/* ===== Design tokens ===== */
:root {
  /* Navy / red / white "trust" scheme (US-flag palette): flag-red CTA on a clean
     cool-white base, deep navy dark bands (header/hero/footer/disclosures), navy
     icon/heading accents. WCAG-AA checked for text on backgrounds.
     Prior rustic wood scheme is saved in themes/styles-cherrywood-rustic.css.
     --brand / --brand-dark are also set from config.js at runtime. */
  --brand: #B22234;          /* flag red — CTA/action accent (AA w/ white) */
  --brand-dark: #8E1B2B;     /* hover */
  --accent: #002868;         /* navy — secondary accents/icons */
  --accent-soft: #dbe3f2;    /* light blue tint */
  --ink: #002868;            /* deep navy — headings */
  --body: #243242;           /* slate — body text */
  --muted: #52606b;          /* readable slate-gray (senior readability) */
  --line: #d8dee9;           /* light blue-gray borders */
  --bg: #f4f6fb;             /* cool near-white — base */
  --card: #ffffff;           /* white cards */
  --slate-dark: #002868;     /* deep navy — footer / disclosures / dark bands */
  --success: #16a34a;
  --error: #dc2626;
  --radius: 14px;
  --shadow: 0 10px 40px rgba(0, 40, 104, 0.14);
  --shadow-sm: 0 2px 8px rgba(0, 40, 104, 0.08);
  /* Hero gradient: navy -> royal blue -> flag red (diagonal). Used on the hero and
     hub-hero. Change these three stops to restyle the hero in one place. */
  --hero-grad: linear-gradient(135deg, #002868 0%, #1e4aa0 55%, #B22234 100%);
}

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

html { scroll-behavior: smooth; }

/* ===== Accessibility helpers ===== */
.skip-link {
  position: absolute; left: 8px; top: -48px; z-index: 100;
  background: var(--brand); color: #fff; padding: 10px 16px; border-radius: 8px;
  font-weight: 600; text-decoration: none; transition: top .15s;
}
.skip-link:focus { top: 8px; }

/* Visible keyboard focus ring on interactive elements */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, [tabindex]:focus-visible {
  outline: 3px solid var(--brand);
  outline-offset: 2px;
}
/* Headings we move focus to shouldn't show a distracting ring */
h2[tabindex="-1"]:focus { outline: none; }

.req { color: var(--error); }
.req-note { font-size: 0.85em; color: var(--muted); white-space: nowrap; }

/* Respect users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition-duration: 0.001ms !important; animation-duration: 0.001ms !important; }
}

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--body);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ===== Header ===== */
.site-header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 84px; padding: 10px 0; }
.brand-group { display: flex; align-items: center; gap: 13px; flex-shrink: 0; }
.brand-avatar {
  width: 60px; height: 60px; border-radius: 50%; object-fit: cover; object-position: center top;
  border: 2px solid var(--line); box-shadow: var(--shadow-sm); flex-shrink: 0; background: #e8edf6;
}
.brand { font-weight: 800; font-size: 1.15rem; color: var(--ink); letter-spacing: -0.01em; flex-shrink: 0; }
.header-phone {
  display: inline-flex; align-items: center; line-height: 1; white-space: nowrap; flex-shrink: 0;
  font-weight: 600; color: var(--brand); text-decoration: none;
  padding: 11px 22px; border: 1.5px solid var(--brand); border-radius: 999px;
  font-size: 0.95rem; transition: background .15s, color .15s;
}
.header-phone:hover { background: var(--brand); color: #fff; }

/* ===== Hero ===== */
.hero {
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(178,34,52,0.07), transparent 60%),
    linear-gradient(180deg, #ffffff 0%, var(--bg) 100%);
  padding: 56px 0 72px;
}
.hero-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: start;
}
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.04em;
  text-transform: uppercase; color: var(--brand-dark);
  background: rgba(178,34,52,0.10); padding: 6px 14px; border-radius: 999px; margin-bottom: 18px;
}
.hero-copy h1 {
  font-size: 2.6rem; line-height: 1.12; color: var(--ink); font-weight: 800;
  letter-spacing: -0.02em; margin-bottom: 16px;
}
.subhead { font-size: 1.12rem; color: var(--body); margin-bottom: 24px; max-width: 38ch; }

.benefits { list-style: none; margin-bottom: 28px; }
.benefits li {
  display: flex; align-items: flex-start; gap: 10px; padding: 7px 0;
  font-weight: 500; color: var(--ink);
}
.benefits li::before {
  content: "\2713"; color: #fff; background: var(--success); font-size: 0.75rem;
  width: 22px; height: 22px; border-radius: 999px; display: inline-flex;
  align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; font-weight: 700;
}
.trust-row { display: flex; flex-wrap: wrap; gap: 18px; }
.trust-item { font-size: 0.9rem; color: var(--muted); font-weight: 500; }
.trust-item .check { color: var(--success); font-weight: 800; margin-right: 4px; }

/* ===== Form card ===== */
.form-card {
  background: var(--card); border-radius: 18px; box-shadow: var(--shadow);
  padding: 32px; border: 1px solid var(--line);
}
.form-title { font-size: 1.5rem; color: var(--ink); font-weight: 800; letter-spacing: -0.01em; }
.form-sub { color: var(--muted); margin-bottom: 22px; font-size: 0.98rem; }

.field { margin-bottom: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { display: block; font-size: 0.88rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
input, select {
  width: 100%; padding: 12px 14px; font-size: 1rem; font-family: inherit;
  color: var(--ink); background: #fff; border: 1.5px solid var(--line);
  border-radius: 10px; transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus {
  outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(178,34,52,0.18);
}
/* Invalid fields signal via a thicker border + icon, not color alone (AA 1.4.1) */
input.invalid, select.invalid { border-color: var(--error); border-width: 2px; box-shadow: 0 0 0 3px rgba(220,38,38,0.12); }

.consent {
  display: flex; align-items: flex-start; gap: 10px; margin: 6px 0 18px;
  font-size: 0.82rem; color: var(--muted); font-weight: 400; line-height: 1.45; cursor: pointer;
}
.consent input { width: auto; margin-top: 3px; flex-shrink: 0; accent-color: var(--brand); }

.btn-primary {
  width: 100%; padding: 15px; font-size: 1.05rem; font-weight: 700; font-family: inherit;
  color: #fff; background: var(--brand); border: none; border-radius: 10px; cursor: pointer;
  transition: background .15s, transform .05s; box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--brand-dark); }
.btn-primary:active { transform: translateY(1px); }
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; }

.btn-secondary {
  display: inline-block; margin-top: 8px; padding: 13px 28px; font-weight: 700;
  color: var(--brand); background: #fff; border: 1.5px solid var(--brand);
  border-radius: 10px; text-decoration: none; transition: background .15s, color .15s;
}
.btn-secondary:hover { background: var(--brand); color: #fff; }

.form-note { text-align: center; font-size: 0.8rem; color: var(--muted); margin-top: 12px; }
.form-error {
  color: var(--error); font-size: 0.88rem; font-weight: 500; margin-bottom: 12px;
  min-height: 0; display: none;
}
.form-error.show { display: block; }

/* ===== Draft-mode banner ===== */
.draft-banner {
  background: #fef3c7; color: #92400e; border-bottom: 1px solid #fcd34d;
  padding: 12px 24px; text-align: center; font-size: 0.92rem; line-height: 1.5;
}
.draft-banner code {
  background: rgba(0,0,0,0.06); padding: 1px 6px; border-radius: 4px; font-size: 0.9em;
}

/* ===== Quiz ===== */
.link-skip {
  display: block; margin: 16px auto 0; background: none; border: none;
  color: var(--muted); font-family: inherit; font-size: 0.9rem; font-weight: 500;
  text-decoration: underline; cursor: pointer; padding: 6px;
}
.link-skip:hover { color: var(--brand-dark); }

.footer-identity { font-size: 0.85rem; color: #b7a78f; margin-bottom: 14px; }

.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;
}

.quiz-progress {
  height: 6px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 24px;
}
.quiz-progress-bar {
  height: 100%; width: 0; background: var(--brand); border-radius: 999px; transition: width .35s ease;
}

.quiz-q {
  font-size: 1.35rem; line-height: 1.25; color: var(--ink); font-weight: 800;
  letter-spacing: -0.01em; margin-bottom: 8px;
}
.quiz-q .lookback { color: var(--brand-dark); }
.quiz-help { color: var(--muted); font-size: 0.98rem; margin-bottom: 20px; }

/* Single-choice cards (radios) */
.choice-group, .check-group { border: 0; padding: 0; margin: 0 0 16px; display: flex; flex-direction: column; gap: 10px; }
.choice {
  display: flex; align-items: center; gap: 12px; padding: 14px 16px;
  border: 1.5px solid var(--line); border-radius: 10px; cursor: pointer;
  font-weight: 500; color: var(--ink); transition: border-color .15s, background .15s;
}
.choice:hover { border-color: var(--brand); }
/* Selected highlight is driven by JS toggling .is-selected (see app.js) for
   broad browser support — not :has(), whose style rendering is inconsistent. */
.choice.is-selected { border-color: var(--brand); background: rgba(178,34,52,0.06); }

/* Multi-select knockout lists (checkboxes) */
.check-item {
  display: flex; align-items: flex-start; gap: 12px; padding: 12px 14px;
  border: 1.5px solid var(--line); border-radius: 10px; cursor: pointer;
  font-weight: 500; color: var(--ink); font-size: 0.95rem; line-height: 1.4;
  transition: border-color .15s, background .15s;
}
.check-item:hover { border-color: var(--brand); }
.check-item.is-selected { border-color: var(--brand); background: rgba(178,34,52,0.06); }
.check-item.none, .choice.none { margin-top: 4px; }
.check-item.none { background: #f6f1e7; }

/* Radios/checkboxes inside choices must not stretch full-width */
.choice input, .check-item input {
  width: auto; flex-shrink: 0; accent-color: var(--brand);
  width: 20px; height: 20px;
}
.check-item input { margin-top: 1px; }

.quiz-error { color: var(--error); font-size: 0.88rem; font-weight: 500; margin: 0 0 8px; }

.quiz-nav { display: flex; gap: 12px; margin-top: 10px; }
.quiz-nav .btn-primary { width: auto; flex: 1 1 auto; }
.btn-ghost {
  flex: 0 0 auto; padding: 15px 22px; font-size: 1rem; font-weight: 600; font-family: inherit;
  color: var(--body); background: #fff; border: 1.5px solid var(--line);
  border-radius: 10px; cursor: pointer; transition: border-color .15s, background .15s;
}
.btn-ghost:hover { border-color: var(--muted); background: var(--bg); }

/* Outcome screens */
.quiz-screen.outcome { text-align: center; }
.quiz-screen.outcome .field, .quiz-screen.outcome .soft-capture,
.quiz-screen.outcome .calendly-wrap { text-align: left; }
.outcome-title { margin-top: 4px; }
.soft-capture { max-width: 380px; margin: 16px auto 0; }
.soft-capture .btn-secondary { width: 100%; text-align: center; margin-top: 4px; }

/* ===== Result steps ===== */
.result-step { text-align: center; padding: 8px 0; }
.result-icon {
  width: 64px; height: 64px; border-radius: 999px; margin: 0 auto 18px;
  display: flex; align-items: center; justify-content: center; font-size: 2rem; color: #fff;
}
.result-icon.success { background: var(--success); }
.result-icon.neutral { background: var(--muted); }
.calendly-wrap { margin-top: 18px; min-height: 630px; }
.calendly-inline-widget { min-width: 280px; height: 630px; }

/* ===== How it works ===== */
.how { padding: 72px 0; background: var(--card); border-top: 1px solid var(--line); }
.section-title {
  text-align: center; font-size: 1.9rem; font-weight: 800; color: var(--ink);
  margin-bottom: 44px; letter-spacing: -0.01em;
}
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step { text-align: center; padding: 12px; }
.step-num {
  width: 48px; height: 48px; border-radius: 999px; background: rgba(178,34,52,0.10);
  color: var(--brand); font-weight: 800; font-size: 1.25rem; display: flex;
  align-items: center; justify-content: center; margin: 0 auto 16px;
}
.step h3 { color: var(--ink); font-size: 1.15rem; margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 0.96rem; }

/* ===== Footer ===== */
.site-footer { background: var(--ink); color: #e7ddcb; padding: 44px 0; text-align: center; }
.footer-brand { font-weight: 700; color: #fff; font-size: 1.1rem; margin-bottom: 6px; }
.footer-contact { font-size: 0.95rem; margin-bottom: 18px; }
.footer-contact a { color: #dbcbb2; text-decoration: none; }
.footer-links { margin-bottom: 16px; }
.footer-links a { color: #dbcbb2; text-decoration: none; font-size: 0.9rem; }
.footer-links a:hover { text-decoration: underline; }
.footer-disclaimer { font-size: 0.78rem; color: #b7a78f; max-width: 640px; margin: 0 auto; line-height: 1.5; }

/* ===== Anchor buttons + sticky-header scroll offset ===== */
a.btn-primary, a.btn-secondary {
  display: inline-block; width: auto; text-decoration: none; text-align: center;
}
html { scroll-padding-top: 100px; }

/* About (single column, headshot moved to the header avatar) */
.about-body { text-align: left; max-width: 620px; margin: 6px auto 22px; }
.about-body p { color: var(--body); margin-bottom: 14px; }

/* ===== Header nav + actions ===== */
.main-nav { display: flex; gap: 26px; }
.main-nav a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.main-nav a:hover { color: var(--brand); }
.header-actions { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }
.header-cta { display: inline-flex; align-items: center; line-height: 1; padding: 11px 22px; font-size: 0.95rem; white-space: nowrap; }
.main-nav { flex-shrink: 0; }

/* ===== Hero extras ===== */
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin: 4px 0 24px; }
.hero-panel {
  background: var(--card); border: 1px solid var(--line); border-radius: 18px;
  box-shadow: var(--shadow); padding: 28px; align-self: start;
}
.hero-panel-title { font-size: 1.1rem; color: var(--ink); font-weight: 800; margin-bottom: 14px; }
.fact-list { list-style: none; margin-bottom: 20px; }
.fact-list li {
  display: flex; align-items: center; gap: 12px; padding: 12px 0;
  border-bottom: 1px solid var(--line); color: var(--ink); font-weight: 500; font-size: 0.96rem;
}
.fact-list li:last-child { border-bottom: 0; }
.fact-ico { font-size: 1.15rem; width: 24px; text-align: center; }
.panel-cta { display: block; width: 100%; }

/* ===== Section titles + subs ===== */
.section-title { margin-bottom: 14px; }
.section-sub { text-align: center; color: var(--muted); font-size: 1.05rem; margin: 0 auto 8px; max-width: 56ch; }

/* ===== "What it covers" cards ===== */
.covers { padding: 72px 0; background: var(--bg); }
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
.value-card {
  background: var(--card); border: 1px solid var(--line); border-radius: 16px;
  padding: 28px; box-shadow: var(--shadow-sm);
}
.value-ico {
  width: 52px; height: 52px; border-radius: 12px; background: rgba(76,106,68,0.14);
  color: var(--accent); display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.value-card h3 { color: var(--ink); font-size: 1.15rem; margin-bottom: 8px; }
.value-card p { color: var(--muted); font-size: 0.96rem; }

/* ===== Qualify section (holds the quiz) ===== */
.qualify { padding: 72px 0; background: var(--card); border-top: 1px solid var(--line); }
.qualify-head { text-align: center; }
.qualify .form-card { max-width: 560px; margin: 36px auto 0; }

/* ===== CTA band ===== */
.cta-band { background: #002868; color: #fff; padding: 48px 0; }
.cta-band-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; font-size: 1.6rem; margin-bottom: 6px; letter-spacing: -0.01em; }
.cta-band p { color: rgba(255,255,255,0.92); }
.cta-band-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.cta-band .btn-primary { background: #fff; color: var(--brand-dark); }
.cta-band .btn-primary:hover { background: #fff; color: var(--brand); }
.btn-secondary.on-dark { background: transparent; color: #fff; border-color: rgba(255,255,255,0.65); }
.btn-secondary.on-dark:hover { background: #fff; color: var(--brand); }

/* ===== FAQ ===== */
.faq { padding: 72px 0; background: var(--bg); }
.faq-list { max-width: 760px; margin: 36px auto 0; }
.faq-item { background: var(--card); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; padding: 2px 20px; }
.faq-item summary {
  cursor: pointer; font-weight: 600; color: var(--ink); padding: 16px 28px 16px 0;
  list-style: none; position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; position: absolute; right: 2px; top: 14px; color: var(--brand); font-weight: 700; font-size: 1.35rem; }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { color: var(--muted); font-size: 0.96rem; padding: 0 0 16px; }

/* ===== Disclosures ===== */
.disclosures { background: #002868; color: #c9d4ea; padding: 40px 0; font-size: 0.82rem; line-height: 1.6; }
.disclosures-title { color: #e7ddcb; font-size: 0.9rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 12px; }
.disclosures p { margin-bottom: 12px; max-width: 920px; }
.disclosures-strong { color: #e7ddcb; font-size: 0.86rem; }
.disclosures-strong strong { color: #fff; }
.disclosures-fine { color: #a89778; }
.disclosures-fine strong { color: #b7a78f; }

.footer-copyright { font-size: 0.82rem; color: #8a7862; margin-top: 16px; }

/* ===== Responsive ===== */
@media (max-width: 1040px) {
  .main-nav { display: none; }
}
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero-copy h1 { font-size: 2.1rem; }
  .subhead { max-width: none; }
  .steps-grid { grid-template-columns: 1fr; gap: 20px; }
  .cards-grid { grid-template-columns: 1fr; gap: 18px; }
  .hero { padding: 36px 0 48px; }
  .cta-band-inner { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .field-row { grid-template-columns: 1fr; }
  .form-card { padding: 24px 20px; }
  .hero-copy h1 { font-size: 1.8rem; }
  .brand { font-size: 1rem; }
  .brand-avatar { width: 46px; height: 46px; }
  .header-inner { min-height: 68px; flex-wrap: wrap; row-gap: 6px; }
  .header-phone { padding: 7px 12px; font-size: 0.85rem; white-space: nowrap; }
  a.header-cta { display: none; }   /* a.* needed to beat the a.btn-primary rule */
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn-primary, .hero-ctas .btn-secondary { width: 100%; }
}

/* =====================================================================
   DeFazio-style landing components (index.html)
   ===================================================================== */

.display { font-family: Georgia, "Times New Roman", serif; color: var(--ink); letter-spacing: -0.01em; line-height: 1.15; }

/* Top utility bar */
.topbar { background: #002868; color: #c9d4ea; font-size: 0.82rem; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; height: 36px; }
.topbar-social a { display: inline-flex; align-items: center; justify-content: center; min-width: 24px; min-height: 24px; color: #c9d4ea; text-decoration: none; margin-left: 10px; font-weight: 700; }
.topbar-social a:hover { color: #fff; }

/* Pills / eyebrow badges */
.pill {
  display: inline-flex; align-items: center; gap: 7px; font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.03em; text-transform: uppercase; color: #fff;
  border: 1px solid rgba(255,255,255,0.5); border-radius: 999px; padding: 5px 14px; margin-bottom: 16px;
}
.pill::before { content: ""; width: 7px; height: 7px; border-radius: 999px; background: var(--brand); }
.pill-light { color: var(--brand-dark); border-color: var(--brand); background: rgba(178,34,52,0.06); }
.pill-light::before { background: var(--brand); }

/* Generic section rhythm */
.section { padding: 72px 0; background: #fff; }
.section.alt { background: #eef2fa; }
.container.narrow { max-width: 820px; }
.center { text-align: center; }
.center .pill { margin-left: auto; margin-right: auto; }

/* Image placeholders ("filler squares" you swap for real photos) */
.ph {
  background: repeating-linear-gradient(45deg, #eaddc9, #eaddc9 12px, #e0d2bb 12px, #e0d2bb 24px);
  border: 1px dashed #c7b49a; border-radius: 14px; display: flex; align-items: center;
  justify-content: center; text-align: center; color: #8a7a66; font-weight: 600; font-size: 0.9rem;
  padding: 12px; min-height: 220px;
}
.ph-square { aspect-ratio: 1 / 1; min-height: 0; }
.ph-tall { min-height: 420px; height: 100%; }

/* Hero (dark photo style) */
.hero-d { position: relative; overflow: hidden; background: var(--hero-grad); background-color: #002868; }
.hero-bg { display: none; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(100deg, rgba(0,18,52,0.34) 0%, rgba(0,18,52,0.12) 50%, rgba(0,18,52,0) 100%); }
.hero-d-content { position: relative; z-index: 1; padding: 50px 0 40px; }
.hero-d-grid { display: grid; grid-template-columns: 1.02fr 0.98fr; gap: 44px; align-items: start; margin-bottom: 32px; }
.hero-d-copy { padding-top: 8px; }
.hero-d .display { color: #fff; font-size: 2.5rem; margin-bottom: 16px; text-shadow: 0 2px 14px rgba(0,0,0,0.6); }
.hero-d-lead { color: #e6ecf7; font-size: 1.08rem; max-width: 44ch; margin-bottom: 22px; text-shadow: 0 1px 8px rgba(0,0,0,0.55); }

/* Hero quote-form card (2 steps) */
.hero-form-card {
  background: var(--card); border-radius: 16px; padding: 26px 24px;
  box-shadow: 0 20px 55px rgba(0,40,104,0.38); border: 1px solid rgba(255,255,255,0.55);
}
.hf-title { font-family: Georgia, "Times New Roman", serif; font-size: 1.5rem; color: var(--ink); font-weight: 800; }
.hf-sub { color: var(--muted); font-size: 0.92rem; margin-bottom: 16px; }
.hf-progress { height: 6px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 18px; }
.hf-progress-bar { display: block; height: 100%; width: 50%; background: var(--brand); border-radius: 999px; transition: width .3s ease; }
.hf-steplabel { font-size: 0.76rem; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: var(--brand-dark); margin-bottom: 14px; }
.hf-nav { display: flex; gap: 12px; }
.hf-nav .btn-primary { flex: 1 1 auto; width: auto; }
.hf-legal { font-size: 0.74rem; color: var(--muted); text-align: center; margin-top: 12px; line-height: 1.4; }
.hf-legal a { color: var(--brand-dark); }
.hero-form-card .lead-success { border: 0; box-shadow: none; padding: 4px 0; margin-top: 0; }

/* Carriers row */
.carriers-label { display: block; color: #cdd7ea; font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 12px; }
.carrier-logos { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; max-width: 620px; }
.carrier-card {
  display: flex; align-items: center; justify-content: center; text-align: center;
  min-height: 56px; padding: 8px 10px; background: #fff; border: 1px solid #e3d7c4;
  border-radius: 10px; color: var(--ink); font-size: 0.82rem; font-weight: 700; line-height: 1.2;
}

/* Coverage table */
.coverage-table { width: 100%; border-collapse: collapse; margin: 28px 0; box-shadow: var(--shadow-sm); border-radius: 12px; overflow: hidden; background: #fff; text-align: left; }
.coverage-table th { background: var(--slate-dark); color: #fff; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.04em; padding: 14px 18px; }
.coverage-table td { padding: 15px 18px; border-top: 1px solid var(--line); color: var(--ink); font-weight: 500; }
.coverage-table tr:nth-child(even) td { background: #f6f1e7; }
.coverage-table .row-highlight td { background: rgba(178,34,52,0.06); }
.coverage-table .tag { display: inline-block; margin-left: 8px; background: var(--brand); color: #fff; font-size: 0.66rem; font-weight: 700; text-transform: uppercase; padding: 2px 8px; border-radius: 999px; vertical-align: middle; }

/* Split (text + image) sections */
.split-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.split-copy .display { font-size: 1.9rem; margin-bottom: 14px; }
.split-copy p { color: var(--body); margin-bottom: 14px; }
.split-copy .btn-primary { margin-top: 8px; }
.split.alt, .alt .split-inner { } /* spacing handled by .section */

/* Feature grid (2x2 checks) */
.feature-grid { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 20px; margin: 18px 0 22px; }
.feature-grid li { display: flex; align-items: flex-start; gap: 10px; color: var(--ink); font-weight: 500; font-size: 0.96rem; }
.fchk { flex-shrink: 0; width: 22px; height: 22px; border-radius: 999px; background: var(--brand); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-size: 0.72rem; font-weight: 800; margin-top: 1px; }

/* Lead form */
.lead-form { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px; box-shadow: var(--shadow-sm); margin-top: 18px; }
.lead-submit { width: 100%; margin-top: 6px; }
.lead-success { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 28px; box-shadow: var(--shadow-sm); margin-top: 18px; text-align: center; }
.lead-success .display { font-size: 1.5rem; margin: 10px 0 8px; }
.lead-success p { color: var(--muted); }
.lead-success .calendly-wrap { text-align: left; }

/* 4-column dark footer */
.site-footer-d { background: #002868; color: #c9d4ea; padding: 48px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.footer-h { color: #fff; font-weight: 700; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 14px; }
.footer-col a { display: block; color: #dbcbb2; text-decoration: none; font-size: 0.92rem; padding: 4px 0; margin-bottom: 4px; }
.footer-col a:hover { color: #fff; }
.site-footer-d .footer-brand { color: #fff; font-weight: 700; margin-bottom: 8px; }
.site-footer-d .footer-identity { color: #bcac92; font-size: 0.85rem; line-height: 1.5; margin-bottom: 10px; }
.site-footer-d .footer-contact a { display: inline; color: #dbcbb2; }
.footer-social a { margin-right: 14px; }
.site-footer-d .footer-copyright { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 26px; padding-top: 18px; color: #ab9880; font-size: 0.82rem; }

/* Landing responsive */
@media (max-width: 880px) {
  .split-inner { grid-template-columns: 1fr; gap: 28px; }
  .split.alt .split-media, .quote-sec .split-media { order: -1; }
  .hero-d .display { font-size: 2.2rem; }
  .carrier-logos { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .ph-tall { min-height: 260px; }
}
@media (max-width: 480px) {
  .feature-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .topbar-msg { font-size: 0.74rem; }
  .hero-d .display { font-size: 1.85rem; }
}

/* Stock/real images in split sections + hero */
.hero-bg img { width: 100%; height: 100%; object-fit: cover; display: block; }
.stock-img { width: 100%; border-radius: 16px; object-fit: cover; display: block; box-shadow: var(--shadow-sm); }
.stock-square { aspect-ratio: 4 / 5; }
.stock-tall { aspect-ratio: 3 / 2; height: auto; }
@media (max-width: 880px) {
  .stock-tall { aspect-ratio: 3 / 2; }
  .stock-square { aspect-ratio: 16 / 10; }
}

/* Circular headshot (About section) — looks crisp even at modest resolution */
.headshot-wrap { display: flex; justify-content: center; }
.headshot {
  width: 200px; height: 200px; max-width: 100%; aspect-ratio: 1 / 1;
  border-radius: 50%; object-fit: cover; object-position: center top; display: block;
  border: 5px solid #fff; box-shadow: 0 12px 34px rgba(0,40,104,0.18);
  outline: 3px solid var(--accent-soft); outline-offset: 5px;
}
@media (max-width: 880px) {
  .headshot { width: 180px; height: 180px; }
}

/* "Prefer to talk directly?" card on the teal band */
.talk-card {
  background: var(--card); border-radius: 16px; padding: 36px 28px; text-align: center;
  max-width: 620px; margin: 0 auto; box-shadow: var(--shadow);
}
.talk-card .display { color: var(--ink); font-size: 1.7rem; margin-bottom: 8px; }
.talk-card p { color: var(--muted); margin-bottom: 18px; }
.talk-card .btn-primary { display: inline-block; width: auto; background: var(--brand); color: #fff; }
.talk-card .btn-primary:hover { background: var(--brand-dark); }
/* "Prefer to talk" band with a photo alongside the card */
.talk-grid { display: flex; align-items: center; gap: 40px; }
.talk-grid .talk-card { margin: 0; text-align: left; }
.talk-media {
  width: 44%; max-width: 480px; aspect-ratio: 3 / 2; object-fit: cover;
  border-radius: 16px; box-shadow: 0 18px 44px rgba(0,0,0,0.42);
  border: 3px solid rgba(255,255,255,0.14); flex-shrink: 0;
}
@media (max-width: 720px) {
  .talk-grid { flex-direction: column; }
  .talk-media { width: 100%; max-width: 460px; }
}

/* Hero form: stack on smaller screens */
@media (max-width: 900px) {
  .hero-d-grid { grid-template-columns: 1fr; gap: 26px; }
  .hero-d-lead { max-width: none; }
  .hero-form-card { max-width: 520px; }
}

/* Floating "Call Now" button (fixed corner) */
.call-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 60;
  display: inline-flex; align-items: center; gap: 9px;
  background: var(--brand); color: #fff; font-weight: 700; font-size: 1rem;
  padding: 14px 22px; border-radius: 999px; text-decoration: none;
  box-shadow: 0 8px 24px rgba(0,40,104,0.38); transition: background .15s, transform .1s;
}
.call-float:hover { background: var(--brand-dark); color: #fff; }
.call-float:active { transform: translateY(1px); }
.call-float svg { flex-shrink: 0; }
@media (max-width: 480px) {
  /* Compact circular icon button on phones so it can't cover a CTA's label. */
  .call-float { right: 14px; bottom: 14px; padding: 0; width: 54px; height: 54px; justify-content: center; border-radius: 50%; }
  .call-float span { display: none; }
  .call-float svg { width: 22px; height: 22px; }
}

/* ===== Hub homepage ===== */
.hub-hero { background: var(--hero-grad); background-color: #002868; color: #fff; text-align: center; padding: 74px 0 66px; }
.hub-hero .pill { border-color: rgba(255,255,255,0.5); }
.hub-hero .display { color: #fff; font-size: 2.7rem; margin-bottom: 14px; text-shadow: 0 2px 14px rgba(0,0,0,0.55); }
.hub-lead { color: #e6ecf7; font-size: 1.12rem; max-width: 60ch; margin: 0 auto 26px; text-shadow: 0 1px 8px rgba(0,0,0,0.5); }
.hub-hero-ctas { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

.product-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 36px; }
.product-card {
  display: block; background: var(--card); border: 1px solid var(--line); border-radius: 16px;
  padding: 26px; box-shadow: var(--shadow-sm); text-decoration: none;
  transition: transform .1s, box-shadow .15s, border-color .15s;
}
.product-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: var(--brand); }
.product-card h3 { font-family: Georgia, "Times New Roman", serif; color: var(--ink); font-size: 1.3rem; margin-bottom: 8px; }
.product-card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 14px; }
.product-more { color: var(--brand-dark); font-weight: 700; font-size: 0.92rem; }
@media (max-width: 700px) {
  .product-grid { grid-template-columns: 1fr; }
  .hub-hero .display { font-size: 2.1rem; }
}