/* ============================================================
   CaliContractorInsurance.com — Shared Stylesheet
   ============================================================ */

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

:root {
  --navy:       #1B2B4B;
  --navy-light: #243660;
  --gold:       #C9973A;
  --gold-light: #E5B558;
  --gold-dark:  #A87A28;
  --white:      #FFFFFF;
  --off-white:  #F5F7FA;
  --gray-light: #E8ECF0;
  --gray-mid:   #94A3B8;
  --gray-dark:  #64748B;
  --text-dark:  #1E293B;
  --text-mid:   #475569;
  --green:      #16A34A;
  --green-bg:   #DCFCE7;
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:  0 8px 32px rgba(0,0,0,0.14);
  --radius:     10px;
  --radius-lg:  16px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
}

/* ── TOP BAR ── */
.top-bar {
  background: var(--navy-light);
  color: rgba(255,255,255,0.8);
  font-size: 0.82rem;
  padding: 0.45rem 0;
}
.top-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.top-bar a { color: var(--gold-light); text-decoration: none; }
.top-bar a:hover { text-decoration: underline; }

/* ── HEADER / NAV ── */
header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 1rem;
}
.logo {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  gap: 1px;
  flex-shrink: 0;
}
.logo-main {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.02em;
}
.logo-main .accent { color: var(--gold); }
.logo-sub {
  font-size: 0.59rem;
  color: rgba(255,255,255,0.4);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* Desktop nav */
.main-nav { display: flex; align-items: center; gap: 0.1rem; }
.main-nav > li { list-style: none; position: relative; }
.main-nav > li > a {
  color: rgba(255,255,255,0.82);
  text-decoration: none;
  font-size: 0.855rem;
  font-weight: 500;
  padding: 0.5rem 0.75rem;
  border-radius: 6px;
  transition: all 0.2s;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.main-nav > li > a:hover,
.main-nav > li:hover > a { color: var(--white); background: rgba(255,255,255,0.1); }
.nav-chevron { width: 12px; height: 12px; stroke: currentColor; fill: none; stroke-width: 2.5; transition: transform 0.2s; }
.main-nav > li:hover .nav-chevron { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-4px);
  transition: all 0.18s;
  border: 1px solid var(--gray-light);
  z-index: 300;
}
.main-nav > li:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown a {
  display: block;
  padding: 0.55rem 0.85rem;
  color: var(--text-dark);
  text-decoration: none;
  font-size: 0.845rem;
  border-radius: 6px;
  transition: all 0.15s;
}
.nav-dropdown a:hover { background: var(--off-white); color: var(--navy); }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 700 !important;
  padding: 0.55rem 1rem !important;
  margin-left: 0.3rem;
}
.nav-cta:hover { background: var(--gold-light) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
}
.mobile-nav {
  display: none;
  background: var(--navy-light);
  padding: 0.5rem 1.5rem 1rem;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 0.65rem 0;
  color: rgba(255,255,255,0.82);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.mobile-nav a:last-child { border-bottom: none; color: var(--gold); font-weight: 700; }
.mobile-nav .mobile-section-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  padding: 0.85rem 0 0.25rem;
  border-bottom: none;
}

/* ── BREADCRUMB ── */
.breadcrumb-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-light);
  padding: 0.65rem 1.5rem;
}
.breadcrumb {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: var(--gray-dark);
}
.breadcrumb a { color: var(--text-mid); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb-sep { color: var(--gray-mid); }
.breadcrumb-current { color: var(--text-dark); font-weight: 500; }

/* ── PAGE HERO (subpages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0D1B33 100%);
  color: var(--white);
  padding: 3.5rem 1.5rem;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -30%; right: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,151,58,0.1) 0%, transparent 65%);
  pointer-events: none;
}
.page-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.page-hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(201,151,58,0.18);
  border: 1px solid rgba(201,151,58,0.4);
  color: var(--gold-light);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.3rem 0.8rem;
  border-radius: 100px;
  margin-bottom: 1rem;
}
.page-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.6rem, 3vw, 2.5rem);
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 0.9rem;
}
.page-hero h1 .accent { color: var(--gold); }
.page-hero-sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  max-width: 640px;
  line-height: 1.72;
  margin-bottom: 1.5rem;
}
.page-hero-ctas { display: flex; gap: 0.85rem; flex-wrap: wrap; }

/* ── BUTTONS ── */
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.8rem 1.5rem;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  font-family: inherit;
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201,151,58,0.4);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 0.8rem 1.5rem;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  border: 2px solid rgba(255,255,255,0.3);
  cursor: pointer;
  transition: all 0.2s;
  font-family: inherit;
}
.btn-secondary:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn-dark {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.8rem 1.5rem;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  transition: all 0.2s;
}
.btn-dark:hover { background: var(--navy-light); transform: translateY(-1px); }
.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.8rem 1.5rem;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  border: 2px solid var(--navy);
  transition: all 0.2s;
}
.btn-outline-dark:hover { background: rgba(27,43,75,0.1); }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--off-white);
  border-top: 1px solid var(--gray-light);
  border-bottom: 1px solid var(--gray-light);
  padding: 1rem 1.5rem;
}
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-mid);
  white-space: nowrap;
}
.trust-icon {
  width: 24px;
  height: 24px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 12px; height: 12px; fill: none; stroke: var(--navy); stroke-width: 2.5; }

/* ── SECTION SHARED ── */
section { padding: 4.5rem 1.5rem; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 2.75rem; }
.section-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold-dark);
  margin-bottom: 0.6rem;
}
.section-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  font-weight: 900;
  color: var(--navy);
  margin-bottom: 0.7rem;
  line-height: 1.2;
}
.section-header p {
  font-size: 0.95rem;
  color: var(--text-mid);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.72;
}

/* ── ARTICLE LAYOUT (content + sidebar) ── */
.article-layout {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 3rem;
  align-items: start;
  padding: 3.5rem 1.5rem;
}
.article-content h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy);
  margin: 2rem 0 0.75rem;
  line-height: 1.25;
}
.article-content h2:first-child { margin-top: 0; }
.article-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin: 1.5rem 0 0.5rem;
}
.article-content p {
  font-size: 0.93rem;
  color: var(--text-mid);
  line-height: 1.78;
  margin-bottom: 1rem;
}
.article-content ul, .article-content ol {
  margin: 0.5rem 0 1rem 1.25rem;
}
.article-content li {
  font-size: 0.93rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 0.35rem;
}
.article-content strong { color: var(--text-dark); }

/* Callout box */
.callout {
  background: var(--off-white);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.1rem 1.25rem;
  margin: 1.5rem 0;
}
.callout p { margin: 0; color: var(--text-dark); font-size: 0.9rem; }
.callout strong { color: var(--navy); }
.callout-navy {
  background: var(--navy);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.25rem 1.4rem;
  margin: 1.5rem 0;
}
.callout-navy p { color: rgba(255,255,255,0.82); font-size: 0.9rem; margin: 0; }
.callout-navy strong { color: var(--gold); }

/* Claim scenario cards */
.claim-scenarios { display: flex; flex-direction: column; gap: 1rem; margin: 1rem 0 1.5rem; }
.claim-card {
  background: var(--white);
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 1.25rem;
  position: relative;
  overflow: hidden;
}
.claim-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; bottom: 0;
  width: 4px;
  background: var(--gold);
}
.claim-amount {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--navy);
  margin-bottom: 0.25rem;
}
.claim-desc {
  font-size: 0.875rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin: 0;
}
.claim-covered {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--green);
  background: var(--green-bg);
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  margin-top: 0.5rem;
}

/* Pricing table */
.pricing-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1rem 0 1.5rem;
  font-size: 0.875rem;
}
.pricing-table th {
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1rem;
  text-align: left;
  font-weight: 700;
  font-size: 0.8rem;
}
.pricing-table th:first-child { border-radius: var(--radius) 0 0 0; }
.pricing-table th:last-child { border-radius: 0 var(--radius) 0 0; }
.pricing-table td {
  padding: 0.65rem 1rem;
  border-bottom: 1px solid var(--gray-light);
  color: var(--text-mid);
  vertical-align: top;
}
.pricing-table tr:last-child td { border-bottom: none; }
.pricing-table tr:nth-child(even) td { background: var(--off-white); }
.pricing-range { font-weight: 700; color: var(--navy); }

/* Coverage checklist */
.coverage-list {
  list-style: none;
  margin: 0.75rem 0 1.25rem;
  padding: 0;
}
.coverage-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.4rem 0;
  font-size: 0.9rem;
  color: var(--text-mid);
  border-bottom: 1px solid var(--gray-light);
  margin: 0;
}
.coverage-list li:last-child { border-bottom: none; }
.check-icon {
  width: 18px;
  height: 18px;
  background: var(--green-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.check-icon svg { width: 10px; height: 10px; stroke: var(--green); fill: none; stroke-width: 3; }
.x-icon {
  width: 18px;
  height: 18px;
  background: #FEE2E2;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.x-icon svg { width: 10px; height: 10px; stroke: #DC2626; fill: none; stroke-width: 3; }

/* ── SIDEBAR ── */
.article-sidebar { display: flex; flex-direction: column; gap: 1.25rem; }
.sidebar-card {
  background: var(--white);
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  overflow: hidden;
}
.sidebar-card-header {
  background: var(--navy);
  padding: 1rem 1.25rem;
}
.sidebar-card-header h3 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  margin: 0;
}
.sidebar-card-header p {
  color: rgba(255,255,255,0.65);
  font-size: 0.75rem;
  margin: 0.2rem 0 0;
}
.sidebar-card-body { padding: 1.25rem; }
.sidebar-form .form-group { margin-bottom: 0.8rem; }
.sidebar-form label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 0.3rem;
}
.sidebar-form input,
.sidebar-form select,
.sidebar-form textarea {
  width: 100%;
  padding: 0.58rem 0.8rem;
  border: 1.5px solid var(--gray-light);
  border-radius: 6px;
  font-size: 0.845rem;
  font-family: inherit;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s;
  appearance: none;
  -webkit-appearance: none;
}
.sidebar-form select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.65rem center;
  background-size: 14px;
  padding-right: 2rem;
}
.sidebar-form input:focus,
.sidebar-form select:focus { outline: none; border-color: var(--gold); }
.sidebar-submit {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.88rem;
  padding: 0.8rem;
  border-radius: 7px;
  border: none;
  cursor: pointer;
  font-family: inherit;
  transition: all 0.2s;
  margin-top: 0.25rem;
}
.sidebar-submit:hover { background: var(--gold-light); }
.sidebar-privacy { text-align: center; font-size: 0.68rem; color: var(--gray-mid); margin-top: 0.5rem; }

.call-sidebar {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-align: center;
}
.call-sidebar h4 { color: var(--gold); font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.3rem; }
.call-sidebar p { color: rgba(255,255,255,0.65); font-size: 0.78rem; margin-bottom: 0.65rem; }
.call-sidebar a.phone {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--white);
  text-decoration: none;
  display: block;
}
.call-sidebar a.phone:hover { color: var(--gold); }

.related-sidebar h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold-dark);
  margin-bottom: 0.75rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--gray-light);
}
.related-sidebar ul { list-style: none; padding: 0; }
.related-sidebar li { margin-bottom: 0.3rem; }
.related-sidebar a {
  font-size: 0.845rem;
  color: var(--text-mid);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.3rem 0;
  transition: color 0.2s;
}
.related-sidebar a::before { content: '→'; color: var(--gold); font-weight: 700; }
.related-sidebar a:hover { color: var(--navy); }

/* Form success */
.form-success {
  display: none;
  background: var(--green-bg);
  border: 1.5px solid #86EFAC;
  border-radius: 7px;
  padding: 0.85rem 1rem;
  color: #166534;
  font-size: 0.85rem;
  font-weight: 600;
  text-align: center;
  margin-top: 0.5rem;
}

/* ── FAQ ACCORDION ── */
.faq-section { background: var(--white); }
.faq-grid { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  margin-bottom: 0.65rem;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  padding: 1.1rem 1.35rem;
  background: var(--white);
  border: none;
  text-align: left;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: background 0.18s;
}
.faq-question:hover { background: var(--off-white); }
.faq-question.open { background: var(--navy); color: var(--white); }
.faq-chevron { width: 17px; height: 17px; flex-shrink: 0; stroke: currentColor; fill: none; stroke-width: 2.5; transition: transform 0.3s; }
.faq-question.open .faq-chevron { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-answer-inner {
  padding: 1.1rem 1.35rem;
  font-size: 0.875rem;
  color: var(--text-mid);
  line-height: 1.78;
  border-top: 1px solid var(--gray-light);
}

/* ── COVERAGE GRID ── */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(255px, 1fr));
  gap: 1.1rem;
}
.coverage-card {
  background: var(--white);
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 1.6rem;
  transition: all 0.22s;
  position: relative;
  overflow: hidden;
}
.coverage-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.22s;
}
.coverage-card:hover { border-color: rgba(201,151,58,0.4); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.coverage-card:hover::before { transform: scaleX(1); }
.coverage-icon { font-size: 1.65rem; margin-bottom: 0.8rem; display: block; }
.coverage-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 0.45rem; }
.coverage-card p { font-size: 0.825rem; color: var(--text-mid); line-height: 1.62; }
.coverage-link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: 0.85rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-dark);
  text-decoration: none;
}
.coverage-link:hover { color: var(--gold); }

/* ── TRADES GRID ── */
.trades-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(185px, 1fr));
  gap: 0.85rem;
}
.trade-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.3rem 1.1rem;
  text-align: center;
  transition: all 0.2s;
  border: 1.5px solid transparent;
  text-decoration: none;
  display: block;
}
.trade-card:hover { border-color: var(--gold); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.trade-emoji { font-size: 1.9rem; display: block; margin-bottom: 0.6rem; }
.trade-card h3 { font-size: 0.84rem; font-weight: 700; color: var(--navy); margin-bottom: 0.2rem; }
.trade-card p { font-size: 0.71rem; color: var(--text-mid); line-height: 1.4; }

/* ── WHY SECTION ── */
.why-section { background: var(--navy); }
.why-section .section-tag { color: var(--gold-light); }
.why-section .section-header h2 { color: var(--white); }
.why-section .section-header p { color: rgba(255,255,255,0.68); }
.why-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(245px, 1fr)); gap: 1.1rem; }
.why-card {
  background: rgba(255,255,255,0.055);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 1.6rem;
  transition: background 0.2s;
}
.why-card:hover { background: rgba(255,255,255,0.09); }
.why-card-icon { font-size: 1.65rem; margin-bottom: 0.85rem; }
.why-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--gold); margin-bottom: 0.45rem; }
.why-card p { font-size: 0.84rem; color: rgba(255,255,255,0.7); line-height: 1.68; }

/* ── HOW IT WORKS ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 38px;
  left: calc(16.66% + 1.5rem);
  right: calc(16.66% + 1.5rem);
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}
.step { text-align: center; }
.step-num {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-size: 1.7rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.1rem;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 3px var(--gold), var(--shadow-md);
  position: relative;
  z-index: 1;
}
.step h3 { font-size: 0.98rem; font-weight: 700; color: var(--navy); margin-bottom: 0.45rem; }
.step p { font-size: 0.85rem; color: var(--text-mid); line-height: 1.65; max-width: 230px; margin: 0 auto; }
.step-time {
  display: inline-block;
  margin-top: 0.7rem;
  font-size: 0.71rem;
  font-weight: 700;
  color: var(--gold-dark);
  background: rgba(201,151,58,0.1);
  padding: 0.25rem 0.65rem;
  border-radius: 100px;
}

/* ── QUOTE FORM ── */
.quote-section { background: var(--off-white); }
.quote-wrap {
  display: grid;
  grid-template-columns: 1fr 540px;
  gap: 3rem;
  align-items: start;
}
.quote-left .section-tag { text-align: left; display: block; }
.quote-left h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 2.2vw, 1.85rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 0.85rem;
}
.quote-left > p { color: var(--text-mid); line-height: 1.72; margin-bottom: 1.4rem; font-size: 0.93rem; }
.call-box {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 1.4rem;
}
.call-box h4 {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 0.3rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.call-box p { font-size: 0.78rem; color: rgba(255,255,255,0.65); margin-bottom: 0.5rem; }
.phone-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--white);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.phone-link:hover { color: var(--gold); }
.quote-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-light);
}
.quote-form-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem;
  font-weight: 900;
  color: var(--navy);
  margin-bottom: 0.2rem;
}
.quote-form-card > p { color: var(--text-mid); font-size: 0.8rem; margin-bottom: 1.4rem; }
.form-group { margin-bottom: 0.8rem; }
.form-group label {
  display: block;
  font-size: 0.745rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 0.3rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.6rem 0.82rem;
  border: 1.5px solid var(--gray-light);
  border-radius: 7px;
  font-size: 0.86rem;
  font-family: inherit;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s;
  appearance: none;
  -webkit-appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 14px;
  padding-right: 2.2rem;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,151,58,0.14); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.6rem; }
.form-submit-btn {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.88rem;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  margin-top: 0.25rem;
  transition: all 0.2s;
  font-family: inherit;
}
.form-submit-btn:hover { background: var(--gold-light); transform: translateY(-1px); }
.form-privacy { text-align: center; font-size: 0.68rem; color: var(--gray-mid); margin-top: 0.6rem; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--gold-dark) 0%, var(--gold) 60%, var(--gold-light) 100%);
  padding: 4rem 1.5rem;
  text-align: center;
}
.cta-banner h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 2.8vw, 2rem);
  font-weight: 900;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.cta-banner p {
  font-size: 0.95rem;
  color: rgba(27,43,75,0.78);
  margin-bottom: 1.75rem;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.68;
}
.cta-btns { display: flex; gap: 0.85rem; justify-content: center; flex-wrap: wrap; }

/* ── CARRIER BAR ── */
.carriers-bar {
  background: var(--white);
  padding: 1.75rem 1.5rem;
  border-bottom: 1px solid var(--gray-light);
}
.carriers-inner { max-width: 1200px; margin: 0 auto; }
.carriers-label {
  text-align: center;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gray-mid);
  margin-bottom: 1.1rem;
}
.carriers-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.75rem;
  flex-wrap: wrap;
}
.carrier-pill {
  font-size: 0.79rem;
  font-weight: 700;
  color: var(--gray-dark);
  opacity: 0.62;
  padding: 0.3rem 0.75rem;
  border: 1.5px solid var(--gray-light);
  border-radius: 100px;
  transition: opacity 0.2s;
}
.carrier-pill:hover { opacity: 1; }

/* ── FOOTER ── */
footer {
  background: #0C1A30;
  color: rgba(255,255,255,0.65);
  padding: 3.5rem 1.5rem 2rem;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.25rem;
  margin-bottom: 2.25rem;
}
.footer-brand-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 900;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 0.7rem;
  display: block;
}
.footer-brand-name .accent { color: var(--gold); }
.footer-brand p { font-size: 0.79rem; line-height: 1.72; max-width: 265px; margin-bottom: 0.85rem; }
.footer-license { font-size: 0.7rem; color: rgba(255,255,255,0.33); line-height: 1.5; }
.footer-col h4 {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 0.85rem;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.4rem; }
.footer-col a { color: rgba(255,255,255,0.52); text-decoration: none; font-size: 0.81rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.4rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.73rem;
  color: rgba(255,255,255,0.32);
  flex-wrap: wrap;
  gap: 0.5rem;
}
.footer-bottom a { color: rgba(255,255,255,0.32); text-decoration: none; }
.footer-bottom a:hover { color: rgba(255,255,255,0.6); }

/* ── STICKY MOBILE CALL ── */
.sticky-call {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.95rem;
  text-align: center;
  text-decoration: none;
  z-index: 300;
  border-top: 2px solid var(--gold-dark);
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
}

/* ── RESOURCES PAGE ── */
.resource-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(310px, 1fr));
  gap: 1.25rem;
}
.resource-card {
  background: var(--white);
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 1.6rem;
  text-decoration: none;
  display: block;
  transition: all 0.22s;
}
.resource-card:hover { border-color: var(--gold); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.resource-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold-dark);
  background: rgba(201,151,58,0.1);
  padding: 0.2rem 0.55rem;
  border-radius: 4px;
  margin-bottom: 0.65rem;
}
.resource-card h3 { font-size: 0.98rem; font-weight: 700; color: var(--navy); margin-bottom: 0.45rem; line-height: 1.3; }
.resource-card p { font-size: 0.82rem; color: var(--text-mid); line-height: 1.6; }
.resource-link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: 0.85rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-dark);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .article-layout { grid-template-columns: 1fr 300px; gap: 2rem; }
  .quote-wrap { grid-template-columns: 1fr 460px; }
}
@media (max-width: 860px) {
  .article-layout { grid-template-columns: 1fr; padding: 2.5rem 1.25rem; }
  .article-sidebar { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
  .quote-wrap { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .main-nav { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 600px) {
  section { padding: 3rem 1.1rem; }
  .page-hero { padding: 2.5rem 1.1rem; }
  .trust-bar-inner { gap: 0.85rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .top-bar-inner { flex-direction: column; gap: 0.2rem; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .article-sidebar { grid-template-columns: 1fr; }
  .sticky-call { display: flex; }
  body { padding-bottom: 54px; }
  .hero-stats { flex-wrap: wrap; gap: 1.25rem; }
}