/*
Theme Name: NavInsurance
Theme URI: https://www.navinsurance.ca
Author: Navneet Saran
Description: Professional multi-page insurance broker theme for Navneet Saran, RIBO & LLQP Licensed. Built for SEO and GEO growth with dedicated service and location pages.
Version: 1.0.0
Requires at least: 6.0
Requires PHP: 8.0
License: Private
Text Domain: navinsurance
*/

:root {
  --navy: #152338; --navy-mid: #1e3255; --navy-light: #2a4678;
  --gold: #c9a84c; --gold-light: #e8c96a; --gold-dark: #b8922e;
  --white: #ffffff; --off-white: #f7f8fc;
  --text-muted: #a8b8d0; --text-body: #e2e8f4; --text-dark: #1a2340;
  --success: #1D9E75; --radius: 12px; --radius-sm: 8px; --radius-lg: 20px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
  --shadow-sm: 0 2px 12px rgba(0,0,0,0.08); --shadow-md: 0 8px 32px rgba(0,0,0,0.12);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.18); --max-width: 1200px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;background:var(--navy);color:var(--white);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{cursor:pointer;border:none;background:none;font-family:inherit}
h1,h2,h3,h4,h5,h6{font-family:'Playfair Display',Georgia,serif;font-weight:700;line-height:1.2;color:var(--white)}
h1{font-size:clamp(32px,5vw,56px);font-weight:800}
h2{font-size:clamp(26px,4vw,42px)}
h3{font-size:clamp(20px,3vw,28px)}
h4{font-size:clamp(17px,2vw,22px)}
p{margin-bottom:1.25rem;color:var(--text-body);font-size:15px}
p:last-child{margin-bottom:0}
.text-gold{color:var(--gold)}.text-white{color:var(--white)}.text-muted{color:var(--text-muted)}
.alignleft{float:left;margin:0 1.5rem 1rem 0}
.alignright{float:right;margin:0 0 1rem 1.5rem}
.aligncenter{display:block;margin:0 auto 1rem}
.container{max-width:var(--max-width);margin:0 auto;padding:0 5vw;width:100%}
.section{padding:90px 5vw}.section-sm{padding:60px 5vw}.section-lg{padding:120px 5vw}
.section-alt{background:rgba(255,255,255,0.07)}.section-dark{background:var(--navy-mid)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-auto{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.section-eyebrow{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(28px,4vw,42px);font-weight:700;color:var(--white);margin-bottom:16px;line-height:1.2}
.section-title span{color:var(--gold)}
.section-sub{font-size:16px;color:var(--text-body);max-width:560px;line-height:1.7;margin-bottom:48px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--radius-sm);font-weight:600;font-size:15px;transition:all var(--transition);white-space:nowrap}
.btn-primary{background:var(--gold);color:var(--navy);box-shadow:0 4px 20px rgba(201,168,76,.3)}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 30px rgba(201,168,76,.4)}
.btn-secondary{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.25)}
.btn-secondary:hover{border-color:var(--gold);background:rgba(201,168,76,.08)}
.btn-outline-gold{background:transparent;color:var(--gold);border:1.5px solid var(--gold)}
.btn-outline-gold:hover{background:var(--gold);color:var(--navy)}
.btn-dark{background:var(--navy);color:var(--white);border:1px solid rgba(255,255,255,.1)}
.btn-dark:hover{background:var(--navy-light)}
.btn-sm{padding:10px 20px;font-size:13px}.btn-lg{padding:18px 36px;font-size:16px}
.card{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-lg);padding:28px;transition:border-color var(--transition),transform var(--transition),box-shadow var(--transition);position:relative;overflow:hidden}
.card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(201,168,76,.06) 0%,transparent 60%);opacity:0;transition:opacity var(--transition)}
.card:hover{border-color:rgba(201,168,76,.35);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card:hover::before{opacity:1}
.card-icon{width:52px;height:52px;border-radius:var(--radius-sm);background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.2);display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:20px}
.card-title{font-size:17px;font-weight:600;color:var(--white);margin-bottom:10px;font-family:'Inter',sans-serif}
.card-desc{font-size:13px;color:var(--text-body);line-height:1.65;margin-bottom:16px}
.card-link{font-size:12px;font-weight:600;color:var(--gold);display:flex;align-items:center;gap:6px}
.badge{display:inline-flex;align-items:center;gap:6px;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.25);padding:5px 12px;border-radius:99px;font-size:11px;font-weight:600;color:var(--gold);letter-spacing:.06em}
.badge-white{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.15);color:var(--white)}
.form-group{margin-bottom:16px}
.form-label{display:block;font-size:11px;font-weight:600;color:var(--text-muted);margin-bottom:6px;letter-spacing:.08em;text-transform:uppercase}
.form-control{width:100%;background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-sm);padding:12px 14px;color:var(--white);font-size:14px;font-family:'Inter',sans-serif;transition:border-color var(--transition);appearance:none}
.form-control:focus{outline:none;border-color:var(--gold);background:rgba(255,255,255,.20)}
.form-control::placeholder{color:rgba(255,255,255,.3)}
.form-control option{background:var(--navy-mid);color:var(--white)}
textarea.form-control{resize:vertical;min-height:110px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-submit{width:100%;background:var(--gold);color:var(--navy);border:none;padding:15px;border-radius:var(--radius-sm);font-size:15px;font-weight:700;cursor:pointer;font-family:'Inter',sans-serif;transition:background var(--transition),transform var(--transition)}
.form-submit:hover{background:var(--gold-light);transform:translateY(-1px)}
.form-note{font-size:11px;color:var(--text-muted);text-align:center;margin-top:10px}
.quote-box{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-lg);padding:36px}
.quote-box-title{font-family:'Playfair Display',serif;font-size:22px;font-weight:700;margin-bottom:24px}
.faq-list{max-width:780px}
.faq-item{border-bottom:1px solid rgba(255,255,255,.22)}
.faq-question{width:100%;text-align:left;background:none;border:none;cursor:pointer;padding:20px 0;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:500;color:var(--white);gap:16px;transition:color var(--transition);font-family:'Inter',sans-serif}
.faq-question:hover{color:var(--gold)}
.faq-arrow{color:var(--gold);font-size:20px;transition:transform var(--transition);flex-shrink:0}
.faq-question.open .faq-arrow{transform:rotate(45deg)}
.faq-answer{font-size:14px;color:var(--text-body);line-height:1.75;padding-bottom:20px;display:none}
.faq-answer.visible{display:block}
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:6px;font-size:12px;color:var(--text-muted);padding:12px 0;margin-bottom:8px}
.breadcrumb a{color:var(--text-muted);transition:color var(--transition)}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb .sep{color:rgba(255,255,255,.2)}
.breadcrumb .current{color:var(--gold)}
.trust-bar{display:flex;flex-wrap:wrap;gap:20px 32px;align-items:center}
.trust-item{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-body);font-weight:500}
.trust-item::before{content:'✓';color:var(--gold);font-weight:700}
.stars{color:var(--gold);font-size:14px;letter-spacing:2px}
.testimonial-card{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-lg);padding:28px;transition:border-color var(--transition)}
.testimonial-card:hover{border-color:rgba(201,168,76,.3)}
.testimonial-text{font-size:14px;color:var(--text-body);line-height:1.75;margin:14px 0 20px;font-style:italic}
.testimonial-author{font-size:13px;font-weight:600;color:var(--white)}
.testimonial-meta{font-size:11px;color:var(--text-muted);margin-top:2px}
.comparison-table{width:100%;border-collapse:separate;border-spacing:0;font-size:14px}
.comparison-table th{background:rgba(201,168,76,.1);color:var(--gold);font-weight:600;padding:14px 18px;text-align:left;border-bottom:1px solid rgba(201,168,76,.2)}
.comparison-table td{padding:14px 18px;color:var(--text-body);border-bottom:1px solid rgba(255,255,255,.18)}
.comparison-table tr:hover td{background:rgba(255,255,255,.02)}
.comparison-table .check{color:var(--success);font-weight:700}
.comparison-table .cross{color:#e05252}
.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.step-number{width:48px;height:48px;border-radius:50%;background:rgba(201,168,76,.12);border:2px solid rgba(201,168,76,.3);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--gold);margin-bottom:16px}
.step-title{font-size:16px;font-weight:600;margin-bottom:8px;font-family:'Inter',sans-serif;color:var(--white)}
.step-desc{font-size:13px;color:var(--text-body);line-height:1.65}
.internal-links-box{background:rgba(255,255,255,.22);border:1px solid rgba(201,168,76,.15);border-radius:var(--radius);padding:28px}
.internal-links-box h4{font-size:13px;font-weight:600;color:var(--gold);letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px;font-family:'Inter',sans-serif}
.internal-links-list li{margin-bottom:8px}
.internal-links-list a{font-size:13px;color:var(--text-body);display:flex;align-items:center;gap:6px;transition:color var(--transition)}
.internal-links-list a:hover{color:var(--gold)}
.internal-links-list a::before{content:'→';color:var(--gold);font-size:11px}
@media(max-width:1024px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){.grid-2{grid-template-columns:1fr;gap:40px}.grid-3{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.section{padding:60px 5vw}.grid-3{grid-template-columns:1fr}.grid-4{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}h1{font-size:32px}h2{font-size:26px}}
@media print{.nav-wrapper,.mobile-nav,.mobile-bar,footer{display:none!important}body{background:white;color:black}}

/* ═══════════════════════════════════════════════════
   LAYOUT UTILITIES
═══════════════════════════════════════════════════ */
.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-dark{background:var(--navy-mid)}
.section-cta{background:linear-gradient(135deg,var(--navy-mid) 0%,var(--navy-light) 100%)}
.section-label{font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.section-title{font-size:clamp(28px,4vw,42px);margin-bottom:16px}
.section-sub{color:var(--text-muted);font-size:17px;max-width:600px;margin:0 auto 48px}

/* ═══════════════════════════════════════════════════
   BUTTONS
═══════════════════════════════════════════════════ */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--radius-sm);font-size:15px;font-weight:600;transition:var(--transition);cursor:pointer;border:none}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,.3)}
.btn-outline{border:2px solid rgba(255,255,255,.25);color:var(--white)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}

/* ═══════════════════════════════════════════════════
   PAGE HERO
═══════════════════════════════════════════════════ */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:80px 0 60px;border-bottom:1px solid rgba(255,255,255,.18)}
.page-hero-eyebrow{font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.page-hero-title{font-size:clamp(32px,5vw,54px);max-width:800px;margin-bottom:20px}
.page-hero-sub{font-size:17px;color:var(--text-muted);max-width:640px;line-height:1.7}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.badge{background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:6px 14px;font-size:13px;color:var(--text-muted)}

/* ═══════════════════════════════════════════════════
   BREADCRUMB
═══════════════════════════════════════════════════ */
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:4px;font-size:13px;color:var(--text-muted);margin-bottom:20px}
.breadcrumb a{color:var(--gold);transition:color .2s}
.breadcrumb a:hover{color:var(--gold-light)}
.breadcrumb .sep{color:rgba(255,255,255,.2)}
.breadcrumb .current{color:var(--text-muted)}

/* ═══════════════════════════════════════════════════
   CARDS / GRID
═══════════════════════════════════════════════════ */
.grid-auto{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:20px}
.card{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:28px;transition:var(--transition);cursor:pointer}
.card:hover{background:rgba(255,255,255,.20);border-color:rgba(201,168,76,.3);transform:translateY(-4px);box-shadow:var(--shadow-md)}
.card-icon{font-size:32px;margin-bottom:14px}
.card-title{font-size:17px;font-family:'Playfair Display',serif;margin-bottom:8px}
.card-desc{font-size:14px;color:var(--text-muted);line-height:1.6}
.card-link{font-size:13px;color:var(--gold);margin-top:12px;display:block;font-weight:600}

/* ═══════════════════════════════════════════════════
   SERVICES GRID — FULL (archive-service.php)
═══════════════════════════════════════════════════ */
.services-grid-full{display:flex;flex-direction:column;gap:16px;margin-top:40px}
.service-card-full{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.service-card-full:hover{border-color:rgba(201,168,76,.3);transform:translateY(-2px);box-shadow:var(--shadow-md)}
.service-card-inner{display:grid;grid-template-columns:80px 1fr auto;align-items:center;gap:20px;padding:24px 28px;color:inherit}
.service-card-icon{font-size:36px;text-align:center}
.service-card-title{font-size:20px;font-family:'Playfair Display',serif;margin-bottom:6px}
.service-card-desc{font-size:14px;color:var(--text-muted);line-height:1.6}
.service-card-price{font-size:13px;color:var(--gold);font-weight:600;margin-top:6px}
.service-card-carriers{font-size:12px;color:rgba(255,255,255,.4);margin-top:4px}
.service-card-arrow{color:var(--gold);font-weight:600;font-size:14px;white-space:nowrap}
@media(max-width:600px){.service-card-inner{grid-template-columns:50px 1fr;}.service-card-arrow{display:none}}

/* ═══════════════════════════════════════════════════
   BENEFITS GRID
═══════════════════════════════════════════════════ */
.benefits-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:24px;margin-top:40px}
.benefit-item{padding:32px;background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius)}
.benefit-icon{font-size:36px;margin-bottom:16px}
.benefit-item h3{font-size:18px;margin-bottom:10px}
.benefit-item p{font-size:14px;color:var(--text-muted);line-height:1.7}

/* ═══════════════════════════════════════════════════
   LOCATION PILLS
═══════════════════════════════════════════════════ */
.location-pills{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.location-pill{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.1);border-radius:30px;padding:10px 20px;font-size:14px;font-weight:500;transition:var(--transition)}
.location-pill:hover{background:rgba(201,168,76,.15);border-color:var(--gold);color:var(--gold)}

/* ═══════════════════════════════════════════════════
   CTA QUOTE WRAP
═══════════════════════════════════════════════════ */
.cta-quote-wrap{display:grid;grid-template-columns:1fr 420px;gap:60px;align-items:start}
.cta-quote-text h2{font-size:clamp(26px,3.5vw,38px);margin-bottom:16px}
.cta-quote-text p{color:var(--text-muted);font-size:16px;line-height:1.7;margin-bottom:24px}
.cta-promise-list{list-style:none;display:flex;flex-direction:column;gap:10px}
.cta-promise-list li{font-size:15px;color:var(--text-muted)}
.cta-promise-list li strong{color:var(--white)}
@media(max-width:900px){.cta-quote-wrap{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   QUOTE BOX (FORM)
═══════════════════════════════════════════════════ */
.quote-box{background:rgba(255,255,255,.22);border:1px solid rgba(201,168,76,.2);border-radius:var(--radius-lg);padding:32px}
.quote-box-title{font-size:18px;font-family:'Playfair Display',serif;margin-bottom:24px;color:var(--gold)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-group{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.form-label{font-size:12px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:rgba(255,255,255,.5)}
.form-control{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-sm);padding:12px 14px;font-size:14px;color:var(--white);transition:border-color .2s;font-family:'Inter',sans-serif;width:100%}
.form-control:focus{outline:none;border-color:var(--gold)}
.form-control option{background:var(--navy-mid);color:var(--white)}
textarea.form-control{resize:vertical;min-height:90px}
.form-submit{width:100%;background:var(--gold);color:var(--navy);border-radius:var(--radius-sm);padding:16px;font-size:15px;font-weight:700;transition:var(--transition);cursor:pointer;margin-top:4px;border:none}
.form-submit:hover{background:var(--gold-light);transform:translateY(-1px)}
.form-note{font-size:11px;color:rgba(255,255,255,.3);text-align:center;margin-top:10px}
@media(max-width:500px){.form-row{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   INTERNAL LINKS BOX (SIDEBAR)
═══════════════════════════════════════════════════ */
.internal-links-box{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:24px}
.internal-links-box h4{font-size:14px;text-transform:uppercase;letter-spacing:1px;color:var(--gold);margin-bottom:16px}
.internal-links-list{display:flex;flex-direction:column;gap:8px}
.internal-links-list a{font-size:14px;color:var(--text-muted);transition:color .2s;display:flex;align-items:center;gap:8px}
.internal-links-list a:hover{color:var(--gold)}

/* ═══════════════════════════════════════════════════
   REVIEWS — PAGE
═══════════════════════════════════════════════════ */
.rating-overview{display:grid;grid-template-columns:auto 1fr;gap:60px;align-items:center;max-width:700px;margin:0 auto;padding:48px;background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-lg)}
.rating-number{font-size:72px;font-family:'Playfair Display',serif;color:var(--gold);line-height:1}
.rating-stars{font-size:24px;color:var(--gold);margin:8px 0}
.rating-count{font-size:13px;color:var(--text-muted)}
.rating-bar-row{display:grid;grid-template-columns:60px 1fr 40px;align-items:center;gap:12px;font-size:13px;color:var(--text-muted);margin-bottom:8px}
.rating-bar{height:8px;background:rgba(255,255,255,.22);border-radius:4px;overflow:hidden}
.rating-bar-fill{height:100%;background:var(--gold);border-radius:4px}
.review-tags{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:800px;margin:0 auto}
.review-tag{background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.25);border-radius:20px;padding:8px 16px;font-size:13px;color:var(--gold)}
.reviews-grid-full{display:grid;grid-template-columns:repeat(auto-fill,minmax(340px,1fr));gap:24px;margin-top:40px}
.review-card-full{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:28px}
.review-card-header{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.review-avatar{width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:18px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.review-name{font-weight:600;font-size:15px}
.review-detail{font-size:12px;color:var(--text-muted);margin-top:2px}
.review-date-right{margin-left:auto;font-size:12px;color:rgba(255,255,255,.3)}
.review-stars{color:var(--gold);font-size:16px;margin-bottom:10px}
.review-text{font-size:14px;color:var(--text-muted);line-height:1.7}
.review-source{font-size:11px;color:rgba(255,255,255,.25);margin-top:12px;text-align:right}
@media(max-width:600px){.rating-overview{grid-template-columns:1fr;text-align:center}}

/* ═══════════════════════════════════════════════════
   BLOG
═══════════════════════════════════════════════════ */
.blog-layout{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px}
.blog-card{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.blog-card:hover{border-color:rgba(201,168,76,.25);transform:translateY(-3px)}
.blog-card-image{display:block;overflow:hidden}
.blog-card-img{width:100%;height:200px;object-fit:cover;transition:transform .4s}
.blog-card:hover .blog-card-img{transform:scale(1.03)}
.blog-card-body{padding:24px}
.blog-card-cat{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:6px;display:block}
.blog-card-date{font-size:12px;color:rgba(255,255,255,.35);margin-bottom:8px}
.blog-card-title{font-size:18px;margin-bottom:10px;line-height:1.35}
.blog-card-title a{color:var(--white);transition:color .2s}
.blog-card-title a:hover{color:var(--gold)}
.blog-card-excerpt{font-size:14px;color:var(--text-muted);line-height:1.65}
.blog-card-link{display:inline-block;margin-top:14px;font-size:13px;font-weight:600;color:var(--gold)}
.blog-pagination{margin-top:48px;display:flex;justify-content:center}
.blog-pagination ul{display:flex;gap:8px;list-style:none}
.blog-pagination li a,.blog-pagination li span{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:var(--radius-sm);font-size:14px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.1);transition:var(--transition)}
.blog-pagination li a:hover,.blog-pagination .current{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.blog-empty{text-align:center;padding:60px 0;color:var(--text-muted)}
.blog-filter-bar{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.blog-filter{padding:8px 16px;border-radius:20px;font-size:13px;border:1px solid rgba(255,255,255,.12);color:var(--text-muted);transition:var(--transition)}
.blog-filter:hover,.blog-filter.active{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.blog-article{min-width:0}
.blog-featured-image{border-radius:var(--radius);overflow:hidden;margin-bottom:36px}
.blog-hero-img{width:100%;max-height:480px;object-fit:cover}
.blog-content{font-size:16px;line-height:1.8;color:var(--text-body)}
.blog-content h2{font-size:26px;margin:40px 0 16px}
.blog-content h3{font-size:21px;margin:32px 0 12px}
.blog-content p{margin-bottom:20px}
.blog-content ul,.blog-content ol{padding-left:24px;margin-bottom:20px}
.blog-content li{margin-bottom:8px;color:var(--text-muted)}
.blog-content a{color:var(--gold);text-decoration:underline}
.blog-content blockquote{border-left:3px solid var(--gold);padding:16px 24px;margin:28px 0;background:rgba(255,255,255,.20);border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-style:italic;color:var(--text-muted)}
.blog-tags{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.22);display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:14px}
.blog-tag{background:rgba(255,255,255,.18);border-radius:20px;padding:6px 14px;font-size:12px;color:var(--text-muted)}
.post-meta{display:flex;align-items:center;gap:12px;font-size:14px;color:var(--text-muted);margin-top:12px}
.post-nav{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:48px;padding-top:32px;border-top:1px solid rgba(255,255,255,.22)}
.post-nav a{font-size:14px;color:var(--gold);line-height:1.5}
.post-nav-next{text-align:right}
.author-bio{display:grid;grid-template-columns:56px 1fr;gap:20px;margin-top:48px;padding:28px;background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);align-items:start}
.author-bio-avatar{width:56px;height:56px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:700;color:var(--navy)}
.author-bio-name{font-size:16px;font-weight:700;margin-bottom:4px}
.author-bio-creds{font-size:12px;color:var(--gold);margin-bottom:10px}
.author-bio-text{font-size:14px;color:var(--text-muted);line-height:1.7;margin-bottom:14px}
.author-bio-contact{display:flex;gap:16px;flex-wrap:wrap}
.author-bio-contact a{font-size:13px;color:var(--gold);font-weight:600}
@media(max-width:900px){.blog-layout{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   SIDEBAR WIDGETS
═══════════════════════════════════════════════════ */
.sidebar-quote-widget{margin-bottom:24px}
.sidebar-widget{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:24px;margin-bottom:20px}
.sidebar-widget-title{font-size:14px;text-transform:uppercase;letter-spacing:1px;color:var(--gold);margin-bottom:16px}
.sidebar-cat-list{display:flex;flex-direction:column;gap:6px}
.sidebar-cat-list a{font-size:14px;color:var(--text-muted);display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.22);transition:color .2s}
.sidebar-cat-list a:hover{color:var(--gold)}
.cat-count{background:rgba(255,255,255,.22);border-radius:10px;padding:2px 8px;font-size:11px}
.sidebar-post-list{display:flex;flex-direction:column;gap:10px}
.sidebar-post-list a{font-size:14px;color:var(--text-muted);line-height:1.5;transition:color .2s}
.sidebar-post-list a:hover{color:var(--gold)}
.sidebar-contact-widget{background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.2);border-radius:var(--radius);padding:24px;margin-bottom:20px}
.sidebar-contact-widget h4{font-size:15px;margin-bottom:8px}
.sidebar-contact-widget p{font-size:13px;color:var(--text-muted);margin-bottom:14px}
.sidebar-phone{display:block;font-size:17px;font-weight:700;color:var(--gold)}

/* ═══════════════════════════════════════════════════
   PAGE CONTENT LAYOUT
═══════════════════════════════════════════════════ */
.page-content-wrap{display:grid;grid-template-columns:1fr 320px;gap:48px;align-items:start}
.page-content{font-size:16px;line-height:1.8;color:var(--text-body)}
.page-content h2{font-size:26px;margin:36px 0 14px}
.page-content h3{font-size:20px;margin:28px 0 10px}
.page-content p{margin-bottom:18px}
.page-content ul{padding-left:20px;margin-bottom:18px}
.page-content li{margin-bottom:8px;color:var(--text-muted)}
@media(max-width:900px){.page-content-wrap{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   ABOUT PAGE
═══════════════════════════════════════════════════ */
.about-layout{display:grid;grid-template-columns:380px 1fr;gap:60px;align-items:start;margin-bottom:60px}
.about-photo-frame{position:relative}
.about-photo{width:100%;border-radius:var(--radius-lg);aspect-ratio:3/4;object-fit:cover;background:rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;min-height:400px}
.about-photo-placeholder{width:100%;min-height:400px;background:linear-gradient(135deg,var(--navy-mid),var(--navy-light));border-radius:var(--radius-lg);display:flex;flex-direction:column;align-items:center;justify-content:center;border:2px dashed rgba(255,255,255,.12);color:var(--text-muted);font-size:14px;text-align:center;padding:32px}
.about-cred-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.about-cred-badge{background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.3);border-radius:var(--radius-sm);padding:8px 14px;font-size:12px;font-weight:700;color:var(--gold);text-align:center}
.about-content h2{font-size:clamp(24px,3vw,36px);margin-bottom:16px}
.about-content p{font-size:16px;color:var(--text-muted);line-height:1.8;margin-bottom:20px}
.about-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:32px 0}
.about-stat{text-align:center;padding:24px;background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius)}
.about-stat-number{font-size:36px;font-family:'Playfair Display',serif;color:var(--gold);font-weight:800}
.about-stat-label{font-size:13px;color:var(--text-muted);margin-top:4px}
@media(max-width:800px){.about-layout{grid-template-columns:1fr}.about-stats{grid-template-columns:repeat(2,1fr)}}

/* ═══════════════════════════════════════════════════
   FAQ PAGE
═══════════════════════════════════════════════════ */
.faq-section{margin-bottom:48px}
.faq-category-title{font-size:22px;color:var(--gold);margin-bottom:20px;padding-bottom:12px;border-bottom:1px solid rgba(201,168,76,.2)}
.faq-accordion{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);overflow:hidden}
.faq-item{border-bottom:1px solid rgba(255,255,255,.18)}
.faq-item:last-child{border-bottom:none}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;padding:20px 24px;font-size:16px;font-weight:600;color:var(--white);cursor:pointer;background:none;border:none;text-align:left;font-family:'Inter',sans-serif;transition:background .2s}
.faq-question:hover{background:rgba(255,255,255,.22)}
.faq-question.active{color:var(--gold)}
.faq-icon{color:var(--gold);font-size:20px;flex-shrink:0;margin-left:12px;transition:transform .3s}
.faq-question.active .faq-icon{transform:rotate(45deg)}
.faq-answer{display:none;padding:0 24px 20px;font-size:15px;color:var(--text-muted);line-height:1.75}
.faq-answer.open{display:block}

/* ═══════════════════════════════════════════════════
   CONTACT PAGE
═══════════════════════════════════════════════════ */
.contact-layout{display:grid;grid-template-columns:1fr 440px;gap:60px;align-items:start}
.contact-info-block{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:32px;margin-bottom:24px}
.contact-info-block h3{font-size:18px;margin-bottom:16px;color:var(--gold)}
.contact-info-item{display:flex;align-items:flex-start;gap:14px;margin-bottom:16px;font-size:15px}
.contact-info-icon{font-size:20px;flex-shrink:0;margin-top:2px}
.contact-info-label{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.4);margin-bottom:4px}
.contact-info-value{color:var(--white);font-weight:500}
.contact-info-value a{color:var(--gold)}
.hours-grid{display:grid;gap:8px;margin-top:8px}
.hours-row{display:flex;justify-content:space-between;font-size:14px;color:var(--text-muted);padding:6px 0;border-bottom:1px solid rgba(255,255,255,.22)}
@media(max-width:900px){.contact-layout{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   CARRIERS BAR / TICKER
═══════════════════════════════════════════════════ */
.carriers-bar{background:rgba(255,255,255,.22);border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18);padding:16px 0;overflow:hidden}
.carriers-track{display:flex;gap:48px;white-space:nowrap;animation:ticker 30s linear infinite}
.carriers-track:hover{animation-play-state:paused}
.carrier-item{font-size:13px;font-weight:600;color:rgba(255,255,255,.4);letter-spacing:1px;text-transform:uppercase;white-space:nowrap}
@keyframes ticker{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ═══════════════════════════════════════════════════
   GOOGLE REVIEWS STRIP
═══════════════════════════════════════════════════ */
.reviews-strip{background:rgba(255,255,255,.22);border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18);padding:48px 0}
.reviews-header{text-align:center;margin-bottom:36px}
.reviews-rating{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.1);border-radius:30px;padding:10px 24px}
.reviews-stars-lg{font-size:22px;color:var(--gold)}
.reviews-count{font-size:14px;color:var(--text-muted)}
.reviews-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.review-card{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:24px}
.review-card-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.review-avi{width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:16px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.review-info-name{font-weight:600;font-size:14px}
.review-info-sub{font-size:12px;color:var(--text-muted)}
.review-body{font-size:14px;color:var(--text-muted);line-height:1.65}
.reviews-cta{text-align:center;margin-top:32px}

/* ═══════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════ */
.site-footer{background:var(--navy-mid);border-top:1px solid rgba(255,255,255,.18);padding:64px 0 32px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.footer-brand-name{font-size:20px;font-family:'Playfair Display',serif;margin-bottom:4px}
.footer-brand-tag{font-size:13px;color:var(--gold);margin-bottom:12px}
.footer-brand-desc{font-size:14px;color:var(--text-muted);line-height:1.7;margin-bottom:20px}
.footer-contact a{display:block;font-size:14px;color:var(--text-muted);margin-bottom:6px;transition:color .2s}
.footer-contact a:hover{color:var(--gold)}
.footer-col-title{font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.footer-links{display:flex;flex-direction:column;gap:8px}
.footer-links a{font-size:14px;color:var(--text-muted);transition:color .2s}
.footer-links a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.18);padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:13px;color:rgba(255,255,255,.3)}
.footer-pills{display:flex;gap:8px;flex-wrap:wrap}
.footer-pill{background:rgba(255,255,255,.22);border-radius:12px;padding:4px 10px;font-size:11px;color:rgba(255,255,255,.4)}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}}

/* ═══════════════════════════════════════════════════
   HOMEPAGE SPECIFICS
═══════════════════════════════════════════════════ */
.hero-section{min-height:90vh;display:flex;align-items:center;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%);padding:100px 0 60px;position:relative;overflow:hidden}
.hero-section::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 70% 50%,rgba(201,168,76,.07) 0%,transparent 60%)}
.hero-content{position:relative;z-index:1;max-width:640px}
.hero-eyebrow{font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:20px;display:flex;align-items:center;gap:12px}
.hero-eyebrow::after{content:'';flex:1;max-width:60px;height:1px;background:var(--gold);opacity:.4}
.hero-title{font-size:clamp(38px,6vw,70px);line-height:1.08;margin-bottom:24px}
.hero-title em{color:var(--gold);font-style:normal}
.hero-sub{font-size:18px;color:var(--text-muted);line-height:1.7;margin-bottom:36px;max-width:540px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:48px}
.hero-trust-row{display:flex;flex-wrap:wrap;gap:20px}
.hero-trust-item{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-muted)}
.hero-trust-icon{color:var(--gold);font-size:16px}
.hero-image-col{position:relative}
.hero-photo-frame{position:relative;border-radius:var(--radius-lg);overflow:hidden}
.hero-photo-placeholder{width:100%;min-height:500px;background:linear-gradient(135deg,rgba(255,255,255,.20),rgba(255,255,255,.22));border:2px dashed rgba(255,255,255,.1);border-radius:var(--radius-lg);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;color:var(--text-muted);font-size:14px;padding:40px}
.hero-grid{display:grid;grid-template-columns:1fr 440px;gap:80px;align-items:center}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr}.hero-image-col{display:none}}

/* ═══════════════════════════════════════════════════
   SERVICE / LOCATION PAGE SPECIFIC
═══════════════════════════════════════════════════ */
.service-layout{display:grid;grid-template-columns:1fr 360px;gap:48px;align-items:start}
.service-content{min-width:0}
.service-sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:20px}
.coverage-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0}
.coverage-item{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius-sm);padding:20px}
.coverage-item h4{font-size:15px;margin-bottom:8px}
.coverage-item p{font-size:13px;color:var(--text-muted);line-height:1.6}
.cost-factors-list{display:flex;flex-direction:column;gap:12px;margin:20px 0}
.cost-factor{display:flex;align-items:flex-start;gap:14px;padding:16px;background:rgba(255,255,255,.22);border-radius:var(--radius-sm)}
.cost-factor-icon{font-size:20px;flex-shrink:0}
.cost-factor-text h4{font-size:14px;font-weight:600;margin-bottom:4px}
.cost-factor-text p{font-size:13px;color:var(--text-muted)}
.location-services-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px;margin:24px 0}
.location-service-link{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius-sm);padding:16px;display:flex;align-items:center;gap:12px;font-size:14px;transition:var(--transition)}
.location-service-link:hover{border-color:rgba(201,168,76,.3);color:var(--gold)}
.nearby-locs{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.nearby-loc{background:rgba(255,255,255,.22);border-radius:20px;padding:8px 16px;font-size:13px;color:var(--text-muted);border:1px solid rgba(255,255,255,.22);transition:var(--transition)}
.nearby-loc:hover{color:var(--gold);border-color:rgba(201,168,76,.3)}
@media(max-width:900px){.service-layout{grid-template-columns:1fr}.service-sidebar{position:static}.coverage-grid{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════════════
   RESPONSIVE UTILITIES
═══════════════════════════════════════════════════ */
@media(max-width:768px){
  .section{padding:56px 0}
  .page-hero{padding:60px 0 40px}
  .grid-auto{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr}
  .reviews-grid-full{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr}
}
@media(max-width:480px){
  .container{padding:0 16px}
  .page-hero-title{font-size:28px}
  .section-title{font-size:24px}
  .hero-ctas{flex-direction:column}
}

/* Locations Hub Grid */
.locations-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:20px;margin-top:40px}
.location-hub-card{background:rgba(255,255,255,.20);border:1px solid rgba(255,255,255,.20);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:6px;transition:var(--transition)}
.location-hub-card:hover{border-color:rgba(201,168,76,.3);transform:translateY(-4px);box-shadow:var(--shadow-md)}
.loc-hub-icon{font-size:28px;margin-bottom:4px}
.loc-hub-city{font-size:20px;font-family:'Playfair Display',serif;font-weight:700;color:var(--white)}
.loc-hub-pop{font-size:13px;color:var(--text-muted)}
.loc-hub-postal{font-size:12px;color:rgba(255,255,255,.3)}
.loc-hub-link{font-size:13px;font-weight:600;color:var(--gold);margin-top:8px}


/* ═══════════════════════════════════════════════════════════════
   INSURANCE PARTNERS — PREMIUM LIGHT TRUST SECTIONS
   Two systems:
   1. .nav-marquee-*   — infinite scrolling logo carousel (homepage, service pages, location pages)
   2. .nav-partners-*  — full grid with logo cards (dedicated /insurance-partners/ page)
   Both use a white/off-white background for maximum logo contrast & a
   premium "trust strip" feel, with a shared dark-navy modal dialog.
═══════════════════════════════════════════════════════════════ */

/* ── SHARED: WORDMARK FALLBACK (when no logo image uploaded) ──
   Original "icon + wordmark" lockup: a rounded monogram square in the
   carrier's brand color, paired with the company name set in an
   appropriate typeface. Not a reproduction of any carrier's actual logo. */
.nav-partner-wordmark {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  justify-content: center;
  line-height: 1;
  white-space: nowrap;
  max-width: 100%;
  overflow: hidden;
}
.nav-partner-mono {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--wm-color, #1e3255);
  color: #fff;
  font-family: 'Helvetica Neue', Arial, sans-serif;
  font-weight: 800;
  border-radius: 8px;
}
.nav-partner-wordmark-text {
  color: var(--wm-color, #1e3255);
  letter-spacing: -.01em;
  overflow: hidden;
  text-overflow: ellipsis;
}
.nav-partner-wordmark--card    .nav-partner-wordmark-text { font-size: 17px; }
.nav-partner-wordmark--marquee .nav-partner-wordmark-text { font-size: 18px; }
.nav-partner-wordmark--modal   .nav-partner-wordmark-text { font-size: 24px; }
.nav-partner-wordmark--card    .nav-partner-mono { width: 30px; height: 30px; font-size: 14px; }
.nav-partner-wordmark--marquee .nav-partner-mono { width: 32px; height: 32px; font-size: 15px; }
.nav-partner-wordmark--modal   .nav-partner-mono { width: 42px; height: 42px; font-size: 19px; border-radius: 11px; }

/* ── SHARED: LOGO IMAGE ── */
.nav-partner-logo-img {
  object-fit: contain;
  max-width: 100%;
}
.nav-partner-logo-img--card    { max-height: 48px; max-width: 140px; }
.nav-partner-logo-img--marquee { max-height: 52px; max-width: 150px; }
.nav-partner-logo-img--modal   { max-height: 72px; max-width: 220px; }

/* ═══════════════════════════════════════════════════════════════
   1. INFINITE MARQUEE — "Insurance Partners" trust strip
═══════════════════════════════════════════════════════════════ */
.nav-marquee-section {
  background: var(--off-white);
  padding: 72px 0;
  position: relative;
}
.nav-marquee-section--pc {
  background: #ffffff;
  border-top: 1px solid rgba(20,30,50,.06);
}
.nav-marquee-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header */
.nav-marquee-header {
  text-align: center;
  margin-bottom: 40px;
}
.nav-marquee-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  border-radius: 99px;
  padding: 6px 16px;
  margin-bottom: 16px;
}
.nav-marquee-tag--lh {
  background: rgba(29,158,117,.08);
  border: 1px solid rgba(29,158,117,.25);
  color: #15805e;
}
.nav-marquee-tag--pc {
  background: rgba(201,168,76,.1);
  border: 1px solid rgba(201,168,76,.35);
  color: #a3792e;
}
.nav-marquee-tag-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  display: inline-block;
  animation: partner-pulse 2s infinite;
}
.nav-marquee-tag--lh .nav-marquee-tag-dot { background: #1D9E75; }
.nav-marquee-tag--pc .nav-marquee-tag-dot { background: var(--gold-dark); }
@keyframes partner-pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.4;transform:scale(1.4)} }

.nav-marquee-title {
  font-size: clamp(24px, 3.6vw, 38px);
  font-family: 'Playfair Display', serif;
  color: var(--text-dark);
  margin-bottom: 12px;
}
.nav-marquee-subtitle {
  font-size: 15.5px;
  color: #5a6478;
  max-width: 620px;
  margin: 0 auto 24px;
  line-height: 1.7;
}

/* Product pills */
.nav-marquee-products {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
}
.nav-marquee-product-pill {
  font-size: 12.5px;
  font-weight: 600;
  padding: 7px 16px;
  border-radius: 99px;
  transition: var(--transition);
  text-decoration: none;
  border: 1px solid transparent;
}
.nav-marquee-product-pill--lh {
  background: rgba(29,158,117,.07);
  border-color: rgba(29,158,117,.2);
  color: #15805e;
}
.nav-marquee-product-pill--lh:hover {
  background: #1D9E75;
  color: #fff;
  border-color: #1D9E75;
  transform: translateY(-1px);
}
.nav-marquee-product-pill--pc {
  background: rgba(201,168,76,.1);
  border-color: rgba(201,168,76,.3);
  color: #9c7726;
}
.nav-marquee-product-pill--pc:hover {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
  transform: translateY(-1px);
}

/* ── THE MARQUEE ITSELF ── */
.nav-marquee-wrap {
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
}
.nav-marquee-track {
  display: flex;
  align-items: stretch;
  gap: 28px;
  width: max-content;
  animation: nav-marquee-scroll 48s linear infinite;
  will-change: transform;
}
.nav-marquee-section--pc .nav-marquee-track {
  animation-duration: 54s;
}
.nav-marquee-wrap:hover .nav-marquee-track,
.nav-marquee-wrap:focus-within .nav-marquee-track {
  animation-play-state: paused;
}
@keyframes nav-marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .nav-marquee-track { animation: none; flex-wrap: wrap; width: 100%; justify-content: center; }
  .nav-marquee-wrap { -webkit-mask-image: none; mask-image: none; overflow: visible; }
}

/* Marquee card */
.nav-marquee-card {
  flex-shrink: 0;
  width: 200px;
  height: 110px;
  background: #ffffff;
  border: 1px solid rgba(20,30,50,.07);
  border-radius: 16px;
  box-shadow: 0 2px 10px rgba(20,30,50,.04);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 18px 28px;
  cursor: pointer;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  outline: none;
}
.nav-marquee-card:hover,
.nav-marquee-card:focus-visible {
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 12px 32px rgba(20,30,50,.10);
  border-color: rgba(201,168,76,.35);
  z-index: 2;
}
.nav-marquee-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 100%;
}

/* Edge fades */
.nav-marquee-fade {
  display: none; /* mask-image above handles the fade; kept for browsers without mask support */
}

/* Footer note */
.nav-marquee-footer {
  text-align: center;
  margin-top: 36px;
  font-size: 14px;
  color: #5a6478;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
}
.nav-marquee-footer a {
  color: var(--gold-dark);
  font-weight: 600;
  transition: color .2s;
}
.nav-marquee-footer a:hover { color: var(--gold); }
.nav-marquee-footer-icon { font-size: 18px; }
.nav-marquee-footer-sep { color: rgba(20,30,50,.2); }

/* ═══════════════════════════════════════════════════════════════
   2. FULL PARTNER GRID — Dedicated /insurance-partners/ page
═══════════════════════════════════════════════════════════════ */
.nav-partners-section {
  padding: 80px 0;
  position: relative;
  background: var(--off-white);
}
.nav-partners-section--lh { background: var(--off-white); }
.nav-partners-section--pc { background: #ffffff; }
.nav-partners-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.nav-partners-header { text-align: center; margin-bottom: 52px; }
.nav-partners-category-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  border-radius: 99px;
  padding: 6px 16px;
  margin-bottom: 18px;
}
.nav-partners-category-tag--lh { background: rgba(29,158,117,.08); border: 1px solid rgba(29,158,117,.25); color: #15805e; }
.nav-partners-category-tag--pc { background: rgba(201,168,76,.1); border: 1px solid rgba(201,168,76,.35); color: #a3792e; }
.nav-partners-category-dot { width: 6px; height: 6px; border-radius: 50%; display: inline-block; animation: partner-pulse 2s infinite; }
.nav-partners-category-tag--lh .nav-partners-category-dot { background: #1D9E75; }
.nav-partners-category-tag--pc .nav-partners-category-dot { background: var(--gold-dark); }

.nav-partners-title {
  font-size: clamp(26px, 4vw, 40px);
  font-family: 'Playfair Display', serif;
  color: var(--text-dark);
  margin-bottom: 14px;
}
.nav-partners-subtitle {
  font-size: 16px;
  color: #5a6478;
  max-width: 620px;
  margin: 0 auto 28px;
  line-height: 1.7;
}
.nav-partners-products-ribbon {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
}
.nav-partners-product-pill {
  font-size: 12.5px;
  font-weight: 600;
  padding: 7px 16px;
  border-radius: 99px;
  transition: var(--transition);
  text-decoration: none;
  border: 1px solid transparent;
}
.nav-partners-product-pill--lh { background: rgba(29,158,117,.07); border-color: rgba(29,158,117,.2); color: #15805e; }
.nav-partners-product-pill--lh:hover { background: #1D9E75; color: #fff; border-color: #1D9E75; transform: translateY(-1px); }
.nav-partners-product-pill--pc { background: rgba(201,168,76,.1); border-color: rgba(201,168,76,.3); color: #9c7726; }
.nav-partners-product-pill--pc:hover { background: var(--gold); color: #fff; border-color: var(--gold); transform: translateY(-1px); }

/* Logo grid */
.nav-partner-grid { display: grid; gap: 20px; }
.nav-partner-grid--full    { grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); }
.nav-partner-grid--compact { grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 16px; }

/* Partner card — premium white card */
.nav-partner-card {
  background: #ffffff;
  border: 1px solid rgba(20,30,50,.07);
  border-radius: 18px;
  padding: 28px 22px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 12px;
  cursor: pointer;
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
  position: relative;
  outline: none;
  box-shadow: 0 2px 10px rgba(20,30,50,.03);
}
.nav-partner-card:hover,
.nav-partner-card:focus-visible {
  border-color: rgba(201,168,76,.4);
  transform: translateY(-6px);
  box-shadow: 0 18px 44px rgba(20,30,50,.10);
}

.nav-partner-badge {
  position: absolute;
  top: 12px; right: 12px;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  background: var(--gold);
  color: var(--navy);
  padding: 3px 8px;
  border-radius: 6px;
}

.nav-partner-logo-wrap {
  width: 100%;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.nav-partner-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.3;
}
.nav-partner-tagline {
  font-size: 11.5px;
  color: #8893a8;
  line-height: 1.4;
}

.nav-partner-hover-cta {
  font-size: 11px;
  font-weight: 700;
  color: var(--gold-dark);
  opacity: 0;
  transform: translateY(6px);
  transition: opacity .2s, transform .2s;
  letter-spacing: .04em;
}
.nav-partner-card:hover .nav-partner-hover-cta,
.nav-partner-card:focus-visible .nav-partner-hover-cta {
  opacity: 1;
  transform: translateY(0);
}

.nav-partners-footer-note {
  text-align: center;
  margin-top: 40px;
  font-size: 14px;
  color: #5a6478;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
}
.nav-partners-footer-note a { color: var(--gold-dark); font-weight: 600; transition: color .2s; }
.nav-partners-footer-note a:hover { color: var(--gold); }
.nav-partners-note-icon { font-size: 18px; }

/* ═══════════════════════════════════════════════════════════════
   3. SHARED MODAL — stays dark navy as an overlay dialog
═══════════════════════════════════════════════════════════════ */
.nav-partner-modal {
  position: fixed;
  inset: 0;
  z-index: 9999;
  background: rgba(8, 14, 28, .72);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
}
.nav-partner-modal:not([hidden]) { opacity: 1; pointer-events: all; }
.nav-partner-modal[hidden] { display: none; }
.nav-partner-modal.is-open { display: flex; opacity: 1; pointer-events: all; }

.nav-partner-modal-inner {
  background: var(--navy-mid);
  border: 1px solid rgba(201,168,76,.25);
  border-radius: 20px;
  padding: 44px 40px;
  max-width: 480px;
  width: 100%;
  position: relative;
  box-shadow: 0 32px 80px rgba(0,0,0,.5);
  animation: modal-slide-up .28s cubic-bezier(.16,1,.3,1);
  max-height: 90vh;
  overflow-y: auto;
}
@keyframes modal-slide-up {
  from { transform: translateY(24px); opacity: 0; }
  to   { transform: translateY(0);   opacity: 1; }
}

.nav-partner-modal-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  color: var(--white);
  font-size: 14px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  transition: background .2s;
}
.nav-partner-modal-close:hover { background: rgba(255,255,255,.18); }

.nav-partner-modal-logo {
  margin-bottom: 22px;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 72px;
  background: #fff;
  border-radius: 12px;
  padding: 16px 24px;
}

.nav-partner-modal-title {
  font-size: 22px;
  font-family: 'Playfair Display', serif;
  color: var(--white);
  margin-bottom: 6px;
  text-align: center;
}
.nav-partner-modal-type {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gold);
  text-align: center;
  margin-bottom: 18px;
}
.nav-partner-modal-desc {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 20px;
}
.nav-partner-modal-products { margin-bottom: 24px; }
.nav-partner-modal-products strong {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.5);
  display: block;
  margin-bottom: 10px;
}
.nav-partner-modal-product-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.nav-partner-product-tag {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 99px;
  padding: 5px 12px;
  font-size: 12px;
  color: var(--white);
}
.nav-partner-modal-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 8px;
}
.nav-partner-modal-actions .btn { flex: 1; justify-content: center; font-size: 14px; }

/* ═══════════════════════════════════════════════════════════════
   4. DEDICATED PARTNERS PAGE — intro stats / divider
═══════════════════════════════════════════════════════════════ */
.nav-partners-intro-bar {
  background: #ffffff;
  border-bottom: 1px solid rgba(20,30,50,.06);
  padding: 28px 0;
}
.nav-partners-intro-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.nav-partners-intro-stat { display: flex; flex-direction: column; align-items: center; padding: 0 32px; gap: 2px; }
.nav-partners-intro-num { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700; color: var(--gold-dark); }
.nav-partners-intro-label { font-size: 11px; text-transform: uppercase; letter-spacing: .1em; color: #8893a8; white-space: nowrap; }
.nav-partners-intro-divider { width: 1px; height: 40px; background: rgba(20,30,50,.08); }
.nav-partners-intro-cta { margin-left: auto; padding-left: 32px; }
.nav-partners-page-section { padding: 0; }

.nav-partners-section-divider { padding: 8px 0; background: var(--off-white); }
.nav-partners-divider-line { display: flex; align-items: center; gap: 20px; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.nav-partners-divider-line::before,
.nav-partners-divider-line::after { content: ''; flex: 1; height: 1px; background: rgba(20,30,50,.08); }
.nav-partners-divider-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: .15em; color: #b0b8c8; white-space: nowrap; }

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════════ */
@media (max-width: 900px) {
  .nav-partner-grid--full { grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); }
  .nav-partners-intro-bar-inner { justify-content: center; gap: 12px; }
  .nav-partners-intro-cta { margin: 16px auto 0; width: 100%; text-align: center; }
  .nav-marquee-card { width: 160px; height: 92px; padding: 14px 20px; }
  .nav-marquee-wrap { -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 32px, #000 calc(100% - 32px), transparent 100%); mask-image: linear-gradient(90deg, transparent 0, #000 32px, #000 calc(100% - 32px), transparent 100%); }
}
@media (max-width: 640px) {
  .nav-marquee-section, .nav-partners-section { padding: 56px 0; }
  .nav-partner-grid--full    { grid-template-columns: repeat(2, 1fr); }
  .nav-partner-grid--compact { grid-template-columns: repeat(2, 1fr); }
  .nav-marquee-card { width: 138px; height: 84px; padding: 12px 16px; }
  .nav-marquee-track { gap: 16px; }
  .nav-partner-wordmark--marquee .nav-partner-wordmark-text { font-size: 14px; }
  .nav-partner-wordmark--card .nav-partner-wordmark-text { font-size: 14px; }
  .nav-partner-wordmark--marquee .nav-partner-mono,
  .nav-partner-wordmark--card .nav-partner-mono { width: 26px; height: 26px; font-size: 12px; }
  .nav-partner-modal-inner { padding: 32px 24px; }
  .nav-partner-modal-actions { flex-direction: column; }
}

/* ═══════════════════════════════════════════════════════════════
   CALENDLY EMBED
═══════════════════════════════════════════════════════════════ */
.calendly-embed-wrap {
  background: #fff;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0,0,0,.08);
}
@media (max-width: 640px) {
  .calendly-inline-widget { height: 760px !important; }
}

/* ═══════════════════════════════════════════════════════════════
   PHASE 2 — GEO OPTIMIZATION BLOCKS
   Direct Answer / Key Takeaways / Comparison Table / FAQ / Glossary
   Used on every service & guide page via nav_render_geo_blocks()
═══════════════════════════════════════════════════════════════ */
.geo-blocks { margin-bottom: 56px; }

.geo-section-heading {
  font-size: clamp(22px, 2.8vw, 30px);
  margin-bottom: 18px;
  font-family: 'Playfair Display', serif;
}

/* Direct Answer */
.geo-direct-answer {
  background: rgba(201,168,76,.08);
  border: 1px solid rgba(201,168,76,.25);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin-bottom: 40px;
}
.geo-direct-answer-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.geo-direct-answer p {
  font-size: 16px;
  color: var(--white);
  line-height: 1.7;
  margin: 0;
}

/* Key Takeaways */
.geo-key-takeaways { margin-bottom: 44px; }
.geo-takeaways-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.geo-takeaways-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14.5px;
  color: var(--text-body);
  line-height: 1.65;
}
.geo-takeaway-icon {
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(29,158,117,.15);
  color: #1D9E75;
  font-size: 12px;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin-top: 2px;
}

/* Comparison Table */
.geo-comparison { margin-bottom: 44px; }
.geo-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.16);
}
.geo-comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  min-width: 480px;
}
.geo-comparison-table th {
  background: rgba(201,168,76,.12);
  color: var(--gold);
  font-weight: 700;
  text-align: left;
  padding: 14px 18px;
  white-space: nowrap;
  border-bottom: 1px solid rgba(201,168,76,.2);
}
.geo-comparison-table td {
  padding: 14px 18px;
  color: var(--text-body);
  border-bottom: 1px solid rgba(255,255,255,.08);
  vertical-align: top;
}
.geo-comparison-table tr:last-child td { border-bottom: none; }
.geo-comparison-table tr:hover td { background: rgba(255,255,255,.04); }
.geo-comparison-table strong { color: var(--white); }
.geo-comparison-table a { color: var(--gold); font-weight: 600; }

/* Glossary Links */
.geo-glossary-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  margin-top: 8px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.geo-glossary-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-right: 4px;
}
.geo-glossary-links a {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--gold);
  background: rgba(201,168,76,.08);
  border: 1px solid rgba(201,168,76,.2);
  border-radius: 99px;
  padding: 5px 13px;
  transition: var(--transition);
  text-decoration: none;
}
.geo-glossary-links a:hover { background: var(--gold); color: var(--navy); }

@media (max-width: 640px) {
  .geo-direct-answer { padding: 18px 20px; }
  .geo-comparison-table { font-size: 12.5px; }
  .geo-comparison-table th, .geo-comparison-table td { padding: 10px 12px; }
}

/* ═══════════════════════════════════════════════════════════════
   PHASE 2 — INSURANCE CALCULATORS
═══════════════════════════════════════════════════════════════ */
.calc-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 32px;
}
.calc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 18px;
  margin-bottom: 8px;
}
.calc-input-group label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.calc-result {
  margin-top: 24px;
  background: rgba(201,168,76,.08);
  border: 1px solid rgba(201,168,76,.25);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 20px 24px;
}
.calc-result-amount {
  font-size: 28px;
  font-weight: 800;
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  margin-bottom: 4px;
}
.calc-result-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
}
.calc-result-note {
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.6;
}
@media (max-width: 640px) {
  .calc-card { padding: 24px; }
}

/* ═══════════════════════════════════════════════════════════════
   PHASE 2 — HOMEPAGE: WHY USE A BROKER
═══════════════════════════════════════════════════════════════ */
.broker-reasons-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-top: 32px;
}
.broker-reason-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}
.broker-reason-card:hover {
  border-color: rgba(201,168,76,.35);
  transform: translateY(-4px);
}
.broker-reason-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: rgba(201,168,76,.1);
  border: 1px solid rgba(201,168,76,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  margin-bottom: 16px;
}
.broker-reason-title { font-size: 16px; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.broker-reason-desc { font-size: 13.5px; color: var(--text-muted); line-height: 1.65; }

/* ═══════════════════════════════════════════════════════════════
   PHASE 2 — HOMEPAGE: FEATURED INSURANCE COMPANIES (static, near top)
═══════════════════════════════════════════════════════════════ */
.featured-companies-section {
  background: #ffffff;
  padding: 40px 0;
  border-bottom: 1px solid rgba(20,30,50,.06);
}
.featured-companies-label {
  text-align: center;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: #8893a8;
  margin-bottom: 24px;
}
.featured-companies-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 24px 40px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}
.featured-company-item {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 48px;
  opacity: .85;
  transition: opacity .2s, transform .2s;
}
.featured-company-item:hover { opacity: 1; transform: scale(1.05); }

/* ═══════════════════════════════════════════════════════════════
   PHASE 2 — HOMEPAGE: COMPARE INSURANCE OPTIONS
═══════════════════════════════════════════════════════════════ */
.compare-teaser-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-top: 32px;
}
.compare-teaser-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 24px;
  text-decoration: none;
  display: block;
  transition: var(--transition);
}
.compare-teaser-card:hover {
  border-color: rgba(201,168,76,.35);
  transform: translateY(-4px);
}
.compare-teaser-vs {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.compare-teaser-vs-divider {
  font-size: 11px;
  font-weight: 800;
  color: var(--gold);
  background: rgba(201,168,76,.1);
  border-radius: 99px;
  padding: 2px 8px;
}
.compare-teaser-desc { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin-bottom: 10px; }
.compare-teaser-link { font-size: 12.5px; font-weight: 700; color: var(--gold); }

/* ═══════════════════════════════════════════════════════════
   PHASE 3 FIXES
═══════════════════════════════════════════════════════════ */

/* Mobile bar: CSS-only visibility (was JS-based) */
.mobile-bar { display: none; }
@media (max-width: 1024px) { .mobile-bar { display: flex; } }

/* FAQ aria-expanded state */
.faq-question[aria-expanded="true"] .faq-arrow { transform: rotate(45deg); }

/* Skip-to-content link for keyboard/screen reader users */
.skip-to-content {
  position: absolute;
  top: -100%;
  left: 0;
  z-index: 9999;
  padding: 12px 20px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 14px;
  transition: top 0.2s;
}
.skip-to-content:focus { top: 0; }

/* Ensure .container utility is usable in templates */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 5vw; width: 100%; }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — GEO OPTIMIZATION BLOCK STYLES
   Direct Answer, Key Takeaways, Comparison Table, FAQ, Glossary Links
═══════════════════════════════════════════════════════════════ */
.geo-blocks { display: flex; flex-direction: column; gap: 32px; margin: 48px 0; }
.geo-block {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px;
  padding: 28px 32px;
  contain: layout style;
}
.geo-block-label {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 16px;
}
.geo-icon { font-size: 16px; }

/* Direct Answer */
.geo-direct-answer { border-left: 3px solid var(--gold); border-radius: 0 16px 16px 0; }
.geo-answer-text p { font-size: 16px; line-height: 1.7; color: var(--text-light); margin: 0 0 12px; }
.geo-source { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; font-size: 12px; color: var(--text-muted); border-top: 1px solid rgba(255,255,255,.08); padding-top: 12px; margin-top: 4px; }
.geo-source a { color: var(--gold); text-decoration: none; font-weight: 600; }
.geo-source a:hover { text-decoration: underline; }

/* Key Takeaways */
.geo-takeaway-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.geo-takeaway-list li { display: flex; gap: 10px; font-size: 14px; line-height: 1.6; color: var(--text-light); }
.geo-takeaway-list li::before { content: "✓"; color: var(--teal); font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* Comparison Table */
.geo-comparison-title { font-size: 16px; font-weight: 600; color: var(--white); margin: 0 0 16px; }
.geo-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: 10px; }
.geo-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.geo-table th { background: rgba(201,168,76,.15); color: var(--gold); font-weight: 600; padding: 12px 14px; text-align: left; white-space: nowrap; border-bottom: 1px solid rgba(201,168,76,.2); }
.geo-table td { padding: 11px 14px; color: var(--text-light); border-bottom: 1px solid rgba(255,255,255,.06); vertical-align: top; }
.geo-table tr:last-child td { border-bottom: none; }
.geo-table tr:hover td { background: rgba(255,255,255,.03); }
.geo-table td[scope="row"] { font-weight: 600; color: var(--white); }
.geo-table-note { font-size: 11px; color: var(--text-muted); margin: 10px 0 0; font-style: italic; }

/* FAQ block */
.geo-faqs .faq-list { display: flex; flex-direction: column; gap: 0; }
.geo-faqs .faq-item { border-bottom: 1px solid rgba(255,255,255,.08); }
.geo-faqs .faq-item:last-child { border-bottom: none; }
.geo-faqs .faq-question {
  width: 100%; background: none; border: none; padding: 16px 4px;
  display: flex; justify-content: space-between; align-items: flex-start; gap: 12px;
  color: var(--white); font-size: 14px; font-weight: 600; text-align: left; cursor: pointer;
}
.geo-faqs .faq-question:hover { color: var(--gold); }
.geo-faqs .faq-arrow { font-size: 20px; color: var(--gold); flex-shrink: 0; line-height: 1; transition: transform .2s ease; }
.geo-faqs .faq-question[aria-expanded="true"] .faq-arrow { transform: rotate(45deg); }
.geo-faqs .faq-answer { display: none; padding: 0 4px 16px; font-size: 14px; line-height: 1.7; color: var(--text-body); }
.geo-faqs .faq-answer.visible { display: block; }
.geo-faqs .faq-cta-link { display: inline-block; margin-top: 8px; font-size: 13px; color: var(--gold); text-decoration: none; font-weight: 600; }
.geo-faqs .faq-cta-link:hover { text-decoration: underline; }

/* Glossary links */
.geo-glossary-links { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.08); margin-top: 8px; }
.geo-glossary-label { font-size: 11px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: .06em; }
.geo-glossary-links a { font-size: 12px; color: var(--text-muted); text-decoration: none; background: rgba(255,255,255,.06); padding: 4px 10px; border-radius: 20px; border: 1px solid rgba(255,255,255,.1); transition: all .2s; }
.geo-glossary-links a:hover { color: var(--gold); border-color: var(--gold); background: rgba(201,168,76,.08); }

/* Inline glossary auto-links */
.glossary-link { color: var(--text-light); border-bottom: 1px dashed rgba(201,168,76,.4); text-decoration: none; }
.glossary-link:hover { color: var(--gold); border-color: var(--gold); }

/* City cross-link grid */
.geo-city-grid { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 4px; }
.geo-city-pill { font-size: 12px; padding: 6px 12px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 20px; color: var(--text-light); text-decoration: none; transition: all .2s; }
.geo-city-pill:hover { color: var(--gold); border-color: var(--gold); background: rgba(201,168,76,.08); }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — EXIT INTENT MODAL
═══════════════════════════════════════════════════════════════ */
.nav-exit-intent {
  position: fixed; inset: 0; z-index: 9999;
  background: rgba(0,0,0,.72); backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center;
  padding: 20px;
  opacity: 0; transition: opacity .3s ease;
}
.nav-exit-intent.is-open { opacity: 1; }
.nav-exit-inner {
  background: var(--dark-card); border: 1px solid rgba(255,255,255,.14); border-radius: 20px;
  padding: 40px; max-width: 520px; width: 100%; position: relative;
  box-shadow: 0 24px 60px rgba(0,0,0,.6);
}
.nav-exit-close {
  position: absolute; top: 16px; right: 16px; background: none; border: none;
  color: var(--text-muted); font-size: 18px; cursor: pointer; padding: 4px 8px; border-radius: 6px;
}
.nav-exit-close:hover { color: var(--white); background: rgba(255,255,255,.08); }
.nav-exit-header { text-align: center; margin-bottom: 24px; }
.nav-exit-header h3 { font-size: clamp(20px,2.5vw,26px); color: var(--white); margin: 0 0 8px; }
.nav-exit-header p  { font-size: 14px; color: var(--text-body); margin: 0; }
@media (max-width: 480px) { .nav-exit-inner { padding: 24px 20px; } }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — PERFORMANCE / CORE WEB VITALS
   contain, will-change limits, content-visibility lazy sections
═══════════════════════════════════════════════════════════════ */
/* Improve paint performance on heavy sections */
.section { contain: layout style; }
.nav-partner-card { contain: layout style paint; }
.nav-partner-modal { contain: layout style; }

/* Reserve space for above-fold hero to prevent CLS */
.page-hero { min-height: 320px; }
.hero-section { min-height: 560px; }

/* content-visibility for below-fold sections (saves ~50ms render) */
@supports (content-visibility: auto) {
  .section:not(:first-of-type) { content-visibility: auto; contain-intrinsic-size: auto 400px; }
}

/* Ensure images never cause CLS */
img { max-width: 100%; height: auto; }
.nav-partner-logo-img { width: 160px; height: 64px; object-fit: contain; }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — STICKY LEAD GEN BAR (ENHANCED)
   Improved desktop sticky CTA with phone number + quote button
═══════════════════════════════════════════════════════════════ */
.nav-sticky-lead {
  display: none; /* JS enables after scroll */
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 900;
  background: linear-gradient(135deg,var(--dark-900),var(--dark-card));
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 12px 5vw; align-items: center; justify-content: space-between;
  box-shadow: 0 -4px 24px rgba(0,0,0,.4);
  gap: 16px;
}
@media (min-width: 1025px) {
  .nav-sticky-lead { display: none; } /* Desktop — use sidebar form instead */
}
/* Phone tracking link style */
.nav-phone-link { color: var(--gold); font-weight: 700; text-decoration: none; }
.nav-phone-link:hover { text-decoration: underline; }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — CONTENT TEMPLATES SHARED STYLES
   Used by service, city, comparison, cost guide, FAQ page templates
═══════════════════════════════════════════════════════════════ */
/* Sidebar layout for service / city / guide pages */
.template-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px; align-items: start;
  max-width: 1200px; margin: 0 auto; padding: 80px 5vw;
}
@media (max-width: 900px) {
  .template-layout { grid-template-columns: 1fr; }
  .template-sidebar { order: -1; }
}
.template-sidebar { position: sticky; top: 90px; }

/* Trust badge row */
.trust-badges { display: flex; flex-wrap: wrap; gap: 10px; margin: 20px 0; }
.trust-badge { display: flex; align-items: center; gap: 6px; font-size: 12px; color: var(--text-muted); background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: 20px; padding: 6px 12px; }

/* Cost guide / comparison page tables */
.cost-table-wrap { overflow-x: auto; border-radius: 12px; margin: 24px 0; }
.cost-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.cost-table th { background: var(--dark-card); color: var(--gold); padding: 14px 16px; text-align: left; font-weight: 600; border-bottom: 2px solid var(--gold); }
.cost-table td { padding: 13px 16px; border-bottom: 1px solid rgba(255,255,255,.07); color: var(--text-light); vertical-align: top; }
.cost-table tr:last-child td { border-bottom: none; }
.cost-table .highlight { background: rgba(201,168,76,.08); font-weight: 600; }

/* City page hero elements */
.city-hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 28px; }
.city-stat { text-align: center; }
.city-stat-number { font-size: clamp(24px,3vw,36px); font-weight: 800; color: var(--gold); }
.city-stat-label { font-size: 11px; color: var(--text-muted); text-transform: uppercase; letter-spacing: .07em; margin-top: 4px; }
@media (max-width: 600px) { .city-hero-stats { grid-template-columns: repeat(2,1fr); } }

/* Service+city page combined badge */
.service-city-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(201,168,76,.1); border: 1px solid rgba(201,168,76,.2); border-radius: 8px; padding: 6px 14px; font-size: 12px; color: var(--gold); font-weight: 600; margin-bottom: 16px; }

/* Steps process */
.steps-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 24px; }
.step-number { width: 40px; height: 40px; border-radius: 50%; background: var(--gold); color: var(--dark-navy); font-weight: 800; font-size: 16px; display: flex; align-items: center; justify-content: center; margin-bottom: 12px; }
.step-title { font-size: 14px; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.step-desc { font-size: 13px; color: var(--text-body); line-height: 1.6; }
@media (max-width: 768px) { .steps-grid { grid-template-columns: 1fr; } }

/* Benefits grid */
.benefits-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 28px; }
.benefit-item { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: 14px; padding: 24px; }
.benefit-icon { font-size: 28px; margin-bottom: 12px; }
.benefit-item h3 { font-size: 15px; font-weight: 700; color: var(--white); margin: 0 0 8px; }
.benefit-item p { font-size: 13px; color: var(--text-body); line-height: 1.6; margin: 0; }
@media (max-width: 900px) { .benefits-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 600px) { .benefits-grid { grid-template-columns: 1fr; } }

/* Location pills */
.location-pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.location-pill { display: inline-block; padding: 8px 16px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; font-size: 13px; color: var(--text-light); text-decoration: none; transition: all .2s; }
.location-pill:hover { background: rgba(201,168,76,.12); border-color: var(--gold); color: var(--gold); }

/* Review tags (reviews page) */
.review-tags { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.review-tag { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; padding: 7px 14px; font-size: 13px; color: var(--text-light); }

/* Rating overview */
.rating-overview { display: grid; grid-template-columns: auto 1fr; gap: 40px; align-items: start; }
.rating-big { text-align: center; }
.rating-number { font-size: 72px; font-weight: 800; color: var(--gold); line-height: 1; }
.rating-stars { font-size: 24px; color: var(--gold); }
.rating-count { font-size: 13px; color: var(--text-muted); margin-top: 6px; }
.rating-bar-row { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; font-size: 13px; color: var(--text-body); }
.rating-bar { flex: 1; height: 8px; background: rgba(255,255,255,.1); border-radius: 4px; overflow: hidden; }
.rating-bar-fill { height: 100%; background: var(--gold); border-radius: 4px; }
@media (max-width: 600px) { .rating-overview { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — PRINT STYLES
   Clean print output for policy documents / quote confirmations
═══════════════════════════════════════════════════════════════ */
@media print {
  .nav-wrapper, .mobile-bar, .mobile-nav, .nav-whatsapp-float, .nav-sticky-lead,
  .nav-exit-intent, footer, .nav-marquee-wrap, .template-sidebar { display: none !important; }
  body { background: #fff !important; color: #000 !important; font-size: 12pt; }
  a { color: #000 !important; text-decoration: underline; }
  .geo-block { border: 1px solid #ccc !important; background: #f9f9f9 !important; color: #000 !important; }
  .geo-table th { background: #eee !important; color: #000 !important; }
  .geo-table td { color: #333 !important; }
}

/* ═══════════════════════════════════════════════════════════════
   PHASE 4 — REDUCED MOTION (accessibility)
   All animations off when user has prefers-reduced-motion enabled
═══════════════════════════════════════════════════════════════ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .nav-marquee-track { animation: none !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
}