/* ============================================================
   NJ Contractors Insurance Center — site shell
   Built on Crazy Rich Agents design tokens (tokens.css)
   ============================================================ */

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

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font-sans);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { display: block; max-width: 100%; }

/* Make Montserrat headings feel right for an editorial-trade site */
h1 { font-size: clamp(40px, 5.2vw, 72px); letter-spacing: -0.025em; }
h2 { font-size: clamp(28px, 3vw, 42px); }
h3 { font-size: clamp(20px, 1.6vw, 26px); }

/* ---- Layout primitives ---- */
.wrap {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 var(--s-6);
}
.wrap-narrow {
  width: 100%;
  max-width: 880px;
  margin: 0 auto;
  padding: 0 var(--s-6);
}

section { padding: clamp(56px, 7vw, 96px) 0; }
section.snug { padding: clamp(36px, 4.5vw, 56px) 0; }

.grid { display: grid; gap: var(--s-6); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

.row { display: flex; gap: var(--s-4); align-items: center; flex-wrap: wrap; }
.stack { display: flex; flex-direction: column; gap: var(--s-4); }
.stack-lg { display: flex; flex-direction: column; gap: var(--s-8); }
.stack-sm { display: flex; flex-direction: column; gap: var(--s-2); }

.muted { color: var(--fg-muted); }
.serif-italic { font-family: var(--font-serif); font-style: italic; color: var(--navy); }

/* ---- Eyebrow / kicker ---- */
.eyebrow {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg-muted);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 2px;
  background: var(--orange);
  display: inline-block;
}
.eyebrow.on-dark { color: rgba(255,255,255,0.72); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  padding: 14px 22px;
  border-radius: var(--r-md);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background var(--dur-base) var(--ease-standard),
              color var(--dur-base) var(--ease-standard),
              border-color var(--dur-base) var(--ease-standard),
              box-shadow var(--dur-base) var(--ease-standard);
  white-space: nowrap;
}
.btn-primary {
  background: var(--orange);
  color: var(--white);
  box-shadow: var(--shadow-orange);
}
.btn-primary:hover { background: var(--orange-hover); color: var(--white); }

.btn-ghost-dark {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.24);
}
.btn-ghost-dark:hover { background: rgba(255,255,255,0.08); color: var(--white); }

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--gray-100);
}
.btn-ghost:hover { background: var(--gray-50); color: var(--navy); }

.btn-text {
  background: transparent;
  color: var(--navy);
  padding: 0;
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: 0;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.btn-text::after {
  content: "→";
  transition: transform var(--dur-base) var(--ease-standard);
}
.btn-text:hover { color: var(--orange); }
.btn-text:hover::after { transform: translateX(3px); }

.btn-sm { padding: 9px 14px; font-size: 13px; }
.btn-lg { padding: 18px 28px; font-size: 16px; }

/* ---- Top nav ---- */
.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.8);
  font-family: var(--font-sans);
  font-size: 13px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.topbar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
}
.topbar a { color: rgba(255,255,255,0.85); text-decoration: none; }
.topbar a:hover { color: var(--orange-light); }
.topbar .topbar-left { display: flex; gap: var(--s-6); align-items: center; }
.topbar .topbar-right { display: flex; gap: var(--s-5); align-items: center; }
.topbar-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--orange); display: inline-block; }

.nav {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy-deep);
}
.brand-mark {
  width: 42px;
  height: 42px;
  background: var(--navy-deep);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  color: var(--orange);
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 20px;
  letter-spacing: -0.04em;
  flex-shrink: 0;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.brand-name {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 16px;
  letter-spacing: -0.01em;
  color: var(--navy-deep);
  white-space: nowrap;
}
.brand-tag {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 12.5px;
  color: var(--gray-600);
  margin-top: 4px;
}

.nav-links {
  display: flex;
  gap: 2px;
  align-items: center;
}
.nav-item { position: relative; }
.nav-links a {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  color: var(--gray-800);
  text-decoration: none;
  padding: 8px 10px;
  border-radius: var(--r-sm);
  white-space: nowrap;
  transition: color var(--dur-fast) var(--ease-standard), background var(--dur-fast) var(--ease-standard);
}
.nav-top { display: inline-flex; align-items: center; gap: 5px; }
.nav-top .caret { font-size: 9px; opacity: 0.5; transition: transform var(--dur-fast) var(--ease-standard); }
.nav-links a:hover { color: var(--navy-deep); background: var(--gray-50); }
.nav-links a.active { color: var(--orange); }

/* Dropdowns */
.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  padding-top: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--dur-base) var(--ease-standard), transform var(--dur-base) var(--ease-standard), visibility var(--dur-base);
  z-index: 60;
}
.dropdown-inner {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.dropdown-inner a {
  font-size: 14px;
  font-weight: 600;
  padding: 9px 12px;
  border-radius: var(--r-sm);
  color: var(--gray-800);
}
.dropdown-inner a:hover { background: var(--off-white); color: var(--navy-deep); }
.dropdown-inner a.active { color: var(--orange); }
.nav-item.has-dropdown:hover .dropdown,
.nav-item.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-item.has-dropdown:hover .nav-top .caret { transform: rotate(180deg); }

/* Mobile menu */
.nav-toggle {
  display: none;
  background: var(--navy-deep);
  color: var(--white);
  border: none;
  width: 42px; height: 42px;
  border-radius: var(--r-md);
  font-size: 18px;
  cursor: pointer;
}
.mobile-menu {
  display: none;
  flex-direction: column;
  padding: var(--s-4) var(--s-6) var(--s-6);
  border-top: 1px solid var(--gray-100);
  background: var(--white);
  gap: 4px;
}
.mobile-menu.open { display: flex; }
.mm-group { display: flex; flex-direction: column; padding: 8px 0; border-bottom: 1px solid var(--gray-100); }
.mm-top { font-family: var(--font-display); font-weight: 700; font-size: 16px; color: var(--navy-deep); text-decoration: none; padding: 6px 0; }
.mm-kids { display: flex; flex-direction: column; padding-left: 12px; }
.mm-kids a { font-size: 14px; color: var(--gray-600); text-decoration: none; padding: 5px 0; }
.mm-kids a:hover { color: var(--orange); }

@media (max-width: 1100px) {
  .nav-links { display: none; }
  .nav-cta .phone { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
}

.phone {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy-deep);
  text-decoration: none;
  font-size: 14px;
}
.phone span { color: var(--fg-muted); font-weight: 500; }

/* ---- Hero (dark navy) ---- */
.hero {
  background: var(--navy-deep);
  color: var(--white);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(900px 540px at 88% -10%, rgba(74,142,194,0.22), transparent 60%),
    radial-gradient(700px 400px at 10% 110%, rgba(232,133,61,0.10), transparent 60%);
  pointer-events: none;
}
.hero > * { position: relative; }
.hero h1 {
  color: var(--white);
  font-size: clamp(40px, 5.6vw, 76px);
  font-weight: 900;
  line-height: 1.02;
  letter-spacing: -0.028em;
}
.hero h1 .accent { color: var(--orange); }
.hero h1 em {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 500;
  color: rgba(255,255,255,0.92);
  letter-spacing: -0.015em;
}
.hero .subhead {
  font-size: 18px;
  color: rgba(255,255,255,0.78);
  line-height: 1.55;
  max-width: 620px;
}
.hero .hero-cta { display: flex; gap: var(--s-3); flex-wrap: wrap; align-items: center; }
.hero .video-link {
  color: rgba(255,255,255,0.78);
  text-decoration: none;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.hero .video-link:hover { color: var(--white); }
.hero .video-link .play {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,0.10);
  display: grid;
  place-items: center;
  color: var(--orange);
  font-size: 12px;
  border: 1px solid rgba(255,255,255,0.18);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--s-12);
  align-items: center;
  padding-top: clamp(56px, 7vw, 96px);
  padding-bottom: clamp(56px, 7vw, 96px);
}
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: var(--s-8); }
}

/* ---- Video placeholder (Jeff) ---- */
.video-placeholder {
  position: relative;
  background: var(--navy-dark);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-lg);
  aspect-ratio: 16/10;
  overflow: hidden;
  display: grid;
  place-items: center;
  color: rgba(255,255,255,0.7);
}
.video-placeholder::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(232,133,61,0.04), rgba(74,142,194,0.06)),
    repeating-linear-gradient(
      135deg,
      rgba(255,255,255,0.02) 0,
      rgba(255,255,255,0.02) 2px,
      transparent 2px,
      transparent 12px
    );
}
.video-placeholder .play-btn {
  width: 78px;
  height: 78px;
  border-radius: 50%;
  background: var(--orange);
  color: var(--white);
  display: grid;
  place-items: center;
  font-size: 28px;
  z-index: 2;
  box-shadow: var(--shadow-orange);
  cursor: pointer;
  border: none;
  font-family: inherit;
}
.video-placeholder .play-btn::before { content: "▶"; margin-left: 4px; }
.video-placeholder .caption {
  position: absolute;
  left: 16px;
  right: 16px;
  bottom: 16px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  display: flex;
  justify-content: space-between;
  gap: var(--s-4);
  z-index: 2;
}
.video-placeholder .caption .meta {
  background: rgba(13,31,48,0.6);
  border: 1px solid rgba(255,255,255,0.10);
  padding: 6px 10px;
  border-radius: var(--r-sm);
  color: rgba(255,255,255,0.78);
}
.video-placeholder .top-bar {
  position: absolute;
  top: 16px;
  left: 16px;
  right: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  z-index: 2;
}
.video-placeholder .top-bar .dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--orange);
  display: inline-block; margin-right: 8px;
  box-shadow: 0 0 0 4px rgba(232,133,61,0.20);
}
.video-placeholder .live {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
}
.video-placeholder .placeholder-note {
  background: rgba(13,31,48,0.55);
  border: 1px dashed rgba(255,255,255,0.20);
  border-radius: var(--r-sm);
  padding: 6px 10px;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0;
  color: rgba(255,255,255,0.7);
  text-transform: none;
}

/* ---- Hero stat shelf ---- */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, minmax(0,1fr));
  border-top: 1px solid rgba(255,255,255,0.08);
}
.hero-stats > div {
  padding: 28px var(--s-5);
  border-right: 1px solid rgba(255,255,255,0.08);
  color: var(--white);
}
.hero-stats > div:last-child { border-right: none; }
.hero-stats .n {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 36px;
  letter-spacing: -0.02em;
  color: var(--white);
  line-height: 1;
}
.hero-stats .n .unit { color: var(--orange); font-size: 0.7em; margin-left: 2px; }
.hero-stats .lbl {
  margin-top: 10px;
  font-size: 13px;
  color: rgba(255,255,255,0.7);
  line-height: 1.4;
}
@media (max-width: 760px) {
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .hero-stats > div:nth-child(2) { border-right: none; }
  .hero-stats > div:nth-child(1),
  .hero-stats > div:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,0.08); }
}

/* ---- Trust strip ---- */
.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  padding: var(--s-6) 0;
}
.trust-strip .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-8);
  flex-wrap: wrap;
}
.trust-strip .since {
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--gray-600);
  font-size: 14px;
}
.carrier-list {
  display: flex;
  gap: var(--s-6);
  flex-wrap: wrap;
  align-items: center;
}
.carrier {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 13px;
  color: var(--gray-600);
  letter-spacing: 0.04em;
  padding: 6px 14px;
  border: 1px solid var(--gray-100);
  border-radius: var(--r-sm);
  background: var(--white);
  text-transform: uppercase;
}

/* ---- Cards ---- */
.card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-lg);
  padding: var(--s-8);
  transition: box-shadow var(--dur-base) var(--ease-standard),
              transform var(--dur-base) var(--ease-standard);
}
.card.flat { box-shadow: none; }
.card-clickable { cursor: pointer; text-decoration: none; color: inherit; display: block; }
.card-clickable:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.card .card-num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 12px;
  color: var(--orange);
  letter-spacing: 0.08em;
}
.card h3 { margin-bottom: 8px; }
.card .card-body { color: var(--fg-muted); font-size: 15px; line-height: 1.6; margin-top: 8px; }
.card .card-foot { margin-top: var(--s-6); }
.card .cross-sell {
  margin-top: var(--s-5);
  padding-top: var(--s-4);
  border-top: 1px solid var(--gray-100);
  font-size: 12.5px;
  color: var(--fg-subtle);
  line-height: 1.55;
}
.card .cross-sell a { color: var(--navy); text-decoration: none; border-bottom: 1px dotted var(--gray-400); }
.card .cross-sell a:hover { color: var(--orange); border-color: var(--orange); }

.card-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r-md);
  background: var(--orange-pale);
  color: var(--orange);
  display: grid;
  place-items: center;
  margin-bottom: var(--s-5);
}
.card-icon svg { width: 22px; height: 22px; }

/* coverage card variant */
.cov-card {
  padding: var(--s-8);
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-lg);
  display: flex;
  flex-direction: column;
  height: 100%;
  text-decoration: none;
  color: inherit;
  transition: box-shadow var(--dur-base) var(--ease-standard),
              transform var(--dur-base) var(--ease-standard);
}
.cov-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); color: inherit; }
.cov-card .cov-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: var(--s-4);
}
.cov-card .cov-num {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 22px;
  color: var(--gray-400);
  letter-spacing: -0.02em;
}
.cov-card h3 {
  font-size: 22px;
  margin-bottom: 10px;
}
.cov-card p { color: var(--fg-muted); font-size: 14.5px; line-height: 1.6; flex-grow: 1; }
.cov-card .cov-foot {
  margin-top: var(--s-5);
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: var(--s-4);
  border-top: 1px solid var(--gray-100);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 13px;
  color: var(--navy);
}
.cov-card .cov-foot .arrow {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--gray-50);
  display: grid; place-items: center;
  color: var(--navy);
  transition: background var(--dur-base) var(--ease-standard), color var(--dur-base) var(--ease-standard);
}
.cov-card:hover .cov-foot .arrow { background: var(--orange); color: var(--white); }

/* ---- Section heads ---- */
.section-head {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: var(--s-8);
  align-items: end;
  margin-bottom: var(--s-10);
}
.section-head h2 { max-width: 720px; }
.section-head .lede {
  color: var(--fg-muted);
  font-size: 16px;
  line-height: 1.55;
  max-width: 420px;
}
@media (max-width: 800px) {
  .section-head { grid-template-columns: 1fr; }
}

/* ---- Trade tile ---- */
.trade-tile {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-md);
  padding: 20px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: border-color var(--dur-base) var(--ease-standard),
              transform var(--dur-base) var(--ease-standard),
              box-shadow var(--dur-base) var(--ease-standard);
  position: relative;
}
.trade-tile:hover {
  border-color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
  color: inherit;
}
.trade-tile .tt-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 16px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.trade-tile .tt-desc { font-size: 13px; color: var(--fg-muted); line-height: 1.45; }
.trade-tile .tt-go {
  position: absolute;
  top: 16px;
  right: 16px;
  color: var(--gray-400);
  font-size: 16px;
  transition: color var(--dur-fast) var(--ease-standard);
}
.trade-tile:hover .tt-go { color: var(--orange); }
.trade-tile.harder .tt-name::after {
  content: "·";
  color: var(--orange);
  margin-left: 8px;
}

/* ---- Pull quote ---- */
.pullquote {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(22px, 2.4vw, 32px);
  line-height: 1.35;
  color: var(--navy-deep);
  max-width: 820px;
}
.pullquote .attrib {
  display: block;
  margin-top: var(--s-5);
  font-family: var(--font-display);
  font-style: normal;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--fg-muted);
}

/* ---- Differentiator strip (alternating bg) ---- */
.alt-bg { background: var(--white); border-top: 1px solid var(--gray-100); border-bottom: 1px solid var(--gray-100); }
.dark-bg { background: var(--navy-deep); color: var(--white); }
.dark-bg h2, .dark-bg h3 { color: var(--white); }
.dark-bg p { color: rgba(255,255,255,0.78); }
.dark-bg .muted { color: rgba(255,255,255,0.6); }

/* ---- FAQ accordion ---- */
.faq {
  border-top: 1px solid var(--gray-100);
}
.faq details {
  border-bottom: 1px solid var(--gray-100);
  padding: 22px 0;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--s-5);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  color: var(--navy-deep);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  font-size: 24px;
  font-weight: 400;
  color: var(--orange);
  width: 32px; height: 32px;
  border: 1px solid var(--gray-100);
  border-radius: 50%;
  display: grid; place-items: center;
  flex-shrink: 0;
  transition: transform var(--dur-base) var(--ease-standard);
}
.faq details[open] summary::after { content: "−"; }
.faq .faq-body {
  margin-top: 12px;
  color: var(--fg-muted);
  font-size: 15.5px;
  line-height: 1.65;
  max-width: 760px;
}

/* ---- Big closing CTA ---- */
.cta-band {
  background: var(--navy-deep);
  color: var(--white);
  padding: clamp(56px, 7vw, 96px) 0;
  position: relative;
  overflow: hidden;
}
.cta-band::after {
  content: "";
  position: absolute;
  right: -100px;
  top: -120px;
  width: 480px;
  height: 480px;
  background: radial-gradient(closest-side, rgba(232,133,61,0.12), transparent 70%);
  pointer-events: none;
}
.cta-band h2 {
  color: var(--white);
  font-size: clamp(32px, 4vw, 56px);
  max-width: 880px;
}
.cta-band h2 em {
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--orange);
  font-weight: 500;
}
.cta-band p { color: rgba(255,255,255,0.78); max-width: 680px; font-size: 17px; line-height: 1.6; }
.cta-band .row { margin-top: var(--s-6); }

/* ---- Footer ---- */
.footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.7);
  padding: var(--s-16) 0 var(--s-8);
  border-top: 1px solid rgba(255,255,255,0.04);
}
.footer .f-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--s-10);
}
@media (max-width: 800px) {
  .footer .f-grid { grid-template-columns: 1fr 1fr; }
}
.footer h4 {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 0 0 var(--s-4);
}
.footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer a { color: rgba(255,255,255,0.75); text-decoration: none; font-size: 14px; }
.footer a:hover { color: var(--orange-light); }
.footer .f-brand .brand-name { color: var(--white); font-size: 18px; white-space: normal; }
.footer .f-brand .brand-tag { color: rgba(255,255,255,0.6); }
.footer .f-addr { font-size: 14px; line-height: 1.65; color: rgba(255,255,255,0.7); }
.footer .f-bottom {
  margin-top: var(--s-12);
  padding-top: var(--s-6);
  border-top: 1px solid rgba(255,255,255,0.10);
  display: flex;
  justify-content: space-between;
  gap: var(--s-6);
  flex-wrap: wrap;
  font-size: 12.5px;
  color: rgba(255,255,255,0.55);
}
.footer .compliance {
  margin-top: var(--s-6);
  padding: var(--s-5);
  background: rgba(0,0,0,0.20);
  border-left: 2px solid var(--orange);
  font-size: 12.5px;
  line-height: 1.6;
  color: rgba(255,255,255,0.65);
  font-style: italic;
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
}

/* ---- Page header (non-homepage) ---- */
.page-header {
  background: var(--navy-deep);
  color: var(--white);
  padding: clamp(64px, 7vw, 112px) 0 clamp(48px, 5vw, 80px);
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(700px 360px at 85% -10%, rgba(74,142,194,0.18), transparent 60%);
}
.page-header > * { position: relative; }
.page-header h1 {
  color: var(--white);
  font-size: clamp(36px, 4.5vw, 62px);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.025em;
  max-width: 900px;
}
.page-header h1 em {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
}
.page-header .subhead {
  color: rgba(255,255,255,0.78);
  font-size: 18px;
  line-height: 1.55;
  max-width: 720px;
  margin-top: var(--s-5);
}
.page-header .breadcrumb {
  color: rgba(255,255,255,0.55);
  font-family: var(--font-display);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: var(--s-5);
}
.page-header .breadcrumb a { color: rgba(255,255,255,0.7); text-decoration: none; }
.page-header .breadcrumb a:hover { color: var(--white); }
.page-header .breadcrumb .sep { margin: 0 8px; opacity: 0.4; }

/* ---- Prose (long-form pages) ---- */
.prose { color: var(--fg); }
.prose p { font-size: 16.5px; line-height: 1.7; color: var(--gray-800); margin: 0 0 18px; }
.prose p strong { color: var(--navy-deep); }
.prose h2 { margin-top: var(--s-12); margin-bottom: var(--s-5); }
.prose h3 { margin-top: var(--s-10); margin-bottom: var(--s-3); }
.prose ul { padding-left: 20px; margin: 0 0 22px; }
.prose ul li {
  font-size: 16px;
  line-height: 1.7;
  color: var(--gray-800);
  padding-left: 6px;
  margin-bottom: 8px;
}
.prose ul li::marker { color: var(--orange); }
.prose blockquote {
  margin: var(--s-8) 0;
  padding-left: var(--s-6);
  border-left: 3px solid var(--orange);
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 20px;
  line-height: 1.5;
  color: var(--navy-deep);
}

/* ---- Two-column long-form layout ---- */
.col-layout {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: var(--s-12);
  align-items: start;
}
@media (max-width: 900px) {
  .col-layout { grid-template-columns: 1fr; }
}
.sidekick {
  position: sticky;
  top: 100px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-lg);
  padding: var(--s-6);
}
.sidekick h4 {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--fg-muted);
  margin: 0 0 var(--s-3);
}
.sidekick ul { list-style: none; padding: 0; margin: 0 0 var(--s-5); display: flex; flex-direction: column; gap: 8px; }
.sidekick ul a {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
}
.sidekick ul a::before { content: "·"; color: var(--orange); font-weight: 900; font-size: 22px; line-height: 0; }
.sidekick ul a:hover { color: var(--orange); }

/* ---- Stat tiles ---- */
.stat-tile {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-lg);
  padding: var(--s-6);
  position: relative;
}
.stat-tile .n {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 44px;
  letter-spacing: -0.02em;
  color: var(--navy-deep);
  line-height: 1;
}
.stat-tile .lbl {
  font-size: 14px;
  color: var(--fg-muted);
  margin-top: 12px;
  line-height: 1.5;
}
.stat-tile::before {
  content: "";
  position: absolute;
  left: var(--s-6);
  top: calc(var(--s-6) + 56px);
  width: 28px;
  height: 4px;
  background: var(--orange);
  border-radius: 2px;
}

/* ---- Marker callout (placeholder / spec note) ---- */
.spec-note {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--orange-pale);
  border: 1px dashed var(--orange);
  color: var(--orange-hover);
  padding: 6px 12px;
  border-radius: var(--r-pill);
  font-family: var(--font-mono);
  font-size: 11.5px;
  letter-spacing: 0;
}
.spec-note::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--orange);
}

/* ---- Pills / badges ---- */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gray-50);
  color: var(--gray-800);
  padding: 5px 11px;
  border-radius: var(--r-pill);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.02em;
}
.pill.navy { background: var(--navy-deep); color: var(--white); }
.pill.orange { background: var(--orange-pale); color: var(--orange-hover); }
.pill.blue { background: var(--blue-pale); color: var(--navy); }

/* ---- Cross-link block ---- */
.related-band {
  background: var(--white);
  border-top: 1px solid var(--gray-100);
  padding: var(--s-12) 0;
}
.related-band h3 {
  font-size: 18px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--fg-muted);
  margin-bottom: var(--s-6);
}
.related-band ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-4);
}
@media (max-width: 800px) { .related-band ul { grid-template-columns: 1fr; } }
.related-band a {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  color: var(--navy-deep);
  text-decoration: none;
  display: flex;
  justify-content: space-between;
  padding: var(--s-4) 0;
  border-top: 1px solid var(--gray-100);
}
.related-band a:hover { color: var(--orange); }
.related-band a::after { content: "→"; color: var(--orange); }

/* ---- Forms (intake) ---- */
.field { display: flex; flex-direction: column; gap: 6px; }
.field label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13px;
  color: var(--navy-deep);
  letter-spacing: 0.01em;
}
.field .req { color: var(--orange); margin-left: 4px; }
.field .hint { font-size: 12.5px; color: var(--fg-muted); margin-top: 2px; }
.field input[type="text"],
.field input[type="number"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="date"],
.field select,
.field textarea {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-md);
  padding: 12px 14px;
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--navy-deep);
  transition: border-color var(--dur-base) var(--ease-standard),
              box-shadow var(--dur-base) var(--ease-standard);
  width: 100%;
}
.field textarea { min-height: 96px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(74,142,194,0.18);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-4); }
.field-row-3 { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: var(--s-4); }
@media (max-width: 600px) { .field-row, .field-row-3 { grid-template-columns: 1fr; } }

.check-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
@media (max-width: 600px) { .check-grid { grid-template-columns: 1fr; } }
.check-card {
  border: 1px solid var(--gray-100);
  border-radius: var(--r-md);
  padding: 14px 16px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  cursor: pointer;
  transition: border-color var(--dur-base) var(--ease-standard),
              background var(--dur-base) var(--ease-standard);
}
.check-card:hover { border-color: var(--navy); background: var(--gray-50); }
.check-card.checked { border-color: var(--orange); background: var(--orange-pale); }
.check-card input { margin-top: 4px; accent-color: var(--orange); }
.check-card .cc-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  color: var(--navy-deep);
}
.check-card .cc-sub { font-size: 12.5px; color: var(--fg-muted); margin-top: 2px; line-height: 1.4; }

/* Stepper */
.stepper {
  display: flex;
  gap: 4px;
  align-items: center;
  margin-bottom: var(--s-8);
  flex-wrap: wrap;
}
.step {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border-radius: var(--r-pill);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12.5px;
  color: var(--fg-subtle);
  background: var(--gray-50);
}
.step .step-n {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--white);
  display: grid; place-items: center;
  font-size: 11px;
  font-weight: 700;
  color: var(--fg-subtle);
  border: 1px solid var(--gray-100);
}
.step.active { background: var(--navy-deep); color: var(--white); }
.step.active .step-n { background: var(--orange); color: var(--white); border-color: var(--orange); }
.step.done { color: var(--navy); background: var(--orange-pale); }
.step.done .step-n { background: var(--orange); color: var(--white); border-color: var(--orange); }

/* Territory matrix */
.territory-matrix {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}
@media (max-width: 700px) { .territory-matrix { grid-template-columns: 1fr 1fr; } }
.county-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border: 1px solid var(--gray-100);
  border-radius: var(--r-sm);
  padding: 8px 12px;
  background: var(--white);
}
.county-row .nm {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13px;
  color: var(--navy-deep);
}
.county-row input {
  width: 56px;
  padding: 4px 6px;
  border: 1px solid var(--gray-100);
  border-radius: var(--r-sm);
  font-family: var(--font-mono);
  font-size: 13px;
  text-align: right;
}
.county-row input:focus { outline: none; border-color: var(--blue); }
.county-row .pct { font-size: 12px; color: var(--fg-subtle); margin-left: 4px; }
.county-row.deprio { background: rgba(232,133,61,0.04); border-color: rgba(232,133,61,0.3); }

/* ---- Quote progress bar ---- */
.q-progress {
  height: 4px;
  background: var(--gray-100);
  border-radius: var(--r-pill);
  overflow: hidden;
  margin-top: var(--s-4);
}
.q-progress .q-fill {
  height: 100%;
  background: var(--orange);
  transition: width var(--dur-slow) var(--ease-standard);
}

/* Utility */
.u-mt-0 { margin-top: 0 !important; }
.u-mt-4 { margin-top: var(--s-4); }
.u-mt-6 { margin-top: var(--s-6); }
.u-mt-8 { margin-top: var(--s-8); }
.u-mt-10 { margin-top: var(--s-10); }
.u-mt-12 { margin-top: var(--s-12); }
.u-mb-0 { margin-bottom: 0; }
.u-tac { text-align: center; }
.u-flex-1 { flex: 1; }
.u-hide-sm { display: initial; }
@media (max-width: 600px) { .u-hide-sm { display: none; } }

/* anchor offset */
[id] { scroll-margin-top: 90px; }

/* ---- Carrier emergency-contact table ---- */
.carrier-table-wrap { overflow-x: auto; border: 1px solid var(--gray-100); border-radius: var(--r-lg); background: var(--white); }
table.carrier-table { width: 100%; border-collapse: collapse; min-width: 640px; }
table.carrier-table th, table.carrier-table td { text-align: left; padding: 14px 20px; border-bottom: 1px solid var(--gray-100); font-size: 14.5px; }
table.carrier-table thead th {
  font-family: var(--font-display); font-weight: 700; font-size: 12px;
  letter-spacing: 0.08em; text-transform: uppercase; color: var(--fg-muted);
  background: var(--gray-50);
}
table.carrier-table tbody tr:last-child td { border-bottom: none; }
table.carrier-table tbody tr:hover { background: var(--off-white); }
table.carrier-table .c-name { font-family: var(--font-display); font-weight: 700; color: var(--navy-deep); }
table.carrier-table a { color: var(--navy); text-decoration: none; font-weight: 600; }
table.carrier-table a:hover { color: var(--orange); }
table.carrier-table .c-portal { color: var(--fg-muted); font-size: 13px; }

/* ---- Cookie notice ---- */
.cookie-notice {
  position: fixed;
  bottom: 16px; left: 16px; right: 16px;
  max-width: 720px;
  margin: 0 auto;
  background: var(--navy-deep);
  color: rgba(255,255,255,0.85);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xl);
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: var(--s-5);
  font-size: 13.5px;
  line-height: 1.5;
  z-index: 200;
  transform: translateY(0);
  transition: transform var(--dur-base) var(--ease-standard), opacity var(--dur-base) var(--ease-standard);
}
.cookie-notice.hide { transform: translateY(140%); opacity: 0; pointer-events: none; }
.cookie-notice a { color: var(--orange-light); text-decoration: none; }
.cookie-notice a:hover { text-decoration: underline; }
.cookie-notice .ck-actions { display: flex; gap: 8px; flex-shrink: 0; }
.cookie-notice button {
  font-family: var(--font-display); font-weight: 700; font-size: 13px;
  border-radius: var(--r-md); padding: 9px 16px; cursor: pointer; border: 1px solid transparent;
  white-space: nowrap;
}
.cookie-notice .ck-ok { background: var(--orange); color: var(--white); }
.cookie-notice .ck-ok:hover { background: var(--orange-hover); }
@media (max-width: 560px) {
  .cookie-notice { flex-direction: column; align-items: stretch; text-align: left; }
  .cookie-notice .ck-actions { justify-content: flex-end; }
}

.brand-logo{height:46px;width:auto;display:block;flex-shrink:0}
.footer .brand-logo-footer{height:40px}
@media (max-width:640px){.brand-logo{height:38px}}

/* scroll reveal — prescribed soft slide-up, one-shot, reduced-motion-safe */
.reveal{opacity:0;transform:translateY(16px);transition:opacity var(--dur-slow) var(--ease-out),transform var(--dur-slow) var(--ease-out);will-change:opacity,transform}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* carrier auto-scroll marquee — DS Motion & Interaction 01 */
.carrier-mq{overflow:hidden;position:relative;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.carrier-mq .carrier-list{flex-wrap:nowrap;width:max-content;align-items:center;animation:carrier-marquee 48s linear infinite}
.carrier-mq:hover .carrier-list{animation-play-state:paused}
@keyframes carrier-marquee{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.carrier-mq{-webkit-mask-image:none;mask-image:none}.carrier-mq .carrier-list{animation:none;flex-wrap:wrap;width:auto;justify-content:center}}

/* DS Motion & Interaction — 04 condensing header + 05 accordion */
@media (prefers-reduced-motion:no-preference){
.nav{transition:box-shadow var(--dur-base) var(--ease-standard)}
.nav .wrap{transition:padding-top var(--dur-base) var(--ease-standard),padding-bottom var(--dur-base) var(--ease-standard)}
.nav .brand-logo{transition:height var(--dur-base) var(--ease-standard)}
.faq .faq-body{transition:height var(--dur-slow) var(--ease-standard)}
}
.nav.scrolled{box-shadow:0 6px 18px rgba(13,31,48,0.10)}
.nav.scrolled .wrap{padding-top:8px;padding-bottom:8px}
.nav.scrolled .brand-logo{height:38px}
.faq .faq-body{margin-top:0;padding-top:12px;overflow:hidden;box-sizing:border-box}

/* contrast fix — serif-italic emphasis on dark surfaces must not be navy-on-navy */
.hero .serif-italic,.cta-band .serif-italic,.page-header .serif-italic,.dark-bg .serif-italic{color:var(--orange)}

/* full-width hero image band under page-header */
.hero-band{width:100%;background:var(--navy-deep);line-height:0}
.hero-band img{display:block;width:100%;height:auto;max-height:520px;object-fit:cover;object-position:center 40%}
@media(max-width:640px){.hero-band img{max-height:300px}}

/* coverage context lead image */
.cov-figure{margin:0 0 var(--s-8);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--gray-100);line-height:0}
.cov-figure img{display:block;width:100%;height:auto}
/* hero video poster backdrop */
.video-placeholder.has-poster{background-size:cover;background-position:center;position:relative}
.video-placeholder.has-poster > *{z-index:1}
.video-placeholder.has-poster > .play-btn{position:relative}
.video-placeholder .caption > span:first-child{background:rgba(13,31,48,0.6);border:1px solid rgba(255,255,255,0.10);padding:6px 10px;border-radius:var(--r-sm);color:rgba(255,255,255,0.85)}

.footer .f-license { display:inline-block; margin-top:8px; font-size:12.5px; line-height:1.5; color:rgba(255,255,255,0.55); }
.footer .f-descriptor { margin-top:var(--s-8); padding-top:var(--s-5); border-top:1px solid rgba(255,255,255,0.08); font-size:13px; line-height:1.6; color:rgba(255,255,255,0.62); max-width:820px; }

.footer .f-crc-link { display:inline-block; margin-top:12px; font-size:13px; font-weight:600; color:var(--orange-light); text-decoration:none; }
.footer .f-crc-link:hover { text-decoration:underline; }

.video-placeholder .v-logo-cap{position:absolute;top:0;right:0;z-index:5;display:flex;align-items:center;justify-content:center;width:78px;height:62px;background:var(--navy-deep);border-bottom-left-radius:var(--r-md);cursor:default}
.video-placeholder .v-logo-cap img{width:44px;height:auto;display:block}

.video-placeholder .caption{flex-wrap:wrap}
.video-placeholder .live{background:rgba(13,31,48,0.6);border:1px solid rgba(255,255,255,0.10);padding:6px 10px;border-radius:999px;color:rgba(255,255,255,0.9)}

.video-placeholder.has-poster .caption{display:none}
.video-placeholder.has-poster::before{background:rgba(13,31,48,0.34);transition:background var(--dur-base,200ms) var(--ease,cubic-bezier(0.2,0,0,1))}
.video-placeholder.has-poster:hover::before{background:rgba(13,31,48,0.22)}
.video-placeholder.has-poster .play-btn{position:relative;z-index:3;left:auto;bottom:auto;margin:0}