/* =========================================================
   HOMETOWN INSURANCE AGENCY — Design System
   Editorial, trustworthy, refined.
   ========================================================= */

:root {
  /* Colors — soft black + brand red */
  --navy-900: #0E0E10;   /* primary soft black — used on dark hero, footer, headings */
  --navy-800: #161618;   /* slightly lifted black */
  --navy-700: #1F1F22;
  --navy-600: #2A2A2E;
  --navy-100: #E8E8EA;   /* very light tint of black for borders */

  --red-600: #D9261C;
  --red-500: #E03127;
  --red-400: #E84A41;
  --red-50: #FCEBEA;

  --cream-100: #FAF6EE;
  --cream-200: #F2EBDE;

  --ink-900: #0E0E10;    /* match soft black for body headings */
  --ink-700: #2A2A2E;
  --ink-500: #5A5A60;
  --ink-300: #A0A0A8;

  --line: #E5E7EB;
  --line-dark: #1F1F22;

  --white: #FFFFFF;

  /* Type */
  --font-display: 'Fraunces', 'Iowan Old Style', 'Palatino', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Arial, sans-serif;

  /* Layout */
  --container: 1240px;
  --container-narrow: 880px;
  --radius-sm: 4px;
  --radius-md: 10px;
  --radius-lg: 20px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(14, 14, 16, 0.08);
  --shadow-md: 0 12px 32px rgba(14, 14, 16, 0.12);
  --shadow-lg: 0 24px 60px rgba(14, 14, 16, 0.20);

  /* Motion */
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--ink-900);
  background: var(--white);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: var(--red-600); text-decoration: none; transition: color 200ms var(--ease); }
a:hover { color: var(--red-500); }
button { font: inherit; cursor: pointer; }

/* Typography */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.01em;
  line-height: 1.15;
  color: var(--navy-900);
  font-variation-settings: "SOFT" 50, "WONK" 0;
}
h1 { font-size: clamp(2.4rem, 5vw, 4.2rem); font-weight: 400; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); }
h4 { font-size: 1.15rem; font-family: var(--font-body); font-weight: 600; }

p { color: var(--ink-700); }
p.lead {
  font-size: 1.25rem;
  line-height: 1.55;
  color: var(--ink-700);
  font-weight: 400;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--red-600);
  margin-bottom: 1rem;
}
.eyebrow--light { color: var(--red-400); }

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

section {
  padding: 5rem 0;
}
@media (min-width: 768px) {
  section { padding: 7rem 0; }
}

.section--dark {
  background: var(--navy-900);
  color: var(--white);
}
.section--dark h1, .section--dark h2, .section--dark h3, .section--dark h4 { color: var(--white); }
.section--dark p { color: rgba(255, 255, 255, 0.78); }
.section--dark p.lead { color: rgba(255, 255, 255, 0.88); }

.section--cream {
  background: var(--cream-100);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.95rem 1.6rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  border-radius: 999px;
  border: 1.5px solid transparent;
  transition: all 220ms var(--ease);
  text-decoration: none;
  white-space: nowrap;
}
.btn--primary {
  background: var(--red-600);
  color: var(--white);
  box-shadow: 0 6px 16px rgba(217, 38, 28, 0.28);
}
.btn--primary:hover {
  background: var(--red-500);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(217, 38, 28, 0.36);
}
.btn--ghost {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--navy-900);
}
.btn--ghost:hover { background: var(--navy-900); color: var(--white); }

.btn--ghost-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn--ghost-light:hover { background: var(--white); color: var(--navy-900); }

.btn--lg { padding: 1.1rem 2rem; font-size: 1rem; }

.btn-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--red-600);
}
.btn-arrow::after {
  content: '→';
  transition: transform 220ms var(--ease);
}
.btn-arrow:hover::after { transform: translateX(4px); }

/* ============ HEADER ============ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
/* On mobile: force fully opaque white background so the dark hero
   never bleeds through the header (some mobile browsers don't handle
   backdrop-filter correctly, making the logo look like it's on black) */
@media (max-width: 1023px) {
  .site-header {
    background: #ffffff;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }
}
.header-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0.7rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.logo-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--navy-900);
  letter-spacing: -0.01em;
}
.logo-link:hover { color: var(--navy-900); }
.logo-mark {
  width: 280px;
  height: 96px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  flex-shrink: 0;
  background: #ffffff;
  border-radius: 4px;
}
@media (max-width: 720px) {
  .logo-mark { width: 200px; height: 68px; }
}
.logo-mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: left center;
  background: #ffffff;
}
.logo-text {
  display: none; /* logo SVG contains wordmark already; suppress duplicate */
}

.primary-nav {
  display: none;
  align-items: center;
  gap: 0.25rem;
}
@media (min-width: 1024px) {
  .primary-nav { display: flex; }
}
.nav-item { position: relative; }
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.6rem 0.65rem;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-900);
  border-radius: 6px;
  transition: all 180ms var(--ease);
  white-space: nowrap;
}
.nav-link:hover { color: var(--red-600); background: var(--cream-100); }
.nav-link[aria-current="page"] { color: var(--red-600); }

.nav-item--has-menu:hover .nav-menu,
.nav-item--has-menu:focus-within .nav-menu {
  display: block !important;
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-menu {
  display: none !important;
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 260px;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-lg);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 200ms var(--ease), transform 200ms var(--ease);
  z-index: 100;
}
.nav-menu a {
  display: block;
  padding: 0.6rem 0.85rem;
  font-size: 0.95rem;
  color: var(--ink-900);
  border-radius: 6px;
  transition: background 150ms var(--ease);
}
.nav-menu a:hover { background: var(--cream-100); color: var(--red-600); }

.header-cta {
  display: none;
  align-items: center;
  gap: 0.75rem;
}
@media (min-width: 1024px) {
  .header-cta { display: flex; }
}
.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 600;
  color: var(--navy-900);
  font-size: 0.95rem;
  white-space: nowrap;
}
.phone-link:hover { color: var(--red-600); }

/* Mobile nav */
.mobile-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  background: none;
  border: none;
  padding: 10px;
  align-items: center;
}
@media (min-width: 1024px) {
  .mobile-toggle { display: none; }
}
.mobile-toggle span {
  width: 22px;
  height: 2px;
  background: var(--navy-900);
  transition: all 220ms var(--ease);
}
.mobile-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.mobile-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--line);
  padding: 1rem 1.5rem 2rem;
}
.mobile-nav.is-open {
  display: block;
  /* Lock to viewport so internal scrolling works on all mobile browsers */
  position: fixed;
  top: 80px;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 49;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  /* Extra bottom padding so last item isn't covered by the sticky mobile CTA bar */
  padding-bottom: 8rem;
  box-shadow: 0 8px 24px rgba(14, 14, 16, 0.15);
}
@media (max-width: 720px) {
  .mobile-nav.is-open { top: 70px; }
}
.mobile-nav a {
  display: block;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink-900);
  font-weight: 500;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .mobile-section { padding: 0.5rem 0; }
.mobile-nav .mobile-section-title {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink-500);
  padding: 1rem 0 0.5rem;
}
.mobile-nav .mobile-cta { margin-top: 1rem; }
.mobile-nav .btn { display: block; text-align: center; width: 100%; }

/* ============ HERO ============ */
.hero {
  position: relative;
  background: var(--navy-900);
  color: var(--white);
  overflow: hidden;
  padding: 6rem 0 5rem;
}
@media (min-width: 768px) {
  .hero { padding: 9rem 0 7rem; }
}
/* Background photo layer — OKC skyline */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('/assets/images/hero_bg.jpg');
  background-size: cover;
  background-position: center 60%;
  background-repeat: no-repeat;
  /* Stronger dimming for dramatic moody contrast */
  filter: brightness(0.62) saturate(1.05) contrast(1.02);
  pointer-events: none;
}
/* Strong gradient for high text legibility */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(14,14,16,0.30) 0%, rgba(14,14,16,0.65) 100%),
    linear-gradient(90deg, rgba(14,14,16,0.65) 0%, rgba(14,14,16,0.20) 65%, transparent 100%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 1;
}
.hero h1 {
  color: var(--white);
  max-width: 18ch;
  margin-bottom: 1.5rem;
}
.hero h1 em {
  font-style: italic;
  color: var(--red-400);
  font-weight: 300;
}
.hero-lead {
  font-size: 1.25rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.85);
  max-width: 56ch;
  margin-bottom: 2.25rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  align-items: center;
}
.hero-meta {
  margin-top: 2.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
}
.hero-stat {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.7);
}
.hero-stat strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 2.4rem;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.4rem;
  letter-spacing: -0.02em;
}

/* Page hero (slimmer than home) */
.page-hero {
  background: var(--navy-900);
  color: var(--white);
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 0%, rgba(224, 49, 39, 0.18), transparent 50%);
  pointer-events: none;
}
.page-hero-inner {
  position: relative;
  z-index: 1;
}
.page-hero h1 {
  color: var(--white);
  margin-bottom: 1rem;
  max-width: 22ch;
}
.page-hero-lead {
  font-size: 1.2rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.85);
  max-width: 56ch;
}
.breadcrumbs {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 1rem;
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}
.breadcrumbs a { color: rgba(255,255,255,0.78); }
.breadcrumbs a:hover { color: var(--white); }
.breadcrumbs span { color: rgba(255,255,255,0.4); }

/* ============ FEATURE CARDS ============ */
.feature-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) {
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .feature-grid--4 { grid-template-columns: repeat(4, 1fr); }
}

.feature-card {
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  transition: all 240ms var(--ease);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--navy-100);
}
.feature-card-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--red-50);
  color: var(--red-600);
  border-radius: 10px;
  margin-bottom: 1.25rem;
}
.feature-card h3 {
  margin-bottom: 0.5rem;
  font-size: 1.2rem;
}
.feature-card p {
  font-size: 0.95rem;
  line-height: 1.55;
}

/* Section header */
.section-header {
  max-width: 720px;
  margin-bottom: 3.5rem;
}
.section-header--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.section-header h2 { margin-bottom: 1rem; }
.section-header p {
  font-size: 1.15rem;
  line-height: 1.55;
}

/* ============ PRODUCT GRID ============ */
.product-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  overflow: hidden;
}
@media (min-width: 640px) { .product-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .product-grid { grid-template-columns: repeat(3, 1fr); } }

.product-card {
  position: relative;
  padding: 2.25rem;
  background: var(--white);
  transition: all 240ms var(--ease);
  display: flex;
  flex-direction: column;
  min-height: 240px;
}
.product-card:hover {
  background: var(--cream-100);
}
.product-card h3 {
  font-size: 1.5rem;
  margin-bottom: 0.6rem;
}
.product-card p {
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}
.product-card .btn-arrow { align-self: flex-start; }
.product-card-num {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  font-family: var(--font-display);
  font-size: 0.85rem;
  color: var(--ink-300);
  letter-spacing: 0.1em;
}

/* ============ SPLIT SECTION ============ */
.split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 900px) {
  .split { grid-template-columns: 1fr 1fr; gap: 5rem; }
  .split--reverse > :first-child { order: 2; }
}
.split h2 { margin-bottom: 1.5rem; }
.split p { font-size: 1.05rem; margin-bottom: 1rem; }
.split-image {
  background: var(--navy-800);
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 5;
  position: relative;
  overflow: hidden;
}

/* ============ AREAS LIST ============ */
.areas-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.75rem;
  max-width: 720px;
  margin: 0 auto;
}
@media (min-width: 768px) {
  .areas-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 1024px) {
  .areas-grid { grid-template-columns: repeat(4, 1fr); }
}
.area-pill {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem 0.75rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--white);
  transition: all 200ms var(--ease);
}
.area-pill:hover {
  background: rgba(224, 49, 39, 0.12);
  border-color: var(--red-500);
  color: var(--white);
  transform: translateY(-2px);
}

/* ============ TESTIMONIALS ============ */
.testimonials {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) { .testimonials { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .testimonials { grid-template-columns: repeat(4, 1fr); } }

.testimonial {
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  display: flex;
  flex-direction: column;
}
.testimonial-stars {
  color: #F5B82E;
  letter-spacing: 0.1em;
  margin-bottom: 1.25rem;
  font-size: 0.95rem;
}
.testimonial blockquote {
  font-family: var(--font-display);
  font-size: 1.05rem;
  line-height: 1.5;
  color: var(--ink-900);
  margin-bottom: 1.5rem;
  flex-grow: 1;
  font-style: italic;
  font-weight: 400;
}
.testimonial cite {
  font-style: normal;
  font-size: 0.9rem;
  color: var(--ink-500);
  font-weight: 500;
}

/* ============ FAQ ACCORDION ============ */
.faq-list {
  max-width: 820px;
  margin: 0 auto;
  border-top: 1px solid var(--line);
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 2rem;
  text-align: left;
  background: none;
  border: none;
  padding: 1.5rem 0;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy-900);
  cursor: pointer;
  transition: color 200ms var(--ease);
}
.faq-question:hover { color: var(--red-600); }
.faq-question-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  position: relative;
}
.faq-question-icon::before, .faq-question-icon::after {
  content: '';
  position: absolute;
  background: currentColor;
  top: 50%;
  left: 50%;
  transition: transform 220ms var(--ease);
}
.faq-question-icon::before { width: 14px; height: 2px; transform: translate(-50%, -50%); }
.faq-question-icon::after { width: 2px; height: 14px; transform: translate(-50%, -50%); }
.faq-item.is-open .faq-question-icon::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 320ms var(--ease);
}
.faq-answer-inner {
  padding: 0 0 1.5rem;
  font-size: 1.02rem;
  line-height: 1.65;
  color: var(--ink-700);
  max-width: 70ch;
}
.faq-item.is-open .faq-answer { max-height: 800px; }

/* ============ CTA STRIP ============ */
.cta-strip {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 3rem 2rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(224, 49, 39, 0.25), transparent 70%);
  pointer-events: none;
}
.cta-strip-inner { position: relative; z-index: 1; }
.cta-strip h2 {
  color: var(--white);
  margin-bottom: 0.75rem;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
}
.cta-strip p {
  color: rgba(255,255,255,0.82);
  font-size: 1.1rem;
  max-width: 52ch;
  margin: 0 auto 2rem;
}
.cta-strip-actions {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.cta-strip-phone {
  margin-top: 1.5rem;
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
}
.cta-strip-phone a {
  color: var(--white);
  font-weight: 600;
  border-bottom: 1px solid rgba(255,255,255,0.4);
  padding-bottom: 1px;
}
.cta-strip-phone a:hover { color: var(--red-400); border-color: var(--red-400); }

/* ============ PRODUCT PAGE — ARTICLE STYLE ============ */
.product-content {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
}
@media (min-width: 1024px) {
  .product-content { grid-template-columns: 1fr 320px; gap: 4rem; }
}

.prose {
  max-width: 70ch;
}
.prose h2 {
  margin-top: 3rem;
  margin-bottom: 1.25rem;
  font-size: 1.85rem;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  font-size: 1.3rem;
}
.prose p {
  font-size: 1.08rem;
  line-height: 1.7;
  color: var(--ink-700);
  margin-bottom: 1.1rem;
}
.prose ul, .prose ol {
  padding-left: 1.5rem;
  margin-bottom: 1.5rem;
  color: var(--ink-700);
  font-size: 1.05rem;
  line-height: 1.7;
}
.prose li { margin-bottom: 0.5rem; }
.prose strong { color: var(--navy-900); font-weight: 600; }

.prose .callout {
  background: var(--cream-100);
  border-left: 3px solid var(--red-500);
  padding: 1.5rem 1.75rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 2rem 0;
}
.prose .callout p:last-child { margin-bottom: 0; }
.prose .callout strong { color: var(--red-600); }

.coverage-list {
  list-style: none !important;
  padding: 0 !important;
  margin: 1.5rem 0 !important;
}
.coverage-list li {
  padding: 1rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 1rem !important;
}
.coverage-list li::before {
  content: '✓';
  color: var(--red-600);
  font-weight: 700;
  flex-shrink: 0;
}
.coverage-list li strong { display: block; margin-bottom: 0.15rem; }

/* Sticky sidebar */
.product-sidebar {
  align-self: start;
}
@media (min-width: 1024px) {
  .product-sidebar { position: sticky; top: 100px; }
}
.sidebar-card {
  background: var(--navy-900);
  color: var(--white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  margin-bottom: 1rem;
}
.sidebar-card h3 {
  color: var(--white);
  font-size: 1.35rem;
  margin-bottom: 0.6rem;
}
.sidebar-card p {
  color: rgba(255,255,255,0.78);
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
}
.sidebar-card .btn { width: 100%; }
.sidebar-card .phone-callout {
  margin-top: 1rem;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  text-align: center;
}
.sidebar-card .phone-callout a {
  color: var(--white);
  font-weight: 600;
}

.sidebar-list {
  background: var(--cream-100);
  padding: 1.75rem;
  border-radius: var(--radius-lg);
}
.sidebar-list h4 {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--ink-500);
  margin-bottom: 1rem;
}
.sidebar-list a {
  display: block;
  padding: 0.5rem 0;
  font-size: 0.98rem;
  color: var(--navy-900);
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.sidebar-list a:hover { color: var(--red-600); padding-left: 4px; }
.sidebar-list a:last-child { border-bottom: none; }

/* ============ FORMS ============ */
.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 640px) {
  .form-grid--2 { grid-template-columns: 1fr 1fr; }
}
.form-field { display: flex; flex-direction: column; }
.form-field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 0.4rem;
  letter-spacing: 0.02em;
}
.form-field input, .form-field select, .form-field textarea {
  padding: 0.85rem 1rem;
  font: inherit;
  font-size: 1rem;
  color: var(--ink-900);
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-md);
  transition: all 180ms var(--ease);
  font-family: var(--font-body);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--navy-900);
  box-shadow: 0 0 0 3px rgba(15, 37, 65, 0.12);
}
.form-field textarea { min-height: 140px; resize: vertical; }
.form-field--full { grid-column: 1 / -1; }
.form-note {
  font-size: 0.85rem;
  color: var(--ink-500);
  margin-top: 0.5rem;
}

/* ============ FOOTER ============ */
.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.78);
  padding: 5rem 0 2rem;
}
.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
@media (min-width: 768px) {
  .footer-top { grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 3rem; }
}
.footer-brand h4 {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
}
.footer-brand p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 1.25rem;
  max-width: 36ch;
}
.footer-contact {
  font-size: 0.95rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.8);
}
.footer-contact a { color: var(--white); border-bottom: 1px solid rgba(255,255,255,0.25); padding-bottom: 1px; }
.footer-contact a:hover { color: var(--red-400); border-color: var(--red-400); }

.footer-col h5 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 0.55rem; }
.footer-col a {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  transition: color 150ms var(--ease);
}
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
}
.footer-bottom a { color: rgba(255,255,255,0.65); }
.footer-bottom a:hover { color: var(--white); }
.footer-bottom-links { display: flex; gap: 1.5rem; flex-wrap: wrap; }

.social-links { display: flex; gap: 0.6rem; margin-top: 1rem; }
.social-links a {
  width: 38px;
  height: 38px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  transition: all 180ms var(--ease);
  border-bottom: none;
}
.social-links a:hover { background: var(--red-600); transform: translateY(-2px); }

/* ============ UTILITY ============ */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

/* Animations */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.fade-up {
  animation: fadeUp 700ms var(--ease) both;
}
.fade-up--delay-1 { animation-delay: 100ms; }
.fade-up--delay-2 { animation-delay: 200ms; }
.fade-up--delay-3 { animation-delay: 300ms; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
  html { scroll-behavior: auto; }
}

/* Skip link for accessibility */
.skip-link {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--navy-900);
  color: var(--white);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  z-index: 100;
  font-weight: 600;
}
.skip-link:focus { top: 1rem; color: var(--white); }

/* Focus states */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible {
  outline: 2px solid var(--red-500);
  outline-offset: 3px;
  border-radius: 4px;
}

/* =========================================================
   Carrier marquee — scrolling banner of insurance carriers
   ========================================================= */
.carrier-strip {
  background: #ffffff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 3rem 0 2.5rem;
  overflow: hidden;
}
.carrier-strip-heading {
  text-align: center;
  margin-bottom: 1.5rem;
  padding: 0 1.5rem;
}
.carrier-strip-heading .eyebrow {
  display: inline-block;
  margin-bottom: 0.4rem;
}
.carrier-strip-heading h3 {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.2vw, 1.85rem);
  font-weight: 400;
  color: var(--navy-900);
  margin: 0;
  letter-spacing: -0.01em;
}
.carrier-marquee-window {
  position: relative;
  width: 100%;
  overflow: hidden;
  /* Soft fade on left and right edges */
  mask-image: linear-gradient(90deg, transparent 0, black 6%, black 94%, transparent 100%);
  -webkit-mask-image: linear-gradient(90deg, transparent 0, black 6%, black 94%, transparent 100%);
}
.carrier-marquee {
  display: flex;
  width: max-content;
  animation: carrier-scroll 35s linear infinite;
  will-change: transform;
}
.carrier-marquee:hover { animation-play-state: paused; }
.carrier-track {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.carrier-name {
  /* Legacy text-based style kept for accessibility fallback (sr-only) */
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}
.carrier-logo {
  height: 64px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  padding: 0 2.25rem;
  flex-shrink: 0;
  opacity: 0.92;
  transition: opacity 220ms var(--ease), transform 220ms var(--ease);
}
.carrier-logo:hover {
  opacity: 1;
  transform: translateY(-2px);
}
.carrier-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--red-500);
  flex-shrink: 0;
  opacity: 0.6;
}
@keyframes carrier-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .carrier-marquee {
    animation: none;
    flex-wrap: wrap;
    justify-content: center;
    width: 100%;
  }
  .carrier-marquee-window {
    mask-image: none;
    -webkit-mask-image: none;
  }
}
@media (max-width: 640px) {
  .carrier-logo { height: 44px; padding: 0 1.25rem; max-width: 160px; }
}

/* =========================================================
   Sticky mobile CTA bar — Text Us + Get a Quote
   Hidden on desktop, fixed-bottom on mobile.
   ========================================================= */
.mobile-cta-bar {
  display: none;
}
@media (max-width: 720px) {
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 60;
    background: var(--navy-900);
    padding: 0.55rem;
    gap: 0.45rem;
    border-top: 1px solid var(--line-dark);
    box-shadow: 0 -8px 24px rgba(14, 14, 16, 0.35);
    /* Honor iPhone home-indicator safe area */
    padding-bottom: calc(0.55rem + env(safe-area-inset-bottom));
  }
  .mobile-cta-bar a {
    flex: 1;
    text-align: center;
    padding: 0.85rem 0.5rem;
    border-radius: var(--radius-md);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: transform 200ms var(--ease);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    line-height: 1;
  }
  .mobile-cta-bar a svg {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
  }
  .mobile-cta-bar .cta-text {
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.22);
  }
  .mobile-cta-bar .cta-text:hover,
  .mobile-cta-bar .cta-text:focus { color: var(--white); }
  .mobile-cta-bar .cta-quote {
    background: var(--red-600);
    color: var(--white);
  }
  .mobile-cta-bar .cta-quote:hover,
  .mobile-cta-bar .cta-quote:focus { color: var(--white); }
  .mobile-cta-bar a:active { transform: scale(0.97); }
  /* Lift footer up so the bar doesn't cover content */
  .site-footer { padding-bottom: calc(80px + env(safe-area-inset-bottom)); }
}

/* =========================================================
   Carriers page — grid of carrier resource cards
   ========================================================= */
.carrier-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.carrier-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  display: flex;
  flex-direction: column;
  transition: box-shadow 200ms var(--ease), transform 200ms var(--ease);
}
.carrier-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}
.carrier-card-logo {
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--line);
}
.carrier-card-logo img {
  max-height: 64px;
  max-width: 80%;
  width: auto;
  object-fit: contain;
}
.carrier-card-name {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy-900);
  text-align: center;
  margin: 0 0 1.25rem;
}
.carrier-card-row {
  text-align: center;
  padding: 0.75rem 0;
  border-top: 1px solid var(--line);
}
.carrier-card-row:first-of-type { border-top: none; padding-top: 0; }
.carrier-card-label {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink-500);
  margin-bottom: 0.3rem;
}
.carrier-card-link {
  display: inline-block;
  color: var(--navy-900);
  font-weight: 500;
  border-bottom: 1px solid var(--red-500);
  padding-bottom: 2px;
  transition: color 180ms var(--ease);
}
.carrier-card-link:hover { color: var(--red-600); }
.carrier-page-intro {
  max-width: 720px;
  margin: 0 auto 1rem;
  text-align: center;
}

/* =========================================================
   Blog — index list + individual post styling
   ========================================================= */
.blog-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}
.blog-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 220ms var(--ease), transform 220ms var(--ease);
}
.blog-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.blog-card-image {
  aspect-ratio: 16 / 9;
  background-size: cover;
  background-position: center;
  background-color: var(--cream-100);
}
.blog-card-body { padding: 1.5rem 1.5rem 1.75rem; flex: 1; display: flex; flex-direction: column; }
.blog-card-meta {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-500);
  margin-bottom: 0.6rem;
}
.blog-card-meta .dot { color: var(--red-500); margin: 0 0.4rem; }
.blog-card h2 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  line-height: 1.25;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin: 0 0 0.6rem;
  color: var(--navy-900);
}
.blog-card h2 a { color: inherit; }
.blog-card h2 a:hover { color: var(--red-600); }
.blog-card-excerpt {
  font-size: 0.98rem;
  line-height: 1.55;
  color: var(--ink-700);
  margin: 0 0 1rem;
  flex: 1;
}
.blog-card-readmore {
  font-weight: 600;
  color: var(--red-600);
  border-bottom: 1px solid var(--red-400);
  padding-bottom: 2px;
  align-self: flex-start;
}

/* Blog post (article) styling */
.blog-post {
  max-width: 760px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.blog-post .post-meta {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-500);
  margin-bottom: 0.75rem;
}
.blog-post .post-meta .dot { color: var(--red-500); margin: 0 0.5rem; }
.blog-post h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin-bottom: 1rem;
}
.blog-post .post-lead {
  font-family: var(--font-display);
  font-size: 1.25rem;
  line-height: 1.5;
  color: var(--ink-700);
  margin-bottom: 2.5rem;
  font-weight: 400;
}
.blog-post h2 {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 500;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.blog-post h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 500;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}
.blog-post p,
.blog-post li {
  font-size: 1.08rem;
  line-height: 1.7;
  color: var(--ink-900);
}
.blog-post p { margin-bottom: 1.25rem; }
.blog-post ul, .blog-post ol { margin: 0 0 1.5rem 1.5rem; padding: 0; }
.blog-post li { margin-bottom: 0.5rem; }
.blog-post strong { color: var(--navy-900); font-weight: 600; }
.blog-post blockquote {
  border-left: 3px solid var(--red-500);
  padding: 0.25rem 0 0.25rem 1.5rem;
  margin: 2rem 0;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.2rem;
  color: var(--navy-900);
}
.blog-post hr {
  border: none;
  border-top: 1px solid var(--line);
  margin: 3rem 0;
}
.post-cta {
  background: var(--cream-100);
  padding: 2rem;
  border-radius: var(--radius-lg);
  margin: 3rem 0;
  text-align: center;
}
.post-cta h3 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  margin-bottom: 0.5rem;
  margin-top: 0;
}
.post-cta p { font-size: 1rem; margin-bottom: 1.25rem; }