/* ===========================================================================
   Employer Insurance Services — Design System v49
   Inspired by insuranceinc.com's clarity, dressed in your navy/gold brand.
   =========================================================================== */

:root {
  /* ---- Brand palette (Original v48: Navy + Gold + Warm Cream) ---- */
  --navy:        #09182d;   /* primary brand */
  --navy-mid:    #122432;   /* secondary navy (logo dark) */
  --navy-soft:   #1a2c44;   /* hover/lighter navy */
  --green:       #c8943a;   /* primary accent — gold */
  --green-light: #d4a857;   /* hover/lighter gold */
  --green-pale:  #f4e8c6;   /* very light gold/cream */
  --cream:       #f7f4ec;   /* page background variant */
  --paper:       #ffffff;   /* card / form background */
  --ink:         #1a1a1a;   /* body text */
  --ink-muted:   #5a6470;   /* secondary text */
  --line:        #e6e1d2;   /* borders */
  --line-soft:   #f0ece0;   /* light borders */
  --success:     #1e7c4a;
  --alert:       #b54344;

  /* Backwards-compat aliases so existing CSS rules still work */
  --gold:        var(--green);
  --gold-light:  var(--green-light);
  --gold-pale:   var(--green-pale);

  --radius:    10px;
  --radius-sm: 6px;
  --radius-lg: 16px;
  --shadow:    0 12px 32px rgba(9, 24, 45, 0.10);
  --shadow-lg: 0 24px 64px rgba(9, 24, 45, 0.14);
  --shadow-sm: 0 2px 8px rgba(9, 24, 45, 0.06);

  --font-serif: 'Playfair Display', 'Playfair Display Fallback', Georgia, serif;
  --font-sans:  'DM Sans', 'DM Sans Fallback', -apple-system, BlinkMacSystemFont, 'Segoe UI', Inter, sans-serif;
}

/* ===========================================================================
   Reset & base
   =========================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
svg { display: inline-block; vertical-align: middle; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  font-weight: 700;
  line-height: 1.18;
  color: var(--navy);
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.25rem, 4.5vw, 3.75rem); line-height: 1.05; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.125rem; }
p  { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: 0.4em; }

/* ===========================================================================
   Layout primitives
   =========================================================================== */
.container { width: min(1200px, calc(100% - 40px)); margin-inline: auto; }
.container-narrow { width: min(820px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 80px 0; }
.section-soft { background: var(--cream); }
.section-navy { background: var(--navy); color: var(--paper); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--paper); }
.section-tight { padding: 48px 0; }

.skip-link {
  position: absolute; left: 16px; top: -80px;
  background: var(--gold); color: var(--navy);
  padding: 12px 18px; z-index: 999; border-radius: var(--radius-sm);
  font-weight: 700; transition: top 0.18s ease;
}
.skip-link:focus { top: 12px; }

/* ===========================================================================
   Top strip + header + nav
   =========================================================================== */
.top-strip {
  background: var(--navy);
  color: var(--paper);
  font-size: 0.85rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.top-strip-inner {
  min-height: 38px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.top-strip a { color: var(--gold); font-weight: 600; }
.top-strip a:hover { color: var(--gold-light); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line-soft);
}
.header-inner {
  min-height: 78px;
  display: flex;
  align-items: center;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.brand-mark {
  width: 44px; height: 44px;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.brand-mark img, .brand-mark svg {
  width: 100%;
  height: 100%;
  display: block;
}
.brand-text strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.1;
}
.brand-text small {
  display: block;
  font-size: 0.7rem;
  color: var(--ink-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav-menu { position: relative; }
.nav-menu > summary, .nav-link {
  list-style: none;
  cursor: pointer;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  white-space: nowrap;
}
.nav-menu > summary::-webkit-details-marker { display: none; }
.nav-menu > summary::after {
  content: '';
  display: inline-block;
  width: 8px; height: 8px;
  margin-left: 6px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  vertical-align: middle;
  opacity: 0.6;
}
.nav-menu[open] > summary, .nav-menu > summary:hover, .nav-link:hover {
  background: var(--cream);
}
.nav-panel {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 8px;
  display: grid;
  gap: 2px;
  z-index: 100;
}
.nav-panel a {
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
}
.nav-panel a:hover { background: var(--gold-pale); }

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.menu-button {
  display: none;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--line);
  background: var(--paper);
  border-radius: var(--radius-sm);
  min-height: 44px;
  padding: 0 14px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
}
.menu-button svg { width: 20px; height: 20px; }

/* ===========================================================================
   Buttons
   =========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 22px;
  font-weight: 700;
  font-size: 0.95rem;
  line-height: 1;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: transform 0.12s ease, box-shadow 0.12s ease, background 0.12s ease, color 0.12s ease, border-color 0.12s ease;
  text-align: center;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 6px 16px rgba(200, 148, 58, 0.32);
}
.btn-gold:hover { background: var(--gold-light); box-shadow: 0 8px 22px rgba(200, 148, 58, 0.42); }
.btn-navy {
  background: var(--navy);
  color: var(--paper);
}
.btn-navy:hover { background: var(--navy-soft); }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}
.btn-ghost:hover { background: var(--cream); border-color: var(--gold); }
.btn-ghost-light {
  background: rgba(255, 255, 255, 0.08);
  color: var(--paper);
  border-color: rgba(255, 255, 255, 0.28);
}
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.14); border-color: var(--gold); }
.btn svg { width: 18px; height: 18px; }
.btn-large { min-height: 56px; padding: 0 28px; font-size: 1rem; }

/* ===========================================================================
   Hero
   =========================================================================== */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--paper);
  isolation: isolate;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(135deg, rgba(9, 24, 45, 0.96) 0%, rgba(9, 24, 45, 0.78) 50%, rgba(9, 24, 45, 0.55) 100%),
    radial-gradient(ellipse at top right, rgba(200, 148, 58, 0.18), transparent 60%);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 440px);
  gap: 48px;
  align-items: center;
  padding: 72px 0 88px;
}
.hero-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero h1 {
  color: var(--paper);
  margin-bottom: 18px;
}
.hero h1 em { color: var(--gold); font-style: italic; }
.hero-lede {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.86);
  max-width: 56ch;
  margin-bottom: 24px;
}
.hero-pills {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.hero-pills span {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  padding: 7px 14px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--paper);
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* "Page hero" — smaller hero used on inner pages, no form alongside */
.page-hero {
  background: var(--navy);
  color: var(--paper);
  padding: 56px 0 72px;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(120deg, rgba(9, 24, 45, 0.94) 0%, rgba(9, 24, 45, 0.74) 100%),
    radial-gradient(ellipse at top right, rgba(200, 148, 58, 0.16), transparent 60%);
}
.page-hero h1 { color: var(--paper); margin-bottom: 14px; }
.page-hero h1 em { color: var(--gold); font-style: italic; }
.page-hero .lede { font-size: 1.1rem; color: rgba(255, 255, 255, 0.84); max-width: 70ch; margin-bottom: 28px; }
.page-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 420px);
  gap: 40px;
  align-items: start;
}

/* ===========================================================================
   Breadcrumbs
   =========================================================================== */
.breadcrumbs {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.breadcrumbs a { color: var(--gold); }
.breadcrumbs a:hover { color: var(--gold-light); }
.breadcrumbs span { color: rgba(255, 255, 255, 0.6); }

/* ===========================================================================
   Quote form (compact — for hero placement)
   =========================================================================== */
.quote-form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 28px;
  color: var(--ink);
}
.quote-form-head {
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line-soft);
}
.quote-form-head .eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}
.quote-form-head h2 {
  font-size: 1.4rem;
  margin-bottom: 6px;
  color: var(--navy);
}
.quote-form-head p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--ink-muted);
}
.quote-form label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
}
.quote-form .field { margin-bottom: 14px; }
.quote-form .field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 14px;
}
.quote-form .field-row .field { margin-bottom: 0; }
@media (max-width: 480px) {
  .quote-form .field-row { grid-template-columns: 1fr; gap: 0; }
  .quote-form .field-row .field { margin-bottom: 14px; }
}
.quote-form input,
.quote-form select,
.quote-form textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  background: var(--paper);
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.quote-form input:focus,
.quote-form select:focus,
.quote-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200, 148, 58, 0.22);
}
.quote-form button[type="submit"] {
  width: 100%;
  margin-top: 4px;
}
.quote-form-honeypot { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }
.form-note {
  margin: 14px 0 0;
  font-size: 0.78rem;
  color: var(--ink-muted);
  text-align: center;
}
.form-disclosure {
  font-size: 0.7rem;
  color: var(--ink-muted);
  line-height: 1.5;
  margin: 14px 0 0;
  padding: 12px 14px;
  background: var(--cream);
  border-radius: var(--radius-sm);
}

/* ===========================================================================
   Stats band (homepage trust strip)
   =========================================================================== */
.stats-band {
  background: var(--cream);
  border-block: 1px solid var(--line);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stats-grid > div {
  padding: 28px 20px;
  text-align: center;
  border-right: 1px solid var(--line);
}
.stats-grid > div:last-child { border-right: none; }
.stats-grid strong {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.stats-grid span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink-muted);
}

/* ===========================================================================
   Category tiles (homepage 4-card row)
   =========================================================================== */
.category-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-top: 36px;
}
.category-tile {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  position: relative;
  color: var(--navy);
}
.category-tile:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: var(--gold);
}
.category-tile-icon {
  width: 56px; height: 56px;
  margin: 0 auto 18px;
  display: grid; place-items: center;
  background: var(--cream);
  color: var(--gold);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.category-tile-icon svg { width: 28px; height: 28px; }
.category-tile h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
  color: var(--navy);
}
.category-tile p {
  font-size: 0.9rem;
  color: var(--ink-muted);
  margin: 0;
}

/* ===========================================================================
   Feature card grid (3-up, used for services on homepage etc.)
   =========================================================================== */
.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 48px;
}
.section-head .eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-head h2 { margin-bottom: 14px; }
.section-head p {
  font-size: 1.1rem;
  color: var(--ink-muted);
  margin: 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feature-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  color: var(--ink);
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--gold);
}
.feature-card-icon {
  width: 48px; height: 48px;
  display: grid; place-items: center;
  background: var(--cream);
  color: var(--gold);
  border-radius: var(--radius-sm);
  margin-bottom: 18px;
  border: 1px solid var(--line);
}
.feature-card-icon svg { width: 24px; height: 24px; }
.feature-card h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}
.feature-card p {
  color: var(--ink-muted);
  font-size: 0.92rem;
  flex: 1;
  margin-bottom: 16px;
}
.feature-card-link {
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.feature-card-link::after {
  content: '→';
  transition: transform 0.15s ease;
}
.feature-card:hover .feature-card-link::after { transform: translateX(4px); }

/* ===========================================================================
   Numbered "Why Choose Us" list
   =========================================================================== */
.numbered-list {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 20px;
  margin: 0;
  counter-reset: nlist;
}
.numbered-list li {
  position: relative;
  padding-left: 64px;
  margin-bottom: 0;
  counter-increment: nlist;
}
.numbered-list li::before {
  content: counter(nlist);
  position: absolute;
  left: 0; top: -2px;
  width: 44px; height: 44px;
  display: grid; place-items: center;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 700;
}
.numbered-list li strong {
  display: block;
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: 4px;
}
.numbered-list li p {
  margin: 0;
  color: var(--ink-muted);
  font-size: 0.94rem;
}

/* ===========================================================================
   Risk-graphic ("Click it. Read it. Cover it.") interactive widget
   =========================================================================== */
.risk-widget {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-top: 36px;
}
.risk-widget-head {
  text-align: center;
  margin-bottom: 28px;
}
.risk-widget-head h3 {
  font-size: 1.5rem;
  margin-bottom: 8px;
}
.risk-widget-head p {
  margin: 0;
  color: var(--ink-muted);
  font-size: 0.95rem;
}
.risk-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
}
.risk-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.risk-item[open] {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  grid-column: 1 / -1;
}
.risk-item summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.95rem;
  transition: background 0.12s ease;
}
.risk-item summary::-webkit-details-marker { display: none; }
.risk-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gold);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.risk-item[open] summary::after { transform: rotate(45deg); }
.risk-item summary:hover { background: var(--gold-pale); }
.risk-body {
  padding: 0 22px 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.risk-body h4 {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.risk-body p {
  margin: 0;
  font-size: 0.93rem;
  color: var(--ink-muted);
  line-height: 1.6;
}

/* ===========================================================================
   "3-step process" sidebar (next to forms)
   =========================================================================== */
.steps-sidebar {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
}
.steps-sidebar h3 {
  font-size: 1.3rem;
  margin-bottom: 6px;
}
.steps-sidebar > p {
  margin: 0 0 22px;
  color: var(--ink-muted);
  font-size: 0.92rem;
}
.steps-sidebar ol {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: steps;
}
.steps-sidebar ol li {
  position: relative;
  padding-left: 44px;
  margin-bottom: 18px;
  counter-increment: steps;
  color: var(--ink);
  font-weight: 500;
}
.steps-sidebar ol li::before {
  content: counter(steps);
  position: absolute;
  left: 0; top: -2px;
  width: 30px; height: 30px;
  display: grid; place-items: center;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  font-weight: 700;
  font-size: 0.9rem;
}

/* ===========================================================================
   Two-column form layout (page-bottom "Get a Quote" sections)
   =========================================================================== */
.form-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 480px);
  gap: 48px;
  align-items: start;
}
.form-layout .quote-form { margin: 0; }
.contact-list {
  display: grid;
  gap: 14px;
  margin-top: 24px;
}
.contact-list a, .contact-list span {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--navy);
  font-weight: 500;
}
.contact-list svg {
  width: 20px; height: 20px;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-list a:hover { color: var(--gold); }

/* ===========================================================================
   Testimonials
   =========================================================================== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.testimonial {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
}
.testimonial-stars {
  color: var(--gold);
  margin-bottom: 14px;
  display: flex;
  gap: 2px;
}
.testimonial-stars svg { width: 18px; height: 18px; fill: currentColor; }
.testimonial blockquote {
  margin: 0 0 18px;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.05rem;
  color: var(--navy);
  line-height: 1.5;
  flex: 1;
}
.testimonial-attr {
  font-size: 0.85rem;
  color: var(--ink-muted);
  font-weight: 600;
}

/* ===========================================================================
   CTA band (full-width navy strip before footer)
   =========================================================================== */
.cta-band {
  background: var(--navy);
  color: var(--paper);
  padding: 64px 0;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(ellipse at right, rgba(200, 148, 58, 0.18), transparent 60%);
}
.cta-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 32px;
  align-items: center;
}
.cta-inner .eyebrow {
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: inline-block;
  margin-bottom: 10px;
}
.cta-inner h2 { color: var(--paper); margin-bottom: 8px; }
.cta-inner p { color: rgba(255, 255, 255, 0.84); margin: 0; max-width: 60ch; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===========================================================================
   Two-column split (used on industry pages for "How it works" type sections)
   =========================================================================== */
.split-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.checklist {
  list-style: none;
  padding: 0;
  margin: 16px 0 0;
  display: grid;
  gap: 12px;
}
.checklist li {
  position: relative;
  padding-left: 32px;
  font-size: 0.96rem;
  margin-bottom: 0;
}
.checklist li::before {
  content: '';
  position: absolute;
  left: 0; top: 4px;
  width: 22px; height: 22px;
  background: var(--gold-pale);
  border-radius: 50%;
}
.checklist li::after {
  content: '';
  position: absolute;
  left: 6px; top: 11px;
  width: 10px; height: 5px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

/* Horizontal flowing checkmark list — items wrap naturally side-by-side */
.check-flow {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  padding: 0;
  margin: 18px 0 0;
  list-style: none;
}
.check-flow li {
  position: relative;
  padding: 6px 0 6px 28px;
  font-size: 0.96rem;
  color: var(--ink);
  margin: 0;
  flex: 0 0 auto;
}
.check-flow li::before {
  content: '';
  position: absolute;
  left: 0; top: 10px;
  width: 18px; height: 18px;
  background: var(--gold-pale);
  border-radius: 50%;
}
.check-flow li::after {
  content: '';
  position: absolute;
  left: 5px; top: 15px;
  width: 9px; height: 4px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

/* ===========================================================================
   Intro split (short prose + check-flow on left, small support panel on right)
   =========================================================================== */
.intro-split {
  display: grid;
  grid-template-columns: minmax(0, 1.7fr) minmax(260px, 1fr);
  gap: 48px;
  align-items: start;
}
.intro-split .eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.intro-split h2 { margin-bottom: 12px; }
.intro-split p { color: var(--ink-muted); font-size: 1rem; margin-bottom: 0; }

.support-panel {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}
.support-panel h3 {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 14px;
}
.support-panel a {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 10px 0;
  font-size: 0.9rem;
  color: var(--navy);
  border-bottom: 1px solid var(--line-soft);
  line-height: 1.4;
}
.support-panel a:last-child { border-bottom: none; }
.support-panel a:hover { color: var(--gold); }
.support-panel a svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

/* ===========================================================================
   Industry-jump card — styled searchable dropdown
   =========================================================================== */
.industry-jump {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}
.industry-jump h3 {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.industry-jump > p {
  font-size: 0.88rem;
  color: var(--ink-muted);
  margin-bottom: 16px;
}
.industry-jump .industry-jump-link {
  display: inline-block;
  font-size: 0.85rem;
  color: var(--gold);
  font-weight: 700;
  margin-top: 14px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.industry-jump .industry-jump-link:hover { color: var(--gold-light); }

/* ===========================================================================
   Page hero photo slot (optional background image on page-hero)
   When a .page-hero-photo is present, it becomes a darkened backdrop.
   Without it, the hero keeps the existing styled navy gradient.
   =========================================================================== */
.page-hero { position: relative; overflow: hidden; }
.page-hero-photo {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  pointer-events: none;
}
.page-hero-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(9, 24, 45, 0.78) 0%,
    rgba(9, 24, 45, 0.86) 50%,
    rgba(9, 24, 45, 0.92) 100%
  );
}
.page-hero > .container { position: relative; z-index: 1; }
.page-hero.has-hero-photo {
  background: var(--navy-deep);
}

/* Homepage hero — full-bleed photo without form on the right (big and immersive) */
.home-hero {
  position: relative;
  min-height: 620px;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: var(--paper);
  padding: 120px 0 80px;
}
.home-hero-photo {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.home-hero-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    100deg,
    rgba(9, 24, 45, 0.92) 0%,
    rgba(9, 24, 45, 0.78) 45%,
    rgba(9, 24, 45, 0.55) 75%,
    rgba(9, 24, 45, 0.35) 100%
  );
}
.home-hero > .container { position: relative; z-index: 1; }
.home-hero-content {
  max-width: 720px;
}
.home-hero h1 {
  font-family: var(--font-serif);
  color: var(--paper);
  font-size: clamp(2.4rem, 4.8vw, 3.6rem);
  line-height: 1.1;
  margin-bottom: 22px;
}
.home-hero h1 em {
  font-style: normal;
  color: var(--gold);
}
.home-hero .lede {
  font-size: 1.15rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 32px;
  max-width: 60ch;
}
.home-hero-form {
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 28px 28px 22px;
  max-width: 480px;
  box-shadow: var(--shadow-lg);
  color: var(--ink);
}
.home-hero-form h2 {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 4px;
}
.home-hero-form .form-subtext {
  font-size: 0.88rem;
  color: var(--ink-muted);
  margin-bottom: 18px;
}
.home-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 12px;
}
@media (max-width: 880px) {
  .home-hero { padding: 90px 0 60px; min-height: 0; }
  .home-hero-form { max-width: 100%; margin-top: 32px; }
}

/* Trust strip — sits below hero, single line of credentials */
.trust-strip {
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
}
.trust-strip-items {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 28px 40px;
  font-size: 0.85rem;
  color: var(--ink);
  font-weight: 600;
}
.trust-strip-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.trust-strip-item svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
}

/* Home services grid + home industries grid */
.home-services-grid,
.home-industries-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 36px;
}
.home-service-card {
  display: block;
  padding: 28px 24px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
  color: var(--ink);
}
.home-service-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.home-service-card-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-pale);
  color: var(--gold);
  border-radius: 10px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.home-service-card-icon svg { width: 22px; height: 22px; }
.home-service-card h3 {
  font-family: var(--font-serif);
  font-size: 1.22rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.home-service-card p {
  font-size: 0.94rem;
  color: var(--ink-muted);
  line-height: 1.55;
  margin: 0 0 14px;
}
.home-service-card .home-service-card-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
@media (max-width: 1024px) { .home-services-grid, .home-industries-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .home-services-grid, .home-industries-grid { grid-template-columns: 1fr; } }
.coverages-needed {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}
.coverages-needed h3 {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.coverages-needed > p {
  font-size: 0.88rem;
  color: var(--ink-muted);
  margin-bottom: 16px;
}
.coverages-needed ul {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
  display: grid;
  gap: 4px;
}
.coverages-needed li { margin: 0; }
.industry-coverage-row {
  display: block;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: var(--paper);
  border: 1px solid var(--line);
  color: var(--navy);
  transition: border-color 0.12s ease, transform 0.12s ease;
}
.industry-coverage-row:hover {
  border-color: var(--gold);
  transform: translateX(2px);
}
.industry-coverage-name {
  display: block;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy);
  margin-bottom: 2px;
}
.industry-coverage-row:hover .industry-coverage-name {
  color: var(--gold);
}
.industry-coverage-note {
  display: block;
  font-size: 0.8rem;
  color: var(--ink-muted);
  line-height: 1.35;
}

/* ===========================================================================
   Trades-covered grid (contractor page — comprehensive scrollable list)
   =========================================================================== */
.trades-section {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-top: 24px;
}
.trades-section-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 22px;
}
.trades-section-head h3 {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.trades-section-head p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--ink-muted);
  max-width: 60ch;
}
.trades-count-badge {
  background: var(--gold-pale);
  color: var(--navy);
  border: 1px solid var(--gold);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
  flex-shrink: 0;
}
.trades-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px 16px;
  max-height: 420px;
  overflow-y: auto;
  padding: 4px 8px 4px 0;
  /* Scrollbar styling for nicer overflow */
  scrollbar-width: thin;
  scrollbar-color: var(--gold) var(--cream);
}
.trades-grid::-webkit-scrollbar { width: 8px; }
.trades-grid::-webkit-scrollbar-track { background: var(--cream); border-radius: 4px; }
.trades-grid::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 4px; }
.trades-grid::-webkit-scrollbar-thumb:hover { background: var(--gold-light); }

.trade-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 10px 12px;
  font-size: 0.9rem;
  color: var(--ink);
  border-bottom: 1px solid var(--line-soft);
  line-height: 1.3;
}
.trade-item:nth-last-child(-n+3) { border-bottom: none; }
.trade-item-license {
  display: inline-block;
  font-family: 'SF Mono', 'Monaco', 'Consolas', monospace;
  font-size: 0.74rem;
  color: var(--ink-muted);
  background: var(--cream);
  padding: 2px 7px;
  border-radius: 3px;
  flex-shrink: 0;
}

@media (max-width: 1024px) {
  .trades-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .trades-grid { grid-template-columns: 1fr; max-height: 360px; }
  .trades-section { padding: 22px; }
}

/* ===========================================================================
   Additional Industries panel — collapsible grid of all industries
   Appears on every industry page in place of the old photo + linked-list block
   =========================================================================== */
.additional-industries {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.additional-industries summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: var(--paper);
  transition: background 0.15s ease;
}
.additional-industries summary::-webkit-details-marker { display: none; }
.additional-industries summary:hover { background: var(--cream); }
.additional-industries summary h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin: 0 0 4px;
}
.additional-industries summary p {
  margin: 0;
  font-size: 0.88rem;
  color: var(--ink-muted);
}
.additional-industries-toggle {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  flex-shrink: 0;
}
.additional-industries-toggle::after {
  content: '';
  display: inline-block;
  width: 10px;
  height: 10px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.25s ease;
}
.additional-industries[open] .additional-industries-toggle::after {
  transform: rotate(225deg) translateY(2px);
}
.additional-industries[open] .additional-industries-toggle .toggle-show-text { display: none; }
.additional-industries .toggle-hide-text { display: none; }
.additional-industries[open] .toggle-hide-text { display: inline; }

.additional-industries-body {
  padding: 0 28px 28px;
  border-top: 1px solid var(--line);
  padding-top: 24px;
}
.industries-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 24px;
}
.industry-card-small {
  display: block;
  padding: 14px 16px;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 600;
  line-height: 1.3;
  transition: border-color 0.12s ease, transform 0.12s ease, background 0.12s ease;
  text-align: left;
}
.industry-card-small:hover {
  border-color: var(--gold);
  background: var(--paper);
  transform: translateY(-1px);
  color: var(--gold);
}
.industry-card-small.is-current {
  background: var(--gold-pale);
  border-color: var(--gold);
  color: var(--navy);
  pointer-events: none;
  font-weight: 700;
}
.additional-industries-footer {
  text-align: center;
}
@media (max-width: 1024px) {
  .industries-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .industries-grid { grid-template-columns: repeat(2, 1fr); }
  .additional-industries summary { padding: 20px; flex-wrap: wrap; }
  .additional-industries-body { padding: 20px; }
}
@media (max-width: 480px) {
  .industries-grid { grid-template-columns: 1fr; }
}

/* ===========================================================================
   "Why this matters" prose-style sub-sections
   Used inline inside the intro-split column on industry pages.
   =========================================================================== */
.why-subsection {
  display: block;
  margin: 28px 0 0;
}
.why-subsection h3 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--navy);
  margin: 0 0 10px;
  line-height: 1.3;
  position: relative;
  padding-left: 16px;
}
.why-subsection h3::before {
  content: '';
  position: absolute;
  left: 0;
  top: 7px;
  width: 4px;
  height: calc(100% - 12px);
  background: var(--gold);
  border-radius: 2px;
}
.why-subsection p {
  margin: 0 0 10px;
  font-size: 0.96rem;
  line-height: 1.65;
  color: var(--ink);
}
.why-subsection p:last-child {
  margin-bottom: 0;
}
.why-subsection p strong {
  color: var(--navy);
  font-weight: 700;
}
/* The check-flow bullet list at the bottom of the merged intro gets a top border */
.intro-split .check-flow {
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}

/* Custom searchable dropdown */
.industry-picker {
  position: relative;
}
.industry-picker-trigger {
  width: 100%;
  min-height: 48px;
  padding: 12px 44px 12px 16px;
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  font-weight: 500;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  position: relative;
}
.industry-picker-trigger:hover,
.industry-picker-trigger[aria-expanded="true"] {
  border-color: var(--gold);
}
.industry-picker-trigger:focus-visible {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200, 148, 58, 0.22);
}
.industry-picker-trigger::after {
  content: '';
  position: absolute;
  right: 16px;
  top: 50%;
  width: 10px;
  height: 10px;
  border-right: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: translateY(-75%) rotate(45deg);
  transition: transform 0.2s ease;
}
.industry-picker-trigger[aria-expanded="true"]::after {
  transform: translateY(-25%) rotate(225deg);
}
.industry-picker-trigger .industry-picker-placeholder {
  color: var(--ink-muted);
  font-weight: 500;
}

.industry-picker-panel {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  right: 0;
  z-index: 50;
  background: var(--paper);
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  display: none;
  flex-direction: column;
  max-height: 360px;
  overflow: hidden;
}
.industry-picker-panel[data-open="true"] {
  display: flex;
}
.industry-picker-search {
  border: none;
  border-bottom: 1px solid var(--line);
  padding: 12px 16px;
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--paper);
  width: 100%;
  outline: none;
  flex-shrink: 0;
}
.industry-picker-search::placeholder { color: var(--ink-muted); }
.industry-picker-options {
  overflow-y: auto;
  padding: 4px 0;
  flex: 1;
}
.industry-picker-option {
  display: block;
  padding: 10px 16px;
  font-size: 0.92rem;
  color: var(--navy);
  cursor: pointer;
  border: none;
  background: transparent;
  width: 100%;
  text-align: left;
  font-family: inherit;
  transition: background 0.1s ease;
}
.industry-picker-option:hover,
.industry-picker-option.is-active {
  background: var(--gold-pale);
}
.industry-picker-option[hidden] { display: none; }
.industry-picker-option.is-other {
  border-top: 1px solid var(--line);
  margin-top: 4px;
  padding-top: 12px;
  color: var(--gold);
  font-weight: 700;
}
.industry-picker-option.is-other:hover {
  background: var(--gold-pale);
  color: var(--navy);
}
.industry-picker-empty {
  padding: 16px;
  font-size: 0.9rem;
  color: var(--ink-muted);
  text-align: center;
  display: none;
}
.industry-picker-empty.is-visible { display: block; }

/* ===========================================================================
   Compact coverage card grid (smaller than .feature-card — for cross-promo strips)
   =========================================================================== */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 36px;
}
.coverage-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.coverage-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}
.coverage-card h3 {
  font-size: 1rem;
  margin-bottom: 8px;
}
.coverage-card p {
  color: var(--ink-muted);
  font-size: 0.88rem;
  flex: 1;
  margin-bottom: 14px;
}
.coverage-card a {
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.coverage-card a::after { content: ' →'; }
.coverage-card.is-current {
  background: var(--cream);
  border-color: var(--line);
  opacity: 0.6;
  pointer-events: none;
}
.coverage-card.is-current a { display: none; }
@media (max-width: 1024px) { .coverage-grid { grid-template-columns: repeat(2, 1fr); } .intro-split { grid-template-columns: 1fr; } }
@media (max-width: 768px) { .coverage-grid { grid-template-columns: 1fr; } }

/* ===========================================================================
   FAQ-as-grid — cards in 2-3 columns instead of single stack
   =========================================================================== */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 0 auto;
  max-width: 1200px;
}
.faq-grid.faq-grid-2col {
  grid-template-columns: repeat(2, 1fr);
}
.faq-grid details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.faq-grid details[open] {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}
.faq-grid summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  line-height: 1.35;
}
.faq-grid summary::-webkit-details-marker { display: none; }
.faq-grid summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gold);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.faq-grid details[open] summary::after { transform: rotate(45deg); }
.faq-grid details > div {
  padding: 0 18px 18px;
  color: var(--ink-muted);
  font-size: 0.9rem;
  line-height: 1.55;
}
@media (max-width: 1024px) {
  .faq-grid, .faq-grid.faq-grid-2col { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .faq-grid, .faq-grid.faq-grid-2col { grid-template-columns: 1fr; }
}

/* ===========================================================================
   Other Coverages — photo left + linked list right
   =========================================================================== */
.other-coverage {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr);
  gap: 40px;
  align-items: stretch;
}
.other-coverage-photo {
  border-radius: var(--radius);
  overflow: hidden;
  min-height: 360px;
  background: var(--navy);
  position: relative;
}
.other-coverage-photo img,
.other-coverage-photo svg {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.other-coverage-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 36px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.other-coverage-card .eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.other-coverage-card h2 {
  font-size: 1.8rem;
  margin-bottom: 14px;
}
.other-coverage-card > p {
  color: var(--ink-muted);
  font-size: 1rem;
  margin-bottom: 22px;
}
.other-coverage-card ul {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: grid;
  gap: 6px;
}
.other-coverage-card li {
  margin: 0;
}
.other-coverage-card a.coverage-link {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.98rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 4px 0;
  transition: color 0.12s ease;
}
.other-coverage-card a.coverage-link::before {
  content: '»';
  color: var(--gold);
  font-weight: 700;
}
.other-coverage-card a.coverage-link:hover {
  color: var(--gold);
}

@media (max-width: 1024px) {
  .other-coverage { grid-template-columns: 1fr; }
  .other-coverage-photo { min-height: 260px; }
}

/* ===========================================================================
   Bottom CTA section (replaces the duplicate bottom form)
   =========================================================================== */
.bottom-cta-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
  gap: 48px;
  align-items: center;
}
.bottom-cta-actions {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.bottom-cta-actions .btn {
  justify-content: center;
}
@media (max-width: 1024px) {
  .bottom-cta-layout { grid-template-columns: 1fr; gap: 32px; }
}

/* ===========================================================================
   FAQ accordion
   =========================================================================== */
.faq-list {
  display: grid;
  gap: 14px;
  max-width: 800px;
  margin: 0 auto;
}
.faq-list details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.15s ease;
}
.faq-list details[open] { border-color: var(--gold); }
.faq-list summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 22px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--gold);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list details > div, .faq-list details > p {
  padding: 0 22px 22px;
  margin: 0;
  color: var(--ink-muted);
  line-height: 1.6;
}

/* ===========================================================================
   "Also serving" pill row
   =========================================================================== */
.also-serving {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 36px 0;
}
.also-serving-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.also-serving-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-muted);
}
.also-serving-pills {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.serv-pill {
  background: var(--paper);
  border: 1px solid var(--gold);
  color: var(--navy);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
  transition: background 0.12s ease;
}
.serv-pill:hover { background: var(--gold-pale); }
.serv-pill-cta {
  background: var(--navy);
  color: var(--paper);
  border-color: var(--navy);
}
.serv-pill-cta:hover { background: var(--navy-soft); }

/* ===========================================================================
   Footer
   =========================================================================== */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 64px 0 24px;
  border-top: 1px solid var(--line-soft);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand strong { color: var(--paper); }
.footer-brand small { color: rgba(255, 255, 255, 0.6); }
.footer-grid > div h3 {
  color: var(--paper);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-grid > div a {
  display: block;
  padding: 6px 0;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.78);
}
.footer-grid > div a:hover { color: var(--gold); }
.footer-meta {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
  flex-wrap: wrap;
}
.footer-meta a { color: rgba(255, 255, 255, 0.7); }
.footer-meta a:hover { color: var(--gold); }

/* ===========================================================================
   Sticky mobile CTA bar (v40 pattern, preserved)
   =========================================================================== */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  border-top: 1px solid var(--gold);
  padding: 8px 12px;
  z-index: 80;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.18);
  gap: 8px;
}
.mobile-cta-bar a {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 700;
}
.mcb-call { background: rgba(255, 255, 255, 0.12); color: var(--paper); border: 1px solid rgba(255, 255, 255, 0.2); }
.mcb-quote { background: var(--gold); color: var(--navy); }
.mobile-cta-bar svg { width: 16px; height: 16px; }

/* ===========================================================================
   Article (learning-center / privacy-policy long-form text)
   =========================================================================== */
.article-body {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--ink);
}
.article-body h2 { font-size: 1.5rem; margin-top: 2em; }
.article-body h3 { font-size: 1.2rem; margin-top: 1.6em; }
.article-body ul, .article-body ol { padding-left: 1.4em; }
.article-body li { margin-bottom: 0.5em; }
.article-body a { color: var(--gold); border-bottom: 1px solid currentColor; }

/* ===========================================================================
   Responsive — collapses cleanly at the right breakpoints
   =========================================================================== */
@media (max-width: 1024px) {
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .category-grid { grid-template-columns: repeat(2, 1fr); }
  .feature-grid, .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid > div:nth-child(2) { border-right: none; }
  .stats-grid > div:nth-child(1), .stats-grid > div:nth-child(2) { border-bottom: 1px solid var(--line); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .form-layout, .split-grid { grid-template-columns: 1fr; gap: 32px; }
  .cta-inner { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  body { padding-bottom: 72px; } /* clearance for mobile sticky bar */
  .top-strip { display: none; }
  .site-nav { display: none; }
  .site-nav.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 12px;
    gap: 4px;
    box-shadow: var(--shadow);
  }
  .site-nav.is-open .nav-menu, .site-nav.is-open .nav-link { width: 100%; }
  .site-nav.is-open .nav-panel { position: static; box-shadow: none; border: none; padding: 0 0 0 12px; }
  .menu-button { display: inline-flex; }
  .header-actions .btn-ghost, .header-actions .icon-call { display: none; }
  .section { padding: 56px 0; }
  .hero-grid { padding: 48px 0 56px; }
  .page-hero { padding: 40px 0 56px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .category-grid, .feature-grid, .testimonials-grid, .stats-grid { grid-template-columns: 1fr; }
  .stats-grid > div { border-right: none; border-bottom: 1px solid var(--line); }
  .stats-grid > div:last-child { border-bottom: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .mobile-cta-bar { display: flex; }
  .risk-widget { padding: 22px; }
  .risk-body { grid-template-columns: 1fr; gap: 18px; }
  .numbered-list li { padding-left: 56px; }
  .numbered-list li::before { width: 38px; height: 38px; font-size: 1rem; }
  .form-layout { gap: 28px; }
  .cta-actions .btn { width: 100%; }
}

/* ===========================================================================
   HERO IMAGE SLOT SYSTEM
   Every page can have a background hero image. Drop a JPG/PNG into
   /assets/hero/<slug>.jpg and add data-hero="<slug>" to .page-hero.
   The CSS uses the image URL as background-image with a dark navy gradient
   overlay so text stays readable on any photo.
   =========================================================================== */
.page-hero {
  position: relative;
  isolation: isolate;
}
.page-hero[data-hero-image]::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: var(--hero-image, none);
  background-size: cover;
  background-position: center;
  z-index: -2;
  opacity: 0.55;
}
.page-hero[data-hero-image]::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg,
    rgba(9, 24, 45, 0.45) 0%,
    rgba(9, 24, 45, 0.78) 60%,
    rgba(9, 24, 45, 0.92) 100%);
  z-index: -1;
}
.page-hero[data-hero-image] .breadcrumbs a,
.page-hero[data-hero-image] .breadcrumbs span,
.page-hero[data-hero-image] h1,
.page-hero[data-hero-image] .lede {
  color: #ffffff;
}
.page-hero[data-hero-image] h1 em { color: var(--gold); }

/* ===========================================================================
   HOMEPAGE-SPECIFIC HERO STYLES
   Full-bleed hero with city skyline background + centered form layout
   =========================================================================== */
.homepage-hero {
  position: relative;
  isolation: isolate;
  min-height: 640px;
  display: flex;
  align-items: center;
  padding: 80px 0 120px;
  overflow: hidden;
}
.homepage-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: var(--hero-image, linear-gradient(135deg, #1a2c44 0%, #09182d 50%, #16243d 100%));
  background-size: cover;
  background-position: center;
  z-index: -2;
}
.homepage-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg,
    rgba(9, 24, 45, 0.55) 0%,
    rgba(9, 24, 45, 0.72) 50%,
    rgba(9, 24, 45, 0.92) 100%);
  z-index: -1;
}
.homepage-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
}
.homepage-hero-content {
  color: #ffffff;
}
.homepage-hero-content .eyebrow {
  color: var(--gold);
  margin-bottom: 18px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.82rem;
}
.homepage-hero-content h1 {
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  line-height: 1.1;
  color: #ffffff;
  margin-bottom: 22px;
}
.homepage-hero-content h1 em {
  color: var(--gold);
  font-style: normal;
}
.homepage-hero-content .lede {
  font-size: 1.15rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
  max-width: 56ch;
  margin-bottom: 28px;
}
.homepage-trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}
.homepage-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.85);
}
.homepage-trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
}

@media (max-width: 968px) {
  .homepage-hero { padding: 60px 0 80px; min-height: 0; }
  .homepage-hero-grid { grid-template-columns: 1fr; gap: 40px; }
}

/* ===========================================================================
   HOMEPAGE SECTION CARDS — service & industry grids
   =========================================================================== */
.home-section { padding: 80px 0; }
.home-section-soft { background: var(--cream); }
.home-section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 50px;
}
.home-section-head .eyebrow { color: var(--gold); margin-bottom: 14px; }
.home-section-head h2 {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  line-height: 1.2;
  margin-bottom: 14px;
}
.home-section-head p {
  font-size: 1.08rem;
  color: var(--ink-muted);
}

.home-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.home-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
  display: block;
  color: var(--ink);
}
.home-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: var(--shadow);
}
.home-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--gold);
}
.home-card-icon svg { width: 24px; height: 24px; }
.home-card h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  margin-bottom: 8px;
  color: var(--navy);
}
.home-card p {
  font-size: 0.94rem;
  color: var(--ink-muted);
  line-height: 1.55;
  margin: 0;
}
.home-card-arrow {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--gold);
  margin-top: 16px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

@media (max-width: 968px) { .home-cards-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .home-cards-grid { grid-template-columns: 1fr; } .home-section { padding: 60px 0; } }

/* ===========================================================================
   HOMEPAGE — California-only credibility band
   =========================================================================== */
.home-credibility-band {
  background: var(--navy);
  color: #ffffff;
  padding: 60px 0;
  text-align: center;
}
.home-credibility-band h2 {
  font-size: 1.8rem;
  color: #ffffff;
  margin-bottom: 14px;
}
.home-credibility-band p {
  font-size: 1.08rem;
  color: rgba(255, 255, 255, 0.85);
  max-width: 620px;
  margin: 0 auto 28px;
}
.home-credibility-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  max-width: 900px;
  margin: 40px auto 0;
}
.home-credibility-stat {
  text-align: center;
}
.home-credibility-stat .stat-number {
  font-family: var(--font-serif);
  font-size: 2.4rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
  display: block;
}
.home-credibility-stat .stat-label {
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.75);
  letter-spacing: 0.05em;
}
@media (max-width: 768px) {
  .home-credibility-stats { grid-template-columns: repeat(2, 1fr); }
}

/* ===========================================================================
   COVERAGE GROUPS — business-insurance overview page
   Four logical groupings of the 19 coverages, each as a 3-col card grid.
   =========================================================================== */
.coverage-group {
  margin-bottom: 60px;
}
.coverage-group:last-child { margin-bottom: 0; }
.coverage-group-head {
  margin-bottom: 28px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
}
.coverage-group-head .eyebrow {
  color: var(--gold);
  margin-bottom: 8px;
}
.coverage-group-head h2 {
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.coverage-group-head p {
  margin: 0;
  font-size: 0.96rem;
  color: var(--ink-muted);
  max-width: 64ch;
}
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.coverage-grid-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  color: var(--ink);
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.coverage-grid-card:not(.coverage-grid-card-static):hover {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: var(--shadow);
}
.coverage-grid-card h3 {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  color: var(--navy);
  margin: 0 0 8px;
  line-height: 1.3;
}
.coverage-grid-card p {
  margin: 0 0 14px;
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--ink-muted);
  flex-grow: 1;
}
.coverage-grid-link {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.coverage-grid-card-static {
  background: rgba(247, 244, 236, 0.5);
  border-style: dashed;
}
@media (max-width: 968px) {
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .coverage-grid { grid-template-columns: 1fr; }
  .coverage-group { margin-bottom: 44px; }
}

/* ===========================================================================
   TWO-CARD CROSS-PROMO PATTERN
   Used on the payroll page to direct visitors to either HR or Insurance.
   Cleaner than the photo + linked-list pattern for service-only pages.
   =========================================================================== */
.two-card-promo {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}
.two-card-promo-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
  color: var(--ink);
}
.two-card-promo-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold);
  box-shadow: var(--shadow);
}
.two-card-promo-card .eyebrow {
  color: var(--gold);
  margin-bottom: 12px;
}
.two-card-promo-card h2 {
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.2;
}
.two-card-promo-card p {
  color: var(--ink-muted);
  margin-bottom: 22px;
  flex-grow: 1;
  line-height: 1.6;
}
.two-card-promo-card .btn {
  align-self: flex-start;
}
.two-card-promo-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  color: var(--gold);
}
.two-card-promo-icon svg { width: 30px; height: 30px; }
@media (max-width: 768px) {
  .two-card-promo { grid-template-columns: 1fr; gap: 18px; }
}

/* ===========================================================================
   CONTACT PAGE — Google Map + Why Us section
   =========================================================================== */
.contact-map-section {
  padding: 80px 0;
}
.contact-map-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 36px;
  align-items: stretch;
}
.contact-map-info {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.contact-map-info .eyebrow { color: var(--gold); margin-bottom: 10px; }
.contact-map-info h2 {
  font-size: 1.8rem;
  color: var(--navy);
  margin-bottom: 14px;
}
.contact-map-info .address-block {
  margin: 20px 0;
  padding: 20px;
  background: var(--cream);
  border-radius: var(--radius);
  border-left: 4px solid var(--gold);
}
.contact-map-info .address-block strong {
  display: block;
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: 6px;
}
.contact-map-info .address-block span {
  display: block;
  color: var(--ink-muted);
  font-size: 0.94rem;
  line-height: 1.55;
}
.contact-map-info .hours-list {
  margin-top: 8px;
  list-style: none;
  padding: 0;
}
.contact-map-info .hours-list li {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  font-size: 0.94rem;
  border-bottom: 1px solid var(--line-soft);
}
.contact-map-info .hours-list li:last-child { border: none; }
.contact-map-info .hours-list .day { color: var(--navy); font-weight: 600; }
.contact-map-info .hours-list .time { color: var(--ink-muted); }
.contact-map-embed {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  min-height: 420px;
}
.contact-map-embed iframe {
  width: 100%;
  height: 100%;
  min-height: 420px;
  border: 0;
  display: block;
}
@media (max-width: 968px) {
  .contact-map-grid { grid-template-columns: 1fr; }
  .contact-map-embed { min-height: 320px; }
  .contact-map-embed iframe { min-height: 320px; }
}

/* WHY US section */
.why-us-section { padding: 80px 0; }
.why-us-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.why-us-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.why-us-card .why-us-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--gold);
}
.why-us-card .why-us-icon svg { width: 26px; height: 26px; }
.why-us-card h3 {
  font-family: var(--font-serif);
  font-size: 1.18rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.why-us-card p {
  font-size: 0.94rem;
  color: var(--ink-muted);
  line-height: 1.6;
  margin: 0;
}
@media (max-width: 968px) {
  .why-us-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .why-us-grid { grid-template-columns: 1fr; }
  .contact-map-section, .why-us-section { padding: 60px 0; }
}

/* ===========================================================================
   INDUSTRY GROUPS — industries hub page
   Five logical groupings of the 25 industries, each as a card grid.
   =========================================================================== */
.industry-group {
  margin-bottom: 60px;
}
.industry-group:last-child { margin-bottom: 0; }
.industry-group-head {
  margin-bottom: 28px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
}
.industry-group-head .eyebrow {
  color: var(--gold);
  margin-bottom: 8px;
}
.industry-group-head h2 {
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.industry-group-head p {
  margin: 0;
  font-size: 0.96rem;
  color: var(--ink-muted);
  max-width: 64ch;
}
.industry-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.industry-grid-card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  color: var(--ink);
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.industry-grid-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: var(--shadow);
}
.industry-grid-card h3 {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  color: var(--navy);
  margin: 0 0 8px;
  line-height: 1.3;
}
.industry-grid-card p {
  margin: 0 0 14px;
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--ink-muted);
  flex-grow: 1;
}
.industry-grid-link {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
@media (max-width: 968px) {
  .industry-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .industry-grid { grid-template-columns: 1fr; }
  .industry-group { margin-bottom: 44px; }
}

/* ===========================================================================
   NAV PANEL — expanded variants for 20+ items
   When a panel has many entries (Insurance has 20, Industries has 25),
   make it scrollable and slightly wider with a custom-styled scrollbar.
   =========================================================================== */
.nav-panel.nav-panel-large {
  min-width: 320px;
  max-height: 70vh;
  overflow-y: auto;
  padding: 6px;
  scrollbar-width: thin;
  scrollbar-color: var(--gold) var(--cream);
}
.nav-panel.nav-panel-large::-webkit-scrollbar { width: 8px; }
.nav-panel.nav-panel-large::-webkit-scrollbar-track { background: var(--cream); border-radius: 4px; }
.nav-panel.nav-panel-large::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 4px; }
.nav-panel.nav-panel-large::-webkit-scrollbar-thumb:hover { background: var(--gold-light); }
.nav-panel.nav-panel-large a {
  padding: 8px 12px;
  font-size: 0.88rem;
  line-height: 1.35;
}
.nav-panel.nav-panel-large a.nav-panel-header {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold);
  font-weight: 700;
  padding-top: 12px;
  pointer-events: none;
}
.nav-panel.nav-panel-large a.nav-panel-header:first-child { padding-top: 6px; }
.nav-panel.nav-panel-large a.nav-panel-header:hover { background: transparent; }
.nav-panel.nav-panel-large a.nav-panel-divider {
  border-top: 1px solid var(--line);
  margin-top: 4px;
  padding-top: 10px;
  font-weight: 700;
}

/* ===========================================================================
   COVERAGE CATEGORY PILLS
   Used on coverage-grid-card to identify which group a coverage belongs to
   without breaking the single-grid flow.
   =========================================================================== */
.coverage-pill {
  display: inline-block;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 9px;
  border-radius: 999px;
  border: 1px solid;
  align-self: flex-start;
  margin-bottom: 12px;
  line-height: 1;
}
.pill-foundation { color: #1a5e3a; background: rgba(34, 139, 84, 0.10); border-color: rgba(34, 139, 84, 0.35); }
.pill-specialty  { color: #8b5a00; background: rgba(200, 148, 58, 0.12); border-color: rgba(200, 148, 58, 0.40); }
.pill-property   { color: #1f4480; background: rgba(46, 95, 178, 0.10); border-color: rgba(46, 95, 178, 0.35); }
.pill-operations { color: #7d2d54; background: rgba(155, 65, 110, 0.10); border-color: rgba(155, 65, 110, 0.35); }

.coverage-legend {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 22px;
}

/* Single flat 4-col grid for the 20 coverages (vs the 3-col grouped version) */
.coverage-grid-flat {
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
@media (max-width: 1100px) {
  .coverage-grid-flat { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .coverage-grid-flat { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .coverage-grid-flat { grid-template-columns: 1fr; }
}

/* ===========================================================================
   INDUSTRY CATEGORY PILLS — for the industries hub page
   Five distinct categories, color-coded like the coverage pills.
   =========================================================================== */
.pill-construction { color: #5a3a1a; background: rgba(166, 109, 50, 0.12); border-color: rgba(166, 109, 50, 0.40); }
.pill-food         { color: #7a2f3a; background: rgba(178, 56, 70, 0.10); border-color: rgba(178, 56, 70, 0.35); }
.pill-transport    { color: #1f4480; background: rgba(46, 95, 178, 0.10); border-color: rgba(46, 95, 178, 0.35); }
.pill-professional { color: #1a5e3a; background: rgba(34, 139, 84, 0.10); border-color: rgba(34, 139, 84, 0.35); }
.pill-other        { color: #4a3a6a; background: rgba(94, 75, 134, 0.10); border-color: rgba(94, 75, 134, 0.35); }

/* Flat 4-col grid for the 25 industries (vs the 3-col grouped version) */
.industry-grid-flat {
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
@media (max-width: 1100px) {
  .industry-grid-flat { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .industry-grid-flat { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .industry-grid-flat { grid-template-columns: 1fr; }
}

/* ===========================================================================
   PROCESS FLOW — "How It Works" pattern
   Replaces the generic 3-card layout with a directional process flow:
   - Big gold serif numerals on the left of each step
   - Arrow chevrons between steps to visualize direction
   - No card borders — feels less corporate, more friendly
   On mobile, flips vertical with arrows pointing down between steps.
   =========================================================================== */
.process-flow {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 18px;
  max-width: 1200px;
  margin: 0 auto;
}
.process-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 16px;
  align-items: start;
  padding: 18px 6px;
}
.process-step-numeral {
  font-family: var(--font-serif);
  font-size: 5.2rem;
  font-weight: 700;
  line-height: 1;
  padding-bottom: 0.15em;
  color: var(--gold);
  letter-spacing: -0.04em;
  background: linear-gradient(135deg, var(--gold) 0%, #a3742a 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.process-step-body h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin: 6px 0 8px;
  line-height: 1.2;
}
.process-step-body p {
  margin: 0;
  font-size: 0.94rem;
  color: var(--ink-muted);
  line-height: 1.55;
}
.process-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 50px;
  color: var(--gold);
  opacity: 0.7;
}
.process-arrow svg {
  width: 100%;
  height: auto;
}

/* Mobile / smaller screens — flip to vertical with down arrows */
@media (max-width: 968px) {
  .process-flow {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .process-step {
    padding: 14px 0;
  }
  .process-step-numeral {
    font-size: 4rem;
  }
  .process-arrow {
    width: 100%;
    height: 36px;
    justify-content: center;
    margin: 0;
  }
  .process-arrow svg {
    width: 36px;
    transform: rotate(90deg);
  }
}
@media (max-width: 540px) {
  .process-step {
    grid-template-columns: auto 1fr;
    gap: 14px;
  }
  .process-step-numeral {
    font-size: 3.4rem;
  }
}

/* ===========================================================================
   CONTACT PAGE — clean 2-column layout (rebuild)
   Replaces the old form-layout + duplicate address block pattern with
   a single tidy contact info column next to a condensed form.
   =========================================================================== */
.contact-main { padding: 60px 0 80px; }
.contact-main-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 48px;
  align-items: start;
}
.contact-main-info h2 {
  font-size: 1.8rem;
  color: var(--navy);
  margin: 0 0 8px;
}

.contact-info-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  transition: color 0.15s ease;
}
.contact-info-row:last-of-type { border-bottom: 0; }
a.contact-info-row:hover { color: var(--gold); }
a.contact-info-row:hover .contact-info-icon { background: var(--gold); color: #fff; }

.contact-info-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  transition: background 0.15s ease, color 0.15s ease;
}
.contact-info-icon svg { width: 20px; height: 20px; }

.contact-info-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  line-height: 1.4;
}
.contact-info-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-muted);
}
.contact-info-text strong {
  font-size: 1.04rem;
  color: var(--navy);
  font-weight: 600;
}
a.contact-info-row:hover .contact-info-text strong { color: var(--gold); }

.contact-bilingual {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 24px;
  padding: 16px;
  background: var(--cream);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius-sm);
}
.contact-bilingual strong {
  display: block;
  color: var(--navy);
  font-size: 1.04rem;
  margin-bottom: 2px;
}
.contact-bilingual span {
  font-size: 0.92rem;
  color: var(--ink-muted);
}

/* Map section — 2-column side-by-side (text + map) */
.contact-map-only { padding: 60px 0; }
.contact-map-split {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 40px;
  align-items: center;
}
.contact-map-split-text .eyebrow {
  color: var(--gold);
  margin-bottom: 10px;
}
.contact-map-split-text h2 {
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.15;
}
.contact-map-split-text p {
  margin: 0 0 20px;
  max-width: 46ch;
}
.contact-map-embed-only {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  height: 420px;
}
.contact-map-embed-only iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}

/* Textarea styling */
.field textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--paper);
  color: var(--ink);
  resize: vertical;
  transition: border-color 0.15s ease;
}
.field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200, 148, 58, 0.15);
}

@media (max-width: 968px) {
  .contact-main-grid { grid-template-columns: 1fr; gap: 36px; }
  .contact-map-split { grid-template-columns: 1fr; gap: 28px; }
  .contact-map-embed-only { height: 340px; }
}
@media (max-width: 540px) {
  .contact-map-embed-only { height: 280px; }
}

/* ===========================================================================
   CTA BAND — PROCESS FLOW VARIANT (sitewide closing section)
   Replaces the old "Ready when you are" CTA. Reuses the process-flow component
   but adapted for the navy cta-band background.
   =========================================================================== */
.cta-band-process { padding: 70px 0 80px; }
.cta-band-process-head {
  text-align: center;
  margin-bottom: 50px;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}
.cta-band-process-head .eyebrow {
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}
.cta-band-process-head h2 {
  color: #ffffff;
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  line-height: 1.25;
  margin: 0;
}

/* Dark-background variant of process-flow: white titles, muted descriptions */
.process-flow-dark .process-step-body h3 { color: #ffffff; }
.process-flow-dark .process-step-body p { color: rgba(255, 255, 255, 0.74); }
.process-flow-dark .process-arrow { opacity: 0.45; }
.process-flow-dark .process-step-numeral {
  background: linear-gradient(135deg, var(--gold) 0%, #e6b769 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ===========================================================================
   CTA BAND PROCESS — LIGHT VARIANT (used on contact page)
   Cream background, navy text, gold accents. Much more readable than the
   dark navy variant on a page that's already information-heavy.
   =========================================================================== */
.cta-band-process-light {
  background: var(--cream);
  padding: 70px 0 80px;
  position: relative;
}
.cta-band-process-light .cta-band-process-head {
  text-align: center;
  margin-bottom: 50px;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}
.cta-band-process-light .cta-band-process-head .eyebrow {
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}
.cta-band-process-light .cta-band-process-head h2 {
  color: var(--navy);
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  line-height: 1.25;
  margin: 0;
}
/* Inherits .process-flow styling — titles in navy, descriptions in muted ink,
   gold gradient numerals. Already readable on light backgrounds. */

/* ===========================================================================
   FOOTER — MINIMAL 2-ROW (sitewide redesign)
   Top row: logo on left, horizontal nav on right
   Bottom row: copyright on left, address + license on right
   Phone & email intentionally NOT in footer — they live in the top strip
   so we're not repeating contact info three times per page.
   =========================================================================== */
.site-footer-minimal {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 36px 0 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  flex-wrap: wrap;
}

.footer-brand-minimal {
  display: flex;
  align-items: center;
  gap: 14px;
  color: #ffffff;
  text-decoration: none;
  transition: opacity 0.15s ease;
}
.footer-brand-minimal:hover { opacity: 0.85; }
.footer-brand-mark {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.footer-brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}
.footer-brand-text {
  font-family: var(--font-serif);
  font-size: 1.18rem;
  font-weight: 700;
  color: #ffffff;
  letter-spacing: -0.005em;
}

.footer-nav {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  align-items: center;
}
.footer-nav a {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.15s ease;
  white-space: nowrap;
}
.footer-nav a:hover {
  color: var(--gold);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 22px;
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.58);
  flex-wrap: wrap;
}
.footer-meta-address {
  font-size: 0.82rem;
}

@media (max-width: 768px) {
  .site-footer-minimal { padding: 30px 0 24px; }
  .footer-top {
    flex-direction: column;
    align-items: flex-start;
    gap: 22px;
  }
  .footer-nav {
    gap: 16px 22px;
  }
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
}

/* Footer counties-served strip */
.footer-counties {
  padding: 20px 0 4px;
  font-size: 0.82rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.5);
}
.footer-counties strong { color: rgba(255, 255, 255, 0.72); font-weight: 600; }

/* Contact page EN/ES language toggle */
.lang-toggle-wrap { display: flex; justify-content: flex-end; align-items: center; gap: 10px; margin-bottom: 6px; }
.lang-toggle-label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; color: var(--ink-muted); transition: color 0.2s ease; }
.lang-switch { position: relative; display: inline-block; width: 46px; height: 26px; cursor: pointer; flex: 0 0 auto; }
.lang-switch input { position: absolute; opacity: 0; width: 0; height: 0; }
.lang-switch-track { position: absolute; inset: 0; background: var(--line); border-radius: 999px; transition: background 0.2s ease; }
.lang-switch-thumb { position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; background: #fff; border-radius: 50%; box-shadow: 0 1px 3px rgba(0,0,0,0.25); transition: transform 0.2s ease; }
.lang-switch input:checked + .lang-switch-track { background: var(--gold); }
.lang-switch input:checked + .lang-switch-track .lang-switch-thumb { transform: translateX(20px); }
[data-contact-lang="en"] .lang-toggle-label[data-lang="en"] { color: var(--navy); }
[data-contact-lang="es"] .lang-toggle-label[data-lang="es"] { color: var(--navy); }

/* Accessibility: consistent keyboard focus ring (P2 hardening) */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible,
.lang-switch:focus-within .lang-switch-track {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
  border-radius: 4px;
}


/* overview hero scrim override — lighter, directional, so the photo stays visible */
.page-hero.has-hero-photo .page-hero-photo::after{
  background:linear-gradient(100deg,
    rgba(9,24,45,.94) 0%, rgba(9,24,45,.85) 36%,
    rgba(9,24,45,.58) 66%, rgba(9,24,45,.40) 100%);
}


/* Contact page language bar — prominent, relocated out of the hero */
.contact-lang-bar{ display:flex; align-items:center; justify-content:center; gap:16px;
  flex-wrap:wrap; background:var(--green-pale); border:1px solid var(--gold);
  border-radius:12px; padding:14px 20px; margin:0 0 30px; }
.contact-lang-bar-label{ font-weight:700; color:var(--navy); font-size:1.05rem; }
.contact-lang-bar .lang-toggle-wrap{ margin-bottom:0; }
.contact-lang-bar .lang-toggle-label{ font-size:.95rem; }
.contact-lang-bar .lang-switch{ width:52px; height:30px; }
.contact-lang-bar .lang-switch-thumb{ width:24px; height:24px; }
.contact-lang-bar .lang-switch input:checked + .lang-switch-track .lang-switch-thumb{ transform:translateX(22px); }
.contact-lang-bar .lang-switch-track{ background:#cfd6dd; }


/* Service Areas page */
.area-region{ padding:18px 0; border-top:1px solid var(--line); }
.area-region:first-of-type{ border-top:0; padding-top:6px; }
.area-region h3{ color:var(--navy); margin-bottom:4px; }
.area-region .area-meta{ font-size:.85rem; margin:0 0 8px; }
.area-region .area-cities{ color:var(--ink-muted); line-height:1.9; }


/* Form error message + bot-protection bits */
.form-error{ background:#fdecec; border:1px solid #e3b7b7; color:#8a1f1f; padding:10px 12px; border-radius:8px; margin:0 0 12px; font-size:.9rem; line-height:1.4; }
.cf-turnstile{ margin:0 0 14px; }
/* ===========================================================================
   MOBILE/TABLET HERO READABILITY
   At <=768px the layout is single-column and hero text is full-width, so the
   desktop directional (left-dark) photo scrim can leave a heading over a bright
   area. Below 768px, swap in an even, strong vertical scrim. Placed last so it
   wins the cascade over the desktop directional override above.
   =========================================================================== */
@media (max-width: 768px) {
  .page-hero.has-hero-photo .page-hero-photo::after {
    background: linear-gradient(180deg,
      rgba(9, 24, 45, 0.80) 0%,
      rgba(9, 24, 45, 0.88) 55%,
      rgba(9, 24, 45, 0.94) 100%);
  }
}