/* ===== TOKENS ===== */
:root {
  --navy: #0D2D5E;
  --navy-dark: #081D3F;
  --navy-mid: #1A4080;
  --red: #C8102E;
  --red-dark: #A30D24;
  --bg: #fff;
  --bg-alt: #EEF4FF;
  --heading: #0D2D5E;
  --body: #2D3E52;
  --muted: #607A96;
  --border: #C4D8EE;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Helvetica Neue', Arial, 'Segoe UI', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  background: #fff;
  color: var(--body);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: Georgia, 'Times New Roman', serif; line-height: 1.2; text-wrap: balance; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; }

/* ===== LAYOUT ===== */
.wrap { max-width: 1220px; margin: 0 auto; padding: 0 1.5rem; }
.sec { padding: 5rem 0; }

/* ===== EYEBROW ===== */
.eye {
  display: block;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: .625rem;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .875rem 2rem;
  border-radius: 3px;
  font-size: .9375rem;
  font-weight: 700;
  letter-spacing: .03em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background .18s, color .18s, border-color .18s, box-shadow .18s;
  white-space: nowrap;
  font-family: inherit;
}
.btn:focus-visible { outline: 3px solid var(--navy-mid); outline-offset: 2px; }
.btn:active { transform: translateY(1px); }
.btn-red { background: var(--red); color: #fff; border-color: var(--red); }
.btn-red:hover { background: var(--red-dark); border-color: var(--red-dark); box-shadow: 0 4px 18px rgba(200,16,46,.32); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.48); }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-mid); }

/* ===========================
   NAV — DESKTOP
   =========================== */
.nav {
  position: sticky;
  top: 0;
  z-index: 300;
  background: var(--navy);
  border-bottom: 3px solid var(--red);
}
.nav-in {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 0;
  max-width: 1220px;
  margin: 0 auto;
  padding: 0 1.125rem;
  height: 74px;
}

/* Logo */
.nav-logo { display: flex; align-items: center; flex-shrink: 0; margin-right: 34px; }
.nav-logo img { height: 58px; width: auto; object-fit: contain; display: block; }

/* Desktop nav links container */
.nav-links { display: flex; align-items: center; gap: 0; }
.nav-links > a {
  color: rgba(255,255,255,.8);
  font-size: .8rem;
  font-weight: 500;
  padding: .4rem .375rem;
  border-radius: 3px;
  transition: color .15s, background .15s;
  white-space: nowrap;
}
.nav-links > a:hover,
.nav-links > a[aria-current] {
  color: #fff;
  background: rgba(255,255,255,.1);
}

/* Nav dropdown item */
.nav-item { position: relative; }

/* Dropdown trigger button */
.nav-drop-btn {
  color: rgba(255,255,255,.8);
  font-size: .8rem;
  font-weight: 500;
  padding: .4rem .375rem;
  border-radius: 3px;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: .25rem;
  white-space: nowrap;
  transition: color .15s, background .15s;
  height: 74px;
}
.nav-drop-btn:hover,
.nav-drop-btn[aria-expanded="true"] {
  color: #fff;
  background: rgba(255,255,255,.1);
}
.nav-drop-btn:focus-visible { outline: 2px solid rgba(255,255,255,.6); outline-offset: -2px; border-radius: 3px; }
.caret { font-size: .55rem; opacity: .65; transition: transform .2s; display: inline-block; }
.nav-drop-btn[aria-expanded="true"] .caret { transform: rotate(180deg); }

/* Dropdown panel */
.nav-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 0px);
  left: 0;
  min-width: 230px;
  background: var(--navy-dark);
  border-top: 2px solid var(--red);
  border-radius: 0 0 4px 4px;
  box-shadow: 0 8px 32px rgba(0,0,0,.45);
  z-index: 400;
  padding: .5rem 0;
}
.nav-dropdown.open { display: block; }
.nav-item.dd-right .nav-dropdown { left: auto; right: 0; }
.nav-dropdown li a {
  display: block;
  color: rgba(255,255,255,.72);
  font-size: .84rem;
  padding: .6rem 1.125rem;
  border-bottom: 1px solid rgba(255,255,255,.04);
  transition: color .12s, background .12s;
  white-space: nowrap;
}
.nav-dropdown li:last-child a { border-bottom: none; }
.nav-dropdown li a:hover { color: #fff; background: rgba(255,255,255,.08); }
/* Unbuilt page placeholder — shown in dropdown but not clickable */
.nav-nolink {
  display: block;
  color: rgba(255,255,255,.28);
  font-size: .82rem;
  padding: .5rem 1.125rem;
  border-bottom: 1px solid rgba(255,255,255,.04);
  cursor: default;
  font-style: italic;
}
.nav-dropdown li:last-child .nav-nolink { border-bottom: none; }

/* Right cluster */
.nav-right { display: flex; align-items: center; gap: .875rem; flex-shrink: 0; margin-left: auto; }
/* Phone hidden from desktop nav bar — visible in mobile menu and page content */
.nav-phone { display: none; }
.nav-phone-ico { height: 22px; width: 22px; flex-shrink: 0; }
.nav-cta { font-size: .8125rem; padding: .5rem .9rem; }

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: .5rem;
  background: none;
  border: none;
  margin-left: .25rem;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: all .3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===========================
   NAV — MOBILE
   =========================== */
.nav-mobile {
  position: fixed;
  top: 77px;
  left: 0;
  right: 0;
  background: var(--navy-dark);
  padding-bottom: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.08);
  z-index: 299;
  box-shadow: 0 8px 32px rgba(0,0,0,.4);
  overflow-y: auto;
  max-height: calc(100vh - 77px);
}
.nav-mobile > a {
  display: block;
  color: rgba(255,255,255,.78);
  font-size: .9375rem;
  font-weight: 500;
  padding: .75rem 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,.05);
  transition: color .12s, background .12s;
}
.nav-mobile > a:hover { color: #fff; background: rgba(255,255,255,.06); }

/* Mobile accordion groups */
.mob-group { border-bottom: 1px solid rgba(255,255,255,.05); }
.mob-group summary {
  color: rgba(255,255,255,.78);
  font-size: .9375rem;
  font-weight: 500;
  padding: .75rem 1.25rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.mob-group summary::-webkit-details-marker { display: none; }
.mob-group summary::after {
  content: '▾';
  font-size: .6rem;
  opacity: .6;
  transition: transform .2s;
  flex-shrink: 0;
}
.mob-group[open] summary::after { transform: rotate(180deg); }
.mob-group summary:hover { color: #fff; background: rgba(255,255,255,.06); }
.mob-group a {
  display: block;
  color: rgba(255,255,255,.6);
  font-size: .875rem;
  padding: .5rem 1.25rem .5rem 2rem;
  border-bottom: 1px solid rgba(255,255,255,.03);
  transition: color .12s, background .12s;
}
.mob-group a:last-child { border-bottom: none; }
.mob-group a:hover { color: #fff; background: rgba(255,255,255,.06); }
/* Unbuilt page placeholder in mobile nav */
.mob-nolink {
  display: block;
  color: rgba(255,255,255,.28);
  font-size: .84rem;
  padding: .45rem 1.25rem .45rem 2rem;
  border-bottom: 1px solid rgba(255,255,255,.03);
  cursor: default;
  font-style: italic;
}

/* Mobile CTA & phone */
.mob-cta-link {
  display: block;
  background: var(--red) !important;
  color: #fff !important;
  font-weight: 700 !important;
  text-align: center;
  border-radius: 4px;
  margin: .75rem 1.25rem .25rem;
  padding: .75rem 1rem;
  border-bottom: none !important;
  transition: background .15s !important;
}
.mob-cta-link:hover { background: var(--red-dark) !important; }
.mobile-phone {
  color: #FF8A9C !important;
  font-weight: 700 !important;
  text-align: center;
  display: block;
  padding: .75rem 1.25rem !important;
  border-bottom: none !important;
}

/* ===========================
   PAGE HERO (inner pages)
   =========================== */
.page-hero {
  background: var(--navy);
  color: #fff;
  padding: 4rem 0 3.5rem;
  border-bottom: 3px solid var(--red);
}
.page-hero-in { max-width: 1220px; margin: 0 auto; padding: 0 1.5rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .78rem;
  color: rgba(255,255,255,.42);
  margin-bottom: 1rem;
}
.breadcrumb a { color: rgba(255,255,255,.55); transition: color .15s; }
.breadcrumb a:hover { color: rgba(255,255,255,.9); }
.breadcrumb-sep { opacity: .35; }
.page-tag {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(200,16,46,.18);
  border: 1px solid rgba(200,16,46,.38);
  color: #FFA0B0;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: .35rem .875rem;
  border-radius: 2px;
  margin-bottom: 1.25rem;
}
.page-hero h1 {
  font-family: Georgia, serif;
  font-size: clamp(1.75rem, 3.5vw, 3rem);
  color: #fff;
  margin-bottom: .875rem;
}
.page-hero h1 em { font-style: normal; color: #FF8A9C; }
.page-hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.7);
  max-width: 56ch;
  line-height: 1.72;
}

/* ===========================
   PAGE HERO — PHOTO VARIANT
   Two-column layout: text left, image right.
   .page-hero--photo modifier only — all other .page-hero rules unchanged.
   =========================== */
.page-hero--photo .page-hero-in {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

/* Aspect-ratio container — prevents layout shift before image loads */
.page-hero-photo {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  aspect-ratio: 4 / 3;
  background: rgba(255,255,255,.06); /* subtle placeholder while loading */
}

.page-hero-photo picture {
  display: block;
  width: 100%;
  height: 100%;
}

.page-hero-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
}

/* Inset ring to integrate the photo with the dark hero background */
.page-hero-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 8px;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.1);
  pointer-events: none;
}

/* Mobile: collapse to single column; hide photo panel.
   Combined with data-URI <img> fallback and media-gated <source> elements,
   mobile devices make zero network requests for hero panel images. */
@media (max-width: 767px) {
  .page-hero--photo .page-hero-in {
    grid-template-columns: 1fr;
  }
  .page-hero-photo {
    display: none;
  }
}

/* ===========================
   HERO
   =========================== */
.hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; min-height: 88vh; display: flex; align-items: center; }
.hero-bg-img { position: absolute; inset: 0; pointer-events: none; }
.hero-bg-img img { width: 100%; height: 100%; object-fit: cover; object-position: 54% center; opacity: .94; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(8,29,63,.95) 0%, rgba(8,29,63,.90) 30%, rgba(8,29,63,.46) 52%, rgba(8,29,63,.10) 78%, rgba(8,29,63,.06) 100%); }
.hero-in {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 1220px;
  margin: 0 auto;
  padding: 5rem 1.5rem 4rem;
  display: flex;
  align-items: center;
}
.hero-in > div { max-width: 640px; }
.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(200,16,46,.18);
  border: 1px solid rgba(200,16,46,.38);
  color: #FFA0B0;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: .35rem .875rem;
  border-radius: 2px;
  margin-bottom: 1.5rem;
}
.hero h1 { font-family: Georgia, serif; font-size: clamp(2rem, 4.5vw, 3.5rem); font-weight: 700; color: #fff; line-height: 1.09; margin-bottom: 1.25rem; }
.hero h1 em { font-style: normal; color: #FF8A9C; }
.hero-desc { font-size: 1.05rem; color: rgba(255,255,255,.74); max-width: 50ch; margin-bottom: 2.25rem; line-height: 1.78; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; align-items: center; margin-bottom: 2.5rem; }
.hero-cta { font-size: 1.0625rem; padding: 1rem 2.25rem; box-shadow: 0 4px 18px rgba(200,16,46,.32); }
.hero-trust { display: flex; align-items: center; gap: 1.75rem; padding-top: 1.75rem; border-top: 1px solid rgba(255,255,255,.1); flex-wrap: wrap; }
.hero-trust-item { display: flex; align-items: center; gap: .5rem; font-size: .875rem; color: rgba(255,255,255,.66); }
.hero-trust-item::before { content: '✓'; color: #FF8A9C; font-weight: 700; font-size: 1rem; }

.hero-badge {
  position: absolute;
  bottom: 1.5rem;
  left: 0;
  background: rgba(8,29,63,.88);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 10px;
  padding: .875rem 1.25rem;
  display: flex;
  align-items: center;
  gap: .875rem;
  backdrop-filter: blur(10px);
}
.badge-n { font-family: Georgia, serif; font-size: 1.75rem; font-weight: 700; color: #fff; line-height: 1; }
.badge-n span { color: #FF8A9C; }
.badge-t { font-size: .78rem; color: rgba(255,255,255,.6); max-width: 9ch; line-height: 1.4; }

/* ===========================
   TRUCKING SPECIALTY SPOTLIGHT
   =========================== */
.trucking-spotlight {
  background: var(--navy-dark);
  color: #fff;
  padding: 5rem 0;
  border-bottom: 3px solid var(--red);
}
.ts-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.ts-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(200,16,46,.18);
  border: 1px solid rgba(200,16,46,.38);
  color: #FFA0B0;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: .35rem .875rem;
  border-radius: 2px;
  margin-bottom: 1.25rem;
}
.ts-title {
  font-family: Georgia, serif;
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  color: #fff;
  line-height: 1.12;
  margin-bottom: 1.25rem;
}
.ts-title em { font-style: normal; color: #FF8A9C; }
.ts-desc {
  font-size: 1rem;
  color: rgba(255,255,255,.72);
  line-height: 1.78;
  max-width: 48ch;
  margin-bottom: 2rem;
}
.ts-ctas { display: flex; gap: 1rem; flex-wrap: wrap; }
.ts-coverages {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .875rem;
}
.ts-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-left: 3px solid var(--red);
  border-radius: 4px;
  padding: 1.125rem 1.25rem;
  transition: background .18s, border-left-color .18s;
}
.ts-card:hover { background: rgba(255,255,255,.08); border-left-color: #FF8A9C; }
.ts-card-title {
  font-family: Georgia, serif;
  font-size: .9375rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: .375rem;
}
.ts-card-desc { font-size: .8125rem; color: rgba(255,255,255,.55); line-height: 1.55; }

/* Skip-to-content link (accessibility) */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  z-index: 9999;
  background: var(--navy);
  color: #fff;
  padding: .5rem 1rem;
  border-radius: 0 0 4px 4px;
  font-size: .9rem;
  font-weight: 700;
  text-decoration: none;
  transition: top .1s;
}
.skip-link:focus { top: 0; }

/* Staging notice banner */
.staging-notice {
  background: #7c3d0e;
  border-bottom: 2px solid #f59e0b;
  color: #fef3c7;
  padding: .625rem 1.5rem;
  font-size: .8125rem;
  text-align: center;
}
.staging-notice strong { color: #fde68a; }

/* Temp form label */
.form-temp-label {
  display: block;
  background: rgba(245,158,11,.12);
  border: 1px solid rgba(245,158,11,.35);
  border-radius: 4px;
  padding: .625rem 1rem;
  font-size: .78rem;
  color: #fcd34d;
  text-align: center;
  margin-bottom: .75rem;
}

/* ===========================
   DOT & MC CALLOUT
   =========================== */
.dot-callout {
  background: var(--bg-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 3.5rem 0;
}
.dot-in {
  display: flex;
  gap: 2.5rem;
  align-items: flex-start;
}
.dot-icon {
  font-size: 3rem;
  flex-shrink: 0;
  line-height: 1;
  margin-top: .25rem;
}
.dot-eyebrow {
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: .5rem;
}
.dot-title {
  font-family: Georgia, serif;
  font-size: clamp(1.35rem, 2.5vw, 1.875rem);
  color: var(--heading);
  margin-bottom: .875rem;
  line-height: 1.25;
}
.dot-desc {
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 1rem;
}
.dot-list {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .4rem .75rem;
}
.dot-list li {
  color: var(--body);
  font-size: .9rem;
  padding-left: 1.25rem;
  position: relative;
}
.dot-list li::before {
  content: "✓";
  color: var(--red);
  font-weight: 700;
  position: absolute;
  left: 0;
}

@media (max-width: 960px) {
  .dot-in { flex-direction: column; gap: 1.25rem; }
  .dot-icon { font-size: 2.25rem; }
  .dot-list { grid-template-columns: 1fr; }
}

/* ===========================
   QUOTE CARDS
   =========================== */
.quotes-sec { background: var(--bg-alt); padding: 4.5rem 0; }
.qhead { text-align: center; margin-bottom: 2.5rem; }
.qhead h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); color: var(--heading); margin-bottom: .5rem; }
.qhead p { color: var(--muted); font-size: .9375rem; }

.qgrid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.qcard {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 1.75rem 1.5rem 1.5rem;
  min-height: 210px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(13,45,94,.08);
  text-decoration: none;
  color: inherit;
  transition: transform .2s ease, box-shadow .2s ease;
}
.qcard:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(13,45,94,.18); }
.qcard:focus-visible { outline: 3px solid var(--navy); outline-offset: 3px; border-radius: 12px; }

.qcard-icon { width: 44px; height: 44px; color: var(--navy); margin-bottom: 1rem; flex-shrink: 0; }
.qcard-icon svg { width: 100%; height: 100%; }
.qcard-name { font-family: Georgia, serif; font-size: 1.0625rem; font-weight: 700; color: var(--heading); margin-bottom: .375rem; }
.qcard-desc { font-size: .875rem; color: var(--muted); line-height: 1.55; flex: 1; }
.qcard-cta { margin-top: 1.125rem; font-size: .8125rem; font-weight: 600; color: var(--navy); letter-spacing: .02em; }

/* ===========================
   STATS BAR
   =========================== */
.stats { background: var(--navy); padding: 3.5rem 0; color: #fff; }
.stats-in { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
.sv { font-family: Georgia, serif; font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; color: #fff; line-height: 1; margin-bottom: .5rem; }
.sv span { color: #FF8A9C; }
.sl { font-size: .875rem; color: rgba(255,255,255,.56); letter-spacing: .02em; }

/* ===========================
   PRODUCTS
   =========================== */
.products { background: #fff; }
.shead { text-align: center; margin-bottom: 3rem; }
.stitle { font-size: clamp(1.75rem, 3.5vw, 2.5rem); font-weight: 700; color: var(--heading); margin-bottom: .75rem; }
.ssub { font-size: 1rem; color: var(--muted); max-width: 54ch; margin: 0 auto; }
.pgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.pcard {
  background: #fff;
  border: 1.5px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: 6px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: .75rem;
  transition: box-shadow .2s, transform .2s, border-left-color .2s;
}
.pcard:hover { box-shadow: 0 8px 32px rgba(13,45,94,.12); transform: translateY(-3px); border-left-color: var(--red); }
.pcard-head { display: flex; align-items: center; gap: .875rem; }
.pico { width: 44px; height: 44px; background: var(--bg-alt); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--navy); flex-shrink: 0; font-size: 1.375rem; }
.pname { font-family: Georgia, serif; font-size: 1.0625rem; font-weight: 700; color: var(--heading); }
.pdesc { font-size: .9rem; color: var(--muted); line-height: 1.65; flex: 1; }
.plink { display: inline-flex; align-items: center; gap: .375rem; font-size: .875rem; font-weight: 700; color: var(--red); margin-top: auto; transition: gap .15s; }
.plink:hover { gap: .625rem; }

/* ===========================
   HOW IT WORKS
   =========================== */
.how { background: var(--bg-alt); }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; position: relative; }
.steps::before { content: ''; position: absolute; top: 27px; left: 12.5%; right: 12.5%; height: 2px; background: var(--border); z-index: 0; }
.step { display: flex; flex-direction: column; align-items: center; text-align: center; gap: .875rem; position: relative; z-index: 1; }
.snum { width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: #fff; font-family: Georgia, serif; font-size: 1.25rem; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; border: 3px solid #EEF4FF; box-shadow: 0 0 0 2px var(--navy); }
.stitle-s { font-family: Georgia, serif; font-size: 1.0625rem; font-weight: 700; color: var(--heading); margin-bottom: .375rem; }
.sdesc { font-size: .9rem; color: var(--muted); line-height: 1.65; }

/* ===========================
   ABOUT
   =========================== */
.about-in { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.about-text { display: flex; flex-direction: column; gap: 1.25rem; }
.ap { font-size: 1rem; color: var(--body); line-height: 1.78; }
.am { font-size: .9375rem; color: var(--muted); line-height: 1.78; }
.bullets { display: flex; flex-direction: column; gap: .75rem; margin-top: .25rem; }
.bullet { display: flex; align-items: flex-start; gap: .75rem; font-size: .9375rem; color: var(--body); }
.bdot { width: 8px; height: 8px; border-radius: 50%; background: var(--red); flex-shrink: 0; margin-top: .45rem; }
.cbox { background: var(--bg-alt); border: 1.5px solid var(--border); border-radius: 8px; padding: 2rem; display: flex; flex-direction: column; gap: 1.25rem; }
.cbox-title { font-family: Georgia, serif; font-size: 1.0625rem; font-weight: 700; color: var(--heading); }
.cbox-sub { font-size: .875rem; color: var(--muted); margin-top: -.75rem; }
.cdetail { display: flex; align-items: flex-start; gap: .875rem; }
.cico { width: 36px; height: 36px; background: var(--navy); color: #fff; border-radius: 6px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: .875rem; }
.clbl { font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.cval { font-size: .9375rem; color: var(--body); font-weight: 500; line-height: 1.5; }

/* ===========================
   CONTACT SECTION (navy)
   =========================== */
.contact-sec { background: var(--navy); color: #fff; padding: 5rem 0; }
.contact-in {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: start;
  max-width: 1220px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.cl h2 { font-family: Georgia, serif; font-size: clamp(1.75rem, 3vw, 2.4rem); color: #fff; margin-bottom: 1rem; }
.cl p { color: rgba(255,255,255,.7); font-size: 1rem; line-height: 1.78; max-width: 38ch; }
.ck { display: flex; flex-direction: column; gap: .75rem; margin-top: 1.75rem; }
.ck-item { display: flex; align-items: center; gap: .625rem; color: rgba(255,255,255,.68); font-size: .9rem; }
.ck-item::before { content: '✓'; color: #FFA0B0; font-weight: 700; }
.form { display: flex; flex-direction: column; gap: 1rem; }
.frow { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.fg { display: flex; flex-direction: column; gap: .375rem; }
.fl { font-size: .78rem; font-weight: 600; letter-spacing: .05em; color: rgba(255,255,255,.7); }
.fi {
  padding: .75rem 1rem;
  border: 1.5px solid rgba(255,255,255,.2);
  border-radius: 4px;
  background: rgba(255,255,255,.07);
  color: #fff;
  font-size: .9375rem;
  font-family: inherit;
  outline: none;
  transition: border-color .15s, background .15s;
  appearance: none;
  width: 100%;
}
.fi::placeholder { color: rgba(255,255,255,.3); }
.fi:focus { border-color: rgba(255,255,255,.55); background: rgba(255,255,255,.1); }
.fi:focus-visible { outline: 2px solid rgba(255,255,255,.5); outline-offset: 1px; }
select.fi { cursor: pointer; }
select.fi option { background: #0D2D5E; color: #fff; }
textarea.fi { resize: vertical; min-height: 100px; }
.fnote { font-size: .78rem; color: rgba(255,255,255,.36); text-align: center; }
.form-success {
  display: none;
  background: rgba(22,101,52,.35);
  border: 1px solid rgba(74,222,128,.3);
  border-radius: 6px;
  padding: 1.25rem;
  text-align: center;
  color: #86efac;
  font-size: .9375rem;
}

/* Contact page info layout */
.contact-page-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.ci-item { display: flex; align-items: flex-start; gap: .875rem; margin-bottom: 1.25rem; }
.ci-ico { width: 38px; height: 38px; background: var(--red); color: #fff; border-radius: 6px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: .9rem; }
.ci-lbl { font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.45); margin-bottom: .125rem; }
.ci-val { font-size: .9375rem; color: rgba(255,255,255,.85); line-height: 1.55; }
.ci-val a { color: rgba(255,255,255,.85); transition: color .15s; }
.ci-val a:hover { color: #fff; }
.map-wrap { margin-top: 1.5rem; border-radius: 8px; overflow: hidden; border: 1px solid rgba(255,255,255,.1); }
.map-wrap iframe { display: block; width: 100%; height: 220px; border: none; }
.contact-form-box {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  padding: 2.25rem;
}
.contact-form-box h3 { font-family: Georgia, serif; font-size: 1.25rem; color: #fff; margin-bottom: 1.5rem; }

/* ===========================
   CARRIERS
   =========================== */
.carriers { background: var(--bg-alt); padding: 3rem 0; }
.clbl-h { text-align: center; font-size: .7rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-bottom: 1.75rem; }
.clogos { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }
.cbadge { padding: .55rem 1.375rem; background: #fff; border: 1.5px solid var(--border); border-radius: 4px; font-size: .8125rem; font-weight: 700; color: var(--muted); letter-spacing: .04em; }

/* ===========================
   FOOTER
   =========================== */
footer { background: #061524; color: rgba(255,255,255,.52); padding: 4rem 0 2rem; }

.fin {
  display: flex;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.07);
}

/* Brand block — fixed left column */
.fbrand { flex: 0 0 220px; }
.flogo img { height: 48px; width: auto; margin-bottom: 1rem; }
.fdesc { font-size: .875rem; line-height: 1.78; max-width: 32ch; margin-bottom: .5rem; }
.fhq { font-size: .8rem; color: rgba(255,255,255,.4); margin-bottom: .2rem; }
.flic { font-size: .75rem; color: rgba(255,255,255,.25); margin-bottom: 1rem; }
.fcontact-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .4rem; }
.fcontact-list a { font-size: .875rem; color: rgba(255,255,255,.5); transition: color .15s; }
.fcontact-list a:hover { color: #fff; }
.fcontact-list li { font-size: .875rem; color: rgba(255,255,255,.5); line-height: 1.6; }

/* Link columns grid — 3 columns × 2 rows */
.flinks-grid {
  flex: 1;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem 1.75rem;
}

/* Individual link column */
.fcol-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  padding: 0;
  text-align: left;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.78);
  margin-bottom: .875rem;
  cursor: default;
}
.fchev { display: none; }
.flinks { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .5rem; }
.flinks a { font-size: .875rem; color: rgba(255,255,255,.5); transition: color .15s; }
.flinks a:hover { color: #fff; }
.flinks li { font-size: .875rem; color: rgba(255,255,255,.5); }

/* Hero licensed states line */
.hero-licensed { font-size: .8rem; color: rgba(255,255,255,.55); margin-top: .625rem; margin-bottom: 0; line-height: 1.5; }

.fbot { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; padding-top: 2rem; font-size: .78rem; color: rgba(255,255,255,.28); }
.fbot a { color: rgba(255,255,255,.28); transition: color .15s; }
.fbot a:hover { color: rgba(255,255,255,.65); }
.fbot-links { display: flex; gap: 1.5rem; }

/* ===========================
   SERVICE PAGES
   =========================== */
.sec-alt { background: var(--bg-alt); }

/* Two-column content split */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }

/* Coverage type cards */
.cov-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.cov-card {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.5rem;
  border-top: 3px solid var(--navy);
}
.cov-card h3 { font-size: 1rem; color: var(--heading); margin-bottom: .5rem; }
.cov-card p { font-size: .9rem; color: var(--muted); line-height: 1.65; margin-top: .5rem; }
.cov-card-note { font-size: .78rem; font-weight: 700; color: var(--red); margin-top: .625rem; }
.cov-card-link { font-size: .82rem; font-weight: 600; color: var(--navy); margin-top: .625rem; display: block; }

/* Checkmark list */
.check-list { list-style: none; display: flex; flex-direction: column; gap: .625rem; }
.check-list li { display: flex; gap: .75rem; align-items: flex-start; font-size: .95rem; color: var(--body); line-height: 1.55; }
.check-list li::before { content: '✓'; color: var(--navy); font-weight: 700; flex-shrink: 0; margin-top: .1rem; }

/* Arrow list for considerations */
.note-list { list-style: none; display: flex; flex-direction: column; gap: .625rem; }
.note-list li { display: flex; gap: .75rem; align-items: flex-start; font-size: .95rem; color: var(--body); line-height: 1.55; }
.note-list li::before { content: '→'; color: var(--muted); flex-shrink: 0; }

/* Whitestone advantage grid */
.adv-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.adv-item { background: #fff; border: 1px solid var(--border); border-radius: 8px; padding: 1.25rem 1.5rem; border-left: 4px solid var(--red); }
.adv-item h3 { font-size: .9375rem; color: var(--heading); margin-bottom: .375rem; }
.adv-item p { font-size: .875rem; color: var(--muted); line-height: 1.55; }

/* FAQ accordion (details/summary) */
.faq-list { display: flex; flex-direction: column; gap: .75rem; }
.faq-item { border: 1px solid var(--border); border-radius: 8px; overflow: hidden; }
.faq-item summary {
  padding: 1.125rem 1.25rem;
  font-weight: 600;
  font-size: .9375rem;
  color: var(--heading);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: #fff;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: var(--navy); font-size: 1.375rem; font-weight: 300; flex-shrink: 0; line-height: 1; }
.faq-item[open] > summary::after { content: '−'; }
.faq-item[open] > summary { background: var(--bg-alt); border-bottom: 1px solid var(--border); }
.faq-body { padding: 1.125rem 1.25rem 1.25rem; background: #fff; }
.faq-body p { font-size: .9rem; color: var(--body); line-height: 1.7; }
.faq-body p + p { margin-top: .75rem; }

/* Related services grid */
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.rel-card { display: block; background: var(--bg-alt); border: 1px solid var(--border); border-radius: 8px; padding: 1.25rem 1.375rem; text-decoration: none; transition: box-shadow .18s, transform .18s; }
.rel-card:hover { box-shadow: 0 6px 24px rgba(13,45,94,.1); transform: translateY(-2px); }
.rel-card:focus-visible { outline: 3px solid var(--navy); outline-offset: 2px; border-radius: 8px; }
.rel-card-name { font-family: Georgia, serif; font-weight: 700; color: var(--heading); font-size: .9375rem; margin-bottom: .375rem; }
.rel-card-desc { font-size: .8375rem; color: var(--muted); line-height: 1.55; }
.rel-card-link { font-size: .8125rem; font-weight: 600; color: var(--navy); margin-top: .75rem; display: block; }

/* CTA band (navy) */
.cta-band { background: var(--navy); color: #fff; padding: 4.5rem 0; text-align: center; }
.cta-band h2 { font-family: Georgia, serif; font-size: clamp(1.5rem, 3vw, 2.5rem); color: #fff; margin-bottom: 1rem; }
.cta-band p { font-size: 1rem; color: rgba(255,255,255,.72); margin-bottom: 2rem; max-width: 52ch; margin-left: auto; margin-right: auto; }
.cta-band-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* Disclaimer box */
.disclaimer {
  font-size: .8125rem;
  color: var(--muted);
  line-height: 1.65;
  padding: 1.25rem 1.5rem;
  background: var(--bg-alt);
  border-left: 3px solid var(--border);
  border-radius: 0 6px 6px 0;
  margin-top: 3rem;
}

/* Note callout box */
.note-box {
  padding: 1.25rem 1.5rem;
  background: var(--bg-alt);
  border-radius: 8px;
  border: 1px solid var(--border);
  margin-top: 2rem;
}
.note-box p { font-size: .9rem; color: var(--muted); line-height: 1.65; }
.note-box strong { color: var(--body); }

/* Service page section h2 */
.sec-title-left { font-family: Georgia, serif; font-size: clamp(1.5rem, 3vw, 2.125rem); color: var(--heading); margin-bottom: 1.25rem; line-height: 1.2; }

/* Responsive: service pages */
@media (max-width: 960px) {
  .cov-grid { grid-template-columns: repeat(2, 1fr); }
  .adv-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
  .two-col { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .cov-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .cta-band-btns { flex-direction: column; align-items: center; }
}

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 1250px) {
  .nav-logo { margin-right: 22px; }
}
/* Desktop nav's own content (logo + links + phone/CTA, all no-wrap) needs
   ~1046px at this reduced logo margin/padding — switch to the mobile menu
   before that point (with a buffer for scrollbar/font-rendering variance)
   so the bar never overflows the viewport. Kept separate from the 960px
   content-layout breakpoint below since that one drives page section
   grids, not the nav bar. */
@media (max-width: 1080px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
}
@media (max-width: 960px) {
  .hero-in { padding-bottom: 3rem; }
  .hero-in > div { max-width: 100%; }
  .hero-bg-img img { object-position: 62% center; }
  .hero-overlay { background: linear-gradient(to bottom, rgba(8,29,63,.92) 0%, rgba(8,29,63,.82) 60%, rgba(8,29,63,.70) 100%); }
  .ts-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .ts-coverages { grid-template-columns: 1fr 1fr; }
  .qgrid { grid-template-columns: repeat(3, 1fr); }
  .stats-in { grid-template-columns: repeat(2, 1fr); }
  .pgrid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .about-in { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-in { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-page-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  /* Footer: stack brand above 2-col link grid */
  .fin { flex-direction: column; gap: 2rem; }
  .fbrand { flex: none; }
  .flinks-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem 1.25rem; }
}
@media (max-width: 600px) {
  .sec { padding: 3.5rem 0; }
  .ts-coverages { grid-template-columns: 1fr; }
  .ts-ctas { flex-direction: column; }
  .qgrid { grid-template-columns: repeat(2, 1fr); }
  .stats-in { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .steps { grid-template-columns: 1fr; }
  .pgrid { grid-template-columns: 1fr; }
  .frow { grid-template-columns: 1fr; }
  .contact-form-box { padding: 1.5rem; }
  /* Footer accordion layout */
  .fin { padding-bottom: 0; border-bottom: none; }
  .fbrand { padding-bottom: 2rem; border-bottom: 1px solid rgba(255,255,255,.07); }
  .flinks-grid { grid-template-columns: 1fr; gap: 0; }
  .fcol { border-top: 1px solid rgba(255,255,255,.07); }
  .fcol-toggle { cursor: pointer; padding: .875rem 0; margin-bottom: 0; }
  .fchev { display: flex; align-items: center; font-size: .9rem; transition: transform .25s ease; flex-shrink: 0; }
  .fchev::after { content: '▾'; }
  .fcol-toggle[aria-expanded="true"] .fchev { transform: rotate(180deg); }
  .flinks { padding: .375rem 0 1rem; }
  .fbot { border-top: 1px solid rgba(255,255,255,.07); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* ===========================
   BOOKING CTA + MODAL (Agent-CRM calendars)
   =========================== */
.booking-cta-box { max-width: 640px; margin: 0 auto; text-align: center; }
.booking-cta-box .btn { margin-top: .25rem; }

body.booking-modal-open { overflow: hidden; }
.booking-modal[hidden] { display: none; }
.booking-modal {
  position: fixed;
  inset: 0;
  z-index: 999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
}
.booking-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(8, 17, 36, .72);
}
.booking-modal-panel {
  position: relative;
  background: #fff;
  border-radius: 14px;
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, .35);
}
.booking-modal-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--border);
  flex-shrink: 0;
}
.booking-modal-title { font-size: 1.05rem; font-weight: 700; color: var(--heading); }
.booking-modal-head-actions { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.booking-modal-fallback-link {
  font-size: .8125rem;
  font-weight: 600;
  color: var(--navy-mid);
  white-space: nowrap;
}
.booking-modal-fallback-link:hover { text-decoration: underline; }
.booking-modal-close {
  background: transparent;
  border: 0;
  font-size: 1.15rem;
  line-height: 1;
  cursor: pointer;
  color: var(--muted);
  padding: .4rem .6rem;
  border-radius: 6px;
  flex-shrink: 0;
}
.booking-modal-close:hover { background: var(--bg-alt); color: var(--heading); }
.booking-modal-close:focus-visible { outline: 3px solid var(--navy-mid); outline-offset: 2px; }
.booking-modal-body { flex: 1; min-height: 0; }
.booking-modal-iframe { width: 100%; height: 100%; min-height: 620px; border: 0; display: block; }
@media (max-width: 640px) {
  .booking-modal { padding: 0; }
  .booking-modal-panel { max-width: 100%; height: 100%; max-height: 100%; border-radius: 0; }
  .booking-modal-iframe { min-height: 0; }
  .booking-modal-fallback-link { font-size: .75rem; }
}

/* ===========================
   CONTACT PAGE — FULL EMBEDDED CALENDAR
   =========================== */
.contact-calendar-wrap {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  background: #fff;
}
.contact-calendar-wrap iframe { display: block; width: 100%; min-height: 900px; border: 0; }
.contact-calendar-fallback { margin-top: 1rem; font-size: .875rem; color: var(--muted); text-align: center; }
.contact-calendar-fallback a { color: var(--navy-mid); text-decoration: underline; font-weight: 600; }