/* ==========================================================
   Cover Trust Insurance — theme
   Change these variables to restyle the whole site.
   ========================================================== */
:root {
  --navy: #102d44;          /* brand color (from your current site) */
  --navy-deep: #0a1f30;
  --accent: #c9a24a;        /* warm gold accent — change to taste */
  --accent-soft: #f4ecd8;
  --bg: #ffffff;
  --bg-alt: #f6f4ef;
  --text: #16232e;
  --muted: #5a6772;
  --border: #e4e0d6;
  --on-navy: #ffffff;
  --on-navy-muted: #b9c6d1;
  --radius: 14px;
  --radius-small: 10px;
  --max-width: 1180px;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-head: "Fraunces", Georgia, "Times New Roman", serif;
  --shadow: 0 1px 2px rgba(16, 45, 68, .06), 0 8px 24px rgba(16, 45, 68, .06);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { margin: 0 0 .5em; line-height: 1.15; }
h1, h2 { font-family: var(--font-head); font-weight: 600; letter-spacing: -0.015em; color: var(--navy); }
h1 { font-size: clamp(2.4rem, 5.5vw, 4rem); }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.15rem; font-weight: 600; }
h1 em, h2 em { font-style: italic; font-weight: 500; color: var(--accent); }
p { margin: 0 0 1em; }
a { color: var(--navy); }
img { max-width: 100%; height: auto; display: block; }
[hidden] { display: none !important; }

.container { width: 100%; max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.center { text-align: center; }

.eyebrow {
  display: inline-block;
  font-size: .8rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
  color: var(--navy); background: var(--accent-soft);
  padding: 6px 12px; border-radius: 999px; margin-bottom: 18px;
}
.lead { font-size: 1.2rem; color: var(--muted); max-width: 540px; }
.fine-print { font-size: .85rem; color: var(--muted); }
.text-link { font-weight: 600; text-decoration: none; color: var(--navy); }
.text-link:hover { text-decoration: underline; }

/* ---------- Buttons ---------- */
.button {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 24px; border-radius: 999px; border: 2px solid var(--navy);
  background: var(--navy); color: var(--on-navy);
  font: 600 1rem var(--font-body); text-decoration: none; cursor: pointer;
  transition: transform .15s, background .15s;
}
.button:hover { background: var(--navy-deep); transform: translateY(-1px); }
.button-small { padding: 10px 18px; font-size: .95rem; }
.button-ghost { background: transparent; color: var(--navy); }
.button-ghost:hover { background: var(--accent-soft); }
.button-light { background: var(--accent); border-color: var(--accent); color: var(--navy-deep); }
.button-light:hover { background: #d8b45f; }
.button-ghost-light { background: transparent; border-color: rgba(255,255,255,.5); color: var(--on-navy); }
.button-ghost-light:hover { background: rgba(255,255,255,.1); }

/* ---------- Top bar ---------- */
.topbar { background: var(--navy-deep); color: var(--on-navy-muted); font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; padding-top: 7px; padding-bottom: 7px; }
.topbar-states { letter-spacing: .08em; color: var(--on-navy); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,.96); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.logo-mark {
  width: 42px; height: 42px; border-radius: 10px; display: grid; place-items: center;
  background: var(--navy); color: var(--accent); font: 600 1.1rem var(--font-head);
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong { font: 600 1.25rem var(--font-head); }
.logo-text small { font-size: .62rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.logo-img { height: 52px; width: auto; }
@media (max-width: 1100px) { .logo-img { height: 44px; } }
@media (max-width: 420px) { .logo-img { height: 38px; } }
.logo-light { color: var(--on-navy); }
.logo-light .logo-mark { background: var(--accent); color: var(--navy-deep); }
.logo-light .logo-text small { color: var(--on-navy-muted); }

.nav-links { display: flex; gap: 26px; }
.nav-links a { color: var(--text); text-decoration: none; font-weight: 500; font-size: .97rem; }
.nav-links a:hover { color: var(--navy); text-decoration: underline; text-underline-offset: 4px; }

.header-actions { display: flex; align-items: center; gap: 16px; }
.header-phone { display: flex; flex-direction: column; text-decoration: none; line-height: 1.2; text-align: right; }
.header-phone span { font-size: .75rem; color: var(--muted); }
.header-phone strong { color: var(--navy); }

.menu-toggle { display: none; width: 42px; height: 42px; border: 1px solid var(--border); border-radius: 10px; background: none; cursor: pointer; padding: 10px; }
.menu-toggle span { display: block; height: 2px; background: var(--navy); margin: 4px 0; border-radius: 2px; }

@media (max-width: 1000px) {
  .header-phone { display: none; }
}
@media (max-width: 860px) {
  .menu-toggle { display: block; }
  .nav-links {
    display: none; position: absolute; top: 76px; left: 0; right: 0;
    flex-direction: column; gap: 0; background: var(--bg);
    border-bottom: 1px solid var(--border); box-shadow: var(--shadow);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 16px 20px; border-top: 1px solid var(--border); }
}
@media (max-width: 420px) {
  .header-actions .button-small { display: none; }
}

/* ---------- Hero ---------- */
.hero { padding: 72px 0 80px; background: linear-gradient(180deg, var(--bg-alt), var(--bg)); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: center; }
.hero-buttons { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 24px; }
.center-buttons { justify-content: center; }
.checks { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px 24px; color: var(--muted); font-size: .95rem; }
.checks li::before { content: "✓"; color: var(--accent); font-weight: 700; margin-right: 8px; }

.hero-media { position: relative; }
.photo-placeholder {
  display: grid; place-items: center; text-align: center;
  background: repeating-linear-gradient(45deg, #e9e5da, #e9e5da 12px, #efece3 12px, #efece3 24px);
  color: var(--muted); font-weight: 600; border-radius: var(--radius);
}
.photo-placeholder small { font-weight: 400; font-size: .8rem; }
.hero-photo { aspect-ratio: 4 / 3.4; border-radius: 22px; }
.hero-media img { border-radius: 22px; aspect-ratio: 4 / 3.4; object-fit: cover; width: 100%; }

.broker-card {
  position: absolute; left: -28px; bottom: -26px;
  display: flex; align-items: center; gap: 14px;
  background: var(--bg); padding: 14px 20px 14px 14px; border-radius: var(--radius);
  box-shadow: var(--shadow); border: 1px solid var(--border);
}
.broker-card strong { display: block; color: var(--navy); }
.broker-card span, .broker-card small { display: block; font-size: .85rem; color: var(--muted); }
.broker-avatar, .broker-card img {
  width: 56px; height: 56px; border-radius: 50%; object-fit: cover;
  display: grid; place-items: center; background: var(--navy); color: var(--accent);
  font: 600 1.1rem var(--font-head); flex-shrink: 0;
}

@media (max-width: 860px) {
  .hero { padding: 48px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .broker-card { left: 12px; bottom: -24px; }
}

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section.alt { background: var(--bg-alt); }
.section-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 20px; margin-bottom: 40px; }
.section-head h2 { margin: 0; max-width: 720px; }
.section-head.center { justify-content: center; text-align: center; }
@media (max-width: 640px) { .section { padding: 64px 0; } }

/* ---------- Carriers: scrolling strip ---------- */
.carriers { padding-top: 96px; overflow: hidden; }
.marquee {
  margin: 8px 0 32px;
  /* soft fade at both edges */
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-row { display: flex; width: max-content; }
.marquee-track {
  display: flex; align-items: center; flex-shrink: 0;
  list-style: none; margin: 0; padding: 0;
  animation: marquee-scroll var(--duration, 240s) linear infinite;
}
.marquee:hover .marquee-track,
.marquee:focus-within .marquee-track { animation-play-state: paused; }
.marquee-track li {
  flex-shrink: 0; margin-right: 16px;
  height: 88px; min-width: 170px; padding: 14px 24px;
  display: grid; place-items: center;
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius-small);
}
.marquee-track img { max-height: 48px; max-width: 160px; width: auto; height: auto; object-fit: contain; }
@keyframes marquee-scroll { from { transform: translateX(0); } to { transform: translateX(-100%); } }

/* Visitors who turn off motion get a swipeable row instead */
@media (prefers-reduced-motion: reduce) {
  .marquee { -webkit-mask-image: none; mask-image: none; overflow-x: auto; padding: 0 20px; }
  .marquee-track { animation: none; }
  .marquee-track[aria-hidden="true"] { display: none; }
}
@media (max-width: 640px) {
  .marquee-track li { height: 70px; min-width: 130px; padding: 10px 16px; margin-right: 12px; }
  .marquee-track img { max-height: 38px; max-width: 120px; }
}

.carriers-links { margin-bottom: 8px; }
.carrier-all {
  list-style: none; margin: 20px 0 28px; padding: 0;
  display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 12px;
}
.carrier-all li {
  height: 80px; padding: 12px 16px; display: grid; place-items: center;
  border: 1px solid var(--border); border-radius: var(--radius-small); background: var(--bg);
}
.carrier-all img { max-height: 44px; max-width: 100%; width: auto; height: auto; object-fit: contain; }
@media (max-width: 480px) { .carrier-all { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Quote band ---------- */
.quote-band { background: var(--navy); color: var(--on-navy); }
.quote-band h2 { color: var(--on-navy); }
.quote-band p { color: var(--on-navy-muted); }
.quote-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 48px; align-items: center; }
.quote-form { display: grid; grid-template-columns: 1.4fr 1fr auto; gap: 14px; align-items: end; }
.quote-form label span { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 6px; color: var(--on-navy-muted); }
.quote-form select {
  width: 100%; height: 52px; padding: 0 14px; border-radius: var(--radius-small);
  border: 1px solid rgba(255,255,255,.2); background: #fff; color: var(--text); font: 500 1rem var(--font-body);
}
.quote-form .button { height: 52px; border-radius: var(--radius-small); }
@media (max-width: 960px) {
  .quote-grid { grid-template-columns: 1fr; gap: 24px; }
}
@media (max-width: 640px) {
  .quote-form { grid-template-columns: 1fr; }
}

/* ---------- Tabs + coverage cards ---------- */
.tabs { display: inline-flex; background: var(--bg-alt); border-radius: 999px; padding: 4px; }
.tab { border: 0; background: none; padding: 10px 18px; border-radius: 999px; font: 600 .95rem var(--font-body); color: var(--muted); cursor: pointer; }
.tab.active { background: var(--navy); color: var(--on-navy); }

.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.coverage-card, .audience-card, .state-card, .post-card {
  display: block; text-decoration: none; color: inherit;
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
  transition: transform .15s, box-shadow .15s, border-color .15s;
}
.coverage-card, .audience-card { padding: 26px; }
.coverage-card:hover, .audience-card:hover, .state-card:hover, .post-card:hover {
  transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--accent);
}
.coverage-card p, .audience-card p, .state-card p { color: var(--muted); margin: 0; font-size: .97rem; }
.icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px; margin-bottom: 18px;
  color: var(--accent); background: none;
}
.icon svg { width: 28px; height: 28px; display: block; }
@media (max-width: 860px) { .coverage-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .coverage-grid { grid-template-columns: 1fr; } }

/* ---------- Differentiators ---------- */
.diff-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: start; }
.stats { display: flex; gap: 40px; margin: 28px 0 32px; }
.stats strong { display: block; font: 600 2.4rem var(--font-head); color: var(--navy); line-height: 1; }
.stats span { color: var(--muted); font-size: .95rem; }
.numbered-cards { list-style: none; counter-reset: card; margin: 0; padding: 0; display: grid; gap: 16px; }
.numbered-cards li {
  counter-increment: card; position: relative;
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 24px 24px 24px 84px;
}
.numbered-cards li::before {
  content: "0" counter(card); position: absolute; left: 24px; top: 22px;
  font: 600 1.6rem var(--font-head); color: var(--accent);
}
.numbered-cards p { color: var(--muted); margin: 0; }
@media (max-width: 860px) { .diff-grid { grid-template-columns: 1fr; gap: 36px; } }

/* ---------- Process ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 32px; position: relative; }
.step { text-align: center; padding: 8px 16px; }
.step-num {
  display: inline-grid; place-items: center; width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); color: var(--accent); font: 600 1.4rem var(--font-head); margin-bottom: 16px;
}
.step p { color: var(--muted); }
@media (max-width: 720px) { .steps { grid-template-columns: 1fr; } }

/* ---------- States ---------- */
.state-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.state-card { padding: 28px 24px; }
.state-abbr { display: block; font: 600 2.6rem var(--font-head); color: var(--accent); line-height: 1; margin-bottom: 12px; }
@media (max-width: 860px) { .state-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .state-grid { grid-template-columns: 1fr; } }

/* ---------- CTA panel ---------- */
.cta-panel {
  display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 24px;
  background: var(--navy); color: var(--on-navy); border-radius: 22px; padding: 48px;
}
.cta-panel h2 { color: var(--on-navy); margin-bottom: 8px; }
.cta-panel p { color: var(--on-navy-muted); margin: 0; }
@media (max-width: 640px) { .cta-panel { padding: 32px 24px; } }

/* ---------- Audiences ---------- */
.audience-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 960px) { .audience-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .audience-grid { grid-template-columns: 1fr; } }

/* ---------- Journal ---------- */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.post-card { overflow: hidden; }
.post-photo, .post-card img { aspect-ratio: 16 / 10; border-radius: 0; width: 100%; object-fit: cover; }
.post-body { padding: 20px 22px 24px; }
.post-meta { display: block; font-size: .82rem; color: var(--muted); margin-bottom: 8px; }
.post-body h3 { margin: 0; font-size: 1.12rem; line-height: 1.35; }
@media (max-width: 860px) { .post-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; }
.faq details { border: 1px solid var(--border); border-radius: var(--radius); background: var(--bg); }
.faq summary {
  list-style: none; cursor: pointer; padding: 20px 56px 20px 24px; position: relative;
  font-weight: 600; color: var(--navy);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--accent); transition: transform .2s;
}
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 24px 20px; margin: 0; color: var(--muted); }

/* ---------- Closing ---------- */
.closing { background: var(--navy); }
.closing h2 { color: var(--on-navy); font-size: clamp(2rem, 4vw, 3rem); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-navy-muted); padding: 72px 0 32px; font-size: .95rem; }
.site-footer a { color: var(--on-navy-muted); text-decoration: none; }
.site-footer a:hover { color: var(--on-navy); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-tagline { font: italic 500 1.15rem var(--font-head); color: var(--accent); margin: 18px 0; }
.site-footer address { font-style: normal; line-height: 1.8; word-break: break-word; }
.site-footer h4 { color: var(--on-navy); font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-legal { padding-top: 24px; }
.footer-legal p { margin: 0 0 8px; }
.footer-legal .fine-print { color: #7f8f9c; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- 404 ---------- */
.not-found { min-height: 70vh; display: grid; place-items: center; text-align: center; padding: 60px 0; }

/* ---------- Carriers page ---------- */
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.page-hero { padding: 80px 0 56px; background: linear-gradient(180deg, var(--bg-alt), var(--bg)); }
.center-lead { margin: 0 auto 16px; }
.directory { padding-top: 32px; }
.directory-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 20px; margin-bottom: 24px; }
.directory-head h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-bottom: 4px; }
.directory-head .fine-print { margin: 0; }
.carrier-search input {
  width: min(360px, 100%); height: 48px; padding: 0 16px 0 44px;
  border: 1px solid var(--border); border-radius: 999px; background: var(--bg) no-repeat 16px center;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' fill='none' stroke='%235a6772' stroke-width='2' stroke-linecap='round'%3E%3Ccircle cx='8' cy='8' r='6'/%3E%3Cpath d='m13 13 4 4'/%3E%3C/svg%3E");
  font: 500 1rem var(--font-body); color: var(--text);
}
.carrier-search input:focus { outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent); }
@media (max-width: 640px) { .carrier-search, .carrier-search input { width: 100%; } }
.carrier-directory { margin-top: 0; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); }
.carrier-directory li { height: auto; min-height: 124px; padding: 18px 14px 12px; grid-template-rows: 1fr auto; gap: 10px; }
.carrier-directory li span { font-size: .8rem; color: var(--muted); text-align: center; line-height: 1.3; }
.no-results { text-align: center; color: var(--muted); padding: 32px 0; }
.site-footer a[aria-current="page"] { color: var(--on-navy); }
@media (max-width: 480px) {
  .carrier-directory { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .carrier-directory li { min-height: 104px; padding: 14px 10px 10px; }
  .carrier-directory img { max-height: 36px; }
}

/* ---------- Insurance page ---------- */
.jump-links { margin-top: 8px; }
.coverage-card .card-link { display: inline-block; margin-top: 14px; font-weight: 600; font-size: .95rem; color: var(--navy); }
.coverage-card:hover .card-link { text-decoration: underline; text-underline-offset: 3px; }
.eyebrow-dark { background: rgba(255,255,255,.1); color: var(--accent); }
.closing-text { color: var(--on-navy-muted); font-size: 1.1rem; margin-bottom: 8px; }
.closing .closing-text + .hero-buttons { margin-top: 20px; }
.coverage-card:has(.card-link) { display: flex; flex-direction: column; }
.coverage-card .card-link { margin-top: auto; padding-top: 14px; align-self: flex-start; }

/* ==========================================================
   Inner pages (added when the full site was rebuilt)
   ========================================================== */
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; }
.skip-link:focus { left: 12px; }

/* Breadcrumbs */
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 auto 28px; font-size: .9rem; color: var(--muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: var(--border); }
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--navy); text-decoration: underline; }
.page-hero { padding: 40px 0 56px; }
.page-hero .breadcrumbs { padding-top: 0; }
.page-hero .narrow > p:not(.eyebrow):not(.fine-print) { font-size: 1.15rem; color: var(--muted); }
.page-hero .narrow > p:first-of-type:not(.eyebrow) { color: var(--text); }
.page-hero h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
.page-hero .broker-inline { margin: 20px 0; }

/* Section heads and text */
.section-head-block { margin-bottom: 28px; }
.section-head-block h2 { max-width: 820px; }
.section .narrow > p, .section .narrow li, .callout p, .subsection p, .feature p { color: var(--text); }
.section h3 { color: var(--navy); font-size: 1.25rem; }
.section .container:not(.narrow) > p { max-width: 820px; }
address { font-style: normal; margin: 0 0 12px; }

/* Cards (coverage, local guides, articles, industries) */
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; margin: 8px 0 24px; }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) { .card-grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .card-grid-4 { grid-template-columns: 1fr; } }
.card {
  display: flex; flex-direction: column; gap: 6px; padding: 24px; text-decoration: none; color: inherit;
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
  transition: transform .15s, box-shadow .15s, border-color .15s;
}
.section.alt .card { background: #fff; }
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: var(--accent); }
.card h3 { margin: 0; font-size: 1.2rem; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: .97rem; }
.card .icon { margin-bottom: 8px; }
.card-eyebrow { font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent); }
.card-meta { font-size: .85rem; color: var(--muted); }
.card-link { margin-top: auto; padding-top: 10px; font-weight: 600; font-size: .95rem; color: var(--navy); }
.card:hover .card-link { text-decoration: underline; text-underline-offset: 3px; }
.tabs + .card-grid, .tab-panel { margin-top: 24px; }

/* Pills (states, counties, nearby towns, quick links) */
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 8px 0 24px; }
.pill {
  display: inline-block; padding: 8px 14px; border: 1px solid var(--border); border-radius: 999px;
  background: var(--bg); color: var(--navy); font-size: .92rem; font-weight: 500; text-decoration: none;
}
.pill:hover { border-color: var(--accent); background: var(--accent-soft); }

/* Lists */
.check-list { list-style: none; padding: 0; margin: 12px 0 24px; display: grid; gap: 10px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--accent); font-weight: 700; }
.numbered-list { list-style: none; padding: 0; margin: 0 0 24px; display: grid; gap: 16px; }
.numbered-list li { display: grid; grid-template-columns: 48px 1fr; gap: 12px; align-items: start; }
.numbered-list .num { font: 600 1.4rem var(--font-head); color: var(--accent); }
.numbered-list p { margin: 0; }
.resource-links { list-style: none; padding: 0; margin: 8px 0 20px; display: grid; gap: 8px; }
.resource-links a { color: var(--navy); font-weight: 600; }

/* Feature trios, callouts, sub-sections */
.feature-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; margin-top: 12px; }
.feature { background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; }
.section.alt .feature { background: #fff; }
.feature .eyebrow { font-size: .72rem; margin-bottom: 12px; }
.feature p { color: var(--muted); }
.callout { margin: 28px 0; padding: 28px; border-radius: var(--radius); background: var(--accent-soft); }
.callout .hero-buttons { margin: 16px 0 0; }
.subsection { margin-top: 28px; }
.toc { margin: 24px 0 0; padding: 22px 24px; border: 1px solid var(--border); border-radius: var(--radius); background: var(--bg); }
.toc strong { display: block; color: var(--navy); margin-bottom: 8px; }
.toc ol { margin: 0; padding-left: 20px; display: grid; gap: 6px; }
.toc a { color: var(--navy); }
.broker-inline { position: static; display: inline-flex; box-shadow: none; border: 1px solid var(--border); }

/* Forms (quote request, quote planner) */
.lead-form { background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); margin-top: 8px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 18px; }
.form-grid .full { grid-column: 1 / -1; }
.lead-form label { display: grid; gap: 6px; font-weight: 600; font-size: .95rem; color: var(--navy); }
.lead-form label span { font-weight: 400; color: var(--muted); }
.lead-form input:not([type=checkbox]), .lead-form select, .lead-form textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: var(--radius-small);
  font: 400 1rem var(--font-body); color: var(--text); background: #fff;
}
.lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus { outline: 2px solid var(--accent); outline-offset: 1px; }
.lead-form .consent { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: .9rem; color: var(--muted); margin-bottom: 18px; }
.lead-form .consent input { margin-top: 4px; }
.field-hint, .small-note { font-size: .88rem; color: var(--muted); margin: 0; }
.small-note { margin-top: 14px; }
#form-status { margin-top: 14px; font-weight: 600; }
#form-status.error { color: #a12d2d; }
#form-status.success { color: #1f6b3a; }
.quote-context { margin: 0 0 12px; padding: 12px 16px; border-radius: var(--radius-small); background: var(--accent-soft); }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .lead-form { padding: 20px; } }

/* Quote planner result */
.planner-form h2 { font-size: 1.6rem; }
.planner-result { margin-top: 32px; }
.planner-empty { padding: 32px; border: 1px dashed var(--border); border-radius: var(--radius); text-align: center; }
.planner-empty h2 { font-size: 1.6rem; }
.planner-checklists { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 24px 0; }
.planner-checklists section { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.planner-checklists .eyebrow { font-size: .72rem; }
.planner-next { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 20px; align-items: center; background: var(--navy); color: var(--on-navy); border-radius: var(--radius); padding: 32px; }
.planner-next h2 { color: var(--on-navy); font-size: 1.6rem; }
.planner-next p { color: var(--on-navy-muted); }
.planner-next .text-link { color: var(--on-navy); display: block; margin-top: 12px; }
.planner-result .resource-links { margin-top: 24px; }
.planner-result .section-heading { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 16px; }
@media (max-width: 860px) { .planner-checklists { grid-template-columns: 1fr; } }
@media print { .site-header, .topbar, .site-footer, .planner-form, .planner-next .button { display: none; } }

/* Community directory */
.directory-search { margin: 28px 0 16px; max-width: 640px; }
.directory-search label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.directory-search div { display: flex; gap: 10px; }
.directory-search input { flex: 1; min-width: 0; height: 52px; padding: 0 18px; border: 1px solid var(--border); border-radius: 999px; font: 400 1rem var(--font-body); }
.directory-count { color: var(--muted); }
.directory-count a { color: var(--navy); }
.directory-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 10px; margin: 16px 0 24px; }
.directory-grid a { display: flex; justify-content: space-between; gap: 8px; align-items: baseline; padding: 14px 16px; border: 1px solid var(--border); border-radius: var(--radius-small); background: #fff; text-decoration: none; color: var(--navy); }
.directory-grid a:hover { border-color: var(--accent); }
.directory-grid span { font-size: .8rem; color: var(--muted); text-align: right; }
.pagination { display: flex; gap: 10px; margin-bottom: 24px; }

/* Footer extras */
.footer-links a { color: var(--on-navy-muted); }
.site-footer .footer-brand p { color: var(--on-navy-muted); }
.broker-card.broker-inline { position: static; left: auto; bottom: auto; margin: 16px 0; }
main { overflow-x: clip; }
.hero-note { margin-top: 18px; color: var(--muted); font-size: .95rem; }
.broker-quote { display: block; margin-top: 4px; font-style: normal; font-size: .85rem; color: var(--navy); }
.hero-photo span { letter-spacing: .1em; }
.section-head-block.continued { margin-top: 56px; }
.after-grid { margin-top: 20px; }
.after-grid p { color: var(--muted); font-size: .95rem; }
.directory-grid a { flex-direction: column; justify-content: flex-start; align-items: flex-start; gap: 2px; }
.directory-grid span { text-align: left; }
.button > span[aria-hidden="true"] { margin-left: 6px; }
.planner-result + * { margin-top: 64px; }
.list-label { margin: 24px 0 8px; font-size: .78rem; font-weight: 700; letter-spacing: .1em; color: var(--muted); }
.footer-logo { display: inline-block; margin-bottom: 14px; }
.footer-logo img { display: block; height: 52px; width: auto; }
/* About page: Daniel's photo */
.profile { display: grid; grid-template-columns: 300px 1fr; gap: 40px; align-items: center; margin-bottom: 16px; }
.profile-photo { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow); }
.profile-text .section-head-block { margin-bottom: 8px; }
.profile-text p { color: var(--muted); }
@media (max-width: 640px) { .profile { grid-template-columns: 1fr; gap: 24px; } .profile-photo { max-width: 320px; } }
.button { max-width: 100%; overflow-wrap: anywhere; text-align: center; }
@media (max-width: 420px) { .profile-text .button { font-size: .9rem; padding: 12px 18px; } }

/* Home page slideshow */
.slideshow { position: relative; }
.slides { position: relative; aspect-ratio: 800 / 680; border-radius: 22px; overflow: hidden; box-shadow: var(--shadow); background: var(--bg-alt); }
.slide { position: absolute; inset: 0; opacity: 0; transition: opacity .9s ease; text-decoration: none; }
.slide.is-active { opacity: 1; z-index: 1; }
.slide img { width: 100%; height: 100%; object-fit: cover; display: block; border-radius: 0; aspect-ratio: auto; }
.slide-caption {
  position: absolute; left: 18px; bottom: 18px; padding: 10px 16px; border-radius: 999px;
  background: rgba(255,255,255,.94); color: var(--navy); font-weight: 600; font-size: .95rem; box-shadow: var(--shadow);
}
.slide:hover .slide-caption { background: #fff; text-decoration: underline; text-underline-offset: 3px; }
.slideshow-label {
  position: absolute; z-index: 2; top: 18px; left: 18px; margin: 0; padding: 6px 12px; border-radius: 999px;
  background: var(--navy); color: var(--accent); font-size: .72rem; font-weight: 700; letter-spacing: .1em;
}
.slide-dots { display: flex; justify-content: center; gap: 10px; margin-top: 16px; }
.slide-dots button { width: 10px; height: 10px; padding: 0; border: 0; border-radius: 999px; background: var(--border); cursor: pointer; transition: width .3s, background .3s; }
.slide-dots button[aria-current="true"] { width: 28px; background: var(--accent); }
@media (prefers-reduced-motion: reduce) { .slide { transition: none; } }