/* ═══════════════════════════════════════════════════════════════════════
   Wichert Insurance – Main Stylesheet
   Palette matches wichert.com: deep navy #002A5C, gold #C8922A, white
   ═══════════════════════════════════════════════════════════════════════ */

/* ──────────────  CSS CUSTOM PROPERTIES  ────────────── */
:root {
  --color-navy:      #002A5C;
  --color-navy-dark: #001A3A;
  --color-gold:      #C8922A;
  --color-gold-dark: #A87520;
  --color-white:     #ffffff;
  --color-gray-50:   #f7f8fa;
  --color-gray-100:  #eef0f3;
  --color-gray-300:  #c4c9d4;
  --color-gray-600:  #5a627a;
  --color-gray-900:  #1a1f2e;
  --color-text:      #2b3248;

  --font-heading: 'Georgia', 'Times New Roman', serif;
  --font-body:    'Segoe UI', Arial, sans-serif;

  --radius:   4px;
  --shadow-sm: 0 2px 8px rgba(0,0,0,.10);
  --shadow-md: 0 4px 20px rgba(0,0,0,.14);

  --container-max: 1180px;
  --container-pad: 1.25rem;
  --transition: 200ms ease;
}

/* ──────────────  RESET / BASE  ────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-gray-50);
  line-height: 1.65;
}

img { display: block; max-width: 100%; height: auto; }
a   { color: var(--color-navy); text-decoration: none; }
a:hover { color: var(--color-gold); }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--color-navy);
  line-height: 1.25;
}

/* ──────────────  UTILITY  ────────────── */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.section        { padding-block: 4rem; background: var(--color-gray-50); }
.section--gray  { background: var(--color-gray-50); }

.section-title {
  font-size: 1.75rem;
  margin-bottom: 2rem;
  text-align: center;
}
.section-title a { color: inherit; }
.section-title a:hover { color: var(--color-gold); }

.section-intro {
  max-width: 700px;
  margin-inline: auto;
  text-align: center;
  margin-bottom: 2.5rem;
  color: var(--color-gray-600);
}

/* ──────────────  BUTTONS  ────────────── */
.btn {
  display: inline-block;
  padding: .65rem 1.4rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .9rem;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), border-color var(--transition);
  border: 2px solid transparent;
}
.btn--primary {
  background: var(--color-gold);
  color: var(--color-white);
  border-color: var(--color-gold);
}
.btn--primary:hover {
  background: var(--color-gold-dark);
  border-color: var(--color-gold-dark);
  color: var(--color-white);
}
.btn--secondary {
  background: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}
.btn--secondary:hover {
  background: var(--color-navy);
  color: var(--color-white);
}
.btn--outline {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,.6);
  font-size: .8rem;
  padding: .4rem 1rem;
}
.btn--outline:hover {
  background: var(--color-white);
  color: var(--color-navy);
}
.btn--sm { padding: .4rem .9rem; font-size: .82rem; }
.btn--text {
  padding: 0;
  background: none;
  border: none;
  color: var(--color-gold);
  font-weight: 600;
  font-size: .9rem;
}
.btn--text:hover { color: var(--color-gold-dark); }

/* ──────────────  TOP BAR  ────────────── */
.top-bar {
  background: var(--color-navy-dark);
  color: var(--color-white);
  font-size: .82rem;
  padding: .45rem 0;
}
.top-bar__inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.top-bar__left  { display: flex; align-items: center; gap: 1.5rem; }
.top-bar__left a  { color: rgba(255,255,255,.85); display: flex; align-items: center; gap: .35rem; }
.top-bar__left a:hover { color: var(--color-white); }
.top-bar__right { margin-left: auto; display: flex; align-items: center; gap: .75rem; }
.top-bar__right a { color: rgba(255,255,255,.7); display: flex; align-items: center; }
.top-bar__right a:hover { color: var(--color-white); }

/* ──────────────  SITE HEADER  ────────────── */
.site-header {
  background: var(--color-white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.site-header__cta { margin-left: 1.5rem; white-space: nowrap; flex-shrink: 0; }

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: .75rem;
  gap: 1rem;
}
.site-header__logo img { height: 56px; width: auto; }

/* ── Primary nav ── */
.primary-nav > ul {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: .1rem;
}

.primary-nav .nav-item {
  position: relative;
}

.primary-nav a {
  display: block;
  padding: .5rem .7rem;
  font-size: .88rem;
  font-weight: 600;
  color: var(--color-navy);
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
}
.primary-nav a:hover,
.primary-nav a.active {
  background: var(--color-gold);
  color: var(--color-white);
}

.primary-nav .has-dropdown > a::after {
  content: "▾";
  margin-left: .35rem;
  font-size: .72rem;
  opacity: .8;
}

.primary-nav .nav-dropdown {
  list-style: none;
  position: absolute;
  top: calc(100% + .3rem);
  left: 0;
  min-width: 230px;
  max-height: min(70vh, 420px);
  overflow-y: auto;
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  border-radius: 10px;
  box-shadow: var(--shadow-md);
  padding: .35rem;
  z-index: 300;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}

.primary-nav .nav-dropdown a {
  border-radius: 8px;
  padding: .5rem .7rem;
  font-size: .84rem;
  color: var(--color-navy);
  background: transparent;
}

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

.primary-nav .nav-dropdown a:hover,
.primary-nav .nav-dropdown a.active {
  background: var(--color-gray-50);
  color: var(--color-navy);
}

/* ── Mobile toggle ── */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 28px; height: 20px;
  background: none; border: none; cursor: pointer; padding: 0;
}
.nav-toggle span {
  display: block;
  height: 3px;
  background: var(--color-navy);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8.5px) rotate(-45deg); }

/* ──────────────  HERO SLIDER  ────────────── */
.hero-slider {
  position: relative;
  overflow: hidden;
  height: 500px;
  background: var(--color-navy-dark);
}
.hero-slider__track {
  display: flex;
  height: 100%;
  transition: transform .7s cubic-bezier(.32,.48,.46,.92);
}
.hero-slide {
  flex: 0 0 100%;
  height: 100%;
  position: relative;
  background: var(--color-navy) center/cover no-repeat;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-slide::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0,20,50,.35);
  transition: background-color .6s ease;
  z-index: 1;
}

/* Placeholder gradient per slide (replace with real background-image per slide) */

/* These map directly to homepage top sections: Coverages, Resources, About, Connect. */
.hero-slide--coverages {
  background-image:
    linear-gradient(135deg, rgba(0,42,92,.40) 0%, rgba(0,80,153,.25) 100%),
    url('/static/sportsHorse_images/arena.avif');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.hero-slide--resources {
  background-image:
    linear-gradient(135deg, rgba(0,26,58,.42) 0%, rgba(0,42,92,.28) 100%),
    url('/static/sportsHorse_images/image.png');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.hero-slide--about {
  background-image:
    linear-gradient(135deg, rgba(0,26,58,.40) 0%, rgba(0,42,92,.28) 100%),
    url('/static/sportsHorse_images/family.avif');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.hero-slide--connect {
  background-image:
    linear-gradient(135deg, rgba(0,26,58,.40) 0%, rgba(0,42,92,.28) 100%),
    url('/static/sportsHorse_images/horseinstall.avif');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.hero-slide__overlay {
  position: absolute; inset: 0;
  background: transparent;
}
.hero-slide__content {
  position: relative;
  z-index: 2;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
  width: 100%;
  color: var(--color-white);
  animation: slideInUp .8s cubic-bezier(.34,.1,.68,.55) both;
}
@keyframes slideInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
.hero-slide__content h2 {
  font-size: clamp(2rem, 5vw, 3.2rem);
  color: var(--color-white);
  margin-bottom: 1rem;
  font-weight: 700;
  letter-spacing: -0.5px;
  text-shadow: 0 2px 8px rgba(0,0,0,.3);
}
.hero-slide__content p {
  font-size: 1.15rem;
  margin-bottom: 2rem;
  opacity: .95;
  max-width: 600px;
  text-shadow: 0 1px 4px rgba(0,0,0,.2);
}

.slider-btn {
  position: absolute;
  top: 50%; transform: translateY(-50%);
  z-index: 10;
  background: rgba(255,255,255,.12);
  border: 2px solid rgba(255,255,255,.25);
  color: white;
  font-size: 1.3rem;
  line-height: 1;
  width: 48px; height: 48px;
  border-radius: 50%;
  cursor: pointer;
  transition: all .3s cubic-bezier(.34,.1,.68,.55);
  display: flex;
  align-items: center;
  justify-content: center;
  -webkit-backdrop-filter: blur(4px);
  backdrop-filter: blur(4px);
}
.slider-btn:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.5);
  transform: translateY(-50%) scale(1.1);
}
.slider-btn:active {
  transform: translateY(-50%) scale(0.95);
}
.slider-btn--prev { left: 1.5rem; }
.slider-btn--next { right: 1.5rem; }

.slider-dots {
  position: absolute;
  bottom: 1.5rem;
  left: 50%; transform: translateX(-50%);
  display: flex;
  gap: .6rem;
  z-index: 10;
  background: rgba(0,0,0,.25);
  padding: .6rem 1rem;
  border-radius: 50px;
  -webkit-backdrop-filter: blur(6px);
  backdrop-filter: blur(6px);
}
.slider-dot {
  width: 11px; height: 11px;
  border-radius: 50%;
  border: none;
  background: rgba(255,255,255,.35);
  cursor: pointer;
  transition: all .3s cubic-bezier(.34,.1,.68,.55);
}
.slider-dot:hover {
  background: rgba(255,255,255,.6);
  transform: scale(1.2);
}
.slider-dot.active {
  background: var(--color-gold);
  transform: scale(1.3);
  box-shadow: 0 0 12px rgba(200,146,42,.4);
}

/* ──────────────  INTRO  ────────────── */
.intro__inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3rem;
  align-items: center;
}
.intro__text h1 { font-size: 1.8rem; margin-bottom: 1rem; }
.intro__text p  { margin-bottom: 1.5rem; color: var(--color-gray-600); }
.intro__actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.intro__badge img { max-width: 120px; }

/* ──────────────  WHAT WE OFFER GRID  ────────────── */
.offer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}
.offer-card {
  background: var(--color-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-gray-100);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}
.offer-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: #d9e1ef;
}
.offer-card__img-wrap { height: 220px; overflow: hidden; background: var(--color-gray-100); }
.offer-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .7s ease, filter .4s ease;
  filter: saturate(1.04) contrast(1.03);
}
.offer-card:hover .offer-card__img-wrap img {
  transform: scale(1.06);
}
.offer-card__body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.offer-card__body h3 { font-size: 1.15rem; margin-bottom: .65rem; line-height: 1.35; }
.offer-card__body h3 a {
  color: var(--color-navy);
  text-decoration: none;
}
.offer-card__body h3 a:hover {
  color: var(--color-navy-dark);
  text-decoration: underline;
}
.offer-card__body p  { color: var(--color-gray-600); flex: 1; margin-bottom: 1rem; font-size: .9rem; }

/* ──────────────  FAMILY COMPANIES  ────────────── */
.divisions {
  background: linear-gradient(135deg, var(--color-navy-dark) 0%, var(--color-navy) 100%);
}

.divisions .section-title,
.divisions .section-intro {
  color: var(--color-white);
}

.divisions .section-intro {
  opacity: .88;
}

.family-companies {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
}

.family-company-card {
  border: 1px solid rgba(255,255,255,.35);
  border-left: 4px solid var(--color-gold);
  border-radius: 10px;
  overflow: hidden;
  background: rgba(255,255,255,.08);
  display: grid;
  grid-template-columns: 150px 1fr;
  min-height: 170px;
  transition: border-color var(--transition), background var(--transition);
  text-decoration: none;
  color: inherit;
}

.family-company-card:hover {
  border-color: var(--color-gold);
  background: rgba(255,255,255,.15);
}

.family-company-card img {
  width: 100%;
  height: 100%;
  min-height: 170px;
  object-fit: contain;
  object-position: center;
  background: var(--color-white);
  padding: .75rem;
  border-right: 1px solid var(--color-gray-100);
}

.family-company-card__body {
  padding: .9rem 1rem;
  display: flex;
  flex-direction: column;
  gap: .45rem;
}

.family-company-card__body h3 {
  font-size: 1.03rem;
  margin: 0;
  color: var(--color-white);
}

.family-company-card__body p {
  color: rgba(255,255,255,.86);
  font-size: .88rem;
  line-height: 1.5;
  margin: 0;
}

.divisions .family-company-card .btn--text {
  color: #ffd58a;
}

.divisions .family-company-card .btn--text:hover {
  color: var(--color-white);
}

@media (max-width: 700px) {
  .family-company-card {
    grid-template-columns: 1fr;
  }

  .family-company-card img {
    width: 100%;
    height: 150px;
    min-height: 150px;
    border-right: 0;
    border-bottom: 1px solid var(--color-gray-100);
  }
}

/* ──────────────  VALUE PROPS  ────────────── */
.value-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.35rem;
  margin-top: 1.3rem;
}

.value-props .section-title {
  margin-bottom: 1rem;
  text-align: left;
}

.value-card {
  text-align: left;
  padding: 1.4rem 1.25rem;
  border-top: 4px solid var(--color-gold);
  background: var(--color-white);
  border-radius: 12px;
  border: 1px solid var(--color-gray-100);
  box-shadow: 0 6px 18px rgba(10, 33, 80, 0.08);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.value-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 26px rgba(10, 33, 80, 0.12);
  border-color: #d9e1ef;
}

.value-card h3 {
  font-size: 1.06rem;
  margin-bottom: .6rem;
  line-height: 1.35;
}

.value-card p  {
  color: var(--color-gray-600);
  font-size: .95rem;
  line-height: 1.58;
}

.value-props__cta-wrap {
  margin-top: 1.25rem;
}

@media (max-width: 720px) {
  .value-card {
    padding: 1.2rem 1rem;
  }
}

/* ──────────────  PARTNERS BAND  ────────────── */
.partners {
  background: var(--color-gray-50);
  border-top: 1px solid var(--color-gray-100);
  border-bottom: 1px solid var(--color-gray-100);
}

.partners__carousel {
  display: block;
}

.partners__viewport {
  overflow: hidden;
  border-radius: 14px;
}

.partners__logo-list {
  list-style: none;
  display: flex;
  gap: .75rem;
  padding: .2rem;
  margin-top: 0;
  transition: transform 450ms cubic-bezier(.25,.46,.45,.94);
  will-change: transform;
}

.partners__logo-item {
  flex: 0 0 150px;
  height: 84px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  box-shadow: var(--shadow-sm);
  padding: .8rem;
}

.partners__logo-item img {
  max-width: 100%;
  max-height: 50px;
  width: auto;
  height: auto;
  object-fit: contain;
}

.partners__logo-fallback {
  display: none;
  color: var(--color-gray-600);
  font-size: .84rem;
  font-weight: 600;
  text-align: center;
}

.partners__control {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid var(--color-gray-300);
  background: var(--color-white);
  color: var(--color-navy);
  font-size: 1.45rem;
  line-height: 1;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: background var(--transition), color var(--transition), border-color var(--transition);
}

.partners__control:hover {
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

.partners__player-wrap {
  margin-top: .8rem;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: .65rem;
}

.partners__play-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  padding: 0;
  border-radius: 50%;
  border: 1px solid var(--color-gray-300);
  background: var(--color-white);
  color: var(--color-navy);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), border-color var(--transition), background var(--transition);
}

.partners__play-toggle:hover {
  border-color: var(--color-navy);
  transform: translateY(-1px);
}

.partners__icon {
  display: none;
  position: relative;
}

.partners__icon--play {
  width: 0;
  height: 0;
  border-top: 7px solid transparent;
  border-bottom: 7px solid transparent;
  border-left: 11px solid var(--color-navy);
  margin-left: 2px;
}

.partners__icon--pause {
  width: 12px;
  height: 14px;
}

.partners__icon--pause::before,
.partners__icon--pause::after {
  content: "";
  position: absolute;
  top: 0;
  width: 4px;
  height: 14px;
  border-radius: 2px;
  background: var(--color-navy);
}

.partners__icon--pause::before { left: 0; }
.partners__icon--pause::after { right: 0; }

.partners__play-toggle[data-playing="true"] .partners__icon--pause {
  display: inline-block;
}

.partners__play-toggle[data-playing="false"] .partners__icon--play {
  display: inline-block;
}

.partners__cta-wrap {
  margin-top: 1rem;
  text-align: center;
}

.licensed-states {
  margin-top: 1.4rem;
}

.licensed-states h3,
.licensed-states h2 {
  margin-bottom: .65rem;
  color: var(--color-navy);
}

.state-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
}

.state-list li {
  padding: .38rem .65rem;
  border-radius: 999px;
  border: 1px solid var(--color-gray-100);
  background: var(--color-white);
  color: var(--color-navy);
  font-size: .87rem;
  line-height: 1.2;
}

.licensed-states--home {
  margin-top: 1.35rem;
  text-align: center;
}

.licensed-states--home .state-list {
  justify-content: center;
}

@media (max-width: 700px) {
  .partners__logo-item {
    flex-basis: 132px;
    height: 78px;
  }

  .state-list li {
    font-size: .82rem;
  }
}

/* ──────────────  PAGE HERO  ────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--color-navy) 0%, #1a2b4d 100%);
  color: var(--color-white);
  padding: 3.25rem 0;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.4);
  z-index: 1;
}

.page-hero__layout {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: minmax(0, 1fr) clamp(150px, 18vw, 230px);
  gap: clamp(1rem, 3vw, 2.5rem);
  align-items: center;
}

.page-hero__copy {
  min-width: 0;
}

.page-hero__media {
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.24) 0%, rgba(255, 255, 255, 0.08) 100%),
    var(--page-hero-image, none);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.28);
  -webkit-backdrop-filter: blur(1px);
  backdrop-filter: blur(1px);
}

.page-hero h1   { font-size: 2.25rem; color: var(--color-white); margin-bottom: .5rem; }
.page-hero p    { color: var(--color-white); opacity: .9; max-width: 600px; }

.page-hero--contact h1,
.page-hero--contact p {
  color: var(--color-white);
}

.page-hero:not([style*="--page-hero-image"]) .page-hero__layout {
  grid-template-columns: 1fr;
}

.page-hero:not([style*="--page-hero-image"]) .page-hero__media {
  display: none;
}

@media (max-width: 900px) {
  .page-hero {
    padding: 2.6rem 0;
  }

  .page-hero__layout {
    grid-template-columns: 1fr 120px;
    gap: 1rem;
  }

  .page-hero h1 {
    font-size: 1.9rem;
  }
}

@media (max-width: 640px) {
  .page-hero__layout {
    grid-template-columns: 1fr;
  }

  .page-hero__media {
    width: min(180px, 50vw);
    justify-self: end;
    margin-top: 0.25rem;
    border-radius: 14px;
  }
}

/* ──────────────  FOOTER  ────────────── */
.site-footer {
  background: var(--color-navy-dark);
  color: rgba(255,255,255,.8);
  padding-block: 3rem 1.5rem;
  font-size: .88rem;
}
.site-footer h3 { color: var(--color-gold); margin-bottom: 1.25rem; font-size: 1rem; }

/* Two-column layout: info left, map right */
.footer-main {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
  align-items: start;
}
@media (max-width: 700px) {
  .footer-main { grid-template-columns: 1fr; }
}

.footer-info { display: flex; flex-direction: column; gap: .5rem; }

.footer-location {
  display: flex;
  flex-direction: column;
  gap: .4rem;
  margin-top: .5rem;
}
.footer-location strong { color: var(--color-white); font-size: 1rem; }
.footer-location address { font-style: normal; line-height: 1.6; color: rgba(255,255,255,.75); }
.footer-phone {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  color: var(--color-gold);
  font-weight: 600;
}
.footer-phone:hover { color: #e5b050; }

.footer-hours {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: .2rem .75rem;
  margin-top: .75rem;
  padding-top: .65rem;
  border-top: 1px solid rgba(255,255,255,.12);
  font-size: .82rem;
}
.footer-hours dt {
  font-weight: 700;
  color: rgba(255,255,255,.95);
  white-space: nowrap;
}
.footer-hours dd {
  color: var(--color-gold);
  margin: 0;
}

.footer-map-btn {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  margin-top: .35rem;
  width: fit-content;
  color: var(--color-white);
  border-color: rgba(255,255,255,.4);
}
.footer-map-btn:hover { border-color: var(--color-white); }

.footer-map {
  height: 280px;
  border-radius: 8px;
  overflow: hidden;
}
.footer-map iframe { width: 100%; height: 100%; border: 0; border-radius: 8px; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 1.25rem;
  color: rgba(255,255,255,.55);
}
.footer-nav { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-nav a { color: rgba(255,255,255,.55); }
.footer-nav a:hover { color: var(--color-white); }

/* ──────────────  RESPONSIVE  ────────────── */
@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .primary-nav {
    display: none;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--color-white);
    box-shadow: var(--shadow-md);
    z-index: 200;
    padding: 1rem;
  }
  .primary-nav.is-open { display: block; }
  .primary-nav > ul { flex-direction: column; gap: 0; }
  .primary-nav a  { padding: .75rem 1rem; border-bottom: 1px solid var(--color-gray-100); }
  .primary-nav .nav-dropdown {
    position: static;
    min-width: 0;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: 0;
    background: transparent;
    padding: 0 0 .35rem 1rem;
  }
  .primary-nav .nav-dropdown a {
    padding: .55rem .9rem;
    border-bottom: 0;
    font-size: .82rem;
    color: var(--color-gray-600);
  }
  .site-header { position: relative; }

  .intro__inner { grid-template-columns: 1fr; }
  .intro__badge { display: none; }
}

@media (max-width: 600px) {
  .hero-slider { height: 360px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ──────────────  HOME CONTACT SECTION  ────────────── */
.home-contact {
  background: linear-gradient(135deg, var(--color-navy-dark) 0%, var(--color-navy) 100%);
  color: var(--color-white);
  padding: 5rem 0;
}

.home-contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

/* ── Info column ── */
.home-contact__eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .75rem;
  font-weight: 700;
  color: var(--color-gold);
  margin-bottom: .5rem;
}

.home-contact__heading {
  font-family: var(--font-heading);
  font-size: 2rem;
  color: var(--color-white);
  line-height: 1.2;
  margin-bottom: 1rem;
}

.home-contact__body {
  color: rgba(255,255,255,.80);
  margin-bottom: 2rem;
  line-height: 1.7;
}

.home-contact__details {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2rem;
}

.home-contact__details li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  color: rgba(255,255,255,.85);
  font-size: .95rem;
}

.home-contact__details svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  stroke: var(--color-gold);
  margin-top: .15rem;
}

.home-contact__details a {
  color: rgba(255,255,255,.85);
  transition: color var(--transition);
}
.home-contact__details a:hover { color: var(--color-gold); }

/* ── Form column ── */
.home-contact__form-wrap {
  background: var(--color-gray-50);
  border-radius: 10px;
  padding: 2.25rem 2rem;
  box-shadow: 0 8px 32px rgba(0,0,0,.25);
}

.home-contact__form {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.hcf-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.hcf-group {
  display: flex;
  flex-direction: column;
  gap: .35rem;
}

.hcf-group label {
  font-size: .8rem;
  font-weight: 600;
  color: var(--color-navy);
  text-transform: uppercase;
  letter-spacing: .06em;
}

.hcf-group input,
.hcf-group select,
.hcf-group textarea {
  border: 1.5px solid var(--color-gray-300);
  border-radius: var(--radius);
  padding: .6rem .85rem;
  font-family: var(--font-body);
  font-size: .95rem;
  color: var(--color-gray-900);
  background: var(--color-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}

.hcf-group input:focus,
.hcf-group select:focus,
.hcf-group textarea:focus {
  outline: none;
  border-color: var(--color-navy);
  box-shadow: 0 0 0 3px rgba(0,42,92,.12);
}

.hcf-group textarea { resize: vertical; }

.hcf-submit {
  margin-top: .5rem;
  width: 100%;
  font-size: 1rem;
  padding: .85rem;
}

@media (max-width: 860px) {
  .home-contact__inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hcf-row { grid-template-columns: 1fr; }
}

.home-contact--light {
  background: var(--color-gray-50);
  color: var(--color-text);
}

.home-contact--light .home-contact__heading {
  color: var(--color-navy);
}

.home-contact--light .home-contact__body,
.home-contact--light .home-contact__details li,
.home-contact--light .home-contact__details a {
  color: var(--color-text);
}

.home-contact--light .home-contact__details a:hover {
  color: var(--color-navy);
}

.home-contact--light .home-contact__form-wrap {
  border: 1px solid var(--color-gray-100);
  box-shadow: var(--shadow-sm);
}

/* ──────────────  PARENT COMPANY SECTION  ────────────── */
.parent-company {
  padding: 3rem 0;
  background: transparent;
}

.parent-company__card {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 2.5rem;
  align-items: center;
  background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
  border-radius: 12px;
  padding: 2.5rem;
  box-shadow: 0 4px 20px rgba(0, 42, 92, 0.08);
  border: 1px solid rgba(200, 146, 42, 0.1);
  transition: box-shadow 0.3s ease, transform 0.3s ease;
  overflow: hidden;
}

.parent-company__card:hover {
  box-shadow: 0 8px 32px rgba(0, 42, 92, 0.12);
  transform: translateY(-2px);
}

.parent-company__logo {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  background: transparent;
  padding: 0;
  border-radius: 0;
}

.parent-company__logo img {
  max-width: 180px;
  height: auto;
  filter: none;
  transition: transform 0.3s ease;
}

.parent-company__card:hover .parent-company__logo img {
  transform: scale(1.08);
}

.parent-company__content h2 {
  font-size: 1.75rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--color-navy);
  letter-spacing: -0.5px;
}

.parent-company__content p {
  margin-bottom: 1rem;
  line-height: 1.7;
  color: var(--color-gray-700);
  font-size: 0.95rem;
}

.parent-company__content p:last-child {
  margin-bottom: 0;
}

@media (max-width: 768px) {
  .parent-company {
    padding: 2rem 0;
  }

  .parent-company__card {
    grid-template-columns: 1fr;
    gap: 1.5rem;
    padding: 1.75rem;
  }
  
  .parent-company__logo {
    order: 0;
    min-height: 0;
    padding: 0;
  }

  .parent-company__logo img {
    max-width: 150px;
  }
  
  .parent-company__content h2 {
    font-size: 1.4rem;
  }

  .parent-company__content p {
    font-size: 0.9rem;
  }
}

/* ──────────────  COVERAGE CARDS  ────────────── */
.coverage-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.25rem;
  margin: 1.25rem 0 1.75rem;
}

.coverage-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 0.9rem;
  padding: 1.5rem 1.2rem;
  border-radius: 16px;
  border: 1.5px solid var(--color-gray-100);
  background: linear-gradient(180deg, #ffffff 0%, #f9fafc 100%);
  box-shadow: 0 2px 12px rgba(0,0,0,.08);
  color: var(--color-navy);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition), background var(--transition);
}

.coverage-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 8px 24px rgba(0,0,0,.15);
  border-color: var(--color-gold);
  background: linear-gradient(180deg, #fafbfc 0%, #f5f7fb 100%);
}

.coverage-card img {
  width: 100%;
  height: 170px;
  object-fit: cover;
  border-radius: 12px;
  box-shadow: 0 10px 24px rgba(11, 35, 66, 0.16);
  flex-shrink: 0;
  transition: transform var(--transition), box-shadow var(--transition);
}

.coverage-card:hover img {
  transform: translateY(-2px) scale(1.02);
  box-shadow: 0 14px 28px rgba(11, 35, 66, 0.22);
}

.coverage-card span {
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.3;
}

.coverage-card strong {
  font-size: .78rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-gold-dark);
}

.about-modern {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.about-modern h2 {
  margin-bottom: .6rem;
}

.about-modern__intro p {
  color: var(--color-gray-600);
  max-width: 70ch;
}

.about-modern__values {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}

.about-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  border-radius: 10px;
  padding: 1.1rem 1rem;
  box-shadow: var(--shadow-sm);
}

.about-card h3 {
  font-size: 1.03rem;
  margin-bottom: .4rem;
}

.about-card p {
  color: var(--color-gray-600);
  font-size: .93rem;
}

.team-member__photo {
  width: 100%;
  max-width: 240px;
  border-radius: 10px;
  margin-bottom: 0;
}

.team-profile-card {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 1rem;
  align-items: center;
  background: linear-gradient(160deg, #ffffff 0%, #f8fafc 100%);
  border: 1px solid var(--color-gray-100);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  padding: 1rem;
}

.team-profile-card__media {
  display: flex;
  justify-content: center;
}

.team-profile-card__body h3 {
  margin: 0 0 .35rem;
  font-size: 1.2rem;
}

.team-profile-card__eyebrow {
  display: inline-block;
  margin-bottom: .35rem;
  font-size: .72rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--color-blue);
}

.team-profile-card__meta {
  margin: 0;
  color: var(--color-gray-600);
  font-size: .95rem;
}

.team-profile-card__actions {
  margin-top: .8rem;
  display: flex;
  gap: .6rem;
  flex-wrap: wrap;
}

@media (max-width: 700px) {
  .team-profile-card {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .team-profile-card__media {
    justify-content: flex-start;
  }
}

.about-modern__process {
  background: var(--color-gray-50);
  border-radius: 10px;
  padding: 1.2rem 1rem;
  border: 1px solid var(--color-gray-100);
}

.about-steps {
  margin-left: 1.1rem;
  display: flex;
  flex-direction: column;
  gap: .55rem;
  color: var(--color-text);
}

.about-modern__cta {
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  box-shadow: var(--shadow-sm);
  border-radius: 12px;
  color: var(--color-text);
  padding: 1.4rem 1.2rem;
}

.about-modern__cta h3 {
  color: var(--color-navy);
  margin-bottom: .35rem;
}

.about-modern__cta p {
  color: var(--color-gray-600);
  margin-bottom: .9rem;
}

/* ──────────────  MODERN INSURANCE PAGE FORMAT  ────────────── */
.section--insurance-modern {
  background: linear-gradient(180deg, #f8fafd 0%, #f4f7fb 100%);
}

.insurance-page-modern {
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  padding: 2rem;
}

.insurance-page-modern > * + * {
  margin-top: 1rem;
}

.insurance-page-modern h2 {
  font-size: 1.25rem;
  margin-top: 1.6rem;
  margin-bottom: .6rem;
}

.insurance-page-modern p {
  color: var(--color-gray-600);
  max-width: 75ch;
}

.insurance-page-modern ul,
.insurance-page-modern ol {
  margin-left: 1.1rem;
  color: var(--color-text);
  display: flex;
  flex-direction: column;
  gap: .45rem;
}

.insurance-page-modern li::marker {
  color: var(--color-gold-dark);
}

.insurance-page-modern > p:last-of-type .btn {
  margin-top: .5rem;
}

.insurance-page-modern p:has(> a.btn[href="/contact"]) {
  display: none;
}

.insurance-page-modern p > a.btn[href="/contact"] {
  display: none;
}

/* ──────────────  INSURANCE QUOTE FORM  ────────────── */
.insurance-quote {
  margin-top: 2.2rem;
  border-top: 1px solid var(--color-gray-100);
  padding-top: 1.8rem;
}

.insurance-quote__header h2 {
  margin: .25rem 0 .4rem;
}

.insurance-quote__header p {
  margin: 0;
}

.insurance-quote__coverage {
  margin-top: .4rem;
  color: var(--color-gray-600);
  font-size: .95rem;
}

.insurance-quote__coverage strong {
  color: var(--color-navy);
}

.insurance-quote__coverage-field {
  grid-column: 1 / -1;
}

.insurance-quote__coverage-field input[readonly] {
  background: #f7f9fc;
  border-style: dashed;
  color: var(--color-navy);
  font-weight: 600;
}

.insurance-quote__eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .74rem;
  font-weight: 700;
  color: var(--color-gold-dark);
}

.insurance-quote__alert {
  margin-top: .9rem;
  padding: .7rem .85rem;
  border-radius: 8px;
  font-size: .93rem;
}

.insurance-quote__alert--success {
  border: 1px solid #9ad4af;
  background: #edf9f1;
  color: #1e6840;
}

.insurance-quote__alert--error {
  border: 1px solid #efb4b4;
  background: #fff2f2;
  color: #8a2d2d;
}

.insurance-quote__form {
  margin-top: 1rem;
  display: flex;
  flex-direction: column;
  gap: .9rem;
}

.insurance-quote__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: .8rem;
}

.insurance-quote__form label {
  display: flex;
  flex-direction: column;
  gap: .35rem;
  font-size: .84rem;
  font-weight: 700;
  color: var(--color-navy);
  letter-spacing: .03em;
}

.insurance-quote__form input,
.insurance-quote__form select,
.insurance-quote__form textarea {
  border: 1px solid var(--color-gray-300);
  border-radius: 8px;
  background: var(--color-white);
  color: var(--color-gray-900);
  font-family: var(--font-body);
  font-size: .95rem;
  padding: .65rem .8rem;
}

.insurance-quote__form input:focus,
.insurance-quote__form select:focus,
.insurance-quote__form textarea:focus {
  outline: none;
  border-color: var(--color-navy);
  box-shadow: 0 0 0 3px rgba(0,42,92,.12);
}

.insurance-quote__message textarea {
  resize: vertical;
}

.carrier-locker {
  display: flex;
  flex-direction: column;
  gap: 1.4rem;
}

.carrier-locker__intro {
  max-width: 76ch;
  color: var(--color-gray-600);
}

.carrier-locker__note {
  font-size: .86rem;
  color: var(--color-gray-600);
}

.carrier-locker__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 1rem;
}

.carrier-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: .85rem;
  min-height: 190px;
  background: var(--color-white);
  border: 1px solid var(--color-gray-100);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  padding: 1.1rem;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.carrier-card:hover {
  transform: translateY(-4px);
  border-color: rgba(200,146,42,.35);
  box-shadow: var(--shadow-md);
}

.carrier-card img {
  width: 100%;
  max-width: 150px;
  max-height: 72px;
  object-fit: contain;
}

.carrier-card h3 {
  font-size: .95rem;
  color: var(--color-navy);
  margin: 0;
}

.carrier-card__phone {
  margin: 0;
  font-size: .88rem;
  color: var(--color-gray-600);
}

.carrier-card__phone a {
  color: var(--color-gray-600);
  font-weight: 600;
}

.carrier-card__phone a:hover {
  color: var(--color-navy);
}

@media (max-width: 780px) {
  .insurance-page-modern {
    padding: 1.3rem;
  }

  .insurance-quote__grid {
    grid-template-columns: 1fr;
  }
}