/* ===== SELF-HOSTED FONTS (variable, Latin subset, WOFF2) ===== */
    @font-face { font-family: 'Playfair Display'; font-style: normal; font-weight: 400 900; font-display: swap; src: url('/fonts/PlayfairDisplay.woff2') format('woff2'); }
    @font-face { font-family: 'Playfair Display'; font-style: italic; font-weight: 400 900; font-display: swap; src: url('/fonts/PlayfairDisplay-Italic.woff2') format('woff2'); }
    @font-face { font-family: 'Source Sans 3'; font-style: normal; font-weight: 200 900; font-display: swap; src: url('/fonts/SourceSans3.woff2') format('woff2'); }
    @font-face { font-family: 'Source Sans 3'; font-style: italic; font-weight: 200 900; font-display: swap; src: url('/fonts/SourceSans3-Italic.woff2') format('woff2'); }
.wt-social:hover { background: var(--gold) !important; }
    /* ===== CSS RESET & VARIABLES ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --navy:       #1B2A4A;
      --cobalt:     #2B4C7E;
      --gold:       #B8A42A;
      --gold-dark:  #9A8820;
      --gold-light: #D4C240;
      --cream:      #F9F7F1;
      --cream-dark: #F0EDE3;
      --white:      #FFFFFF;
      --gray-soft:  #EAE7DC;
      --gray-mid:   #8E8B7E;
      --text-dark:  #1B2A4A;
      --text-mid:   #4A5568;
      --font-serif: 'Playfair Display', Georgia, serif;
      --font-sans:  'Source Sans 3', Arial, sans-serif;
      --shadow-sm:  0 2px 8px rgba(27,42,74,0.08);
      --shadow-md:  0 6px 24px rgba(27,42,74,0.12);
      --shadow-lg:  0 16px 48px rgba(27,42,74,0.16);
      --radius:     6px;
      --radius-lg:  12px;
      --max-w:      1100px;
      --transition: 0.22s ease;
    }

    /* ===== BASE ===== */
    html { scroll-behavior: smooth; }
    body {
      font-family: var(--font-sans);
      color: var(--text-dark);
      background: var(--white);
      font-size: 17px;
      line-height: 1.72;
      -webkit-font-smoothing: antialiased;
    }
    img { max-width: 100%; height: auto; display: block; }
    a { color: var(--cobalt); text-decoration: none; transition: color var(--transition); }
    a:hover { color: var(--gold-dark); }
    h1, h2, h3, h4 {
      font-family: var(--font-serif);
      color: var(--navy);
      line-height: 1.25;
    }
    h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
    h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 600; }
    h3 { font-size: 1.25rem; font-weight: 600; }
    p { margin-bottom: 1em; }

    /* ===== LAYOUT ===== */
    .container { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
    .section { padding: 5rem 0; }
    .section-alt { background: var(--cream); }
    .section-navy { background: var(--navy); color: var(--white); }
    .section-navy h1, .section-navy h2, .section-navy h3 { color: var(--white); }

    /* ===== BUTTONS ===== */
    .btn {
      display: inline-block;
      font-family: var(--font-sans);
      font-weight: 700;
      font-size: 0.95rem;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      padding: 0.85em 2em;
      border-radius: var(--radius);
      cursor: pointer;
      border: 2px solid transparent;
      transition: all var(--transition);
    }
    .btn-gold {
      background: var(--gold);
      color: var(--navy);
      border-color: var(--gold);
    }
    .btn-gold:hover {
      background: var(--gold-dark);
      border-color: var(--gold-dark);
      color: var(--navy);
      transform: translateY(-1px);
      box-shadow: var(--shadow-md);
    }
    .btn-outline {
      background: transparent;
      color: var(--white);
      border-color: var(--white);
    }
    .btn-outline:hover {
      background: var(--white);
      color: var(--navy);
    }
    .btn-navy {
      background: var(--navy);
      color: var(--white);
      border-color: var(--navy);
    }
    .btn-navy:hover {
      background: var(--cobalt);
      border-color: var(--cobalt);
      color: var(--white);
      transform: translateY(-1px);
    }

    /* ===== HEADER / NAV ===== */
    #site-header {
      position: sticky;
      top: 0;
      z-index: 1000;
      background: var(--white);
      border-bottom: 2px solid var(--gold);
      box-shadow: var(--shadow-sm);
    }
    .header-inner {
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 0 2rem;
      display: flex;
      align-items: center;
      justify-content: space-between;
      height: 80px;
    }
    .logo-wrap img {
      height: 54px;
      width: auto;
    }
    /* ── NAV LINKS (top-level) ── */
    .nav-links {
      display: flex;
      align-items: center;
      gap: 0.15rem;
      list-style: none;
      position: relative;
    }
    .nav-links > li {
      position: relative;
    }
    .nav-links > li > a {
      display: block;
      font-weight: 600;
      font-size: 0.9rem;
      color: var(--navy);
      letter-spacing: 0.02em;
      padding: 0.45em 0.85em;
      border-radius: var(--radius);
      border-bottom: none;
      white-space: nowrap;
      transition: all var(--transition);
    }
    .nav-links > li > a:hover {
      color: var(--cobalt);
      background: var(--cream);
    }
    /* Dropdown caret on items that have one */
    .nav-links > li.has-dropdown > a::after {
      content: '\25BE';
      margin-left: 4px;
      font-size: 0.68em;
      opacity: 0.65;
      vertical-align: middle;
    }
    /* CTA button */
    .nav-links .nav-cta {
      background: var(--gold);
      color: var(--navy) !important;
      padding: 0.55em 1.3em;
      border-radius: var(--radius);
      border-bottom: none !important;
      font-weight: 700;
      font-size: 0.88rem;
    }
    .nav-links .nav-cta:hover {
      background: var(--gold-dark);
      transform: translateY(-1px);
      box-shadow: var(--shadow-sm);
    }
    /* ── DROPDOWN PANEL ── */
    .nav-dropdown {
      display: none;
      position: absolute;
      top: calc(100% + 4px);
      left: 0;
      min-width: 230px;
      background: var(--white);
      border: 1px solid var(--gray-soft);
      border-radius: var(--radius-lg);
      box-shadow: 0 8px 32px rgba(27,42,74,0.14);
      padding: 0.5rem 0;
      z-index: 2000;
      animation: dropFade 0.15s ease;
    }
    @keyframes dropFade {
      from { opacity: 0; transform: translateY(-6px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .nav-links > li.has-dropdown:hover .nav-dropdown,
    .nav-links > li.has-dropdown:focus-within .nav-dropdown {
      display: block;
    }
    /* Dropdown section labels */
    .nav-dropdown-label {
      display: block;
      padding: 0.55rem 1.1rem 0.2rem;
      font-size: 0.68rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.13em;
      color: var(--gray-mid);
    }
    /* Dropdown divider between groups */
    .nav-dropdown-divider {
      border: none;
      border-top: 1px solid var(--gray-soft);
      margin: 0.35rem 0;
    }
    /* Dropdown links */
    .nav-dropdown a {
      display: flex;
      align-items: center;
      gap: 0.6rem;
      padding: 0.55rem 1.1rem;
      font-size: 0.88rem;
      font-weight: 500;
      color: var(--text-dark);
      border-bottom: none;
      white-space: nowrap;
      transition: background var(--transition), color var(--transition);
    }
    .nav-dropdown a:hover {
      background: var(--cream);
      color: var(--cobalt);
    }
    /* Icon dot before each dropdown item */
    .nav-dropdown a::before {
      content: '';
      display: inline-block;
      width: 5px;
      height: 5px;
      border-radius: 50%;
      background: var(--gold);
      flex-shrink: 0;
    }
    /* Mobile nav toggle */
    .nav-toggle {
      display: none;
      flex-direction: column;
      gap: 5px;
      background: none;
      border: none;
      cursor: pointer;
      padding: 4px;
    }
    .nav-toggle span {
      display: block;
      width: 26px;
      height: 2px;
      background: var(--navy);
      border-radius: 2px;
      transition: all var(--transition);
    }

    /* ===== PAGES (SPA-style) ===== */
    .page { display: none; }
    .page.active { display: block; }

    /* ===== HERO ===== */
    .hero {
      background: linear-gradient(135deg, var(--navy) 0%, var(--cobalt) 60%, #3A5F9A 100%);
      color: var(--white);
      padding: 7rem 0 6rem;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      inset: 0;
      background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    }
    .hero-content { position: relative; z-index: 1; max-width: 680px; }
    .hero-eyebrow {
      font-family: var(--font-sans);
      font-size: 0.8rem;
      font-weight: 700;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--gold-light);
      margin-bottom: 1rem;
    }
    .hero h1 {
      color: var(--white);
      margin-bottom: 1.5rem;
    }
    .hero p { font-size: 1.15rem; color: rgba(255,255,255,0.85); margin-bottom: 2rem; max-width: 540px; }
    .hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; }
    .hero-trust {
      margin-top: 4rem;
      display: flex;
      gap: 3rem;
      flex-wrap: wrap;
    }
    .trust-item { display: flex; flex-direction: column; }
    .trust-num {
      font-family: var(--font-serif);
      font-size: 2.2rem;
      font-weight: 700;
      color: var(--gold-light);
      line-height: 1;
    }
    .trust-label {
      font-size: 0.82rem;
      color: rgba(255,255,255,0.65);
      text-transform: uppercase;
      letter-spacing: 0.1em;
      margin-top: 0.25rem;
    }

    /* ===== VALUE PROPS ===== */
    .value-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
      gap: 2rem;
      margin-top: 3rem;
    }
    .value-card {
      background: var(--white);
      border: 1px solid var(--gray-soft);
      border-radius: var(--radius-lg);
      padding: 2rem;
      box-shadow: var(--shadow-sm);
      transition: box-shadow var(--transition), transform var(--transition);
    }
    .value-card:hover {
      box-shadow: var(--shadow-md);
      transform: translateY(-3px);
    }
    .value-icon {
      width: 52px;
      height: 52px;
      background: var(--navy);
      border-radius: var(--radius);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 1.25rem;
    }
    .value-icon svg { width: 26px; height: 26px; fill: var(--gold); }
    .value-card h3 { margin-bottom: 0.5rem; color: var(--navy); }
    .value-card p { color: var(--text-mid); font-size: 0.97rem; margin: 0; }

    /* ===== COVERAGE CARDS ===== */
    .coverage-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 1.5rem;
      margin-top: 3rem;
    }
    .coverage-card {
      background: var(--white);
      border: 1px solid var(--gray-soft);
      border-left: 4px solid var(--gold);
      border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
      padding: 1.75rem 1.75rem 1.75rem 1.5rem;
      box-shadow: var(--shadow-sm);
      cursor: pointer;
      transition: all var(--transition);
    }
    .coverage-card:hover {
      border-left-color: var(--cobalt);
      box-shadow: var(--shadow-md);
      transform: translateX(3px);
    }
    .coverage-card h3 { margin-bottom: 0.4rem; font-size: 1.1rem; }
    .coverage-card p { color: var(--text-mid); font-size: 0.95rem; margin: 0; }
    .coverage-card .card-arrow {
      display: inline-block;
      margin-top: 1rem;
      font-size: 0.85rem;
      font-weight: 700;
      color: var(--cobalt);
      text-transform: uppercase;
      letter-spacing: 0.06em;
    }

    /* ===== STATES SECTION ===== */
    .states-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 2rem;
      margin-top: 3rem;
    }
    .state-card {
      background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.15);
      border-radius: var(--radius-lg);
      padding: 2.5rem;
    }
    .state-card h3 { color: var(--gold-light); font-size: 1.6rem; margin-bottom: 0.75rem; }
    .state-card p { color: rgba(255,255,255,0.75); margin-bottom: 1.5rem; font-size: 0.97rem; }
    .state-list { list-style: none; }
    .state-list li {
      color: rgba(255,255,255,0.85);
      padding: 0.35rem 0;
      font-size: 0.95rem;
      border-bottom: 1px solid rgba(255,255,255,0.07);
      display: flex;
      align-items: center;
      gap: 0.6rem;
    }
    .state-list li::before {
      content: '';
      display: inline-block;
      width: 6px;
      height: 6px;
      background: var(--gold);
      border-radius: 50%;
      flex-shrink: 0;
    }

    /* ===== INDUSTRIES ===== */
    .industries-row {
      display: flex;
      flex-wrap: wrap;
      gap: 1rem;
      margin-top: 2rem;
    }
    .industry-pill {
      background: var(--cream);
      border: 1px solid var(--gray-soft);
      border-radius: 100px;
      padding: 0.55em 1.3em;
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--navy);
      cursor: pointer;
      transition: all var(--transition);
    }
    .industry-pill:hover, .industry-pill.active {
      background: var(--navy);
      color: var(--white);
      border-color: var(--navy);
    }

    /* ===== SECTION HEADER ===== */
    .section-header { margin-bottom: 1rem; }
    .section-tag {
      display: inline-block;
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--gold-dark);
      margin-bottom: 0.75rem;
      background: var(--cream-dark);
      padding: 0.3em 0.8em;
      border-radius: 100px;
    }
    .section-navy .section-tag { background: rgba(255,255,255,0.1); color: var(--gold-light); }
    .section-sub {
      font-size: 1.05rem;
      color: var(--text-mid);
      max-width: 580px;
      margin-top: 0.75rem;
    }
    .section-navy .section-sub { color: rgba(255,255,255,0.7); }

    /* ===== CTA BANNER ===== */
    .cta-banner {
      background: var(--gold);
      padding: 4rem 0;
      text-align: center;
    }
    .cta-banner h2 { color: var(--navy); margin-bottom: 0.75rem; }
    .cta-banner p { color: var(--navy); opacity: 0.8; font-size: 1.05rem; max-width: 520px; margin: 0 auto 2rem; }

    /* ===== ABOUT PAGE ===== */
    .about-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 5rem;
      align-items: start;
    }
    .about-list { list-style: none; margin-top: 1.5rem; }
    .about-list li {
      padding: 1.1rem 0;
      border-bottom: 1px solid var(--gray-soft);
      display: grid;
      grid-template-columns: 44px 1fr;
      gap: 1rem;
      align-items: start;
    }
    .about-num {
      font-family: var(--font-serif);
      font-size: 1.5rem;
      font-weight: 700;
      color: var(--gold);
      line-height: 1.2;
    }
    .about-list h4 { margin-bottom: 0.25rem; font-size: 1rem; }
    .about-list p { color: var(--text-mid); font-size: 0.95rem; margin: 0; }
    .stat-boxes {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1.5rem;
    }
    .stat-box {
      background: var(--navy);
      border-radius: var(--radius-lg);
      padding: 2rem;
      text-align: center;
    }
    .stat-box .num {
      font-family: var(--font-serif);
      font-size: 2.5rem;
      font-weight: 700;
      color: var(--gold-light);
      display: block;
      line-height: 1;
    }
    .stat-box .lbl {
      font-size: 0.88rem;
      color: rgba(255,255,255,0.65);
      text-transform: uppercase;
      letter-spacing: 0.08em;
      margin-top: 0.5rem;
      display: block;
    }

    /* ===== FORMS ===== */
    .form-wrap {
      max-width: 660px;
      margin: 0 auto;
      background: var(--white);
      border-radius: var(--radius-lg);
      padding: 3rem;
      box-shadow: var(--shadow-md);
    }
    .form-row {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1.5rem;
    }
    .form-group { margin-bottom: 1.5rem; }
    .form-group label {
      display: block;
      font-weight: 700;
      font-size: 0.88rem;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      color: var(--navy);
      margin-bottom: 0.5rem;
    }
    /* Text-style controls ONLY. Scoped by type so checkboxes and radios never
       inherit width:100% / padding / appearance:none (which rendered them as
       empty text boxes inside every .form-group). */
    .form-group input[type="text"],
    .form-group input[type="email"],
    .form-group input[type="tel"],
    .form-group input[type="number"],
    .form-group input[type="date"],
    .form-group input[type="url"],
    .form-group input[type="search"],
    .form-group input[type="password"],
    .form-group input:not([type]),
    .form-group textarea,
    .form-group select {
      width: 100%;
      padding: 0.75rem 1rem;
      border: 1.5px solid var(--gray-soft);
      border-radius: var(--radius);
      font-family: var(--font-sans);
      font-size: 1rem;
      color: var(--text-dark);
      background: var(--white);
      transition: border-color var(--transition);
      appearance: none;
      -webkit-appearance: none;
    }
    .form-group input[type="text"]:focus,
    .form-group input[type="email"]:focus,
    .form-group input[type="tel"]:focus,
    .form-group input[type="number"]:focus,
    .form-group input[type="date"]:focus,
    .form-group input[type="url"]:focus,
    .form-group input[type="search"]:focus,
    .form-group input[type="password"]:focus,
    .form-group input:not([type]):focus,
    .form-group textarea:focus,
    .form-group select:focus {
      outline: none;
      border-color: var(--cobalt);
      box-shadow: 0 0 0 3px rgba(43,76,126,0.12);
    }
    .form-group textarea { min-height: 130px; resize: vertical; }

    /* Checkboxes + radios: native rendering restored, sized and aligned to the
       label text. Applies everywhere (Smart Intake, contact, SMS opt-in). */
    input[type="checkbox"],
    input[type="radio"] {
      appearance: auto;
      -webkit-appearance: auto;
      -moz-appearance: auto;
      width: 1.2rem;
      height: 1.2rem;
      padding: 0;
      margin: 0;
      border: 0;
      border-radius: 0;
      background: transparent;
      box-shadow: none;
      accent-color: var(--cobalt);
      cursor: pointer;
      flex-shrink: 0;
      vertical-align: middle;
      position: relative;
      top: -0.05em;          /* optical centring against the label's x-height */
    }
    input[type="checkbox"] { -webkit-appearance: checkbox; }
    input[type="radio"]    { -webkit-appearance: radio; border-radius: 50%; }
    input[type="checkbox"]:focus,
    input[type="radio"]:focus { box-shadow: none; }
    input[type="checkbox"]:focus-visible,
    input[type="radio"]:focus-visible { outline: 2px solid var(--cobalt); outline-offset: 2px; }
    /* inline Yes/No radio rows inside a .form-group */
    .form-group label:has(> input[type="radio"]),
    .form-group label:has(> input[type="checkbox"]) {
      display: inline-flex; align-items: center; gap: 0.45rem;
      text-transform: none; letter-spacing: 0; font-weight: 400;
      font-size: 0.95rem; color: var(--text-dark); margin: 0; cursor: pointer;
    }
    .form-success {
      background: #e8f5e9;
      border: 1px solid #a5d6a7;
      border-radius: var(--radius);
      padding: 1.25rem 1.5rem;
      color: #2e7d32;
      font-weight: 600;
      display: none;
    }
    .form-error {
      background: #fdecea;
      border: 1px solid #f5c2c0;
      border-radius: var(--radius);
      padding: 1rem 1.25rem;
      color: #b3261e;
      font-weight: 600;
      display: none;
      margin-bottom: 1.25rem;
    }
    .form-group input:not([type="checkbox"]):not([type="radio"])[aria-invalid="true"],
    .form-group select[aria-invalid="true"] { border-color: #b3261e; box-shadow: 0 0 0 3px rgba(179,38,30,0.12); }

    /* ===== SMART INTAKE FORM (.si-* tokens, brand-matched) ===== */
    /* Stage headers (Core Data / Coverage Routing / Underwriting) */
    .si-stage { margin-bottom: 2.5rem; }
    .si-stage-head {
      display: flex; align-items: center; gap: 0.75rem;
      margin-bottom: 1.25rem; padding-bottom: 0.6rem;
      border-bottom: 2px solid var(--gray-soft);
    }
    .si-stage-num {
      flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%;
      background: var(--navy); color: var(--gold-light);
      font-family: var(--font-serif); font-weight: 700; font-size: 0.95rem;
      display: flex; align-items: center; justify-content: center; line-height: 1;
    }
    .si-stage-head h3 { margin: 0; }
    .si-stage-sub {
      display: block; font-size: 0.82rem; color: var(--text-mid);
      font-weight: 400; text-transform: none; letter-spacing: 0; margin-top: 0.1rem;
    }
    /* Stage 2 — checkbox routing matrix */
    .si-cat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
    /* Stage 2 group headings (Business Insurance / Personal Insurance) */
    .si-group-title {
      font-family: var(--font-serif); font-size: 1.08rem; font-weight: 700;
      color: var(--cobalt); margin: 2rem 0 1.1rem; padding-left: 0.7rem;
      border-left: 3px solid var(--gold);
    }
    .si-group-title:first-of-type { margin-top: 0.5rem; }
    .si-cat {
      background: var(--cream); border: 1px solid var(--gray-soft);
      border-radius: var(--radius-lg); padding: 1.1rem 1.25rem;
    }
    .si-cat h4 {
      font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em;
      color: var(--cobalt); margin: 0 0 0.85rem;
    }
    .si-check {
      display: flex; align-items: flex-start; gap: 0.6rem;
      padding: 0.4rem 0; cursor: pointer; font-size: 0.95rem;
      color: var(--text-dark); font-weight: 400;
    }
    .si-check input[type="checkbox"] {
      accent-color: var(--cobalt); width: 1.2rem; height: 1.2rem;
      flex-shrink: 0; margin-top: 0.1rem; top: 0; cursor: pointer;
    }
    /* Stage 3 — targeted underwriting reveals */
    .si-reveal {
      background: #eef2f9; border: 1px solid #cdd9ec;
      border-left: 4px solid var(--cobalt);
      border-radius: 0 var(--radius) var(--radius) 0;
      padding: 1.25rem 1.5rem; margin-bottom: 1.25rem;
    }
    .si-reveal[hidden] { display: none; }   /* hard-hide when not triggered */
    .si-reveal-title {
      font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.07em;
      font-weight: 700; color: var(--navy); margin: 0 0 1rem;
    }
    @media (max-width: 680px) {
      .si-cat-grid { grid-template-columns: 1fr; }
    }

    /* ===== PAGE HERO (sub-pages) ===== */
    .page-hero {
      background: var(--navy);
      padding: 5rem 0 4rem;
      color: var(--white);
    }
    .page-hero h1 { color: var(--white); }
    .page-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; margin-top: 1rem; }
    .breadcrumb {
      font-size: 0.85rem;
      color: rgba(255,255,255,0.5);
      margin-bottom: 1rem;
    }
    .breadcrumb a { color: var(--gold-light); }
    .breadcrumb a:hover { color: var(--white); }

    /* ===== COVERAGE DETAIL PAGE ===== */
    .coverage-detail-grid {
      display: grid;
      grid-template-columns: 2fr 1fr;
      gap: 4rem;
      align-items: start;
    }
    .coverage-body h2 { margin: 2.5rem 0 1rem; }
    .coverage-body ul {
      list-style: none;
      padding: 0;
    }
    .coverage-body ul li {
      padding: 0.6rem 0;
      border-bottom: 1px solid var(--gray-soft);
      display: flex;
      gap: 0.75rem;
      align-items: flex-start;
    }
    .coverage-body ul li::before {
      content: '✓';
      color: var(--cobalt);
      font-weight: 700;
      flex-shrink: 0;
      margin-top: 0.05em;
    }
    .sidebar-card {
      background: var(--cream);
      border: 1px solid var(--gray-soft);
      border-radius: var(--radius-lg);
      padding: 2rem;
      position: sticky;
      top: 100px;
    }
    .sidebar-card h3 { margin-bottom: 1rem; }
    .sidebar-card .contact-method {
      display: flex;
      gap: 0.75rem;
      align-items: center;
      margin-bottom: 1rem;
      font-size: 0.95rem;
    }
    .sidebar-card .contact-method strong { display: block; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-mid); }

    /* ===== FOOTER ===== */
    #site-footer {
      background: var(--navy);
      color: rgba(255,255,255,0.75);
      padding: 5rem 0 2rem;
    }
    .footer-grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 3rem;
      margin-bottom: 4rem;
    }
    .footer-brand img { display: block; width: auto; height: auto; max-width: 250px; object-fit: contain; margin-bottom: 1.5rem; filter: brightness(0) invert(1); }
    .footer-brand p { font-size: 0.92rem; color: rgba(255,255,255,0.55); line-height: 1.7; }
    .footer-col h4 {
      color: var(--white);
      font-family: var(--font-sans);
      font-size: 0.8rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.12em;
      margin-bottom: 1.2rem;
    }
    .footer-col ul { list-style: none; }
    .footer-col ul li { margin-bottom: 0.6rem; }
    .footer-col ul li a {
      color: rgba(255,255,255,0.55);
      font-size: 0.92rem;
      transition: color var(--transition);
    }
    .footer-col ul li a:hover { color: var(--gold-light); }
    .footer-contact a {
      color: var(--gold-light);
      font-weight: 600;
      font-size: 0.95rem;
    }
    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,0.1);
      padding-top: 2rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
      flex-wrap: wrap;
      gap: 1rem;
      font-size: 0.85rem;
      color: rgba(255,255,255,0.4);
    }
    .footer-bottom a { color: rgba(255,255,255,0.4); }
    .footer-bottom a:hover { color: var(--gold-light); }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 900px) {
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .about-grid { grid-template-columns: 1fr; gap: 3rem; }
      .states-grid { grid-template-columns: 1fr; }
      .coverage-detail-grid { grid-template-columns: 1fr; }
      .sidebar-card { position: static; }
      .form-row { grid-template-columns: 1fr; }
    }
    @media (max-width: 1024px) {
      .nav-links { display: none; position: absolute; top: 80px; left: 0; right: 0; background: var(--white); border-bottom: 2px solid var(--gold); flex-direction: column; padding: 1rem 1.5rem 1.5rem; gap: 0.1rem; box-shadow: var(--shadow-md); max-height: calc(100vh - 80px); overflow-y: auto; -webkit-overflow-scrolling: touch; z-index: 2000; }
      .nav-links.open { display: flex; }
      .nav-toggle { display: flex; }
      /* Mobile drawer: make the Get-a-Quote CTA a full-width standout button */
      .nav-links .nav-cta { display: block; width: 100%; text-align: center; margin-top: 0.75rem; padding: 0.9em 1rem; font-size: 0.95rem; }
      /* Mobile: show dropdowns inline, stacked */
      .nav-links > li.has-dropdown > a::after { content: ''; }
      .nav-dropdown { display: block; position: static; box-shadow: none; border: none; border-radius: 0; padding: 0 0 0.25rem 0.75rem; background: transparent; animation: none; }
      .nav-dropdown a { font-size: 0.85rem; padding: 0.35rem 0.75rem; color: var(--text-mid); }
      .nav-dropdown a::before { background: var(--gold-dark); width: 4px; height: 4px; }
      .nav-dropdown-label { padding: 0.4rem 0.75rem 0.15rem; font-size: 0.65rem; }
      .nav-dropdown-divider { margin: 0.2rem 0; }
      .footer-grid { grid-template-columns: 1fr; }
      .hero-trust { gap: 2rem; }
      .stat-boxes { grid-template-columns: 1fr; }
      .form-wrap { padding: 2rem 1.5rem; }
      .container { padding: 0 1.25rem; }
      .section { padding: 3.5rem 0; }
    }
  
    /* ── INDUSTRY CARDS GRID ── */
    .industry-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
      gap: 1.25rem;
      margin-top: 1.75rem;
    }
    .industry-card {
      background: var(--white);
      border: 1px solid var(--gray-soft);
      border-left: 4px solid var(--gold);
      border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
      padding: 1.5rem 1.5rem 1.5rem 1.25rem;
      box-shadow: var(--shadow-sm);
      cursor: pointer;
      transition: all var(--transition);
    }
    .industry-card:hover {
      border-left-color: var(--cobalt);
      box-shadow: var(--shadow-md);
      transform: translateX(3px);
    }
    .industry-card-tag {
      display: inline-block;
      font-size: 0.68rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.13em;
      color: var(--gold-dark);
      background: var(--cream-dark);
      padding: 0.2em 0.65em;
      border-radius: 100px;
      margin-bottom: 0.6rem;
    }
    .industry-card h3 {
      font-size: 1rem;
      margin-bottom: 0.35rem;
      color: var(--navy);
    }
    .industry-card p {
      color: var(--text-mid);
      font-size: 0.9rem;
      line-height: 1.55;
      margin: 0;
    }
    .industry-card .card-arrow {
      display: inline-block;
      margin-top: 0.85rem;
      font-size: 0.8rem;
      font-weight: 700;
      color: var(--cobalt);
      text-transform: uppercase;
      letter-spacing: 0.06em;
    }
    /* Highlight card variant for featured/new items */
    .industry-card.featured {
      border-left-color: var(--cobalt);
      background: linear-gradient(135deg, var(--white) 0%, #f0f4fa 100%);
    }
    .industry-card.featured .industry-card-tag {
      background: var(--cobalt);
      color: var(--white);
    }

    
    /* ── PERSONAL INSURANCE MEGA PANEL ── */
    .nav-dropdown.nav-mega {
      min-width: 560px;
      padding: 0;
      left: 50%;
      transform: translateX(-50%);
    }
    /* Override: mega panel stays open on focus-within too */
    .nav-links > li.has-dropdown:hover .nav-dropdown.nav-mega,
    .nav-links > li.has-dropdown:focus-within .nav-dropdown.nav-mega {
      display: block;
    }
    .mega-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0;
    }
    .mega-col {
      padding: 1.1rem 0.5rem 0.75rem;
    }
    .mega-col:first-child {
      border-right: 1px solid var(--gray-soft);
    }
    .mega-col-head {
      display: block;
      padding: 0.2rem 0.85rem 0.55rem;
      font-size: 0.68rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.13em;
      color: var(--gray-mid);
    }
    /* Mega links — override base .nav-dropdown a for mega items */
    .mega-link {
      display: flex !important;
      align-items: flex-start !important;
      gap: 0.7rem;
      padding: 0.6rem 0.85rem !important;
      border-radius: var(--radius);
      margin: 0 0.35rem;
      white-space: normal !important;
    }
    .mega-link::before { display: none !important; } /* remove dot */
    .mega-link-icon {
      width: 34px;
      height: 34px;
      border-radius: var(--radius);
      background: var(--cream-dark);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      transition: background var(--transition);
    }
    .mega-link-icon svg {
      width: 17px;
      height: 17px;
      stroke: var(--cobalt);
      fill: none;
      stroke-width: 1.8;
      stroke-linecap: round;
      stroke-linejoin: round;
    }
    .mega-link:hover .mega-link-icon {
      background: var(--cobalt);
    }
    .mega-link:hover .mega-link-icon svg {
      stroke: var(--white);
    }
    .mega-link-text strong {
      display: block;
      font-size: 0.88rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 0.1rem;
      line-height: 1.2;
    }
    .mega-link-text span {
      font-size: 0.78rem;
      color: var(--gray-mid);
      line-height: 1.35;
    }
    .mega-link:hover .mega-link-text strong { color: var(--cobalt); }
    /* Bottom CTA strip inside mega panel */
    .mega-cta-strip {
      border-top: 1px solid var(--gray-soft);
      background: var(--cream);
      padding: 0.75rem 1.1rem;
      display: flex;
      align-items: center;
      justify-content: space-between;
      border-radius: 0 0 var(--radius-lg) var(--radius-lg);
      gap: 1rem;
    }
    .mega-cta-strip p {
      font-size: 0.8rem;
      color: var(--text-mid);
      margin: 0;
      line-height: 1.35;
    }
    .mega-cta-strip p strong { color: var(--navy); display: block; font-size: 0.83rem; }
    .mega-cta-strip a.mega-cta-btn {
      display: inline-block;
      background: var(--gold);
      color: var(--navy);
      font-size: 0.78rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.07em;
      padding: 0.5em 1.1em;
      border-radius: var(--radius);
      white-space: nowrap;
      flex-shrink: 0;
      transition: background var(--transition), transform var(--transition);
    }
    .mega-cta-strip a.mega-cta-btn::before { display: none; }
    .mega-cta-strip a.mega-cta-btn:hover {
      background: var(--gold-dark);
      color: var(--navy);
      transform: translateY(-1px);
    }
    /* Mobile/tablet override for mega panel — same breakpoint as the hamburger drawer */
    @media (max-width: 1024px) {
      .nav-dropdown.nav-mega {
        min-width: unset;
        transform: none;
        left: 0;
      }
      .mega-inner { grid-template-columns: 1fr; }
      .mega-col:first-child { border-right: none; border-bottom: 1px solid var(--gray-soft); }
      .mega-cta-strip { flex-direction: column; align-items: flex-start; }
    }
    @media (max-width: 680px) {
      /* SMS pages — collapse 2-col layout to single column on mobile */
      .sms-page-grid { grid-template-columns: 1fr !important; gap: 2rem !important; }
      .sms-compliance-box { margin-top: 0; }
      /* Detail grids used on industry sub-pages — single col on small screens */
      .coverage-detail-grid { grid-template-columns: 1fr !important; }
    }

    
    /* ── BUSINESS INSURANCE MEGA PANEL (3-column wide variant) ── */
    .nav-dropdown.nav-mega-wide {
      min-width: 980px;
      padding: 0;
      left: 50%;
      transform: translateX(-50%);
    }
    .nav-links > li.has-dropdown:hover .nav-dropdown.nav-mega-wide,
    .nav-links > li.has-dropdown:focus-within .nav-dropdown.nav-mega-wide {
      display: block;
    }
    .nav-mega-wide .mega-inner {
      grid-template-columns: 1.1fr 1fr 1fr 0.95fr;
    }
    /* Third column gets navy background for visual contrast */
    .mega-col-cta {
      background: var(--navy);
      border-radius: 0 var(--radius-lg) 0 0;
      padding: 1.25rem 1.1rem 1rem;
    }
    .mega-col-cta .mega-col-head {
      color: rgba(255,255,255,0.5);
    }
    .mega-col-cta .mega-link {
      border-radius: var(--radius);
      margin: 0 0 0.15rem;
    }
    .mega-col-cta .mega-link:hover {
      background: rgba(255,255,255,0.08);
    }
    .mega-col-cta .mega-link-icon {
      background: rgba(255,255,255,0.1);
    }
    .mega-col-cta .mega-link:hover .mega-link-icon {
      background: var(--gold);
    }
    .mega-col-cta .mega-link:hover .mega-link-icon svg {
      stroke: var(--navy);
    }
    .mega-col-cta .mega-link-text strong {
      color: var(--white);
    }
    .mega-col-cta .mega-link-text span {
      color: rgba(255,255,255,0.55);
    }
    .mega-col-cta .mega-link:hover .mega-link-text strong {
      color: var(--gold-light);
    }
    /* CTA block inside the navy column */
    .mega-col-cta-block {
      margin-top: 1.1rem;
      padding: 1rem;
      background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.12);
      border-radius: var(--radius);
    }
    .mega-col-cta-block p {
      font-size: 0.8rem;
      color: rgba(255,255,255,0.7);
      line-height: 1.45;
      margin-bottom: 0.85rem;
    }
    .mega-col-cta-block p strong {
      display: block;
      color: var(--white);
      font-size: 0.87rem;
      margin-bottom: 0.25rem;
    }
    .mega-col-cta-block a.biz-cta-btn {
      display: block;
      text-align: center;
      background: var(--gold);
      color: var(--navy);
      font-size: 0.78rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.07em;
      padding: 0.55em 1em;
      border-radius: var(--radius);
      transition: background var(--transition), transform var(--transition);
    }
    .mega-col-cta-block a.biz-cta-btn::before { display: none; }
    .mega-col-cta-block a.biz-cta-btn:hover {
      background: var(--gold-light);
      transform: translateY(-1px);
    }
    /* Bottom strip for wide mega */
    .mega-cta-strip-wide {
      border-top: 1px solid var(--gray-soft);
      background: var(--cream);
      padding: 0.7rem 1.1rem;
      display: flex;
      align-items: center;
      gap: 1.5rem;
      border-radius: 0 0 var(--radius-lg) var(--radius-lg);
      flex-wrap: wrap;
    }
    .mega-cta-strip-wide .strip-item {
      display: flex;
      align-items: center;
      gap: 0.45rem;
      font-size: 0.78rem;
      color: var(--text-mid);
      flex: 1;
      min-width: 140px;
    }
    .mega-cta-strip-wide .strip-item svg {
      width: 14px;
      height: 14px;
      stroke: var(--gold-dark);
      fill: none;
      stroke-width: 2;
      flex-shrink: 0;
    }
    /* Mobile/tablet: collapse 3-col to 1-col — same breakpoint as the hamburger drawer */
    @media (max-width: 1024px) {
      .nav-dropdown.nav-mega-wide {
        min-width: unset;
        transform: none;
        left: 0;
      }
      .nav-mega-wide .mega-inner {
        grid-template-columns: 1fr;
      }
      .mega-col-border-right { border-right: none !important; border-bottom: 1px solid var(--gray-soft); }
      .mega-col-cta {
        border-radius: 0;
        background: var(--cream);
      }
      .mega-col-cta .mega-col-head { color: var(--gray-mid); }
      .mega-col-cta .mega-link-text strong { color: var(--navy); }
      .mega-col-cta .mega-link-text span { color: var(--gray-mid); }
      .mega-col-cta .mega-link-icon { background: var(--cream-dark); }
      .mega-col-cta .mega-link:hover .mega-link-icon { background: var(--cobalt); }
      .mega-col-cta .mega-link:hover .mega-link-icon svg { stroke: var(--white); }
      .mega-col-cta .mega-link:hover .mega-link-text strong { color: var(--cobalt); }
      .mega-col-cta-block { background: var(--cream-dark); border-color: var(--gray-soft); }
      .mega-col-cta-block p { color: var(--text-mid); }
      .mega-col-cta-block p strong { color: var(--navy); }
      .mega-cta-strip-wide { gap: 0.75rem; }
    }

    
    /* ── REVIEWS & REPUTATION ── */
    .reviews-section { padding: 5rem 0; background: var(--white); }
    .reviews-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.5rem; margin-top: 2.5rem; }
    .review-card { background: var(--white); border: 1px solid var(--gray-soft); border-radius: var(--radius-lg); padding: 1.75rem; box-shadow: var(--shadow-sm); transition: box-shadow var(--transition), transform var(--transition); }
    .review-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
    .review-header { display: flex; align-items: center; gap: 0.85rem; margin-bottom: 1rem; }
    .review-avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; font-family: var(--font-serif); font-size: 1.1rem; font-weight: 700; color: var(--gold-light); flex-shrink: 0; }
    .review-meta strong { display: block; font-size: 0.95rem; color: var(--navy); }
    .review-meta span { font-size: 0.8rem; color: var(--gray-mid); }
    .review-stars { color: #F5B820; font-size: 0.95rem; letter-spacing: 2px; margin-bottom: 0.75rem; }
    .review-text { font-size: 0.95rem; color: var(--text-mid); line-height: 1.65; font-style: italic; }
    .review-source { display: flex; align-items: center; gap: 0.4rem; margin-top: 1rem; font-size: 0.75rem; color: var(--gray-mid); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
    .google-g { width: 14px; height: 14px; }
    .review-summary { display: flex; align-items: center; justify-content: center; gap: 2.5rem; background: var(--navy); border-radius: var(--radius-lg); padding: 2rem 2.5rem; margin-bottom: 3rem; flex-wrap: wrap; }
    .review-score { text-align: center; }
    .review-score .score-num { font-family: var(--font-serif); font-size: 3rem; font-weight: 700; color: var(--gold-light); line-height: 1; display: block; }
    .review-score .score-label { font-size: 0.78rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.1em; margin-top: 0.25rem; display: block; }
    .review-score .score-stars { color: #F5B820; font-size: 1.1rem; display: block; margin-top: 0.25rem; }
    .review-divider { width: 1px; height: 60px; background: rgba(255,255,255,0.15); }
    .reputation-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); border-radius: 100px; padding: 0.45em 1em; font-size: 0.8rem; color: rgba(255,255,255,0.85); font-weight: 600; }
    .reputation-badge svg { width: 13px; height: 13px; fill: var(--gold); flex-shrink: 0; }
    /* CTA Review Strip */
    .review-cta-strip { background: var(--cream); border: 1px solid var(--gray-soft); border-radius: var(--radius-lg); padding: 1.5rem 2rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; margin-top: 2.5rem; flex-wrap: wrap; }
    .review-cta-strip p { margin: 0; font-size: 0.97rem; color: var(--text-mid); }
    .review-cta-strip p strong { color: var(--navy); }
    @media(max-width:680px) { .review-summary { gap: 1.5rem; } .review-divider { display: none; } .review-cta-strip { flex-direction: column; } }

    
    /* ── STICKY BOTTOM CTA (mobile SEM conversion tool) ── */
    .sticky-cta {
      display: none;
      position: fixed;
      bottom: 0; left: 0; right: 0;
      background: var(--navy);
      border-top: 2px solid var(--gold);
      padding: 0.85rem 1.5rem;
      z-index: 3000;
      align-items: center;
      justify-content: space-between;
      gap: 1rem;
      box-shadow: 0 -4px 20px rgba(27,42,74,0.25);
    }
    .sticky-cta.visible { display: flex; }
    .sticky-cta p { margin: 0; font-size: 0.88rem; color: rgba(255,255,255,0.85); line-height: 1.3; }
    .sticky-cta p strong { color: var(--white); display: block; font-size: 0.95rem; }
    .sticky-cta-actions { display: flex; gap: 0.6rem; flex-shrink: 0; }
    .sticky-cta-close { background: none; border: none; color: rgba(255,255,255,0.4); font-size: 1.2rem; cursor: pointer; padding: 0.25rem 0.5rem; transition: color var(--transition); }
    .sticky-cta-close:hover { color: var(--white); }
    @media(min-width: 681px) { .sticky-cta { display: none !important; } }

    /* ── NOTIFICATION BAR (SEM landing page quality signal) ── */
    .notif-bar {
      background: var(--cobalt);
      color: var(--white);
      text-align: center;
      padding: 0.55rem 1rem;
      font-size: 0.82rem;
      font-weight: 600;
      letter-spacing: 0.02em;
      position: relative;
      z-index: 1001;
    }
    .notif-bar a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }
    .notif-bar-close { position: absolute; right: 1rem; top: 50%; transform: translateY(-50%); background: none; border: none; color: rgba(255,255,255,0.5); cursor: pointer; font-size: 1rem; padding: 0; }
    .notif-bar-close:hover { color: var(--white); }

    /* ── LEAD MAGNET CTA (inline conversion booster) ── */
    .lead-magnet {
      background: linear-gradient(135deg, var(--navy) 0%, var(--cobalt) 100%);
      border-radius: var(--radius-lg);
      padding: 2.5rem;
      margin: 3rem 0;
      display: flex;
      align-items: center;
      gap: 2rem;
      flex-wrap: wrap;
    }
    .lead-magnet-icon { font-size: 2.5rem; flex-shrink: 0; }
    .lead-magnet-text { flex: 1; min-width: 200px; }
    .lead-magnet-text h3 { color: var(--white); margin-bottom: 0.4rem; font-size: 1.2rem; }
    .lead-magnet-text p { color: rgba(255,255,255,0.72); font-size: 0.95rem; margin: 0; }



    

    
  /* ── SMS OPT-IN/OUT RADIO PILLS ── */
  .sms-radio-group { display: flex; flex-direction: column; gap: 0.85rem; margin: 1.25rem 0; }
  .sms-radio-pill {
    display: flex; align-items: flex-start; gap: 1rem;
    background: var(--white); border: 2px solid var(--gray-soft);
    border-radius: var(--radius-lg); padding: 1.1rem 1.25rem;
    cursor: pointer; transition: all 0.2s; user-select: none;
  }
  .sms-radio-pill:hover { border-color: var(--cobalt); background: var(--cream); }
  .sms-radio-pill input[type="radio"] { accent-color: var(--cobalt); width: 18px; height: 18px; flex-shrink: 0; margin-top: 0.15rem; }
  .sms-radio-pill.selected { border-color: var(--cobalt); background: #eef2f9; }
  .sms-radio-pill .pill-label { font-weight: 700; color: var(--navy); display: block; margin-bottom: 0.2rem; font-size: 0.97rem; }
  .sms-radio-pill .pill-desc { font-size: 0.88rem; color: var(--text-mid); line-height: 1.45; }
  .sms-compliance-box {
    background: var(--cream); border: 1px solid var(--gray-soft);
    border-radius: var(--radius-lg); padding: 1.5rem 1.75rem; margin: 1.75rem 0;
    font-size: 0.88rem; color: var(--text-mid); line-height: 1.65;
  }
  .sms-compliance-box h4 { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-mid); font-family: var(--font-sans); font-weight: 700; margin-bottom: 0.65rem; }
  .sms-compliance-box p { margin-bottom: 0.75rem; }
  .sms-compliance-box p:last-child { margin-bottom: 0; }
  .sms-tag-pill { display: inline-flex; align-items: center; gap: 0.4rem; background: var(--navy); color: var(--gold-light); border-radius: 100px; padding: 0.25em 0.8em; font-size: 0.8rem; font-weight: 700; font-family: var(--font-sans); letter-spacing: 0.04em; }
  .sms-divider { border: none; border-top: 1px solid var(--gray-soft); margin: 2.25rem 0; }

    
/* ===== REMASTER STYLES (home, str-insurance, contractor-insurance) ===== */

.wt-hero, .wt-block {
  --wt-ink:      var(--navy);
  --wt-accent:   var(--navy);
  --wt-surface:  var(--cream);
  --wt-line:     var(--gray-soft);
  --wt-muted:    var(--text-mid);
}

/* ---------- shared ---------- */
.wt-hero, .wt-block { max-width: 1140px; margin: 0 auto; padding: 64px 20px; }
.wt-eyebrow {
  font-size: .78rem; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700; color: var(--wt-muted); margin: 0 0 14px;
}
.wt-h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); line-height: 1.18; margin: 0 0 14px; color: var(--wt-ink); }
.wt-h3 { font-size: 1.14rem; line-height: 1.3; margin: 0 0 10px; color: var(--wt-ink); }
.wt-lede { font-size: 1.05rem; line-height: 1.65; max-width: 68ch; margin: 0 0 34px; color: var(--wt-muted); }
.wt-small { font-size: .88rem; line-height: 1.6; color: var(--wt-muted); }
.wt-list { margin: 12px 0 0; padding-left: 1.1em; }
.wt-list li { margin-bottom: 7px; line-height: 1.55; font-size: .95rem; }

/* ---------- buttons ---------- */
.wt-btn {
  display: inline-block; font: inherit; font-weight: 700; font-size: 1rem;
  padding: 15px 30px; border-radius: 6px; border: 2px solid var(--wt-accent);
  cursor: pointer; text-decoration: none; text-align: center;
  transition: transform .12s ease, opacity .12s ease;
}
.wt-btn:hover { transform: translateY(-1px); opacity: .92; }
.wt-btn-primary { background: var(--gold); border-color: var(--gold); color: var(--navy); }
.wt-btn-ghost   { background: transparent; color: var(--wt-accent); }
.wt-btn-card {
  background: transparent; color: var(--wt-accent); border: none;
  padding: 14px 0 0; font-size: .95rem; text-align: left;
}

/* ---------- 1. hero ---------- */
.wt-hero { padding-top: 76px; padding-bottom: 44px; }

/* split hero: copy left / calculator card right, stats full width underneath */
.wt-hero-split {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  column-gap: 56px; row-gap: 0; align-items: center;
}
.wt-hero-split .wt-hero-copy   { min-width: 0; }
.wt-hero-split .wt-hero-widget { min-width: 0; position: relative; }
.wt-hero-split .wt-stats       { grid-column: 1 / -1; }
.wt-hero-split .wt-hero-title  { font-size: clamp(1.9rem, 3.3vw, 2.75rem); }
.wt-hero-split .wt-hero-sub    { max-width: 58ch; }
/* soft glow so the white card floats on the page background */
.wt-hero-widget::before {
  content: ""; position: absolute; inset: -28px -20px -20px -20px; z-index: 0; border-radius: 28px;
  background: radial-gradient(ellipse at 50% 40%, rgba(43,76,126,0.10), rgba(184,164,42,0.10) 55%, transparent 75%);
  pointer-events: none;
}
.hwc-card {
  position: relative; z-index: 1;
  background: #ffffff; border-radius: 12px; padding: 26px 26px 22px;
  box-shadow: 0 1px 2px rgba(27,42,74,0.06), 0 12px 30px rgba(27,42,74,0.12), 0 30px 60px -20px rgba(27,42,74,0.25);
  border: 1px solid rgba(27,42,74,0.08);
}
.hwc-kicker { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--cobalt); margin: 0 0 6px; }
.hwc-title  { font-size: 1.18rem; line-height: 1.3; margin: 0 0 18px; color: var(--navy); }
.hwc-field  { margin-bottom: 14px; min-width: 0; }
.hwc-row    { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hwc-row .hwc-field { margin-bottom: 0; }
.hwc-row + .hwc-help { margin: 6px 0 14px; }
.hwc-field label, .hwc-label {
  display: block; font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--navy); margin: 0 0 6px;
}
.hwc-input-wrap { position: relative; }
.hwc-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-mid); font-weight: 700; pointer-events: none; }
.hwc-input-wrap input {
  width: 100%; padding: 11px 12px 11px 28px; font: inherit; font-size: 1.05rem; font-weight: 700;
  color: var(--navy); background: var(--white); border: 1.5px solid var(--gray-soft); border-radius: 8px;
  appearance: none; -webkit-appearance: none; transition: border-color var(--transition);
}
.hwc-input-wrap input:focus { outline: none; border-color: var(--cobalt); box-shadow: 0 0 0 3px rgba(43,76,126,0.14); }
.hwc-help { font-size: .8rem; line-height: 1.45; color: var(--text-mid); margin: 6px 0 0; }
.hwc-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.hwc-chip {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  min-width: 56px; padding: 8px 14px; border: 1.5px solid var(--gray-soft); border-radius: 999px;
  font-weight: 700; font-size: .95rem; color: var(--navy); cursor: pointer; user-select: none;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}
.hwc-chip input[type="radio"] { position: absolute; opacity: 0; width: 1px; height: 1px; margin: 0; pointer-events: none; }
.hwc-chip:hover { border-color: var(--cobalt); }
.hwc-chip.is-on, .hwc-chip:has(input:checked) { background: var(--navy); border-color: var(--navy); color: #fff; }
.hwc-chip:has(input:focus-visible) { outline: 2px solid var(--cobalt); outline-offset: 2px; }
.hwc-result {
  background: var(--cream); border: 1px solid var(--gray-soft); border-left: 4px solid var(--gold);
  border-radius: 8px; padding: 14px 16px; margin: 4px 0 14px;
}
.hwc-result-label { font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; font-weight: 700; color: var(--text-mid); margin: 0 0 2px; }
.hwc-result-num   { font-family: var(--font-serif, inherit); font-size: clamp(2rem, 3vw, 2.6rem); font-weight: 800; line-height: 1.05; color: var(--navy); margin: 0 0 6px; }
.hwc-result-note  { font-size: .92rem; line-height: 1.5; color: var(--text-mid); margin: 0; }
.hwc-result-note strong { color: #b3261e; }
.hwc-table { width: 100%; border-collapse: collapse; font-size: .9rem; margin: 0 0 14px; }
.hwc-table th { text-align: left; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--text-mid); padding: 6px 8px; border-bottom: 2px solid var(--navy); }
.hwc-table td { padding: 7px 8px; border-bottom: 1px solid var(--gray-soft); color: var(--text-dark); }
.hwc-table td:last-child, .hwc-table th:last-child { text-align: right; font-variant-numeric: tabular-nums; }
.hwc-table tr.is-on td { font-weight: 700; color: var(--navy); background: rgba(43,76,126,0.05); }
.hwc-tag { display: inline-block; font-size: .66rem; letter-spacing: .08em; text-transform: uppercase; background: var(--navy); color: #fff; border-radius: 999px; padding: 2px 7px; margin-left: 6px; vertical-align: middle; }
.hwc-actions { display: flex; flex-direction: column; gap: 10px; align-items: flex-start; }
.hwc-cta { width: 100%; padding: 13px 20px; }
.hwc-link { font-size: .88rem; color: var(--cobalt); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.hwc-fine { font-size: .74rem; color: var(--text-mid); margin: 12px 0 0; }
@media (max-width: 1024px) {
  .wt-hero-split { grid-template-columns: 1fr; row-gap: 36px; }
  .wt-hero-split .wt-hero-title { font-size: clamp(2rem, 5vw, 3rem); }
  .wt-hero-split .wt-hero-sub   { max-width: 66ch; }
  .wt-hero-widget::before { inset: -16px -8px -12px -8px; }
}
@media (max-width: 480px) {
  .hwc-card { padding: 20px 18px 18px; }
  .hwc-row { grid-template-columns: 1fr; }
  .hwc-chip { min-width: 0; flex: 1 1 0; padding: 8px 6px; }
}
.wt-hero-title { font-size: clamp(2rem, 5vw, 3.15rem); line-height: 1.12; margin: 0 0 20px; color: var(--wt-ink); }
.wt-hero-sub { font-size: 1.1rem; line-height: 1.68; max-width: 66ch; margin: 0 0 30px; color: var(--wt-muted); }
.wt-hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.wt-hero-note { font-size: .86rem; color: var(--wt-muted); margin: 16px 0 0; }
.wt-stats {
  list-style: none; display: grid; gap: 18px; margin: 40px 0 0; padding: 26px 0 0;
  border-top: 1px solid var(--wt-line);
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
}
.wt-stat-num { display: block; font-size: 1.55rem; font-weight: 800; color: var(--wt-ink); line-height: 1.1; }
.wt-stat-label { display: block; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; color: var(--wt-muted); margin-top: 5px; }

/* ---------- 2. deductible trap ---------- */
.wt-trap-grid {
  display: grid; gap: 22px; margin-bottom: 40px;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
}
.wt-trap-card {
  background: var(--wt-surface); border: 1px solid var(--wt-line);
  border-radius: 10px; padding: 26px;
}
.wt-trap-card p { line-height: 1.6; font-size: .96rem; margin: 0 0 12px; }
.wt-math { margin: 18px 0; padding: 16px 18px; background: #fff; border: 1px solid var(--wt-line); border-radius: 8px; }
.wt-math-line {
  display: flex; justify-content: space-between; gap: 14px;
  margin: 0 0 8px !important; font-size: .93rem;
}
.wt-math-total {
  border-top: 1px solid var(--wt-line); padding-top: 10px;
  margin: 10px 0 0 !important; font-weight: 800; color: var(--wt-ink);
}
.wt-fix {
  border: 2px solid var(--wt-accent); border-radius: 10px; padding: 32px;
}
.wt-steps { margin: 16px 0 26px; padding-left: 1.25em; }
.wt-steps li { margin-bottom: 12px; line-height: 1.62; font-size: .98rem; }

/* ---------- 3. practice cards ---------- */
.wt-card-grid {
  display: grid; gap: 22px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}
/* Six practice cards: 3 x 2 on desktop, 2 x 3 on tablet, single column on phones
   (auto-fit alone would produce a 4 + 2 orphan row at 1140px). */
.wt-practices .wt-card-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 1024px) { .wt-practices .wt-card-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 680px)  { .wt-practices .wt-card-grid { grid-template-columns: 1fr; } }
.wt-card {
  border: 1px solid var(--wt-line); border-radius: 10px; padding: 28px;
  display: flex; flex-direction: column;
}
.wt-card > p:not(.wt-card-tag) { line-height: 1.6; font-size: .96rem; margin: 0 0 4px; }
.wt-card .wt-list { flex: 1 1 auto; }
.wt-card-tag {
  font-size: .72rem; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700; color: var(--wt-muted); margin: 0 0 10px !important;
}

/* ---------- 4. geo bar ---------- */
.wt-geo { border-top: 1px solid var(--wt-line); }
.wt-geo-grid {
  display: grid; gap: 22px; margin-bottom: 34px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}
.wt-geo-col { background: var(--wt-surface); border-radius: 10px; padding: 26px; }
.wt-geo-state { font-size: 1.25rem; font-weight: 800; color: var(--wt-ink); margin: 0 0 12px; }
.wt-geo-cities { list-style: none; margin: 0 0 14px; padding: 0; }
.wt-geo-cities li { padding: 7px 0; border-bottom: 1px solid var(--wt-line); font-size: .96rem; }
.wt-geo-cities li:last-child { border-bottom: none; }
.wt-geo-cta {
  text-align: center; padding: 36px 26px;
  background: var(--wt-accent); color: #fff; border-radius: 10px;
}
.wt-geo-cta .wt-h3 { color: #fff; font-size: 1.4rem; }
.wt-geo-cta p { margin: 0 0 22px; opacity: .9; line-height: 1.6; }
.wt-geo-cta .wt-btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.wt-disclaimer { font-size: .78rem; line-height: 1.65; color: var(--wt-muted); margin: 30px 0 0; }

@media (max-width: 600px) {
  .wt-hero, .wt-block { padding: 44px 18px; }
  .wt-btn { width: 100%; }
  .wt-btn-card { width: auto; }
  .wt-hero-actions { flex-direction: column; align-items: stretch; }
}

/* ---------- niche pages (str-insurance, contractor-insurance) ---------- */
.wt-breadcrumb { font-size: .84rem; color: var(--wt-muted); margin: 0 0 22px; }
.wt-breadcrumb a { color: var(--wt-accent); text-decoration: none; }
.wt-breadcrumb a:hover { text-decoration: underline; }
.wt-breadcrumb span[aria-hidden] { margin: 0 8px; }
.wt-alert {
  border-left: 4px solid var(--wt-accent); background: var(--wt-surface);
  border-radius: 6px; padding: 20px 24px; margin: 0 0 30px;
}
.wt-alert-title {
  font-size: .78rem; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700; color: var(--wt-muted); margin: 0 0 10px;
}
.wt-alert p:not(.wt-alert-title) { margin: 0; line-height: 1.65; font-size: .96rem; }
.wt-alert p strong { display: block; margin-top: 10px; }
.wt-alert p strong:first-child { margin-top: 0; }
.wt-intake-head { margin-bottom: 24px; }

/* ---------- structural hooks (intentionally unstyled) ----------
   .wt-page      wrapper on the two new section pages. The site's own
                 page-visibility class MUST be added alongside it — see
                 DEPLOY-CHECKLIST Phase 2b.
   .wt-trap / .wt-practices / .wt-geo-title / .wt-geo-lede
                 selector hooks for future per-block overrides. */
.wt-page, .wt-trap, .wt-practices, .wt-geo-title, .wt-geo-lede { }

/* multi-page: card containers converted to real links */
.card-link { display: block; color: inherit; text-decoration: none; }
.card-link:hover { text-decoration: none; }
a[role="button"].wt-btn { display: inline-block; }
.page { display: block; }