; background: var(--accent); color: var(--secondary); padding: 14px 0; text-align: center; font-weight: 700; font-size: 1rem; z-index: 999; display: none; box-shadow: 0 -4px 20px rgba(0,0,0,0.15); text-decoration: none; gap: 8px; align-items: center; justify-content: center; }
.sticky-call:hover { background: var(--tertiary); color: var(--secondary); text-decoration: none; }
.sticky-call svg { width: 20px; height: 20px; stroke: var(--secondary); fill: none; stroke-width: 2.5; }

/* --- Trust Badges Section --- */
.trust-section { padding: 40px 0; border-bottom: 1px solid var(--border); }
.trust-badges { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-badge { display: flex; align-items: center; gap: 12px; font-weight: 600; font-size: 0.95rem; color: var(--secondary); }
.trust-badge svg { width: 28px; height: 28px; stroke: var(--accent); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }

/* --- Insurance Section --- */
.insurance-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.insurance-item { background: var(--alt); border-radius: var(--radius); padding: 28px 20px; text-align: center; transition: all var(--transition); }
.insurance-item:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.insurance-item svg { width: 40px; height: 40px; stroke: var(--primary); fill: none; stroke-width: 1.5; margin: 0 auto 12px; }
.insurance-item h4 { font-size: 0.95rem; margin-bottom: 4px; }
.insurance-item p { font-size: 0.8rem; color: var(--text-light); margin: 0; }

/* --- Referral Program --- */
.referral-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 2rem; }
.referral-step { text-align: center; background: var(--alt); border-radius: var(--radius); padding: 36px 24px; }
.referral-step .step-num { width: 56px; height: 56px; border-radius: 50%; background: var(--accent); color: var(--secondary); font-size: 1.5rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.referral-step h3 { margin-bottom: 8px; }
.referral-step p { color: var(--text-light); font-size: 0.9rem; }

/* --- Multi-step Forms --- */
.form-progress { display: flex; align-items: center; justify-content: center; gap: 0; margin-bottom: 36px; }
.form-progress-step { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; font-weight: 600; color: var(--text-light); }
.form-progress-step.active { color: var(--primary); }
.form-progress-step .step-circle { width: 32px; height: 32px; border-radius: 50%; background: var(--alt); display: flex; align-items: center; justify-content: center; font-size: 0.85rem; font-weight: 700; }
.form-progress-step.active .step-circle { background: var(--accent); color: var(--secondary); }
.form-progress-line { width: 60px; height: 2px; background: var(--border); margin: 0 8px; }
.form-progress-step.completed .step-circle { background: var(--primary); color: #fff; }
.form-progress-step.completed + .form-progress-line { background: var(--primary); }

.form-section { display: none; }
.form-section.active { display: block; }
.form-actions { display: flex; justify-content: space-between; margin-top: 24px; }
.file-upload { border: 2px dashed var(--border); border-radius: var(--radius); padding: 32px; text-align: center; cursor: pointer; transition: all var(--transition); background: var(--alt); }
.file-upload:hover { border-color: var(--accent); background: rgba(250,203,110,0.05); }
.file-upload input { display: none; }
.file-upload svg { width: 40px; height: 40px; stroke: var(--text-light); fill: none; stroke-width: 1.5; margin: 0 auto 8px; }
.file-upload p { color: var(--text-light); font-size: 0.9rem; margin: 0; }
.file-upload .file-name { color: var(--primary); font-weight: 600; margin-top: 8px; }

@media (max-width: 768px) {
    .insurance-grid { grid-template-columns: repeat(2, 1fr); }
    .referral-steps { grid-template-columns: 1fr; }
    .sticky-call { display: flex !important; }
    .trust-badges { gap: 20px; }
    .trust-badge { font-size: 0.82rem; }
}
@media (min-width: 769px) {
    .sticky-call { display: none !important; }
}