/* =================================================================
   FRANK IBRAHIM · FARMERS INSURANCE
   Design System — "Meridian" premium theme
   Deep midnight navy + refined gold, editorial serif + clean sans
   ================================================================= */

/* ---------- Tokens ---------- */
:root {
  /* Brand palette — Farmers Insurance: royal blue + red + white */
  /* Blue family (primary / dark surfaces) */
  --navy-900: #041a3d;
  --navy-800: #072a63;
  --navy-700: #0d3c8a;
  --navy-600: #134ba6;
  --navy-500: #1f60c8;

  /* Red family (accent — replaces gold) */
  --gold-600: #c8102e;
  --gold-500: #e31837;
  --gold-400: #ef3247;
  --gold-300: #f7b3bc;

  /* Neutrals / light-blue backgrounds */
  --cream: #f4f7fc;
  --sand: #e8eff8;
  --paper: #ffffff;

  --ink: #10233f;
  --slate: #435168;
  --muted: #77869b;
  --line: rgba(13, 60, 138, 0.10);
  --line-strong: rgba(13, 60, 138, 0.18);

  /* Effects */
  --shadow-sm: 0 2px 8px rgba(4, 26, 61, 0.07);
  --shadow-md: 0 14px 40px rgba(4, 26, 61, 0.12);
  --shadow-lg: 0 30px 80px rgba(4, 26, 61, 0.20);
  --shadow-gold: 0 16px 40px rgba(227, 24, 55, 0.28);

  /* Type — Poppins everywhere (matches the hero) */
  --serif: "Poppins", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --sans: "Poppins", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Layout */
  --container: 1200px;
  --radius: 18px;
  --radius-sm: 12px;
  --radius-lg: 28px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; }
section[id], [id="quote"] { scroll-margin-top: 96px; }
img, iframe, video, svg { max-width: 100%; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: inherit; font-size: inherit; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 700; line-height: 1.12; letter-spacing: -0.02em; color: var(--navy-800); }
.serif { font-family: var(--serif); }
.eyebrow {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-600);
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
}
.eyebrow::before {
  content: "";
  width: 30px; height: 1.5px;
  background: var(--gold-500);
  display: inline-block;
}
.eyebrow.center::after {
  content: "";
  width: 30px; height: 1.5px;
  background: var(--gold-500);
  display: inline-block;
}

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 28px; }
.section { padding: 110px 0; }
.section-sm { padding: 72px 0; }
.center { text-align: center; }
.center .eyebrow { justify-content: center; }
.lead { font-size: 1.18rem; color: var(--slate); line-height: 1.7; }
.max-60 { max-width: 640px; }
.mx-auto { margin-left: auto; margin-right: auto; }

.grid { display: grid; gap: 28px; }
.g-2 { grid-template-columns: repeat(2, 1fr); }
.g-3 { grid-template-columns: repeat(3, 1fr); }
.g-4 { grid-template-columns: repeat(4, 1fr); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 0.6rem;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  letter-spacing: 0.01em;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), background 0.3s, color 0.3s;
  position: relative;
  will-change: transform;
}
.btn svg { width: 18px; height: 18px; }
.btn-gold {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  color: #fff;
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 22px 50px rgba(184, 135, 59, 0.42); }
.btn-dark { background: var(--navy-800); color: #fff; box-shadow: var(--shadow-md); }
.btn-dark:hover { transform: translateY(-3px); background: var(--navy-700); }
.btn-ghost { border: 1.5px solid var(--line-strong); color: var(--navy-800); }
.btn-ghost:hover { background: var(--navy-800); color: #fff; border-color: var(--navy-800); transform: translateY(-3px); }
.btn-light { background: rgba(255,255,255,0.12); color: #fff; border: 1.5px solid rgba(255,255,255,0.25); backdrop-filter: blur(6px); }
.btn-light:hover { background: #fff; color: var(--navy-800); transform: translateY(-3px); }

/* ---------- Header / Nav ---------- */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  transition: all 0.45s var(--ease);
  padding: 18px 0;
}
.header::before {
  content: ""; position: absolute; inset: 0;
  background: rgba(248, 245, 239, 0.82);
  backdrop-filter: blur(14px) saturate(150%);
  opacity: 0; transition: opacity 0.4s;
  border-bottom: 1px solid var(--line);
}
.header.scrolled { padding: 12px 0; }
.header.scrolled::before { opacity: 1; }
.nav { position: relative; display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: 13px; z-index: 2; }
.brand-logo { height: 54px; width: auto; max-width: 250px; display: block; flex: none; }
.header.scrolled .brand-logo { height: 48px; transition: height 0.4s var(--ease); }
.brand-logo + .brand-name { padding-left: 13px; border-left: 1px solid var(--line-strong); }
.brand-mark {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(140deg, var(--navy-700), var(--navy-900));
  display: grid; place-items: center;
  box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
}
.brand-mark::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 30% 20%, rgba(220,187,108,0.5), transparent 60%);
}
.brand-mark span { font-family: var(--serif); color: var(--gold-400); font-size: 1.2rem; font-weight: 600; z-index: 1; }
.brand-name { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name b { font-family: var(--serif); font-size: 1.12rem; font-weight: 600; color: var(--navy-800); letter-spacing: -0.01em; }
.brand-name small { font-size: 0.64rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-600); font-weight: 600; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
  position: relative; padding: 10px 16px; font-size: 0.95rem; font-weight: 500; color: var(--slate);
  border-radius: 10px; transition: color 0.3s;
}
.nav-links a::after {
  content: ""; position: absolute; left: 16px; right: 16px; bottom: 4px; height: 1.5px;
  background: var(--gold-500); transform: scaleX(0); transform-origin: left; transition: transform 0.35s var(--ease);
}
.nav-links a:hover, .nav-links a.active { color: var(--navy-800); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-cta { display: flex; align-items: center; gap: 14px; z-index: 2; }
.nav-phone { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy-800); font-size: 0.95rem; }
.nav-phone svg { width: 16px; height: 16px; color: var(--gold-600); }
.nav-toggle { display: none; width: 44px; height: 44px; border-radius: 10px; position: relative; z-index: 2; }
.nav-toggle span { position: absolute; left: 11px; right: 11px; height: 2px; background: var(--navy-800); border-radius: 2px; transition: all 0.35s var(--ease); }
.nav-toggle span:nth-child(1) { top: 15px; }
.nav-toggle span:nth-child(2) { top: 21px; }
.nav-toggle span:nth-child(3) { top: 27px; }
.nav-open .nav-toggle span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
.nav-open .nav-toggle span:nth-child(3) { top: 21px; transform: rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 140px 0 90px;
  background: #ffffff;
  overflow: hidden;
}
/* Canva-style professional sans for the hero (Poppins = closest web-embeddable match) */
.hero .eyebrow,
.hero-badge,
.hero-lead,
.hero-trust .t b,
.hero-trust .t span,
.hero-actions .btn { font-family: "Poppins", var(--sans); }
.hero h1 {
  font-family: "Poppins", var(--sans);
  font-weight: 700;
  letter-spacing: -0.022em;
  line-height: 1.08;
}
.hero h1 em { font-style: italic; font-weight: 600; color: var(--gold-600); }
.hero-lead { font-weight: 400; }
.hero-trust .t b { font-weight: 700; }
.hero-grid { display: grid; grid-template-columns: 1fr 1.12fr; gap: 48px; align-items: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 10px; border-radius: 999px;
  background: rgba(255,255,255,0.7); border: 1px solid var(--line);
  font-size: 0.82rem; font-weight: 600; color: var(--slate); margin-bottom: 26px;
  box-shadow: var(--shadow-sm);
}
.hero-badge b { color: var(--navy-800); }
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: #2fb673; box-shadow: 0 0 0 4px rgba(47,182,115,0.18); }
.hero h1 { font-size: clamp(2.6rem, 5.4vw, 4.5rem); font-weight: 500; margin-bottom: 26px; }
.hero h1 em { font-style: italic; color: var(--gold-600); }
.hero-lead { font-size: 1.2rem; color: var(--slate); max-width: 520px; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 44px; }
.hero-trust { display: flex; gap: 34px; flex-wrap: wrap; }
.hero-trust .t { }
.hero-trust .t b { font-family: var(--serif); font-size: 2rem; color: var(--navy-800); display: block; line-height: 1; }
.hero-trust .t span { font-size: 0.82rem; color: var(--muted); font-weight: 500; }

.hero-visual { position: relative; }
.hero-stars { color: var(--gold-500); letter-spacing: 2px; font-size: 0.8rem; }

/* Transparent PNG hero photo — sits directly on the white hero, no card/box */
.hero-visual--photo { display: grid; place-items: center; background: transparent; }
.hero-photo {
  position: relative; z-index: 1; width: 100%; max-width: 720px;
  background: transparent;
  filter: drop-shadow(0 24px 45px rgba(7, 19, 36, 0.16));
  animation: heroFloat 6s ease-in-out infinite;
}
.hero-blob {
  position: absolute; z-index: 0; inset: 10% 2% 4% 8%;
  background:
    radial-gradient(58% 58% at 60% 42%, rgba(201, 162, 75, 0.16), transparent 70%),
    radial-gradient(52% 52% at 32% 70%, rgba(33, 71, 122, 0.12), transparent 72%);
  border-radius: 50%; filter: blur(10px);
}
@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

/* ---------- Marquee / logo strip ---------- */
.trustbar { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 26px 0; }
.trustbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.trustbar span { font-size: 0.8rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.trustbar .items { display: flex; gap: 40px; flex-wrap: wrap; align-items: center; color: var(--navy-700); font-weight: 600; }
.trustbar .items b { font-family: var(--serif); font-weight: 600; font-size: 1.05rem; display: flex; align-items: center; gap: 8px; }
.trustbar .items b svg { width: 18px; height: 18px; color: var(--gold-600); }

/* ---------- Coverage strip (premium navy band) ---------- */
.cstrip {
  position: relative; overflow: hidden;
  padding: 68px 0 74px;
  background:
    radial-gradient(760px 420px at 50% -30%, rgba(31,96,200,0.42), transparent 62%),
    linear-gradient(140deg, var(--navy-800), var(--navy-900));
}
.cstrip::before {
  content: ""; position: absolute; inset: 0; opacity: 0.5; pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
}
.cstrip::after {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-500) 35%, var(--gold-500) 65%, transparent);
  opacity: 0.7;
}
.cstrip .container { position: relative; z-index: 1; }

/* Header */
.cstrip-head { max-width: 660px; margin: 0 auto 52px; text-align: center; }
.cstrip-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  color: #fff; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; font-size: 0.78rem;
  margin-bottom: 18px;
}
.cstrip-eyebrow::before, .cstrip-eyebrow::after {
  content: ""; width: 22px; height: 1.5px; background: var(--gold-500); display: inline-block;
}
.cstrip-head h2 { color: #fff; font-size: clamp(1.9rem, 3.4vw, 2.7rem); margin-bottom: 16px; }
.cstrip-head p { color: rgba(255,255,255,0.66); font-size: 1.06rem; line-height: 1.7; }
.cstrip-head sup { font-size: 0.6em; }

/* Grid + cards */
.cstrip-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px;
}
.cstrip-item {
  display: flex; flex-direction: column; align-items: flex-start; text-align: left; gap: 18px;
  padding: 34px 28px 30px; position: relative; overflow: hidden;
  border-radius: 20px; min-height: 340px;
  background: linear-gradient(160deg, rgba(255,255,255,0.075), rgba(255,255,255,0.025));
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(4px);
  transition: transform 0.5s var(--ease), border-color 0.45s, box-shadow 0.5s, background 0.45s;
}
.cstrip-item::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-400));
  transform: scaleX(0); transform-origin: left; transition: transform 0.55s var(--ease);
}
.cstrip-item:hover {
  transform: translateY(-8px);
  border-color: rgba(255,255,255,0.22);
  background: linear-gradient(160deg, rgba(255,255,255,0.11), rgba(255,255,255,0.035));
  box-shadow: 0 26px 60px rgba(0,0,0,0.32);
}
.cstrip-item:hover::before { transform: scaleX(1); }
.cstrip-ic {
  flex: none; width: 60px; height: 60px; border-radius: 16px;
  display: grid; place-items: center; color: #fff;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.18);
  position: relative;
  transition: all 0.5s var(--ease);
}
.cstrip-ic svg { width: 28px; height: 28px; transition: transform 0.5s var(--ease); position: relative; z-index: 1; }
.cstrip-item:hover .cstrip-ic {
  background: linear-gradient(140deg, var(--gold-500), var(--gold-600));
  border-color: transparent; box-shadow: 0 14px 34px rgba(227,24,55,0.45);
}
.cstrip-item:hover .cstrip-ic svg { transform: scale(1.08); }
.cstrip-tag {
  display: block; font-size: 0.7rem; color: var(--gold-400); font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 7px;
}
.cstrip-txt b {
  display: block; font-family: var(--serif); font-size: 1.5rem; color: #fff;
  font-weight: 600; line-height: 1.1; margin-bottom: 10px;
}
.cstrip-txt p { font-size: 0.92rem; color: rgba(255,255,255,0.62); line-height: 1.6; }
.cstrip-more {
  margin-top: auto; display: inline-flex; align-items: center; gap: 8px;
  color: #fff; font-weight: 600; font-size: 0.88rem; opacity: 0.85;
  transition: opacity 0.3s, gap 0.35s var(--ease);
}
.cstrip-more svg { width: 16px; height: 16px; transition: transform 0.35s var(--ease); }
.cstrip-item:hover .cstrip-more { opacity: 1; color: var(--gold-400); }
.cstrip-item:hover .cstrip-more svg { transform: translateX(5px); }

/* Footer CTA */
.cstrip-foot { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 46px; }

/* ---------- Tabbed coverage ---------- */
.tabs { max-width: 1060px; margin: 0 auto; }
.tabs-nav {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;
  max-width: 780px; margin: 0 auto 30px; padding: 6px;
  background: var(--paper); border: 1px solid var(--line); border-radius: 18px;
  box-shadow: var(--shadow-sm);
}
.tab-btn {
  display: flex; align-items: center; justify-content: center; gap: 9px;
  padding: 15px 12px; border-radius: 13px; font-family: var(--sans);
  font-weight: 600; font-size: 1rem; color: var(--muted);
  transition: all 0.35s var(--ease); position: relative;
}
.tab-btn svg { width: 19px; height: 19px; transition: color 0.35s; }
.tab-btn:hover { color: var(--navy-700); background: var(--cream); }
.tab-btn.active {
  color: #fff; background: linear-gradient(140deg, var(--navy-700), var(--navy-800));
  box-shadow: var(--shadow-sm);
}
.tab-btn.active svg { color: var(--gold-400); }

.tabs-panels {
  position: relative; overflow: hidden;
  background: linear-gradient(155deg, var(--sand), var(--cream));
  border: 1px solid var(--line); border-radius: 26px; padding: 50px;
}
.tabs-panels::before {
  content: ""; position: absolute; top: -80px; right: -80px; width: 380px; height: 380px;
  border-radius: 50%; background: radial-gradient(circle, rgba(19,75,166,0.10), transparent 70%);
  pointer-events: none;
}
.tab-panel { display: none; }
.tab-panel.active {
  display: grid; grid-template-columns: 1.02fr 0.98fr; gap: 52px; align-items: center;
  position: relative; z-index: 1; animation: tabIn 0.55s var(--ease);
}
@keyframes tabIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.tab-kicker {
  display: inline-block; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold-600); margin-bottom: 14px;
}
.tab-copy h3 { font-size: clamp(1.6rem, 2.8vw, 2.15rem); margin-bottom: 14px; }
.tab-copy > p { color: var(--slate); font-size: 1.04rem; line-height: 1.7; margin-bottom: 26px; }
.tab-list { display: grid; gap: 13px; margin-bottom: 30px; }
.tab-list li { display: flex; gap: 13px; align-items: center; font-weight: 500; color: var(--navy-800); font-size: 1rem; }
.tab-list .ti {
  flex: none; width: 26px; height: 26px; border-radius: 8px;
  background: rgba(227,24,55,0.10); color: var(--gold-600);
  display: grid; place-items: center;
}
.tab-list .ti svg { width: 15px; height: 15px; }
.tab-link {
  display: inline-flex; align-items: center; gap: 9px; font-weight: 600; color: var(--navy-700);
  font-size: 0.98rem; transition: gap 0.35s var(--ease), color 0.3s;
}
.tab-link svg { width: 18px; height: 18px; transition: transform 0.35s var(--ease); }
.tab-link:hover { color: var(--gold-600); }
.tab-link:hover svg { transform: translateX(5px); }

.tab-visual { position: relative; }
.tab-visual img {
  width: 100%; aspect-ratio: 4/3.2; object-fit: cover;
  border-radius: 20px; box-shadow: var(--shadow-md);
}
.tab-visual.noimg { min-height: 320px; border-radius: 20px; background: linear-gradient(140deg, var(--navy-700), var(--navy-900)); box-shadow: var(--shadow-md); }
.tab-visual.noimg img { display: none; }
.tab-badge {
  position: absolute; left: -20px; bottom: 24px;
  background: var(--paper); border-radius: 16px; padding: 14px 20px;
  box-shadow: var(--shadow-md); display: flex; flex-direction: column; line-height: 1.1;
  border: 1px solid var(--line);
}
.tab-badge b { font-family: var(--serif); font-size: 1.5rem; color: var(--navy-800); }
.tab-badge small { font-size: 0.74rem; color: var(--muted); font-weight: 500; margin-top: 3px; }

@media (max-width: 820px) {
  .tab-panel.active { grid-template-columns: 1fr; gap: 34px; }
  .tab-visual { order: -1; }
  .tabs-panels { padding: 30px; }
  .tab-btn span { display: none; }
  .tab-btn { padding: 16px; }
  .tab-btn svg { width: 22px; height: 22px; }
}
@media (max-width: 460px) {
  .tab-badge { left: 12px; }
}

/* ---------- Meet Your Agent (premium) ---------- */
.agent-grid { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: 70px; align-items: center; }
.agent-media { position: relative; padding: 24px; }
.agent-blob {
  position: absolute; inset: 0 30px 30px 0; z-index: 0; border-radius: 30px;
  background:
    radial-gradient(60% 60% at 30% 30%, rgba(19,75,166,0.18), transparent 70%),
    radial-gradient(55% 55% at 80% 85%, rgba(227,24,55,0.14), transparent 72%);
  filter: blur(8px);
}
.agent-ring {
  position: absolute; right: 6px; top: 46px; bottom: 6px; width: 68%; z-index: 0;
  border: 1.5px solid var(--gold-500); border-radius: 26px; opacity: 0.5;
}
.agent-photo {
  position: relative; z-index: 1; border-radius: 24px; overflow: hidden;
  box-shadow: var(--shadow-lg); aspect-ratio: 4 / 4.4; background: var(--navy-800);
}
.agent-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 15%; }
.agent-photo::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(4,26,61,0.82));
}
.agent-namecard { position: absolute; left: 26px; bottom: 24px; z-index: 2; color: #fff; }
.agent-namecard b { font-family: var(--serif); font-size: 1.5rem; display: block; line-height: 1.1; }
.agent-namecard span { font-size: 0.84rem; color: var(--gold-300); letter-spacing: 0.02em; }

.agent-chip {
  position: absolute; z-index: 3; display: flex; align-items: center; gap: 12px;
  background: var(--paper); border: 1px solid var(--line); border-radius: 16px;
  padding: 13px 18px; box-shadow: var(--shadow-md);
  animation: agentFloat 5.5s ease-in-out infinite;
}
.agent-chip b { display: block; font-size: 0.94rem; color: var(--navy-800); font-family: var(--sans); line-height: 1.15; }
.agent-chip small { font-size: 0.74rem; color: var(--muted); }
.agent-chip--badge { left: -6px; bottom: 70px; }
.agent-chip--badge .ac-ic {
  width: 40px; height: 40px; border-radius: 11px; flex: none; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--navy-700), var(--navy-900)); color: var(--gold-400);
}
.agent-chip--badge .ac-ic svg { width: 21px; height: 21px; }
.agent-chip--rating { right: -6px; top: 40px; animation-delay: -2.5s; }
.agent-chip--rating .stars { color: var(--gold-500); font-size: 1rem; letter-spacing: 1px; }
@keyframes agentFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }

.agent-copy h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); line-height: 1.08; }
.agent-copy h2 em { font-style: italic; color: var(--gold-600); }
.agent-features { display: grid; gap: 8px; margin: 30px 0 34px; }
.afeat {
  display: flex; gap: 16px; align-items: flex-start; padding: 16px 18px; border-radius: 15px;
  transition: background 0.4s, transform 0.4s var(--ease); position: relative;
}
.afeat:hover { background: var(--paper); transform: translateX(4px); box-shadow: var(--shadow-sm); }
.afeat-ic {
  flex: none; width: 48px; height: 48px; border-radius: 13px;
  background: #fff; color: var(--navy-800); border: 1px solid var(--line);
  display: grid; place-items: center; box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease);
}
.afeat:hover .afeat-ic { transform: rotate(-6deg) scale(1.05); }
.afeat-ic svg { width: 22px; height: 22px; }
.afeat b { display: block; color: var(--navy-800); font-family: var(--sans); font-size: 1.04rem; margin-bottom: 3px; }
.afeat span { color: var(--slate); font-size: 0.92rem; line-height: 1.55; }

.agent-sign {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  padding-top: 26px; border-top: 1px solid var(--line-strong);
}
.agent-signature { display: flex; flex-direction: column; }
.agent-signature .sig { font-family: "Great Vibes", cursive; font-size: 2.4rem; color: var(--navy-700); line-height: 0.9; }
.agent-signature .sig-role { font-size: 0.82rem; color: var(--muted); font-weight: 500; letter-spacing: 0.02em; margin-top: 4px; }
.agent-actions { display: flex; gap: 12px; flex-wrap: wrap; }

@media (max-width: 940px) {
  .agent-grid { grid-template-columns: 1fr; gap: 54px; }
  .agent-media { max-width: 480px; margin: 0 auto; width: 100%; }
}
@media (max-width: 560px) {
  .agent-chip--badge { left: 0; }
  .agent-chip--rating { right: 0; }
  .agent-sign { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 900px) {
  .cstrip-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .cstrip-item { min-height: 0; }
}
@media (max-width: 480px) {
  .cstrip-grid { grid-template-columns: 1fr; gap: 16px; }
}

/* ---------- Section headings ---------- */
.section-head { max-width: 640px; margin-bottom: 60px; }
.section-head.center { margin-left: auto; margin-right: auto; }
.section-head h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); margin: 18px 0 18px; }
.section-head p { color: var(--slate); font-size: 1.1rem; }

/* ---------- Cards ---------- */
.card {
  background: var(--paper); border-radius: var(--radius); padding: 34px;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.4s;
  position: relative; overflow: hidden;
}
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: var(--line-strong); }

/* Service cards */
.svc-card { display: flex; flex-direction: column; gap: 16px; }
.svc-card .icn {
  width: 58px; height: 58px; border-radius: 14px;
  background: linear-gradient(140deg, var(--navy-700), var(--navy-900));
  display: grid; place-items: center; color: var(--gold-400);
  box-shadow: var(--shadow-sm); transition: transform 0.5s var(--ease);
}
.svc-card:hover .icn { transform: rotate(-6deg) scale(1.06); }
.svc-card .icn svg { width: 28px; height: 28px; }
.svc-card h3 { font-size: 1.4rem; }
.svc-card p { color: var(--slate); font-size: 0.98rem; }
.svc-card .more {
  margin-top: auto; display: inline-flex; align-items: center; gap: 8px;
  color: var(--gold-600); font-weight: 600; font-size: 0.9rem; padding-top: 8px;
}
.svc-card .more svg { width: 16px; height: 16px; transition: transform 0.35s var(--ease); }
.svc-card:hover .more svg { transform: translateX(5px); }
.svc-card::before {
  content: ""; position: absolute; right: -40px; top: -40px; width: 120px; height: 120px;
  background: radial-gradient(circle, rgba(201,162,75,0.12), transparent 70%); opacity: 0; transition: opacity 0.5s;
}
.svc-card:hover::before { opacity: 1; }

/* ---------- Split feature ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split.reverse .split-media { order: 2; }
.split-media { position: relative; }
.split-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; object-fit: cover; aspect-ratio: 5/4; }
.split-media .frame {
  position: absolute; inset: -18px -18px auto auto; width: 55%; height: 55%;
  border: 1.5px solid var(--gold-400); border-radius: var(--radius-lg); z-index: -1;
}
.feature-list { display: grid; gap: 18px; margin-top: 30px; }
.feature-list li { display: flex; gap: 16px; align-items: flex-start; }
.feature-list .fi {
  flex: none; width: 38px; height: 38px; border-radius: 10px; background: var(--sand);
  display: grid; place-items: center; color: var(--gold-600);
}
.feature-list .fi svg { width: 18px; height: 18px; }
.feature-list b { display: block; color: var(--navy-800); font-family: var(--sans); font-size: 1.02rem; }
.feature-list span { color: var(--slate); font-size: 0.94rem; }

/* ---------- Stats band ---------- */
.band {
  background:
    radial-gradient(800px 500px at 15% 0%, rgba(33,71,122,0.5), transparent 60%),
    linear-gradient(140deg, var(--navy-800), var(--navy-900));
  color: #fff; position: relative; overflow: hidden;
}
.band::after {
  content: ""; position: absolute; inset: 0; opacity: 0.4;
  background-image: radial-gradient(rgba(220,187,108,0.14) 1px, transparent 1px);
  background-size: 26px 26px;
}
.band .container { position: relative; z-index: 1; }
.stat { text-align: center; }
.stat b { font-family: var(--serif); font-size: clamp(2.6rem, 5vw, 3.6rem); color: var(--gold-400); display: block; line-height: 1; }
.stat span { color: rgba(255,255,255,0.72); font-size: 0.94rem; margin-top: 10px; display: block; }
.band h2, .band h3 { color: #fff; }
.band .lead { color: rgba(255,255,255,0.72); }

/* ---------- Process / steps ---------- */
.steps { counter-reset: step; display: grid; gap: 30px; }
.step { display: grid; grid-template-columns: auto 1fr; gap: 24px; align-items: start; }
.step .num {
  counter-increment: step; width: 56px; height: 56px; border-radius: 16px; flex: none;
  background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  display: grid; place-items: center; font-family: var(--serif); font-size: 1.4rem; color: var(--gold-600);
}
.step .num::before { content: counter(step, decimal-leading-zero); }
.step h3 { font-size: 1.3rem; margin-bottom: 8px; }
.step p { color: var(--slate); font-size: 0.98rem; }

/* ---------- Testimonials ---------- */
.quote-card { background: var(--paper); border-radius: var(--radius); padding: 36px; border: 1px solid var(--line); box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 20px; height: 100%; }
.quote-card .mark { font-family: var(--serif); font-size: 3.4rem; line-height: 0.6; color: var(--gold-400); height: 26px; }
.quote-card p { color: var(--ink); font-size: 1.04rem; line-height: 1.7; }
.quote-card .who { display: flex; align-items: center; gap: 14px; margin-top: auto; }
.quote-card .who .av { width: 46px; height: 46px; border-radius: 50%; background: linear-gradient(140deg, var(--navy-600), var(--navy-800)); color: var(--gold-300); display: grid; place-items: center; font-family: var(--serif); font-weight: 600; }
.quote-card .who b { display: block; color: var(--navy-800); font-family: var(--sans); font-size: 0.98rem; }
.quote-card .who span { font-size: 0.82rem; color: var(--muted); }
.stars { color: var(--gold-500); letter-spacing: 2px; }

/* ---------- CTA band ---------- */
.cta {
  background:
    radial-gradient(700px 400px at 85% 120%, rgba(201,162,75,0.22), transparent 60%),
    linear-gradient(140deg, var(--navy-800), var(--navy-900));
  border-radius: var(--radius-lg); padding: 72px; text-align: center; color: #fff;
  position: relative; overflow: hidden;
}
.cta::before {
  content: ""; position: absolute; inset: 0; opacity: 0.5;
  background-image: radial-gradient(rgba(220,187,108,0.12) 1px, transparent 1px); background-size: 24px 24px;
}
.cta > * { position: relative; z-index: 1; }
.cta h2 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 18px; }
.cta p { color: rgba(255,255,255,0.78); font-size: 1.14rem; max-width: 560px; margin: 0 auto 34px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: rgba(255,255,255,0.66); padding: 80px 0 32px; position: relative; overflow: hidden; }
.footer::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,162,75,0.5), transparent);
}
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 44px; margin-bottom: 54px; }
.footer .brand-name b { color: #fff; }
.footer-brand { display: inline-flex; background: #fff; padding: 14px 20px; border-radius: 14px; box-shadow: var(--shadow-sm); }
.footer-logo { display: block; height: 48px; width: auto; max-width: 100%; }
.footer p { font-size: 0.94rem; line-height: 1.7; margin-top: 18px; max-width: 320px; }
.footer h4 { color: #fff; font-family: var(--sans); font-size: 0.8rem; letter-spacing: 0.16em; text-transform: uppercase; margin-bottom: 20px; font-weight: 600; }
.footer-links { display: grid; gap: 12px; }
.footer-links a { font-size: 0.94rem; transition: color 0.3s, padding 0.3s; }
.footer-links a:hover { color: var(--gold-400); padding-left: 5px; }
.footer-contact { display: grid; gap: 16px; }
.footer-contact .fc { display: flex; gap: 12px; align-items: flex-start; font-size: 0.94rem; }
.footer-contact .fc svg { width: 18px; height: 18px; color: var(--gold-500); flex: none; margin-top: 2px; }
.footer-contact a:hover { color: var(--gold-400); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 26px; display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; font-size: 0.84rem; }
.footer-bottom .socials { display: flex; gap: 10px; }
.footer-bottom .socials a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,0.06); display: grid; place-items: center; transition: all 0.35s var(--ease); }
.footer-bottom .socials a:hover { background: var(--gold-500); color: var(--navy-900); transform: translateY(-3px); }
.footer-bottom .socials svg { width: 17px; height: 17px; }

/* ---------- Page hero (interior) ---------- */
.page-hero {
  padding: 190px 0 90px; text-align: center; position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 50% -20%, rgba(33,71,122,0.14), transparent 60%),
    linear-gradient(180deg, var(--cream), var(--sand));
}
.page-hero h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); margin: 20px 0 18px; }
.page-hero p { color: var(--slate); font-size: 1.16rem; max-width: 620px; margin: 0 auto; }
.crumb { font-size: 0.86rem; color: var(--muted); margin-top: 26px; }
.crumb a:hover { color: var(--gold-600); }
.crumb span { color: var(--gold-600); }

/* ---------- Forms ---------- */
.form-wrap { background: var(--paper); border-radius: var(--radius-lg); padding: 46px; box-shadow: var(--shadow-md); border: 1px solid var(--line); }
.field { margin-bottom: 22px; }
.field label { display: block; font-size: 0.86rem; font-weight: 600; color: var(--navy-800); margin-bottom: 9px; letter-spacing: 0.01em; }
.field label .req { color: var(--gold-600); }
.field input, .field select, .field textarea {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line-strong); border-radius: 12px;
  background: var(--cream); color: var(--ink); transition: border-color 0.3s, box-shadow 0.3s, background 0.3s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(201,162,75,0.14);
}
.field textarea { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { padding: 10px 18px; border-radius: 999px; border: 1.5px solid var(--line-strong); font-size: 0.9rem; font-weight: 500; color: var(--slate); cursor: pointer; transition: all 0.3s; user-select: none; }
.chip input { position: absolute; opacity: 0; pointer-events: none; }
.chip:hover { border-color: var(--gold-400); }
.chip.on { background: var(--navy-800); color: #fff; border-color: var(--navy-800); }
.form-note { font-size: 0.84rem; color: var(--muted); margin-top: 6px; }

/* Quote form extras */
.form-banner {
  text-align: center; font-weight: 700; color: var(--navy-800); font-size: 1.02rem;
  background: linear-gradient(180deg, var(--sand), var(--cream));
  border: 1px dashed var(--line-strong); border-radius: 14px; padding: 14px 18px; margin-bottom: 30px;
}
.form-errors {
  background: #fdecef; border: 1px solid #f7c3cd; color: #b31331;
  border-radius: 12px; padding: 14px 18px; margin-bottom: 22px; font-size: 0.93rem;
}
.form-errors strong { display: block; margin-bottom: 6px; }
.form-errors ul { margin: 0; padding-left: 18px; }
.qchip-row { display: flex; flex-wrap: wrap; gap: 10px; }
.qchip {
  position: relative; padding: 11px 20px; border-radius: 999px; border: 1.5px solid var(--line-strong);
  font-size: 0.92rem; font-weight: 500; color: var(--slate); cursor: pointer; transition: all 0.3s; user-select: none;
}
.qchip input { position: absolute; inset: 0; opacity: 0; cursor: pointer; margin: 0; }
.qchip:hover { border-color: var(--gold-400); }
.qchip:has(input:checked) { background: var(--navy-800); color: #fff; border-color: var(--navy-800); box-shadow: var(--shadow-sm); }
.file-field input[type="file"] {
  width: 100%; padding: 14px 16px; border: 1.5px dashed var(--line-strong); border-radius: 12px;
  background: var(--cream); color: var(--slate); font-size: 0.92rem; cursor: pointer; transition: border-color 0.3s, background 0.3s;
}
.file-field input[type="file"]:hover { border-color: var(--gold-400); background: #fff; }
.file-field input[type="file"]::file-selector-button {
  padding: 9px 18px; border: none; border-radius: 9px; margin-right: 14px; cursor: pointer;
  background: linear-gradient(140deg, var(--navy-700), var(--navy-900)); color: #fff; font-weight: 600; font-family: var(--sans);
}
.form-success { display: none; text-align: center; padding: 30px 0; }
.form-success.show { display: block; }
.form-success .tick { width: 66px; height: 66px; border-radius: 50%; background: var(--sand); color: var(--gold-600); display: grid; place-items: center; margin: 0 auto 18px; }
.form-success .tick svg { width: 30px; height: 30px; }
/* The card is white, but it sits inside .band — restore dark text over the light surface. */
.band .form-success h2 { color: var(--ink); font-size: 1.8rem; }
.band .form-success p { color: var(--muted); max-width: 440px; margin: 12px auto 0; }

/* ---------- Quote confirmation modal ---------- */
.quote-modal {
  position: fixed; inset: 0; z-index: 200;
  display: grid; place-items: center; padding: 20px;
  background: rgba(4, 26, 61, 0.72); backdrop-filter: blur(4px);
  animation: quoteModalIn 0.25s ease both;
}
.quote-modal.closing { animation: quoteModalOut 0.2s ease both; }
.quote-modal-card {
  position: relative; width: 100%; max-width: 480px;
  background: #fff; color: var(--ink); border-radius: 22px;
  padding: 44px 32px 32px; text-align: center;
  box-shadow: 0 30px 80px rgba(4, 26, 61, 0.45);
  animation: quoteCardIn 0.3s cubic-bezier(0.16, 1, 0.3, 1) both;
}
.quote-modal-card .tick {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--sand); color: var(--gold-600);
  display: grid; place-items: center; margin: 0 auto 20px;
}
.quote-modal-card .tick svg { width: 34px; height: 34px; }
.quote-modal-card h2 { font-size: 1.7rem; color: var(--ink); margin: 0 0 12px; }
.quote-modal-card p { color: var(--muted); margin: 0 auto; max-width: 380px; }
.quote-modal-meta { margin-top: 14px !important; font-size: 0.92rem; }
.quote-modal-meta a { color: var(--gold-600); font-weight: 600; }
.quote-modal-ok { margin-top: 26px; width: 100%; justify-content: center; padding: 15px; }
.quote-modal-close {
  position: absolute; top: 14px; right: 14px;
  width: 38px; height: 38px; border: 0; border-radius: 50%;
  background: transparent; color: var(--muted); cursor: pointer;
  display: grid; place-items: center; transition: background 0.15s, color 0.15s;
}
.quote-modal-close:hover { background: var(--sand); color: var(--ink); }
.quote-modal-close svg { width: 20px; height: 20px; }

@keyframes quoteModalIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes quoteModalOut { from { opacity: 1; } to { opacity: 0; } }
@keyframes quoteCardIn {
  from { opacity: 0; transform: translateY(24px) scale(0.96); }
  to { opacity: 1; transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  .quote-modal, .quote-modal.closing, .quote-modal-card { animation: none; }
}
@media (max-width: 560px) {
  .quote-modal-card { padding: 40px 22px 26px; border-radius: 18px; }
  .quote-modal-card h2 { font-size: 1.45rem; }
}

/* ---------- Info cards / contact ---------- */
.info-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; gap: 18px; align-items: flex-start; box-shadow: var(--shadow-sm); transition: transform 0.4s var(--ease), box-shadow 0.4s; }
.info-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.info-card .ic { width: 50px; height: 50px; border-radius: 12px; background: linear-gradient(140deg, var(--navy-700), var(--navy-900)); color: var(--gold-400); display: grid; place-items: center; flex: none; }
.info-card .ic svg { width: 22px; height: 22px; }
.info-card h4 { font-family: var(--sans); font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.info-card b { display: block; color: var(--navy-800); font-size: 1.06rem; font-family: var(--sans); }
.info-card span { font-size: 0.9rem; color: var(--slate); }

/* ---------- Contact page (premium) ---------- */
.contact-split { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: 32px; align-items: stretch; }
.contact-panel {
  position: relative; overflow: hidden; border-radius: 28px; padding: 52px 46px;
  color: #fff;
  background:
    radial-gradient(620px 420px at 15% 0%, rgba(31,96,200,0.42), transparent 60%),
    linear-gradient(150deg, var(--navy-800), var(--navy-900));
  box-shadow: var(--shadow-lg);
}
.contact-panel::before {
  content: ""; position: absolute; inset: 0; opacity: 0.45; pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,0.07) 1px, transparent 1px); background-size: 24px 24px;
}
.contact-panel::after {
  content: ""; position: absolute; top: 0; left: 46px; right: 46px; height: 2px;
  background: linear-gradient(90deg, var(--gold-500), transparent);
}
.cp-inner { position: relative; z-index: 1; }
.cp-eyebrow { color: var(--gold-400); }
.contact-panel h2 { color: #fff; font-size: clamp(1.8rem, 3vw, 2.4rem); margin: 16px 0 14px; }
.contact-panel > .cp-inner > p { color: rgba(255,255,255,0.68); margin-bottom: 34px; font-size: 1rem; line-height: 1.7; }
.contact-methods { display: grid; gap: 12px; margin-bottom: 36px; }
.cmethod {
  display: flex; gap: 16px; align-items: center; padding: 15px 16px; border-radius: 16px;
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.10);
  transition: transform 0.4s var(--ease), background 0.4s, border-color 0.4s;
}
.cmethod:hover { background: rgba(255,255,255,0.09); border-color: rgba(255,255,255,0.2); transform: translateX(5px); }
.cm-ic {
  flex: none; width: 48px; height: 48px; border-radius: 13px; display: grid; place-items: center;
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.14); color: var(--gold-400);
  transition: all 0.45s var(--ease);
}
.cm-ic svg { width: 22px; height: 22px; }
.cmethod:hover .cm-ic { background: linear-gradient(140deg, var(--gold-500), var(--gold-600)); color: #fff; border-color: transparent; box-shadow: 0 10px 24px rgba(227,24,55,0.4); }
.cmethod h4 { font-family: var(--sans); font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.13em; color: rgba(255,255,255,0.5); margin-bottom: 3px; font-weight: 600; }
.cmethod b { color: #fff; font-size: 1rem; font-family: var(--sans); font-weight: 600; word-break: break-word; line-height: 1.25; }
.cp-foot { display: flex; align-items: center; gap: 16px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.12); }
.cp-foot-label { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.5); font-weight: 600; }
.cp-socials { display: flex; gap: 10px; }
.cp-socials a { width: 42px; height: 42px; border-radius: 12px; background: rgba(255,255,255,0.07); display: grid; place-items: center; color: #fff; transition: all 0.35s var(--ease); }
.cp-socials a:hover { background: var(--gold-500); transform: translateY(-3px); box-shadow: 0 10px 24px rgba(227,24,55,0.4); }
.cp-socials svg { width: 18px; height: 18px; }

.contact-form-card {
  background: var(--paper); border: 1px solid var(--line); border-radius: 28px;
  padding: 46px; box-shadow: var(--shadow-md);
}
.quote-center { max-width: 760px; margin: 0 auto; }

/* Multi-step wizard */
.wiz-top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 10px; }
.wiz-steps-label { font-size: 0.84rem; font-weight: 700; color: var(--navy-800); }
.wiz-steps-label .wiz-cur { color: var(--gold-600); }
.wiz-hint { font-size: 0.78rem; color: var(--muted); }
.wiz-progress { height: 6px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 30px; }
.wiz-bar { height: 100%; width: 25%; background: linear-gradient(90deg, var(--gold-600), var(--gold-400)); border-radius: 999px; transition: width 0.5s var(--ease); }
.form-step { display: none; }
.form-step.active { display: block; animation: tabIn 0.45s var(--ease); }
.step-title { font-size: 1.12rem; font-weight: 700; color: var(--navy-800); margin-bottom: 4px; }
.step-sub { font-size: 0.9rem; color: var(--muted); margin-bottom: 22px; }
.wiz-nav { display: flex; gap: 12px; align-items: center; margin-top: 30px; }
.wiz-next, .wiz-submit { margin-left: auto; }
.qh-benefits { display: grid; gap: 14px; margin: 30px 0 30px; }
.qh-benefits li { display: flex; gap: 13px; align-items: flex-start; color: rgba(255,255,255,0.82); font-size: 0.98rem; line-height: 1.45; }
.qh-benefits li svg { flex: none; width: 22px; height: 22px; color: var(--gold-400); margin-top: 1px; }
.contact-panel .agent-signature { margin-top: 26px; }
.contact-panel .agent-signature .sig { color: #fff; }
.contact-panel .agent-signature .sig-role { color: rgba(255,255,255,0.6); }

/* Map */
.map-wrap { position: relative; border-radius: 28px; overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
.map-wrap iframe { filter: saturate(0.9) contrast(1.02); }
.map-card {
  position: absolute; left: 40px; top: 50%; transform: translateY(-50%); z-index: 2;
  width: min(370px, calc(100% - 80px));
  background: var(--paper); border-radius: 22px; padding: 32px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
}
.map-addr { display: flex; gap: 11px; align-items: flex-start; margin-top: 18px; font-size: 0.94rem; color: var(--navy-800); font-weight: 500; }
.map-addr svg { width: 19px; height: 19px; color: var(--gold-600); flex: none; margin-top: 1px; }

@media (max-width: 900px) {
  .contact-split { grid-template-columns: 1fr; gap: 24px; }
  .contact-panel { padding: 40px 30px; }
  .contact-form-card { padding: 32px; }
  .map-card { position: static; transform: none; width: auto; margin: 16px; box-shadow: var(--shadow-md); }
  .map-wrap { display: flex; flex-direction: column; }
  .map-wrap iframe { height: 360px !important; order: -1; }
}

/* ---------- Accordion (FAQ) ---------- */
.acc { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--paper); margin-bottom: 14px; overflow: hidden; transition: box-shadow 0.4s, border-color 0.4s; }
.acc.open { box-shadow: var(--shadow-sm); border-color: var(--line-strong); }
.acc-q { width: 100%; text-align: left; padding: 22px 26px; display: flex; justify-content: space-between; align-items: center; gap: 20px; font-family: var(--serif); font-size: 1.16rem; color: var(--navy-800); }
.acc-q .pm { flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1.5px solid var(--line-strong); display: grid; place-items: center; position: relative; transition: all 0.4s var(--ease); }
.acc-q .pm::before, .acc-q .pm::after { content: ""; position: absolute; background: var(--gold-600); border-radius: 2px; transition: transform 0.4s var(--ease); }
.acc-q .pm::before { width: 12px; height: 2px; }
.acc-q .pm::after { width: 2px; height: 12px; }
.acc.open .pm { background: var(--navy-800); border-color: var(--navy-800); }
.acc.open .pm::before, .acc.open .pm::after { background: var(--gold-400); }
.acc.open .pm::after { transform: scaleY(0); }
.acc-a { max-height: 0; overflow: hidden; transition: max-height 0.5s var(--ease); }
.acc-a p { padding: 0 26px 24px; color: var(--slate); }

/* ---------- Value / about tiles ---------- */
.value { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; transition: transform 0.5s var(--ease), box-shadow 0.5s; }
.value:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.value .vi { width: 52px; height: 52px; border-radius: 13px; background: var(--sand); color: var(--gold-600); display: grid; place-items: center; margin-bottom: 20px; }
.value .vi svg { width: 24px; height: 24px; }
.value h3 { font-size: 1.25rem; margin-bottom: 10px; }
.value p { color: var(--slate); font-size: 0.96rem; }

/* ---------- Pill list ---------- */
.pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.pills li { padding: 9px 18px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); font-size: 0.88rem; color: var(--slate); font-weight: 500; }

/* ---------- Coverage detail rows ---------- */
.cov { display: grid; gap: 20px; }
.cov-row { display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: start; padding: 22px 0; border-bottom: 1px solid var(--line); }
.cov-row:last-child { border-bottom: none; }
.cov-row .ci { width: 44px; height: 44px; border-radius: 12px; background: var(--sand); color: var(--gold-600); display: grid; place-items: center; flex: none; }
.cov-row .ci svg { width: 20px; height: 20px; }
.cov-row h4 { font-size: 1.14rem; margin-bottom: 5px; font-family: var(--serif); }
.cov-row p { color: var(--slate); font-size: 0.95rem; }

/* ---------- Reveal animation ---------- */
[data-reveal] { opacity: 0; transform: translateY(30px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
[data-reveal].in { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: 0.09s; }
[data-reveal][data-delay="2"] { transition-delay: 0.18s; }
[data-reveal][data-delay="3"] { transition-delay: 0.27s; }
[data-reveal][data-delay="4"] { transition-delay: 0.36s; }

/* ---------- Utility ---------- */
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 12px; } .mt-2 { margin-top: 24px; } .mt-3 { margin-top: 36px; }
.bg-paper { background: var(--paper); }
.bg-sand { background: linear-gradient(180deg, var(--sand), var(--cream)); }
.divider { height: 1px; background: var(--line); }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { max-width: 440px; margin: 0 auto; width: 100%; }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .split.reverse .split-media { order: 0; }
  .g-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px; }
  .nav-phone { display: none; }
}
@media (max-width: 860px) {
  .nav-links {
    position: fixed; inset: 0 0 0 auto; width: min(340px, 82vw); max-width: 100vw;
    background: var(--cream); flex-direction: column; align-items: stretch; justify-content: center;
    gap: 6px; padding: 40px;
    opacity: 0; visibility: hidden; pointer-events: none;
    transition: opacity 0.4s var(--ease), visibility 0.4s;
    box-shadow: -20px 0 60px rgba(7,19,36,0.16); z-index: 1;
  }
  .nav-open .nav-links { opacity: 1; visibility: visible; pointer-events: auto; }
  .nav-links a { padding: 14px 18px; font-size: 1.1rem; border-radius: 12px; }
  .nav-links a::after { display: none; }
  .nav-links a:hover, .nav-links a.active { background: var(--paper); }
  .nav-toggle { display: block; }
  .nav-scrim { position: fixed; inset: 0; background: rgba(7,19,36,0.4); opacity: 0; visibility: hidden; transition: all 0.4s; z-index: 0; }
  .nav-open .nav-scrim { opacity: 1; visibility: visible; }
}
@media (max-width: 680px) {
  body { font-size: 16px; }
  .section { padding: 74px 0; }
  .g-2, .g-3, .g-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta { padding: 48px 26px; }
  .form-wrap { padding: 28px; }
  .hero-float.f1 { left: 10px; } .hero-float.f2 { right: 10px; }
  .hero-trust { gap: 24px; }
  .step { grid-template-columns: 1fr; gap: 12px; }
  .container { padding: 0 20px; }
}
/* ============ Comprehensive mobile refinements ============ */
@media (max-width: 980px) {
  .hero { padding: 118px 0 66px; }
  .hero-visual, .hero-visual--photo { max-width: 400px; }
  .agent-grid { grid-template-columns: 1fr; gap: 46px; }
  .agent-media { max-width: 440px; margin: 0 auto; }
  .tab-panel.active { grid-template-columns: 1fr; gap: 30px; }
  .tab-visual { order: -1; }
  .split-media .frame { display: none; }
}
@media (max-width: 860px) {
  .header { padding: 12px 0; }
  .nav-cta { gap: 10px; }
  .tabs-nav { max-width: 100%; }
  .tab-btn span { display: none; }
  .tabs-panels { padding: 30px; }
}
@media (max-width: 680px) {
  .page-hero { padding: 134px 0 56px; }
  .cta { padding: 40px 22px; }
  .contact-panel, .contact-form-card { padding: 30px 22px; }
  .tabs-panels { padding: 24px 20px; border-radius: 20px; }
  .tabs-nav { padding: 5px; gap: 5px; }
  .tab-btn { padding: 14px 6px; }
  .tab-btn svg { width: 21px; height: 21px; }
  .tab-visual img { aspect-ratio: 4/3; }
  .tab-badge { left: 12px; }
  .agent-features { margin: 24px 0 28px; }
  .agent-sign { gap: 18px; }
  .wiz-nav { flex-wrap: wrap; }
  .wiz-nav .btn { flex: 1 1 140px; justify-content: center; }
  .wiz-next, .wiz-submit { margin-left: 0; }
  .section-head { margin-bottom: 40px; }
  .split { gap: 34px; }
}
@media (max-width: 640px) {
  .brand-logo { height: 40px; }
  .brand-name { display: none; }
  .nav-cta .btn-gold { padding: 11px 16px; font-size: 0.86rem; }
  .nav-cta { gap: 8px; }
  .agent-chip { padding: 10px 14px; }
  .agent-chip b { font-size: 0.86rem; }
  .agent-chip--rating .stars { font-size: 0.9rem; }
  .agent-chip--badge { left: 0; }
  .agent-chip--rating { right: 0; }
  .tab-badge { padding: 12px 16px; }
  .tab-badge b { font-size: 1.3rem; }
  .quote-center, .contact-form-card { border-radius: 22px; }
  .value, .card, .svc-card, .quote-card { padding: 26px; }
}
@media (max-width: 430px) {
  .brand-name { display: none; }
  .hero h1 { font-size: 2.05rem; }
  .qchip { padding: 9px 15px; font-size: 0.86rem; }
  .qchip-row { gap: 8px; }
  .btn { padding: 13px 20px; font-size: 0.9rem; }
  .form-wrap, .contact-form-card, .contact-panel { padding: 24px 18px; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition-duration: 0.01ms !important; scroll-behavior: auto; }
  [data-reveal] { opacity: 1; transform: none; }
}