/* ============================================================
   Capital Insurance Partners — Design System
   Premium redesign · navy ink / warm paper / brushed gold
   ============================================================ */

:root {
  /* Color */
  --ink: #00244d;
  --ink-2: #002b5c;
  --navy: #14324b;
  --paper: #f7f5f0;
  --white: #ffffff;
  --azure: #2f7fd4;
  --azure-deep: #1d5fa8;
  --azure-soft: #e8f1fb;
  --gold: #c2a05c;
  --gold-2: #d9b267;
  --slate: #52657a;
  --slate-2: #7b8a9b;
  --line: rgba(0, 36, 77, 0.1);
  --line-strong: rgba(0, 36, 77, 0.16);

  /* Type */
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Rhythm */
  --section-pad: clamp(4.5rem, 9vw, 8rem);
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-soft: 0 6px 30px rgba(0, 36, 77, 0.07);
  --shadow-lift: 0 18px 50px rgba(0, 36, 77, 0.14);
  --wrap: 1180px;
  --wrap-wide: 1320px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
/* clip (not hidden): kills sideways scroll from off-screen decorations without breaking sticky */
html, body { overflow-x: clip; }
body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg, video { max-width: 100%; display: block; }
a { color: var(--azure-deep); text-decoration: none; }
a:hover { color: var(--azure); }
button { font: inherit; cursor: pointer; background: none; border: 0; }
ul, ol { list-style: none; }
::selection { background: var(--gold); color: var(--white); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 clamp(1.25rem, 4vw, 2.5rem); }
.wrap--wide { max-width: var(--wrap-wide); }

/* ---------- Typography ---------- */
h1, h2, h3, .display {
  font-family: var(--font-display);
  font-weight: 560;
  line-height: 1.12;
  letter-spacing: -0.015em;
  color: var(--ink);
}
h1 { font-size: clamp(2.6rem, 6vw, 4.4rem); }
h2 { font-size: clamp(2rem, 4.2vw, 3rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); font-weight: 600; }
.lead { font-size: clamp(1.125rem, 1.8vw, 1.3rem); line-height: 1.65; color: var(--slate); max-width: 46ch; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 0.65rem;
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.28em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.1rem;
}
.eyebrow::before { content: ""; width: 2.2rem; height: 1px; background: var(--gold); }
.eyebrow--plain::before, .eyebrow--plain::after { display: none; }
.eyebrow--center { justify-content: center; }
.eyebrow--center::after { content: ""; width: 2.2rem; height: 1px; background: var(--gold); }

.section-head { max-width: 720px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head--center .lead { margin-left: auto; margin-right: auto; }
.section-head .lead { margin-top: 1.1rem; }

/* On-dark variants */
.on-dark, .on-dark h1, .on-dark h2, .on-dark h3 { color: var(--white); }
.on-dark .lead, .on-dark p { color: rgba(255, 255, 255, 0.78); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem;
  padding: 0.95rem 1.9rem; border-radius: 999px; line-height: 1;
  font-weight: 600; font-size: 0.98rem; letter-spacing: 0.01em;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
  white-space: nowrap;
}
.btn svg { width: 1.05em; height: 1.05em; transition: transform 0.18s ease; }
.btn:hover svg { transform: translateX(3px); }
.btn--gold { background: linear-gradient(135deg, var(--gold-2), var(--gold)); color: var(--ink); box-shadow: 0 8px 24px rgba(194, 160, 92, 0.35); }
.btn--gold:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(194, 160, 92, 0.45); color: var(--ink); }
.btn--ink { background: var(--ink); color: var(--white); }
.btn--ink:hover { background: var(--ink-2); color: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-lift); }
.btn--ghost { background: transparent; color: var(--white); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.45); }
.btn--ghost:hover { background: rgba(255, 255, 255, 0.1); color: var(--white); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.8); }
.btn--ghost-ink { background: transparent; color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--line-strong); }
.btn--ghost-ink:hover { box-shadow: inset 0 0 0 1.5px var(--ink); color: var(--ink); }
.btn--lg { padding: 1.15rem 2.4rem; font-size: 1.05rem; }
.btn--sm { padding: 0.6rem 1.3rem; font-size: 0.88rem; }

.text-link {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-weight: 600; color: var(--azure-deep);
}
.text-link svg { width: 1em; height: 1em; transition: transform 0.18s ease; }
.text-link:hover svg { transform: translateX(4px); }

/* ---------- Header ---------- */
.topbar {
  background: var(--ink); color: rgba(255, 255, 255, 0.75);
  font-size: 0.85rem; position: relative; z-index: 60;
}
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 42px; gap: 1rem; }
.topbar a { color: rgba(255, 255, 255, 0.75); }
.topbar a:hover { color: var(--gold-2); }
.topbar__group { display: flex; align-items: center; gap: 1.4rem; }
.topbar__item { display: inline-flex; align-items: center; gap: 0.45rem; }
.topbar__item svg { width: 0.95rem; height: 0.95rem; opacity: 0.8; }

.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 245, 240, 0.97);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.25s ease, background 0.25s ease;
}
.header.is-scrolled { box-shadow: 0 4px 24px rgba(0, 36, 77, 0.08); background: var(--paper); }
.header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1.4rem; min-height: 84px; }

.brand { display: inline-flex; align-items: center; flex: none; }
.brand__img { height: 62px; width: auto; max-width: none; display: block; }
@media (max-width: 1299px) {
  .brand__img { height: 50px; }
  .nav__link { padding: 0.5rem 0.8rem; font-size: 0.88rem; }
  .header__cta .btn { padding: 0.72rem 1.3rem; font-size: 0.9rem; }
}
.brand__chip { display: inline-block; background: #ffffff; border-radius: 12px; padding: 0.7rem 1rem; }
.brand__chip .brand__img { height: 48px; }

.nav {
  display: flex; align-items: center; gap: 0.15rem;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.3rem;
  box-shadow: 0 2px 12px rgba(0, 36, 77, 0.06);
}
.nav__item { position: relative; display: flex; align-items: center; }
.nav__item + .nav__item::before {
  content: ""; width: 1px; height: 0.95em; flex: none;
  background: var(--line-strong); margin: 0 0.5rem;
}
.nav__link {
  display: inline-flex; align-items: center; gap: 0.35rem;
  padding: 0.52rem 1.05rem; border-radius: 999px;
  font-weight: 560; font-size: 0.92rem; color: var(--ink);
  white-space: nowrap;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}
.nav__link svg { width: 0.7rem; height: 0.7rem; opacity: 0.55; transition: transform 0.2s ease; }
.nav__item:hover > .nav__link { background: var(--ink); color: var(--white); box-shadow: 0 6px 16px rgba(0, 36, 77, 0.22); }
.nav__item:hover > .nav__link svg { transform: rotate(180deg); opacity: 0.8; }
.nav__item--active > .nav__link {
  background: var(--white); color: var(--ink);
  box-shadow: inset 0 0 0 1.5px var(--gold), 0 2px 8px rgba(194, 160, 92, 0.18);
}
.nav__item--active:hover > .nav__link { background: var(--ink); color: var(--white); box-shadow: 0 6px 16px rgba(0, 36, 77, 0.22); }

.dropdown {
  position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 270px; padding: 0.6rem;
  background: var(--white); border-radius: var(--radius);
  border: 1px solid var(--line); box-shadow: var(--shadow-lift);
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
}
.nav__item:hover .dropdown, .nav__item:focus-within .dropdown {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.dropdown::before { content: ""; position: absolute; top: -10px; left: 0; right: 0; height: 10px; }
.dropdown a {
  display: block; padding: 0.6rem 0.9rem; border-radius: 9px;
  color: var(--ink); font-size: 0.94rem; font-weight: 520;
}
.dropdown a:hover { background: var(--azure-soft); color: var(--azure-deep); }
.dropdown__label { padding: 0.55rem 0.9rem 0.3rem; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--slate-2); }
.dropdown__rule { height: 1px; background: var(--line); margin: 0.4rem 0.6rem; }

.header__cta { display: flex; align-items: center; gap: 0.8rem; }
/* Header quote button: the label sits dead-center; the arrow floats at the
   right edge instead of shoving the text off-center. */
.header .header__cta .btn { position: relative; padding-left: 2.4rem; padding-right: 2.4rem; }
.header__cta .btn svg { position: absolute; right: 0.85rem; top: 50%; transform: translateY(-50%); }
.header__cta .btn:hover svg { transform: translateY(-50%) translateX(3px); }

.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 10px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform 0.25s ease, opacity 0.25s ease; }
.nav-toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.is-open span:nth-child(2) { opacity: 0; }
.nav-toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.mobile-nav {
  display: none; position: fixed; inset: 0; top: 0; z-index: 49;
  background: var(--ink); color: var(--white);
  padding: 8.5rem 2rem 3rem; overflow-y: auto;
  opacity: 0; visibility: hidden; transition: opacity 0.3s ease, visibility 0.3s;
}
.mobile-nav.is-open { opacity: 1; visibility: visible; }
.mobile-nav__group { border-bottom: 1px solid rgba(255, 255, 255, 0.12); padding: 1.1rem 0; }
.mobile-nav__group > a, .mobile-nav__group > button {
  display: flex; justify-content: space-between; align-items: center; width: 100%;
  font-family: var(--font-display); font-size: 1.35rem; color: var(--white); text-align: left;
}
.mobile-nav__group svg { width: 1.1rem; height: 1.1rem; flex: none; opacity: 0.6; transition: transform 0.25s ease; }
.mobile-nav__group.is-open > button svg { transform: rotate(180deg); }
.mobile-nav__sub { display: none; padding: 0.8rem 0 0.2rem; }
.mobile-nav__group.is-open .mobile-nav__sub { display: block; }
.mobile-nav__sub a { display: block; padding: 0.45rem 0 0.45rem 1rem; color: rgba(255, 255, 255, 0.7); font-size: 1rem; }
.mobile-nav__sub a:hover { color: var(--gold-2); }
.mobile-nav .btn { margin-top: 2rem; width: 100%; }

/* ---------- Hero (home) ---------- */
.hero {
  position: relative; color: var(--white);
  min-height: clamp(620px, 88vh, 860px);
  display: flex; align-items: center;
  background: var(--ink); overflow: hidden;
}
.hero__media { position: absolute; inset: 0; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 12%; }
.hero__media::after {
  content: ""; position: absolute; inset: 0;
  background:
    linear-gradient(100deg, rgba(0, 26, 56, 0.92) 0%, rgba(0, 26, 56, 0.72) 42%, rgba(0, 26, 56, 0.25) 100%),
    linear-gradient(to top, rgba(0, 26, 56, 0.85) 0%, transparent 40%);
}
.hero .wrap { position: relative; z-index: 2; width: 100%; }
.hero__inner { max-width: 640px; padding: clamp(7rem, 12vw, 9rem) 0 clamp(6rem, 10vw, 8rem); }
.hero h1 { color: var(--white); margin-bottom: 1.4rem; }
.hero h1 em { font-style: italic; color: var(--gold-2); }
.hero .lead { color: rgba(255, 255, 255, 0.82); margin-bottom: 2.4rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 1rem; }
.hero__proof { display: flex; flex-wrap: wrap; align-items: center; gap: 1.8rem; margin-top: 3.2rem; color: rgba(255, 255, 255, 0.7); font-size: 0.9rem; }
.hero__proof strong { color: var(--white); font-weight: 640; }
.hero__proof-item { display: flex; align-items: center; gap: 0.6rem; }
.hero__proof-item svg { width: 1.1rem; height: 1.1rem; color: var(--gold-2); }

/* Gold ribbon over the hero panel */
.hero-ribbon {
  position: absolute; top: 0; left: 50%; transform: translate(-50%, -52%);
  z-index: 3; filter: drop-shadow(0 8px 18px rgba(120, 90, 30, 0.35));
}
.hero-ribbon span {
  display: inline-block; position: relative; z-index: 2;
  background: linear-gradient(180deg, #e3c079 0%, var(--gold) 55%, #ab8443 100%);
  color: var(--ink); font-size: 0.6rem; font-weight: 700;
  letter-spacing: 0.24em; text-transform: uppercase; white-space: nowrap;
  padding: 0.48rem 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.55);
}
.hero-ribbon::before, .hero-ribbon::after {
  content: ""; position: absolute; top: 6px; width: 27px; height: 100%; z-index: 1;
  background: linear-gradient(180deg, #b98c3f, #8f6c30);
}
.hero-ribbon::before { left: -17px; clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%, 9px 50%); }
.hero-ribbon::after { right: -17px; clip-path: polygon(0 0, 100% 0, calc(100% - 9px) 50%, 100% 100%, 0 100%); }

/* Hero variant: centered overlay panel (compact) */
.hero--panel { text-align: center; min-height: 0; }
.hero--panel .hero__media::after {
  background:
    linear-gradient(to bottom, rgba(0, 26, 56, 0.28) 0%, rgba(0, 26, 56, 0.08) 45%, rgba(0, 26, 56, 0.42) 100%);
}
.hero__panel {
  position: relative;
  max-width: 860px; margin: clamp(1.5rem, 3vw, 2.2rem) auto;
  background: linear-gradient(180deg, rgba(252, 250, 246, 0.78), rgba(250, 248, 244, 0.66));
  -webkit-backdrop-filter: blur(22px) saturate(140%); backdrop-filter: blur(22px) saturate(140%);
  border: 1px solid rgba(255, 255, 255, 0.55);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 70px rgba(0, 26, 56, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.6);
  padding: clamp(1.3rem, 2.5vw, 1.9rem) clamp(1.4rem, 3vw, 2.3rem);
}
.hero__panel .eyebrow { margin-top: 0.55rem; margin-bottom: 0.6rem; }
.hero__panel h1 { color: var(--ink); margin-bottom: 0.7rem; font-size: clamp(1.8rem, 3.2vw, 2.5rem); }
.hero__panel h1 em { color: var(--gold); }
.hero__panel .lead { color: var(--slate); margin: 0 auto 1.2rem; font-size: clamp(1rem, 1.3vw, 1.08rem); max-width: 56ch; }
.hero__panel .hero__actions { justify-content: center; }
.hero__panel .hero__actions .btn { padding: 0.8rem 1.7rem; font-size: 0.93rem; }
.hero__panel .hero__proof { justify-content: center; margin-top: 1.1rem; color: var(--slate); font-size: 0.8rem; gap: 0.85rem; }
.hero__panel .hero__proof-item { white-space: nowrap; }
.hero__panel .hero__proof strong { color: var(--ink); }
.hero__panel .hero__proof-item svg { color: var(--gold); }

/* Team photo cards */
.team-card {
  position: relative; display: block; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-soft); background: var(--ink);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.team-card img { width: 100%; aspect-ratio: 1 / 1.02; object-fit: cover; display: block; transition: transform 0.45s ease; }
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lift); }
.team-card:hover img { transform: scale(1.045); }
.team-card__label {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: 2.6rem 1.5rem 1.25rem;
  background: linear-gradient(to top, rgba(0, 26, 56, 0.88) 0%, rgba(0, 26, 56, 0.35) 65%, transparent 100%);
  color: var(--white); text-align: left;
}
.team-card__label strong { display: block; font-family: var(--font-display); font-size: 1.2rem; font-weight: 600; }
.team-card__label span { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-2); }

/* Compact one-line team row (homepage) */
.team-row { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1.1rem; }
.team-card--sm { border-radius: var(--radius); }
.team-card--sm img { aspect-ratio: 1 / 1.08; }
.team-card--sm .team-card__label { padding: 1.8rem 0.85rem 0.65rem; display: flex; flex-direction: column; justify-content: flex-end; }
.team-card--sm .team-card__label strong { font-size: 0.98rem; display: flex; align-items: flex-end; min-height: 2.5em; line-height: 1.2; }
.team-card--sm .team-card__label span { font-size: 0.6rem; letter-spacing: 0.13em; margin-top: 0.12rem; display: block; min-height: 3em; line-height: 1.5; }
@media (max-width: 1080px) {
  .team-row {
    display: flex; overflow-x: auto; gap: 1rem;
    scroll-snap-type: x mandatory; padding-bottom: 0.6rem;
    -webkit-overflow-scrolling: touch;
  }
  .team-card--sm { flex: 0 0 172px; scroll-snap-align: start; }
}

/* Bio cards (Who We Are) */
.team-bio { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.team-bio > img { width: 100%; aspect-ratio: 1 / 0.94; object-fit: cover; }
.team-bio__body { padding: 1.7rem 1.9rem 2.1rem; }

/* Interior page hero */
.page-hero {
  position: relative; background: var(--ink); color: var(--white);
  padding: clamp(3rem, 5.5vw, 4.5rem) 0 clamp(2.2rem, 3.8vw, 3.2rem);
  overflow: hidden;
}
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(47, 127, 212, 0.28), transparent 60%),
    radial-gradient(700px 380px at -5% 110%, rgba(194, 160, 92, 0.16), transparent 55%);
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); max-width: 18ch; }
.page-hero .lead { margin-top: 1.2rem; color: rgba(255, 255, 255, 0.78); }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 0.5rem; align-items: center; font-size: 0.85rem; margin-bottom: 1.6rem; color: rgba(255, 255, 255, 0.55); }
.breadcrumb a { color: rgba(255, 255, 255, 0.7); }
.breadcrumb a:hover { color: var(--gold-2); }
.breadcrumb svg { width: 0.7rem; height: 0.7rem; opacity: 0.5; }

/* ---------- Sections ---------- */
.section { padding: var(--section-pad) 0; }
.section--white { background: var(--white); }
.section--ink { background: var(--ink); color: var(--white); }
.section--tight { padding: clamp(3rem, 6vw, 4.5rem) 0; }

/* Carrier marquee */
.marquee-band { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); padding: 1.9rem 0; overflow: hidden; }
.marquee-band__label { text-align: center; font-size: 0.82rem; font-weight: 700; letter-spacing: 0.32em; text-transform: uppercase; color: var(--slate-2); margin-bottom: 1.4rem; }
.marquee { display: flex; overflow: hidden; position: relative; }
.marquee::before, .marquee::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 8%; z-index: 2; pointer-events: none;
}
.marquee::before { left: 0; background: linear-gradient(to right, var(--white), transparent); }
.marquee::after { right: 0; background: linear-gradient(to left, var(--white), transparent); }
.marquee__track { display: flex; align-items: center; gap: 3.5rem; padding-right: 3.5rem; flex: none; animation: marquee 42s linear infinite; will-change: transform; }
.marquee:hover .marquee__track { animation-play-state: paused; }
.marquee__item { display: inline-flex; align-items: center; gap: 0.65rem; font-family: var(--font-display); font-size: 1.15rem; font-weight: 560; color: var(--slate); white-space: nowrap; opacity: 0.85; transition: color 0.2s ease, opacity 0.2s ease; }
.marquee__logo { height: 24px; width: auto; max-width: 110px; object-fit: contain; filter: grayscale(1); opacity: 0.75; transition: filter 0.25s ease, opacity 0.25s ease; }
.marquee__item:hover .marquee__logo { filter: none; opacity: 1; }
.marquee__item:hover { color: var(--ink); opacity: 1; }
@keyframes marquee { to { transform: translateX(-100%); } }

/* Cards */
.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2.2rem; position: relative; overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lift); border-color: transparent; }
.card__icon {
  width: 54px; height: 54px; border-radius: 14px; margin-bottom: 1.5rem;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--azure-soft), #f2ebdd);
  color: var(--azure-deep);
}
.card__icon svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: 0.7rem; }
.card p { color: var(--slate); font-size: 0.98rem; }
.card .text-link { margin-top: 1.3rem; font-size: 0.95rem; }
.card--link { display: flex; flex-direction: column; }
.card--link p { flex: 1; }
.card--link .text-link { margin-top: auto; padding-top: 1.3rem; }
.card--link { display: block; color: inherit; }
.card--link:hover { color: inherit; }

/* Feature list rows */
.check-list { display: grid; gap: 0.85rem; }
.check-list li { display: flex; gap: 0.85rem; align-items: flex-start; color: var(--slate); }
.check-list li strong { color: var(--ink); }
.check-list svg { width: 1.25rem; height: 1.25rem; flex: none; margin-top: 0.22rem; color: var(--gold); }
.on-dark .check-list li { color: rgba(255, 255, 255, 0.78); }
.on-dark .check-list li strong { color: var(--white); }

/* Split layout */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 6vw, 5.5rem); align-items: center; }
.split__media { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lift); }
.split__media img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3.4; }
.split__media--frame::after { content: ""; position: absolute; inset: 0; border-radius: var(--radius-lg); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.25); }
.split__badge {
  position: absolute; left: 1.4rem; bottom: 1.4rem; right: auto;
  background: rgba(0, 36, 77, 0.82); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  color: var(--white); border-radius: var(--radius); padding: 1rem 1.4rem;
  display: flex; align-items: center; gap: 1rem; border: 1px solid rgba(255, 255, 255, 0.15);
}
.split__badge strong { font-family: var(--font-display); font-size: 1.6rem; color: var(--gold-2); line-height: 1; }
.split__badge span { font-size: 0.82rem; color: rgba(255, 255, 255, 0.75); line-height: 1.35; }

/* Stats band */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.stat { text-align: center; padding: 0 1rem; position: relative; }
.stat + .stat::before { content: ""; position: absolute; left: 0; top: 15%; bottom: 15%; width: 1px; background: rgba(255, 255, 255, 0.14); }
.stat__num { font-family: var(--font-display); font-size: clamp(2.4rem, 4.5vw, 3.4rem); font-weight: 560; color: var(--gold-2); line-height: 1.05; }
.stat__label { margin-top: 0.5rem; font-size: 0.9rem; color: rgba(255, 255, 255, 0.7); }

/* Pull quote band */
.quote-band { position: relative; background: var(--ink); color: var(--white); text-align: center; overflow: hidden; }
.quote-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(800px 400px at 50% 120%, rgba(194, 160, 92, 0.18), transparent 60%);
}
.quote-band .wrap { position: relative; }
.quote-band.section { padding: clamp(1.1rem, 2vw, 1.6rem) 0; }
.quote-band blockquote { font-family: var(--font-display); font-style: italic; font-size: clamp(1.3rem, 2.2vw, 1.7rem); line-height: 1.2; max-width: 40ch; margin: 0 auto; display: inline; }
.quote-band cite { display: inline; margin-left: 0.8rem; font-family: var(--font-body); font-style: normal; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-2); white-space: nowrap; }
.quote-band .quote-band__note { margin: 0.7rem auto 0; max-width: 80ch; color: rgba(255, 255, 255, 0.72); font-size: 0.9rem; line-height: 1.55; }

/* Testimonials */
.t-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2rem; display: flex; flex-direction: column; gap: 1.1rem; height: 100%;
  color: inherit; transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.t-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); color: inherit; }
.t-card__google {
  font-size: 0.78rem; font-weight: 600; color: var(--azure-deep);
  opacity: 0; transition: opacity 0.2s ease; margin-top: -0.4rem;
}
.t-card:hover .t-card__google { opacity: 1; }
.t-card__stars { display: flex; gap: 0.2rem; color: var(--gold); }
.t-card__stars svg { width: 1.05rem; height: 1.05rem; }
.t-card blockquote { font-size: 1.02rem; line-height: 1.65; color: var(--ink); flex: 1; }
.t-card cite { font-style: normal; font-size: 0.88rem; color: var(--slate-2); display: flex; align-items: center; gap: 0.6rem; }
.t-card cite::before { content: ""; width: 1.4rem; height: 1px; background: var(--gold); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; counter-reset: step; }
.step { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2.4rem 2rem 2rem; }
.step::before {
  counter-increment: step; content: "0" counter(step);
  font-family: var(--font-display); font-size: 3.2rem; font-weight: 560; line-height: 1;
  color: transparent; -webkit-text-stroke: 1.2px var(--gold);
  display: block; margin-bottom: 1.2rem;
}
.step h3 { margin-bottom: 0.6rem; }
.step p { color: var(--slate); font-size: 0.97rem; }

/* Accordion */
.accordion { border-top: 1px solid var(--line-strong); }
.accordion__item { border-bottom: 1px solid var(--line-strong); }
.accordion__btn {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1.5rem;
  padding: 1.5rem 0.2rem; text-align: left;
  font-family: var(--font-display); font-size: 1.2rem; font-weight: 560; color: var(--ink);
}
.accordion__btn svg { width: 1.1rem; height: 1.1rem; flex: none; color: var(--gold); transition: transform 0.25s ease; }
.accordion__item.is-open .accordion__btn svg { transform: rotate(45deg); }
.accordion__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.3s ease; }
.accordion__item.is-open .accordion__panel { grid-template-rows: 1fr; }
.accordion__panel-inner { overflow: hidden; }
.accordion__panel-inner > div { padding: 0 0.2rem 1.6rem; color: var(--slate); max-width: 70ch; }
.accordion__panel-inner p + p { margin-top: 0.9rem; }
.accordion__panel-inner strong { color: var(--ink); }

/* Blog cards */
.post-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; display: flex; flex-direction: column; color: inherit; transition: transform 0.25s ease, box-shadow 0.25s ease; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lift); color: inherit; }
.post-card__media { aspect-ratio: 16 / 9; background: linear-gradient(135deg, var(--ink-2), var(--azure-deep)); position: relative; overflow: hidden; }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; }
.post-card__body { padding: 1.8rem; display: flex; flex-direction: column; gap: 0.8rem; flex: 1; }
.post-card__meta { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); }
.post-card h3 { font-size: 1.3rem; }
.post-card p { color: var(--slate); font-size: 0.96rem; flex: 1; }

/* ---------- Forms ---------- */
.form-shell { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.8rem, 4vw, 3rem); box-shadow: var(--shadow-soft); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem 1.4rem; }
.form-grid .field--full { grid-column: 1 / -1; }
.field label { display: block; font-size: 0.88rem; font-weight: 600; margin-bottom: 0.45rem; color: var(--ink); }
.field label .req { color: #c0392b; }
.field input, .field select, .field textarea {
  width: 100%; padding: 0.85rem 1rem; border-radius: 10px;
  border: 1.5px solid var(--line-strong); background: var(--paper);
  font: inherit; font-size: 0.98rem; color: var(--ink);
  transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--azure); background: var(--white);
  box-shadow: 0 0 0 4px rgba(47, 127, 212, 0.14);
}
.field textarea { min-height: 130px; resize: vertical; }
.field .hint { font-size: 0.8rem; color: var(--slate-2); margin-top: 0.35rem; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: #c0392b; }
.field .error-msg { display: none; font-size: 0.8rem; color: #c0392b; margin-top: 0.35rem; }
.field.has-error .error-msg { display: block; }
.form-legend {
  grid-column: 1 / -1; font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; color: var(--ink);
  padding: 1.2rem 0 0.2rem; display: flex; align-items: center; gap: 0.8rem; width: 100%;
}
.form-legend::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.group-label { display: block; font-size: 0.88rem; font-weight: 600; margin-bottom: 0.45rem; color: var(--ink); }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.form-actions { grid-column: 1 / -1; display: flex; align-items: center; gap: 1.4rem; flex-wrap: wrap; margin-top: 1rem; }
.form-note { font-size: 0.82rem; color: var(--slate-2); max-width: 44ch; }
.form-success { display: none; text-align: center; padding: 3rem 1.5rem; }
.form-success.is-visible { display: block; }
.form-success svg { width: 64px; height: 64px; color: var(--gold); margin: 0 auto 1.4rem; }
.form-success h3 { font-size: 1.6rem; margin-bottom: 0.6rem; }
.form-success p { color: var(--slate); max-width: 46ch; margin: 0 auto; }
.radio-row { display: flex; flex-wrap: wrap; gap: 0.7rem; }
.radio-pill input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.radio-pill span {
  display: inline-block; padding: 0.55rem 1.2rem; border-radius: 999px;
  border: 1.5px solid var(--line-strong); font-size: 0.92rem; font-weight: 560;
  cursor: pointer; transition: all 0.18s ease; background: var(--white); color: var(--slate);
}
.radio-pill input:checked + span { background: var(--ink); border-color: var(--ink); color: var(--white); }
.radio-pill input:focus-visible + span { box-shadow: 0 0 0 4px rgba(47, 127, 212, 0.2); }

.secure-note { display: flex; align-items: center; gap: 0.6rem; font-size: 0.85rem; color: var(--slate-2); }
.secure-note svg { width: 1rem; height: 1rem; color: var(--gold); }

/* Erie partner card */
.erie-card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 1.4rem 1.6rem; display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap;
  box-shadow: var(--shadow-soft);
}
.erie-card__logo { height: 46px; width: auto; flex: none; }
.erie-card__actions { display: flex; gap: 0.6rem; flex-wrap: wrap; }
.erie-card__actions .btn { background: var(--white); }


/* Editorial coverage list */
.coverage-list { border-top: 1px solid var(--line-strong); }
.coverage-item {
  display: grid; grid-template-columns: 74px 1fr auto; align-items: center; gap: clamp(1.2rem, 3vw, 2.5rem);
  padding: clamp(1.4rem, 2.6vw, 2rem) 0.6rem; border-bottom: 1px solid var(--line-strong);
  color: inherit; position: relative;
  transition: background 0.25s ease, padding 0.25s ease, border-radius 0.25s ease;
}
.coverage-item:hover { background: var(--white); padding-left: 1.6rem; padding-right: 1.6rem; border-radius: var(--radius); color: inherit; }
.coverage-item__num {
  font-family: var(--font-display); font-size: 1rem; font-weight: 600;
  color: var(--gold); letter-spacing: 0.08em;
}
.coverage-item__num::after { content: ""; display: block; width: 2rem; height: 1px; background: var(--gold); margin-top: 0.5rem; opacity: 0.5; }
.coverage-item__title { font-family: var(--font-display); font-size: clamp(1.45rem, 2.4vw, 2rem); font-weight: 560; letter-spacing: -0.01em; transition: color 0.2s ease; }
.coverage-item p { color: var(--slate); font-size: 0.97rem; max-width: 62ch; margin-top: 0.35rem; }
.coverage-item__arrow {
  width: 54px; height: 54px; border-radius: 50%; flex: none;
  border: 1.5px solid var(--line-strong); color: var(--ink);
  display: flex; align-items: center; justify-content: center;
  transition: background 0.25s ease, border-color 0.25s ease, transform 0.25s ease, color 0.25s ease;
}
.coverage-item__arrow svg { width: 1.15rem; height: 1.15rem; }
.coverage-item:hover .coverage-item__arrow {
  background: linear-gradient(135deg, var(--gold-2), var(--gold));
  border-color: transparent; color: var(--ink);
  transform: rotate(-45deg); box-shadow: 0 8px 20px rgba(194, 160, 92, 0.4);
}
@media (max-width: 700px) {
  .coverage-item { grid-template-columns: 1fr auto; }
  .coverage-item__num { grid-column: 1 / -1; }
  .coverage-item__arrow { width: 44px; height: 44px; }
}


/* Premium coverage cards (4-up) */
.cov-card {
  display: flex; flex-direction: column; position: relative; overflow: hidden;
  background: var(--white); border: 1px solid var(--ink); border-radius: var(--radius-lg);
  padding: 2rem 1.7rem 1.7rem; color: inherit;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.cov-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-2), var(--gold));
  transform: scaleX(0); transform-origin: left; transition: transform 0.35s ease;
}
.cov-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lift); border-color: var(--ink); color: inherit; }
.cov-card__bg {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0;
  opacity: 0.13; filter: grayscale(0.55) contrast(0.95);
  transition: opacity 0.35s ease, transform 0.6s ease;
}
.cov-card:hover .cov-card__bg { opacity: 0.22; transform: scale(1.045); }
.cov-card > *:not(.cov-card__bg) { position: relative; z-index: 1; }
.cov-card::before { z-index: 2; }
.cov-card:hover::before { transform: scaleX(1); }
.cov-card__title { font-family: var(--font-display); font-size: 1.52rem; font-weight: 640; margin: 0.95rem 0 0.55rem; letter-spacing: -0.01em; color: var(--ink); }
.cov-card p { color: #40536a; font-size: 1.04rem; line-height: 1.55; flex: 1; }
.cov-card .coverage-item__num { font-size: 1.12rem; }
.cov-card__arrow { width: 46px; height: 46px; margin-top: 1.5rem; }
.cov-card:hover .cov-card__arrow {
  background: linear-gradient(135deg, var(--gold-2), var(--gold));
  border-color: transparent; color: var(--ink);
  transform: rotate(-45deg); box-shadow: 0 8px 20px rgba(194, 160, 92, 0.4);
}


/* ---------- Premium material layer ---------- */

/* Signatures */
.promise-text {
  font-family: var(--font-display); font-style: italic;
  font-size: clamp(1.15rem, 1.9vw, 1.45rem); line-height: 1.55; color: var(--ink);
  max-width: 46ch; margin: 0 auto;
}
.sig-row { display: flex; justify-content: center; gap: clamp(2.5rem, 8vw, 6rem); margin-top: 2.2rem; flex-wrap: wrap; }
.sig { display: flex; flex-direction: column; align-items: center; gap: 0.4rem; }
.sig__script {
  display: flex; align-items: flex-end; justify-content: center; height: 3.6rem;
  color: var(--gold); line-height: 1.45; padding: 0.1em 0.35em;
  background: linear-gradient(105deg, #a97f39, #d9b267 40%, #c2a05c 70%, #a97f39);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.sig__script--todd { font-family: "Mrs Saint Delafield", cursive; font-size: 2.3rem; transform: rotate(-3deg); }
.sig__script--bryan { font-family: "Allura", cursive; font-size: 2rem; transform: rotate(-1.5deg) translateY(5px); }
.sig__caption { font-size: 0.66rem; font-weight: 600; letter-spacing: 0.24em; text-transform: uppercase; color: var(--slate-2); }


/* Endorsement card */
.endorse {
  display: flex; gap: 1.5rem; align-items: center;
  background: var(--ink); border: 1px solid rgba(255, 255, 255, 0.12); border-radius: var(--radius-lg);
  padding: 1.6rem 1.8rem;
  box-shadow: 0 18px 45px rgba(0, 36, 77, 0.35);
}
.endorse__pwrap {
  width: 122px; height: 138px; flex: none; overflow: hidden;
  border-radius: 20px;
  background: radial-gradient(120% 100% at 50% 0%, #eef3f8 0%, #dfe7ee 55%, #d3ddе6 100%);
  background: radial-gradient(120% 100% at 50% 0%, #eef3f8 0%, #dfe7ee 55%, #d3dde6 100%);
  box-shadow: inset 0 0 0 1px rgba(0, 36, 77, 0.06), 0 0 0 5px var(--gold), 0 12px 28px rgba(0, 0, 0, 0.35);
}
.endorse__photo {
  width: 100%; height: 100%; object-fit: cover; object-position: center top;
  transform: scale(1.05); transform-origin: top center;
}
.endorse > div { min-width: 0; }
.endorse__quote {
  font-family: var(--font-display); font-style: italic;
  font-size: clamp(1rem, 1.4vw, 1.15rem); line-height: 1.5; color: var(--white);
  margin-bottom: 0.8rem;
}
.endorse__name { font-weight: 700; font-size: 0.92rem; color: var(--gold-2); }
.endorse__title { font-size: 0.76rem; color: rgba(255, 255, 255, 0.65); line-height: 1.5; margin-top: 0.15rem; }
@media (max-width: 640px) {
  .endorse { flex-direction: column; align-items: center; text-align: center; }
  .endorse__pwrap { width: 110px; height: 124px; }
}


/* Info / notice panels */
.notice { border-left: 3px solid var(--gold); background: #f5efe3; border-radius: 0 var(--radius) var(--radius) 0; padding: 1.3rem 1.6rem; color: #6b5a33; font-size: 0.95rem; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2rem; }

/* Contact info blocks */
.info-tile { display: flex; gap: 1.1rem; align-items: flex-start; }
.info-tile__icon { width: 46px; height: 46px; flex: none; border-radius: 12px; background: var(--azure-soft); color: var(--azure-deep); display: flex; align-items: center; justify-content: center; }
.info-tile__icon svg { width: 22px; height: 22px; }
.info-tile h4 { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--slate-2); margin-bottom: 0.3rem; }
.info-tile p, .info-tile a { color: var(--ink); font-weight: 520; }
.info-tile a:hover { color: var(--azure-deep); }

/* Carrier directory table */
.carrier-row {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 1rem; align-items: center;
  padding: 1.2rem 1.4rem; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.carrier-row:hover { box-shadow: var(--shadow-soft); transform: translateX(4px); }
.carrier-row__name { font-family: var(--font-display); font-weight: 600; font-size: 1.08rem; }
.carrier-row a { font-size: 0.94rem; font-weight: 600; }
.carrier-row .phone { color: var(--slate); font-size: 0.94rem; }
.carrier-list { display: grid; gap: 0.8rem; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; background: var(--ink); color: var(--white); overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(700px 380px at 12% 0%, rgba(47, 127, 212, 0.3), transparent 55%),
    radial-gradient(600px 340px at 90% 100%, rgba(194, 160, 92, 0.22), transparent 55%);
}
.cta-band .wrap { position: relative; }
.cta-band__grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
@media (max-width: 860px) { .cta-band__grid { grid-template-columns: 1fr; } }

/* Location map card */
.map-card {
  position: relative; display: block; border-radius: var(--radius-lg); overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.22);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.5);
  aspect-ratio: 10 / 8.6; max-height: 460px;
}
.map-card img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.6s ease; }
.map-card:hover img { transform: scale(1.035); }

.map-card::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(closest-side at 41.7% 30%, rgba(194, 160, 92, 0.20), transparent 55%);
}
.map-card__pin {
  position: absolute; width: 14px; height: 14px; border-radius: 50%; z-index: 2;
  background: var(--gold-2); border: 2.5px solid #fff; transform: translate(-50%, -50%);
  box-shadow: 0 0 0 4px rgba(217, 178, 103, 0.35), 0 4px 14px rgba(0, 0, 0, 0.5);
}
.map-card__pulse {
  position: absolute; inset: -15px; border-radius: 50%;
  border: 2px solid rgba(217, 178, 103, 0.55);
  animation: mappulse 2.4s ease-out infinite;
}
@keyframes mappulse { 0% { transform: scale(0.4); opacity: 1; } 100% { transform: scale(1.35); opacity: 0; } }
.map-card__label {
  position: absolute; left: 0.9rem; bottom: 0.9rem; z-index: 2;
  display: inline-flex; align-items: center; gap: 0.45rem;
  background: rgba(0, 26, 56, 0.85); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  color: var(--white); font-size: 0.82rem; font-weight: 600;
  padding: 0.5rem 0.9rem; border-radius: 999px; border: 1px solid rgba(255, 255, 255, 0.14);
}
.map-card__label svg { width: 0.9rem; height: 0.9rem; color: var(--gold-2); }
.map-card__attr { position: absolute; right: 0.6rem; bottom: 0.45rem; font-size: 0.58rem; color: rgba(0, 36, 77, 0.45); }
@media (prefers-reduced-motion: reduce) { .map-card__pulse { animation: none; } }
.cta-band h2 { color: var(--white); max-width: 18ch; }
.cta-band p { color: rgba(255, 255, 255, 0.75); margin-top: 0.8rem; max-width: 44ch; }
.cta-band__actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer { position: relative; background: var(--ink); color: rgba(255, 255, 255, 0.68); font-size: 0.95rem; }
/* Continue the CTA band's bottom-right gold glow across the seam so the two
   blue blocks read as one surface. Same size, x-anchor and color — the band
   holds the top half of the ellipse, the footer holds the bottom half. */
.footer::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(600px 340px at 90% 0%, rgba(194, 160, 92, 0.22), transparent 55%);
}
.footer .wrap { position: relative; }
.footer__top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 3rem; padding: clamp(3.5rem, 7vw, 5.5rem) 0 3rem; }
.footer h4 { color: var(--white); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.28em; text-transform: uppercase; margin-bottom: 1.3rem; }
.footer a { color: rgba(255, 255, 255, 0.68); }
.footer a:hover { color: var(--gold-2); }
.footer li { margin-bottom: 0.65rem; }
.footer__brand p { margin: 1.2rem 0 1.6rem; max-width: 34ch; line-height: 1.65; }
.footer__social { display: flex; gap: 0.8rem; }
.footer__social a {
  width: 40px; height: 40px; border-radius: 10px; display: flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, 0.07); border: 1px solid rgba(255, 255, 255, 0.1);
  transition: background 0.2s ease, transform 0.2s ease;
}
.footer__social a:hover { background: rgba(194, 160, 92, 0.25); transform: translateY(-3px); }
.footer__social svg { width: 18px; height: 18px; }
.footer__contact li { display: flex; gap: 0.8rem; align-items: flex-start; margin-bottom: 1rem; }
.footer__contact svg { width: 1.05rem; height: 1.05rem; flex: none; margin-top: 0.3rem; color: var(--gold); }
.footer__bottom { border-top: 1px solid rgba(255, 255, 255, 0.09); padding: 1.6rem 0; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; font-size: 0.83rem; color: rgba(255, 255, 255, 0.45); }
.footer__bottom a { color: rgba(255, 255, 255, 0.55); }
.footer__legal-links { display: flex; gap: 1.6rem; flex-wrap: wrap; }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1), transform 0.7s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal-stagger > * { opacity: 0; transform: translateY(28px); transition: opacity 0.65s cubic-bezier(0.16, 1, 0.3, 1), transform 0.65s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal-stagger.is-visible > * { opacity: 1; transform: none; }
.reveal-stagger.is-visible > *:nth-child(2) { transition-delay: 0.08s; }
.reveal-stagger.is-visible > *:nth-child(3) { transition-delay: 0.16s; }
.reveal-stagger.is-visible > *:nth-child(4) { transition-delay: 0.24s; }
.reveal-stagger.is-visible > *:nth-child(5) { transition-delay: 0.32s; }
.reveal-stagger.is-visible > *:nth-child(6) { transition-delay: 0.4s; }
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal-stagger > * { opacity: 1; transform: none; transition: none; }
  .marquee__track { animation: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
/* The main nav NEVER collapses into a hamburger: it shrinks, then wraps
   below the logo as a full-width pill, so every link is always visible. */
@media (max-width: 1199px) {
  .nav__link { padding: 0.45rem 0.6rem; font-size: 0.82rem; }
  .nav__item + .nav__item::before { margin: 0 0.3rem; }
  .header__cta .btn { padding: 0.6rem 1rem; font-size: 0.84rem; }
  .brand__img { height: 44px; }
  .header .wrap { gap: 0.9rem; }
}
@media (max-width: 1024px) {
  .header .wrap { flex-wrap: wrap; justify-content: space-between; padding-top: 0.55rem; padding-bottom: 0.65rem; min-height: 0; row-gap: 0.55rem; }
  .nav { order: 3; flex: 0 0 100%; width: auto; min-width: 0; flex-wrap: wrap; justify-content: center; border-radius: 22px; position: relative; }
  /* dropdowns anchor to the whole pill so they can never poke off-screen */
  .nav__item { position: static; }
  .dropdown { min-width: 250px; }
}
@media (max-width: 640px) {
  .nav__link { padding: 0.38rem 0.45rem; font-size: 0.76rem; }
  .nav__item + .nav__item::before { margin: 0 0.15rem; }
  .brand__img { height: 38px; }
  .header__cta .btn { padding: 0.5rem 0.85rem; font-size: 0.78rem; }
}
@media (max-width: 1080px) {
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 2.5rem 1rem; }
  .stat + .stat::before { display: none; }
  .footer__top { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}
@media (max-width: 860px) {
  .grid--3 { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .split--media-right .split__media { order: -1; }
  .steps { grid-template-columns: 1fr; }
  .topbar__group--secondary { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .carrier-row { grid-template-columns: 1fr; gap: 0.3rem; padding: 1.1rem 1.2rem; }
}
@media (max-width: 640px) {
  .grid--2, .grid--4 { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr; }
  .hero__actions .btn { width: 100%; }
  /* topbar: address + phone stay visible, wrapping neatly */
  .topbar { font-size: 0.78rem; }
  .topbar .wrap { flex-wrap: wrap; justify-content: center; row-gap: 0; padding-top: 0.35rem; padding-bottom: 0.35rem; min-height: 0; }
  .topbar__group { gap: 1rem; }
  /* referral rows stack vertically */
  [data-repeat-row] { grid-template-columns: 1fr !important; gap: 0.5rem !important; }
  [data-repeat-row] button { justify-self: end; }
  /* comfortable tap targets for pills */
  .radio-pill span { padding: 0.6rem 1.15rem; }
  .brand__img { height: 50px; }
}

/* Homepage: tighter vertical rhythm between sections */
.home .section:not(.quote-band) { padding: calc(var(--section-pad) * 0.65) 0; }
.home .section--tight { padding: calc(clamp(3rem, 6vw, 4.5rem) * 0.7) 0; }

/* One-line wide headings (team heading) */
.h2--oneline { font-size: clamp(1.2rem, 2.1vw, 1.8rem); white-space: nowrap; }
@media (max-width: 900px) { .h2--oneline { white-space: normal; font-size: clamp(1.3rem, 3.4vw, 1.7rem); } }

/* DeSantis card is a link — keep its appearance identical */
a.endorse, a.endorse:hover { color: inherit; text-decoration: none; }

/* Homepage blog cards: thin blue outline */
.home .post-card { border: 1px solid var(--ink); }

/* Hero illustration (contact page) */
.hero-illo { display: block; filter: drop-shadow(0 16px 32px rgba(0, 0, 0, 0.35)); }
.hero-illo img { display: block; height: 150px; width: auto; }

/* Experience badge in page heroes (Who We Are) */
.page-hero__aside { position: absolute; right: clamp(1.5rem, 7vw, 7rem); top: 42%; transform: translateY(-50%); z-index: 2; }
.xp-badge {
  display: flex; flex-direction: column; align-items: center; gap: 0.55rem; text-align: center;
  padding: 1.25rem 1.8rem 1.45rem;
  border: 1.5px solid rgba(194, 160, 92, 0.6); border-radius: 18px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.07), rgba(255, 255, 255, 0.02));
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.12);
}
.xp-badge__num {
  font-family: var(--font-display); font-size: 2.9rem; font-weight: 640; line-height: 1;
  background: linear-gradient(105deg, #e3c079, #c2a05c 60%, #a97f39);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.xp-badge__label { font-size: 0.58rem; font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; color: rgba(255, 255, 255, 0.88); line-height: 1.8; }
.xp-badge__rule { width: 1.8rem; height: 1px; background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: 0.8; }
@media (max-width: 1080px) { .page-hero__aside { display: none; } }

/* Netlify spam honeypot — hidden from people, visible to bots */
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-error { color: #982f26; font-size: 0.9rem; margin-top: 0.8rem; font-weight: 600; }