@import url('https://fonts.googleapis.com/css2?family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&family=Source+Sans+3:wght@400;600;700&display=swap');

:root {
  /* ── Colors ── */
  --color-primary: #0F1419;
  --color-primary-dark: #0c1014;
  --color-primary-light: #272b30;
  --color-primary-hover: #0d1216;
  --color-primary-text: #FFFFFF;
  --color-secondary: #2EC4B6;
  --color-secondary-light: #6cd5cb;
  --color-accent: #E8A838;
  --color-accent-dark: #c58e2f;
  --color-accent-light: #ecb95f;
  --color-accent-text: #FFFFFF;
  --color-text: #E8E6E3;
  --color-text-muted: #8B9098;
  --color-text-light: #f3f2f1;
  --color-bg: #0F1419;
  --color-bg-card: #1A1F25;
  --color-bg-muted: #161b1f;
  --color-bg-alt: #22262b;
  --color-border: rgba(255,255,255,0.08);
  --color-border-light: rgba(232,230,227,0.06);

  /* ── Text color overrides (dark-mode aware) ── */
  --color-heading: #FFFFFF;
  --color-on-surface: #E8E6E3;
  --color-on-card: #D4D2CF;
  --color-link: #2EC4B6;

  /* ── Page Header Banner ── */
  --page-header-bg: linear-gradient(135deg, #0F1419, #1A2332);
  --page-header-heading-color: #FFFFFF;
  --page-header-subtitle-color: rgba(255,255,255,0.7);

  /* ── Typography ── */
  --font-display: 'Libre Baskerville', Georgia, serif;
  --font-body: 'Source Sans 3', 'Segoe UI', sans-serif;
  --text-xs: 0.531rem;
  --text-sm: 0.751rem;
  --text-base: 1.063rem;
  --text-lg: 1.502rem;
  --text-xl: 2.124rem;
  --text-2xl: 3.004rem;
  --text-3xl: 4.247rem;
  --text-4xl: 6.006rem;
  --text-5xl: 8.492rem;
  --heading-weight: 400;
  --heading-transform: none;
  --heading-tracking: -0.02em;
  --heading-line-height: 1.05;
  --body-line-height: 1.7;
  --leading-tight: 1.05;
  --leading-snug: 1.35;
  --leading-normal: 1.5;
  --leading-relaxed: 1.7;
  --tracking-tight: -0.02em;
  --tracking-normal: 0;
  --tracking-wide: 0.05em;
  --tracking-wider: 0.08em;
  --tracking-widest: 0.14em;

  /* ── Spacing (standard) ── */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* ── Layout ── */
  --max-w: 1100px;
  --section-py: 5.6rem;
  --max-w-narrow: 800px;
  --max-w-prose: 65ch;
  --nav-height: 60px;
  --radius: 0px;
  --radius-sm: 0px;
  --radius-md: 2px;
  --radius-lg: 4px;
  --radius-full: 9999px;

  /* ── Shadows (none) ── */
  --shadow: none;
  --shadow-md: none;
  --shadow-lg: none;

  /* ── Transitions ── */
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-fast: 0.15s ease;
  --duration-slow: 0.6s;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
section[id] { scroll-margin-top: var(--nav-height, 80px); }
body {
  font-family: var(--font-body); color: var(--color-text);
  line-height: var(--leading-relaxed); background: var(--color-bg);
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display); color: var(--color-heading, var(--color-primary));
  line-height: var(--heading-line-height, 1.2); letter-spacing: var(--heading-tracking, -0.02em); font-weight: var(--heading-weight, 700); text-transform: var(--heading-transform, none);
}
h1 { font-size: clamp(var(--text-3xl), 4.5vw, var(--text-4xl)); }
h2 { font-size: clamp(var(--text-2xl), 3vw, var(--text-3xl)); }
h3 { font-size: var(--text-xl); }
h4 { font-size: var(--text-lg); }
p { margin-bottom: var(--space-4); max-width: var(--max-w-prose); }
strong { font-weight: 600; }
a { color: var(--color-link, var(--color-secondary)); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--color-accent); }
a:focus-visible { outline: 2px solid var(--color-secondary); outline-offset: 2px; border-radius: var(--radius-sm); }
img { max-width: 100%; display: block; height: auto; }
.container { width: 90%; max-width: var(--max-w); margin: 0 auto; }
section { padding: var(--section-py, var(--space-16)) 0; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; top: -100%; left: var(--space-4); padding: var(--space-2) var(--space-4); background: var(--color-primary); color: #fff; font-weight: 600; border-radius: var(--radius); z-index: 9999; }
.skip-link:focus { top: var(--space-2); }
.section-title { font-family: var(--font-display); font-size: clamp(var(--text-2xl), 3vw, var(--text-3xl)); color: var(--color-heading, var(--color-primary)); margin-bottom: var(--space-2); text-align: center; }
.section-subtitle { color: var(--color-text-muted); margin-bottom: var(--space-8); font-size: var(--text-lg); text-align: center; max-width: none; }
.section-eyebrow { font-family: var(--font-body); font-size: var(--text-sm); font-weight: 600; text-transform: uppercase; letter-spacing: var(--tracking-widest); color: var(--color-accent); margin-bottom: var(--space-3); }

.btn {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: var(--space-3) var(--space-6); border-radius: var(--radius);
  font-family: var(--font-body); font-weight: 600; font-size: var(--text-sm);
  border: none; cursor: pointer; transition: all var(--transition);
  text-decoration: none; line-height: 1.4;
}
.btn:focus-visible { outline: 2px solid var(--color-secondary); outline-offset: 2px; }
.btn-primary { background: var(--color-primary); color: #fff; }
.btn-primary:hover { background: var(--color-primary-hover); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-secondary { background: var(--color-bg-card); color: var(--color-heading, var(--color-primary)); border: 2px solid var(--color-heading, var(--color-primary)); }
.btn-secondary:hover { background: var(--color-heading, var(--color-primary)); color: var(--color-bg); }
.btn-accent { background: var(--color-accent); color: #fff; }
.btn-accent:hover { background: var(--color-accent-dark); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-lg { padding: var(--space-4) var(--space-8); font-size: var(--text-base); }

.fade-up { opacity: 0; transform: translateY(20px); transition: opacity var(--duration-slow) var(--ease), transform var(--duration-slow) var(--ease); }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up-d1 { transition-delay: 100ms; }
.fade-up-d2 { transition-delay: 200ms; }
.fade-up-d3 { transition-delay: 300ms; }
.fade-up-d4 { transition-delay: 400ms; }

/* ── Section Dividers ── */
.section-divider { margin: 0; padding: 0; line-height: 0; overflow: hidden; position: relative; z-index: 1; margin-top: -2px; margin-bottom: -2px; pointer-events: none; }
.section-divider svg { display: block; width: 100%; height: 80px; }
.section-divider--animated { overflow: hidden; }
.section-divider--animated svg { width: 200%; animation: wave-drift 15s linear infinite; }
@keyframes wave-drift { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (min-width: 768px) { .section-divider svg { height: 100px; } }
@media (min-width: 1200px) { .section-divider svg { height: 120px; } }
@media (prefers-reduced-motion: reduce) { .section-divider--animated svg { animation: none; width: 100%; } }

.form-group { margin-bottom: var(--space-5); }
.form-group label {
  display: block; font-weight: 600; font-size: var(--text-sm);
  color: var(--color-primary); margin-bottom: var(--space-1);
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%; padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border); border-radius: var(--radius);
  font-family: var(--font-body); font-size: var(--text-sm);
  color: var(--color-text); background: var(--color-bg-card);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  outline: none; border-color: var(--color-secondary);
  box-shadow: 0 0 0 3px rgba(61,123,158,0.12);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-row { display: grid; gap: var(--space-4); }
.form-row.cols-2 { grid-template-columns: 1fr 1fr; }
.form-row.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.form-msg {
  display: flex; align-items: center; gap: var(--space-2);
  padding: var(--space-4) var(--space-5); border-radius: var(--radius);
  margin-top: var(--space-4); font-size: var(--text-sm); font-weight: 500;
  animation: fadeUp 0.3s ease both;
}
.form-msg--success { background: #e8f5e9; color: #2e7d32; border: 1px solid #a5d6a7; }
.form-msg--error { background: #fce4ec; color: #c62828; border: 1px solid #ef9a9a; }
@keyframes fadeUp { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }
.field-error { border-color: #c62828 !important; box-shadow: 0 0 0 3px rgba(198,40,40,0.12) !important; }
.field-error-msg { color: #c62828; font-size: var(--text-xs); margin-top: var(--space-1); font-weight: 500; }

@media (max-width: 768px) {
  .form-row.cols-2, .form-row.cols-3 { grid-template-columns: 1fr; }
}

/* ── Page Header ── */
.page-section-wrap { margin: 0; padding: 0; }
.page-header {
  background: var(--page-header-bg, linear-gradient(135deg, var(--color-primary-dark), var(--color-primary)));
  color: var(--page-header-color, #fff);
  padding: var(--space-12) 0 var(--space-10); margin: 0;
  overflow: hidden;
}
.page-header h1 {
  font-family: var(--font-display);
  font-size: clamp(var(--text-2xl), 3.5vw, var(--text-3xl));
  color: var(--page-header-heading-color, inherit);
  text-align: center; margin: 0 0 var(--space-2) 0;
}
.page-header p {
  color: var(--page-header-subtitle-color, rgba(255,255,255,0.85));
  margin-top: var(--space-2); font-size: var(--text-lg); max-width: none; text-align: center;
}

/* ── Content Area ── */
.content-area { padding: var(--space-12) 0; }
.content-area p { margin-bottom: var(--space-4); max-width: var(--max-w-prose); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-12); align-items: start; }
.two-col-wide { display: grid; grid-template-columns: 1.4fr 1fr; gap: var(--space-12); align-items: start; }

/* ── Sidebar ── */
.sidebar-info {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); box-shadow: var(--shadow);
  border-top: 4px solid var(--color-accent);
}
.sidebar-info h3 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-4); }
.sidebar-info p { font-size: var(--text-sm); margin-bottom: var(--space-2); }
.info-line {
  display: flex; align-items: center; gap: var(--space-2);
  margin-bottom: var(--space-2); font-size: var(--text-sm);
}
.info-line .ico { color: var(--color-secondary); font-size: var(--text-lg); width: 24px; text-align: center; }
.back-link {
  display: inline-flex; align-items: center; gap: var(--space-1);
  margin-bottom: var(--space-6); font-weight: 600; font-size: var(--text-sm); color: var(--color-secondary);
}

/* ── Cards (multi-page) ── */
.cards { display: grid; gap: var(--space-6); }
.cards-3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); box-shadow: var(--shadow);
  border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card .card-icon {
  width: 48px; height: 48px; border-radius: var(--radius);
  background: var(--color-bg-alt); display: flex; align-items: center; justify-content: center;
  font-size: var(--text-xl); margin-bottom: var(--space-4);
}
.card h3 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-2); font-size: var(--text-lg); }
.card p { font-size: var(--text-sm); color: var(--color-text-muted); margin-bottom: 0; }

/* ── Customer Portal ── */
.portal-list { max-width: 600px; margin: 0 auto; }
.portal-item {
  display: flex; align-items: center; gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  border: 1px solid var(--color-border); border-radius: var(--radius-md);
  margin-bottom: var(--space-3); text-decoration: none;
  color: var(--color-text); transition: all var(--transition);
  background: var(--color-bg-card);
}
.portal-item:hover { border-color: var(--color-primary); background: var(--color-bg-muted); }
.portal-item .portal-icon { font-size: 24px; width: 40px; text-align: center; }
.portal-item .portal-label { font-size: var(--text-base); font-weight: 600; color: var(--color-primary); }
.portal-item .portal-desc { font-size: var(--text-xs); color: var(--color-text-muted); }

/* ── Quote Pages ── */
.disclosure-box {
  background: var(--color-bg-muted); border: 1px solid var(--color-border);
  border-radius: var(--radius-md); padding: var(--space-6); margin-bottom: var(--space-6);
}
.disclosure-box h3 { color: var(--color-primary); margin-bottom: var(--space-3); font-size: var(--text-base); }
.disclosure-box ul { list-style: disc; padding-left: var(--space-5); color: var(--color-text); }
.disclosure-box li { margin-bottom: var(--space-2); font-size: var(--text-sm); line-height: var(--leading-relaxed); }
.option-cards { display: grid; gap: var(--space-5); }
.option-cards.cols-2 { grid-template-columns: 1fr 1fr; }
.option-cards.cols-3 { grid-template-columns: repeat(3, 1fr); }
.option-card {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  background: var(--color-bg-card); border: 2px solid var(--color-border);
  border-radius: var(--radius-md); padding: var(--space-8) var(--space-6);
  text-align: center; cursor: pointer; text-decoration: none;
  color: var(--color-primary); transition: all var(--transition);
}
.option-card:hover { border-color: var(--color-primary); box-shadow: var(--shadow); transform: translateY(-2px); }
.option-card .opt-icon { font-size: 2rem; margin-bottom: var(--space-3); }
.option-card h3 { font-family: var(--font-display); font-size: var(--text-lg); margin-bottom: var(--space-1); }
.option-card p { font-size: var(--text-xs); color: var(--color-text-muted); margin-bottom: 0; }
.product-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: var(--space-5); margin-top: var(--space-6); }
.product-card {
  background: var(--color-bg-card); border: 2px solid var(--color-border);
  border-radius: var(--radius-md); padding: var(--space-6) var(--space-4);
  text-align: center; cursor: pointer; text-decoration: none;
  color: var(--color-primary); transition: all var(--transition);
}
.product-card:hover { border-color: var(--color-secondary); box-shadow: var(--shadow); }
.product-card .prod-icon { font-size: 2.5rem; margin-bottom: var(--space-2); }
.product-card h4 { font-size: var(--text-sm); font-weight: 600; }
.form-section { margin-top: var(--space-8); padding-top: var(--space-6); border-top: 1px solid var(--color-border-light); }
.form-section h3 { font-family: var(--font-display); color: var(--color-primary); font-size: var(--text-lg); margin-bottom: var(--space-4); }
.checkbox-group { display: flex; align-items: flex-start; gap: var(--space-2); }
.checkbox-group input[type="checkbox"] { margin-top: var(--space-1); accent-color: var(--color-primary); }

/* ── Team (multi-page) ── */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: var(--space-6); }
.team-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-6); text-align: center;
  box-shadow: var(--shadow); border-top: 4px solid var(--color-primary);
}
.team-card .avatar {
  width: 64px; height: 64px; border-radius: 50%; margin: 0 auto var(--space-3);
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: var(--text-lg); font-weight: 700;
  overflow: hidden;
}
.team-card .avatar--photo { background: var(--color-bg-alt); padding: 0; }
.team-card .avatar--photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-card h3 { color: var(--color-primary); font-size: var(--text-base); margin-bottom: var(--space-1); }
.team-card .team-title { font-size: var(--text-sm); color: var(--color-accent); font-weight: 600; margin-bottom: var(--space-2); }
.team-card .team-email { color: var(--color-secondary); font-size: var(--text-sm); word-break: break-all; }
.team-card .team-phone { color: var(--color-text-muted); font-size: var(--text-sm); }

/* ── Two-column about layout (location pages) ── */
.two-col-about { display: grid; grid-template-columns: 1fr 320px; gap: var(--space-8); align-items: start; }
.back-link { font-size: var(--text-sm); font-weight: 600; color: var(--color-secondary); text-decoration: none; }
.back-link:hover { color: var(--color-primary); }

/* ── Accordion (contact page locations) ── */
.accordion { border: 1px solid var(--color-border); border-radius: var(--radius); overflow: hidden; }
.accordion-item { border-bottom: 1px solid var(--color-border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: var(--space-3) var(--space-4); cursor: pointer;
  font-weight: 600; font-size: var(--text-sm); color: var(--color-primary);
  background: var(--color-bg-card); transition: background var(--transition);
}
.accordion-header:hover { background: var(--color-bg-muted); }
.accordion-header .acc-arrow { transition: transform var(--transition); font-size: var(--text-xs); color: var(--color-text-light); }
.accordion-item.open .acc-arrow { transform: rotate(180deg); }
.accordion-body {
  display: none; padding: 0 var(--space-4) var(--space-4);
  font-size: var(--text-sm); line-height: var(--leading-relaxed); color: var(--color-text-muted);
}
.accordion-body p { margin-bottom: var(--space-1); }
.accordion-item.open .accordion-body { display: block; }

@media (max-width: 768px) {
  .page-header { padding: var(--space-8) 0 var(--space-6); }
  .two-col, .two-col-wide, .two-col-about { grid-template-columns: 1fr; gap: var(--space-8); }
  .option-cards.cols-2, .option-cards.cols-3 { grid-template-columns: 1fr; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .product-grid { grid-template-columns: 1fr; }
}

/* ── Nav: sticky-minimal ── */
.nav--minimal {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: var(--color-bg);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border-light);
  transition: box-shadow var(--transition), background var(--transition);
}
.nav--minimal.scrolled {
  box-shadow: var(--shadow);
  background: var(--color-bg); box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}
.nav--minimal .header-main {
  display: flex; align-items: center; justify-content: space-between;
  padding: var(--space-3) 0; gap: var(--space-4);
}
.nav--minimal .logo-group {
  display: flex; align-items: center; gap: var(--space-3); text-decoration: none;
}
.nav--minimal .logo-circle {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: var(--text-sm); font-family: var(--font-display);
}
.nav--minimal .logo-mark { width: 40px; height: 40px; }
.nav--minimal .logo-mark img { width: 100%; height: 100%; object-fit: contain; border-radius: var(--radius-sm); }
.nav--minimal .logo-text strong {
  font-family: var(--font-display); font-size: var(--text-lg);
  color: var(--color-heading); letter-spacing: var(--tracking-tight);
}
.nav--minimal .main-nav ul {
  display: flex; align-items: center; gap: var(--space-1); list-style: none;
}
.nav--minimal .main-nav a {
  display: block; padding: var(--space-2) var(--space-3);
  font-weight: 500; font-size: var(--text-sm); color: var(--color-text);
  border-radius: var(--radius); transition: color var(--transition-fast), background var(--transition-fast);
  text-decoration: none;
}
.nav--minimal .main-nav a:hover { color: var(--color-primary); background: var(--color-bg-muted); }
.nav--minimal .main-nav .btn { margin-left: var(--space-2); }
.nav--minimal .header-phone {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-4); border-radius: var(--radius-full);
  background: var(--color-primary); color: #fff;
  font-weight: 600; font-size: var(--text-sm); text-decoration: none;
  transition: background var(--transition);
}
.nav--minimal .header-phone:hover { background: var(--color-primary-hover); color: #fff; }
.nav--minimal .nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  padding: var(--space-2); flex-direction: column; gap: 5px;
}
.nav--minimal .nav-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--color-primary); border-radius: 2px;
  transition: all var(--transition);
}
body { padding-top: 64px; }

.nav--minimal .nav-dropdown { position: relative; }
.nav--minimal .nav-dropdown > a::after { content: ' ▾'; font-size: 0.7em; }
.nav--minimal .nav-dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0; z-index: 200;
  min-width: 220px; background: var(--color-bg-card);
  border: 1px solid var(--color-border); border-radius: var(--radius);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15); padding: var(--space-1) 0;
}
.nav--minimal .nav-dropdown:hover .nav-dropdown-menu { display: block; }
.nav--minimal .nav-dropdown-menu a { display: block; padding: var(--space-2) var(--space-4); font-size: var(--text-sm); font-weight: 500; color: var(--color-heading); white-space: nowrap; }
.nav--minimal .nav-dropdown-menu a:hover { background: var(--color-bg-muted); }

@media (max-width: 768px) {
  .nav--minimal .header-phone { display: none; }
  .nav--minimal .nav-toggle { display: flex; }
  .nav--minimal .main-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--color-bg-card); border-top: 1px solid var(--color-border);
    box-shadow: var(--shadow-lg); padding: var(--space-3);
  }
  .nav--minimal .main-nav.open { display: block; }
  .nav--minimal .main-nav ul { flex-direction: column; gap: 0; }
  .nav--minimal .main-nav a { padding: var(--space-3) var(--space-4); }
  .nav--minimal .main-nav .btn { margin-left: 0; margin-top: var(--space-2); text-align: center; }
  .nav--minimal .nav-dropdown-menu { position: static; box-shadow: none; border: none; padding-left: var(--space-4); display: none; min-width: 0; }
  .nav--minimal .nav-dropdown.open > .nav-dropdown-menu { display: block; }
}

/* ── Footer: columns-dark ── */
.footer-logo { text-align: center; padding-bottom: var(--space-6); margin-bottom: var(--space-6); border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-logo__img { max-height: 60px; object-fit: contain; opacity: 0.9; }
.footer-logo__img:hover { opacity: 1; }
.footer-logo__circle { display: inline-flex; width: 56px; height: 56px; border-radius: 50%; background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.9); align-items: center; justify-content: center; font-size: var(--text-lg); font-weight: 700; font-family: var(--font-display); text-decoration: none; }
.footer-partner { margin-top: var(--space-4); text-align: center; }
.footer-partner__img { max-height: 40px; object-fit: contain; opacity: 0.7; transition: opacity 0.2s; }
.footer-partner__img:hover { opacity: 1; }
.footer--columns {
  background: var(--color-primary-dark); color: rgba(255,255,255,0.75);
  padding: var(--space-12) 0 var(--space-6);
}
.footer--columns .footer-grid {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr;
  gap: var(--space-8); margin-bottom: var(--space-8);
}
.footer--columns .footer-col h4 {
  font-family: var(--font-display); color: var(--color-accent);
  margin-bottom: var(--space-4); font-size: var(--text-base);
}
.footer--columns .footer-col p,
.footer--columns .footer-col li { font-size: var(--text-sm); line-height: var(--leading-relaxed); }
.footer--columns .footer-col ul { list-style: none; }
.footer--columns .footer-col li { margin-bottom: var(--space-1); }
.footer--columns .footer-col a { color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 2px; transition: color var(--transition-fast); }
.footer--columns .footer-col a:hover { color: var(--color-accent); }
.footer--columns .footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: var(--space-5);
  display: flex; justify-content: space-between; flex-wrap: wrap;
  gap: var(--space-2); font-size: var(--text-xs);
}
.footer--columns .footer-bottom a { color: rgba(255,255,255,0.6); text-decoration: underline; }
.footer--columns .footer-bottom a:hover { color: var(--color-accent); }
.footer--columns .footer-states { font-style: italic; opacity: 0.65; }

@media (max-width: 768px) { .footer--columns .footer-grid { grid-template-columns: 1fr; gap: var(--space-6); } }

/* ── Mobile Bar: full-actions ── */
.mobile-bar--full {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 99;
  background: var(--color-primary-dark);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: var(--space-1) 0;
  padding-bottom: max(var(--space-1), env(safe-area-inset-bottom));
}
.mobile-bar--full a {
  display: flex; flex-direction: column; align-items: center; gap: 1px;
  flex: 1; padding: var(--space-2);
  color: rgba(255,255,255,0.75); text-decoration: none;
  font-size: 10px; font-weight: 600; text-transform: uppercase;
  letter-spacing: 0.04em; transition: color var(--transition-fast);
}
.mobile-bar--full a:active { color: #fff; transform: scale(0.95); }
.mobile-bar--full .mobile-bar__item--call { color: #fff; }

@media (max-width: 768px) {
  .mobile-bar--full { display: flex; }
  body { padding-bottom: 64px; }
  .site-footer { padding-bottom: var(--space-16); }
}

/* ── Hero: centered-cta ── */
.hero--centered {
  position: relative; overflow: hidden;
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 50%, var(--color-secondary) 100%);
  color: #fff;
}
/* Background image mode */
.hero--centered.hero--has-image {
  background-size: cover; background-position: center;
  background-repeat: no-repeat;
}
.hero--centered.hero--has-image .hero__bg {
  background: linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.45) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 80%, rgba(255,255,255,0.04) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 20%, rgba(255,255,255,0.03) 0%, transparent 50%),
    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='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/svg%3E");
}
.hero--has-image .hero__bg {
  /* Override the pattern with just the dark overlay when we have an image */
  background:
    linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.4) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__content {
  position: relative; z-index: 1;
  padding: var(--space-24) 0 var(--space-16);
  max-width: 780px; margin: 0 auto;
  text-align: center;
}
.hero__badge-wrap { text-align: center; margin-bottom: var(--space-6); }
.hero__badge {
  display: inline-block; padding: var(--space-2) var(--space-5);
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-full); font-size: var(--text-sm);
  font-weight: 500; letter-spacing: var(--tracking-wide);
  color: rgba(255,255,255,0.9);
}
.hero--has-image .hero__badge {
  background: rgba(255,255,255,0.15); backdrop-filter: blur(4px);
}
.hero--centered h1 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.2rem); line-height: var(--leading-tight);
  color: #fff; margin-bottom: var(--space-5); letter-spacing: var(--tracking-tight);
  text-align: center;
}
.hero--has-image h1 { text-shadow: 0 2px 8px rgba(0,0,0,0.3); }
.hero__sub {
  font-size: var(--text-lg); line-height: var(--leading-relaxed);
  opacity: 0.85; max-width: 600px; margin: 0 auto var(--space-8);
  font-weight: 300; text-align: center;
}
.hero--has-image .hero__sub { text-shadow: 0 1px 4px rgba(0,0,0,0.2); }
.hero__actions {
  display: flex; align-items: center; justify-content: center;
  gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-10);
}
.btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
  display: inline-flex; align-items: center; gap: var(--space-2);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
.hero__trust-wrap { text-align: center; }
.hero__trust {
  display: inline-flex; align-items: center; gap: var(--space-6);
  padding: var(--space-5) var(--space-8);
  background: rgba(255,255,255,0.07); backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-md);
}
.hero--has-image .hero__trust {
  background: rgba(0,0,0,0.3); border-color: rgba(255,255,255,0.15);
}
.hero__trust-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); }
.hero__trust-item { text-align: center; }
.hero__trust-num {
  display: block; font-family: var(--font-display); font-size: var(--text-2xl);
  font-weight: 700; color: var(--color-accent); line-height: 1;
}
.hero__trust-label {
  display: block; font-size: var(--text-xs); font-weight: 500;
  text-transform: uppercase; letter-spacing: var(--tracking-wide);
  opacity: 0.7; margin-top: var(--space-1);
}

@media (max-width: 768px) {
  .hero__content { padding: var(--space-16) 0 var(--space-10); }
  .hero__trust { flex-direction: column; gap: var(--space-3); padding: var(--space-4) var(--space-6); }
  .hero__trust-sep { width: 60px; height: 1px; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }
}

/* ── Services: icon-grid ── */
.section-services { background: var(--color-bg); }
.section-header { max-width: 600px; margin: 0 auto var(--space-12); }
.section-eyebrow {
  font-family: var(--font-body); font-size: var(--text-sm); font-weight: 600;
  text-transform: uppercase; letter-spacing: var(--tracking-widest);
  color: var(--color-accent); margin-bottom: var(--space-3);
}
.svc-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: var(--space-6);
}
.svc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8) var(--space-6); text-align: center;
  border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.svc-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
  border-color: var(--color-secondary);
}
.svc-card__icon {
  width: 56px; height: 56px; margin: 0 auto var(--space-4);
  border-radius: var(--radius); font-size: 1.75rem;
  background: var(--color-bg-alt);
  display: flex; align-items: center; justify-content: center;
}
.svc-card__photo { margin-bottom: var(--space-4); border-radius: var(--radius); overflow: hidden; }
.svc-card__photo img { width: 100%; height: 160px; object-fit: cover; display: block; }
.svc-card__title {
  font-family: var(--font-display); font-size: var(--text-lg);
  color: var(--color-heading); margin-bottom: var(--space-2);
}
.svc-card__desc {
  font-size: var(--text-sm); color: var(--color-text-muted);
  line-height: var(--leading-relaxed); margin-bottom: var(--space-4);
}
.svc-card__link {
  font-size: var(--text-sm); font-weight: 600;
  color: var(--color-secondary); text-decoration: none;
  transition: color var(--transition-fast);
}
.svc-card__link:hover { color: var(--color-primary); }

@media (max-width: 768px) {
  .svc-grid { grid-template-columns: 1fr; }
  .svc-card { padding: var(--space-6); }
}

/* ── About: split-content ── */
.section-about { background: var(--color-bg-muted); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-12); align-items: start; }
.about-image img { width: 100%; border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
.about-text p { font-size: var(--text-base); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: var(--space-8); max-width: none; }
.about-highlights { display: flex; gap: var(--space-8); }
.about-highlight { text-align: center; }
.about-highlight__num {
  display: block; font-family: var(--font-display); font-size: var(--text-3xl);
  font-weight: 700; color: var(--color-heading); line-height: 1;
}
.about-highlight__label { display: block; font-size: var(--text-xs); color: var(--color-text-muted); font-weight: 500; margin-top: var(--space-1); text-transform: uppercase; letter-spacing: var(--tracking-wide); }
.about-values { display: flex; flex-direction: column; gap: var(--space-5); }
.value-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-6); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.value-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.value-card__icon {
  width: 44px; height: 44px; border-radius: var(--radius);
  background: var(--color-bg-alt); color: var(--color-heading);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-3);
}
.value-card h4 { font-family: var(--font-display); color: var(--color-heading); font-size: var(--text-base); margin-bottom: var(--space-2); }
.value-card p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: 0; }

@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .about-highlights { flex-direction: row; gap: var(--space-6); justify-content: center; }
}

/* ── Carriers: card-v2-detail ── */
.cc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
.cc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.cc-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.cc-header {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-4) var(--space-5); border-bottom: 1px solid var(--color-border-light);
}
.cc-logo {
  max-width: 120px; height: auto; max-height: 48px; border-radius: var(--radius);
  object-fit: contain; background: var(--color-bg-card);
  border: 1px solid var(--color-border-light); padding: 4px; flex-shrink: 0;
}
.cc-logo--wordmark {
  width: auto;
  max-width: 120px;
  height: auto;
  max-height: 52px;
  object-fit: contain;
}
.cc-name { font-weight: 600; font-size: var(--text-base); color: var(--color-heading); font-family: var(--font-display); }
.cc-domain { font-size: var(--text-xs); color: var(--color-text-muted); }
.cc-domain a { color: var(--color-secondary); }
.cc-info { padding: var(--space-3) var(--space-5); font-size: var(--text-sm); color: var(--color-text-muted); }
.cc-val { color: var(--color-text); font-weight: 500; }
.cc-val--muted { font-style: italic; font-weight: 400; color: var(--color-text-light); }
.cc-actions { display: flex; gap: var(--space-2); padding: 0 var(--space-5) var(--space-4); }
.cc-btn {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: var(--space-1);
  padding: var(--space-2) var(--space-3); border-radius: var(--radius);
  font-size: var(--text-xs); font-weight: 600;
  text-decoration: none; text-align: center; transition: all var(--transition);
}
.cc-btn--claims {
  background: rgba(61,123,158,0.08); color: var(--color-secondary);
  border: 1px solid rgba(61,123,158,0.2);
}
.cc-btn--claims:hover { background: rgba(61,123,158,0.15); }
.cc-btn--payment {
  background: rgba(27,46,90,0.06); color: var(--color-primary);
  border: 1px solid rgba(27,46,90,0.15);
}
.cc-btn--payment:hover { background: rgba(27,46,90,0.12); }
.cc-btn--disabled { opacity: 0.4; pointer-events: none; }

@media (max-width: 768px) { .cc-grid { grid-template-columns: 1fr; } }

/* ── Team: card-grid ── */
.section-team { background: var(--color-bg-muted); }
.team-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: var(--space-6);
}
.team-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); text-align: center;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--color-primary);
  transition: transform var(--transition), box-shadow var(--transition);
}
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.team-card__avatar {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto var(--space-4);
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: var(--text-xl); font-weight: 700;
  letter-spacing: 1px; overflow: hidden;
}
.team-card__avatar--photo { background: var(--color-bg-alt); padding: 0; }
.team-card__avatar--photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-card__avatar--silhouette { background: none; padding: 0; }
.team-card__avatar--silhouette svg { width: 100%; height: 100%; border-radius: 50%; }
.team-card__name { font-family: var(--font-display); font-size: var(--text-lg); color: var(--color-heading); margin-bottom: var(--space-1); }
.team-card__role { font-size: var(--text-sm); color: var(--color-accent); font-weight: 600; margin-bottom: var(--space-3); }
.team-card__contact { display: flex; flex-direction: column; gap: var(--space-1); }
.team-card__email, .team-card__phone {
  font-size: var(--text-sm); color: var(--color-text-muted); text-decoration: none;
  transition: color var(--transition-fast);
}
.team-card__email:hover, .team-card__phone:hover { color: var(--color-secondary); }
.team-card__location {
  margin-top: var(--space-2); font-size: var(--text-xs);
  color: var(--color-text-muted); font-weight: 500;
}

@media (max-width: 768px) { .team-grid { grid-template-columns: 1fr; } }

/* ── CTA: band ── */
.cta-band {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: #fff; padding: var(--space-16) 0; text-align: center;
}
.cta-band h2 { font-family: var(--font-display); color: var(--color-accent); font-size: clamp(var(--text-2xl), 3vw, var(--text-3xl)); margin-bottom: var(--space-3); }
.cta-band p { font-size: var(--text-lg); opacity: 0.85; max-width: 540px; margin: 0 auto var(--space-8); }
.cta-band__actions { display: flex; justify-content: center; gap: var(--space-4); flex-wrap: wrap; }
.cta-band .btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
}
.cta-band .btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
@media (max-width: 768px) {
  .cta-band__actions { flex-direction: column; align-items: center; }
  .cta-band__actions .btn { width: 100%; max-width: 320px; justify-content: center; }
}

/* ── Hero: centered-cta ── */
.hero--centered {
  position: relative; overflow: hidden;
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 50%, var(--color-secondary) 100%);
  color: #fff;
}
/* Background image mode */
.hero--centered.hero--has-image {
  background-size: cover; background-position: center;
  background-repeat: no-repeat;
}
.hero--centered.hero--has-image .hero__bg {
  background: linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.45) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 80%, rgba(255,255,255,0.04) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 20%, rgba(255,255,255,0.03) 0%, transparent 50%),
    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='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/svg%3E");
}
.hero--has-image .hero__bg {
  /* Override the pattern with just the dark overlay when we have an image */
  background:
    linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.4) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__content {
  position: relative; z-index: 1;
  padding: var(--space-24) 0 var(--space-16);
  max-width: 780px; margin: 0 auto;
  text-align: center;
}
.hero__badge-wrap { text-align: center; margin-bottom: var(--space-6); }
.hero__badge {
  display: inline-block; padding: var(--space-2) var(--space-5);
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-full); font-size: var(--text-sm);
  font-weight: 500; letter-spacing: var(--tracking-wide);
  color: rgba(255,255,255,0.9);
}
.hero--has-image .hero__badge {
  background: rgba(255,255,255,0.15); backdrop-filter: blur(4px);
}
.hero--centered h1 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.2rem); line-height: var(--leading-tight);
  color: #fff; margin-bottom: var(--space-5); letter-spacing: var(--tracking-tight);
  text-align: center;
}
.hero--has-image h1 { text-shadow: 0 2px 8px rgba(0,0,0,0.3); }
.hero__sub {
  font-size: var(--text-lg); line-height: var(--leading-relaxed);
  opacity: 0.85; max-width: 600px; margin: 0 auto var(--space-8);
  font-weight: 300; text-align: center;
}
.hero--has-image .hero__sub { text-shadow: 0 1px 4px rgba(0,0,0,0.2); }
.hero__actions {
  display: flex; align-items: center; justify-content: center;
  gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-10);
}
.btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
  display: inline-flex; align-items: center; gap: var(--space-2);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
.hero__trust-wrap { text-align: center; }
.hero__trust {
  display: inline-flex; align-items: center; gap: var(--space-6);
  padding: var(--space-5) var(--space-8);
  background: rgba(255,255,255,0.07); backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-md);
}
.hero--has-image .hero__trust {
  background: rgba(0,0,0,0.3); border-color: rgba(255,255,255,0.15);
}
.hero__trust-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); }
.hero__trust-item { text-align: center; }
.hero__trust-num {
  display: block; font-family: var(--font-display); font-size: var(--text-2xl);
  font-weight: 700; color: var(--color-accent); line-height: 1;
}
.hero__trust-label {
  display: block; font-size: var(--text-xs); font-weight: 500;
  text-transform: uppercase; letter-spacing: var(--tracking-wide);
  opacity: 0.7; margin-top: var(--space-1);
}

@media (max-width: 768px) {
  .hero__content { padding: var(--space-16) 0 var(--space-10); }
  .hero__trust { flex-direction: column; gap: var(--space-3); padding: var(--space-4) var(--space-6); }
  .hero__trust-sep { width: 60px; height: 1px; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }
}

/* ── Services: icon-grid ── */
.section-services { background: var(--color-bg); }
.section-header { max-width: 600px; margin: 0 auto var(--space-12); }
.section-eyebrow {
  font-family: var(--font-body); font-size: var(--text-sm); font-weight: 600;
  text-transform: uppercase; letter-spacing: var(--tracking-widest);
  color: var(--color-accent); margin-bottom: var(--space-3);
}
.svc-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: var(--space-6);
}
.svc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8) var(--space-6); text-align: center;
  border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.svc-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
  border-color: var(--color-secondary);
}
.svc-card__icon {
  width: 56px; height: 56px; margin: 0 auto var(--space-4);
  border-radius: var(--radius); font-size: 1.75rem;
  background: var(--color-bg-alt);
  display: flex; align-items: center; justify-content: center;
}
.svc-card__photo { margin-bottom: var(--space-4); border-radius: var(--radius); overflow: hidden; }
.svc-card__photo img { width: 100%; height: 160px; object-fit: cover; display: block; }
.svc-card__title {
  font-family: var(--font-display); font-size: var(--text-lg);
  color: var(--color-heading); margin-bottom: var(--space-2);
}
.svc-card__desc {
  font-size: var(--text-sm); color: var(--color-text-muted);
  line-height: var(--leading-relaxed); margin-bottom: var(--space-4);
}
.svc-card__link {
  font-size: var(--text-sm); font-weight: 600;
  color: var(--color-secondary); text-decoration: none;
  transition: color var(--transition-fast);
}
.svc-card__link:hover { color: var(--color-primary); }

@media (max-width: 768px) {
  .svc-grid { grid-template-columns: 1fr; }
  .svc-card { padding: var(--space-6); }
}

/* ── About: split-content ── */
.section-about { background: var(--color-bg-muted); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-12); align-items: start; }
.about-image img { width: 100%; border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
.about-text p { font-size: var(--text-base); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: var(--space-8); max-width: none; }
.about-highlights { display: flex; gap: var(--space-8); }
.about-highlight { text-align: center; }
.about-highlight__num {
  display: block; font-family: var(--font-display); font-size: var(--text-3xl);
  font-weight: 700; color: var(--color-heading); line-height: 1;
}
.about-highlight__label { display: block; font-size: var(--text-xs); color: var(--color-text-muted); font-weight: 500; margin-top: var(--space-1); text-transform: uppercase; letter-spacing: var(--tracking-wide); }
.about-values { display: flex; flex-direction: column; gap: var(--space-5); }
.value-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-6); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.value-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.value-card__icon {
  width: 44px; height: 44px; border-radius: var(--radius);
  background: var(--color-bg-alt); color: var(--color-heading);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-3);
}
.value-card h4 { font-family: var(--font-display); color: var(--color-heading); font-size: var(--text-base); margin-bottom: var(--space-2); }
.value-card p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: 0; }

@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .about-highlights { flex-direction: row; gap: var(--space-6); justify-content: center; }
}

/* ── Carriers: card-v2-detail ── */
.cc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
.cc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.cc-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.cc-header {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-4) var(--space-5); border-bottom: 1px solid var(--color-border-light);
}
.cc-logo {
  max-width: 120px; height: auto; max-height: 48px; border-radius: var(--radius);
  object-fit: contain; background: var(--color-bg-card);
  border: 1px solid var(--color-border-light); padding: 4px; flex-shrink: 0;
}
.cc-logo--wordmark {
  width: auto;
  max-width: 120px;
  height: auto;
  max-height: 52px;
  object-fit: contain;
}
.cc-name { font-weight: 600; font-size: var(--text-base); color: var(--color-heading); font-family: var(--font-display); }
.cc-domain { font-size: var(--text-xs); color: var(--color-text-muted); }
.cc-domain a { color: var(--color-secondary); }
.cc-info { padding: var(--space-3) var(--space-5); font-size: var(--text-sm); color: var(--color-text-muted); }
.cc-val { color: var(--color-text); font-weight: 500; }
.cc-val--muted { font-style: italic; font-weight: 400; color: var(--color-text-light); }
.cc-actions { display: flex; gap: var(--space-2); padding: 0 var(--space-5) var(--space-4); }
.cc-btn {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: var(--space-1);
  padding: var(--space-2) var(--space-3); border-radius: var(--radius);
  font-size: var(--text-xs); font-weight: 600;
  text-decoration: none; text-align: center; transition: all var(--transition);
}
.cc-btn--claims {
  background: rgba(61,123,158,0.08); color: var(--color-secondary);
  border: 1px solid rgba(61,123,158,0.2);
}
.cc-btn--claims:hover { background: rgba(61,123,158,0.15); }
.cc-btn--payment {
  background: rgba(27,46,90,0.06); color: var(--color-primary);
  border: 1px solid rgba(27,46,90,0.15);
}
.cc-btn--payment:hover { background: rgba(27,46,90,0.12); }
.cc-btn--disabled { opacity: 0.4; pointer-events: none; }

@media (max-width: 768px) { .cc-grid { grid-template-columns: 1fr; } }

/* ── Team: card-grid ── */
.section-team { background: var(--color-bg-muted); }
.team-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: var(--space-6);
}
.team-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); text-align: center;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--color-primary);
  transition: transform var(--transition), box-shadow var(--transition);
}
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.team-card__avatar {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto var(--space-4);
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: var(--text-xl); font-weight: 700;
  letter-spacing: 1px; overflow: hidden;
}
.team-card__avatar--photo { background: var(--color-bg-alt); padding: 0; }
.team-card__avatar--photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-card__avatar--silhouette { background: none; padding: 0; }
.team-card__avatar--silhouette svg { width: 100%; height: 100%; border-radius: 50%; }
.team-card__name { font-family: var(--font-display); font-size: var(--text-lg); color: var(--color-heading); margin-bottom: var(--space-1); }
.team-card__role { font-size: var(--text-sm); color: var(--color-accent); font-weight: 600; margin-bottom: var(--space-3); }
.team-card__contact { display: flex; flex-direction: column; gap: var(--space-1); }
.team-card__email, .team-card__phone {
  font-size: var(--text-sm); color: var(--color-text-muted); text-decoration: none;
  transition: color var(--transition-fast);
}
.team-card__email:hover, .team-card__phone:hover { color: var(--color-secondary); }
.team-card__location {
  margin-top: var(--space-2); font-size: var(--text-xs);
  color: var(--color-text-muted); font-weight: 500;
}

@media (max-width: 768px) { .team-grid { grid-template-columns: 1fr; } }

/* ── CTA: band ── */
.cta-band {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: #fff; padding: var(--space-16) 0; text-align: center;
}
.cta-band h2 { font-family: var(--font-display); color: var(--color-accent); font-size: clamp(var(--text-2xl), 3vw, var(--text-3xl)); margin-bottom: var(--space-3); }
.cta-band p { font-size: var(--text-lg); opacity: 0.85; max-width: 540px; margin: 0 auto var(--space-8); }
.cta-band__actions { display: flex; justify-content: center; gap: var(--space-4); flex-wrap: wrap; }
.cta-band .btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
}
.cta-band .btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
@media (max-width: 768px) {
  .cta-band__actions { flex-direction: column; align-items: center; }
  .cta-band__actions .btn { width: 100%; max-width: 320px; justify-content: center; }
}

/* ── Contact: two-col-form-accordion extras ── */
.map-embed {
  width: 100%; height: 280px; border-radius: var(--radius);
  overflow: hidden; border: 1px solid var(--color-border-light);
}
.map-embed iframe { width: 100%; height: 100%; border: none; }

/* ── Quote: inline-compact ── */
.section-quote {
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
  padding: var(--space-20) 0;
}
.quote-wrap {
  max-width: 640px; margin: 0 auto;
}
.quote-header { text-align: center; margin-bottom: var(--space-8); }
.quote-form {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); box-shadow: var(--shadow-lg);
}
.quote-types { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-2); }
.quote-type-option {
  display: flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-4); border: 1.5px solid var(--color-border);
  border-radius: var(--radius-full); font-size: var(--text-sm); font-weight: 500;
  cursor: pointer; transition: all var(--transition-fast); color: var(--color-text);
}
.quote-type-option:hover { border-color: var(--color-primary); color: var(--color-primary); }
.quote-type-option input { accent-color: var(--color-primary); }
.quote-type-option:has(input:checked) {
  background: var(--color-bg-alt); border-color: var(--color-primary); color: var(--color-primary); font-weight: 600;
}
.quote-disclosure { font-size: var(--text-xs); color: var(--color-text-light); margin-top: var(--space-4); margin-bottom: 0; line-height: var(--leading-relaxed); }

@media (max-width: 768px) {
  .quote-form { padding: var(--space-6); }
  .quote-types { gap: var(--space-2); }
}

/* ── Stats: horizontal-bar ── */
.stats-bar {
  background: var(--color-primary); color: #fff;
}
.stats-bar .container {
  display: flex; justify-content: space-around; flex-wrap: wrap;
  padding: var(--space-8) 0; text-align: center; gap: var(--space-6);
}
.stats-item__number {
  font-family: var(--font-display);
  font-size: 2rem; font-weight: 700;
  color: var(--color-accent);
}
.stats-item__label {
  font-size: 1rem; color: rgba(255,255,255,0.9);
  margin-top: var(--space-1);
}

/* Icon mode */
.stats-item--icon { display: flex; flex-direction: column; align-items: center; gap: var(--space-2); }
.stats-item__icon-circle {
  width: 64px; height: 64px; border-radius: 50%;
  background: rgba(255,255,255,0.1); border: 2px solid var(--color-accent);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: 1.25rem; font-weight: 700;
  color: var(--color-accent);
}

/* Emphasis mode */
.stats-item--emphasis { text-align: center; }
.stats-item--emphasis .stats-item__number { font-size: 2.5rem; }
.stats-item__divider { width: 30px; height: 3px; background: var(--color-accent); margin: var(--space-2) auto; }

@media (max-width: 768px) {
  .stats-bar .container {
    flex-direction: column; align-items: center;
    gap: var(--space-6); padding: var(--space-6) 0;
  }
  .stats-item__number { font-size: 1.75rem; }
}
@media (max-width: 480px) {
  .stats-bar .container { gap: var(--space-4); }
}







/* ── Quote Selector: horizontal ── */
.quote-selector { padding: var(--space-16) 0; }
.quote-selector--horizontal { background: var(--color-bg); }

.qs-options { display: flex; justify-content: center; gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-8); }

/* Icon cards */
.qs-option--icon {
  display: flex; flex-direction: column; align-items: center; gap: var(--space-2);
  padding: var(--space-5) var(--space-6); border-radius: var(--radius-md);
  background: var(--color-bg-card); border: 2px solid var(--color-border-light);
  cursor: pointer; transition: all 0.2s ease; min-width: 120px; text-align: center;
}
.qs-option__icon { font-size: 2rem; }
.qs-option__label { font-size: var(--text-sm); font-weight: 600; color: var(--color-text); }
.qs-option--icon:hover { border-color: var(--color-primary); transform: translateY(-2px); box-shadow: var(--shadow); }
.qs-option--icon.active { border-color: var(--color-primary); background: var(--color-primary); }
.qs-option--icon.active .qs-option__label { color: #fff; }
.qs-option--icon.active .qs-option__icon { filter: brightness(10); }

/* Photo cards */
.qs-option--photo {
  position: relative; border-radius: var(--radius-md); overflow: hidden;
  cursor: pointer; width: 160px; height: 120px;
  border: 3px solid transparent; transition: all 0.2s ease;
}
.qs-option--photo img { width: 100%; height: 100%; object-fit: cover; }
.qs-option--photo .qs-option__label {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(transparent, rgba(0,0,0,0.7));
  color: #fff; font-size: var(--text-xs); font-weight: 600;
  padding: var(--space-4) var(--space-2) var(--space-2);
}
.qs-option--photo:hover { border-color: var(--color-primary); transform: translateY(-2px); }
.qs-option--photo.active { border-color: var(--color-primary); box-shadow: 0 0 0 2px var(--color-primary); }

/* Pill buttons */
.qs-option--pill {
  padding: var(--space-2) var(--space-5); border-radius: var(--radius-full);
  background: var(--color-bg-muted); font-size: var(--text-sm); font-weight: 600;
  color: var(--color-text); cursor: pointer; transition: all 0.2s ease;
  border: 2px solid transparent;
}
.qs-option--pill:hover { background: var(--color-bg-card); border-color: var(--color-primary); }
.qs-option--pill.active { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }

/* Form container */
.qs-form-container {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease-out;
  background: var(--color-bg-card); border-radius: var(--radius-md);
}
.qs-form-container.open { overflow: visible; border: 1px solid var(--color-border-light); padding: var(--space-8); }

.qs-form h3 { font-family: var(--font-display); }

@media (max-width: 768px) {
  .qs-options { gap: var(--space-3); }
  .qs-option--icon { min-width: 90px; padding: var(--space-3) var(--space-4); }
  .qs-option__icon { font-size: 1.5rem; }
  .qs-option--photo { width: 120px; height: 90px; }
  .qs-form-container.open { padding: var(--space-4); }
}

/* ── Hero: centered-cta ── */
.hero--centered {
  position: relative; overflow: hidden;
  background: linear-gradient(160deg, var(--color-primary-dark) 0%, var(--color-primary) 50%, var(--color-secondary) 100%);
  color: #fff;
}
/* Background image mode */
.hero--centered.hero--has-image {
  background-size: cover; background-position: center;
  background-repeat: no-repeat;
}
.hero--centered.hero--has-image .hero__bg {
  background: linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.45) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 80%, rgba(255,255,255,0.04) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 20%, rgba(255,255,255,0.03) 0%, transparent 50%),
    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='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/svg%3E");
}
.hero--has-image .hero__bg {
  /* Override the pattern with just the dark overlay when we have an image */
  background:
    linear-gradient(160deg, rgba(0,0,0,0.65) 0%, rgba(0,0,0,0.4) 50%, rgba(0,0,0,0.55) 100%);
}
.hero__content {
  position: relative; z-index: 1;
  padding: var(--space-24) 0 var(--space-16);
  max-width: 780px; margin: 0 auto;
  text-align: center;
}
.hero__badge-wrap { text-align: center; margin-bottom: var(--space-6); }
.hero__badge {
  display: inline-block; padding: var(--space-2) var(--space-5);
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-full); font-size: var(--text-sm);
  font-weight: 500; letter-spacing: var(--tracking-wide);
  color: rgba(255,255,255,0.9);
}
.hero--has-image .hero__badge {
  background: rgba(255,255,255,0.15); backdrop-filter: blur(4px);
}
.hero--centered h1 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.2rem); line-height: var(--leading-tight);
  color: #fff; margin-bottom: var(--space-5); letter-spacing: var(--tracking-tight);
  text-align: center;
}
.hero--has-image h1 { text-shadow: 0 2px 8px rgba(0,0,0,0.3); }
.hero__sub {
  font-size: var(--text-lg); line-height: var(--leading-relaxed);
  opacity: 0.85; max-width: 600px; margin: 0 auto var(--space-8);
  font-weight: 300; text-align: center;
}
.hero--has-image .hero__sub { text-shadow: 0 1px 4px rgba(0,0,0,0.2); }
.hero__actions {
  display: flex; align-items: center; justify-content: center;
  gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-10);
}
.btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
  display: inline-flex; align-items: center; gap: var(--space-2);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
.hero__trust-wrap { text-align: center; }
.hero__trust {
  display: inline-flex; align-items: center; gap: var(--space-6);
  padding: var(--space-5) var(--space-8);
  background: rgba(255,255,255,0.07); backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-md);
}
.hero--has-image .hero__trust {
  background: rgba(0,0,0,0.3); border-color: rgba(255,255,255,0.15);
}
.hero__trust-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); }
.hero__trust-item { text-align: center; }
.hero__trust-num {
  display: block; font-family: var(--font-display); font-size: var(--text-2xl);
  font-weight: 700; color: var(--color-accent); line-height: 1;
}
.hero__trust-label {
  display: block; font-size: var(--text-xs); font-weight: 500;
  text-transform: uppercase; letter-spacing: var(--tracking-wide);
  opacity: 0.7; margin-top: var(--space-1);
}

@media (max-width: 768px) {
  .hero__content { padding: var(--space-16) 0 var(--space-10); }
  .hero__trust { flex-direction: column; gap: var(--space-3); padding: var(--space-4) var(--space-6); }
  .hero__trust-sep { width: 60px; height: 1px; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }
}

/* ── Services: icon-grid ── */
.section-services { background: var(--color-bg); }
.section-header { max-width: 600px; margin: 0 auto var(--space-12); }
.section-eyebrow {
  font-family: var(--font-body); font-size: var(--text-sm); font-weight: 600;
  text-transform: uppercase; letter-spacing: var(--tracking-widest);
  color: var(--color-accent); margin-bottom: var(--space-3);
}
.svc-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: var(--space-6);
}
.svc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8) var(--space-6); text-align: center;
  border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.svc-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
  border-color: var(--color-secondary);
}
.svc-card__icon {
  width: 56px; height: 56px; margin: 0 auto var(--space-4);
  border-radius: var(--radius); font-size: 1.75rem;
  background: var(--color-bg-alt);
  display: flex; align-items: center; justify-content: center;
}
.svc-card__photo { margin-bottom: var(--space-4); border-radius: var(--radius); overflow: hidden; }
.svc-card__photo img { width: 100%; height: 160px; object-fit: cover; display: block; }
.svc-card__title {
  font-family: var(--font-display); font-size: var(--text-lg);
  color: var(--color-heading); margin-bottom: var(--space-2);
}
.svc-card__desc {
  font-size: var(--text-sm); color: var(--color-text-muted);
  line-height: var(--leading-relaxed); margin-bottom: var(--space-4);
}
.svc-card__link {
  font-size: var(--text-sm); font-weight: 600;
  color: var(--color-secondary); text-decoration: none;
  transition: color var(--transition-fast);
}
.svc-card__link:hover { color: var(--color-primary); }

@media (max-width: 768px) {
  .svc-grid { grid-template-columns: 1fr; }
  .svc-card { padding: var(--space-6); }
}

/* ── About: split-content ── */
.section-about { background: var(--color-bg-muted); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-12); align-items: start; }
.about-image img { width: 100%; border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
.about-text p { font-size: var(--text-base); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: var(--space-8); max-width: none; }
.about-highlights { display: flex; gap: var(--space-8); }
.about-highlight { text-align: center; }
.about-highlight__num {
  display: block; font-family: var(--font-display); font-size: var(--text-3xl);
  font-weight: 700; color: var(--color-heading); line-height: 1;
}
.about-highlight__label { display: block; font-size: var(--text-xs); color: var(--color-text-muted); font-weight: 500; margin-top: var(--space-1); text-transform: uppercase; letter-spacing: var(--tracking-wide); }
.about-values { display: flex; flex-direction: column; gap: var(--space-5); }
.value-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-6); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.value-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.value-card__icon {
  width: 44px; height: 44px; border-radius: var(--radius);
  background: var(--color-bg-alt); color: var(--color-heading);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-3);
}
.value-card h4 { font-family: var(--font-display); color: var(--color-heading); font-size: var(--text-base); margin-bottom: var(--space-2); }
.value-card p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: var(--leading-relaxed); margin-bottom: 0; }

@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .about-highlights { flex-direction: row; gap: var(--space-6); justify-content: center; }
}

/* ── Carriers: card-v2-detail ── */
.cc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
.cc-card {
  background: var(--color-bg-card); border-radius: var(--radius-md); overflow: hidden;
  box-shadow: var(--shadow); border: 1px solid var(--color-border-light);
  transition: transform var(--transition), box-shadow var(--transition);
}
.cc-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.cc-header {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-4) var(--space-5); border-bottom: 1px solid var(--color-border-light);
}
.cc-logo {
  max-width: 120px; height: auto; max-height: 48px; border-radius: var(--radius);
  object-fit: contain; background: var(--color-bg-card);
  border: 1px solid var(--color-border-light); padding: 4px; flex-shrink: 0;
}
.cc-logo--wordmark {
  width: auto;
  max-width: 120px;
  height: auto;
  max-height: 52px;
  object-fit: contain;
}
.cc-name { font-weight: 600; font-size: var(--text-base); color: var(--color-heading); font-family: var(--font-display); }
.cc-domain { font-size: var(--text-xs); color: var(--color-text-muted); }
.cc-domain a { color: var(--color-secondary); }
.cc-info { padding: var(--space-3) var(--space-5); font-size: var(--text-sm); color: var(--color-text-muted); }
.cc-val { color: var(--color-text); font-weight: 500; }
.cc-val--muted { font-style: italic; font-weight: 400; color: var(--color-text-light); }
.cc-actions { display: flex; gap: var(--space-2); padding: 0 var(--space-5) var(--space-4); }
.cc-btn {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: var(--space-1);
  padding: var(--space-2) var(--space-3); border-radius: var(--radius);
  font-size: var(--text-xs); font-weight: 600;
  text-decoration: none; text-align: center; transition: all var(--transition);
}
.cc-btn--claims {
  background: rgba(61,123,158,0.08); color: var(--color-secondary);
  border: 1px solid rgba(61,123,158,0.2);
}
.cc-btn--claims:hover { background: rgba(61,123,158,0.15); }
.cc-btn--payment {
  background: rgba(27,46,90,0.06); color: var(--color-primary);
  border: 1px solid rgba(27,46,90,0.15);
}
.cc-btn--payment:hover { background: rgba(27,46,90,0.12); }
.cc-btn--disabled { opacity: 0.4; pointer-events: none; }

@media (max-width: 768px) { .cc-grid { grid-template-columns: 1fr; } }

/* ── Team: card-grid ── */
.section-team { background: var(--color-bg-muted); }
.team-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: var(--space-6);
}
.team-card {
  background: var(--color-bg-card); border-radius: var(--radius-md);
  padding: var(--space-8); text-align: center;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--color-primary);
  transition: transform var(--transition), box-shadow var(--transition);
}
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.team-card__avatar {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto var(--space-4);
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: var(--text-xl); font-weight: 700;
  letter-spacing: 1px; overflow: hidden;
}
.team-card__avatar--photo { background: var(--color-bg-alt); padding: 0; }
.team-card__avatar--photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; }
.team-card__avatar--silhouette { background: none; padding: 0; }
.team-card__avatar--silhouette svg { width: 100%; height: 100%; border-radius: 50%; }
.team-card__name { font-family: var(--font-display); font-size: var(--text-lg); color: var(--color-heading); margin-bottom: var(--space-1); }
.team-card__role { font-size: var(--text-sm); color: var(--color-accent); font-weight: 600; margin-bottom: var(--space-3); }
.team-card__contact { display: flex; flex-direction: column; gap: var(--space-1); }
.team-card__email, .team-card__phone {
  font-size: var(--text-sm); color: var(--color-text-muted); text-decoration: none;
  transition: color var(--transition-fast);
}
.team-card__email:hover, .team-card__phone:hover { color: var(--color-secondary); }
.team-card__location {
  margin-top: var(--space-2); font-size: var(--text-xs);
  color: var(--color-text-muted); font-weight: 500;
}

@media (max-width: 768px) { .team-grid { grid-template-columns: 1fr; } }

/* ── CTA: band ── */
.cta-band {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  color: #fff; padding: var(--space-16) 0; text-align: center;
}
.cta-band h2 { font-family: var(--font-display); color: var(--color-accent); font-size: clamp(var(--text-2xl), 3vw, var(--text-3xl)); margin-bottom: var(--space-3); }
.cta-band p { font-size: var(--text-lg); opacity: 0.85; max-width: 540px; margin: 0 auto var(--space-8); }
.cta-band__actions { display: flex; justify-content: center; gap: var(--space-4); flex-wrap: wrap; }
.cta-band .btn--outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.35);
}
.cta-band .btn--outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: #fff;
}
@media (max-width: 768px) {
  .cta-band__actions { flex-direction: column; align-items: center; }
  .cta-band__actions .btn { width: 100%; max-width: 320px; justify-content: center; }
}

/* ── Contact: two-col-form-accordion extras ── */
.map-embed {
  width: 100%; height: 280px; border-radius: var(--radius);
  overflow: hidden; border: 1px solid var(--color-border-light);
}
.map-embed iframe { width: 100%; height: 100%; border: none; }

/* ── Page Header: banner-block ── */
.page-header--banner-block {
  background: var(--ph-bg, var(--color-primary-dark));
  color: var(--ph-text, #fff);
  text-align: var(--ph-align, center);
  padding: var(--space-12) 0;
}
.page-header__content {
  max-width: 800px;
  margin: 0 auto;
}
.page-header--banner-block .page-header__title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-2xl), 3vw, var(--text-4xl));
  font-weight: 700;
  color: inherit;
  margin: 0;
  line-height: 1.2;
}
.page-header--banner-block .page-header__subtitle {
  font-size: var(--text-lg);
  opacity: 0.85;
  margin-top: var(--space-3);
  margin-bottom: 0;
  line-height: var(--leading-relaxed);
}

/* Alignment variants */
.page-header--banner-block[style*="--ph-align:left"] .page-header__content {
  margin-left: 0;
  text-align: left;
}
.page-header--banner-block[style*="--ph-align:right"] .page-header__content {
  margin-right: 0;
  text-align: right;
}

@media (max-width: 768px) {
  .page-header--banner-block { padding: var(--space-8) 0; }
}

/* ── Page Header: slim-bar ── */
.page-header--slim-bar {
  background: var(--ph-bg, var(--color-bg-muted));
  color: var(--ph-text, var(--color-primary));
  text-align: var(--ph-align, left);
  padding: var(--space-5) 0;
  border-bottom: 1px solid var(--color-border-light);
}
.page-header--slim-bar .page-header__title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 600;
  color: inherit;
  margin: 0;
  line-height: 1.3;
}

@media (max-width: 768px) {
  .page-header--slim-bar { padding: var(--space-4) 0; }
  .page-header--slim-bar .page-header__title { font-size: var(--text-lg); }
}

/* ── Visually-hidden H1 fallback ── */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ── Form Renderer: additional styles ── */
.req { color: #c62828; font-weight: 400; }
fieldset { border: none; padding: 0; margin: 0; }
fieldset legend { font-weight: 600; font-size: var(--text-sm); margin-bottom: var(--space-2); color: var(--color-text); }
.checkbox-group-list {
  display: flex; flex-wrap: wrap; gap: var(--space-3);
}
.checkbox-label {
  display: flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-full, 999px);
  cursor: pointer; font-size: var(--text-sm);
  transition: all 0.2s ease;
  background: var(--color-bg-muted, #f0f0f0);
  user-select: none;
}
.checkbox-label:hover { background: color-mix(in srgb, var(--color-primary) 10%, transparent); }
.checkbox-label input[type="checkbox"] {
  width: 16px; height: 16px; accent-color: var(--color-primary);
  flex-shrink: 0;
}
.checkbox-label:has(input:checked) {
  background: var(--color-primary); color: #fff;
}
.checkbox-label:has(input:checked) input[type="checkbox"] {
  accent-color: #fff;
}
.radio-group { display: flex; flex-wrap: wrap; gap: var(--space-3) var(--space-6); }
.radio-group label {
  display: flex; align-items: center; gap: var(--space-2);
  font-weight: 400; cursor: pointer; font-size: var(--text-sm);
}
.radio-group input[type="radio"] { accent-color: var(--color-primary); }
.form-conditional { transition: all 0.2s ease; }
.form-row.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 768px) { .form-row.cols-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .form-row.cols-4 { grid-template-columns: 1fr; } }


/* ── Service Detail Pages ── */
.svc-detail__hero {
  height: 300px; background-size: cover; background-position: center;
  position: relative; display: flex; align-items: flex-end;
}
.svc-detail__hero-overlay {
  width: 100%; padding: var(--space-8) var(--space-6);
  background: linear-gradient(transparent, rgba(0,0,0,0.7));
}
.svc-detail__hero h1 { color: #fff; font-family: var(--font-display); margin: 0; font-size: var(--text-3xl); }
.svc-detail { max-width: var(--max-w-narrow); margin: 0 auto; }
.svc-detail__body { margin-bottom: var(--space-8); }
.svc-detail__body p { font-size: var(--text-base); line-height: var(--leading-relaxed); color: var(--color-text-muted); max-width: none; }
.svc-detail__why { margin-bottom: var(--space-8); }
.svc-detail__why h2 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-3); }
.svc-detail__why p { line-height: var(--leading-relaxed); color: var(--color-text-muted); }
.svc-detail__coverage { margin-bottom: var(--space-8); }
.svc-detail__coverage h2 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-4); }
.svc-detail__coverage-list {
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2) var(--space-6);
  list-style: none; padding: 0;
}
.svc-detail__coverage-list li {
  padding: var(--space-2) 0; padding-left: var(--space-5);
  position: relative; font-size: var(--text-sm); color: var(--color-text);
}
.svc-detail__coverage-list li::before {
  content: '✓'; position: absolute; left: 0;
  color: var(--color-accent); font-weight: 700;
}
.svc-detail__form, .svc-detail__cta {
  background: var(--color-bg-muted); border-radius: var(--radius-md);
  padding: var(--space-8); margin-bottom: var(--space-8);
}
.svc-detail__form h2, .svc-detail__cta h2 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-2); }
.svc-detail__form p, .svc-detail__cta p { color: var(--color-text-muted); margin-bottom: var(--space-5); }
.svc-detail__related { margin-bottom: var(--space-8); }
.svc-detail__related h2 { font-family: var(--font-display); color: var(--color-primary); margin-bottom: var(--space-4); }
.svc-detail__related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.svc-detail__related-card {
  display: flex; align-items: center; gap: var(--space-2);
  padding: var(--space-4); background: var(--color-bg-card);
  border: 1.5px solid var(--color-border); border-radius: var(--radius-md);
  text-decoration: none; color: var(--color-primary); font-weight: 600; font-size: var(--text-sm);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.svc-detail__related-card:hover { border-color: var(--color-accent); box-shadow: var(--shadow); }

@media (max-width: 768px) {
  .svc-detail__hero { height: 200px; }
  .svc-detail__coverage-list { grid-template-columns: 1fr; }
  .svc-detail__related-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  section { padding: var(--space-10) 0; }
  .container { width: 92%; }
  .section-header { margin-bottom: var(--space-8); }
}

@media (max-width: 480px) {
  .container { width: 94%; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .fade-up { opacity: 1; transform: none; }
}

@media print {
  .site-header, .site-footer, .nav-toggle, .btn, .cta-band, .section-quote { display: none; }
  body { color: #000; background: #fff; padding-top: 0 !important; }
  a { color: #000; text-decoration: underline; }
  section { padding: 1rem 0; }
}