/* ============================================================
   Cardinal Insurance Advisors, shared stylesheet
   ============================================================ */

:root{
  --red:        #CE1A26;
  --red-dark:   #A11420;
  --red-tint:   #FBEAEA;
  --ink:        #18181A;
  --ink-soft:   #52565B;
  --label:      #686C72;
  --line:       #E3E5E7;
  --bg:         #F2F3F4;
  --card:       #FFFFFF;
  --footer-bg:  #131313;
  --footer-text:#C7C9CB;
  --footer-muted:#83878B;
  --focus:      #1E63C9;

  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --red:        #E23A44;
    --red-dark:   #C22530;
    --red-tint:   #2A1417;
    --ink:        #F1F1F2;
    --ink-soft:   #B7BABD;
    --label:      #90949A;
    --line:       #2B2C2E;
    --bg:         #0D0D0E;
    --card:       #1A1A1C;
    --footer-bg:  #000000;
    --footer-text:#C7C9CB;
    --footer-muted:#75797D;
  }
}
:root[data-theme="dark"]{
  --red:        #E23A44;
  --red-dark:   #C22530;
  --red-tint:   #2A1417;
  --ink:        #F1F1F2;
  --ink-soft:   #B7BABD;
  --label:      #90949A;
  --line:       #2B2C2E;
  --bg:         #0D0D0E;
  --card:       #1A1A1C;
  --footer-bg:  #000000;
  --footer-text:#C7C9CB;
  --footer-muted:#75797D;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--sans);
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; }
@media (max-width:900px){
  html{ scroll-behavior:auto; }
}
h1,h2,h3{ font-family:var(--serif); font-weight:600; margin:0; text-wrap:balance; }
.cta-heading{ font-family:var(--serif); font-weight:600; margin:0; text-wrap:balance; }
p{ margin:0; }
button, input, select, textarea{ font-family:inherit; font-size:inherit; color:inherit; }
:focus-visible{ outline:2px solid var(--focus); outline-offset:2px; }
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; }
}

.wrap{
  max-width:1080px;
  margin-inline:auto;
  padding-inline:24px;
}

/* ---------- header / nav ---------- */
.site-header{
  background:var(--card);
  border-bottom:1px solid var(--line);
  border-top:3px solid var(--red);
  box-shadow:0 2px 16px -8px rgba(18,25,42,0.12);
  position:sticky;
  top:env(safe-area-inset-top, 0px);
  z-index:40;
}
.site-header .wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:20px;
  padding-block:14px;
  padding-left:10px;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  color:var(--ink);
  flex:0 0 auto;
}
.brand img.wordmark{
  height:52px;
  width:auto;
  display:block;
  background:#fff;
  padding:5px 10px;
  border-radius:2px;
}
.header-actions{
  display:flex;
  align-items:center;
  gap:10px;
  flex:0 0 auto;
}
.quote-btn{ padding-inline:18px; }
.icon-btn{
  display:flex;
  align-items:center;
  justify-content:center;
  width:44px;
  height:44px;
  flex:none;
  border:1px solid var(--line);
  border-radius:8px;
  background:none;
  color:var(--ink);
  text-decoration:none;
  cursor:pointer;
  box-sizing:border-box;
  transition:color 0.15s ease, border-color 0.15s ease, background 0.15s ease;
}
.icon-btn svg{ width:18px; height:18px; }
.icon-btn:hover{ color:var(--red); border-color:var(--red); background:var(--red-tint); }
.nav-links{
  display:none;
  order:5;
  width:100%;
  flex-direction:column;
  align-items:stretch;
  list-style:none;
  gap:0;
  margin:14px 0 0;
  padding-block:6px 10px;
  border-top:1px solid var(--line);
}
.nav-links.open{ display:flex; }
.nav-links a{
  display:block;
  width:100%;
  box-sizing:border-box;
  padding:18px 4px 18px 14px;
  margin:0;
  font-size:0.85rem;
  font-weight:600;
  letter-spacing:0.04em;
  text-transform:uppercase;
  text-decoration:none;
  color:var(--red);
  border-bottom:1px solid var(--line);
  border-left:3px solid transparent;
  transition:color 0.15s ease, border-color 0.15s ease, background 0.15s ease;
}
.nav-links li:last-child a{ border-bottom:none; }
.nav-links a:hover{ color:var(--red-dark); border-left-color:var(--red); background:var(--red-tint); }
.nav-links a[aria-current="page"]{
  color:var(--red-dark);
  border-left-color:var(--red);
  background:var(--red-tint);
  font-weight:800;
}

/* ---------- Coverage nav submenu ---------- */
.has-sub{ border-bottom:1px solid var(--line); }
.has-sub .nav-row{
  display:flex;
  align-items:stretch;
}
.has-sub .nav-row a{
  flex:1;
  border-bottom:none;
}
.sub-toggle{
  flex:none;
  width:52px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:none;
  border:none;
  border-left:1px solid var(--line);
  color:var(--red);
  cursor:pointer;
  transition:background 0.15s ease;
}
.sub-toggle:hover{ background:var(--red-tint); }
.sub-toggle svg{ width:16px; height:16px; transition:transform 0.2s ease; }
.has-sub.open .sub-toggle{ background:var(--red-tint); }
.has-sub.open .sub-toggle svg{ transform:rotate(180deg); }
.sub-nav{
  display:none;
  list-style:none;
  margin:0;
  padding:0;
  background:var(--bg);
}
.has-sub.open .sub-nav{ display:block; }
.sub-nav a{
  display:block;
  width:100%;
  box-sizing:border-box;
  padding:14px 4px 14px 34px;
  font-size:0.78rem;
  font-weight:600;
  letter-spacing:0.02em;
  text-transform:none;
  text-decoration:none;
  color:var(--ink-soft);
  border-bottom:1px solid var(--line);
  border-left:3px solid transparent;
  transition:color 0.15s ease, border-color 0.15s ease, background 0.15s ease;
}
.sub-nav a:hover{ color:var(--red-dark); border-left-color:var(--red); background:var(--red-tint); }
.sub-nav a[aria-current="page"]{
  color:var(--red-dark);
  border-left-color:var(--red);
  background:var(--red-tint);
  font-weight:800;
}
.cta-btn{
  flex:0 0 auto;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  background:var(--red);
  color:#fff;
  text-decoration:none;
  font-size:0.76rem;
  font-weight:700;
  letter-spacing:0.08em;
  text-transform:uppercase;
  padding:11px 20px;
  min-height:44px;
  box-sizing:border-box;
  border-radius:2px;
  border:1px solid var(--red);
  white-space:nowrap;
  transition:background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.cta-btn:hover{
  background:var(--red-dark);
  border-color:var(--red-dark);
  transform:translateY(-2px);
  box-shadow:0 12px 22px -10px rgba(140,25,38,0.5);
}
.cta-btn.outline:hover{ box-shadow:0 10px 20px -12px rgba(18,25,42,0.3); }
.cta-btn:active{ transform:translateY(0); }

/* ---------- go links (arrow links) ---------- */
.go{
  display:inline-flex;
  align-items:center;
  gap:5px;
  color:var(--red);
  font-weight:700;
  font-size:0.82rem;
  letter-spacing:0.03em;
  text-decoration:none;
  transition:gap 0.2s ease, color 0.2s ease;
  padding-block:15px;
  margin-block:-15px;
}
.go:hover{ gap:9px; color:var(--red-dark); }
.nav-toggle svg{ width:20px; height:20px; overflow:visible; }
.nav-toggle .ln{ transform-box:fill-box; transform-origin:center; transition:transform 0.22s ease, opacity 0.22s ease; }
.nav-toggle[aria-expanded="true"] .ln1{ transform:translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .ln2{ opacity:0; }
.nav-toggle[aria-expanded="true"] .ln3{ transform:translateY(-6px) rotate(-45deg); }
.nav-toggle[aria-expanded="true"]{ color:var(--red); border-color:var(--red); }

@media (max-width:520px){
  .quote-btn{ padding-inline:14px; font-size:0.7rem; }
}

/* ---------- eyebrow / hero ---------- */
.eyebrow{
  display:flex;
  align-items:center;
  gap:12px;
  font-size:0.72rem;
  font-weight:700;
  letter-spacing:0.18em;
  text-transform:uppercase;
  color:var(--red);
  margin-bottom:18px;
}
.eyebrow::before{
  content:"";
  width:30px;
  height:2px;
  background:var(--red);
  flex:none;
}
.eyebrow.no-dash::before{ display:none; }
.hero{ padding-block:64px 44px; }
.hero h1{
  font-size:clamp(2rem, 4.4vw, 2.9rem);
  line-height:1.12;
  max-width:20ch;
  margin-bottom:20px;
  letter-spacing:-0.01em;
}
.hero .lede{
  font-size:1.05rem;
  line-height:1.65;
  color:var(--ink-soft);
  max-width:62ch;
}
.hero-divider{
  border:none;
  border-top:1px solid var(--line);
  margin-top:40px;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.15fr 0.85fr;
  gap:48px;
  align-items:center;
}
.hero-grid > *{ min-width:0; }
.hero-grid .art-panel{ margin-top:0; }
@media (max-width:860px){
  .hero-grid{ grid-template-columns:1fr; }
  .hero-grid .art-panel{ max-width:340px; margin-inline:auto; }
}

/* ---------- call box (quick-facts card) ---------- */
.call-box{
  display:flex;
  flex-direction:column;
  max-width:440px;
  width:100%;
  padding:6px 28px;
}
.call-box.wide{ max-width:none; }
.call-box .qf-row{
  display:flex;
  align-items:center;
  gap:16px;
  padding:18px 0;
}
.call-box .qf-row:not(:last-child){ border-bottom:1px solid var(--line); }
.call-box .qf-row .icon-badge{ width:44px; height:44px; }
.call-box .qf-row .label{ font-size:0.68rem; font-weight:800; letter-spacing:0.08em; text-transform:uppercase; color:var(--label); }
.call-box .qf-row .value{ font-weight:700; font-size:0.98rem; color:var(--ink); margin-top:3px; line-height:1.5; }
.call-box .qf-row a.value{ text-decoration:none; color:var(--ink); }
.call-box .qf-row a.value:hover{ color:var(--red); }
/* ---------- call box, vivid variant (homepage quick-facts) ---------- */
.call-box-vivid{
  position:relative;
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  max-width:900px;
  width:100%;
  padding:0;
  overflow:hidden;
  border-radius:18px;
}
.call-box-vivid::before{
  content:"";
  position:absolute;
  top:0; left:0; right:0;
  height:5px;
  background:linear-gradient(90deg, var(--red) 0%, #ff7a5c 100%);
}
.call-box-vivid .qf-row{
  flex-direction:column;
  align-items:center;
  text-align:center;
  gap:0;
  padding:38px 22px 30px;
}
.call-box-vivid .qf-row:not(:last-child){
  border-bottom:none;
  border-right:1px solid var(--line);
}
.call-box-vivid .icon-badge{ width:58px; height:58px; margin-bottom:16px; }
.call-box-vivid .icon-badge svg{ width:26px; height:26px; }
.call-box-vivid-two{ grid-template-columns:repeat(2, 1fr); max-width:620px; }
.call-box-vivid .qf-row .label{ font-size:0.72rem; }
.call-box-vivid .qf-row .value{ margin-top:8px; font-size:1.05rem; }
@media (max-width:720px){
  .call-box-vivid{ grid-template-columns:1fr; }
  .call-box-vivid .qf-row{ padding:28px 22px; }
  .call-box-vivid .qf-row:not(:last-child){ border-right:none; border-bottom:1px solid var(--line); }
}

/* ---------- quick match CTA ---------- */
.match-box{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
  background:var(--bg);
  border-top-color:var(--line);
}
.match-box h2{ margin:0; }
.match-box .cta-btn{ flex:none; }
@media (max-width:640px){
  .match-box{ flex-direction:column; align-items:stretch; text-align:center; }
  .match-box .cta-btn{ width:100%; text-align:center; }
}

section{ padding-block:64px; }
.section-tight{ padding-block:0 64px; }

/* ---------- generic red-top card ---------- */
.rcard{
  background:var(--card);
  border-top:2px solid var(--red);
  border-bottom:1px solid var(--line);
  border-inline:1px solid var(--line);
  border-radius:0 0 2px 2px;
  padding:30px;
  box-shadow:0 1px 2px rgba(18,25,42,0.03), 0 14px 30px -26px rgba(18,25,42,0.35);
  transition:transform 0.25s ease, box-shadow 0.25s ease;
}
.card-grid .rcard:hover{
  transform:translateY(-4px);
  box-shadow:0 20px 34px -16px rgba(18,25,42,0.22);
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .card-grid .rcard:hover{
    box-shadow:0 14px 28px -12px rgba(0,0,0,0.55);
  }
}
:root[data-theme="dark"] .card-grid .rcard:hover{
  box-shadow:0 14px 28px -12px rgba(0,0,0,0.55);
}
.card-grid{
  display:grid;
  gap:18px;
  margin-top:8px;
}
.card-grid.two{ grid-template-columns:repeat(2, 1fr); }
.card-grid.three{ grid-template-columns:repeat(3, 1fr); }
.card-grid.four{ grid-template-columns:repeat(4, 1fr); }
@media (max-width:820px){
  .card-grid.two, .card-grid.three, .card-grid.four{ grid-template-columns:1fr; }
}

/* ---------- reviews ---------- */
.review-stars{
  display:flex;
  justify-content:center;
  gap:6px;
  margin-bottom:16px;
}
.review-stars svg{ width:22px; height:22px; color:var(--line); }

/* ---------- real client reviews ---------- */
.review-card{ display:flex; flex-direction:column; height:100%; }
.review-card .review-stars{ justify-content:flex-start; margin-bottom:14px; }
.review-card .review-stars svg{ width:16px; height:16px; color:var(--red); fill:var(--red); }
.review-card .quote-text{
  color:var(--ink);
  line-height:1.6;
  flex:1;
}
.review-card .review-meta{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:10px;
  margin-top:18px;
  padding-top:14px;
  border-top:1px solid var(--line);
  flex-wrap:wrap;
}
.review-card .reviewer{ font-family:var(--serif); font-weight:700; font-size:0.98rem; }
.review-card .review-tag{
  font-size:0.68rem;
  font-weight:800;
  letter-spacing:0.06em;
  text-transform:uppercase;
  color:var(--red);
}

/* ---------- category feature cards ---------- */
.cat-grid{ align-items:start; }
.cat-card{
  display:flex;
  flex-direction:column;
  height:auto;
  background:var(--card);
  border:2px solid var(--ink);
  border-radius:16px;
  overflow:hidden;
  box-shadow:0 1px 2px rgba(18,25,42,0.03), 0 14px 30px -26px rgba(18,25,42,0.35);
  transition:transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.cat-card:hover{
  border-color:var(--red);
  transform:translateY(-5px);
  box-shadow:0 22px 38px -18px rgba(18,25,42,0.25);
}
.cat-card:hover .cat-badge{ background:var(--red-dark); }
.cat-banner{
  position:relative;
  height:150px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:linear-gradient(160deg, var(--red-tint), var(--bg));
  overflow:hidden;
}
.cat-banner svg{ width:60px; height:60px; color:var(--red); position:relative; z-index:1; transition:transform 0.3s ease; }
.cat-card:hover .cat-banner svg{ transform:scale(1.08) rotate(-2deg); }
.cat-banner img{ width:92px; height:92px; object-fit:contain; position:relative; z-index:1; transition:transform 0.3s ease; filter:drop-shadow(0 6px 12px rgba(197,29,29,0.18)); }
.cat-card:hover .cat-banner img{ transform:scale(1.08) rotate(-2deg); }
.cat-card-compact .cat-banner img{ width:82px; height:82px; }
.cat-badge{
  position:absolute;
  top:14px;
  right:14px;
  background:var(--red);
  color:#fff;
  font-size:0.64rem;
  font-weight:800;
  letter-spacing:0.1em;
  text-transform:uppercase;
  padding:6px 12px;
  border-radius:2px;
  z-index:1;
}
.cat-body{ display:flex; flex-direction:column; flex:1; padding:26px 28px 28px; }
.cat-body h3{ font-size:1.5rem; margin-bottom:10px; color:var(--red); }
.cat-body > p.lede{ color:var(--ink-soft); line-height:1.6; margin-bottom:18px; }
.cat-body .cov-chip-row{ flex:1; align-content:flex-start; }
.detail-list{
  list-style:none;
  margin:0 0 18px;
  padding:0;
  border-top:1px solid var(--line);
}
.detail-list li{
  display:flex;
  align-items:center;
  gap:10px;
  padding:11px 4px;
  border-bottom:1px solid var(--line);
  font-size:0.9rem;
  font-weight:600;
  border-left:3px solid var(--red);
  padding-left:12px;
  transition:background 0.15s ease, padding-left 0.15s ease;
}
.detail-list li:nth-child(even){ background:var(--bg); }
.detail-list li:hover{ padding-left:18px; background:var(--red-tint); }

.cat-card-compact .cat-banner{ height:110px; }
.cat-card-compact .cat-banner svg{ width:44px; height:44px; }
.cat-card-compact .cat-body{ padding:24px 26px 26px; }
.cat-card-compact .cat-body h3{ font-size:1.28rem; }
.cov-chip-row{
  display:flex;
  flex-direction:column;
}
.cov-chip{
  display:flex;
  align-items:center;
  background:none;
  border:none;
  border-bottom:1px solid var(--line);
  color:var(--red);
  border-radius:0;
  padding:12px 2px;
  font-size:0.86rem;
  font-weight:700;
  letter-spacing:0.01em;
  line-height:1.3;
  transition:border-color 0.2s ease, padding-left 0.2s ease;
}
.cov-chip:first-child{ padding-top:0; }
.cov-chip:last-child{ border-bottom:none; }
.cat-card:hover .cov-chip{ border-color:var(--red); }
.cov-chip:hover{ padding-left:8px; }

/* ---------- quick jump tiles ---------- */
.quick-tile-grid{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:14px;
  margin-top:26px;
}
.quick-tile{
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  gap:12px;
  aspect-ratio:1 / 1;
  padding:18px 10px;
  background:var(--card);
  border:2px solid var(--ink);
  border-radius:16px;
  text-decoration:none;
  color:var(--ink);
  text-align:center;
  box-shadow:0 1px 2px rgba(18,25,42,0.03), 0 14px 30px -26px rgba(18,25,42,0.35);
  transition:transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.quick-tile img{
  width:48px;
  height:48px;
  object-fit:contain;
  transition:transform 0.2s ease;
}
.quick-tile span{
  font-family:var(--sans);
  font-size:0.86rem;
  font-weight:700;
  line-height:1.25;
}
.quick-tile:hover{
  transform:translateY(-5px);
  border-color:var(--red);
  box-shadow:0 20px 34px -16px rgba(18,25,42,0.22);
}
.quick-tile:hover img{ transform:scale(1.08); }
.quick-tile-static{ cursor:default; }
.quick-tile-static:hover{ transform:none; border-color:var(--ink); box-shadow:0 1px 2px rgba(18,25,42,0.03), 0 14px 30px -26px rgba(18,25,42,0.35); }
.quick-tile-static:hover img{ transform:none; }
@media (max-width:640px){
  .quick-tile-grid{ grid-template-columns:repeat(2, 1fr); gap:10px; }
  .quick-tile{ padding:16px 8px; }
  .quick-tile img{ width:40px; height:40px; }
  .quick-tile span{ font-size:0.8rem; }
}

/* ---------- lines-of-business badge ---------- */
.lines-card{
  display:inline-flex;
  align-items:center;
  gap:14px;
  margin:20px 0 6px;
  padding-left:16px;
  border-left:3px solid var(--red);
  font-family:var(--serif);
  font-weight:700;
  font-size:1.05rem;
  letter-spacing:0.01em;
  color:var(--ink);
}
.lines-card .sep{ color:var(--red); font-weight:400; }
@media (max-width:640px){
  .lines-card{ gap:10px; padding-left:12px; font-size:0.92rem; flex-wrap:wrap; }
}

/* ---------- pills ---------- */
/* ---------- step cards ---------- */
.step-card{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:8px;
}
.step-card .step-icon{
  display:flex;
  align-items:center;
  justify-content:center;
  width:48px;
  height:48px;
  border-radius:12px;
  background:var(--red-tint);
  color:var(--red);
  margin-bottom:6px;
}
.step-card .step-icon svg{ width:22px; height:22px; }
.step-card .step-num{
  font-size:0.72rem;
  font-weight:800;
  letter-spacing:0.12em;
  text-transform:uppercase;
  color:var(--red);
}
.step-card h3{ font-family:var(--sans); font-size:1.08rem; font-weight:700; }
.step-card p{ color:var(--ink-soft); line-height:1.55; font-size:0.92rem; }
.step-card.compact{ padding:20px; gap:4px; position:relative; }
.step-dot{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:28px;
  height:28px;
  border-radius:50%;
  background:var(--red);
  color:#fff;
  font-weight:800;
  font-size:0.76rem;
  margin-bottom:4px;
}
.card-grid.three > .step-card.compact:not(:last-child)::after{
  content:'';
  position:absolute;
  top:34px;
  left:calc(100% + 1px);
  width:17px;
  height:0;
  border-top:2px dashed var(--red);
  opacity:0.55;
}
@media (max-width:820px){
  .card-grid.three > .step-card.compact::after{ display:none; }
}

/* ---------- info table ---------- */
.info-table{ margin-top:22px; }
.info-row{
  display:grid;
  grid-template-columns:200px 1fr;
  gap:20px;
  padding-block:16px;
  border-top:1px solid var(--line);
}
.info-row:last-child{ border-bottom:1px solid var(--line); }
.info-row .k{
  font-size:0.7rem;
  font-weight:800;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--red);
}
.info-row .v{ font-weight:600; }
@media (max-width:600px){
  .info-row{ grid-template-columns:1fr; gap:4px; }
}

/* ---------- art panels (no external images; drawn) ---------- */
.art-panel{
  background:var(--card);
  border-top:2px solid var(--red);
  border-bottom:1px solid var(--line);
  overflow:hidden;
  position:relative;
}
.art-panel .art-canvas{
  aspect-ratio:16/9;
  width:100%;
}
.art-caption{
  padding:14px 22px;
  font-size:0.78rem;
  font-weight:600;
  color:var(--ink-soft);
  border-top:1px solid var(--line);
}
.photo-panel .art-canvas{ height:auto; }
.photo-panel .art-caption{
  display:flex;
  flex-direction:column;
  gap:2px;
  padding:16px 22px;
  border-top:1px solid var(--line);
  background:var(--card);
}
.photo-panel .art-caption .role{
  font-size:0.68rem;
  font-weight:800;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--red);
}
.photo-panel .art-caption .name{
  font-family:var(--serif);
  font-weight:700;
  font-size:1.1rem;
  color:var(--ink);
}
@media (max-width:640px){
  .hero-grid .photo-panel{ max-width:280px; }
}
.map-panel iframe{ aspect-ratio:16/9; width:100%; display:block; border:0; }

/* ---------- meet-the-broker strip ---------- */
.meet-broker{
  display:flex;
  align-items:center;
  gap:20px;
  flex-wrap:wrap;
}
.meet-broker .broker-photo{ width:64px; height:64px; }
.meet-broker .meet-text{ flex:1; min-width:200px; }
.meet-broker .meet-text p{ margin:0; color:var(--ink-soft); font-size:0.92rem; }
.meet-broker .meet-text strong{ color:var(--ink); }

/* ---------- pull quote ---------- */
.quote-card{
  position:relative;
  padding:44px 34px 32px;
  overflow:hidden;
}
.quote-card::before{
  content:"\201C";
  position:absolute;
  top:-14px;
  left:26px;
  font-family:var(--serif);
  font-size:6.5rem;
  font-weight:700;
  line-height:1;
  color:var(--red-tint);
  z-index:0;
}
.quote-card p{
  position:relative;
  z-index:1;
  font-family:var(--serif);
  font-size:1.35rem;
  line-height:1.5;
  font-style:italic;
  color:var(--ink);
}
.quote-attribution{
  display:flex;
  align-items:center;
  gap:14px;
  margin-top:24px;
  padding-top:20px;
  border-top:1px solid var(--line);
}
.quote-attribution .broker-photo{ width:52px; height:52px; }
.quote-person{ display:flex; flex-direction:column; }
.quote-person .name{ font-family:var(--serif); font-weight:700; font-size:0.98rem; color:var(--ink); }
.quote-person .title{ font-size:0.78rem; color:var(--label); margin-top:2px; }

/* ---------- form ---------- */
.field{ display:flex; flex-direction:column; gap:6px; margin-top:18px; }
.field label{
  font-size:0.7rem;
  font-weight:700;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--ink-soft);
}
.field input, .field select, .field textarea{
  background:var(--bg);
  border:1px solid var(--red);
  border-radius:2px;
  padding:12px 14px;
  color:var(--ink);
  transition:border-color 0.2s ease, box-shadow 0.2s ease;
}
.field input:focus, .field select:focus, .field textarea:focus{ border-color:var(--red-dark); box-shadow:0 0 0 3px var(--red-tint); outline:none; }
.field textarea{ resize:vertical; min-height:110px; }
.submit-btn{
  margin-top:24px;
  width:100%;
  background:var(--red);
  color:#fff;
  border:1px solid var(--red);
  border-radius:2px;
  padding:15px 14px;
  min-height:44px;
  box-sizing:border-box;
  font-weight:700;
  letter-spacing:0.08em;
  text-transform:uppercase;
  font-size:0.85rem;
  cursor:pointer;
  transition:background 0.2s ease, transform 0.2s ease;
}
.submit-btn:hover{ background:var(--red-dark); border-color:var(--red-dark); transform:translateY(-1px); }
.form-note{
  margin-top:12px;
  font-size:0.78rem;
  color:var(--label);
}

/* ---------- footer ---------- */
.site-footer{
  background:var(--footer-bg);
  color:var(--footer-text);
  border-top:3px solid var(--red);
  margin-top:60px;
}
.site-footer .wrap{
  padding-block:52px 30px;
  display:grid;
  grid-template-columns:1.6fr repeat(5, minmax(120px, 1fr));
  gap:40px 28px;
}
@media (max-width:980px){
  .site-footer .wrap{ grid-template-columns:1fr 1fr 1fr; }
}
@media (max-width:700px){
  .site-footer .wrap{ grid-template-columns:1fr; }
}
.foot-brand{ display:flex; align-items:center; gap:12px; margin-bottom:16px; }
.foot-brand img.brand-icon{
  height:30px;
  width:30px;
  object-fit:contain;
  background:var(--red-tint);
  border-radius:50%;
  padding:7px;
  box-sizing:content-box;
}
.foot-brand .word{ font-family:var(--serif); font-size:1.15rem; font-weight:700; color:#fff; letter-spacing:0.01em; }
.site-footer .desc{ line-height:1.6; font-size:0.9rem; max-width:36ch; color:var(--footer-text); }
.foot-col h3{
  font-family:var(--sans);
  font-size:0.7rem;
  font-weight:800;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:#fff;
  margin-bottom:14px;
  padding-bottom:10px;
  border-bottom:2px solid var(--red);
  display:inline-block;
}
.foot-col ul{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:10px; }
.foot-col a{ text-decoration:none; font-size:0.88rem; color:var(--footer-text); transition:color 0.2s ease; }
.foot-col a:hover{ color:var(--red); }
.foot-col p{ font-size:0.88rem; color:var(--footer-text); line-height:1.6; }
.foot-col .strong{ color:var(--red); font-weight:700; }
.site-footer .bottom{
  border-top:1px solid #2A2A2A;
}
.site-footer .bottom .wrap{
  padding-block:20px;
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:10px;
  font-size:0.78rem;
  color:var(--footer-muted);
}

/* ---------- FAQ ---------- */
.faq-list{ display:flex; flex-direction:column; border-top:1px solid var(--line); border-bottom:1px solid var(--line); overflow:hidden; border-radius:12px; }
.faq-item{
  background:var(--bg);
  padding:22px 24px;
}
.faq-item:nth-child(even){ background:var(--card); }
.faq-item summary{
  cursor:pointer;
  font-weight:600;
  font-size:1.02rem;
  list-style:none;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding-block:5px;
  margin-block:-5px;
}
.faq-item summary h4{
  font-family:inherit;
  font-weight:inherit;
  font-size:inherit;
  margin:0;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{
  content:"+";
  color:var(--red);
  font-size:1.4rem;
  font-weight:700;
  flex:none;
  line-height:1;
  transition:transform 0.15s ease;
}
.faq-item[open] summary::after{ content:"\2212"; }
.faq-item p{
  margin-top:14px;
  color:var(--ink-soft);
  line-height:1.6;
}

/* ---------- Values grid (About page) ---------- */
.values-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(180px, 1fr));
  gap:18px;
}
.value-card-modern{
  background:var(--card);
  border-top:2px solid var(--red);
  border-bottom:1px solid var(--line);
  border-inline:1px solid var(--line);
  border-radius:0 0 2px 2px;
  padding:30px 22px;
  text-align:center;
  box-shadow:0 1px 2px rgba(18,25,42,0.03), 0 14px 30px -26px rgba(18,25,42,0.35);
  transition:transform 0.25s ease, box-shadow 0.25s ease;
}
.value-card-modern:hover{
  transform:translateY(-4px);
  box-shadow:0 20px 34px -16px rgba(18,25,42,0.22);
}
.value-card-modern .icon-badge{ margin:0 auto 16px; }
.value-card-modern h3{
  font-family:var(--serif);
  font-size:1.15rem;
  font-weight:700;
  color:var(--ink);
  margin:0 0 8px;
}
.value-card-modern p{
  color:var(--ink-soft);
  font-size:0.86rem;
  line-height:1.5;
  margin:0;
}

/* ---------- hours list (footer) ---------- */
.hours-list{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:4px; }
.hours-list li{ display:flex; justify-content:space-between; gap:16px; font-size:0.85rem; color:var(--footer-text); }

/* ---------- license strip ---------- */
.license-strip{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:20px;
}
.license-chip{
  display:flex;
  flex-direction:column;
  gap:6px;
  min-width:200px;
  padding:2px 0 0;
}
.license-chip .lk{ font-size:0.66rem; font-weight:800; letter-spacing:0.1em; text-transform:uppercase; color:var(--red); }
.license-chip .lv{
  font-weight:700;
  font-size:0.92rem;
  padding-bottom:12px;
  border-bottom:2px solid var(--red);
}

/* ---------- avatar placeholder ---------- */
.avatar{
  border-radius:50%;
  background:linear-gradient(145deg, var(--red), var(--red-dark));
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:var(--serif);
  font-weight:700;
  letter-spacing:0.02em;
  flex:none;
}
.broker-photo{
  width:84px;
  height:84px;
  border-radius:50%;
  object-fit:cover;
  object-position:top center;
  flex:none;
  border:2px solid var(--red);
}
.broker-row{ display:flex; align-items:center; gap:18px; margin-top:18px; }
.broker-row .name-block{ display:flex; flex-direction:column; gap:2px; }
.broker-row .name-block h2{ font-family:var(--serif); font-size:1.3rem; font-weight:700; }
.broker-row .name-block span{ font-size:0.78rem; color:var(--label); }

/* ---------- product cards ---------- */
.product-card{ display:flex; flex-direction:column; gap:10px; }
.product-card.blog-link{ text-decoration:none; color:inherit; }
.product-card.blog-link h3{ transition:color 0.2s ease; }
.product-card.blog-link:hover h3{ color:var(--red); }
.product-icon{ width:30px; height:30px; color:var(--red); flex:none; }
.product-card h3{ font-family:var(--serif); font-size:1.15rem; }
.product-card p{ color:var(--ink-soft); line-height:1.55; flex:1; }
.product-card .go{ margin-top:4px; margin-bottom:-15px; }

/* ---------- icon badge (standalone) ---------- */
.icon-badge{
  display:flex;
  align-items:center;
  justify-content:center;
  width:48px;
  height:48px;
  flex:none;
  border-radius:50%;
  background:var(--red-tint);
  color:var(--red);
  transition:background 0.18s ease, color 0.18s ease, transform 0.18s ease;
}
.icon-badge svg{ width:22px; height:22px; }

/* ---------- compact category strip ---------- */
.mini-cat{
  display:flex;
  flex-direction:row;
  align-items:flex-start;
  text-align:left;
  gap:16px;
  padding:28px 24px;
  text-decoration:none;
  color:var(--ink);
  transition:transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.mini-cat .icon-badge{
  display:flex;
  align-items:center;
  justify-content:center;
  width:48px;
  height:48px;
  flex:none;
  border-radius:50%;
  background:var(--red-tint);
  color:var(--red);
  transition:background 0.18s ease, color 0.18s ease, transform 0.18s ease;
}
.mini-cat .icon-badge svg{ width:22px; height:22px; }
.mini-text{ display:flex; flex-direction:column; }
.label{ font-family:var(--sans); font-weight:700; font-size:0.98rem; }
.blurb{
  font-size:0.86rem;
  color:var(--ink-soft);
  line-height:1.5;
  margin-top:6px;
}
.mini-go{
  display:inline-block;
  font-family:var(--sans);
  font-size:0.76rem;
  font-weight:700;
  letter-spacing:0.02em;
  color:var(--red);
  margin-top:14px;
  transition:gap 0.18s ease;
}
a.mini-cat:hover{ transform:translateY(-3px); box-shadow:0 1px 2px rgba(18,25,42,0.04), 0 20px 34px -24px rgba(18,25,42,0.4); }
a.mini-cat:hover .icon-badge{ background:var(--red); color:#fff; transform:scale(1.06); }
.mini-cat-img .mini-icon-wrap{
  display:flex;
  align-items:center;
  justify-content:center;
  width:48px;
  height:48px;
  flex:none;
}
.mini-cat-img .mini-icon-img{
  width:100%;
  height:100%;
  object-fit:contain;
  transition:transform 0.18s ease;
}
a.mini-cat-img:hover .mini-icon-img{ transform:scale(1.1); }

.value-tight{
  border-top:1px solid var(--line);
  border-radius:10px;
  padding:22px 20px;
  gap:14px;
}
.value-tight .icon-badge{ width:42px; height:42px; }
.value-tight .icon-badge svg{ width:20px; height:20px; }
.value-tight .blurb{ margin-top:4px; }

/* ---------- product feature cards (bigger, distinct from mini-cat) ---------- */
.product-feature{
  position:relative;
  display:flex;
  flex-direction:column;
  align-items:center;
  text-align:center;
  gap:0;
  padding:46px 30px 34px;
  text-decoration:none;
  color:var(--ink);
  border:1px solid var(--line);
  border-radius:20px;
  overflow:hidden;
  box-shadow:0 2px 6px rgba(18,25,42,0.05), 0 26px 46px -30px rgba(18,25,42,0.4);
  transition:transform 0.28s cubic-bezier(.22,1,.36,1), box-shadow 0.28s ease, border-color 0.28s ease;
}
.product-feature::before{
  content:"";
  position:absolute;
  top:0; left:0; right:0;
  height:5px;
  background:linear-gradient(90deg, var(--red) 0%, #ff7a5c 100%);
  opacity:0.9;
}
.product-feature .feature-icon-wrap{
  position:relative;
  display:flex;
  align-items:center;
  justify-content:center;
  width:108px;
  height:108px;
  flex:none;
  margin-bottom:22px;
}
.product-feature .feature-icon-glow{
  position:absolute;
  inset:0;
  border-radius:50%;
  background:radial-gradient(circle, var(--red-tint) 0%, rgba(196,30,30,0.05) 55%, transparent 75%);
  transition:transform 0.35s ease, opacity 0.35s ease;
}
.product-feature .feature-icon-img{
  position:relative;
  width:74px;
  height:74px;
  object-fit:contain;
  filter:drop-shadow(0 10px 16px rgba(196,30,30,0.22));
  transition:transform 0.3s cubic-bezier(.22,1,.36,1);
}
.product-feature .mini-text{ align-items:center; }
.product-feature .label{ font-family:var(--serif); font-weight:700; font-size:1.22rem; color:var(--red); }
.product-feature .blurb{ font-size:0.94rem; margin-top:10px; color:var(--ink-soft); line-height:1.55; }
.product-feature .mini-go{
  align-self:center;
  margin-top:20px;
  font-size:0.8rem;
  font-weight:800;
  letter-spacing:0.01em;
  color:var(--red);
  background:var(--red-tint);
  padding:9px 20px;
  border-radius:999px;
  transition:background 0.22s ease, color 0.22s ease, transform 0.22s ease;
}
.product-feature:hover{
  transform:translateY(-10px) scale(1.015);
  box-shadow:0 6px 14px rgba(18,25,42,0.07), 0 40px 60px -28px rgba(196,30,30,0.4);
  border-color:rgba(196,30,30,0.35);
}
.product-feature:hover .feature-icon-glow{ transform:scale(1.15); opacity:1; }
.product-feature:hover .feature-icon-img{ transform:scale(1.1) rotate(-4deg); }
.product-feature:hover .mini-go{ background:var(--red); color:#fff; transform:translateY(-1px); }
@media (max-width:520px){
  .product-feature{ padding:38px 24px 28px; border-radius:16px; }
  .product-feature .feature-icon-wrap{ width:88px; height:88px; margin-bottom:18px; }
  .product-feature .feature-icon-img{ width:60px; height:60px; }
}

/* ---------- carrier panel ---------- */
.carrier-panel{
  margin-top:22px;
  padding:0;
  overflow:hidden;
}
.carrier-grid{
  display:grid;
  grid-template-columns:repeat(5, 1fr);
  gap:0;
}
.carrier-tile{
  display:flex;
  align-items:center;
  justify-content:center;
  height:104px;
  padding:20px 26px;
  background:#fff;
  border:0.5px solid var(--line);
  transition:background 0.2s ease, border-color 0.2s ease;
}
.carrier-tile img{
  max-width:100%;
  max-height:44px;
  width:auto;
  height:auto;
  object-fit:contain;
  transition:transform 0.25s ease;
}
.carrier-tile:hover{ background:#FBEAEA; border-color:var(--red); }
.carrier-tile:hover img{ transform:scale(1.06); }
@media (max-width:520px){
  .carrier-tile{ height:88px; padding:16px 18px; }
  .carrier-tile img{ max-height:36px; }
}
@media (max-width:820px){
  .carrier-grid{ grid-template-columns:repeat(3, 1fr); }
}
@media (max-width:520px){
  .carrier-grid{ grid-template-columns:repeat(2, 1fr); }
}

/* ---------- town tiles ---------- */
.town-row{
  display:grid;
  grid-template-columns:repeat(auto-fill, minmax(175px, 1fr));
  gap:10px;
  margin-top:22px;
}
.town-chip{
  display:inline-flex;
  align-items:center;
  gap:9px;
  background:var(--card);
  color:var(--ink);
  border:1.5px solid var(--line);
  border-radius:10px;
  padding:11px 14px;
  font-size:0.86rem;
  font-weight:600;
  letter-spacing:0.01em;
  text-decoration:none;
  transition:background 0.18s ease, color 0.18s ease, border-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
  box-shadow:0 1px 2px rgba(18,25,42,0.03);
}
.town-chip svg{
  width:15px;
  height:15px;
  flex-shrink:0;
  color:var(--red);
  transition:color 0.18s ease;
}
a.town-chip:hover{
  background:var(--red-tint);
  color:var(--red);
  border-color:var(--red);
  transform:translateY(-2px);
  box-shadow:0 10px 20px -14px rgba(18,25,42,0.3);
}
@media (max-width:480px){
  .town-row{ grid-template-columns:repeat(2, 1fr); }
  .town-chip{ padding:10px 12px; font-size:0.82rem; }
}

/* ---------- hero CTA row ---------- */
.hero-cta-row{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:26px;
}
.cta-btn.large{
  padding:15px 26px;
  font-size:0.85rem;
  min-width:250px;
  text-align:center;
}
@media (max-width:480px){
  .cta-btn.large{ min-width:0; flex:1 1 auto; }
}
.cta-btn.outline{
  background:transparent;
  color:var(--red);
  border:1.5px solid var(--red);
}
.cta-btn.outline:hover{ background:var(--red-tint); }

/* ---------- closing CTA panel (dark, for visual contrast against white cards) ---------- */
.rcard.cta-dark{
  background:#17171A;
  border-color:#17171A;
  color:#fff;
}
.rcard.cta-dark .eyebrow{ color:#F0525C; }
.rcard.cta-dark .eyebrow::before{ background:#F0525C; }
.rcard.cta-dark h2{ color:#fff; }
.rcard.cta-dark p.lede{ color:#C7C9CB; }
.rcard.cta-dark .cta-btn.outline{
  color:#fff;
  border-color:#fff;
}
.rcard.cta-dark .cta-btn.outline:hover{ background:rgba(255,255,255,0.1); }

/* utility */
.mt-8{ margin-top:8px; }
.mt-16{ margin-top:16px; }
.mt-24{ margin-top:24px; }
.mt-40{ margin-top:40px; }
.center{ text-align:center; }

/* ---------- trust strip ---------- */
.trust-strip{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  padding:8px 32px;
}
.trust-strip .trust-item{
  display:flex;
  align-items:center;
  gap:14px;
  flex:1 1 220px;
  padding:20px 12px;
}
.trust-strip .trust-item:not(:last-child){ border-right:1px solid var(--line); }
.trust-strip .icon-badge{ width:40px; height:40px; }
.trust-strip .icon-badge svg{ width:18px; height:18px; }
.trust-strip .label{ font-size:0.84rem; line-height:1.3; }
.trust-strip .mini-text{ display:flex; flex-direction:column; gap:3px; }
.verify-link{
  font-size:0.7rem;
  font-weight:500;
  color:var(--red);
  text-decoration:none;
}
.verify-link strong{ font-weight:800; }
.verify-link:hover{ text-decoration:underline; }
@media (max-width:820px){
  .trust-strip{ flex-direction:column; padding:8px 26px; }
  .trust-strip .trust-item{ flex:none; width:100%; padding:16px 0; }
  .trust-strip .trust-item:not(:last-child){ border-right:none; border-bottom:1px solid var(--line); }
}

/* ---------- sticky mobile call bar ---------- */
.sticky-call-bar{ display:none; }
@media (max-width:760px){
  .sticky-call-bar{
    display:flex;
    position:fixed;
    left:0;
    right:0;
    bottom:0;
    z-index:60;
    box-shadow:0 -6px 18px rgba(18,25,42,0.14);
    padding-bottom:env(safe-area-inset-bottom,0px);
  }
  .sticky-call-bar a{
    flex:1;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    padding:14px 10px;
    font-size:0.86rem;
    font-weight:800;
    letter-spacing:0.01em;
    text-decoration:none;
  }
  .sticky-call-bar svg{ width:17px; height:17px; }
  .scb-call{ background:var(--red); color:#fff; }
  .scb-quote{ background:var(--ink); color:#fff; }
  body{ padding-bottom:52px; }
}

/* ---------- hero mini trust row ---------- */
.mini-trust-row{
  display:flex;
  flex-wrap:wrap;
  gap:10px 18px;
  font-size:0.78rem;
  font-weight:700;
  color:var(--ink-soft);
}
.mini-trust-row span{
  position:relative;
  padding-left:16px;
}
.mini-trust-row span::before{
  content:"";
  position:absolute;
  left:0;
  top:50%;
  transform:translateY(-50%);
  width:7px;
  height:7px;
  border-radius:50%;
  background:var(--red);
}

/* ---------- mobile menu quote button ---------- */
.nav-quote-item{ padding:14px; border-bottom:1px solid var(--line); }
.nav-links a.nav-quote-btn{
  display:flex;
  width:100%;
  box-sizing:border-box;
  text-align:center;
  justify-content:center;
  text-transform:none;
  letter-spacing:0;
  font-size:0.92rem;
  padding:14px;
  color:#fff;
  border-bottom:none;
  border-radius:2px;
}
.nav-links a.nav-quote-btn:hover{ color:#fff; background:var(--red-dark); }

/* ---------- breadcrumb ---------- */
.breadcrumb{
  border-bottom:1px solid var(--line);
  background:var(--bg);
}
.breadcrumb .wrap{ padding-block:10px; }
.breadcrumb ol{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:8px;
  list-style:none;
  margin:0;
  padding:0;
  font-size:0.8rem;
  color:var(--label);
}
.breadcrumb li{ display:flex; align-items:center; gap:8px; }
.breadcrumb a{
  color:var(--label);
  text-decoration:none;
}
.breadcrumb a:hover{ color:var(--red); text-decoration:underline; }
.breadcrumb li[aria-current="page"]{
  color:var(--ink-soft);
  font-weight:600;
}
.breadcrumb .crumb-sep{ color:var(--line); }
@media (max-width:640px){
  .breadcrumb ol{ font-size:0.74rem; }
}

/* ---------- scroll reveal ---------- */
.reveal{ opacity:0; transform:translateY(16px); transition:opacity 0.5s ease, transform 0.5s ease; }
.reveal.in-view{ opacity:1; transform:none; }
@media (prefers-reduced-motion:reduce){
  .reveal{ opacity:1; transform:none; transition:none; }
}