/* ==========================================================================
   Baumert Insurance Group — design system
   Source of truth: "Baumert Insurance v2" style tile (Claude Design handoff)
   ========================================================================== */

/* ---- Fonts (self-hosted, latin subset) ---------------------------------- */
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('/fonts/instrument-sans-v4-latin-regular.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('/fonts/instrument-sans-v4-latin-500.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('/fonts/instrument-sans-v4-latin-600.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('/fonts/instrument-sans-v4-latin-700.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url('/fonts/instrument-sans-v4-latin-italic.woff2') format('woff2');
}

/* ---- Tokens -------------------------------------------------------------- */
:root {
  --ink: #071A2C;            /* darkest navy — headings, dark surfaces */
  --brand-navy: #0B2D54;     /* logo navy — dark CTA bands */
  --accent: #1273CE;         /* primary action blue */
  --accent-hover: #0E5EAA;
  --accent-bold: #5CB4F0;    /* CTA on dark surfaces */
  --accent-soft: #E4F1FD;    /* selected fills, icon backplates */
  --accent-soft-border: #BFDDF7;
  --offwhite: #F4F1EA;       /* text on navy */
  --bg-soft: #F1F6FB;        /* alternating section background */
  --body: #33475C;           /* body text */
  --muted: #5E7284;          /* captions, secondary — darkened a step from the
                                design's #6A7C8E to clear WCAG AA (4.5:1) */
  --muted-2: #93A6B8;
  --success: #10906A;
  --success-soft: #E7F5EF;
  --danger: #C0392B;
  --danger-soft: #FBEAE7;
  --border: #DCE6F0;         /* card border */
  --border-2: #E3E9F0;       /* hairlines */
  --input-border: #C6D6E5;

  --radius-card: 14px;
  --radius-panel: 16px;
  --radius-input: 10px;
  --radius-btn: 12px;

  --shadow-card: 0 2px 10px rgba(7, 26, 44, 0.04);
  --shadow-card-hover: 0 8px 24px rgba(7, 26, 44, 0.09);
  --shadow-panel: 0 8px 28px rgba(7, 26, 44, 0.07);
  --shadow-sheet: 0 10px 34px rgba(7, 26, 44, 0.07);

  --focus-ring: 0 0 0 3px #FFFFFF, 0 0 0 6px var(--accent-bold);
  --container: 1160px;
}

/* ---- Base ---------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

/* the hidden attribute must always win, even over display:flex/grid components */
[hidden] { display: none !important; }

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

/* anchor targets clear the sticky header */
[id] { scroll-margin-top: 90px; }

body {
  margin: 0;
  background: #FFFFFF;
  color: var(--ink);
  font-family: 'Instrument Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-hover); }

img { max-width: 100%; height: auto; }

input, select, button, textarea { font-family: inherit; font-size: inherit; }

/* Focus — style-tile spec: 2px ring, 3px offset (double box-shadow) */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible,
[tabindex]:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: 8px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  background: var(--ink);
  color: var(--offwhite);
  padding: 12px 20px;
  border-radius: 0 0 10px 0;
  font-weight: 600;
}
.skip-link:focus { left: 0; color: var(--offwhite); }

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

/* ---- Type scale ----------------------------------------------------------- */
h1, h2, h3 { margin: 0; color: var(--ink); }

.h-display {           /* H1 · 56/1.03 · 700 · -0.032em */
  font-size: 56px;
  line-height: 1.03;
  letter-spacing: -0.032em;
  font-weight: 700;
  text-wrap: balance;
}
.h-page {              /* page-detail hero · 48 */
  font-size: 48px;
  line-height: 1.04;
  letter-spacing: -0.032em;
  font-weight: 700;
}
.h-section {           /* H2 · 34/1.1 · 700 · -0.028em */
  font-size: 34px;
  line-height: 1.1;
  letter-spacing: -0.028em;
  font-weight: 700;
}
.h-sub {               /* H3 · 21 · 700 · -0.022em */
  font-size: 21px;
  letter-spacing: -0.022em;
  font-weight: 700;
}
.h-section-sm { font-size: 32px; }   /* detail-page "what it covers" */
.h-section-xs { font-size: 30px; }   /* detail-page columns + FAQ */
.lead { font-size: 18px; line-height: 1.6; color: var(--body); }
.body-lg { font-size: 17px; line-height: 1.6; color: var(--body); }
.caption { font-size: 13px; line-height: 1.6; color: var(--muted); }

.eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
}

.kicker {              /* STEP 1 … */
  font-size: 15px;
  font-weight: 700;
  color: var(--accent);
  letter-spacing: 0.04em;
}

/* ---- Layout --------------------------------------------------------------- */
.container { max-width: var(--container); margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.container-form { max-width: 760px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }

.section { padding: 100px 0; }
.section-tight { padding: 92px 0; }
.section-soft { background: var(--bg-soft); border-top: 1px solid var(--border-2); }
.section-hero-detail { background: var(--bg-soft); border-bottom: 1px solid var(--border-2); padding: 72px 0; }

/* ---- Buttons --------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: none;
  border-radius: var(--radius-btn);
  font-size: 16px;
  font-weight: 600;
  padding: 16px 28px;
  min-height: 44px;
  cursor: pointer;
  white-space: nowrap;
  text-align: center;
  transition: background-color 140ms ease, border-color 140ms ease, color 140ms ease;
}
.btn-primary { background: var(--accent); color: #FFFFFF; }
.btn-primary:hover { background: var(--accent-hover); color: #FFFFFF; }
.btn-secondary {
  background: transparent;
  border: 1px solid var(--input-border);
  color: var(--ink);
}
.btn-secondary:hover { border-color: var(--ink); background: var(--bg-soft); color: var(--ink); }
.btn-dark { background: var(--ink); color: var(--offwhite); }
.btn-dark:hover { background: var(--accent); color: #FFFFFF; }
.btn-on-dark { background: var(--accent-bold); color: var(--ink); font-weight: 700; }
.btn-on-dark:hover { background: var(--offwhite); color: var(--ink); }
.btn-outline-on-dark {
  background: transparent;
  border: 1px solid rgba(244, 241, 234, 0.42);
  color: var(--offwhite);
  font-weight: 700;
}
.btn-outline-on-dark:hover { border-color: var(--offwhite); background: rgba(244, 241, 234, 0.08); color: var(--offwhite); }
.btn-sm { padding: 12px 20px; font-size: 15px; border-radius: 10px; }
.btn-md { padding: 14px 24px; font-size: 15.5px; border-radius: 11px; }
.btn-lg { padding: 17px 30px; font-size: 16.5px; font-weight: 700; }
.btn-block { width: 100%; }
.btn[disabled], .btn.is-disabled {
  background: var(--border-2);
  color: var(--muted-2);
  cursor: not-allowed;
}

.link-arrow {
  border: none;
  background: none;
  padding: 0;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--accent);
  cursor: pointer;
}
.link-arrow:hover { color: var(--accent-hover); text-decoration: underline; }

/* ---- Header (dark navy per v3 design) ---------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(7, 26, 44, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}
.site-header .container {
  padding-top: 14px;
  padding-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.brand img { height: 40px; width: auto; display: block; }
.brand-tag {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--accent-bold);
  border-left: 1px solid rgba(255, 255, 255, 0.22);
  padding-left: 12px;
  white-space: nowrap;
}
.site-nav { display: flex; gap: 22px; margin-left: auto; align-items: center; }
.site-nav a {
  padding: 6px 0;
  font-size: 15px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.86);
}
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--accent-bold); }
.site-header .header-phone { color: #FFFFFF; }
.site-header .header-phone:hover { color: var(--accent-bold); }
.header-phone { font-size: 15px; font-weight: 700; color: var(--ink); white-space: nowrap; }
.header-phone:hover { color: var(--accent); }

.nav-toggle, .header-call-icon { display: none; }

/* Mobile drawer */
.drawer {
  display: none;
  border-bottom: 1px solid var(--border-2);
  background: #FFFFFF;
  padding: 8px 16px 16px;
}
.drawer.is-open { display: grid; gap: 2px; }
.drawer a {
  text-align: left;
  padding: 14px 4px;
  font-size: 16.5px;
  font-weight: 600;
  color: var(--ink);
  border-bottom: 1px solid var(--border-2);
}
.drawer a:last-child { border-bottom: none; }

/* Sticky mobile action bar */
.mobile-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 90;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-top: 1px solid var(--border);
  padding: 12px 16px;
  padding-bottom: calc(12px + env(safe-area-inset-bottom));
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.mobile-bar .btn { padding: 15px; font-size: 16px; font-weight: 700; border-radius: 11px; }

/* ---- Hero (home) -------------------------------------------------------------- */
.hero { padding: 100px 0 92px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 64px;
  align-items: start;
}
.hero h1 { max-width: 19ch; }
.hero .lead { margin: 24px 0 0; max-width: 62ch; }
.hero-ctas { display: flex; gap: 12px; margin-top: 32px; flex-wrap: wrap; }
.hero-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 26px;
  margin-top: 34px;
  padding-top: 26px;
  border-top: 1px solid var(--border-2);
}
.proof-item {
  font-size: 14.5px;
  color: var(--body);
  display: flex;
  align-items: center;
  gap: 8px;
}
.proof-item svg { flex-shrink: 0; }

/* Hero quote-start card */
.quote-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-panel);
  box-shadow: var(--shadow-panel);
  padding: 28px;
}
.quote-card-title { font-size: 19px; font-weight: 700; letter-spacing: -0.02em; color: var(--ink); }
.quote-card-sub { margin: 7px 0 22px; font-size: 14.5px; color: var(--muted); }
.quote-card-note { margin: 14px 0 0; font-size: 13px; line-height: 1.5; color: var(--muted); }
.quote-card .input { padding: 14px 16px; }

/* ---- Forms -------------------------------------------------------------------- */
.field-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--body);
  margin-bottom: 8px;
}
.field-group-label { margin: 26px 0 10px; }
legend.field-label { padding: 0; }
fieldset.field-set { border: none; margin: 0; padding: 0; min-inline-size: 0; }

.input, .select {
  width: 100%;
  padding: 15px 16px;
  border: 1px solid var(--input-border);
  border-radius: var(--radius-input);
  background: #FFFFFF;
  font-size: 16px;
  color: var(--ink);
  outline: none;
}
.input:focus-visible, .select:focus-visible {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.input[aria-invalid="true"] {
  border-color: var(--danger);
  box-shadow: 0 0 0 3px var(--danger-soft);
}
.field-error {
  display: none;
  font-size: 13px;
  color: var(--danger);
  margin-top: 6px;
}
.field-error.is-visible { display: block; }

.input-zip { width: 220px; max-width: 100%; }

/* Chips (single-select pill groups) */
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  border: 1px solid var(--border);
  background: #FFFFFF;
  color: var(--body);
  border-radius: 999px;
  padding: 12px 18px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: all 140ms ease;
  min-height: 44px;
}
.chip:hover { border-color: var(--accent); }
.chip[aria-pressed="true"] {
  border-color: var(--accent);
  background: var(--accent-soft);
  color: var(--accent-hover);
}
.chip-sm { padding: 10px 16px; font-size: 14.5px; }


/* ---- Cards / grids -------------------------------------------------------------- */
.card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 24px;
  box-shadow: var(--shadow-card);
  transition: border-color 140ms ease, box-shadow 140ms ease;
}
.card-hover:hover { border-color: var(--accent); box-shadow: var(--shadow-card-hover); }
.card-plain { box-shadow: none; padding: 26px; }
.card-title { font-size: 18px; font-weight: 700; letter-spacing: -0.02em; margin-top: 18px; }
.card-title-lg { font-size: 18.5px; font-weight: 700; letter-spacing: -0.02em; }
.card-body { margin: 7px 0 14px; font-size: 14.5px; line-height: 1.55; color: var(--body); }
.card-body-only { margin: 8px 0 0; font-size: 15.5px; line-height: 1.6; color: var(--body); }

.icon-plate {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--accent-soft);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.icon-plate-success { background: var(--success-soft); }

.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.grid-2-wide { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }

.section-intro { margin: 12px 0 40px; font-size: 17px; color: var(--body); max-width: 60ch; }
.section-title-gap { margin-bottom: 44px; }
.section-title-gap-sm { margin-bottom: 36px; }

.step-card { background: #FFFFFF; border: 1px solid var(--border); border-radius: var(--radius-card); padding: 30px; }
.step-card h3 { margin: 12px 0 8px; }
.step-card p { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--body); }

/* ---- Comparison table ------------------------------------------------------------ */
.compare {
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  overflow: hidden;
  background: #FFFFFF;
}
.compare-row { display: grid; grid-template-columns: 1fr 1fr; }
.compare-head { background: var(--ink); }
.compare-head > div {
  padding: 16px 22px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--offwhite);
}
.compare-head > div + div { color: var(--accent-bold); border-left: 1px solid rgba(244, 241, 234, 0.18); }
.compare-body .compare-row > div {
  padding: 20px 22px;
  border-bottom: 1px solid var(--border-2);
  font-size: 15.5px;
  color: var(--body);
}
.compare-body .compare-row > div + div {
  border-left: 1px solid var(--border-2);
  font-weight: 600;
  color: var(--ink);
}
.compare-body .compare-row:last-child > div { border-bottom: none; }

/* Fact list (what affects your rate) */
.fact-list { background: #FFFFFF; border: 1px solid var(--border); border-radius: var(--radius-card); overflow: hidden; }
.fact-list > div { padding: 18px 22px; border-bottom: 1px solid var(--border-2); font-size: 15.5px; color: var(--body); }
.fact-list > div:last-child { border-bottom: none; }
.fact-list strong { color: var(--ink); }

/* ---- Agent section ------------------------------------------------------------------ */
.agent-grid {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 56px;
  align-items: start;
}
.agent-photo {
  width: 360px;
  max-width: 100%;
  height: 420px;
  object-fit: cover;
  border-radius: 16px;
  display: block;
}
.agent-role { margin: 8px 0 0; font-size: 15px; color: var(--muted); }
.agent-bio { margin: 22px 0 0; font-size: 17.5px; line-height: 1.65; color: var(--body); max-width: 64ch; }
.agent-ctas { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }

/* ---- Dark sections ------------------------------------------------------------------- */
.band-ink { background: var(--ink); color: var(--offwhite); }
.band-navy { background: var(--brand-navy); color: var(--offwhite); }
.band-ink h2, .band-navy h2 { color: var(--offwhite); }
.band-navy { padding: 88px 0; text-align: center; }
.band-navy-tight { padding: 80px 0; }
.band-navy .h-cta { font-size: 40px; letter-spacing: -0.03em; font-weight: 700; max-width: 24ch; margin: 0 auto; line-height: 1.08; }
.band-navy .h-cta-sm { font-size: 34px; letter-spacing: -0.03em; font-weight: 700; max-width: 24ch; margin: 0 auto; line-height: 1.1; }
.band-navy p { margin: 18px auto 0; font-size: 18px; line-height: 1.6; color: rgba(244, 241, 234, 0.82); max-width: 54ch; }
.band-ctas { display: flex; gap: 12px; justify-content: center; margin-top: 34px; flex-wrap: wrap; }

/* Review CTA panel */
.review-panel {
  background: var(--accent-soft);
  border: 1px solid var(--accent-soft-border);
  border-radius: 18px;
  padding: 48px;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
}
.review-panel h2 { max-width: 24ch; line-height: 1.1; font-size: 32px; letter-spacing: -0.028em; }
.review-panel p { margin: 16px 0 0; font-size: 17px; line-height: 1.6; color: var(--body); max-width: 54ch; }
.review-panel-ctas { display: grid; gap: 12px; }

/* ---- FAQ -------------------------------------------------------------------------------- */
.faq details {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px 24px;
  margin-bottom: 10px;
}
.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  font-size: 17.5px;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq .faq-chev { transition: transform 170ms ease; flex-shrink: 0; }
.faq details[open] .faq-chev { transform: rotate(180deg); }
.faq p { margin: 12px 0 0; font-size: 16px; line-height: 1.6; color: var(--body); }

/* ---- Footer -------------------------------------------------------------------------------- */
.site-footer { background: var(--ink); color: var(--offwhite); padding: 72px 0 34px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(244, 241, 234, 0.16);
}
.footer-about p { margin: 20px 0 0; font-size: 15px; line-height: 1.6; color: rgba(244, 241, 234, 0.8); max-width: 38ch; }
.footer-col-title {
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(244, 241, 234, 0.6);
  font-weight: 700;
  margin-bottom: 16px;
}
.footer-links { display: grid; gap: 9px; font-size: 15px; justify-items: start; }
.footer-links a, .footer-links span { color: rgba(244, 241, 234, 0.9); }
.footer-links a:hover { color: var(--accent-bold); }
.footer-links .footer-strong { color: var(--offwhite); font-weight: 600; }
.footer-links .footer-muted { color: rgba(244, 241, 234, 0.8); }
.footer-legal {
  padding-top: 24px;
  display: grid;
  gap: 10px;
  font-size: 12.5px;
  line-height: 1.6;
  color: rgba(244, 241, 234, 0.66);
}

/* ---- Breadcrumb ------------------------------------------------------------------------------- */
.breadcrumb { font-size: 14px; color: var(--muted); margin-bottom: 20px; }
.breadcrumb a { font-weight: 600; }
.breadcrumb .sep { color: var(--muted-2); padding: 0 4px; }

/* Detail hero */
.detail-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: start;
}
.detail-hero-grid h1 { max-width: 20ch; }
.detail-hero-grid .lead { margin: 20px 0 0; max-width: 58ch; }
.side-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: var(--radius-panel);
  padding: 28px;
  box-shadow: var(--shadow-panel);
}
.side-card-title { font-size: 17px; font-weight: 700; letter-spacing: -0.02em; }
.side-card p { margin: 8px 0 18px; font-size: 15px; line-height: 1.6; color: var(--body); }

.callout-soft {
  background: var(--accent-soft);
  border: 1px solid var(--accent-soft-border);
  border-radius: var(--radius-card);
  padding: 22px;
  margin-top: 16px;
}
.callout-soft .co-title { font-size: 16.5px; font-weight: 700; color: var(--ink); }
.callout-soft p { margin: 6px 0 0; font-size: 15px; line-height: 1.6; color: var(--body); }

.mini-card { background: #FFFFFF; border: 1px solid var(--border); border-radius: 12px; padding: 22px; }
.mini-card .mc-title { font-size: 16.5px; font-weight: 700; color: var(--ink); }
.mini-card p { margin: 6px 0 0; font-size: 15px; line-height: 1.6; color: var(--body); }
.mini-stack { display: grid; gap: 16px; }

/* ---- Quote funnel page -------------------------------------------------------------------------- */
.quote-page { background: var(--bg-soft); min-height: 100vh; padding: 44px 0 80px; }
.quote-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.quote-page-lede { margin: 0; font-size: 15px; color: var(--body); max-width: 44ch; }
.quote-page-phone { font-size: 15px; font-weight: 700; color: var(--ink); white-space: nowrap; }
.quote-page-phone:hover { color: var(--accent); }
.quote-card-page { box-shadow: var(--shadow-sheet); }
.progress {
  height: 6px;
  border-radius: 999px;
  background: var(--border-2);
  overflow: hidden;
  margin-bottom: 30px;
}
.progress-fill {
  height: 100%;
  width: 0%;
  background: var(--accent);
  border-radius: 999px;
  transition: width 300ms cubic-bezier(0.2, 0.8, 0.2, 1);
}

@keyframes riseIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}
.q-step { animation: riseIn 240ms ease both; }
.q-step[hidden] { display: none; }
.q-step h1, .q-step .q-title {
  margin: 0 0 6px;
  font-size: 30px;
  font-weight: 700;
  letter-spacing: -0.028em;
  color: var(--ink);
}
.q-sub { margin: 0 0 28px; font-size: 16px; color: var(--muted); }

.q-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.q-mt { margin-top: 26px; }


/* consent */
.consent {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-top: 24px;
  padding: 18px 20px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 12px;
  cursor: pointer;
}
.consent input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin: 2px 0 0;
  accent-color: var(--accent);
  flex-shrink: 0;
}
.consent span { font-size: 14.5px; line-height: 1.55; color: var(--body); }

/* nav row */
.q-nav {
  margin-top: 34px;
  padding-top: 24px;
  border-top: 1px solid var(--border-2);
  display: flex;
  align-items: center;
  gap: 14px;
}
.q-back {
  border: none;
  background: none;
  color: var(--muted);
  font-size: 15px;
  font-weight: 600;
  padding: 12px 2px;
  cursor: pointer;
}
.q-back:hover { color: var(--ink); }
.q-next {
  margin-left: auto;
  border: none;
  font-size: 15.5px;
  font-weight: 600;
  padding: 15px 28px;
  border-radius: 11px;
  min-height: 44px;
  transition: all 140ms ease;
  background: var(--accent);
  color: #FFFFFF;
  cursor: pointer;
}
.q-next:hover { background: var(--accent-hover); }
.q-next.is-disabled { background: var(--border-2); color: var(--body); cursor: not-allowed; }
.q-next.is-disabled:hover { background: var(--border-2); }

/* status / error messaging */
.q-status { margin-top: 16px; }
.q-error-panel {
  display: none;
  background: var(--danger-soft);
  border: 1px solid #EFC7C0;
  color: #7C2418;
  border-radius: 12px;
  padding: 16px 18px;
  font-size: 15px;
  line-height: 1.55;
}
.q-error-panel.is-visible { display: block; }
.q-error-panel a { font-weight: 700; color: #7C2418; text-decoration: underline; }

/* done screen */
.done-badge {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--success-soft);
  display: grid;
  place-items: center;
}
.done-note {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px 22px;
  font-size: 15px;
  line-height: 1.6;
  color: var(--body);
}
.q-done-copy { margin: 0 0 8px; font-size: 17px; line-height: 1.6; color: var(--body); max-width: 58ch; }

.quote-disclaimer {
  margin: 22px auto 0;
  max-width: 60ch;
  text-align: center;
  font-size: 13px;
  line-height: 1.6;
  color: var(--muted);
}

/* ---- Icon colors — SVG strokes reference the token set, never hardcoded ---- */
.ic-accent { stroke: var(--accent); }
.ic-bold { stroke: var(--accent-bold); }
.ic-success { stroke: var(--success); }
.ic-ink { stroke: var(--ink); }
.ic-light { stroke: #FFFFFF; }

/* ---- Embedded funnel (hero card + /quote/ page, v3 design) ---- */
.funnel-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.funnel-counter {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  white-space: nowrap;
}
.funnel .progress { height: 5px; margin: 16px 0 22px; }
.funnel .q-title {
  margin: 0;
  font-size: 17px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.funnel .q-sub { margin: 6px 0 20px; font-size: 14.5px; color: var(--muted); }
.funnel .q-intro { margin: 0 0 20px; font-size: 14.5px; color: var(--muted); }
.funnel .field-label { font-size: 12.5px; margin-bottom: 7px; }
.funnel .field-group-label { margin: 20px 0 8px; }
.funnel .input, .funnel .select { padding: 13px 15px; font-size: 15.5px; }
.funnel .chip { padding: 10px 16px; font-size: 14.5px; }
.funnel .q-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.funnel .q-field { margin-top: 14px; }
.funnel .q-nav {
  margin-top: 22px;
  padding-top: 0;
  border-top: none;
  display: flex;
  align-items: center;
  gap: 10px;
}
.funnel .q-back { font-size: 14.5px; padding: 13px 2px; }
.funnel .q-next { font-size: 15px; padding: 14px 24px; }
.funnel .consent { margin-top: 18px; padding: 15px 16px; border-radius: 11px; }
.funnel .consent span, .funnel .consent label { font-size: 13.5px; line-height: 1.55; }
.funnel .done-badge { width: 46px; height: 46px; }
.funnel .done-title { font-size: 21px; letter-spacing: -0.025em; margin: 16px 0 8px; }
.funnel .q-done-copy { font-size: 15px; margin: 0 0 14px; }
.funnel .done-note { padding: 16px 18px; font-size: 14px; border-radius: 11px; }
.funnel-note { margin: 14px 0 0; font-size: 12.5px; line-height: 1.5; color: var(--muted); }
.funnel-fallback { font-size: 15px; line-height: 1.6; color: var(--body); }
/* reserve height so the async include doesn't jump the layout */
.quote-card[data-funnel-mount] { min-height: 430px; }

/* ---- Testimonials (real quotes, v3) ---- */
.band-ink { padding: 92px 0; }
.t-intro { margin: 14px 0 36px; font-size: 17px; color: rgba(244, 241, 234, 0.82); max-width: 58ch; }
.t-card {
  margin: 0;
  border: 1px solid rgba(244, 241, 234, 0.22);
  background: rgba(244, 241, 234, 0.05);
  border-radius: var(--radius-card);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 22px;
}
.t-quote { margin: 0; font-size: 16.5px; line-height: 1.6; color: var(--offwhite); font-style: normal; }
.t-name { font-size: 14.5px; font-weight: 700; color: var(--accent-bold); }

/* ---- Legal pages ---- */
.legal-page h1 { margin-bottom: 4px; }
.legal-page .h-sub { margin: 34px 0 8px; }
.legal-page p { margin: 0 0 12px; }
.footer-legal a { color: rgba(244, 241, 234, 0.9); }
.footer-legal a:hover { color: var(--accent-bold); }

/* honeypot — positioned off-screen, not display:none */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* visually hidden (for a11y text) */
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  margin: -1px; padding: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ---- Responsive --------------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .h-display { font-size: 44px; }
  .h-page { font-size: 40px; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .grid-5 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2-wide { grid-template-columns: 1fr; gap: 44px; }
  .agent-grid { grid-template-columns: 1fr; gap: 36px; }
  .detail-hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .review-panel { grid-template-columns: 1fr; padding: 36px; gap: 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

/* header needs ~960px for logo + tag + nav + phone + CTA — collapse below that */
@media (max-width: 960px) {
  .site-nav, .site-header .header-phone, .site-header .btn { display: none; }
  .nav-toggle, .header-call-icon {
    display: grid;
    place-items: center;
    width: 44px;
    height: 44px;
    border: 1px solid rgba(255, 255, 255, 0.28);
    border-radius: 10px;
    background: transparent;
    cursor: pointer;
    padding: 0;
  }
  .header-call-icon:hover, .nav-toggle:hover { border-color: var(--accent-bold); }
  .header-actions { margin-left: auto; display: flex; gap: 10px; align-items: center; }
  .site-header .container { gap: 12px; }
}

@media (max-width: 760px) {
  .section, .hero { padding: 64px 0; }
  .section-tight { padding: 56px 0; }
  .section-hero-detail { padding: 48px 0; }
  .h-display { font-size: 33px; line-height: 1.06; letter-spacing: -0.03em; }
  .h-page { font-size: 32px; line-height: 1.08; }
  .h-section { font-size: 27px; }
  .band-navy .h-cta { font-size: 30px; }
  .band-navy .h-cta-sm { font-size: 27px; }

  .mobile-bar.is-shown { display: grid; }
  body.has-mobile-bar { padding-bottom: 86px; }

  .grid-5, .grid-2 { grid-template-columns: 1fr; }
  .q-grid-2 { grid-template-columns: 1fr; }
  .compare-row { grid-template-columns: 1fr; }
  .compare-head > div + div { border-left: none; }
  .compare-body .compare-row > div + div { border-left: none; }
  .compare-body .compare-row:last-child > div { border-bottom: 1px solid var(--border-2); }
  .compare-body .compare-row:last-child > div:last-child { border-bottom: none; }
  .h-section-sm { font-size: 26px; }
  .h-section-xs { font-size: 25px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .review-panel { padding: 28px; }
  .quote-sheet { padding: 26px 20px 30px; }
  .agent-photo { height: auto; aspect-ratio: 6 / 7; width: 100%; }
  .input-zip { width: 100%; }
  .hero-ctas .btn, .band-ctas .btn { width: 100%; }
  .btn { white-space: normal; }
}