/* =========================================================
   McGlothin Insurance & Financial Services
   Modern, professional, trust-focused
   ========================================================= */

:root {
  /* Palette — deep navy + warm gold + paper */
  --navy-950: #07162b;
  --navy-900: #0b1f3a;
  --navy-800: #11294b;
  --navy-700: #1a3a66;
  --navy-100: #e8eef7;

  --gold: #c9a35b;
  --gold-soft: #e3c98e;
  --gold-dark: #a4823f;

  --cream: #f7f3ec;
  --paper: #fbfaf6;
  --ink: #14213d;
  --muted: #5a6a82;
  --muted-light: #8a98ac;
  --line: #e6e1d6;
  --line-soft: #efeae0;

  --display: 'Cormorant Garamond', Georgia, 'Times New Roman', serif;
  --sans: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius: 4px;
  --radius-lg: 8px;
  --shadow-sm: 0 2px 8px rgba(11, 31, 58, 0.06);
  --shadow-md: 0 12px 28px -8px rgba(11, 31, 58, 0.12);
  --shadow-lg: 0 28px 60px -16px rgba(11, 31, 58, 0.22);

  --container: 1240px;
  --transition: 0.25s ease;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: inherit; }

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

/* ---------- Type ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--display);
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--navy-900);
  line-height: 1.15;
}
h1 { font-size: clamp(40px, 5.5vw, 64px); font-weight: 600; }
h2 { font-size: clamp(32px, 4vw, 48px); font-weight: 600; }
h3 { font-size: clamp(22px, 2.4vw, 28px); font-weight: 600; }
h4 { font-size: 18px; font-weight: 600; }
em { font-style: italic; color: var(--gold-dark); font-weight: 500; }

p { color: var(--muted); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--gold);
}

.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head h2 { color: var(--navy-900); margin-bottom: 16px; }
.section-head p { font-size: 17px; line-height: 1.65; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 500;
  font-size: 15px;
  letter-spacing: 0.02em;
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  border: 1px solid transparent;
}
.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-block { display: flex; width: 100%; }

.btn-primary { background: var(--navy-900); color: #fff; }
.btn-primary:hover { background: var(--gold); color: var(--navy-900); transform: translateY(-1px); }

.btn-secondary { background: transparent; color: var(--navy-900); border-color: var(--navy-900); }
.btn-secondary:hover { background: var(--navy-900); color: #fff; }

.btn-ghost { background: transparent; color: var(--navy-900); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--navy-900); }

.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.btn-ghost-light:hover { background: rgba(255,255,255,0.1); border-color: #fff; }

/* ---------- Utility bar ---------- */
.utility-bar {
  background: var(--navy-950);
  color: var(--cream);
  font-size: 15px;
  padding: 12px 0;
  font-weight: 500;
}
.utility-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.utility-link { color: var(--gold-soft); }
.utility-link:hover { color: #fff; }
.utility-divider { color: rgba(255,255,255,0.25); margin: 0 8px; }
.utility-left { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--display);
  text-decoration: none;
  color: var(--navy-900);
}
.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--navy-900);
  color: var(--gold);
  font-family: var(--display);
  font-weight: 600;
  font-size: 28px;
  border-radius: var(--radius);
  position: relative;
}
.logo-mark::after {
  content: '';
  position: absolute;
  inset: 4px;
  border: 1px solid var(--gold);
  border-radius: 2px;
  pointer-events: none;
}
.logo-text {
  display: flex;
  flex-direction: column;
  font-weight: 600;
  font-size: 26px;
  line-height: 1;
  letter-spacing: -0.01em;
}
.logo-text small {
  font-family: var(--sans);
  font-weight: 500;
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 6px;
}

.primary-nav ul { display: flex; gap: 28px; list-style: none; align-items: center; }
.primary-nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  position: relative;
  padding: 6px 0;
}
.primary-nav a:hover { color: var(--gold-dark); }
.primary-nav a.active { color: var(--navy-900); }
.primary-nav a.active::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 2px;
  background: var(--gold);
}

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown {
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  min-width: 620px;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s ease;
  z-index: 50;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-col h4 {
  font-family: var(--sans);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 12px;
  font-weight: 600;
}
.dropdown-col a {
  display: block;
  padding: 6px 0;
  font-size: 14px;
  color: var(--ink);
}
.dropdown-col a:hover { color: var(--gold-dark); padding-left: 4px; }

.header-cta { display: flex; align-items: center; gap: 12px; }

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.mobile-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy-900);
  transition: all 0.3s;
}
.mobile-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.mobile-toggle.open span:nth-child(2) { opacity: 0; }
.mobile-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(7px, -7px); }

.mobile-drawer {
  display: none;
  background: #fff;
  border-top: 1px solid var(--line);
  padding: 20px 24px;
  flex-direction: column;
  gap: 4px;
}
.mobile-drawer a {
  padding: 12px 4px;
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
  border-bottom: 1px solid var(--line-soft);
}
.mobile-drawer a.btn { border: none; margin: 12px 0; }
.mobile-drawer.open { display: flex; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 60%, var(--navy-700) 100%);
  color: var(--cream);
  overflow: hidden;
  padding: 100px 0 120px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero-gradient {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 15%, rgba(201, 163, 91, 0.18), transparent 55%),
    radial-gradient(circle at 10% 85%, rgba(201, 163, 91, 0.1), transparent 45%);
}
.hero-grain {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 56px 56px;
  opacity: 0.5;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 72px;
  align-items: center;
  z-index: 2;
}
.hero-copy .eyebrow { color: var(--gold-soft); margin-bottom: 24px; }
.hero-copy .eyebrow::before { background: var(--gold); }
.hero h1 {
  color: #fff;
  margin-bottom: 24px;
  letter-spacing: -0.025em;
  line-height: 1.04;
}
.hero h1 em { color: var(--gold); font-weight: 400; }
.hero .lead {
  font-size: 18px;
  color: rgba(247, 243, 236, 0.85);
  margin-bottom: 36px;
  max-width: 520px;
  line-height: 1.6;
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.hero-actions .btn-primary { background: var(--gold); color: var(--navy-900); }
.hero-actions .btn-primary:hover { background: #fff; color: var(--navy-900); }
.hero-actions .btn-ghost { color: var(--cream); border-color: rgba(255,255,255,0.3); }
.hero-actions .btn-ghost:hover { background: rgba(255,255,255,0.08); border-color: var(--gold); color: var(--gold-soft); }

.hero-trust {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.trust-item { display: flex; flex-direction: column; gap: 2px; }
.trust-item strong {
  font-family: var(--display);
  font-size: 30px;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
}
.trust-item span {
  font-size: 12px;
  color: rgba(247, 243, 236, 0.65);
  letter-spacing: 0.04em;
}

/* Hero quote card */
.hero-card { position: relative; }
.quote-card {
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(201, 163, 91, 0.3);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: relative;
}
.quote-card::before {
  content: 'Quick Quote';
  position: absolute;
  top: -12px;
  left: 28px;
  background: var(--gold);
  color: var(--navy-900);
  padding: 5px 14px;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 600;
  border-radius: 2px;
}
.quote-card h3 {
  color: #fff;
  font-family: var(--display);
  font-size: 26px;
  font-weight: 500;
  margin-bottom: 8px;
}
.quote-card .muted { color: rgba(247, 243, 236, 0.7); margin-bottom: 24px; font-size: 14px; }
.quick-quote { display: flex; flex-direction: column; gap: 16px; }
.quick-quote label {
  font-size: 12px;
  color: rgba(247, 243, 236, 0.7);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 500;
  margin-bottom: -8px;
}
.quick-quote select,
.quick-quote input {
  width: 100%;
  padding: 14px 16px;
  background: rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
  color: #fff;
  font-size: 15px;
  transition: border-color var(--transition);
}
.quick-quote select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23c9a35b' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
.quick-quote select option { background: var(--navy-800); color: #fff; }
.quick-quote select:focus,
.quick-quote input:focus { outline: none; border-color: var(--gold); }
.quick-quote .btn-primary { background: var(--gold); color: var(--navy-900); margin-top: 8px; }
.quick-quote .btn-primary:hover { background: #fff; }
.quick-quote .fine {
  font-size: 12px;
  color: rgba(247, 243, 236, 0.55);
  text-align: center;
  margin-top: 4px;
}

/* ---------- Trust strip ---------- */
.trust-strip {
  background: #fff;
  padding: 44px 0;
  border-bottom: 1px solid var(--line);
}
.trust-strip-label {
  text-align: center;
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 20px;
  font-weight: 500;
}
.carrier-row {
  display: flex;
  justify-content: center;
  gap: 40px 48px;
  flex-wrap: wrap;
  align-items: center;
}
.carrier-row span {
  font-family: var(--display);
  font-style: italic;
  font-size: 18px;
  color: var(--navy-700);
  opacity: 0.65;
  transition: opacity var(--transition);
}
.carrier-row span:hover { opacity: 1; color: var(--gold-dark); }

/* ---------- Coverage grid ---------- */
.coverage-section { padding: 110px 0; background: var(--paper); }
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.coverage-card {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 36px 32px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  transition: all 0.3s ease;
  text-decoration: none;
  color: inherit;
  position: relative;
  overflow: hidden;
}
.coverage-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.coverage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-soft);
}
.coverage-card:hover::after { transform: scaleX(1); }
.coverage-card.featured {
  background: var(--navy-900);
  color: var(--cream);
  border-color: var(--navy-900);
}
.coverage-card.featured h3 { color: #fff; }
.coverage-card.featured p { color: rgba(247, 243, 236, 0.78); }
.coverage-card.featured .card-link { color: var(--gold); }
.card-icon {
  font-size: 36px;
  margin-bottom: 8px;
  line-height: 1;
}
.coverage-card h3 { color: var(--navy-900); margin-bottom: 4px; }
.coverage-card p { font-size: 14px; line-height: 1.55; flex-grow: 1; }
.card-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold-dark);
  letter-spacing: 0.04em;
  margin-top: 8px;
}

/* ---------- Why us ---------- */
.why-section { padding: 110px 0; background: var(--cream); }
.why-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 80px;
  align-items: center;
}
.why-copy h2 { margin-bottom: 20px; }
.why-copy > p {
  font-size: 17px;
  line-height: 1.65;
  margin-bottom: 28px;
  color: var(--muted);
}
.why-list { list-style: none; margin-bottom: 32px; }
.why-list li {
  padding: 16px 0;
  padding-left: 32px;
  border-bottom: 1px solid var(--line);
  position: relative;
  color: var(--ink);
  font-size: 15px;
  line-height: 1.55;
}
.why-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 22px;
  width: 14px;
  height: 14px;
  border: 2px solid var(--gold);
  border-radius: 2px;
  transform: rotate(45deg);
}
.why-list li strong { color: var(--navy-900); display: block; margin-bottom: 4px; font-weight: 600; }

.why-stat-card {
  background: var(--navy-900);
  color: var(--cream);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  position: relative;
  overflow: hidden;
}
.why-stat-card::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 220px;
  height: 220px;
  background: radial-gradient(circle, rgba(201, 163, 91, 0.18), transparent 70%);
  pointer-events: none;
}
.stat { position: relative; z-index: 1; }
.stat-num {
  display: block;
  font-family: var(--display);
  font-size: 44px;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  display: block;
  font-size: 13px;
  color: rgba(247, 243, 236, 0.75);
  line-height: 1.4;
}

/* ---------- Process ---------- */
.process-section { padding: 110px 0; background: #fff; }
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 32px;
}
.step {
  position: relative;
  padding: 36px 32px;
  background: var(--paper);
  border-radius: var(--radius-lg);
  border-top: 3px solid var(--gold);
}
.step-num {
  font-family: var(--display);
  font-size: 14px;
  font-weight: 600;
  color: var(--gold-dark);
  letter-spacing: 0.18em;
  margin-bottom: 16px;
  display: block;
}
.step h3 { color: var(--navy-900); margin-bottom: 10px; }
.step p { color: var(--muted); font-size: 15px; line-height: 1.6; }

/* ---------- Testimonials ---------- */
.testimonials { padding: 110px 0; background: var(--paper); }
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 40px;
}
.testimonial {
  background: #fff;
  padding: 40px 36px;
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  position: relative;
}
.testimonial.featured { background: var(--navy-900); border-left-color: var(--gold); }
.testimonial.featured blockquote { color: var(--cream); }
.testimonial.featured figcaption strong { color: #fff; }
.testimonial.featured figcaption span { color: var(--gold-soft); }
.testimonial blockquote {
  font-family: var(--display);
  font-style: italic;
  font-size: 17px;
  line-height: 1.55;
  color: var(--navy-800);
  margin-bottom: 24px;
  position: relative;
}
.testimonial blockquote::before {
  content: '"';
  display: block;
  font-size: 56px;
  line-height: 0.5;
  margin-bottom: 12px;
  color: var(--gold);
  font-family: var(--display);
}
.testimonial figcaption {
  display: flex;
  flex-direction: column;
  gap: 2px;
  border-top: 1px solid var(--line);
  padding-top: 16px;
  font-style: normal;
}
.testimonial.featured figcaption { border-top-color: rgba(255,255,255,0.15); }
.testimonial figcaption strong { font-size: 14px; color: var(--ink); font-weight: 600; }
.testimonial figcaption span { font-size: 12px; color: var(--muted); letter-spacing: 0.04em; }

/* ---------- Community ---------- */
.community {
  background: linear-gradient(135deg, var(--cream) 0%, var(--paper) 100%);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.community::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 163, 91, 0.12), transparent 70%);
  pointer-events: none;
}
.community-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
}
.community-copy h2 { margin-bottom: 20px; }
.community-copy p { font-size: 17px; line-height: 1.65; margin-bottom: 28px; }
.community-stat {
  background: #fff;
  padding: 48px 40px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.big-num {
  font-family: var(--display);
  font-size: 80px;
  font-weight: 500;
  color: var(--navy-900);
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 12px;
}
.community-stat p { font-size: 14px; color: var(--muted); line-height: 1.5; margin: 0; }

/* ---------- CTA section ---------- */
.cta-section {
  background: var(--navy-900);
  padding: 96px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(201, 163, 91, 0.15), transparent 70%);
  pointer-events: none;
}
.cta-inner {
  text-align: center;
  position: relative;
  z-index: 1;
  max-width: 760px;
  margin: 0 auto;
}
.cta-inner h2 { color: #fff; margin-bottom: 16px; }
.cta-inner p { color: rgba(247, 243, 236, 0.85); font-size: 17px; margin-bottom: 36px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.cta-actions .btn-primary { background: var(--gold); color: var(--navy-900); }
.cta-actions .btn-primary:hover { background: #fff; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: rgba(247, 243, 236, 0.7);
  padding: 80px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.4fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer-brand .logo { color: #fff; }
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-text small { color: rgba(255,255,255,0.5); }
.footer-brand p {
  margin-top: 18px;
  font-size: 14px;
  line-height: 1.65;
  color: rgba(247, 243, 236, 0.6);
  max-width: 320px;
}
.footer-col h4 {
  font-family: var(--sans);
  color: var(--gold);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 18px;
}
.footer-col a {
  display: block;
  padding: 5px 0;
  font-size: 14px;
  color: rgba(247, 243, 236, 0.7);
}
.footer-col a:hover { color: var(--gold-soft); }
.footer-locations p {
  font-size: 14px;
  line-height: 1.65;
  margin-bottom: 16px;
  color: rgba(247, 243, 236, 0.7);
}
.footer-locations strong { color: #fff; font-weight: 600; }
.footer-locations a { display: inline; color: var(--gold-soft); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12px;
  color: rgba(247, 243, 236, 0.45);
}
.footer-legal a { color: rgba(247, 243, 236, 0.6); }
.footer-legal a:hover { color: var(--gold-soft); }

/* =========================================================
   Inner page styles (about / coverage / contact / quote)
   ========================================================= */
.page-hero {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-800));
  color: var(--cream);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 30%, rgba(201,163,91,0.18), transparent 55%);
}
.page-hero-inner {
  position: relative;
  max-width: 800px;
}
.page-hero .eyebrow { color: var(--gold-soft); }
.page-hero .eyebrow::before { background: var(--gold); }
.page-hero h1 { color: #fff; margin-bottom: 18px; font-size: clamp(36px, 4.5vw, 54px); }
.page-hero p {
  font-size: 19px;
  color: rgba(247, 243, 236, 0.85);
  line-height: 1.55;
  max-width: 640px;
}
.breadcrumb {
  font-size: 13px;
  color: rgba(247, 243, 236, 0.6);
  margin-bottom: 18px;
  letter-spacing: 0.04em;
}
.breadcrumb a { color: var(--gold-soft); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { margin: 0 8px; opacity: 0.5; }

/* ---------- About page ---------- */
.about-intro { padding: 100px 0; background: #fff; }
.about-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-image {
  aspect-ratio: 4/5;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
}
.about-image::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 30%, rgba(201,163,91,0.3), transparent 55%);
}
.about-image-content {
  position: absolute;
  inset: 40px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: var(--cream);
}
.about-image-content .quote-mark {
  font-family: var(--display);
  font-size: 80px;
  color: var(--gold);
  line-height: 0.5;
}
.about-image-content blockquote {
  font-family: var(--display);
  font-style: italic;
  font-size: 22px;
  line-height: 1.4;
  color: rgba(255,255,255,0.92);
}
.about-image-content cite {
  font-style: normal;
  font-size: 14px;
  color: var(--gold-soft);
  letter-spacing: 0.06em;
}
.about-image-content cite strong {
  display: block;
  color: #fff;
  font-family: var(--display);
  font-size: 22px;
  margin-bottom: 4px;
}

.about-text h2 { font-size: clamp(30px, 3.4vw, 40px); margin-bottom: 20px; }
.about-text p { font-size: 16px; margin-bottom: 16px; line-height: 1.7; }

.team-section { padding: 100px 0; background: var(--paper); }
.team-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 32px;
  margin-top: 48px;
}
/* 5 cards laid out: top row has 3 (each spans 2 cols), bottom row has 2 (each spans 2 cols, offset by 1 to center) */
.team-grid .team-card {
  grid-column: span 2;
}
.team-grid .team-card:nth-child(4) {
  grid-column: 2 / span 2;
}
.team-grid .team-card:nth-child(5) {
  grid-column: 4 / span 2;
}
.team-card {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  overflow: hidden;
  transition: all 0.3s;
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--gold-soft); }
.team-photo {
  aspect-ratio: 1;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-family: var(--display);
  font-size: 56px;
  font-weight: 500;
  letter-spacing: -0.02em;
  position: relative;
  overflow: hidden;
}
.team-photo::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 30%, rgba(201,163,91,0.2), transparent 60%);
  pointer-events: none;
}
.team-info { padding: 28px 28px 32px; }
.team-info h3 { font-size: 22px; margin-bottom: 4px; }
.team-info .role {
  color: var(--gold-dark);
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 500;
  margin-bottom: 14px;
}
.team-info p { font-size: 14px; color: var(--muted); line-height: 1.6; }

.values-section { padding: 100px 0; background: var(--cream); }
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.value-card { padding: 8px; }
.value-icon {
  width: 56px;
  height: 56px;
  background: var(--navy-900);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius);
  margin-bottom: 24px;
  font-size: 24px;
}
.value-card h3 { color: var(--navy-900); margin-bottom: 12px; }
.value-card p { font-size: 15px; line-height: 1.65; }

/* ---------- Coverage page ---------- */
.coverage-page { padding: 80px 0; background: #fff; }
.coverage-detail {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 64px;
  align-items: flex-start;
}
.coverage-nav {
  position: sticky;
  top: 100px;
  border-left: 1px solid var(--line);
  padding-left: 24px;
}
.coverage-nav h4 {
  font-family: var(--sans);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-weight: 600;
  margin-bottom: 14px;
}
.coverage-nav a {
  display: block;
  padding: 8px 0;
  font-size: 14px;
  color: var(--muted);
  border-bottom: 1px solid var(--line-soft);
  transition: all var(--transition);
}
.coverage-nav a:hover, .coverage-nav a.active {
  color: var(--navy-900);
  padding-left: 4px;
}
.coverage-block { margin-bottom: 64px; padding-bottom: 64px; border-bottom: 1px solid var(--line); }
.coverage-block:last-child { border-bottom: none; }
.coverage-block h2 { color: var(--navy-900); margin-bottom: 16px; font-size: clamp(28px, 3.2vw, 38px); }
.coverage-block .lede { font-size: 17px; line-height: 1.65; margin-bottom: 24px; }
.coverage-block p { margin-bottom: 16px; line-height: 1.7; font-size: 15px; }
.coverage-block ul { padding-left: 20px; margin-bottom: 16px; }
.coverage-block ul li { padding: 4px 0; color: var(--muted); }
.coverage-block ul li::marker { color: var(--gold); }
.coverage-block .btn { margin-top: 12px; }

/* ---------- Contact page ---------- */
.contact-page { padding: 100px 0; background: #fff; }
.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: flex-start;
}
.contact-info h3 { font-size: 22px; margin-bottom: 12px; color: var(--navy-900); }
.office-block {
  background: var(--paper);
  padding: 28px 32px;
  border-radius: var(--radius-lg);
  border-left: 3px solid var(--gold);
  margin-bottom: 20px;
}
.office-block h4 {
  font-family: var(--display);
  font-size: 22px;
  margin-bottom: 8px;
  color: var(--navy-900);
}
.office-block p { font-size: 15px; line-height: 1.65; color: var(--muted); margin-bottom: 6px; }
.office-block a { color: var(--gold-dark); font-weight: 500; }
.office-block a:hover { color: var(--navy-900); }

.contact-form {
  background: var(--paper);
  padding: 40px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
}
.contact-form h3 { margin-bottom: 6px; }
.contact-form > p { font-size: 14px; color: var(--muted); margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-field label {
  font-size: 13px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: 0.02em;
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 12px 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--ink);
  font-size: 15px;
  transition: border-color var(--transition);
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus { outline: none; border-color: var(--gold); }
.form-field textarea { resize: vertical; min-height: 110px; font-family: inherit; }
.form-field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%235a6a82' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
.form-fine {
  font-size: 12px;
  color: var(--muted);
  margin-top: 14px;
  line-height: 1.5;
}

/* ---------- Quote page ---------- */
.quote-page { padding: 80px 0 100px; background: var(--paper); }
.quote-wrap {
  max-width: 760px;
  margin: 0 auto;
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  padding: 48px;
  box-shadow: var(--shadow-sm);
}
.quote-progress {
  display: flex;
  gap: 0;
  margin-bottom: 36px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 0;
}
.quote-progress .step-pill {
  flex: 1;
  text-align: center;
  padding: 14px 8px;
  font-size: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
  border-bottom: 2px solid transparent;
  position: relative;
  font-weight: 500;
}
.quote-progress .step-pill.active {
  color: var(--navy-900);
  border-bottom-color: var(--gold);
}
.quote-progress .step-pill.done { color: var(--gold-dark); }
.quote-progress .step-pill .num {
  font-family: var(--display);
  font-size: 11px;
  display: block;
  margin-bottom: 2px;
  letter-spacing: 0.1em;
  opacity: 0.7;
}

.quote-step h2 { font-size: 28px; margin-bottom: 6px; }
.quote-step > p { color: var(--muted); margin-bottom: 24px; }
.quote-step.hidden { display: none; }

.option-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-bottom: 24px;
}
.option-pill {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  background: var(--paper);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  cursor: pointer;
  transition: all var(--transition);
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
}
.option-pill input { display: none; }
.option-pill:hover { border-color: var(--gold-soft); background: #fff; }
.option-pill.selected {
  border-color: var(--gold);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(201, 163, 91, 0.12);
}
.option-pill .icon {
  font-size: 22px;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--cream);
  border-radius: var(--radius);
}
.option-pill.selected .icon { background: var(--gold); }

.quote-actions {
  display: flex;
  gap: 12px;
  justify-content: space-between;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.quote-actions .btn-back { background: transparent; color: var(--muted); border: none; padding: 14px 0; }
.quote-actions .btn-back:hover { color: var(--navy-900); }

.quote-success {
  text-align: center;
  padding: 24px 0;
}
.quote-success .check {
  width: 72px;
  height: 72px;
  background: var(--gold);
  color: var(--navy-900);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 32px;
  font-weight: bold;
  margin-bottom: 24px;
}
.quote-success h2 { margin-bottom: 14px; }
.quote-success p { font-size: 16px; max-width: 480px; margin: 0 auto 24px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 56px; }
  .why-grid, .community-inner, .about-intro-grid, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid, .values-grid, .process-steps { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid .team-card,
  .team-grid .team-card:nth-child(4),
  .team-grid .team-card:nth-child(5) { grid-column: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .coverage-detail { grid-template-columns: 1fr; gap: 32px; }
  .coverage-nav { position: static; border-left: none; border-top: 1px solid var(--line); padding-left: 0; padding-top: 24px; }
  .primary-nav, .header-cta { display: none; }
  .mobile-toggle { display: flex; }
  .dropdown { display: none; }
}
@media (max-width: 720px) {
  .coverage-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .why-stat-card { grid-template-columns: 1fr 1fr; padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .option-grid { grid-template-columns: 1fr; }
  .quote-wrap { padding: 32px 24px; }
  .quote-progress .step-pill { font-size: 10px; padding: 10px 4px; }
  .hero { padding: 70px 0 80px; }
  .coverage-section, .why-section, .process-section, .testimonials, .community, .about-intro, .team-section, .values-section, .contact-page { padding: 70px 0; }
  .cta-section { padding: 70px 0; }
  .quote-card { padding: 28px 24px; }
  .why-stat-card { padding: 28px 22px; }
  .stat-num { font-size: 32px; }
  .big-num { font-size: 56px; }
  .testimonial { padding: 32px 28px; }
  .utility-bar { font-size: 14px; }
  .hero-trust { gap: 24px; }
  .trust-item strong { font-size: 24px; }
}