/* ==========================================================================
   Compare-N-Save Insurance — Blended Stylesheet
   Classic professional structure + modern navy-blue palette
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

:root {
    /* Brand — navy blue palette (no gold) */
    --navy:          #1B2F6B;
    --navy-dark:     #0F1E4A;
    --navy-deep:     #081530;
    --navy-light:    #2F4FA3;
    --blue:          #3E5FB8;
    --blue-bright:   #4F7BFF;
    --blue-light:    #6C8CFF;
    --sky:           #60A5FA;   /* accent — replaces gold */
    --sky-light:     #93C5FD;
    --sky-pale:      #DBEAFE;
    --cream:         #F8FAFF;    /* very light tint of blue, replaces gold cream */
    --white:         #ffffff;
    --gray-50:       #F9FAFB;
    --gray-100:      #F3F4F6;
    --gray-200:      #E5E7EB;
    --gray-300:      #D1D5DB;
    --gray-500:      #6B7280;
    --gray-700:      #374151;
    --gray-900:      #111827;
    --success:       #059669;
    --error:         #DC2626;

    /* Typography */
    --font-display: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    /* Layout */
    --container-max: 1200px;
    --radius-sm:     6px;
    --radius-md:     10px;
    --radius-lg:     18px;

    /* Elevation */
    --shadow-sm:     0 1px 3px rgba(15, 30, 74, 0.08);
    --shadow-md:     0 6px 20px rgba(15, 30, 74, 0.10);
    --shadow-lg:     0 18px 45px rgba(15, 30, 74, 0.14);
    --shadow-xl:     0 25px 60px rgba(15, 30, 74, 0.18);

    --transition:    0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================================
   Reset & Base
   ========================================================================== */

*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
    overflow-x: hidden;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    color: var(--gray-900);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

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

a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy); }

h1, h2, h3, h4 {
    font-family: var(--font-display);
    font-weight: 800;
    line-height: 1.15;
    color: var(--navy);
    letter-spacing: -0.02em;
}
h1 { font-size: clamp(2rem, 4vw + 1rem, 3.5rem); font-weight: 800; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.75rem, 2.5vw + 1rem, 2.5rem); font-weight: 800; letter-spacing: -0.025em; }
h3 { font-size: clamp(1.25rem, 1vw + 1rem, 1.5rem); font-weight: 700; letter-spacing: -0.015em; }
h4 { font-size: 1.125rem; font-weight: 700; }

p { margin-bottom: 1rem; color: var(--gray-700); }
p:last-child { margin-bottom: 0; }

.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* ==========================================================================
   Top bar (thin navy strip with license + phone)
   ========================================================================== */

.topbar {
    background: var(--navy-deep);
    color: rgba(255,255,255,0.85);
    padding: 0.55rem 0;
    font-size: 0.85rem;
}
.topbar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
}
.topbar a {
    color: rgba(255,255,255,0.85);
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-weight: 500;
}
.topbar a:hover { color: var(--sky-light); }
.topbar .tagline {
    font-style: italic;
    color: var(--sky-light);
    letter-spacing: 0.02em;
}

/* ==========================================================================
   Header / Nav (white with subtle shadow — logo lives here)
   ========================================================================== */

.header {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    position: sticky;
    top: 0;
    z-index: 300;
    box-shadow: var(--shadow-sm);
}

.header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 0.75rem;
    padding-bottom: 0.75rem;
    gap: 1rem;
}

.logo {
    display: inline-flex;
    align-items: center;
}
.logo img {
    height: 90px;
    width: auto;
}

.nav {
    display: flex;
    align-items: center;
    gap: 0.15rem;
}
.nav a {
    padding: 0.55rem 0.9rem;
    font-weight: 500;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    font-size: 0.94rem;
    transition: all var(--transition);
    position: relative;
}
.nav a:hover,
.nav a.active {
    color: var(--navy);
    background: var(--sky-pale);
}
.nav a.active::after {
    content: '';
    position: absolute;
    bottom: -3px;
    left: 50%;
    transform: translateX(-50%);
    width: 22px;
    height: 2px;
    background: var(--blue);
    border-radius: 2px;
}
.nav .nav-phone {
    margin-left: 0.5rem;
    background: linear-gradient(135deg, var(--blue-bright) 0%, var(--blue) 60%, var(--navy-light) 100%);
    color: var(--white) !important;
    padding: 0.6rem 1.1rem;
    border-radius: 100px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    box-shadow: 0 8px 20px rgba(30, 58, 138, 0.25);
}
.nav .nav-phone:hover {
    background: var(--navy);
    color: var(--white) !important;
    transform: translateY(-1px);
}

.menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
}
.menu-toggle span {
    display: block;
    width: 26px;
    height: 2px;
    background: var(--navy);
    margin: 5px 0;
    transition: var(--transition);
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.85rem 1.75rem;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius-md);
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition);
    letter-spacing: 0.01em;
    white-space: nowrap;
}

/* Primary — blue gradient */
.btn-primary {
    background: linear-gradient(135deg, var(--blue-bright) 0%, var(--blue) 60%, var(--navy-light) 100%);
    color: var(--white);
    box-shadow: 0 10px 25px rgba(30, 58, 138, 0.35);
}
.btn-primary:hover {
    background: linear-gradient(135deg, var(--blue-light) 0%, var(--blue-bright) 60%, var(--blue) 100%);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 14px 35px rgba(30, 58, 138, 0.45);
}

/* Secondary — solid navy */
.btn-secondary {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}
.btn-secondary:hover {
    background: var(--navy-dark);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Outline */
.btn-outline {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}
.btn-outline:hover {
    background: var(--navy);
    color: var(--white);
}

/* Light outline (for dark backgrounds) */
.btn-outline-light {
    background: rgba(255,255,255,0.08);
    color: var(--white);
    border-color: rgba(255,255,255,0.4);
    backdrop-filter: blur(8px);
}
.btn-outline-light:hover {
    background: rgba(255,255,255,0.18);
    color: var(--white);
    border-color: rgba(255,255,255,0.6);
}

.btn-large { padding: 1.05rem 2.25rem; font-size: 1.05rem; }

/* ==========================================================================
   Hero (navy gradient + hero card)
   ========================================================================== */

.hero {
    position: relative;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 45%, var(--navy-light) 100%);
    color: var(--white);
    padding: 5rem 0 7rem;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 18% 20%, rgba(147, 197, 253, 0.14) 0%, transparent 40%),
        radial-gradient(circle at 82% 15%, rgba(147, 197, 253, 0.10) 0%, transparent 35%),
        radial-gradient(circle at 50% 100%, rgba(96, 165, 250, 0.08) 0%, transparent 40%);
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: linear-gradient(to top, var(--gray-50) 0%, transparent 100%);
    opacity: 0.2;
    pointer-events: none;
}
.hero .container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 3.5rem;
    align-items: center;
}

/* Hero eyebrow pill (glass) */
.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(147, 197, 253, 0.14);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(147, 197, 253, 0.35);
    color: var(--sky-light);
    padding: 0.5rem 1.1rem;
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.11em;
    margin-bottom: 1.5rem;
}

.hero h1 {
    color: var(--white);
    margin-bottom: 1.25rem;
    line-height: 1.1;
}
.hero h1 .accent {
    color: var(--sky-light);
    font-weight: 300;
    font-style: italic;
}

.hero-lead {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.88);
    margin-bottom: 2rem;
    max-width: 560px;
}

.hero-cta {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 2.5rem;
}

.hero-trust {
    display: flex;
    gap: 1.5rem 2rem;
    flex-wrap: wrap;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.15);
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    color: rgba(255,255,255,0.9);
    font-size: 0.9rem;
    font-weight: 500;
}
.trust-item svg {
    color: var(--sky-light);
    flex-shrink: 0;
}

/* Hero quote card */
.hero-card {
    background: var(--white);
    color: var(--gray-900);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    position: relative;
}
.hero-card::before {
    content: '';
    position: absolute;
    top: -8px; left: -8px; right: -8px; bottom: -8px;
    border: 2px solid var(--sky);
    border-radius: calc(var(--radius-lg) + 8px);
    opacity: 0.35;
    z-index: -1;
    pointer-events: none;
}
.hero-card h3 {
    margin-bottom: 0.4rem;
    font-family: var(--font-display);
}
.hero-card .sub {
    color: var(--gray-500);
    font-size: 0.9rem;
    margin-bottom: 1.25rem;
}

/* ==========================================================================
   Section base
   ========================================================================== */

section { padding: 5rem 0; }

.section-header {
    text-align: center;
    max-width: 680px;
    margin: 0 auto 3rem;
}
.section-eyebrow {
    display: inline-block;
    color: var(--blue);
    font-size: 0.82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    margin-bottom: 0.75rem;
}
.section-header h2 {
    margin-bottom: 0.75rem;
}
.divider-ornament {
    margin: 1.25rem auto;
    width: 80px;
    height: 2px;
    background: linear-gradient(to right, transparent, var(--blue), transparent);
    position: relative;
}
.divider-ornament span {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 8px;
    height: 8px;
    background: var(--blue);
    border-radius: 50%;
    box-shadow: 0 0 0 3px var(--white);
}
.section-header p {
    color: var(--gray-500);
    font-size: 1.05rem;
}

/* ==========================================================================
   Products grid
   ========================================================================== */

.products-section { background: var(--gray-50); }

.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 1.5rem;
    margin-bottom: 2.5rem;
}

.product-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 2rem 1.5rem;
    text-align: center;
    text-decoration: none;
    color: inherit;
    display: block;
    transition: all var(--transition);
}
.product-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}

.product-icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 1.25rem;
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--sky-light);
}

.product-card h3 {
    font-size: 1.15rem;
    margin-bottom: 0.4rem;
}
.product-card p {
    font-size: 0.9rem;
    color: var(--gray-500);
    margin-bottom: 0;
}

.products-cta { text-align: center; }

/* ==========================================================================
   Values / Why choose us
   ========================================================================== */

.values-section { background: var(--white); }

.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 2rem;
}
.value-card {
    text-align: center;
    padding: 2rem 1rem;
}
.value-icon {
    width: 76px;
    height: 76px;
    margin: 0 auto 1.25rem;
    background: var(--sky-pale);
    border: 2px solid var(--sky);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    transition: all var(--transition);
}
.value-card:hover .value-icon {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--sky-light);
    transform: scale(1.05);
}
.value-card h3 { margin-bottom: 0.7rem; }
.value-card p {
    color: var(--gray-500);
    font-size: 0.95rem;
}

/* ==========================================================================
   Stats bar
   ========================================================================== */

.stats-section {
    background: var(--gray-50);
    padding: 3rem 0;
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1.5rem;
    text-align: center;
}
.stat-num {
    font-family: var(--font-display);
    font-size: clamp(2.25rem, 3vw, 3rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    background: linear-gradient(135deg, var(--navy), var(--blue));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1;
    margin-bottom: 0.4rem;
}
.stat-label {
    color: var(--gray-500);
    font-size: 0.92rem;
    font-weight: 500;
}

/* ==========================================================================
   Testimonials (navy gradient bg with serif quotes)
   ========================================================================== */

.testimonials-section {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 45%, var(--navy-light) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.testimonials-section::before {
    content: '\201C';
    position: absolute;
    top: -80px;
    left: 4%;
    font-family: var(--font-display);
    font-weight: 900;
    font-size: 22rem;
    color: var(--sky-light);
    opacity: 0.08;
    line-height: 1;
    pointer-events: none;
}
.testimonials-section h2,
.testimonials-section .section-header h2 {
    color: var(--white);
}
.testimonials-section .section-eyebrow { color: var(--sky-light); }
.testimonials-section .section-header p { color: rgba(255,255,255,0.78); }
.testimonials-section .divider-ornament {
    background: linear-gradient(to right, transparent, var(--sky-light), transparent);
}
.testimonials-section .divider-ornament span {
    background: var(--sky-light);
    box-shadow: 0 0 0 3px var(--navy);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    position: relative;
}

.testimonial {
    background: rgba(255,255,255,0.06);
    backdrop-filter: blur(12px);
    border: 1px solid rgba(147, 197, 253, 0.22);
    padding: 2rem;
    border-radius: var(--radius-md);
    position: relative;
    transition: all var(--transition);
}
.testimonial:hover {
    transform: translateY(-4px);
    border-color: rgba(147, 197, 253, 0.4);
    background: rgba(255,255,255,0.08);
}
.testimonial .stars {
    color: var(--sky-light);
    margin-bottom: 1rem;
    font-size: 1.1rem;
    letter-spacing: 0.15em;
}
.testimonial p {
    font-style: italic;
    font-weight: 400;
    font-size: 1.08rem;
    line-height: 1.65;
    color: rgba(255,255,255,0.95);
    margin-bottom: 1.25rem;
    letter-spacing: -0.005em;
}
.testimonial cite {
    display: block;
    font-family: var(--font-body);
    font-style: normal;
    font-weight: 600;
    color: var(--sky-light);
}
.testimonial cite span {
    display: block;
    font-weight: 400;
    color: rgba(255,255,255,0.65);
    font-size: 0.875rem;
    margin-top: 0.15rem;
}

/* ==========================================================================
   CTA band
   ========================================================================== */

.cta-band {
    background: linear-gradient(135deg, var(--blue-bright) 0%, var(--blue) 50%, var(--navy-light) 100%);
    padding: 4.5rem 0;
    text-align: center;
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.cta-band::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 30% 50%, rgba(255,255,255,0.12) 0%, transparent 45%);
    pointer-events: none;
}
.cta-band h2 {
    color: var(--white);
    margin-bottom: 0.75rem;
    position: relative;
}
.cta-band p {
    color: rgba(255,255,255,0.92);
    font-size: 1.1rem;
    margin-bottom: 2rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
    position: relative;
}
.cta-band .btn {
    position: relative;
}
.cta-band .btn-primary {
    background: var(--white);
    color: var(--navy);
    box-shadow: 0 10px 25px rgba(0,0,0,0.2);
}
.cta-band .btn-primary:hover {
    background: var(--sky-pale);
    color: var(--navy);
    transform: translateY(-2px);
}

/* ==========================================================================
   How it works
   ========================================================================== */

.howitworks-section { background: var(--gray-50); }

.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 2rem;
}
.step-card {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    position: relative;
    transition: all var(--transition);
}
.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.step-num {
    position: absolute;
    top: -1.25rem;
    left: 1.75rem;
    width: 3rem;
    height: 3rem;
    background: linear-gradient(135deg, var(--navy), var(--blue));
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 1.35rem;
    font-weight: 700;
    box-shadow: var(--shadow-md);
}
.step-card h3 {
    margin-top: 1rem;
    margin-bottom: 0.5rem;
    font-size: 1.25rem;
}
.step-card p {
    color: var(--gray-500);
    font-size: 0.95rem;
}

/* ==========================================================================
   Forms
   ========================================================================== */

.form-section { background: var(--cream); }

.form-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.15fr;
    gap: 3rem;
    align-items: start;
}
.form-info h2 {
    margin-bottom: 1rem;
}
.form-info p {
    color: var(--gray-500);
    margin-bottom: 1.5rem;
    font-size: 1.05rem;
}
.form-info ul {
    list-style: none;
    padding: 0;
    margin-bottom: 1.75rem;
}
.form-info li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    padding: 0.6rem 0;
    color: var(--gray-700);
}
.form-info li svg {
    color: var(--blue);
    flex-shrink: 0;
    margin-top: 0.2rem;
}
.form-info .phone-box {
    background: var(--white);
    border: 1px solid var(--sky);
    padding: 1.25rem;
    border-radius: var(--radius-md);
    text-align: center;
}
.form-info .phone-box .label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--blue);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.25rem;
}
.form-info .phone-box a {
    color: var(--navy);
    font-size: 1.5rem;
    font-weight: 700;
    font-family: var(--font-display);
}
.form-info .phone-box a:hover { color: var(--blue); }

/* Insurance form */
.insurance-form {
    background: var(--white);
    padding: 2.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
}
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}
.form-group {
    margin-bottom: 1.1rem;
}
.form-group label {
    display: block;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--gray-700);
    margin-bottom: 0.4rem;
}
.form-group label .req { color: var(--error); }
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: 0.75rem 1rem;
    font-size: 0.95rem;
    font-family: inherit;
    background: var(--white);
    color: var(--gray-900);
    outline: none;
    transition: all var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--blue);
    box-shadow: 0 0 0 4px rgba(62, 95, 184, 0.12);
}
.form-group textarea { resize: vertical; min-height: 100px; }

/* Coverage chips (icon tiles) */
.coverage-chips {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 0.65rem;
    margin-top: 0.5rem;
}
.form-group label.coverage-chip {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.55rem;
    padding: 1rem 0.75rem;
    min-height: 96px;
    margin: 0;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-md);
    cursor: pointer;
    font-size: 0.92rem;
    font-weight: 500;
    color: var(--gray-700);
    transition: all var(--transition);
    background: var(--white);
    user-select: none;
    text-align: center;
}
.coverage-chip .cov-icon {
    color: var(--gray-500);
    transition: color var(--transition);
    flex-shrink: 0;
}
.form-group label.coverage-chip:hover {
    border-color: var(--sky);
    background: var(--sky-pale);
}
.coverage-chip:hover .cov-icon {
    color: var(--blue);
}
.form-group label.coverage-chip:focus-within {
    outline: none;
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.15);
}
.form-group label.coverage-chip.checked {
    border-color: var(--blue);
    background: var(--sky-pale);
    color: var(--navy);
}
.coverage-chip.checked .cov-icon {
    color: var(--blue);
}

.form-submit {
    width: 100%;
    margin-top: 0.5rem;
}

.msg-success,
.msg-error {
    padding: 0.85rem 1rem;
    border-radius: var(--radius-md);
    font-size: 0.92rem;
    font-weight: 600;
    display: none;
    margin-top: 1rem;
}
.msg-success {
    background: #ECFDF5;
    border: 1px solid #A7F3D0;
    color: #065F46;
}
.msg-error {
    background: #FEF2F2;
    border: 1px solid #FECACA;
    color: #991B1B;
}
.msg-success.visible,
.msg-error.visible { display: block; }

/* ==========================================================================
   Page hero (inner pages)
   ========================================================================== */

.page-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
    color: var(--white);
    padding: 4rem 0 4.5rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 20% 30%, rgba(147, 197, 253, 0.14) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(96, 165, 250, 0.08) 0%, transparent 50%);
    pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero .lead {
    color: rgba(255,255,255,0.88);
    font-size: 1.1rem;
    max-width: 640px;
    margin: 0 auto;
}
.page-hero.page-hero-compact { padding: 2rem 0 2rem; text-align: left; }
.page-hero.page-hero-compact .breadcrumb { margin-bottom: 0; }

.breadcrumb {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.75);
    margin-bottom: 1rem;
}
.breadcrumb a {
    color: var(--sky-light);
    font-weight: 500;
}
.breadcrumb a:hover { color: var(--white); }
.breadcrumb .sep { margin: 0 0.4rem; opacity: 0.5; }

/* ==========================================================================
   Team cards
   ========================================================================== */

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2.5rem;
    max-width: 900px;
    margin: 0 auto;
}
.team-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
    transition: all var(--transition);
}
.team-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.team-photo {
    /* aspect-ratio: 4 / 3; */
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.9);
    position: relative;
    overflow: hidden;
}
.team-photo::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 30% 20%, rgba(255,255,255,0.2) 0%, transparent 55%);
}
.team-photo svg {
    width: 100px;
    height: 100px;
    position: relative;
    z-index: 1;
    opacity: 0.85;
}
.team-body { padding: 2rem; }
.team-body h3 { margin-bottom: 0.25rem; }
.team-role {
    color: var(--blue);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 1rem;
}
.team-body p {
    color: var(--gray-700);
    font-size: 0.95rem;
    margin-bottom: 1rem;
}
.team-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
    margin-top: 0.5rem;
}
.team-actions .btn { font-size: 0.85rem; padding: 0.55rem 1.1rem; }

/* Team detail page */
.team-detail {
    display: grid;
    grid-template-columns: 320px 1fr;
    gap: 3rem;
    align-items: start;
    max-width: 1000px;
    margin: 0 auto;
}
.team-detail-photo {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
    background: var(--white);
    position: sticky;
    top: 2rem;
}
.team-detail-photo img { width: 100%; display: block; aspect-ratio: 4/5; object-fit: cover; }
.team-detail-photo .photo-meta {
    padding: 1.25rem 1.5rem;
    border-top: 1px solid var(--gray-200);
    background: var(--gray-50);
}
.team-detail-photo .photo-meta a { display: block; font-size: 0.92rem; color: var(--navy); text-decoration: none; padding: 0.2rem 0; }
.team-detail-photo .photo-meta a:hover { color: var(--blue); }
.team-detail-content h1 { margin-bottom: 0.5rem; }
.team-detail-content .role-badge {
    display: inline-block;
    color: var(--blue);
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 2rem;
}
.team-detail-content h3 {
    font-size: 1.15rem;
    margin-top: 2rem;
    margin-bottom: 0.85rem;
    color: var(--navy);
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--sky-pale);
}
.team-detail-content h3:first-of-type { margin-top: 0; }
.team-detail-content h4 {
    font-size: 1rem;
    color: var(--navy);
    margin-top: 1.25rem;
    margin-bottom: 0.35rem;
    font-family: var(--font-display);
}
.team-detail-content p { color: var(--gray-700); margin-bottom: 0.75rem; }
.team-detail-content ul { margin: 0 0 1rem 1.25rem; color: var(--gray-700); }
.team-detail-content ul ul { margin-top: 0.4rem; }
.team-detail-content li { margin-bottom: 0.4rem; }
.team-detail-back {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    color: var(--gray-700);
    text-decoration: none;
    font-size: 0.9rem;
    margin-bottom: 1.5rem;
    transition: color var(--transition);
}
.team-detail-back:hover { color: var(--blue); }
@media (max-width: 768px) {
    .team-detail { grid-template-columns: 1fr; gap: 2rem; }
    .team-detail-photo { position: static; max-width: 280px; margin: 0 auto; }
}

/* Blog post detail page */
.post-meta-bar {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 1.25rem;
    padding: 1.25rem 0;
    margin-bottom: 2rem;
    border-bottom: 1px solid var(--gray-200);
    color: var(--gray-700);
    font-size: 0.9rem;
}
.post-author {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    font-weight: 600;
    color: var(--navy);
}
.post-author-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    font-weight: 700;
    font-family: var(--font-display);
}
.post-meta-dot { width: 4px; height: 4px; border-radius: 50%; background: var(--gray-300); }
.post-hero-img {
    width: 100%;
    aspect-ratio: 16/9;
    object-fit: cover;
    object-position: center top;
    border-radius: var(--radius-lg);
    margin-bottom: 2rem;
    box-shadow: var(--shadow-md);
}
.article-content blockquote {
    border-left: 4px solid var(--blue);
    padding: 0.5rem 0 0.5rem 1.25rem;
    margin: 1.5rem 0;
    color: var(--gray-700);
    font-style: italic;
    background: var(--gray-50);
}
.article-content ol { margin: 0 0 1rem 1.5rem; color: var(--gray-700); }
.article-content ol li { margin-bottom: 0.75rem; }
.article-content a:not(.btn) { color: var(--blue); text-decoration: underline; }
.article-content a:not(.btn):hover { color: var(--navy); }
.article-content strong { color: var(--navy); }

.related-posts {
    margin-top: 4rem;
    padding-top: 2.5rem;
    border-top: 1px solid var(--gray-200);
}
.related-posts h3 { margin-bottom: 1.5rem; }
.related-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.5rem;
}
.related-card {
    display: block;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: 1.25rem;
    text-decoration: none;
    transition: all var(--transition);
}
.related-card:hover { border-color: var(--sky); transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.related-card .related-meta { font-size: 0.8rem; color: var(--gray-700); margin-bottom: 0.4rem; text-transform: uppercase; letter-spacing: 0.08em; }
.related-card h4 { color: var(--navy); font-size: 1rem; margin: 0; line-height: 1.4; }

/* ==========================================================================
   Blog cards
   ========================================================================== */

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}
.blog-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all var(--transition);
    display: flex;
    flex-direction: column;
}
.blog-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.blog-thumb {
    aspect-ratio: 16 / 10;
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--sky-light);
    position: relative;
    overflow: hidden;
}
.blog-thumb::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 70% 30%, rgba(147, 197, 253, 0.28) 0%, transparent 55%);
}
.blog-thumb svg {
    width: 56px;
    height: 56px;
    position: relative;
    z-index: 1;
}
.blog-body {
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    flex: 1;
}
.blog-meta {
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--blue);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.6rem;
}
.blog-body h3 {
    font-size: 1.15rem;
    margin-bottom: 0.75rem;
    line-height: 1.35;
}
.blog-body h3 a { color: inherit; text-decoration: none; transition: color var(--transition); }
.blog-body h3 a:hover { color: var(--blue); }
.blog-body p {
    color: var(--gray-500);
    font-size: 0.92rem;
    margin-bottom: 1rem;
    flex: 1;
}
.blog-readmore {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    padding: 0.6rem 1.2rem;
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--white);
    background: linear-gradient(135deg, var(--blue-bright) 0%, var(--blue) 60%, var(--navy-light) 100%);
    border: 2px solid transparent;
    border-radius: var(--radius-md);
    text-decoration: none;
    letter-spacing: 0.01em;
    box-shadow: 0 8px 18px rgba(30, 58, 138, 0.3);
    align-self: flex-start;
    transition: all var(--transition);
}
.blog-readmore:hover {
    background: linear-gradient(135deg, var(--blue-light) 0%, var(--blue-bright) 60%, var(--blue) 100%);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(30, 58, 138, 0.4);
    gap: 0.55rem;
}

/* ==========================================================================
   Service cards (book online)
   ========================================================================== */

.service-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.5rem;
}
.service-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    display: flex;
    flex-direction: column;
    transition: all var(--transition);
}
.service-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.service-icon {
    width: 64px;
    height: 64px;
    margin-bottom: 1.25rem;
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--sky-light);
}
.service-card h3 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
}
.service-card p {
    color: var(--gray-500);
    font-size: 0.92rem;
    margin-bottom: 1rem;
    flex: 1;
}
.service-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 1rem;
    border-top: 1px solid var(--gray-100);
    margin-bottom: 1rem;
    font-size: 0.82rem;
    color: var(--gray-500);
}
.service-meta .avail {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: var(--success);
    font-weight: 600;
}
.pulse-dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--success);
    box-shadow: 0 0 0 0 rgba(5, 150, 105, 0.7);
    animation: pulse-ring 1.8s infinite;
}
@keyframes pulse-ring {
    0% { box-shadow: 0 0 0 0 rgba(5, 150, 105, 0.7); }
    70% { box-shadow: 0 0 0 10px rgba(5, 150, 105, 0); }
    100% { box-shadow: 0 0 0 0 rgba(5, 150, 105, 0); }
}

/* ==========================================================================
   Scheduler section (Calendly inline embed + side panel)
   ========================================================================== */

.scheduler-section {
    background: var(--gray-50);
    padding: 4.5rem 0;
    scroll-margin-top: 100px;
}
.scheduler-header {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 2.5rem;
}
.scheduler-header h2 {
    margin: 0.5rem 0 0.75rem;
}
.scheduler-subhead {
    color: var(--gray-700);
    font-size: 1.05rem;
    line-height: 1.65;
    margin: 0 0 1.5rem;
}
.scheduler-selected {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    background: var(--white);
    border: 1px solid var(--sky);
    box-shadow: 0 4px 14px rgba(96, 165, 250, 0.18);
    padding: 0.6rem 0.85rem 0.6rem 1.15rem;
    border-radius: 999px;
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--navy);
    animation: scheduler-pop 0.3s ease-out;
}
.scheduler-selected[hidden] { display: none; }
.scheduler-selected-label {
    color: var(--gray-500);
    font-weight: 500;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.scheduler-selected-value {
    color: var(--navy);
    font-weight: 600;
}
.scheduler-selected-clear {
    background: var(--sky-pale);
    border: none;
    color: var(--blue);
    padding: 0.3rem 0.7rem;
    border-radius: 999px;
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
}
.scheduler-selected-clear:hover {
    background: var(--blue);
    color: var(--white);
}
@keyframes scheduler-pop {
    0% { opacity: 0; transform: translateY(-4px); }
    100% { opacity: 1; transform: translateY(0); }
}

.scheduler-wrap {
    display: grid;
    grid-template-columns: minmax(260px, 320px) 1fr;
    gap: 2rem;
    align-items: start;
}
.scheduler-info {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 1.75rem 1.5rem;
    position: sticky;
    top: 100px;
}
.scheduler-info h3 {
    color: var(--navy);
    font-size: 1.15rem;
    margin-bottom: 0.5rem;
}
.scheduler-info p {
    color: var(--gray-700);
    font-size: 0.93rem;
    line-height: 1.6;
    margin-bottom: 1.25rem;
}
.scheduler-info-list {
    list-style: none;
    padding: 0;
    margin: 0 0 1.5rem;
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
}
.scheduler-info-list li {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    color: var(--gray-700);
    font-size: 0.92rem;
}
.scheduler-info-list li svg {
    flex-shrink: 0;
    color: var(--blue);
}
.scheduler-actions {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}
.scheduler-btn {
    width: 100%;
    justify-content: center;
    padding: 0.7rem 1rem !important;
    font-size: 0.93rem !important;
    gap: 0.5rem;
}

.scheduler-embed {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    min-height: 1100px;
    position: relative;
    box-shadow: var(--shadow-sm);
    transition: min-height 0.25s ease;
}
.scheduler-embed .calendly-inline-widget {
    min-width: 320px;
    width: 100%;
    min-height: 1100px;
    height: 1100px;
    border: none;
    background: var(--white);
    position: relative;
    z-index: 1;
    transition: height 0.25s ease;
}
.scheduler-embed .calendly-inline-widget iframe {
    background: var(--white);
}

/* Calendly's "Powered by Calendly" ribbon and bottom branding bar are now
   shown — Calendly's branding is required by their free-tier terms and the
   site reflects that honestly. */

.scheduler-loading {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    color: var(--gray-500);
    font-size: 0.95rem;
    pointer-events: none;
    z-index: 0;
    background: var(--white);
}
/* Once the Calendly iframe has injected itself, hide the loading state */
.scheduler-embed:has(iframe) .scheduler-loading {
    display: none;
}
.scheduler-spinner {
    width: 36px;
    height: 36px;
    border: 3px solid var(--gray-200);
    border-top-color: var(--blue);
    border-radius: 50%;
    animation: scheduler-spin 0.8s linear infinite;
}
@keyframes scheduler-spin {
    to { transform: rotate(360deg); }
}
.scheduler-noscript {
    padding: 2.5rem;
    text-align: center;
    color: var(--gray-700);
}
.scheduler-noscript a {
    color: var(--blue);
    font-weight: 600;
}

/* Highlight feedback when a card is selected and scheduler scrolls into view */
.service-card.is-active {
    border-color: var(--sky);
    box-shadow: 0 12px 30px rgba(96, 165, 250, 0.2);
    transform: translateY(-2px);
}

/* Responsive scheduler layout */
@media (max-width: 960px) {
    .scheduler-wrap {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    .scheduler-info {
        position: static;
        order: 2;
    }
    .scheduler-embed {
        order: 1;
    }
}
@media (max-width: 600px) {
    .scheduler-section { padding: 3rem 0; }
    .scheduler-embed { min-height: 1080px; }
    .scheduler-embed .calendly-inline-widget {
        min-height: 1080px;
        height: 1080px;
    }
    .scheduler-selected {
        flex-wrap: wrap;
        max-width: 100%;
    }
}

/* ==========================================================================
   Product detail cards (explore-products)
   ========================================================================== */

.product-detail-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 1.5rem;
}
.product-detail {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 2rem;
    display: flex;
    flex-direction: column;
    transition: all var(--transition);
}
.product-detail:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.product-detail .product-icon {
    margin: 0 0 1.25rem;
}
.product-detail h3 { margin-bottom: 0.35rem; }
.product-detail .tag {
    color: var(--gray-500);
    font-size: 0.9rem;
    margin-bottom: 1rem;
}
.product-detail ul {
    list-style: none;
    padding: 0;
    margin-bottom: 1.5rem;
    flex: 1;
}
.product-detail li {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    padding: 0.4rem 0;
    color: var(--gray-700);
    font-size: 0.92rem;
}
.check-bullet {
    display: inline-flex;
    width: 20px; height: 20px;
    background: var(--sky-pale);
    color: var(--navy);
    border-radius: 50%;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 2px;
}

/* ==========================================================================
   About/Contact page layouts
   ========================================================================== */

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 3rem;
    align-items: start;
}
.about-photo {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
    position: sticky;
    top: 100px;
}
.about-photo .team-photo { aspect-ratio: 4/5; }
.about-photo-body {
    padding: 1.25rem;
    border-top: 1px solid var(--gray-100);
    text-align: center;
}
.about-photo-body .name { font-weight: 700; color: var(--navy); font-size: 1.1rem; font-family: var(--font-display); }
.about-photo-body .role { color: var(--blue); font-size: 0.85rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; }

.about-body h2 { margin-bottom: 1rem; }
.about-body p {
    color: var(--gray-700);
    font-size: 1.05rem;
    margin-bottom: 1.25rem;
    line-height: 1.7;
}
.quote-block {
    background: var(--cream);
    border-left: 4px solid var(--blue);
    padding: 1.5rem 1.75rem;
    margin: 1.75rem 0;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    font-style: italic;
    font-weight: 500;
    font-size: 1.15rem;
    color: var(--navy);
    letter-spacing: -0.01em;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 2.5rem;
    align-items: start;
}
.contact-card {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 45%, var(--navy-light) 100%);
    color: var(--white);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}
.contact-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 20% 30%, rgba(147, 197, 253, 0.12) 0%, transparent 50%);
    pointer-events: none;
}
.contact-card h3 {
    color: var(--white);
    margin-bottom: 1.5rem;
    position: relative;
}
.contact-list {
    list-style: none;
    padding: 0;
    position: relative;
}
.contact-list li {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    padding: 0.75rem 0;
}
.contact-list .icon-wrap {
    width: 40px;
    height: 40px;
    background: rgba(147, 197, 253, 0.14);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--sky-light);
    flex-shrink: 0;
}
.contact-list .label {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--sky-light);
    font-weight: 600;
    margin-bottom: 0.15rem;
}
.contact-list .val {
    color: var(--white);
    font-weight: 600;
}
.contact-list .val a { color: var(--white); }
.contact-list .val a:hover { color: var(--sky-light); }

/* ==========================================================================
   Article / prose content (privacy, accessibility)
   ========================================================================== */

.article-content {
    max-width: 760px;
    margin: 0 auto;
}
.article-content h2 {
    font-size: 1.5rem;
    margin-top: 2.5rem;
    margin-bottom: 0.85rem;
}
.article-content h2:first-child { margin-top: 0; }
.article-content p { margin-bottom: 1rem; color: var(--gray-700); }
.article-content ul { margin: 0 0 1rem 1.5rem; color: var(--gray-700); }
.article-content li { margin-bottom: 0.5rem; }
.article-content .notice {
    background: var(--sky-pale);
    border: 1px solid var(--sky);
    padding: 1rem 1.25rem;
    border-radius: var(--radius-md);
    margin-bottom: 2rem;
    font-size: 0.92rem;
    color: var(--navy);
}
.article-content .contact-box {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    padding: 1.25rem 1.5rem;
    border-radius: var(--radius-md);
    margin-top: 1.5rem;
}
.article-content .contact-box .name {
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 0.5rem;
    font-family: var(--font-display);
}

/* ==========================================================================
   Footer
   ========================================================================== */

.footer {
    background: var(--navy-deep);
    color: rgba(255,255,255,0.75);
    padding: 4rem 0 2rem;
    font-size: 0.92rem;
}
.footer .container { position: relative; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
    gap: 3rem;
    margin-bottom: 2.5rem;
}
.footer-brand img {
    height: 60px;
    background: var(--white);
    padding: 0.5rem 0.75rem;
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
    display: block;
}
.footer-brand p {
    font-size: 0.92rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 0.75rem;
    max-width: 280px;
}
.footer-brand .license {
    font-size: 0.82rem;
    color: var(--sky-light);
    font-weight: 600;
}
.footer-col h4 {
    color: var(--white);
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 1rem;
}
.footer-col ul {
    list-style: none;
    padding: 0;
}
.footer-col li { margin-bottom: 0.55rem; }
.footer-col a {
    color: rgba(255,255,255,0.72);
    transition: color var(--transition);
    font-size: 0.92rem;
}
.footer-col a:hover { color: var(--sky-light); }

.footer-contact li {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
    padding: 0.35rem 0;
    margin-bottom: 0 !important;
    color: rgba(255,255,255,0.72);
}
.footer-contact svg {
    color: var(--sky-light);
    flex-shrink: 0;
    margin-top: 0.15rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 1.5rem;
    text-align: center;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.55);
}
.footer-bottom p {
    color: rgba(255,255,255,0.6);
    margin-bottom: 0.75rem;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}
.footer-bottom p:last-child { margin-bottom: 0; }
.recaptcha-notice {
    font-size: 0.78rem !important;
    color: rgba(255,255,255,0.45) !important;
    margin-bottom: 1rem !important;
}
.recaptcha-notice a {
    color: rgba(147, 197, 253, 0.7);
    text-decoration: underline;
}
.recaptcha-notice a:hover {
    color: var(--sky-light);
}

/* Hide the floating reCAPTCHA badge — required notice is shown in footer per Google's terms */
.grecaptcha-badge {
    visibility: hidden !important;
}

/* ==========================================================================
   Image split (two-column photo + text)
   ========================================================================== */

.image-split-section { background: var(--white); }

.image-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3.5rem;
    align-items: center;
}
.image-split-media {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    aspect-ratio: 4 / 3;
}
.image-split-media::after {
    content: '';
    position: absolute;
    top: -12px;
    left: -12px;
    right: 12px;
    bottom: 12px;
    border: 2px solid var(--sky);
    border-radius: calc(var(--radius-lg) + 6px);
    opacity: 0.4;
    z-index: -1;
    pointer-events: none;
}
.image-split-media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.image-split-body .section-eyebrow {
    display: block;
    margin-bottom: 0.5rem;
}
.image-split-body h2 { margin-bottom: 1rem; }
.image-split-body p {
    color: var(--gray-700);
    font-size: 1.05rem;
    margin-bottom: 1.75rem;
    line-height: 1.7;
}

/* ==========================================================================
   Image strip (3 lifestyle photos w/ captions)
   ========================================================================== */

.image-strip-section {
    background: var(--gray-50);
    padding: 4rem 0;
}
.image-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.image-strip-item {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: all var(--transition);
}
.image-strip-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--sky);
}
.image-strip-item img {
    width: 100%;
    aspect-ratio: 14 / 10;
    object-fit: cover;
    display: block;
}
.image-strip-caption {
    padding: 1.25rem 1.5rem 1.5rem;
}
.image-strip-caption h4 {
    color: var(--navy);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 0.4rem;
    letter-spacing: -0.01em;
}
.image-strip-caption p {
    color: var(--gray-500);
    font-size: 0.92rem;
    margin-bottom: 0;
}

/* ==========================================================================
   Real-photo containers (about, team, blog)
   ========================================================================== */

.about-photo-img {
    aspect-ratio: 4 / 5;
    overflow: hidden;
    background: var(--gray-100);
}
.about-photo-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.team-photo-img {
    padding: 0;
    background: var(--gray-100);
}
.team-photo-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.blog-thumb-img {
    padding: 0;
    background: var(--gray-100);
}
.blog-thumb-img::after { display: none; }
.blog-thumb-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    display: block;
}

/* ==========================================================================
   Reveal animation
   ========================================================================== */

.reveal {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.7s cubic-bezier(0.4,0,0.2,1), transform 0.7s cubic-bezier(0.4,0,0.2,1);
}
.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 960px) {
    .hero .container,
    .form-wrapper,
    .about-grid,
    .contact-grid,
    .image-split {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }
    .image-split-media { aspect-ratio: 16 / 10; }
    .image-split-media::after { display: none; }
    .about-photo { position: static; }
    .image-strip {
        grid-template-columns: 1fr 1fr;
    }
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }
    .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
    .topbar .container { justify-content: center; text-align: center; }
    .topbar .tagline { display: none; }

    .header .container {
        padding-top: 0.65rem;
        padding-bottom: 0.65rem;
    }
    .logo img { height: 88px; }

    .menu-toggle { display: block; }
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 85%;
        max-width: 340px;
        height: 100vh;
        height: 100dvh;
        background-color: #ffffff;
        background-image: none;
        flex-direction: column;
        align-items: stretch;
        padding: 5rem 1.25rem 2rem;
        box-shadow: -10px 0 40px rgba(15, 30, 74, 0.25);
        transition: right var(--transition);
        gap: 0.25rem;
        z-index: 300;
        overflow-y: auto;
        isolation: isolate;
        -webkit-backdrop-filter: none;
        backdrop-filter: none;
    }
    .nav.open { right: 0; }
    .nav::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 70px;
        background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
        z-index: 0;
    }
    .nav a {
        padding: 0.95rem 1rem;
        border-radius: var(--radius-md);
        border-bottom: 1px solid var(--gray-100);
        font-size: 1rem;
        font-weight: 500;
        color: var(--navy);
        background: transparent;
        position: relative;
        z-index: 1;
    }
    .nav a:last-of-type { border-bottom: none; }
    .nav a:hover,
    .nav a.active {
        background: var(--sky-pale);
        color: var(--navy);
    }
    .nav a.active::after { display: none; }
    .nav .nav-phone {
        margin: 1.25rem 0 0;
        justify-content: center;
        border-bottom: none;
        color: var(--white) !important;
    }
    .nav .nav-phone:hover { color: var(--white) !important; }

    .nav-overlay {
        display: none;
        position: fixed;
        inset: 0;
        background: rgba(15, 30, 74, 0.6);
        z-index: 250;
    }
    .nav-overlay.show { display: block; }

    .menu-toggle.open {
        position: fixed;
        top: 1.15rem;
        right: 1.25rem;
        z-index: 350;
    }
    .menu-toggle.open span {
        background: var(--white);
    }
    .menu-toggle.open span:nth-child(1) {
        transform: translateY(7px) rotate(45deg);
    }
    .menu-toggle.open span:nth-child(2) { opacity: 0; }
    .menu-toggle.open span:nth-child(3) {
        transform: translateY(-7px) rotate(-45deg);
    }

    section { padding: 3.5rem 0; }
    .hero { padding: 3rem 0 4rem; }
    .form-row { grid-template-columns: 1fr; }
    .image-strip { grid-template-columns: 1fr; gap: 1.25rem; }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    .testimonials-section::before { font-size: 12rem; top: -30px; }
    .step-card { margin-top: 1rem; }
}

@media (max-width: 480px) {
    .container { padding: 0 1rem; }
    .insurance-form { padding: 1.5rem; }
    .contact-card { padding: 1.75rem; }
    .hero-cta .btn { width: 100%; text-align: center; }
}

/* ==========================================================================
   Cookie consent banner + preferences modal
   Tokens reused: --navy, --navy-deep, --blue-bright, --sky-pale, --cream
   Buttons reuse existing .btn / .btn-primary / .btn-ghost from above.
   ========================================================================== */

.cc-banner {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 9000;
    background: #ffffff;
    border-top: 1px solid #E5E7EB;
    box-shadow: 0 -4px 20px rgba(8, 21, 48, 0.12);
    transform: translateY(110%);
    transition: transform 320ms cubic-bezier(.2,.8,.2,1);
}
.cc-banner.cc-visible { transform: translateY(0); }

.cc-banner-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 1.25rem 1.5rem;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 1.5rem;
    align-items: center;
}
.cc-banner-text { min-width: 0; }
.cc-banner-title {
    font-size: 1.05rem;
    font-weight: 700;
    margin: 0 0 0.35rem;
    color: var(--navy, #1B2F6B);
    letter-spacing: -0.015em;
}
.cc-banner-text p {
    margin: 0;
    font-size: 0.92rem;
    line-height: 1.55;
    color: #4B5563;
}
.cc-banner-text p a { color: var(--blue-bright, #4F7BFF); text-decoration: underline; }
.cc-banner-actions {
    display: flex;
    gap: 0.6rem;
    flex-wrap: wrap;
    justify-content: flex-end;
}
.cc-banner-actions .btn {
    padding: 0.6rem 1.1rem;
    font-size: 0.92rem;
    white-space: nowrap;
}

@media (max-width: 800px) {
    .cc-banner-inner { grid-template-columns: 1fr; padding: 1rem; gap: 1rem; }
    .cc-banner-actions { justify-content: stretch; }
    .cc-banner-actions .btn { flex: 1 1 auto; min-width: 0; text-align: center; justify-content: center; }
}

/* ----- Preferences modal ----- */
.cc-modal {
    position: fixed;
    inset: 0;
    z-index: 9100;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1rem;
}
.cc-modal-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(8, 21, 48, 0.55);
    backdrop-filter: blur(2px);
}
.cc-modal-dialog {
    position: relative;
    background: #ffffff;
    border-radius: 14px;
    max-width: 600px;
    width: 100%;
    max-height: 88vh;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: 0 20px 60px rgba(8, 21, 48, 0.4);
}
body.cc-modal-open { overflow: hidden; }

.cc-modal-header {
    padding: 1.25rem 1.5rem;
    border-bottom: 1px solid #E5E7EB;
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.cc-modal-header h2 {
    margin: 0;
    font-size: 1.25rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--navy, #1B2F6B);
}
.cc-modal-close {
    background: transparent;
    border: 0;
    font-size: 1.6rem;
    line-height: 1;
    color: #6B7280;
    cursor: pointer;
    padding: 0.25rem 0.5rem;
    border-radius: 6px;
}
.cc-modal-close:hover { background: #F3F4F6; color: var(--navy, #1B2F6B); }

.cc-modal-body {
    padding: 1.25rem 1.5rem;
    overflow-y: auto;
    flex: 1;
}
.cc-modal-intro {
    margin: 0 0 1.25rem;
    font-size: 0.95rem;
    line-height: 1.55;
    color: #4B5563;
}
.cc-modal-intro a { color: var(--blue-bright, #4F7BFF); text-decoration: underline; }

.cc-category {
    padding: 1rem 0;
    border-top: 1px solid #F3F4F6;
}
.cc-category:first-of-type { border-top: 0; padding-top: 0; }
.cc-category-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    margin-bottom: 0.4rem;
}
.cc-category h3 {
    margin: 0;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy, #1B2F6B);
}
.cc-category p {
    margin: 0;
    font-size: 0.88rem;
    line-height: 1.55;
    color: #6B7280;
}

/* ----- Toggle switch ----- */
.cc-toggle {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
    user-select: none;
    flex-shrink: 0;
}
.cc-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.cc-toggle-slider {
    position: relative;
    width: 40px;
    height: 22px;
    background: #D1D5DB;
    border-radius: 11px;
    transition: background 180ms ease;
}
.cc-toggle-slider::after {
    content: "";
    position: absolute;
    top: 2px;
    left: 2px;
    width: 18px;
    height: 18px;
    background: #ffffff;
    border-radius: 50%;
    transition: transform 180ms ease;
    box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.cc-toggle input:checked + .cc-toggle-slider {
    background: var(--blue-bright, #4F7BFF);
}
.cc-toggle input:checked + .cc-toggle-slider::after {
    transform: translateX(18px);
}
.cc-toggle input:focus-visible + .cc-toggle-slider {
    outline: 2px solid var(--sky, #60A5FA);
    outline-offset: 2px;
}
.cc-toggle-locked .cc-toggle-slider {
    background: var(--navy, #1B2F6B);
    opacity: 0.55;
    cursor: not-allowed;
}
.cc-toggle-label {
    font-size: 0.82rem;
    font-weight: 600;
    color: #6B7280;
    min-width: 60px;
    text-align: right;
}

.cc-modal-footer {
    padding: 1rem 1.5rem;
    border-top: 1px solid #E5E7EB;
    display: flex;
    gap: 0.6rem;
    justify-content: flex-end;
    flex-wrap: wrap;
    background: var(--cream, #F8FAFF);
}
.cc-modal-footer .btn {
    padding: 0.6rem 1.1rem;
    font-size: 0.92rem;
}

@media (max-width: 600px) {
    .cc-modal-footer { justify-content: stretch; }
    .cc-modal-footer .btn { flex: 1 1 auto; text-align: center; justify-content: center; }
    .cc-modal-dialog { max-height: 92vh; }
}

/* Respect reduced-motion preference */
@media (prefers-reduced-motion: reduce) {
    .cc-banner { transition: none; }
    .cc-toggle-slider, .cc-toggle-slider::after { transition: none; }
}

/* =====================================================================
   Language Switcher (EN | ES) — added for bilingual site
   Lives inline inside .topbar next to the phone number.
   ===================================================================== */
.topbar .lang-switch {
    display: inline-flex;
    align-items: center;
    margin-left: 0.85rem;
    font-size: 0.78rem;
    line-height: 1;
}
.topbar .lang-switch a {
    color: inherit;
    opacity: 0.7;
    text-decoration: none;
    padding: 0 0.15rem;
    transition: opacity 0.15s ease;
}
.topbar .lang-switch a:hover {
    opacity: 1;
    text-decoration: none;
}
.topbar .lang-switch a.lang-active {
    opacity: 1;
    font-weight: 600;
    cursor: default;
}
.topbar .lang-switch .lang-sep {
    margin: 0 0.25rem;
    opacity: 0.4;
}