/* ============================================================
   The Collins Agency — Stylesheet
   Brand kit: Navy primary, Heritage Gold accent, Brick Red sparingly,
   Paper backgrounds. Cormorant Garamond display + Libre Franklin body.
   Mobile-first.
   ============================================================ */

/* ---------- Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,400&family=Libre+Franklin:wght@300;400;500;600;700&display=swap');

/* ---------- CSS Variables ---------- */
:root {
  /* Navy */
  --ink:        #0E1F3A;
  --navy-800:   #18325A;
  --navy:       #18325A;
  --navy-600:   #34507C;
  --navy-500:   #5A6E92;
  --navy-300:   #9DA9C0;
  --navy-100:   #E6EAF1;

  /* Gold */
  --gold-700:   #8A6326;
  --gold:       #B98D4D;
  --gold-300:   #D8BD8C;
  --gold-100:   #F1E6D2;

  /* Brick Red — single CTA per page */
  --red-700:    #7A241C;
  --red:        #9E3329;
  --red-100:    #E7C3BB;

  /* Warm neutrals */
  --paper:      #F7F4ED;
  --cloud:      #EDE7DA;
  --stone:      #D8D1C2;
  --slate:      #5B6472;
  --charcoal:   #1E2530;

  /* Semantic */
  --bg:         var(--paper);
  --bg-alt:     var(--cloud);
  --white:      #FFFFFF;
  --text:       var(--charcoal);
  --text-mid:   var(--slate);
  --text-light: #8A909E;
  --border:     #E4DCC9;
  --border-mid: #CFC4AB;

  --shadow-sm:  0 1px 3px rgba(14,31,58,0.06), 0 1px 2px rgba(14,31,58,0.04);
  --shadow:     0 6px 24px rgba(14,31,58,0.10);
  --shadow-lg:  0 14px 40px rgba(14,31,58,0.14);

  --radius-sm:  4px;
  --radius:     8px;
  --radius-lg:  14px;

  --font-display: 'Cormorant Garamond', 'Libre Caslon Text', Georgia, 'Times New Roman', serif;
  --font-body:    'Libre Franklin', 'Helvetica Neue', Arial, system-ui, -apple-system, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--paper);
  line-height: 1.7;
  font-size: 17px;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }

/* ---------- Utility ---------- */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}
.section      { padding: 80px 0; }
.section-alt  { background: var(--cloud); }
.section-paper{ background: var(--paper); }
.text-center  { text-align: center; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: 0;
  color: var(--navy);
}
.display { font-size: clamp(2.6rem, 6vw, 4rem); line-height: 1.05; letter-spacing: -0.005em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 2.6rem); line-height: 1.1; }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.05rem); line-height: 1.2; }
h3 { font-size: clamp(1.2rem, 2vw, 1.4rem); line-height: 1.25; }
p  { font-size: 1.0625rem; line-height: 1.7; color: var(--text); }
.lede { font-size: 1.15rem; line-height: 1.65; color: var(--text-mid); }

/* Gold eyebrow per brand kit: 13px / 600 / 0.28em */
.eyebrow,
.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.section-title {
  color: var(--navy);
  margin-bottom: 14px;
}
.section-subtitle {
  color: var(--text-mid);
  font-size: 1.08rem;
  margin-bottom: 48px;
  max-width: 640px;
  font-family: var(--font-body);
}
.section-subtitle.center { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  min-height: 44px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.97rem;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all 0.15s ease;
  text-decoration: none !important;
  white-space: nowrap;
  letter-spacing: 0.01em;
}

/* Brick Red — reserve for the single primary CTA on a page */
.btn-primary {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}
.btn-primary:hover { background: var(--red-700); border-color: var(--red-700); }

/* Navy filled — workhorse */
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--ink); border-color: var(--ink); }

/* Outline on light backgrounds */
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* Outline on dark backgrounds */
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn-outline-white:hover { background: var(--white); color: var(--navy); border-color: var(--white); }

/* Gold outline — secondary on navy */
.btn-outline-gold {
  background: transparent;
  color: var(--gold-300);
  border-color: var(--gold);
}
.btn-outline-gold:hover { background: var(--gold); color: var(--ink); border-color: var(--gold); }

.btn-lg { padding: 15px 32px; font-size: 1.02rem; }

/* ---------- Header / Nav ---------- */
header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 72px;
  max-width: 1140px;
  margin: 0 auto;
  gap: 16px;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none !important;
  flex-shrink: 0;
}
.nav-brand img {
  height: 44px;
  width: auto;
  display: block;
}
.nav-brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-brand-text .name {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 500;
  letter-spacing: 0.02em;
}
.nav-brand-text .tagline {
  font-family: var(--font-body);
  color: var(--gold-300);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.nav-links { display: none; gap: 4px; }
.nav-links a {
  font-family: var(--font-body);
  color: rgba(255,255,255,0.75);
  font-size: 0.92rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: color 0.15s, background 0.15s;
  letter-spacing: 0.01em;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
  text-decoration: none;
}
.nav-links a.active { color: var(--gold-300); }
.nav-cta { display: none; }

.hamburger {
  background: none; border: none; cursor: pointer;
  display: flex; flex-direction: column; gap: 5px;
  padding: 10px;
  flex-shrink: 0;
  min-height: 44px;
  min-width: 44px;
  align-items: center;
  justify-content: center;
}
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: all 0.3s;
}

.mobile-menu {
  display: none;
  background: var(--ink);
  padding: 12px 24px 24px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block;
  color: rgba(255,255,255,0.8);
  padding: 14px 0;
  min-height: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  font-size: 1rem;
  font-weight: 500;
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { color: var(--white); text-decoration: none; }
.mobile-menu .btn { margin-top: 18px; width: 100%; }

/* ---------- Hero ---------- */
.hero {
  background: var(--paper);
  padding: 64px 0 72px;
  position: relative;
  overflow: hidden;
}
.hero-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 56px 36px 60px;
  color: var(--white);
  position: relative;
  overflow: hidden;
  max-width: 100%;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(185,141,77,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hero-card > * { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero-card h1 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(2.4rem, 5.6vw, 3.6rem);
  line-height: 1.07;
  color: var(--white);
  margin-bottom: 18px;
  max-width: 680px;
}
.hero-card .hero-desc {
  color: rgba(255,255,255,0.78);
  font-size: 1.08rem;
  line-height: 1.65;
  margin-bottom: 32px;
  max-width: 560px;
}
.hero-cta-group {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
}
.hero-meta-row {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 0.88rem;
  color: rgba(255,255,255,0.7);
}
.hero-meta-row strong {
  color: var(--gold-300);
  font-weight: 600;
  display: block;
  font-size: 1.05rem;
  font-family: var(--font-display);
  margin-bottom: 2px;
}

/* Hero with logo block on the right */
.hero-card-split {
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: stretch;
}
.hero-card-content { min-width: 0; }
.hero-card-logo {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 28px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0,0,0,0.18);
}
.hero-card-logo img {
  width: 100%;
  max-width: 260px;
  height: auto;
  display: block;
}

/* ---------- Stats Bar ---------- */
.stats-bar {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
}
.stat-item {
  text-align: center;
  padding: 32px 16px;
  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.stat-item:nth-child(2n) { border-right: none; }
.stat-number {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1;
}
.stat-label {
  font-family: var(--font-body);
  font-size: 0.78rem;
  color: var(--text-mid);
  margin-top: 8px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.14em;
}

/* ---------- Product Cards (homepage chips) ---------- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 16px 22px;
  text-align: center;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
  cursor: pointer;
  text-decoration: none !important;
  min-height: 44px;
}
.product-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.product-icon { font-size: 1.9rem; margin-bottom: 10px; display: block; }
.product-card h3 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 500;
  margin: 0;
}

/* ---------- Why Choose ---------- */
.why-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }
.why-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.why-item:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.why-icon-wrap {
  width: 48px; height: 48px; border-radius: var(--radius-sm);
  background: var(--paper);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; flex-shrink: 0;
}
.why-item h3 {
  color: var(--navy);
  margin-bottom: 6px;
  font-size: 1.2rem;
  font-family: var(--font-display);
  font-weight: 500;
}
.why-item p  { color: var(--text-mid); font-size: 0.97rem; line-height: 1.65; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr; gap: 48px; }
.about-bio p {
  color: var(--text);
  margin-bottom: 20px;
  font-size: 1.06rem;
  line-height: 1.8;
}
.about-bio p:first-of-type::first-letter {
  font-family: var(--font-display);
  font-size: 3.2rem;
  font-weight: 500;
  float: left;
  line-height: 0.95;
  margin: 6px 12px 0 0;
  color: var(--navy);
}

.credentials-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.credentials-header {
  background: var(--navy);
  padding: 22px 26px;
  color: var(--white);
}
.credentials-header h3 {
  color: var(--white);
  font-size: 1.2rem;
  margin: 0;
  font-family: var(--font-display);
  font-weight: 500;
}
.credentials-body { padding: 8px 0; }
.cred-item {
  padding: 16px 26px;
  border-bottom: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.cred-item:last-child { border-bottom: none; }
.cred-label {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold);
}
.cred-value { color: var(--text); font-size: 0.97rem; font-weight: 500; }
.tag-list { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 2px; }
.tag {
  background: var(--paper);
  color: var(--navy);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 3px 11px;
  font-size: 0.8rem;
  font-weight: 500;
}

/* ---------- Insurance Cards ---------- */
.insurance-grid { display: grid; grid-template-columns: 1fr; gap: 18px; }
.ins-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 30px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.ins-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.ins-card-header { display: flex; align-items: center; gap: 16px; margin-bottom: 14px; }
.ins-icon-wrap {
  width: 52px; height: 52px; border-radius: var(--radius-sm);
  background: var(--paper);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.65rem; flex-shrink: 0;
}
.ins-card h3 {
  color: var(--navy);
  margin: 0;
  font-size: 1.3rem;
  font-family: var(--font-display);
  font-weight: 500;
}
.ins-card p  {
  color: var(--text-mid);
  font-size: 0.99rem;
  line-height: 1.7;
}
.ins-card ul { margin-top: 16px; display: flex; flex-direction: column; gap: 8px; }
.ins-card ul li {
  color: var(--text-mid);
  font-size: 0.95rem;
  padding-left: 22px;
  position: relative;
}
.ins-card ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 44px 36px;
  box-shadow: var(--shadow);
  max-width: 680px;
  margin: 0 auto;
}
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-family: var(--font-body);
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
  font-size: 0.9rem;
  letter-spacing: 0.01em;
}
.form-group .req { color: var(--red); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 15px;
  min-height: 44px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(24,50,90,0.10);
}
.form-group textarea { resize: vertical; min-height: 140px; }
.form-two-col { display: grid; grid-template-columns: 1fr; gap: 0; }
.form-submit { width: 100%; padding: 15px; font-size: 1.02rem; }
.form-note {
  font-size: 0.83rem;
  color: var(--text-mid);
  margin-top: 16px;
  line-height: 1.55;
}

/* ---------- Contact Info ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr; gap: 18px; margin-bottom: 48px; }
.info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.info-card-label {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--gold);
  margin-bottom: 18px;
}
.info-card h3 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 500;
  margin-bottom: 18px;
}
.info-row {
  display: flex; align-items: flex-start; gap: 12px;
  margin-bottom: 14px; font-size: 0.98rem; color: var(--text);
}
.info-row:last-child { margin-bottom: 0; }
.info-row .icon { font-size: 1rem; flex-shrink: 0; margin-top: 2px; }
.info-row a { color: var(--navy); font-weight: 500; }
.info-row a:hover { text-decoration: underline; color: var(--red); }

.hours-table { width: 100%; border-collapse: collapse; }
.hours-table tr td {
  padding: 9px 0;
  font-size: 0.96rem;
  color: var(--text-mid);
  border-bottom: 1px solid var(--border);
}
.hours-table tr:last-child td { border-bottom: none; }
.hours-table tr td:first-child {
  font-weight: 600;
  color: var(--text);
  width: 120px;
}
.hours-open { color: var(--navy) !important; font-weight: 600 !important; }

/* Team email list (Contact page) */
.team-emails {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
.team-email-row {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.team-email-row:last-child { border-bottom: none; }
.team-email-row .person {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.98rem;
}
.team-email-row .role {
  font-size: 0.8rem;
  color: var(--text-mid);
  text-transform: uppercase;
  letter-spacing: 0.12em;
}
.team-email-row a {
  font-size: 0.95rem;
  color: var(--navy);
  word-break: break-all;
  margin-top: 4px;
}

/* ---------- Social ---------- */
.social-links { display: flex; gap: 10px; flex-wrap: wrap; }
.social-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px; min-height: 44px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.88rem; font-weight: 600;
  transition: opacity 0.15s, transform 0.15s;
  text-decoration: none !important;
}
.social-btn:hover { opacity: 0.88; transform: translateY(-1px); }
.social-fb { background: #1877F2; color: #fff; }
.social-li { background: #0A66C2; color: #fff; }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: var(--navy);
  color: var(--white);
  padding: 84px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 50%, rgba(185,141,77,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner .eyebrow { color: var(--gold-300); }
.cta-banner h2 {
  color: var(--white);
  font-size: clamp(1.9rem, 4vw, 2.5rem);
  margin-bottom: 14px;
}
.cta-banner p  {
  color: rgba(255,255,255,0.78);
  margin-bottom: 32px;
  font-size: 1.1rem;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}
.cta-btn-group { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* CTA banner with logo stamp on the right */
.cta-banner-split { text-align: left; }
.cta-banner-split .cta-inner {
  display: flex;
  flex-direction: column;
  gap: 36px;
  align-items: stretch;
}
.cta-banner-split .cta-content { min-width: 0; }
.cta-banner-split .cta-content p {
  margin-left: 0;
  margin-right: 0;
}
.cta-banner-split .cta-btn-group { justify-content: flex-start; }
.cta-banner-split .cta-logo {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 24px 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0,0,0,0.18);
  align-self: center;
}
.cta-banner-split .cta-logo img {
  width: 100%;
  max-width: 220px;
  height: auto;
  display: block;
}

/* ---------- Page Hero ---------- */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(185,141,77,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero-inner { max-width: 720px; position: relative; z-index: 1; }
.page-hero .eyebrow,
.page-hero .section-label { color: var(--gold-300); }
.page-hero h1 {
  color: var(--white);
  font-size: clamp(2.1rem, 5vw, 3.2rem);
  margin-bottom: 14px;
}
.page-hero p  { color: rgba(255,255,255,0.78); font-size: 1.15rem; }

/* ---------- Map ---------- */
.map-embed {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
}
.map-embed iframe { display: block; width: 100%; }

/* ---------- Footer ---------- */
footer {
  background: var(--ink);
  color: rgba(255,255,255,0.55);
  padding: 64px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 44px;
}
.footer-brand .name  {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.3rem;
  font-weight: 500;
  letter-spacing: 0.01em;
}
.footer-brand .tagline {
  font-family: var(--font-body);
  color: var(--gold-300);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  margin-top: 4px;
  display: block;
}
.footer-brand p {
  margin-top: 14px;
  font-size: 0.9rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.5);
}
.footer-col h4 {
  font-family: var(--font-body);
  color: var(--gold-300);
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  margin-bottom: 18px;
  font-weight: 600;
}
.footer-col a,
.footer-col p {
  display: block;
  color: rgba(255,255,255,0.55);
  font-size: 0.92rem;
  margin-bottom: 10px;
  transition: color 0.15s;
  line-height: 1.5;
}
.footer-col a:hover { color: var(--white); text-decoration: none; }
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 24px;
}
.footer-bottom {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  text-align: center;
  line-height: 1.65;
}
.footer-bottom a { color: rgba(255,255,255,0.6); }
.footer-bottom a:hover { color: var(--white); }
.footer-sms-note {
  margin-top: 14px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  text-align: center;
  line-height: 1.65;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Reviews ---------- */
.reviews-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.review-card:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.review-stars { color: var(--gold); font-size: 1.05rem; letter-spacing: 2px; }
.review-text {
  color: var(--text);
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.1rem;
  line-height: 1.55;
  font-weight: 400;
  flex: 1;
}
.review-text::before { content: '\201C'; color: var(--gold); margin-right: 2px; }
.review-text::after  { content: '\201D'; color: var(--gold); margin-left: 2px; }
.review-author {
  font-family: var(--font-body);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.9rem;
  letter-spacing: 0.04em;
}

/* ---------- Review Action Buttons ---------- */
.review-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 32px;
}
.btn-google,
.btn-facebook-review {
  background: var(--white);
  color: var(--text);
  border: 1.5px solid var(--border-mid);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.btn-google:hover { border-color: #4285F4; color: #4285F4; background: var(--paper); }
.btn-facebook-review:hover { border-color: #1877F2; color: #1877F2; background: var(--paper); }

/* ---------- Quote Page Product Selector (big cards) ---------- */
.quote-products {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  max-width: 820px;
  margin: 0 auto;
}
.quote-product-card {
  display: flex;
  align-items: center;
  gap: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 30px;
  text-decoration: none !important;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
  color: var(--text);
}
.quote-product-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.quote-product-card .qp-icon {
  width: 64px; height: 64px;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem;
  flex-shrink: 0;
}
.quote-product-card .qp-body { flex: 1; }
.quote-product-card .qp-body h3 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  margin-bottom: 6px;
}
.quote-product-card .qp-body p {
  color: var(--text-mid);
  font-size: 0.97rem;
  line-height: 1.6;
  margin: 0;
}
.quote-product-card .qp-arrow {
  color: var(--gold);
  font-size: 1.6rem;
  font-weight: 500;
  flex-shrink: 0;
  transition: transform 0.15s;
}
.quote-product-card:hover .qp-arrow { transform: translateX(4px); }

.qr-block {
  margin-top: 56px;
  background: var(--paper);
  border: 1px dashed var(--border-mid);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}
.qr-block img {
  width: 180px;
  height: 180px;
  border-radius: var(--radius-sm);
  background: var(--white);
  padding: 8px;
  border: 1px solid var(--border);
}
.qr-block h3 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  margin: 0;
}
.qr-block p {
  color: var(--text-mid);
  font-size: 0.95rem;
  margin: 0;
  max-width: 400px;
}

/* ---------- Team Cards (About page) ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
  margin-top: 48px;
}
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  text-align: center;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.team-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.team-avatar {
  width: 96px; height: 96px;
  border-radius: 50%;
  margin: 0 auto 18px;
  overflow: hidden;
  border: 2px solid var(--gold-100);
  background: var(--paper);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--navy);
}
.team-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.team-name {
  font-family: var(--font-display);
  color: var(--navy);
  font-size: 1.2rem;
  font-weight: 500;
  margin-bottom: 4px;
}
.team-role {
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.18em;
}
.team-bio {
  color: var(--text-mid);
  font-size: 0.92rem;
  line-height: 1.6;
  margin-bottom: 14px;
  min-height: 40px;
}
.team-email {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.86rem;
  color: var(--navy);
  word-break: break-word;
  font-weight: 500;
}
.team-email:hover { text-decoration: underline; color: var(--red); }

/* ---------- Products Offered (about page) ---------- */
.products-offered-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 40px;
}
.product-offered-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 22px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.product-offered-card:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.product-offered-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--paper);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
}
.product-offered-card h3 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 500;
  margin-bottom: 6px;
}
.product-offered-card p {
  color: var(--text-mid);
  font-size: 0.9rem;
  line-height: 1.6;
  margin: 0;
}

/* ---------- Legal pages (privacy / terms) ---------- */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
}
.legal-content h2 {
  margin-top: 40px;
  margin-bottom: 14px;
  font-size: 1.55rem;
}
.legal-content h3 {
  margin-top: 24px;
  margin-bottom: 8px;
  font-size: 1.2rem;
}
.legal-content p {
  color: var(--text);
  margin-bottom: 16px;
  font-size: 1rem;
  line-height: 1.75;
}
.legal-content ul {
  list-style: disc;
  margin: 0 0 18px 22px;
  color: var(--text);
}
.legal-content ul li {
  margin-bottom: 8px;
  font-size: 1rem;
  line-height: 1.65;
}
.legal-meta {
  color: var(--text-mid);
  font-size: 0.92rem;
  font-style: italic;
  margin-bottom: 32px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width: 640px) {
  .hero-card { padding: 72px 56px 80px; }
  .hero-cta-group { flex-direction: row; align-items: center; }
  .hero-card-split {
    flex-direction: row;
    align-items: center;
    gap: 48px;
  }
  .hero-card-content { flex: 1 1 60%; }
  .hero-card-logo {
    flex: 0 0 320px;
    padding: 36px 32px;
  }
  .hero-card-logo img { max-width: 280px; }
  .cta-banner-split .cta-inner {
    flex-direction: row;
    align-items: center;
    gap: 48px;
  }
  .cta-banner-split .cta-content { flex: 1 1 60%; }
  .cta-banner-split .cta-logo {
    flex: 0 0 260px;
    padding: 28px 26px;
  }
  .cta-banner-split .cta-logo img { max-width: 240px; }
  .products-grid { grid-template-columns: repeat(3, 1fr); }
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
  .stat-item { border-bottom: none; }
  .stat-item:nth-child(2n) { border-right: 1px solid var(--border); }
  .stat-item:last-child { border-right: none; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: repeat(2, 1fr); }
  .form-two-col { grid-template-columns: 1fr 1fr; gap: 18px; }
  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; }
  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .products-offered-grid { grid-template-columns: repeat(2, 1fr); }
  .quote-products { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .nav-links  { display: flex; }
  .nav-cta    { display: inline-flex; }
  .hamburger  { display: none; }
  .about-grid { grid-template-columns: 3fr 2fr; }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: repeat(3, 1fr); }
  .reviews-grid { grid-template-columns: repeat(3, 1fr); }
  .team-grid { grid-template-columns: repeat(4, 1fr); }
  .products-offered-grid { grid-template-columns: repeat(4, 1fr); }
}