/* ==========================================================================
   Prominent Insurance Services — Modern Stylesheet
   Color Tokens, Responsive Mobile-First Architecture, WCAG AA/AAA Compliant
   ========================================================================== */

/* --- CSS Variables & Design Tokens --- */
:root {
  /* Brand Colors */
  --color-primary: #1B2F5E;       /* Deep Trust Navy - 10.5:1 on white (WCAG AAA) */
  --color-primary-dark: #0E1A38;  /* Midnight Navy */
  --color-primary-light: #2A4685; /* Accessible Royal Navy */
  --color-primary-soft: #EEF2F9;  /* Soft Ice Blue Tint */
  
  --color-accent: #C8102E;        /* Prominent Crimson - 5.9:1 on white (WCAG AA) */
  --color-accent-hover: #A50D24;  /* Deep Crimson */
  --color-accent-soft: #FFF1F3;   /* Soft Rose Tint */
  
  --color-gold: #B45309;          /* Amber Gold - 5.1:1 on white */
  --color-gold-soft: #FEF3C7;     /* Light Gold Tint */
  --color-green: #15803D;         /* Success Forest Green */
  --color-green-soft: #DCFCE7;
  
  /* Neutral Slate Colors */
  --color-bg: #FFFFFF;
  --color-bg-subtle: #F8FAFC;
  --color-bg-muted: #F1F5F9;
  --color-text: #0F172A;          /* Deep Slate - 15.8:1 on white */
  --color-text-muted: #475569;    /* Muted Slate - 5.4:1 on white */
  --color-text-light: #64748B;    /* Secondary Slate */
  --color-border: #E2E8F0;        /* Card & Section Borders */
  --color-border-hover: #CBD5E1;
  
  /* Typography */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  
  /* Radii & Shadows */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  
  --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.03);
  --shadow-xl: 0 20px 25px -5px rgba(15, 23, 42, 0.1), 0 8px 10px -6px rgba(15, 23, 42, 0.04);
  
  /* Layout & Transitions */
  --max-width: 1240px;
  --header-height: 80px;
  --transition-fast: 0.18s ease;
  --transition-base: 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

/* --- Global Reset & Box Sizing --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

/* Header sticky requirement: Never put overflow hidden or auto on body or html */
body {
  font-family: var(--font-sans);
  color: var(--color-text);
  background-color: var(--color-bg);
  line-height: 1.6;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* Prevent horizontal overflow strictly across all elements */
body, header, main, section, footer, div, p, h1, h2, h3, h4, ul, ol, figure {
  overflow-wrap: break-word;
  word-break: break-word;
}

img, svg, picture, video {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

button, input, select, textarea {
  font: inherit;
  color: inherit;
}

button {
  background: none;
  border: none;
  cursor: pointer;
}

ul, ol {
  list-style: none;
}

/* Accessible Skip Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: 1rem;
  background: var(--color-primary);
  color: #ffffff;
  padding: 0.75rem 1.25rem;
  z-index: 9999;
  font-weight: 700;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 1rem;
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

/* Focus Visible Styling */
:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 2px;
}

/* --- Container Utility --- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin-inline: auto;
  padding-inline: 1.25rem;
}

@media (min-width: 768px) {
  .container {
    padding-inline: 2rem;
  }
}

/* ==========================================================================
   Header & Sticky Navigation (Direct child of <body>)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #ffffff;
  box-shadow: 0 2px 10px rgba(15, 23, 42, 0.07);
  width: 100%;
}

/* Top Announcement / Multi-State Bar */
.top-bar {
  background: var(--color-primary-dark);
  color: #E2E8F0;
  font-size: 0.8125rem;
  padding-block: 0.45rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem 1rem;
}

.top-bar-badges {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 500;
}

.top-bar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: rgba(255, 255, 255, 0.12);
  padding: 0.15rem 0.5rem;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 600;
  color: #ffffff;
}

.top-bar-contact {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-weight: 500;
}

.top-bar-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: #E2E8F0;
  transition: color var(--transition-fast);
}

.top-bar-link:hover {
  color: #ffffff;
  text-decoration: underline;
}

.top-bar-portal {
  background: rgba(200, 16, 46, 0.25);
  color: #ffffff;
  border: 1px solid rgba(200, 16, 46, 0.4);
  padding: 0.2rem 0.65rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
}

.top-bar-portal:hover {
  background: var(--color-accent);
  color: #ffffff;
}

/* Main Navigation Bar */
.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 4.5rem;
  gap: 1rem;
}

/* Brand Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
  min-width: 0;
}

.brand-logo-img {
  width: 44px;
  height: 44px;
  object-fit: contain;
  border-radius: var(--radius-sm);
  flex-shrink: 0;
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--color-primary);
  line-height: 1.2;
}

.brand-sub {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-accent);
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.brand-sub span {
  color: var(--color-text-muted);
}

/* Desktop Navigation Menu */
.desktop-nav {
  display: none;
  align-items: center;
  gap: 0.25rem;
}

@media (min-width: 1024px) {
  .desktop-nav {
    display: flex;
  }
}

.nav-item {
  position: relative;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.65rem 0.85rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  min-height: 48px;
}

.nav-link:hover,
.nav-link.active,
.nav-item:hover > .nav-link {
  color: var(--color-primary);
  background-color: var(--color-bg-subtle);
}

.nav-link.active {
  color: var(--color-primary);
  font-weight: 700;
  box-shadow: inset 0 -2px 0 var(--color-primary);
}

.nav-arrow {
  width: 14px;
  height: 14px;
  transition: transform var(--transition-fast);
}

.nav-item:hover .nav-arrow {
  transform: rotate(180deg);
}

/* Dropdown Menu (Desktop) */
.dropdown-menu {
  position: absolute;
  top: 100%;
  inset-inline-start: 0;
  min-width: 260px;
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition-fast);
  z-index: 1010;
}

.nav-item:hover .dropdown-menu,
.nav-item:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-link {
  display: flex;
  flex-direction: column;
  padding: 0.6rem 0.85rem;
  border-radius: var(--radius-md);
  transition: background var(--transition-fast);
  min-height: 44px;
}

.dropdown-link:hover {
  background: var(--color-bg-subtle);
}

.dropdown-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
}

.dropdown-desc {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  line-height: 1.3;
  margin-top: 0.15rem;
}

/* Header CTAs */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.btn-header-call {
  display: none;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-primary);
  padding: 0.55rem 0.9rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
  min-height: 48px;
}

@media (min-width: 640px) {
  .btn-header-call {
    display: inline-flex;
  }
}

.btn-header-call:hover {
  border-color: var(--color-primary);
  background-color: var(--color-primary-soft);
}

.btn-header-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: var(--color-accent);
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.65rem 1.15rem;
  border-radius: var(--radius-full);
  box-shadow: 0 2px 6px rgba(200, 16, 46, 0.3);
  transition: all var(--transition-fast);
  min-height: 48px;
  white-space: nowrap;
}

.btn-header-cta:hover {
  background-color: var(--color-accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(200, 16, 46, 0.4);
}

/* Mobile Hamburger Button (>=48px touch target) */
.mobile-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 48px;
  height: 48px;
  padding: 10px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  background: var(--color-bg-subtle);
  color: var(--color-primary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

@media (min-width: 1024px) {
  .mobile-toggle {
    display: none;
  }
}

.mobile-toggle:hover {
  background: var(--color-bg-muted);
}

.mobile-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background-color: currentColor;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.mobile-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.mobile-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Navigation Drawer */
.mobile-nav-drawer {
  display: none;
  position: fixed;
  top: 0;
  inset-inline-start: 0;
  width: 100%;
  height: 100vh;
  z-index: 1050;
}

.mobile-nav-drawer.is-active {
  display: block;
}

.mobile-nav-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
}

.mobile-nav-panel {
  position: absolute;
  top: 0;
  inset-inline-start: 0;
  width: min(85vw, 380px);
  height: 100%;
  background: #ffffff;
  box-shadow: var(--shadow-xl);
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  padding: 1.5rem;
  animation: slideDrawer 0.25s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

@keyframes slideDrawer {
  from {
    transform: translateX(-100%);
  }
  to {
    transform: translateX(0);
  }
}

.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--color-border);
}

.mobile-close-btn {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  background: var(--color-bg-subtle);
  font-size: 1.25rem;
  color: var(--color-text);
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  padding-block: 1rem;
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 0.5rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text);
  border-radius: var(--radius-md);
  min-height: 48px;
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  color: var(--color-primary);
  background: var(--color-bg-subtle);
}

.mobile-nav-sublist {
  padding-inline-start: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  border-inline-start: 2px solid var(--color-border);
  margin-block: 0.25rem 0.75rem;
}

.mobile-nav-sublink {
  display: block;
  padding: 0.5rem 0.75rem;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  border-radius: var(--radius-sm);
  min-height: 44px;
}

.mobile-nav-sublink:hover {
  color: var(--color-primary);
  background: var(--color-bg-subtle);
}

.mobile-nav-footer {
  margin-top: auto;
  padding-top: 1.25rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

/* ==========================================================================
   Typography & Shared Components
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-primary);
  line-height: 1.25;
  font-weight: 800;
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2.1rem, 4vw + 1rem, 3.25rem);
}

h2 {
  font-size: clamp(1.75rem, 3vw + 0.5rem, 2.35rem);
}

h3 {
  font-size: clamp(1.25rem, 2vw + 0.25rem, 1.5rem);
}

h4 {
  font-size: 1.15rem;
}

p {
  color: var(--color-text-muted);
  font-size: 1rem;
  line-height: 1.7;
}

.lead-text {
  font-size: clamp(1.05rem, 1.5vw + 0.5rem, 1.25rem);
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* Section Header Utility */
.section-header {
  text-align: center;
  max-width: 760px;
  margin-inline: auto;
  margin-bottom: 3rem;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  background: var(--color-accent-soft);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.85rem;
}

.section-tag.blue {
  color: var(--color-primary);
  background: var(--color-primary-soft);
}

.section-title {
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--color-text-muted);
}

/* Button System (touch-target >= 48px) */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem 1.6rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  transition: all var(--transition-base);
  min-height: 48px;
  min-width: 48px;
  cursor: pointer;
  text-align: center;
}

.btn-primary {
  background: var(--color-accent);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(200, 16, 46, 0.3);
}

.btn-primary:hover {
  background: var(--color-accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(200, 16, 46, 0.4);
  color: #ffffff;
}

.btn-secondary {
  background: var(--color-primary);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(27, 47, 94, 0.25);
}

.btn-secondary:hover {
  background: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(27, 47, 94, 0.35);
  color: #ffffff;
}

.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 2px solid var(--color-primary);
}

.btn-outline:hover {
  background: var(--color-primary);
  color: #ffffff;
}

.btn-white {
  background: #ffffff;
  color: var(--color-primary);
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  background: var(--color-bg-subtle);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  align-items: center;
}

/* Badges & Pills */
.pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.pill-mbe {
  background: #FEF3C7;
  color: #92400E;
  border: 1px solid #FDE68A;
}

.pill-cic {
  background: #E0E7FF;
  color: #3730A3;
  border: 1px solid #C7D2FE;
}

.pill-state {
  background: #DCFCE7;
  color: #166534;
  border: 1px solid #BBF7D0;
}

/* Card System */
.card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-border-hover);
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

.card-icon.blue {
  background: var(--color-primary-soft);
  color: var(--color-primary);
}

.card-icon.red {
  background: var(--color-accent-soft);
  color: var(--color-accent);
}

.card-icon.gold {
  background: var(--color-gold-soft);
  color: var(--color-gold);
}

.card-icon.green {
  background: var(--color-green-soft);
  color: var(--color-green);
}

.card-title {
  margin-bottom: 0.5rem;
  font-size: 1.25rem;
}

.card-text {
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
}

.card-link {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-primary);
  min-height: 44px;
}

.card-link:hover {
  color: var(--color-accent);
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, #0F1D3B 0%, #1B2F5E 55%, #25407A 100%);
  color: #ffffff;
  padding-block: 4rem 4.5rem;
  overflow: clip;
}

.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(200, 16, 46, 0.15), transparent 45%),
              radial-gradient(circle at 20% 80%, rgba(255, 255, 255, 0.05), transparent 40%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

@media (min-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 3.5rem;
  }
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.hero-credentials-tag {
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem;
}

.hero-badge-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-full);
  font-size: 0.785rem;
  font-weight: 700;
  color: #ffffff;
  backdrop-filter: blur(8px);
}

.hero-badge-item.highlight {
  background: rgba(200, 16, 46, 0.9);
  border-color: rgba(200, 16, 46, 1);
}

.hero-title {
  color: #ffffff;
  font-size: clamp(2.2rem, 4.5vw + 0.5rem, 3.5rem);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.03em;
}

.hero-title span {
  color: #60A5FA; /* Accessible light sky blue on dark navy */
}

.hero-lead {
  color: #E2E8F0;
  font-size: 1.125rem;
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.5rem;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

@media (min-width: 640px) {
  .hero-stats {
    grid-template-columns: repeat(4, 1fr);
  }
}

.stat-item {
  display: flex;
  flex-direction: column;
}

.stat-value {
  font-size: 1.85rem;
  font-weight: 900;
  color: #ffffff;
  line-height: 1.1;
}

.stat-label {
  font-size: 0.8125rem;
  color: #CBD5E1;
  font-weight: 500;
  margin-top: 0.25rem;
}

/* Hero Diagnostic Card */
.hero-card {
  background: rgba(255, 255, 255, 0.98);
  border-radius: var(--radius-xl);
  padding: 2rem;
  color: var(--color-text);
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.8);
}

.hero-card-header {
  margin-bottom: 1.25rem;
}

.hero-card-tag {
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
}

.hero-card-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-top: 0.25rem;
}

.hero-card-list {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 1.5rem;
}

.hero-card-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9375rem;
  color: var(--color-text);
}

.hero-card-item-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-green-soft);
  color: var(--color-green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.hero-advisor-box {
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 1.25rem;
}

.advisor-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.advisor-info {
  display: flex;
  flex-direction: column;
}

.advisor-name {
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--color-primary);
}

.advisor-titles {
  font-size: 0.785rem;
  color: var(--color-text-muted);
  font-weight: 600;
}

/* ==========================================================================
   Trust & Credentials Banner
   ========================================================================== */
.trust-banner {
  background: #ffffff;
  border-bottom: 1px solid var(--color-border);
  padding-block: 1.75rem;
}

.trust-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.25rem;
}

@media (min-width: 900px) {
  .trust-inner {
    flex-direction: row;
    justify-content: space-between;
  }
}

.trust-label {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-muted);
  white-space: nowrap;
}

.trust-badges-grid {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 1rem 1.5rem;
}

.trust-badge-card {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  padding: 0.6rem 1rem;
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-text);
  box-shadow: var(--shadow-sm);
}

.trust-badge-card strong {
  color: var(--color-primary);
}

/* ==========================================================================
   Three Pillars Section
   ========================================================================== */
.pillars-section {
  padding-block: 5rem;
  background: var(--color-bg-subtle);
}

.pillars-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

@media (min-width: 900px) {
  .pillars-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.pillar-card {
  background: #ffffff;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem 1.75rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-md);
  position: relative;
  transition: all var(--transition-base);
}

.pillar-card:hover {
  transform: translateY(-6px);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-xl);
}

.pillar-number {
  position: absolute;
  top: 1.5rem;
  inset-inline-end: 1.5rem;
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--color-border);
  line-height: 1;
}

.pillar-card:hover .pillar-number {
  color: var(--color-primary-soft);
}

.pillar-badge {
  align-self: flex-start;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}

.pillar-title {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.pillar-desc {
  margin-bottom: 1.5rem;
}

.pillar-features {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
  border-top: 1px solid var(--color-border);
  padding-top: 1.25rem;
}

.pillar-feature-item {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text);
}

.pillar-feature-icon {
  width: 18px;
  height: 18px;
  color: var(--color-primary);
  flex-shrink: 0;
}

/* ==========================================================================
   Carrier Partners Showcase
   ========================================================================== */
.carriers-section {
  padding-block: 4.5rem;
  background: #ffffff;
  border-bottom: 1px solid var(--color-border);
}

.carriers-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

@media (min-width: 640px) {
  .carriers-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 1024px) {
  .carriers-grid {
    grid-template-columns: repeat(5, 1fr);
  }
}

.carrier-item {
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.25rem 1rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 85px;
  transition: all var(--transition-fast);
}

.carrier-item:hover {
  background: #ffffff;
  border-color: var(--color-primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.carrier-name {
  font-weight: 800;
  font-size: 1rem;
  color: var(--color-primary);
}

.carrier-rating {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-gold);
  margin-top: 0.25rem;
}

/* ==========================================================================
   Independent vs Captive Comparison Table
   ========================================================================== */
.comparison-section {
  padding-block: 5rem;
  background: var(--color-bg-muted);
}

.comparison-table-wrapper {
  overflow-x: auto;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
  background: #ffffff;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: start;
}

.comparison-table th,
.comparison-table td {
  padding: 1.25rem 1.5rem;
  font-size: 0.95rem;
  border-bottom: 1px solid var(--color-border);
}

.comparison-table th {
  background: var(--color-bg-subtle);
  font-weight: 800;
  color: var(--color-primary);
  font-size: 1.05rem;
}

.comparison-table th.prominent-col {
  background: var(--color-primary);
  color: #ffffff;
}

.comparison-table td.prominent-col {
  background: #F8FAFC;
  font-weight: 600;
  color: var(--color-primary);
  border-inline: 2px solid var(--color-primary);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

/* ==========================================================================
   Interactive FAQ Accordion
   ========================================================================== */
.faq-section {
  padding-block: 5rem;
  background: #ffffff;
}

.faq-container {
  max-width: 860px;
  margin-inline: auto;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  margin-bottom: 1rem;
  background: #ffffff;
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition-fast);
}

.faq-item.is-open {
  border-color: var(--color-primary);
}

.faq-button {
  width: 100%;
  padding: 1.35rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  text-align: start;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  min-height: 56px;
  cursor: pointer;
  border-radius: var(--radius-lg);
}

.faq-button:hover {
  background-color: var(--color-bg-subtle);
}

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  transition: transform var(--transition-base);
  color: var(--color-accent);
}

.faq-item.is-open .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  display: none;
  padding: 0 1.5rem 1.5rem 1.5rem;
  color: var(--color-text-muted);
  line-height: 1.7;
}

.faq-item.is-open .faq-answer {
  display: block;
}

/* ==========================================================================
   State & Regional Footprint Cards
   ========================================================================== */
.states-section {
  padding-block: 5rem;
  background: var(--color-bg-subtle);
}

.states-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .states-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .states-grid {
    grid-template-columns: repeat(5, 1fr);
  }
}

.state-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.25rem;
  display: flex;
  flex-direction: column;
  transition: all var(--transition-fast);
}

.state-card:hover {
  transform: translateY(-4px);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-lg);
}

.state-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.75rem;
}

.state-code {
  font-size: 1.5rem;
  font-weight: 900;
  color: var(--color-primary);
}

.state-phone {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--color-accent);
  margin-bottom: 0.5rem;
}

.state-limits {
  font-size: 0.8125rem;
  background: var(--color-bg-subtle);
  padding: 0.4rem 0.6rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.85rem;
  color: var(--color-text-muted);
}

.state-cities {
  font-size: 0.8rem;
  color: var(--color-text-light);
  line-height: 1.4;
  margin-top: auto;
}

/* ==========================================================================
   Instant Bind Banner / Callout
   ========================================================================== */
.instant-bind-banner {
  background: linear-gradient(135deg, #0F1D3B 0%, #1E3A8A 100%);
  color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  margin-block: 4rem;
  box-shadow: var(--shadow-xl);
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: center;
}

@media (min-width: 900px) {
  .instant-bind-banner {
    grid-template-columns: 1.2fr 0.8fr;
    padding: 3rem 3.5rem;
  }
}

.instant-bind-title {
  color: #ffffff;
  font-size: clamp(1.6rem, 2.5vw + 0.5rem, 2.2rem);
  margin-bottom: 0.75rem;
}

.instant-bind-desc {
  color: #E2E8F0;
  font-size: 1.05rem;
  margin-bottom: 1.25rem;
}

.instant-bind-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.instant-pill {
  background: rgba(255, 255, 255, 0.15);
  padding: 0.35rem 0.75rem;
  border-radius: var(--radius-full);
  font-size: 0.8125rem;
  font-weight: 600;
  color: #ffffff;
}

/* ==========================================================================
   Call-to-Action Section
   ========================================================================== */
.cta-section {
  padding-block: 5rem;
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
  color: #ffffff;
  text-align: center;
  position: relative;
  overflow: clip;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at center, rgba(200, 16, 46, 0.2), transparent 70%);
  pointer-events: none;
}

.cta-inner {
  max-width: 800px;
  margin-inline: auto;
  position: relative;
  z-index: 1;
}

.cta-title {
  color: #ffffff;
  font-size: clamp(2rem, 3.5vw + 0.5rem, 2.75rem);
  margin-bottom: 1rem;
}

.cta-text {
  color: #E2E8F0;
  font-size: 1.15rem;
  margin-bottom: 2rem;
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

/* ==========================================================================
   Form System & Strategy Session Intake
   ========================================================================== */
.form-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-lg);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

@media (min-width: 640px) {
  .form-grid.two-col {
    grid-template-columns: repeat(2, 1fr);
  }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-primary);
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #ffffff;
  color: var(--color-text);
  font-size: 0.95rem;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  min-height: 48px;
}

.form-textarea {
  min-height: 120px;
  resize: vertical;
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--color-primary);
  outline: none;
  box-shadow: 0 0 0 3px rgba(27, 47, 94, 0.15);
}

.form-help {
  font-size: 0.75rem;
  color: var(--color-text-light);
}

.form-status {
  padding: 1rem;
  border-radius: var(--radius-md);
  margin-top: 1rem;
  display: none;
  font-size: 0.95rem;
  font-weight: 600;
}

.form-status.success {
  display: block;
  background: var(--color-green-soft);
  color: var(--color-green);
  border: 1px solid #BBF7D0;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background: #0B132B;
  color: #CBD5E1;
  padding-block: 5rem 2rem;
  margin-top: auto;
  border-top: 4px solid var(--color-accent);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem 2rem;
  margin-bottom: 3.5rem;
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr 1.25fr;
  }
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.footer-brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.footer-brand-title {
  color: #ffffff;
  font-size: 1.2rem;
  font-weight: 800;
}

.footer-brand-desc {
  font-size: 0.9rem;
  color: #94A3B8;
  line-height: 1.6;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.875rem;
}

.footer-contact-link {
  color: #CBD5E1;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  min-height: 36px;
}

.footer-contact-link:hover {
  color: #ffffff;
  text-decoration: underline;
}

.footer-col-title {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  position: relative;
  padding-bottom: 0.5rem;
}

.footer-col-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  inset-inline-start: 0;
  width: 28px;
  height: 2px;
  background: var(--color-accent);
}

.footer-links-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-link {
  color: #94A3B8;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: #ffffff;
}

.footer-cert-badges {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.footer-cert-item {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 0.6rem 0.85rem;
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
}

.footer-cert-item strong {
  color: #ffffff;
  display: block;
}

.footer-cert-item span {
  color: #94A3B8;
  font-size: 0.75rem;
}

/* Regional Hub Links Strip */
.footer-regions-bar {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: 1.5rem;
  margin-bottom: 2rem;
}

.footer-regions-inner {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  align-items: center;
  text-align: center;
}

@media (min-width: 768px) {
  .footer-regions-inner {
    flex-direction: row;
    justify-content: space-between;
    text-align: start;
  }
}

.footer-regions-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: #ffffff;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-regions-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  justify-content: center;
}

.footer-region-link {
  color: #94A3B8;
  font-size: 0.85rem;
  font-weight: 600;
  transition: color var(--transition-fast);
}

.footer-region-link:hover {
  color: #60A5FA;
}

/* Bottom Legal Strip */
.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  align-items: center;
  text-align: center;
  font-size: 0.8125rem;
  color: #64748B;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
    text-align: start;
  }
}

.footer-socials {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.social-icon-link {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  color: #CBD5E1;
  transition: all var(--transition-fast);
}

.social-icon-link:hover {
  background: var(--color-accent);
  color: #ffffff;
  transform: translateY(-2px);
}

.footer-disclaimer {
  max-width: 800px;
  font-size: 0.75rem;
  color: #64748B;
  line-height: 1.6;
  margin-top: 1rem;
}

/* ==========================================================================
   Back-to-Top Button (>= 48px Touch Target)
   ========================================================================== */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  inset-inline-end: 1.5rem;
  z-index: 990;
  width: 50px;
  height: 50px;
  min-width: 48px;
  min-height: 48px;
  border-radius: 50%;
  background-color: var(--color-primary);
  color: #ffffff;
  border: 2px solid rgba(255, 255, 255, 0.8);
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity var(--transition-base), transform var(--transition-base), background-color var(--transition-fast);
  cursor: pointer;
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background-color: var(--color-accent);
  transform: translateY(-3px);
}

/* ==========================================================================
   Accessibility & Reduced Motion
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}