/* ========================================
   AMERICAN ATLAS INSURANCE GROUP
   Master Stylesheet
   ======================================== */

/* Fonts: Fraunces (display serif) + Inter Tight (body) */
@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,300;9..144,400;9..144,500;9..144,600&family=Inter+Tight:wght@300;400;500;600&display=swap');

/* ========================================
   DESIGN TOKENS
   ======================================== */
:root {
  /* Colors */
  --navy: #0A1F3D;
  --navy-deep: #061429;
  --navy-soft: #1a3358;
  --gold: #C9A961;
  --gold-bright: #D9BC75;
  --gold-deep: #9F8345;
  --ivory: #F8F5EE;
  --ivory-warm: #F2EDE0;
  --charcoal: #1C1C1A;
  --charcoal-soft: #3A3A36;
  --muted: #6B6B66;
  --line: rgba(28, 28, 26, 0.12);
  --line-gold: rgba(201, 169, 97, 0.3);

  /* Typography */
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter Tight', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Spacing */
  --container: 1240px;
  --container-narrow: 880px;
  --gutter: clamp(1.5rem, 4vw, 3rem);

  /* Motion */
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--charcoal);
  background: var(--ivory);
  font-weight: 400;
  overflow-x: hidden;
}

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

a { color: inherit; text-decoration: none; transition: color 0.3s var(--ease); }

::selection { background: var(--navy); color: var(--ivory); }

/* ========================================
   TYPOGRAPHY
   ======================================== */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 400;
  letter-spacing: -0.015em;
  line-height: 1.15;
  color: var(--navy);
}

h1 { font-size: clamp(2.5rem, 6vw, 4.5rem); font-weight: 300; letter-spacing: -0.03em; }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.875rem); }
h4 { font-size: 1.25rem; font-weight: 500; }

p { margin-bottom: 1.25rem; max-width: 65ch; }
p:last-child { margin-bottom: 0; }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 1.5rem;
  display: inline-block;
}

.lead {
  font-family: var(--font-display);
  font-size: clamp(1.15rem, 2vw, 1.4rem);
  font-weight: 300;
  line-height: 1.5;
  color: var(--charcoal-soft);
  letter-spacing: -0.01em;
  max-width: 60ch;
}

.serif-italic { font-family: var(--font-display); font-style: italic; font-weight: 400; }

/* ========================================
   LAYOUT
   ======================================== */
.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 var(--gutter); }

section { padding: clamp(4rem, 8vw, 7rem) 0; }
.section-tight { padding: clamp(3rem, 6vw, 5rem) 0; }

/* ========================================
   COMPASS ROSE — signature graphic element
   ======================================== */
.compass {
  width: 32px;
  height: 32px;
  display: inline-block;
  vertical-align: middle;
  color: var(--gold);
}

.divider-compass {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  margin: 3rem 0;
}
.divider-compass::before,
.divider-compass::after {
  content: '';
  flex: 1;
  max-width: 100px;
  height: 1px;
  background: var(--line-gold);
}
.divider-compass .compass { width: 24px; height: 24px; }

/* ========================================
   NAVIGATION
   ======================================== */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(248, 245, 238, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
  transition: all 0.4s var(--ease);
}
.nav-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0.85rem var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.nav-logo { display: flex; align-items: center; gap: 0.75rem; }
.nav-logo img { height: 64px; width: auto; }
.nav-logo-text {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: 0.01em;
  line-height: 1.1;
}
.nav-logo-text small {
  display: block;
  font-family: var(--font-body);
  font-size: 0.65rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 500;
  margin-top: 2px;
}

.nav-menu { display: flex; align-items: center; gap: 2.25rem; list-style: none; }
.nav-menu a {
  font-size: 0.92rem;
  font-weight: 400;
  color: var(--charcoal);
  position: relative;
  padding: 0.25rem 0;
}
.nav-menu a::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 1px;
  background: var(--gold);
  transition: width 0.3s var(--ease);
}
.nav-menu a:hover { color: var(--navy); }
.nav-menu a:hover::after { width: 100%; }

.nav-cta {
  background: var(--navy);
  color: var(--ivory);
  padding: 0.7rem 1.4rem;
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  border: 1px solid var(--navy);
  transition: all 0.3s var(--ease);
}
.nav-cta:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--navy);
}
.nav-toggle svg { width: 28px; height: 28px; }

.nav-mobile {
  display: none;
}

@media (max-width: 900px) {
  .nav-menu, .nav-cta { display: none; }
  .nav-toggle { display: block; position: relative; z-index: 102; }

  /* Mobile menu — solid full-screen overlay */
  .nav-mobile {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100vw;
    height: 100vh;
    height: 100dvh; /* dynamic viewport height for iOS */
    background-color: #F8F5EE;
    background: #F8F5EE;
    padding: 6rem 1.5rem 8rem;
    flex-direction: column;
    gap: 0;
    z-index: 9999;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
  .nav-mobile.open {
    display: flex;
  }
  .nav-mobile a {
    font-family: var(--font-display);
    font-size: 1.4rem;
    color: var(--navy);
    padding: 1rem 0;
    border-bottom: 1px solid var(--line);
    background: transparent;
    width: 100%;
    display: block;
  }
  .nav-mobile a:last-child {
    border-bottom: none;
  }
  .nav-mobile .nav-cta {
    margin-top: 1.5rem;
    text-align: center;
    background: var(--navy);
    color: var(--ivory);
    font-family: var(--font-body);
    font-size: 0.85rem;
    font-weight: 500;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 1rem;
    border-bottom: none;
  }

  /* Lock body scroll when menu is open */
  body.menu-open {
    overflow: hidden;
    position: fixed;
    width: 100%;
  }
}

/* ========================================
   BUTTONS
   ======================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 1rem 2rem;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: 1px solid;
  cursor: pointer;
  transition: all 0.4s var(--ease);
  white-space: nowrap;
}

.btn-primary {
  background: var(--navy);
  color: var(--ivory);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--ivory);
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--navy);
  color: var(--ivory);
  border-color: var(--navy);
}

.btn-ghost-light {
  background: transparent;
  color: var(--ivory);
  border-color: rgba(248, 245, 238, 0.4);
}
.btn-ghost-light:hover {
  background: var(--ivory);
  color: var(--navy);
  border-color: var(--ivory);
}

.btn-row { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.5rem; }

/* ========================================
   HERO (homepage) — pure typography
   ======================================== */
.hero {
  min-height: 92vh;
  display: flex;
  align-items: center;
  position: relative;
  padding: 8rem 0 4rem;
  background: var(--ivory);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.06) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(10, 31, 61, 0.04) 0%, transparent 50%);
  pointer-events: none;
}
.hero-grid-bg {
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    linear-gradient(var(--line) 1px, transparent 1px),
    linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 80px 80px;
  opacity: 0.4;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.hero-meta {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2.5rem;
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.hero-meta::after {
  content: '';
  flex: 1;
  max-width: 200px;
  height: 1px;
  background: var(--line-gold);
}

.hero h1 {
  font-size: clamp(3rem, 8vw, 6.5rem);
  font-weight: 300;
  letter-spacing: -0.04em;
  line-height: 1.02;
  margin-bottom: 2.5rem;
  max-width: 14ch;
}
.hero h1 em {
  font-style: italic;
  font-weight: 400;
  color: var(--gold-deep);
}
.hero-sub {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 2.2vw, 1.55rem);
  font-weight: 300;
  line-height: 1.5;
  color: var(--charcoal-soft);
  max-width: 55ch;
  margin-bottom: 0.5rem;
}

.hero-stats {
  margin-top: 4rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--line);
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
}
.hero-stat {
  font-family: var(--font-body);
}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 300;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 0.5rem;
  letter-spacing: -0.03em;
}
.hero-stat-num em {
  font-size: 1rem;
  color: var(--gold-deep);
  font-style: normal;
  margin-left: 0.25rem;
}
.hero-stat-label {
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}

/* ========================================
   TRUST BAR
   ======================================== */
.trust-bar {
  background: var(--navy);
  color: var(--ivory);
  padding: 1.5rem 0;
  position: relative;
}
.trust-bar::before, .trust-bar::after {
  content: '';
  position: absolute;
  left: 0; right: 0;
  height: 1px;
  background: var(--gold);
}
.trust-bar::before { top: 0; }
.trust-bar::after { bottom: 0; }
.trust-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 2.5rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
.trust-item { display: flex; align-items: center; gap: 0.6rem; }
.trust-item::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--gold);
  transform: rotate(45deg);
}

/* ========================================
   COVERAGE GRID
   ======================================== */
.section-coverage { background: var(--ivory); }
.section-header { text-align: center; margin-bottom: 4rem; max-width: 720px; margin-left: auto; margin-right: auto; }
.section-header h2 { margin-bottom: 1.5rem; }
.section-header p { margin-left: auto; margin-right: auto; color: var(--charcoal-soft); }

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 1px;
  background: var(--line);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.coverage-card {
  background: var(--ivory);
  padding: 2.5rem 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  position: relative;
  transition: all 0.5s var(--ease);
  text-decoration: none;
  color: inherit;
}
.coverage-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 0.5s var(--ease);
}
.coverage-card:hover { background: var(--ivory-warm); }
.coverage-card:hover::before { width: 100%; }
.coverage-card .compass {
  width: 28px;
  height: 28px;
  margin-bottom: 0.5rem;
}
.coverage-card h3 {
  font-size: 1.45rem;
  margin-bottom: 0.25rem;
}
.coverage-card p {
  font-size: 0.95rem;
  color: var(--charcoal-soft);
  margin-bottom: 1rem;
}
.coverage-card .arrow {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transition: gap 0.3s var(--ease);
}
.coverage-card:hover .arrow { gap: 0.9rem; color: var(--navy); }
.coverage-card .arrow svg { width: 14px; height: 14px; }

/* ========================================
   WHY US — alternating layout
   ======================================== */
.section-why { background: var(--navy); color: var(--ivory); position: relative; }
.section-why::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.section-why h2 { color: var(--ivory); }
.section-why .eyebrow { color: var(--gold); }
.section-why .section-header p { color: rgba(248, 245, 238, 0.75); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 0;
  margin-top: 3rem;
}
.why-item {
  padding: 2.5rem 2rem;
  border-left: 1px solid rgba(201, 169, 97, 0.2);
  position: relative;
}
.why-item:first-child { border-left: none; }
.why-num {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 400;
  font-style: italic;
  color: var(--gold);
  margin-bottom: 1.5rem;
  display: block;
}
.why-item h3 {
  color: var(--ivory);
  font-size: 1.4rem;
  margin-bottom: 1rem;
  font-weight: 400;
}
.why-item p {
  color: rgba(248, 245, 238, 0.8);
  font-size: 0.95rem;
  line-height: 1.7;
}

@media (max-width: 700px) {
  .why-item { border-left: none; border-top: 1px solid rgba(201, 169, 97, 0.2); }
  .why-item:first-child { border-top: none; }
}

/* ========================================
   STATEWIDE EDITORIAL BLOCK
   ======================================== */
.section-statewide { background: var(--ivory-warm); }
.statewide-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.statewide-text h2 { margin-bottom: 1.75rem; }
.statewide-cities {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 0;
  margin-top: 2rem;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-style: italic;
  color: var(--gold-deep);
}
.statewide-cities span:not(:last-child)::after {
  content: '·';
  margin: 0 0.7rem;
  color: var(--line-gold);
}

.statewide-visual {
  position: relative;
  aspect-ratio: 1/1;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.statewide-visual::before {
  content: '';
  position: absolute;
  inset: 1.5rem;
  border: 1px solid var(--gold);
  pointer-events: none;
}
.fl-outline {
  width: 82%;
  height: auto;
  color: var(--gold);
  opacity: 0.95;
}

@media (max-width: 800px) {
  .statewide-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .statewide-visual { aspect-ratio: 1/1; max-width: 480px; margin: 0 auto; }
}

/* ========================================
   HOW IT WORKS
   ======================================== */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}
.step {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.step-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 300;
  color: var(--gold);
  line-height: 1;
  font-style: italic;
  letter-spacing: -0.05em;
  opacity: 0.9;
  display: block;
  margin-bottom: 1rem;
}
.step h3 {
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
  font-weight: 500;
}
.step p { font-size: 0.95rem; color: var(--charcoal-soft); }

/* ========================================
   FAQ
   ======================================== */
.section-faq { background: var(--ivory); }
.faq-list { max-width: 820px; margin: 3rem auto 0; }
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 1.75rem 3rem 1.75rem 0;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
  position: relative;
  display: block;
  transition: color 0.3s var(--ease);
}
.faq-q::after {
  content: '+';
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--gold);
  font-weight: 300;
  transition: transform 0.3s var(--ease);
}
.faq-item.open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-q:hover { color: var(--gold-deep); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease), padding 0.4s var(--ease);
}
.faq-a-inner {
  padding: 0 0 2rem 0;
  color: var(--charcoal-soft);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 65ch;
}
.faq-item.open .faq-a { max-height: 500px; }

/* ========================================
   CTA SECTION
   ======================================== */
.section-cta {
  background: var(--navy);
  color: var(--ivory);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.section-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 30% 50%, rgba(201, 169, 97, 0.1) 0%, transparent 50%);
  pointer-events: none;
}
.cta-inner { position: relative; z-index: 2; }
.section-cta h2 { color: var(--ivory); margin-bottom: 1rem; }
.section-cta .lead { color: rgba(248, 245, 238, 0.85); margin: 0 auto 2.5rem; }
.section-cta .btn-row { justify-content: center; }

/* ========================================
   FOOTER
   ======================================== */
footer {
  background: var(--navy-deep);
  color: rgba(248, 245, 238, 0.75);
  padding: 5rem 0 2rem;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid rgba(201, 169, 97, 0.15);
}
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .footer-brand { grid-column: 1 / -1; }
}
.footer-brand-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--ivory);
  margin-bottom: 0.5rem;
}
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 32ch; margin-bottom: 0.75rem; }
.footer-license {
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  color: var(--gold);
  text-transform: uppercase;
  margin-top: 1rem;
}

.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.6rem; }
.footer-col a { color: rgba(248, 245, 238, 0.75); transition: color 0.3s var(--ease); }
.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  padding-top: 2rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.78rem;
  color: rgba(248, 245, 238, 0.5);
}

/* Social links in footer */
.footer-social {
  display: flex;
  gap: 1rem;
  align-items: center;
  margin-top: 1.25rem;
}
.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border: 1px solid rgba(201, 169, 97, 0.3);
  color: rgba(248, 245, 238, 0.65);
  transition: all 0.3s var(--ease);
}
.footer-social a:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.footer-social svg {
  width: 16px;
  height: 16px;
}

/* ========================================
   REUSABLE: page hero (non-homepage)
   ======================================== */
.page-hero {
  padding: 10rem 0 5rem;
  background: var(--ivory);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(201, 169, 97, 0.05) 0%, transparent 50%);
  pointer-events: none;
}
.page-hero-inner { position: relative; z-index: 2; max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.page-hero h1 {
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 300;
  margin-bottom: 1.5rem;
  max-width: 16ch;
}
.page-hero .lead { max-width: 60ch; }

/* ========================================
   COVERAGE PAGE LAYOUT
   ======================================== */
/* ========================================
   ABOUT — Leadership card
   ======================================== */
.leadership-card {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 2.5rem;
  margin: 2.5rem 0 3rem;
  padding: 2rem 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  align-items: start;
}
@media (max-width: 700px) {
  .leadership-card { grid-template-columns: 1fr; gap: 1.5rem; }
}
.leadership-photo {
  width: 200px;
  height: 200px;
}
.placeholder-portrait {
  width: 100%;
  height: 100%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  border: 1px solid var(--gold);
}
.placeholder-portrait::before {
  content: '';
  position: absolute;
  inset: 8px;
  border: 1px solid rgba(201, 169, 97, 0.4);
}
.placeholder-portrait .initials {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 300;
  color: var(--gold);
  letter-spacing: 0.05em;
  z-index: 2;
}
.leadership-info p { margin-bottom: 0.8rem; }
.leadership-name {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 0.25rem !important;
  font-weight: 400;
}
.leadership-title {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 1.5rem !important;
}
.leadership-license {
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-top: 1.5rem !important;
}

/* ========================================
   CONTACT
   ======================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 4rem;
  margin: 2rem 0 4rem;
}
@media (max-width: 800px) {
  .contact-grid { grid-template-columns: 1fr; gap: 3rem; }
}
.contact-block h2,
.contact-form-block h2 {
  margin: 0 0 2rem !important;
  padding-top: 0 !important;
}
.contact-block h2::before,
.contact-form-block h2::before {
  display: none !important;
}
.contact-detail {
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--line);
}
.contact-detail:first-of-type { border-top: 1px solid var(--line); }
.contact-label {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 0.5rem;
}
.contact-value {
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--navy);
  font-weight: 400;
  line-height: 1.4;
  display: block;
}
a.contact-value:hover { color: var(--gold-deep); }
.contact-form-block .form { margin: 0; }

/* ========================================
   CARRIER + REVIEW PLACEHOLDERS
   ======================================== */
.carrier-placeholder,
.reviews-placeholder {
  background: var(--ivory-warm);
  padding: 2.5rem;
  margin: 2rem 0;
  border: 1px dashed var(--line-gold);
}

/* ========================================
   THANKS PAGE
   ======================================== */
.thanks-mark {
  width: 100px;
  height: 100px;
  margin: 0 auto;
  color: var(--gold);
}
.thanks-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin: 3rem auto 0;
  max-width: 640px;
  padding-top: 2.5rem;
  border-top: 1px solid var(--line);
}
@media (max-width: 600px) {
  .thanks-steps { grid-template-columns: 1fr; }
}
.thanks-step {
  text-align: center;
  padding: 1rem;
}
.thanks-step p {
  font-size: 0.92rem;
  color: var(--charcoal-soft);
  margin: 0.75rem 0 0;
}
.thanks-num {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-style: italic;
  color: var(--gold);
}

.coverage-content { background: var(--ivory); }
.coverage-content .container-narrow {
  padding-top: 4rem;
  padding-bottom: 4rem;
}
.coverage-content h2 {
  margin: 3rem 0 1.5rem;
  padding-top: 1rem;
  position: relative;
}
.coverage-content h2::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 40px;
  height: 1px;
  background: var(--gold);
}
.coverage-content h3 {
  margin: 2.5rem 0 0.75rem;
  font-size: 1.3rem;
  font-weight: 500;
  color: var(--navy);
}
.coverage-content p { margin-bottom: 1.25rem; line-height: 1.75; }
.coverage-content strong { color: var(--navy); font-weight: 500; }
.coverage-content ul {
  list-style: none;
  padding: 0;
  margin-bottom: 1.5rem;
}
.coverage-content ul li {
  padding-left: 1.5rem;
  position: relative;
  margin-bottom: 0.75rem;
  line-height: 1.7;
}
.coverage-content ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 8px;
  height: 1px;
  background: var(--gold);
}

.coverage-items {
  margin: 2rem 0 !important;
}
.coverage-items li {
  padding: 1rem 0 1rem 1.75rem !important;
  border-bottom: 1px solid var(--line);
  margin-bottom: 0 !important;
  line-height: 1.65;
}
.coverage-items li:first-child { border-top: 1px solid var(--line); }
.coverage-items li::before {
  top: 1.45em !important;
  width: 12px !important;
  background: var(--gold) !important;
}
.coverage-items li strong {
  display: inline-block;
  margin-right: 0.5em;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 0;
  margin-top: 2.5rem;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.feature-item {
  padding: 2rem 1.5rem;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.feature-item:last-child { border-right: none; }
.feature-item h4 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.75rem !important;
}
.feature-item h4::before { display: none !important; }
.feature-item p {
  font-size: 0.95rem;
  color: var(--charcoal-soft);
  line-height: 1.65;
  margin-bottom: 0;
}

@media (max-width: 700px) {
  .feature-item { border-right: none; }
}

.coverage-hero-image {
  margin-top: 3rem;
  width: 100%;
  aspect-ratio: 21/9;
  background: var(--navy);
  background-size: cover;
  background-position: center;
  position: relative;
}
.coverage-hero-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10, 31, 61, 0.3), rgba(10, 31, 61, 0.6));
}

/* ========================================
   FORMS
   ======================================== */
.form {
  background: var(--ivory);
  border: 1px solid var(--line);
  padding: clamp(2rem, 4vw, 3.5rem);
  max-width: 720px;
  margin: 3rem auto 0;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.25rem;
}
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }
.form-field { display: flex; flex-direction: column; }
.form-field label {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 0.5rem;
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--line);
  background: var(--ivory);
  color: var(--charcoal);
  transition: border-color 0.3s var(--ease);
}
.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: 120px; }
.form-checkbox-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.5rem;
}
.form-chip {
  display: inline-flex;
  align-items: center;
  padding: 0.55rem 1rem;
  border: 1px solid var(--line);
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  background: transparent;
  user-select: none;
}
.form-chip input { display: none; }
.form-chip:hover { border-color: var(--gold); }
.form-chip.selected,
.form-chip:has(input:checked) {
  background: var(--navy);
  color: var(--ivory);
  border-color: var(--navy);
}
.form-submit {
  margin-top: 1.5rem;
  width: 100%;
}
.form-disclaimer {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 1.25rem;
  line-height: 1.6;
}

/* ========================================
   STICKY MOBILE CTA (bottom of viewport on mobile only)
   ======================================== */
.mobile-sticky-cta {
  display: none;
}

@media (max-width: 900px) {
  .mobile-sticky-cta {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 90;
    background: var(--navy);
    border-top: 1px solid var(--gold);
    padding: 0.75rem;
    gap: 0.5rem;
    box-shadow: 0 -2px 12px rgba(10, 31, 61, 0.15);
  }
  .mobile-sticky-cta a {
    flex: 1;
    text-align: center;
    padding: 0.85rem 0.5rem;
    font-family: var(--font-body);
    font-size: 0.78rem;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    border: 1px solid;
    transition: all 0.3s var(--ease);
  }
  .mobile-sticky-cta a.primary {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
  }
  .mobile-sticky-cta a.secondary {
    background: transparent;
    color: var(--ivory);
    border-color: rgba(248, 245, 238, 0.4);
  }
  /* Add padding to footer so sticky CTA doesn't cover it */
  footer {
    padding-bottom: 6rem !important;
  }
  /* Hide sticky CTA on the thanks page (no point) */
  body.no-sticky-cta .mobile-sticky-cta {
    display: none;
  }
}

/* ========================================
   STICKY MOBILE CTA END
   ======================================== */

/* ========================================
   ANIMATIONS
   ======================================== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.reveal {
  opacity: 0;
  animation: fadeUp 0.9s var(--ease) forwards;
}
.delay-1 { animation-delay: 0.15s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.45s; }
.delay-4 { animation-delay: 0.6s; }
.delay-5 { animation-delay: 0.75s; }
.delay-6 { animation-delay: 0.9s; }