/* ===========================================================
   McAdams Insurance Agency — Site Stylesheet
   Colors and fonts below come directly from the official
   McAdams brand guide. Change a value here and it updates
   everywhere on the site.
   =========================================================== */

:root {
  /* --- Brand Colors (from McAdams brand guide) --- */
  --navy: #002652;
  --navy-deep: #001430;
  --green: #7AC142;
  --green-light: #96D062;
  --green-dark: #649E33;
  --gray: #C7CDD1;
  --paper: #F7F8FA;
  --white: #FFFFFF;
  --charcoal: #262524;
  --slate: #5B6672;
  --border: rgba(0,38,82,0.12);

  /* --- Official semantic status colors (from brand standards doc) --- */
  --info: #1D6FA5;
  --info-dark: #155E8C;
  --info-bg: #E8F3FB;
  --alert: #C0392B;
  --alert-bg: #FDECEA;
  --warn: #B8860B;
  --warn-border: #E0B85C;
  --warn-bg: #FFF8E6;

  /* --- Type --- */
  --font-display: 'Unbounded', 'Arial Narrow', sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-tagline: Verdana, Geneva, sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;

  /* --- Layout --- */
  --max-width: 1180px;
  --radius: 6px;

  /* --- Theme tokens (these are the ones that flip between light/dark) --- */
  --bg: #F7F8FA;
  --surface: #FFFFFF;
  --text-heading: #002652;
  --text-body: #262524;
  --text-muted: #5B6672;
  --border: rgba(0,38,82,0.12);
  --border-fixed: rgba(0,38,82,0.15);
}

/* Dark mode overrides. The header/logo/footer/hero stay brand-navy on
   purpose (see note in the HTML) — only these tokens change. */
[data-theme="dark"] {
  --bg: #0A121F;
  --surface: #101B2E;
  --text-heading: #F2F5F9;
  --text-body: #D6DBE2;
  --text-muted: #93A0AF;
  --border: rgba(255,255,255,0.10);
}

[data-theme="dark"] .eyebrow,
[data-theme="dark"] .card .card-icon,
[data-theme="dark"] .credential-badge,
[data-theme="dark"] .list-check li::before,
[data-theme="dark"] .timeline-item .t-year,
[data-theme="dark"] .team-card .role-tag {
  color: var(--green-light);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  transition: background 0.2s ease, color 0.2s ease;
}

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.15;
  color: var(--text-heading);
}

h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 700; letter-spacing: 0; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); }
h3 { font-size: 1.3rem; }

p { color: var(--text-body); }

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.eyebrow::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--green);
  display: inline-block;
}

/* Visible keyboard focus everywhere */
a:focus-visible, button:focus-visible, input:focus-visible,
textarea:focus-visible, select:focus-visible {
  outline: 2px solid var(--green);
  outline-offset: 3px;
}

/* Skip-to-content link — invisible until a keyboard user tabs to it,
   then jumps straight past the header/nav into the page content. */
.skip-link {
  position: absolute;
  top: -60px;
  left: 12px;
  background: var(--navy);
  color: var(--white);
  padding: 12px 20px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.9rem;
  z-index: 999;
  transition: top 0.15s ease;
}
.skip-link:focus {
  top: 12px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 34px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1.02rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-primary { background: var(--green); color: var(--navy); }
.btn-primary:hover { background: var(--green-light); }

.btn-outline { background: transparent; border-color: rgba(255,255,255,0.4); color: var(--white); }
.btn-outline:hover { border-color: var(--white); }

.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); }

/* Header buttons (Get a Quote / Client Login) — these are the two most
   important actions on every page, so they get extra visual weight. */
.nav-cta .btn { font-weight: 800; }
@media (max-width: 1479px) {
  .nav-cta .btn { display: none; }
}

.mobile-only-nav-item { display: none; }
@media (max-width: 1479px) {
  .mobile-only-nav-item { display: list-item !important; }
}

/* ===================== TOP BAR ===================== */
.topbar {
  background: var(--navy-deep);
  color: var(--gray);
  font-family: var(--font-mono);
  font-size: 0.78rem;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
  flex-wrap: wrap;
  gap: 6px;
}
.topbar a { color: var(--green-light); }
.topbar .topbar-links { display: flex; gap: 20px; }
.topbar a { white-space: nowrap; }
@media (max-width: 700px) {
  .topbar .container { padding-top: 6px; padding-bottom: 6px; }
  .topbar .topbar-links { flex-wrap: wrap; gap: 4px 14px; }
}

/* ===================== HEADER / NAV ===================== */
header.site-header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 0 var(--border-fixed);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.logo { display: flex; align-items: center; }
.logo img { height: 46px; width: auto; }

nav.main-nav { display: flex; align-items: center; gap: 14px; }
nav.main-nav ul { list-style: none; display: flex; gap: 12px; flex-wrap: nowrap; white-space: nowrap; }
nav.main-nav a {
  color: var(--slate);
  font-size: 0.88rem;
  font-weight: 600;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: border-color 0.15s ease, color 0.15s ease;
}
nav.main-nav a:hover, nav.main-nav a.active { color: var(--navy); border-color: var(--green); }

.nav-cta { display: flex; align-items: center; gap: 10px; }
.nav-phone {
  color: var(--navy);
  font-family: var(--font-mono);
  font-size: 0.88rem;
  font-weight: 600;
  display: none;
}

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border-fixed);
  border-radius: var(--radius);
  color: var(--navy);
  width: 42px;
  height: 42px;
  font-size: 1.2rem;
  cursor: pointer;
}

@media (min-width: 1480px) {
  .nav-phone { display: inline; }
}

@media (max-width: 1249px) {
  nav.main-nav ul { display: none; }
  .menu-toggle { display: block; }
  .nav-wrap { flex-wrap: wrap; }
  body.menu-open nav.main-nav ul {
    display: flex;
    flex-direction: column;
    width: 100%;
    gap: 0;
    padding: 12px 0 20px;
  }
  body.menu-open nav.main-nav ul li { border-top: 1px solid var(--border-fixed); }
  body.menu-open nav.main-nav ul a { display: block; padding: 14px 4px; }
  body.menu-open nav.main-nav { flex-wrap: wrap; }
}

/* ===================== HERO ===================== */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  padding: 90px 0 110px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  right: -120px;
  top: -120px;
  width: 480px;
  height: 480px;
  border: 1px solid rgba(122,193,66,0.18);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero.has-photo { background-size: cover; background-position: center; }
.hero.has-photo::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(0,38,82,0.95) 0%, rgba(0,38,82,0.88) 45%, rgba(0,38,82,0.62) 75%, rgba(0,38,82,0.40) 100%);
}
@media (max-width: 860px) {
  .hero.has-photo::before { background: linear-gradient(180deg, rgba(0,38,82,0.94) 0%, rgba(0,38,82,0.86) 100%); }
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 60px;
  align-items: center;
}
.hero h1 { color: var(--white); margin-bottom: 22px; }
.hero h1 em { font-style: normal; color: var(--green-light); }
.hero p.lede { color: var(--gray); font-size: 1.15rem; max-width: 46ch; margin-bottom: 34px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
}

/* ---- Seal (signature element) ---- */
.seal {
  width: 190px;
  height: 190px;
  border: 1.5px solid var(--green);
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  margin: 0 auto;
  position: relative;
  font-family: var(--font-mono);
  color: var(--green-light);
}
.seal::before {
  content: '';
  position: absolute;
  inset: 10px;
  border: 1px solid rgba(122,193,66,0.4);
  border-radius: 50%;
}
.seal .seal-year {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 2.6rem;
  color: var(--white);
  line-height: 1;
}
.seal .seal-label {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 8px;
}
.seal .seal-sub {
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray);
  margin-top: 4px;
}

/* ===================== STATS STRIP ===================== */
.stats-strip {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  border-top: 1px solid var(--border);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  text-align: center;
}
.stat {
  padding: 34px 16px;
  border-left: 1px solid var(--border);
}
.stat:first-child { border-left: none; }
.stat .stat-num {
  font-family: var(--font-mono);
  font-size: 2rem;
  color: var(--text-heading);
  font-weight: 600;
}
.stat .stat-label {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-top: 4px;
}
@media (max-width: 700px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3) { border-left: none; }
}

/* ===================== SECTIONS ===================== */
section { padding: 90px 0; }
.section-alt { background: var(--surface); }
.section-head { max-width: 640px; margin-bottom: 50px; }
.section-head p { color: var(--text-muted); font-size: 1.05rem; }

/* ---- Card grid (lines of business, resources) ---- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 900px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .card-grid { grid-template-columns: 1fr; } }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover { border-color: var(--green); transform: translateY(-3px); box-shadow: 0 10px 24px rgba(0,38,82,0.08); }
.card:has(.card-link) { display: flex; flex-direction: column; }
.card a.card-link {
  display: inline-block; align-self: flex-start; margin-top: auto; padding-top: 16px;
  font-weight: 700; font-size: 0.92rem; color: var(--text-heading);
  border-bottom: 2px solid var(--green); padding-bottom: 2px;
}
.card .card-link:hover { color: var(--green-dark, #5C9530); border-color: var(--navy); }
[data-theme="dark"] .card .card-link { color: var(--white); }
.card .card-icon {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.92rem;
  margin-bottom: 18px;
  border: 1px solid var(--green);
  box-shadow: 0 4px 10px rgba(0,38,82,0.18);
}
.card h3 { margin-bottom: 10px; }
.card p { color: var(--text-muted); font-size: 0.95rem; }

/* ---- Two column feature ---- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 36px; } }

.list-check { list-style: none; margin-top: 24px; }
.list-check li {
  padding-left: 30px;
  position: relative;
  margin-bottom: 14px;
  color: var(--text-body);
}
.list-check li::before {
  content: '✓';
  position: absolute;
  left: 0; top: 0;
  color: var(--navy);
  font-weight: 700;
}

.timeline-strip {
  display: flex;
  border: 1px solid var(--border);
  background: var(--surface);
  border-radius: var(--radius);
  overflow: hidden;
}
.timeline-item {
  flex: 1;
  padding: 26px 20px;
  border-left: 1px solid var(--border);
}
.timeline-item:first-child { border-left: none; }
.timeline-item .t-year { font-family: var(--font-mono); color: var(--navy); font-size: 0.85rem; font-weight: 600; }
.timeline-item p { font-size: 0.9rem; color: var(--text-muted); margin-top: 6px; }
@media (max-width: 750px) {
  .timeline-strip { flex-direction: column; }
  .timeline-item { border-left: none; border-top: 1px solid var(--border); }
  .timeline-item:first-child { border-top: none; }
}

/* ===================== CARRIER BAND ===================== */
.carrier-band { background: var(--navy); padding: 46px 0; }
.carrier-band p.eyebrow { color: var(--green-light); justify-content: center; text-align:center; display:flex; }
.carrier-band .container { text-align: center; }
.carrier-band .carrier-count {
  font-family: var(--font-mono);
  color: var(--white);
  font-size: 1.1rem;
}

/* ===================== FORMS ===================== */
.form-panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }

.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-heading);
  margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--bg);
  color: var(--text-body);
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--green);
  background: var(--surface);
}
.field textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.82rem; color: var(--text-muted); margin-top: 14px; }
.required-legend { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 18px; }
.req-asterisk { color: var(--alert); font-weight: 700; margin-left: 2px; }

/* ===================== CTA BAND ===================== */
.cta-band {
  background: var(--navy);
  color: var(--white);
  padding: 70px 0;
  text-align: center;
  border-top: 4px solid var(--green);
}
.cta-band h2 { color: var(--white); margin-bottom: 16px; }
.cta-band p { color: var(--gray); max-width: 50ch; margin: 0 auto 30px; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
.cta-band .cta-text-line { margin: 16px auto 0; font-size: 0.9rem; color: var(--gray); }
.cta-band .cta-text-line a { color: var(--white); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.cta-band .cta-text-line a:hover { color: var(--green-light); }
.btn-outline-navy { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
[data-theme="dark"] .btn-outline-navy { border-color: var(--white); color: var(--white); }
[data-theme="dark"] .btn-outline-navy:hover { background: var(--white); color: var(--navy); }

/* ===================== FOOTER ===================== */
footer.site-footer {
  background: var(--navy-deep);
  color: var(--gray);
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .footer-grid { grid-template-columns: 1fr; } }

footer .logo img { height: 40px; margin-bottom: 14px; }

/* Social media icon row — placeholder links, swap in real profile URLs */
.social-row { display: flex; gap: 10px; margin-top: 16px; }
.social-row a {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 50%;
  color: var(--gray);
  font-size: 0.95rem;
  transition: border-color 0.15s ease, color 0.15s ease, background 0.15s ease;
}
.social-row a:hover { border-color: var(--green); color: var(--green-light); background: rgba(122,193,66,0.08); }
footer h3 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
footer ul { list-style: none; }
footer ul li { margin-bottom: 10px; font-size: 0.9rem; }
footer ul a:hover { color: var(--green-light); }
footer p.foot-desc { font-size: 0.88rem; max-width: 34ch; color: var(--gray); }

.foot-bottom {
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.78rem;
  color: var(--gray);
  font-family: var(--font-mono);
}

/* ===================== PAGE HEADER (interior pages) ===================== */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 60px 0;
}
.page-hero .eyebrow, .hero .eyebrow { color: var(--green-light); }
/* --- Photo heroes: add class "has-photo" and set background-image inline on the page-hero div ---
   e.g. <div class="page-hero has-photo" style="background-image:url('images/sourced/photo.jpg')"> */
.page-hero.has-photo {
  position: relative;
  overflow: hidden;
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
  padding: 84px 0;
}
.page-hero.has-photo::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(0,38,82,0.93) 0%, rgba(0,38,82,0.82) 40%, rgba(0,38,82,0.62) 65%, rgba(0,38,82,0.35) 100%);
}
.page-hero.has-photo .container { position: relative; z-index: 1; }
@media (max-width: 700px) {
  .page-hero.has-photo { padding: 64px 0; }
  .page-hero.has-photo::before { background: linear-gradient(180deg, rgba(0,38,82,0.92) 0%, rgba(0,38,82,0.85) 100%); }
}

/* --- Card photo header (used on featured coverage cards) --- */
.card.has-photo { padding-top: 0; overflow: hidden; }
.card-photo {
  margin: 0 -28px 24px;
  height: 170px;
  overflow: hidden;
  border-bottom: 3px solid var(--green);
}
.card-photo img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.4s ease; }
.card:hover .card-photo img { transform: scale(1.04); }
.card.has-photo .card-icon { margin-top: 0; }

.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.8rem); }
.page-hero .hero-actions { margin-top: 26px; }
.hero-text-line { margin-top: 12px; font-size: 0.9rem; color: var(--gray); }
.hero-text-line a { color: var(--white); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.hero-text-line a:hover { color: var(--green-light); }
.breadcrumb { font-family: var(--font-mono); font-size: 0.78rem; color: var(--gray); margin-top: 10px; }
.hero-subhead { font-size: 1.05rem; color: var(--gray); font-weight: 600; margin-top: 12px; }
.related-tile-row { display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 14px; margin-top: 18px; }
.related-tile-row a {
  display: block;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 18px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy);
  transition: border-color 0.15s ease;
}
.related-tile-row a:hover { border-color: var(--green); }
[data-theme="dark"] .related-tile-row a { color: var(--white); }
.breadcrumb a { color: var(--green-light); }

/* ===================== TEAM / ORG CHART ===================== */
.org-chart { display: flex; flex-direction: column; gap: 8px; align-items: center; }
.org-tier { display: flex; gap: 20px; justify-content: center; flex-wrap: wrap; width: 100%; }
.org-connector { width: 1px; height: 28px; background: var(--gray); }
.org-node {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 22px;
  text-align: center;
  min-width: 190px;
}
.org-node.tier-1 { border-top: 3px solid var(--navy); }
.org-node.tier-2 { border-top: 3px solid var(--green); }
.org-node.tier-3 { border-top: 3px solid var(--gray); }
.org-node .org-name { font-weight: 700; color: var(--text-heading); font-size: 0.95rem; }
.org-node .org-title { font-size: 0.78rem; color: var(--text-muted); margin-top: 3px; }
.org-node .org-email { display: block; margin-top: 8px; font-size: 0.78rem; font-weight: 600; color: var(--navy); }
[data-theme="dark"] .org-node .org-email { color: var(--green-light); }
.org-group-label {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  text-align: center;
  margin: 6px 0 -2px;
}

.avatar-circle {
  width: 64px; height: 64px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--white);
  margin-bottom: 16px;
}

.team-card { text-align: left; }
.team-card .role-tag {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy);
  margin-bottom: 8px;
  display: block;
}
.team-card .credential-badge {
  display: inline-block;
  background: var(--bg);
  border: 1px solid var(--green);
  color: var(--navy);
  font-family: var(--font-mono);
  font-size: 0.68rem;
  padding: 3px 9px;
  border-radius: 20px;
  margin-top: 10px;
  font-weight: 700;
}
.team-card .team-contact { margin-top: 14px; font-size: 0.85rem; }
.team-card .team-contact a { color: var(--text-heading); font-weight: 600; }
.team-card .team-contact div { margin-bottom: 4px; color: var(--text-muted); }
.tagline {
  font-family: var(--font-tagline);
  font-style: italic;
  color: var(--navy);
}

/* ===================== ARTICLE / BLOG POST ===================== */
.article { max-width: 720px; margin: 0 auto; }
.article .article-meta {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 18px;
}
.article h2 { margin-top: 40px; margin-bottom: 14px; font-size: 1.5rem; }
.article p { margin-bottom: 18px; font-size: 1.02rem; }
.article ul, .article ol { margin: 0 0 18px 22px; }
.article li { margin-bottom: 8px; }
.article .article-cta {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 4px solid var(--green);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 36px 0;
}
.article .article-cta p { margin-bottom: 14px; }
.article .article-cta .cta-actions { justify-content: flex-start; }
.article .article-cta .cta-text-line { margin: 12px 0 0; font-size: 0.9rem; color: var(--text-muted); }
.article .article-cta .cta-text-line a { color: var(--navy); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
[data-theme="dark"] .article .article-cta .cta-text-line a { color: var(--white); }

/* ===================== STICKY MOBILE CALL BAR ===================== */
/* Shown across the FULL hamburger range (matches the nav breakpoint), not
   just phone-width — this is what keeps Call + Get a Quote genuinely
   "always available" once the header buttons hide to avoid crowding. */
.mobile-cta-bar { display: none; }
@media (max-width: 1479px) {
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 200;
    background: var(--navy);
    border-top: 2px solid var(--green);
  }
  .mobile-cta-bar a {
    flex: 1;
    text-align: center;
    padding: 14px 8px;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--white);
  }
  .mobile-cta-bar a.mobile-call { background: var(--navy-deep); }
  .mobile-cta-bar a.mobile-quote { background: var(--green); color: var(--navy); }
  body { padding-bottom: 54px; }
}

/* ===================== THEME TOGGLE ===================== */
.theme-toggle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--border-fixed);
  background: transparent;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.05rem;
  flex-shrink: 0;
  transition: background 0.15s ease, border-color 0.15s ease;
}
.theme-toggle:hover { border-color: var(--navy); background: rgba(0,38,82,0.05); }
.theme-toggle .icon-dark { display: none; }
.theme-toggle[data-current="dark"] .icon-light { display: none; }
.theme-toggle[data-current="dark"] .icon-dark { display: inline; }

/* ===================== NAV DROPDOWNS (Personal / Commercial / Industries) ===================== */
nav.main-nav li.has-dropdown { position: relative; }
nav.main-nav li.has-dropdown > a { display: flex; align-items: center; gap: 4px; }
nav.main-nav li.has-dropdown > a .caret { font-size: 0.8rem; opacity: 1; transition: transform 0.15s ease; }
.nav-dropdown {
  display: none;
  position: absolute;
  top: 100%; left: 0;
  min-width: 240px;
  background: var(--white);
  border: 1px solid var(--border-fixed);
  border-radius: var(--radius);
  box-shadow: 0 14px 32px rgba(0,38,82,0.14);
  padding: 8px;
  z-index: 150;
}
.nav-dropdown a {
  display: block;
  padding: 10px 12px;
  border-radius: 4px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--slate);
  border-bottom: none !important;
}
.nav-dropdown a:hover { background: var(--paper); color: var(--navy); }
.nav-dropdown .dropdown-see-all { border-top: 1px solid var(--border-fixed); margin-top: 6px; padding-top: 10px; color: var(--navy); }

@media (min-width: 1480px) {
  nav.main-nav li.has-dropdown:hover .nav-dropdown,
  nav.main-nav li.has-dropdown:focus-within .nav-dropdown { display: block; }
  nav.main-nav li.has-dropdown:hover > a .caret,
  nav.main-nav li.has-dropdown:focus-within > a .caret { transform: rotate(180deg); }
}
@media (max-width: 1249px) {
  nav.main-nav li.has-dropdown > a { justify-content: space-between; }
  .nav-dropdown {
    display: none;
    position: static;
    box-shadow: none;
    border: none;
    padding: 0 0 0 14px;
    background: transparent;
  }
  body.menu-open li.dropdown-open .nav-dropdown { display: block; }
  body.menu-open li.dropdown-open > a .caret { transform: rotate(180deg); }
  .nav-dropdown a { color: var(--slate); padding: 10px 4px; }
}

/* ===================== TRUST BAR (reviews / badges) ===================== */
.trust-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px 22px;
  margin-top: 18px;
}
.trust-stars { color: var(--green-light); font-size: 1rem; letter-spacing: 1px; }
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--gray);
  font-weight: 600;
}
.trust-item strong { color: var(--white); font-weight: 800; }
.trust-badge {
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 999px;
  padding: 5px 12px;
  font-size: 0.76rem;
  color: var(--gray);
  font-weight: 700;
  letter-spacing: 0.02em;
}

/* ===================== MULTI-STEP QUOTE FORM ===================== */
.step-progress {
  display: flex;
  gap: 8px;
  margin-bottom: 26px;
}
.step-progress .dot {
  flex: 1;
  height: 5px;
  border-radius: 3px;
  background: var(--border-fixed);
  transition: background 0.2s ease;
}
.step-progress .dot.active,
.step-progress .dot.done { background: var(--green); }
.step-label {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.form-step { display: none; }
.form-step.active { display: block; animation: stepIn 0.2s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: translateY(0); } }

.line-choice-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 8px;
}
.line-choice {
  border: 1.5px solid var(--border-fixed);
  border-radius: var(--radius);
  padding: 16px 14px;
  cursor: pointer;
  text-align: left;
  background: var(--surface);
  transition: border-color 0.15s ease, background 0.15s ease;
}
.line-choice:hover { border-color: var(--green); }
.line-choice.selected { border-color: var(--green); background: rgba(122,193,66,0.08); }
.line-choice .lc-title { font-weight: 700; color: var(--text-heading); font-size: 0.95rem; display:block; margin-bottom: 2px; }
.line-choice .lc-sub { font-size: 0.78rem; color: var(--text-muted); }

.form-step-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }
.form-step-actions .btn { flex: 1; }
.btn-back {
  background: transparent;
  border: 1px solid var(--border-fixed);
  color: var(--text-body);
}
.btn-back:hover { border-color: var(--navy); }

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 18px 0 6px;
  font-size: 0.82rem;
  color: var(--text-muted);
}
.consent-row input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; accent-color: var(--green); }

/* ===================== EXISTING CLIENT PANEL ===================== */
.service-panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin-top: 28px;
}
.service-panel h3 { margin-bottom: 8px; }
.service-panel p { color: var(--text-muted); font-size: 0.92rem; margin-bottom: 14px; }
.service-links { display: flex; flex-wrap: wrap; gap: 10px; }
.service-links a {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--navy);
  border: 1px solid var(--border-fixed);
  border-radius: 999px;
  padding: 8px 16px;
}
.service-links a:hover { border-color: var(--green); background: var(--paper); }

/* ===================== INDUSTRY PAGES ===================== */
.industry-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 16px;
}
.industry-tile {
  display: block;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.industry-tile:hover { border-color: var(--green); transform: translateY(-2px); }
.industry-tile .it-icon { font-family: var(--font-mono); font-size: 0.72rem; font-weight: 700; color: var(--navy); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 8px; display:block; }
.industry-tile h3 { font-size: 1.02rem; margin-bottom: 6px; }
.industry-tile p { font-size: 0.86rem; color: var(--text-muted); }

.risk-table { display: flex; flex-direction: column; gap: 14px; margin-top: 10px; }
.risk-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
}
.risk-row .risk-label, .risk-row .solution-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
}
.risk-row .risk-label { color: var(--alert); }
[data-theme="dark"] .risk-row .risk-label { color: #E5786A; }
.risk-row .solution-label { color: var(--navy); }
.risk-row p { font-size: 0.9rem; color: var(--text-body); }

.coverage-checklist { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-top: 18px; }
.coverage-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.94rem;
  color: var(--text-body);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 16px;
}
.coverage-checklist li::before { content: "✓"; color: var(--green); font-weight: 800; flex-shrink: 0; }

.faq-accordion { display: flex; flex-direction: column; gap: 10px; }
.faq-accordion details {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 4px 18px;
}
.faq-accordion summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--text-heading);
  padding: 14px 0;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-accordion summary::-webkit-details-marker { display: none; }
.faq-accordion summary::after { content: "+"; font-size: 1.3rem; color: var(--navy); font-weight: 400; }
.faq-accordion details[open] summary::after { content: "–"; }
.faq-accordion p { padding: 0 0 16px; color: var(--text-muted); font-size: 0.92rem; }

@media (max-width: 700px) {
  .risk-row { grid-template-columns: 1fr; }
  .line-choice-grid { grid-template-columns: 1fr; }
}

/* Anchor targets under the sticky header shouldn't hide behind it */
.card[id] { scroll-margin-top: 110px; }

.nav-dropdown.wide {
  min-width: 460px;
  max-height: 70vh;
  overflow-y: auto;
  display: none;
}
@media (min-width: 1480px) {
  nav.main-nav li.has-dropdown:hover .nav-dropdown.wide,
  nav.main-nav li.has-dropdown:focus-within .nav-dropdown.wide { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; }
}
@media (max-width: 1249px) {
  body.menu-open li.dropdown-open .nav-dropdown.wide { display: flex; flex-direction: column; max-height: none; }
}

/* ===================== LOCAL PHOTO PANELS ===================== */
.photo-card, .photo-strip { margin: 0; position: relative; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); background: var(--surface); }
.photo-card { margin-bottom: 18px; }
.photo-card img { display: block; width: 100%; height: 260px; object-fit: cover; }
.photo-strip { margin: 0 auto 44px; max-width: 980px; }
.photo-strip img { display: block; width: 100%; height: 300px; object-fit: cover; object-position: center 60%; }
.photo-card figcaption, .photo-strip figcaption {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: 8px 14px; font-family: var(--font-mono); font-size: 0.72rem; letter-spacing: .04em;
  color: var(--white); background: linear-gradient(180deg, rgba(0,38,82,0) 0%, rgba(0,38,82,0.85) 100%);
}
@media (max-width: 700px) { .photo-card img { height: 200px; } .photo-strip img { height: 200px; } }

/* ===================== VALUES STATEMENTS ===================== */
.values-line { max-width: 720px; margin: 0 auto 50px; text-align: center; font-size: 1.12rem; line-height: 1.6; color: var(--text-heading); font-weight: 500; }
.foot-values { font-family: var(--font-mono); font-size: 0.78rem; letter-spacing: .04em; color: var(--green-light); margin: 10px 0 18px; }