/* ============================================================
   Chambliss Premier — Layout & Components
   ============================================================ */

/* The Loader */
/* Loader Overlay */
#loader-wrapper {
    display: none; /* Change to flex to show loader */
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    z-index: 9999;
    background: rgba(0, 0, 0, 0.7);
}


/* Main Loader Circle */
#loader {
    width: 150px;
    height: 150px;
    border-radius: 50%;
    border: 3px solid transparent;
    border-top-color: #16a085;
    animation: spin 1.7s linear infinite;
    position: relative;
}

    /* Second Ring */
    #loader:before {
        content: "";
        position: absolute;
        top: 5px;
        left: 5px;
        right: 5px;
        bottom: 5px;
        border-radius: 50%;
        border: 3px solid transparent;
        border-top-color: #e74c3c;
        animation: spin-reverse 0.6s linear infinite;
    }

    /* Third Ring */
    #loader:after {
        content: "";
        position: absolute;
        top: 15px;
        left: 15px;
        right: 15px;
        bottom: 15px;
        border-radius: 50%;
        border: 3px solid transparent;
        border-top-color: #f9c922;
        animation: spin 1s linear infinite;
    }

.w-100 {
    width:100% !important;
}
    .h-100{
        height:100% !important;
    }
/* Animations */
@keyframes spin {
    0% {
        transform: rotate(0deg);
    }

    100% {
        transform: rotate(360deg);
    }
}

@keyframes spin-reverse {
    0% {
        transform: rotate(360deg);
    }

    100% {
        transform: rotate(0deg);
    }
}

#loader-wrapper.show {
    display: flex;
    justify-content: center;
    align-items: center;
}
/* loader end */


/* quote section */

.quote-section {
    padding: 10px;
}

.get-quote {
    position: fixed;
    bottom: 5px;
    transition: all 0.3s ease;
    z-index: 999;
}

.quote-body {
    position: absolute;
    bottom: 50px;
    width: 400px;
    background: #fff;
    padding: 15px;
    border: solid 2px var(--primary-color);
    display: none;
    overflow: hidden;
    border-radius: 10px;
    /*height:0;*/
    /*transition:0.7s ease;*/
}

.get-quote-btn {
    animation: bounce 2s infinite;
    background: var(--blue);
    color:#fff;
}

@keyframes bounce {
    0%, 20%, 50%, 80%, 100% {
        transform: translateY(0);
    }

    40% {
        transform: translateY(-10px);
    }

    60% {
        transform: translateY(-5px);
    }
}

.quote-body ul li {
    border-bottom: solid 1px var(--primary-color);
    list-style: none;
}

    .quote-body ul li a {
        padding: 10px;
        display: block;
        transition: 0.5s ease;
    }

        .quote-body ul li a:hover {
            background: var(--blue);
            color: #fff;
        }

/* quote section end */

/* ---------- Top utility bar ---------- */
.topbar {
  background: var(--navy-900);
  color: #FFFFFF;
  font-size: 14px;
}
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 46px; }
.topbar a { display: inline-flex; align-items: center; gap: 8px; transition: color .2s; }
.topbar a:hover { color: #fff; }
.topbar svg { width: 15px; height: 15px; color: #FFFFFF; opacity: 1; }
.topbar .tb-right { display: flex; align-items: center;  gap: 26px; }
    .topbar .tb-right .contacts {
        display: flex;
        align-items: center;
        gap: 26px;
    }
.topbar .tb-socials { display: flex; gap: 14px; }
.topbar .tb-socials a { color: #FFFFFF; }
.topbar .tb-socials svg { width: 21px; height: 21px; }
@media (max-width: 760px) { .topbar .tb-left .tb-email { display: none; } .topbar { font-size: 13px; }
    .topbar .tb-right .contacts {
         display:none;
    }
    .topbar .tb-right{
        justify-content:center;
    }

    .topbar .wrap{
        justify-content:center;
    }

}

.flex-section{
    display:flex;
    justify-content:space-between;
}
/* ---------- Header / Nav ---------- */
.header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255,255,255,.88);
    backdrop-filter: saturate(160%) blur(14px);
    border-bottom: 1px solid var(--line);
    transition: box-shadow .3s ease, background .3s ease;
}
.header.scrolled { box-shadow: 0 10px 30px -16px rgba(16,40,70,.25); }
/* header uses a fuller-width layout so the menu fits on one line */
.header .wrap { max-width: min(1640px, 95vw); padding-inline: clamp(18px, 2.5vw, 40px); }
.nav { display: flex; align-items: center; gap: 22px; min-height: 84px; }
.nav__logo img { height: 92px; width: auto; }
.nav__menu { display: flex; align-items: center; gap: 2px; margin-left: auto; }
.nav__menu a {
  font-family: var(--display); font-weight: 600; font-size: 14.5px;
  color: var(--heading); white-space: nowrap;
  padding: 9px 11px; border-radius: 10px;
  position: relative; transition: color .2s, background .2s;
}
.nav__menu a:hover { color: var(--blue); background: var(--blue-050); }
.nav__menu a.active { color: var(--blue); }

/* nav dropdown (About Us → submenu) */
.nav__group { position: relative; }
.nav__trigger { display: inline-flex; align-items: center; gap: 5px; }
.nav__chev { width: 14px; height: 14px; transition: transform .25s ease; }
.nav__group:hover .nav__chev { transform: rotate(180deg); }
/* invisible hover bridge across the gap so the menu doesn't flicker closed */
.nav__group::after { content: ""; position: absolute; top: 100%; left: 0; right: 0; height: 14px; }
.nav__sub {
  position: absolute; top: calc(100% + 12px); left: 0; min-width: 224px;
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow); padding: 8px; display: flex; flex-direction: column; gap: 2px;
  opacity: 0; visibility: hidden; transform: translateY(8px); pointer-events: none;
  transition: opacity .22s ease, transform .22s ease, visibility .22s ease; z-index: 80;
}
.nav__group:hover .nav__sub, .nav__group:focus-within .nav__sub {
  opacity: 1; visibility: visible; transform: translateY(0); pointer-events: auto;
}
.nav__sub a { padding: 11px 14px; border-radius: 9px; font-size: 14.5px; white-space: nowrap; }
.nav__sub a:hover, .nav__sub a.active { color: var(--blue); background: var(--blue-050); }
.nav__cta { display: flex; align-items: center; gap: 14px; }
.nav__burger {
  display: none; width: 46px; height: 46px; border-radius: 12px;
  border: 1px solid var(--line-2); background: #fff; color: var(--heading);
  align-items: center; justify-content: center;
}
.nav__burger svg { width: 22px; height: 22px; }

@media (max-width: 1180px) {
  .nav__menu, .nav__cta .btn { display: none; }
  .nav__burger { display: inline-flex; margin-left: auto; }
}
/* mobile drawer */
.drawer {
  position: fixed; inset: 0; z-index: 200;
  background: rgba(8,22,38,.5); backdrop-filter: blur(4px);
  opacity: 0; pointer-events: none; transition: opacity .3s;
}
.drawer.open { opacity: 1; pointer-events: auto; }
.drawer__panel {
  position: absolute; top: 0; right: 0; height: 100%; width: min(340px, 86vw);
  background: #fff; padding: 28px 24px;
  transform: translateX(100%); transition: transform .35s cubic-bezier(.2,.8,.2,1);
  display: flex; flex-direction: column; gap: 6px; overflow-y: auto;
}
.drawer.open .drawer__panel { transform: none; }
.drawer__head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.drawer__head img { height: 40px; }
.drawer__close { width: 42px; height: 42px; border-radius: 10px; border: 1px solid var(--line-2); background: #fff; display: grid; place-items: center; }
.drawer__panel a.dl {
  font-family: var(--display); font-weight: 600; font-size: 17px; color: var(--heading);
  padding: 13px 14px; border-radius: 10px; border-bottom: 1px solid var(--line);
}
.drawer__panel a.dl:hover { color: var(--blue); }
.drawer__panel .btn { margin-top: 20px; justify-content: center; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #fff 0%, var(--paper) 100%); }
.hero::before {
  content: ""; position: absolute; top: -180px; right: -160px; width: 620px; height: 620px;
  background: radial-gradient(circle, rgba(26,111,196,.12), transparent 62%);
  border-radius: 50%; pointer-events: none;
}
.hero__grid {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(36px, 5vw, 80px);
  align-items: center; padding-block: clamp(56px, 7vw, 104px);
}
.hero__chip {
  display: inline-flex; align-items: center; gap: 9px;
  background: #fff; border: 1px solid var(--line-2); border-radius: 999px;
  padding: 8px 16px 8px 10px; font-size: 14px; font-weight: 600; color: var(--heading);
  box-shadow: var(--shadow-sm); margin-bottom: 26px;
}
.hero__chip .dot { width: 9px; height: 9px; border-radius: 50%; background: #1FAE6A; box-shadow: 0 0 0 4px rgba(31,174,106,.18); }
.hero h1 { font-size: clamp(38px, 5.2vw, 66px); }
.hero h1 .accent { color: var(--blue); }
.hero__lede { margin: 26px 0 34px; font-size: clamp(17px, 1.3vw, 20px); max-width: 52ch; }
.hero__actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.hero__trust { display: flex; align-items: center; gap: 22px; margin-top: 42px; flex-wrap: wrap; }
.hero__trust .stat { display: flex; flex-direction: column; }
.hero__trust .stat b { font-family: var(--display); font-size: 30px; color: var(--heading); line-height: 1; }
.hero__trust .stat span { font-size: 13.5px; color: var(--muted); margin-top: 6px; }
.hero__trust .divider { width: 1px; height: 40px; background: var(--line-2); }

.hero__media { position: relative; }
.hero__media .ph { aspect-ratio: 4/4.4; }
.hero__badge {
  position: absolute; left: -26px; bottom: 36px;
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  box-shadow: var(--shadow); padding: 16px 20px; display: flex; align-items: center; gap: 14px;
}
.hero__badge .ring {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: var(--blue-050); color: var(--blue); border: 1px solid var(--blue-100);
}
.hero__badge .ring svg { width: 24px; height: 24px; }
.hero__badge b { font-family: var(--display); color: var(--heading); font-size: 17px; display: block; }
.hero__badge span { font-size: 13px; color: var(--muted); }
.hero__quote {
  position: absolute; right: -18px; top: 30px;
  background: var(--navy); color: #fff; border-radius: 16px; padding: 16px 20px;
  box-shadow: var(--shadow-lg); font-family: var(--display); font-weight: 700; font-size: 15px;
  display: flex; align-items: center; gap: 10px;
}
.hero__quote svg { width: 20px; height: 20px; color: #6FB0F0; }


/*custome css banner*/

.banner-section {
    width: 100%;
}

.banner-content {
    width: 100%;
    /*height: 900px;*/
}

    .banner-content .arrow {
        position: absolute;
        top: 50%;
        transform: translate(-50%, 0);
        z-index: 1;
        padding: 10px;
        background: #fff;
    }

        .banner-content .paginator .next {
           right:0px;
           left:unset;
        }

        .banner-content .paginator .prev {
            left: 50px;
        }

    .banner-content video {
        width: 100%;
        height: 100%;
        object-fit: cover;
    }

.banner-content ul.slick-dots {
    position: absolute;
    bottom: 30px;
    display: flex;
    gap:6px;
    justify-content: center;
    left: 0;
    right: 0;
}

    .banner-content ul.slick-dots li {
        background: var(--blue-100);
        border-radius:50%;
        overflow:hidden;
        width:12px;
        height:12px;
        transition:all 0.5s ease-in-out;
    }

    .banner-content ul.slick-dots li button{
        background:none;
        font-size:0;
        border-radius:50%;
        padding:0;
        width:100%;
        height:100%;
        border:none;
    }
        .banner-content ul.slick-dots li.slick-active {
            background: var(--blue);
            width:22px;
            border-radius:10px;
        }
        .banner-content .banner-data {
        position: absolute;
        max-width: 900px;
        margin: 0 auto;
        top: 50%;
        left: 0;
        right: 0;
        padding: 40px;
        transform: translateY(-50%);
        /*background: var(--navy);*/
        background: rgb(28 49 74 / 66%);
        color: #fff;
        text-align:center;
    }

            .banner-content .banner-data .hero__actions {
                justify-content:center;
            }

            .banner-content .banner-data h1 {
                font-size: 2.4rem;
                color: #fff;
                margin-bottom: 1em;
            }

        .banner-content .banner-data p {
            font-size: 1.1rem;
            margin-bottom: 1em;
        }

@media (max-width:991px) {
    .banner-content {
        width: 100%;
        height: auto;
    }

        .banner-content video {
            width: 100%;
            height: auto;
            object-fit: contain;
        }

        .banner-content .banner-data {
            position: relative;
            top: 0;
            padding: 40px;
            transform: none;
            background: rgb(28 49 74 / 100%);
            color: #fff;
        }

            .banner-content .banner-data h1 {
                font-size: 2rem;
            }

            .banner-content .banner-data p {
                font-size: 1rem;
            }

        .banner-content .paginator{
            display:none;
        }
}

/*custome css banner end*/

@media (max-width: 940px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__media { order: -1; }
  .hero__media .ph { aspect-ratio: 16/10; }
  .hero__quote, .hero__badge { display: none; }
}

/* ---------- Category cards ---------- */
.cats { margin-top: 0; }
.cats__grid { grid-template-columns: repeat(4, 1fr); }
.cat {
  padding: 30px 26px 28px; display: flex; flex-direction: column; align-items: flex-start;
  position: relative; overflow: hidden;
}
.cat::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 3px; width: 0;
  background: var(--blue); transition: width .35s ease;
}
.cat:hover::after { width: 100%; }
.cat h3 { font-size: 21px; margin: 20px 0 10px; }
.cat p { font-size: 15px; line-height: 1.6; }
.card__points { list-style: none; margin: 12px 0 0; padding: 0; display: grid; gap: 9px; }
.card__points li { position: relative; padding-left: 20px; font-size: 14px; line-height: 1.55; color: var(--muted); }
.card__points li::before { content: ""; position: absolute; left: 2px; top: 8px; width: 7px; height: 7px; border-radius: 50%; background: var(--blue); }
.card__points li b { color: var(--heading); font-weight: 600; }

/* Medigap standardized plan-letter chips */
.plan-chips { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; max-width: 720px; margin: 34px auto 0; }
.plan-chip { font-family: var(--display); font-weight: 700; font-size: 15px; color: var(--blue); background: var(--blue-050); border: 1px solid var(--blue-100); border-radius: 999px; padding: 10px 20px; transition: transform .2s ease, background-color .2s ease, color .2s ease; }
.plan-chip:hover { transform: translateY(-3px); background: var(--blue); color: #fff; border-color: var(--blue); }
.cat .btn--text { margin-top: 18px; }
@media (max-width: 980px) { .cats__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 540px) { .cats__grid { grid-template-columns: 1fr; } }

/* ---------- About ---------- */
.about__grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(36px, 5vw, 76px); align-items: center; }
.about__media { position: relative; }
.about__media .ph { aspect-ratio: 5/5.4; }
.about__media .ph.ph--small {
  position: absolute; right: -22px; bottom: -28px; width: 46%; aspect-ratio: 4/3.4;
  border: 6px solid #fff; box-shadow: var(--shadow);
}
.about__years {
  position: absolute; left: -24px; top: 30px; background: var(--blue); color: #fff;
  border-radius: 18px; padding: 20px 22px; box-shadow: var(--shadow); text-align: center;
}
.about__years b { font-family: var(--display); font-size: 40px; line-height: 1; display: block; }
.about__years span { font-size: 13px; opacity: .9; }
.about__phone {
  display: inline-flex; align-items: center; gap: 14px; margin: 4px 0 24px;
  font-family: var(--display); font-weight: 800; font-size: 26px; color: var(--heading);
}
.about__phone .ico { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-050); color: var(--blue); display: grid; place-items: center; }
.about__phone .ico svg { width: 22px; height: 22px; }
.about p + p { margin-top: 16px; }
.about__list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; margin: 26px 0 30px; }
.about__list li { display: flex; align-items: center; gap: 11px; font-weight: 600; color: var(--heading); font-size: 15.5px; }
.about__list svg { width: 20px; height: 20px; color: var(--blue); flex: none; }
@media (max-width: 900px) {
  .about__grid { grid-template-columns: 1fr; }
  .about__list { grid-template-columns: 1fr; }
  .about__media .ph.ph--small { display: none; }
}

/* ---------- Services (tabbed) ---------- */
.svc__tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 38px; }
.svc__tab {
  font-family: var(--display); font-weight: 700; font-size: 15px; color: var(--heading);
  background: #fff; border: 1px solid var(--line-2); border-radius: 999px; padding: 12px 22px;
  transition: all .2s ease;
}
.svc__tab:hover { border-color: var(--blue); color: var(--blue); }
.svc__tab.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.svc__panel { display: none; }
.svc__panel.active { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(30px,4vw,64px); align-items: center; animation: fade .4s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.svc__panel .ph { aspect-ratio: 16/11; }
.svc__body h3 { font-size: clamp(26px, 3vw, 36px); margin-bottom: 16px; }
.svc__body .feat { display: grid; gap: 14px; margin: 24px 0 30px; }
.svc__body .feat li { display: flex; gap: 13px; align-items: flex-start; }
.svc__body .feat .ck { width: 26px; height: 26px; border-radius: 8px; background: var(--blue-050); color: var(--blue); display: grid; place-items: center; flex: none; margin-top: 2px; }
.svc__body .feat .ck svg { width: 16px; height: 16px; }
.svc__body .feat b { color: var(--heading); font-family: var(--display); }
@media (max-width: 860px) { .svc__panel.active { grid-template-columns: 1fr; } .svc__panel .ph { order: -1; } }
@media (max-width: 768px) {
    .svc__tabs {
        display: flex;
        flex-wrap: nowrap;
        overflow: auto;
    }
}

/* ---------- Protect Dreams (quick actions) ---------- */
.protect__grid { grid-template-columns: repeat(4,1fr); margin-top: 8px; }
.qa {
  background: var(--navy-700); border: 1px solid var(--navy-600); border-radius: var(--radius);
  padding: 30px 26px; transition: transform .25s ease, background .25s ease;
  position: relative; overflow: hidden;
}
.qa:hover { transform: translateY(-6px); background: var(--navy-600); }
.qa .icon-badge { background: rgba(111,176,240,.12); color: #8EC2F4; border-color: rgba(111,176,240,.25); }
.qa h3 { color: #fff; font-size: 20px; margin: 22px 0 10px; }
.qa p { font-size: 14.5px; color: #A9BED6; line-height: 1.55; }
.qa .arr { position: absolute; right: 22px; top: 26px; color: #5C7A9E; transition: transform .2s, color .2s; }
.qa:hover .arr { color: #8EC2F4; transform: translate(3px,-3px); }
.qa .arr svg { width: 22px; height: 22px; }
@media (max-width: 980px) { .protect__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 520px) { .protect__grid { grid-template-columns: 1fr; } }

/* ---------- Carriers carousel ---------- */
.carriers__viewport { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.carriers__track { display: flex; gap: 20px; width: max-content; animation: marquee 38s linear infinite; }
.carriers__viewport:hover .carriers__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }
.carrier {
  flex: none; width: 220px; height: 110px; border-radius: var(--radius-sm);
  background: #fff; border: 1px solid var(--line); display: grid; place-items: center;
  color: var(--navy-600); transition: border-color .2s, box-shadow .2s;
}
.carrier:hover { border-color: var(--blue-100); box-shadow: var(--shadow-sm); }
.carrier b { font-family: var(--display); font-weight: 800; font-size: 19px; letter-spacing: -.01em; color: var(--navy); opacity: .82; }
.carrier img { width: auto; max-width: 150px; max-height: 56px; object-fit: contain; transition: transform .2s ease; }
.carrier:hover img { transform: scale(1.04); }

/* ---------- Testimonials ---------- */
.tst__grid { grid-template-columns: 1fr 1fr; }
.tst {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 36px 34px; position: relative;
  display: flex; flex-direction: column; height: 100%;
}
.tst__quote { position: absolute; top: 26px; right: 30px; font-family: var(--display); font-size: 86px; line-height: 1; color: var(--blue-100); }
.tst__stars { display: flex; gap: 3px; margin-bottom: 18px; color: #F5A623; }
.tst__stars svg { width: 20px; height: 20px; }
.tst p { font-size: 17px; color: var(--heading); line-height: 1.65; }
.tst__author { display: flex; align-items: center; gap: 14px; margin-top: auto; padding-top: 22px; border-top: 1px solid var(--line); }
.tst__avatar { width: 50px; height: 50px; border-radius: 50%; background: var(--blue-050); color: var(--blue); display: grid; place-items: center; font-family: var(--display); font-weight: 800; border: 1px solid var(--blue-100); }
.tst__author b { color: var(--heading); font-family: var(--display); display: block; }
.tst__author span { font-size: 14px; color: var(--muted); }
@media (max-width: 820px) { .tst__grid { grid-template-columns: 1fr; } }

/* Testimonials carousel (2 per view on desktop, 1 on mobile) */
.tst-carousel { position: relative; max-width: 1080px; margin: 0 auto; }
.tst-viewport { overflow: hidden; padding: 6px 0; }
.tst-track { display: flex; transition: transform .55s cubic-bezier(.4, 0, .2, 1); will-change: transform; }
.tst-slide { flex: 0 0 50%; max-width: 50%; box-sizing: border-box; padding: 0 13px; }
.tst-slide .tst { height: 100%; }
@media (max-width: 819px) { .tst-slide { flex: 0 0 100%; max-width: 100%; padding: 0; } }
.tst-nav { position: absolute; top: 44%; transform: translateY(-50%); width: 48px; height: 48px; border-radius: 50%; background: #fff; border: 1px solid var(--line-2); color: var(--heading); display: grid; place-items: center; cursor: pointer; box-shadow: var(--shadow-sm); transition: background .2s ease, color .2s ease, border-color .2s ease, transform .15s ease; z-index: 2; }
.tst-nav:hover { background: var(--blue); color: #fff; border-color: var(--blue); }
.tst-nav:active { transform: translateY(-50%) scale(.92); }
.tst-nav svg { width: 22px; height: 22px; }
.tst-nav--prev { left: -22px; }
.tst-nav--next { right: -22px; }
.tst-dots { display: flex; gap: 9px; justify-content: center; margin-top: 30px; }
.tst-dots button { width: 9px; height: 9px; border-radius: 999px; border: 0; background: var(--line-2); cursor: pointer; padding: 0; transition: background .25s ease, width .25s ease; }
.tst-dots button.active { background: var(--blue); width: 26px; }
@media (max-width: 920px) { .tst-nav--prev { left: 6px; } .tst-nav--next { right: 6px; } }

/* Testimonials page — masonry wall + rating */
.tst-rating { display: flex; flex-direction: column; align-items: center; gap: 10px; margin-bottom: clamp(40px, 5vw, 60px); }
.tst-rating__stars { display: flex; gap: 5px; color: #F5A623; }
.tst-rating__stars svg { width: 26px; height: 26px; }
.tst-rating__score { font-family: var(--display); font-weight: 800; color: var(--heading); font-size: 19px; }
.tst-rating__score span { color: var(--muted); font-weight: 600; font-size: 15px; }
.tst-wall { column-count: 3; column-gap: 24px; }
.tst-wall .tst { break-inside: avoid; width: 100%; margin: 0 0 24px; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.tst-wall .tst:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--blue-100); }
@media (max-width: 980px) { .tst-wall { column-count: 2; } }
@media (max-width: 620px) { .tst-wall { column-count: 1; } }

/* ---------- Advantages ---------- */
.adv__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(36px,5vw,72px); align-items: start; }
.adv__list { display: grid; gap: 14px; }
.adv__item {
  display: flex; gap: 20px; padding: 24px 26px; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .25s, box-shadow .25s, transform .25s;
}
.adv__item:hover { border-color: var(--blue-100); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.adv__num { font-family: var(--display); font-weight: 800; font-size: 22px; color: var(--blue); width: 44px; height: 44px; border-radius: 12px; background: var(--blue-050); display: grid; place-items: center; flex: none; border: 1px solid var(--blue-100); }
.adv__item h3 { font-size: 19px; margin-bottom: 7px; }
.adv__item p { font-size: 15px; }
.adv__media { position: sticky; top: 110px; }
.adv__media .ph { aspect-ratio: 4/5; }
@media (max-width: 900px) { .adv__grid { grid-template-columns: 1fr; } .adv__media { display: none; } }

/* ---------- FAQ ---------- */
.faq__grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: clamp(36px,5vw,72px); align-items: start; }
.faq__aside {
  background: var(--navy); color: #C6D4E4; border-radius: var(--radius-lg); padding: 40px 36px;
  position: sticky; top: 110px;
}
.faq__aside .eyebrow { color: #6FB0F0; } .faq__aside .eyebrow::before { background: #6FB0F0; }
.faq__aside h3 { color: #fff; font-size: 28px; margin: 16px 0 14px; }
.faq__aside p { font-size: 15.5px; margin-bottom: 26px; }
.faq__call { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.faq__call .ico { width: auto; height: auto; border-radius: 0; background: none; color: #8EC2F4; display: grid; place-items: center; }
.faq__call .ico svg { width: 24px; height: 24px; }
.faq__call b { color: #fff; font-family: var(--display); font-size: 22px; display: block; }
.faq__call span { font-size: 13px; }
.faq__list { display: grid; gap: 14px; }
.acc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; transition: border-color .2s, box-shadow .2s; }
.acc.open { border-color: var(--blue-100); box-shadow: var(--shadow-sm); }
.acc__q {
  width: 100%; text-align: left; background: none; border: none; padding: 24px 26px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  font-family: var(--display); font-weight: 700; font-size: 17.5px; color: var(--heading);
}
.acc__q .pm { width: 32px; height: 32px; border-radius: 50%; background: var(--blue-050); color: var(--blue); display: grid; place-items: center; flex: none; transition: transform .3s, background .2s, color .2s; }
.acc.open .acc__q .pm { background: var(--blue); color: #fff; transform: rotate(180deg); }
.acc__q .pm svg { width: 18px; height: 18px; }
.acc__a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.acc__a-inner { padding: 0 26px 26px; font-size: 15.5px; color: var(--text); }
.acc__list { margin: 12px 0 0; padding-left: 4px; list-style: none; display: grid; gap: 8px; }
.acc__list li { position: relative; padding-left: 20px; line-height: 1.5; }
.acc__list li::before { content: ""; position: absolute; left: 2px; top: 8px; width: 7px; height: 7px; border-radius: 50%; background: var(--blue); }
@media (max-width: 880px) { .faq__grid { grid-template-columns: 1fr; } .faq__aside { position: static; } }

/* ---------- Location ---------- */
.loc { position: relative; overflow: hidden; }
.loc__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px,5vw,72px); align-items: center; }
.loc__map { aspect-ratio: 16/11; border-radius: var(--radius-lg); }
iframe.loc__map { width: 100%; border: 1px solid var(--line-2); box-shadow: var(--shadow-sm); }
.loc h2 { margin-bottom: 18px; }
@media (max-width: 880px) {
    .loc__grid {
        grid-template-columns: 1fr;
    }

}
/* ---------- Contact ---------- */
.contact { background: var(--navy); color: #C6D4E4; position: relative; overflow: hidden; }
.contact::before { content: ""; position: absolute; right: -160px; top: -120px; width: 520px; height: 520px; background: radial-gradient(circle, rgba(26,111,196,.28), transparent 60%); border-radius: 50%; }
.contact__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(36px,5vw,72px); align-items: start; position: relative; }
.contact h2 { color: #fff; }
.contact__intro p { margin: 18px 0 30px; font-size: 16px; }
.contact__points { display: grid; gap: 18px; }
.contact__point { display: flex; gap: 16px; align-items: flex-start; }
.contact__point .ico { width: 48px; height: 48px; border-radius: 13px; background: rgba(111,176,240,.14); color: #8EC2F4; display: grid; place-items: center; flex: none; }
.contact__point b { color: #fff; font-family: var(--display); display: block; margin-bottom: 2px; }
.contact__point span { font-size: 14.5px; }
/* Location section: borderless, half-size icons */
.loc .contact__point .ico { width: auto; height: auto; border-radius: 0; }
.loc .contact__point .ico svg { width: 24px; height: 24px; }
/* Contact section: borderless, half-size icons */
.contact .contact__point .ico { width: auto; height: auto; border-radius: 0; background: none; }
.contact .contact__point .ico svg { width: 24px; height: 24px; }

.form {
  background: #fff; border-radius: var(--radius-lg); padding: clamp(28px, 4vw, 44px);
  box-shadow: var(--shadow-lg); color: var(--text);
}
.form h3 { color: var(--heading); font-size: 24px; margin-bottom: 6px; }
.form > p.sub { font-size: 15px; margin-bottom: 26px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-family: var(--display); font-weight: 600; font-size: 14px; color: var(--heading); margin-bottom: 8px; }
.field label .req { color: var(--blue); }
.field input, .field select, .field textarea {
  width: 100%; font-family: inherit; font-size: 15.5px; color: var(--heading);
  padding: 14px 16px; border: 1.5px solid var(--line-2); border-radius: 12px; background: var(--paper);
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.field textarea { resize: vertical; min-height: 110px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); background: #fff; box-shadow: var(--ring); }
.field input.err, .field select.err, .field textarea.err { border-color: #E0464B; background: #FDF2F2; }
.field .msg { font-size: 12.5px; color: #D8434A; margin-top: 6px; min-height: 14px; display: none; }
.field.invalid .msg { display: block; }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 18px; }
@media (max-width: 560px) { .row-2, .row-3 { grid-template-columns: 1fr; } }

.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  position: relative; cursor: pointer;
}
.chip input { position: absolute; opacity: 0; }
.chip span {
  display: inline-flex; padding: 10px 18px; border-radius: 999px; border: 1.5px solid var(--line-2);
  font-weight: 600; font-size: 14px; color: var(--heading); background: #fff; transition: all .18s;
}
.chip input:checked + span { background: var(--blue); border-color: var(--blue); color: #fff; }
.chip:hover span { border-color: var(--blue); }

.optin { display: grid; gap: 10px; margin: 8px 0 18px; }
.optin label { display: flex; gap: 11px; align-items: flex-start; font-size: 14px; color: var(--text); cursor: pointer; font-family: var(--text-font); font-weight: 500; }
.optin input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--blue); flex: none; }
.disclaimer { font-size: 11.5px; color: var(--muted); line-height: 1.55; margin-top: 18px; }
.form__submit { width: 100%; justify-content: center; margin-top: 6px; }
.form__success { display: none; text-align: center; padding: 30px 10px; }
.form__success.show { display: block; animation: fade .4s ease; }
.form__success .tick { width: 70px; height: 70px; border-radius: 50%; background: var(--blue-050); color: var(--blue); display: grid; place-items: center; margin: 0 auto 18px; border: 1px solid var(--blue-100); }
.form__success .tick svg { width: 36px; height: 36px; }
.form__success h3 { font-size: 24px; margin-bottom: 8px; }

/* Refer a Friend form */
.refer-form { max-width: 760px; margin-inline: auto; }
.refer-form .field label { text-align: center; }
.refer-form__group { text-align: center; font-family: var(--display); font-weight: 800; color: var(--heading); font-size: clamp(20px, 2vw, 24px); margin: 34px 0 20px; padding-top: 26px; border-top: 1px solid var(--line); }
.refer-form__group--first { margin-top: 0; padding-top: 0; border-top: 0; }
.field__sub { text-align: center; font-size: 12.5px; font-weight: 600; color: var(--blue); margin-top: 7px; }
.human-verify { text-align: center; margin: 8px 0 6px; }
.human-verify > span { display: block; font-family: var(--display); font-weight: 600; font-size: 14px; color: var(--heading); margin-bottom: 12px; }
.human-verify__opts { display: flex; gap: 28px; justify-content: center; }
.human-verify__opts label { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; color: var(--text); cursor: pointer; }
.human-verify__opts input { width: 17px; height: 17px; accent-color: var(--blue); }

/* Refer a Friend — premium split card */
.refer2 { display: grid; grid-template-columns: .82fr 1.18fr; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.refer2__aside { position: relative; overflow: hidden; color: #C6D4E4; padding: clamp(34px, 4vw, 54px); display: flex; flex-direction: column; background: linear-gradient(165deg, var(--navy-900), var(--navy) 60%, var(--navy-700)); }
.refer2__aside::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(440px 320px at 112% -12%, rgba(26,111,196,.5), transparent 60%); }
.refer2__aside > * { position: relative; z-index: 1; }
.refer2__aside .eyebrow { color: #6FB0F0; margin-bottom: 18px; }
.refer2__aside .eyebrow::before { background: #6FB0F0; }
.refer2__aside h2 { color: #fff; font-size: clamp(24px, 2.4vw, 33px); line-height: 1.12; margin-bottom: 18px; }
.refer2__aside p { color: #C6D4E4; font-size: 15.5px; line-height: 1.7; }
.refer2__points { display: flex; flex-direction: column; gap: 14px; margin: 28px 0; }
.refer2__points li { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; color: #DCE7F4; font-weight: 600; }
.refer2__points .ck { width: 28px; height: 28px; border-radius: 8px; background: rgba(111,176,240,.16); border: 1px solid rgba(111,176,240,.3); color: #8EC2F4; display: grid; place-items: center; flex: none; margin-top: 1px; }
.refer2__points .ck svg { width: 16px; height: 16px; }
.refer2__note { margin-top: auto; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.14); font-size: 14px; color: #AFC4DC; font-style: italic; }

.refer2__form { padding: clamp(28px, 3.5vw, 48px); }
.refer2__form .field label { text-align: left; }
.refer2 .field__sub { text-align: left; color: var(--muted); font-weight: 600; }
.refer2__step { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.refer2__step:not(:first-of-type) { margin-top: 32px; padding-top: 30px; border-top: 1px solid var(--line); }
.refer2__step-ico { width: 46px; height: 46px; border-radius: 13px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; flex: none; }
.refer2__step-ico svg { width: 23px; height: 23px; }
.refer2__step b { display: block; font-family: var(--display); font-weight: 800; color: var(--heading); font-size: 18px; }
.refer2__step span { font-size: 13px; color: var(--muted); }

/* segmented human-verify toggle */
.seg-field { margin: 26px 0 6px; }
.seg-field > .lbl { display: block; font-family: var(--display); font-weight: 600; font-size: 14px; color: var(--heading); margin-bottom: 10px; }
.seg { display: inline-flex; gap: 4px; border: 1.5px solid var(--line-2); border-radius: 999px; padding: 4px; background: var(--paper); }
.seg label { position: relative; cursor: pointer; }
.seg input { position: absolute; opacity: 0; inset: 0; }
.seg span { display: inline-flex; align-items: center; gap: 7px; padding: 9px 22px; border-radius: 999px; font-family: var(--display); font-weight: 700; font-size: 14px; color: var(--heading); transition: background .18s, color .18s, box-shadow .18s; }
.seg input:checked + span { background: var(--blue); color: #fff; box-shadow: 0 10px 20px -10px rgba(26,111,196,.7); }
.seg label:hover span { color: var(--blue); }
.seg input:checked + span { color: #fff; }

/* opt-in box */
.optin-box { display: flex; gap: 12px; align-items: flex-start; background: var(--paper); border: 1px solid var(--line); border-radius: 12px; padding: 15px 17px; margin: 22px 0; font-size: 13.5px; color: var(--text); line-height: 1.55; cursor: pointer; transition: border-color .2s; }
.optin-box:hover { border-color: var(--blue-100); }
.optin-box input { margin-top: 2px; width: 18px; height: 18px; accent-color: var(--blue); flex: none; }

@media (max-width: 900px) { .refer2 { grid-template-columns: 1fr; } }

/* Partners page cards */
.partner-grid { grid-template-columns: repeat(2, 1fr); gap: 30px; }
@media (max-width: 820px) { .partner-grid { grid-template-columns: 1fr; max-width: 560px; margin-inline: auto; } }
.partner-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; display: flex; flex-direction: column; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.partner-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.partner-card__media { position: relative; aspect-ratio: 16/8; overflow: hidden; background: var(--paper-2); }
.partner-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s cubic-bezier(.2,.7,.2,1); }
.partner-card:hover .partner-card__media img { transform: scale(1.05); }
.partner-card__tag { position: absolute; top: 16px; left: 16px; z-index: 1; font-family: var(--text-font); font-weight: 700; font-size: 11px; letter-spacing: .12em; text-transform: uppercase; color: #fff; background: rgba(26,111,196,.95); border: 1px solid rgba(255,255,255,.25); padding: 6px 13px; border-radius: 999px; }
.partner-card__body { padding: clamp(24px, 3vw, 36px); display: flex; flex-direction: column; flex: 1; }
.partner-card__body h3 { font-size: clamp(20px, 2vw, 24px); margin-bottom: 8px; }
.partner-card__site { display: inline-flex; align-items: center; gap: 7px; color: var(--blue); font-weight: 600; font-size: 14.5px; word-break: break-word; }
.partner-card__site svg { width: 16px; height: 16px; flex: none; }
.partner-meta { display: flex; flex-direction: column; gap: 12px; margin: 20px 0; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.partner-meta a, .partner-meta span { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; color: var(--text); transition: color .2s ease; }
.partner-meta a:hover { color: var(--blue); }
.partner-meta .mi { width: 34px; height: 34px; border-radius: 9px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; flex: none; }
.partner-meta .mi svg { width: 17px; height: 17px; }
.partner-card__desc { font-size: 14.5px; line-height: 1.7; color: var(--text); }
.partner-card__desc p + p { margin-top: 12px; }
.partner-card__cta { margin-top: auto; padding-top: 24px; }

/* Insurance carriers logo grid */
.carriers-grid { grid-template-columns: repeat(4, 1fr); gap: 22px; }
.carrier-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); aspect-ratio: 16/9; display: grid; place-items: center; padding: 20px 26px; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.carrier-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.carrier-card img { max-width: 100%; max-height: 58px; width: auto; object-fit: contain; transition: transform .3s ease; }
.carrier-card:hover img { transform: scale(1.04); }
@media (max-width: 900px) { .carriers-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 560px) { .carriers-grid { grid-template-columns: repeat(2, 1fr); } }

/* Contact page — info cards */
.contact-cards { grid-template-columns: repeat(3, 1fr); gap: 10px; }
.contact-card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px 28px 30px; overflow: hidden; transition: transform .28s ease, box-shadow .32s ease, border-color .25s ease; }
.contact-card::before { content: ""; position: absolute; left: 0; top: 0; height: 4px; width: 0; background: var(--blue); transition: width .4s cubic-bezier(.2,.7,.2,1); }
.contact-card::after { content: ""; position: absolute; right: -40px; top: -40px; width: 120px; height: 120px; border-radius: 50%; background: radial-gradient(circle, var(--blue-050), transparent 70%); opacity: 0; transition: opacity .35s ease; pointer-events: none; }
.contact-card:hover { transform: translateY(-7px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.contact-card:hover::before { width: 100%; }
.contact-card:hover::after { opacity: 1; }
.contact-card .ic { position: relative; width: 60px; height: 60px; border-radius: 17px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; margin-bottom: 22px; transition: background-color .28s ease, color .28s ease, border-color .28s ease, transform .28s ease, box-shadow .3s ease; }
.contact-card:hover .ic { background: var(--blue); color: #fff; border-color: var(--blue); transform: translateY(-3px) scale(1.04); box-shadow: 0 14px 24px -10px rgba(26,111,196,.7); }
.contact-card .ic svg { width: 28px; height: 28px; }
.contact-card h3 { position: relative; font-size: 18px; margin-bottom: 13px; }
.contact-card a, .contact-card p { position: relative; display: block; color: var(--text); font-size: 14.5px; line-height: 1.7; }
    .contact-card a {
        font-weight: 600;
        width: fit-content;
        transition: color .2s ease;
        word-break: break-all;
    }
.contact-card a:hover { color: var(--blue); }
@media (max-width: 900px) { .contact-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .contact-cards { grid-template-columns: 1fr; } }

.contact-layout { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px, 4vw, 44px); align-items: start; }
.contact-map { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-sm); position: sticky; top: 100px; }
.contact-map iframe { width: 100%; height: 100%; min-height: 540px; border: 0; display: block; }
@media (max-width: 900px) { .contact-layout { grid-template-columns: 1fr; } .contact-map { position: static; } .contact-map iframe { min-height: 360px; } }

/* Insurance quote-request cards */
.quote-cards { grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quote-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.quote-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.quote-card__img { aspect-ratio: 16/10; overflow: hidden; background: var(--paper-2); }
.quote-card__img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s cubic-bezier(.2,.7,.2,1); }
.quote-card:hover .quote-card__img img { transform: scale(1.06); }
.quote-card__body { padding: 18px 20px 22px; display: flex; flex-direction: column; gap: 15px; flex: 1; }
.quote-card__body h3 { font-size: 16.5px; line-height: 1.3; }
.quote-card__body .btn { margin-top: auto; align-self: flex-start; padding: 11px 22px; font-size: 14.5px; }
@media (max-width: 980px) { .quote-cards { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 680px) { .quote-cards { grid-template-columns: repeat(1, 1fr); } }
@media (max-width: 430px) { .quote-cards { grid-template-columns: 1fr; } }

/* CAPTCHA widget */
.captcha__box { display: flex; gap: 12px; align-items: stretch; margin-top: 10px; }
.captcha__canvas { flex: 1 1 auto; min-width: 0; height: 64px; border-radius: 12px; border: 1px solid var(--line-2); display: block; background: #2b2b2e; }
.captcha__refresh { flex: 0 0 56px; border: 0; border-radius: 12px; background: var(--blue); color: #fff; display: grid; place-items: center; cursor: pointer; transition: background .2s ease, transform .12s ease, box-shadow .25s ease; box-shadow: 0 10px 20px -12px rgba(26,111,196,.8); }
.captcha__refresh:hover { background: var(--blue-600); }
.captcha__refresh:active { transform: scale(.93); }
.captcha__refresh svg { width: 22px; height: 22px; }
.captcha .captcha__input { margin-bottom: 0; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: #93A8C2; padding-top: clamp(56px, 7vw, 86px); }
.footer__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: clamp(28px,4vw,48px); padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer__brand img { height: 70px; margin-bottom: 22px; }
.footer__brand p { font-size: 14.5px; line-height: 1.7; max-width: 34ch; margin-bottom: 22px; }
.footer__contact { display: grid; gap: 12px; }
.footer__contact a, .footer__contact span { display: flex; gap: 11px; align-items: flex-start; font-size: 14.5px; }
.footer__contact svg { width: 17px; height: 17px; color: #6FB0F0; flex: none; margin-top: 3px; }
.footer__contact a:hover { color: #fff; }
.footer__col h4 { color: #fff; font-size: 16px; margin-bottom: 18px; font-family: var(--display); }
.footer__col li { margin-bottom: 11px; }
.footer__col a { font-size: 14.5px; transition: color .2s, padding .2s; }
.footer__col a:hover { color: #fff; padding-left: 4px; }
.footer__col .seeall { color: #6FB0F0; font-weight: 700; font-family: var(--display); }
.footer__bottom { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 26px 0; flex-wrap: wrap; font-size: 13.5px; }
.footer__bottom .links { display: flex; gap: 22px; }
.footer__bottom a:hover { color: #fff; }
@media (max-width: 900px) { .footer__top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer__top { grid-template-columns: 1fr; } }

/* ============ ABOUT PAGE ============ */
.metrics { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 48px; }
.metric { display: flex; align-items: center; gap: 16px; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 20px 22px; box-shadow: var(--shadow-sm); }
.metric .mic { width: 50px; height: 50px; border-radius: 13px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; flex: none; }
.metric .mic svg { width: 25px; height: 25px; }
.metric b { font-family: var(--display); color: var(--heading); font-size: 18px; line-height: 1.18; display: block; }
.metric span { font-size: 13px; color: var(--muted); }
@media (max-width: 980px) { .metrics { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .metrics { grid-template-columns: 1fr; } }

.approach__list { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.approach__item { display: flex; gap: 15px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 19px 22px; font-family: var(--display); font-weight: 700; color: var(--heading); font-size: 16.5px; transition: border-color .2s, box-shadow .25s, transform .2s; }
.approach__item:hover { border-color: var(--blue-100); box-shadow: var(--shadow-sm); transform: translateY(-3px); }
.approach__item .ck { width: 36px; height: 36px; border-radius: 10px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; flex: none; }
.approach__item .ck svg { width: 19px; height: 19px; }
@media (max-width: 640px) { .approach__list { grid-template-columns: 1fr; } }

.mission .ring { width: 76px; height: 76px; border-radius: 20px; background: rgba(111,176,240,.14); border: 1px solid rgba(111,176,240,.28); color: #8EC2F4; display: grid; place-items: center; margin: 0 auto 28px; }
.mission .ring svg { width: 38px; height: 38px; }
.mission p { font-size: clamp(13px, 1.1vw, 16px); line-height: 1.7; color: #C6D4E4; max-width: 62ch; margin-inline: auto; }
.mission p + p { margin-top: 20px; }

.cta-band { background: var(--blue); color: #fff; border-radius: var(--radius-lg); padding: clamp(40px, 6vw, 72px); text-align: center; position: relative; overflow: hidden; box-shadow: var(--shadow); }
.cta-band::before { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; background: radial-gradient(circle, rgba(255,255,255,.16), transparent 62%); border-radius: 50%; }
.cta-band h2 { color: #fff; font-size: clamp(28px, 3.4vw, 44px); position: relative; }
.cta-band p { color: rgba(255,255,255,.9); font-size: 18px; margin: 16px auto 30px; max-width: 56ch; position: relative; }
.cta-band .actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; position: relative; }

/* ============ INNER PAGE HERO ============ */
.page-hero { position: relative; overflow: hidden; color: #C6D4E4; padding-block: clamp(18px, 2.4vw, 30px) clamp(74px, 9vw, 116px); background: linear-gradient(165deg, var(--navy-900) 0%, var(--navy) 55%, var(--navy-700) 100%); }
.page-hero__bg { position: absolute; inset: 0; pointer-events: none; background: radial-gradient(700px 440px at 88% -12%, rgba(26,111,196,.40), transparent 60%), radial-gradient(540px 380px at 6% 116%, rgba(111,176,240,.16), transparent 62%); }
.page-hero__bg::after { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px); background-size: 46px 46px; -webkit-mask-image: radial-gradient(circle at 78% 28%, #000, transparent 68%); mask-image: radial-gradient(circle at 78% 28%, #000, transparent 68%); }
.page-hero .wrap { position: relative; z-index: 1; }

.crumb { display: inline-flex; align-items: center; gap: 9px; font-size: 13.5px; font-weight: 600; color: #8CA6C4; margin-bottom: clamp(22px, 2.8vw, 32px); }
.crumb a { color: #B9CCE4; transition: color .2s ease; }
.crumb a:hover { color: #fff; }
.crumb svg { width: 15px; height: 15px; opacity: .55; }
.crumb span { color: #fff; }

.page-hero__grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: clamp(38px, 5vw, 78px); align-items: center; }
.page-hero .eyebrow { color: #6FB0F0; margin-bottom: 20px; }
.page-hero .eyebrow::before { background: #6FB0F0; }
.page-hero h1 { color: #fff; font-size: clamp(30px, 4vw, 51px); }
.page-hero h1 .accent { color: #6FB0F0; }
.page-hero__lede { color: #C6D4E4; font-size: clamp(17px, 1.3vw, 19.5px); line-height: 1.7; max-width: 54ch; margin-top: 22px; }
.page-hero .hero__actions { margin-top: 34px; }
.page-hero .btn--ghost { color: #fff; border-color: rgba(255,255,255,.30); }
.page-hero .btn--ghost:hover { color: #fff; border-color: #fff; background: rgba(255,255,255,.08); }

.page-hero__media { position: relative; }
.page-hero__media .ph { aspect-ratio: 4/3.4; border-radius: var(--radius-lg); border-color: rgba(255,255,255,.14); box-shadow: var(--shadow-lg); }
.page-hero__badge { position: absolute; left: -22px; bottom: -22px; background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lg); padding: 15px 20px; display: flex; align-items: center; gap: 13px; }
.page-hero__badge .ring { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-050); color: var(--blue); border: 1px solid var(--blue-100); }
.page-hero__badge .ring svg { width: 23px; height: 23px; }
.page-hero__badge b { font-family: var(--display); color: var(--heading); font-size: 16px; display: block; }
.page-hero__badge span { font-size: 12.5px; color: var(--muted); }

/* trust metrics float up over the navy → white boundary */
.metrics--float { position: relative; z-index: 2; margin-top: clamp(-66px, -6vw, -50px); margin-bottom: 6px; }

/* 3-up service/coverage card grid (inner pages) */
.svc-cards { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 980px) { .svc-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .svc-cards { grid-template-columns: 1fr; } }

/* Premium coverage card: photo header + floating icon + body */
.cov-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; scroll-margin-top: 100px; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.cov-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.cov-card__media { position: relative; }
.cov-card__img { position: relative; aspect-ratio: 16/10; overflow: hidden; background: var(--navy-700); border-radius: var(--radius) var(--radius) 0 0; }
.cov-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s cubic-bezier(.2,.7,.2,1); }
.cov-card:hover .cov-card__media img { transform: scale(1.06); }
.cov-card__img::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(10,25,45,0) 38%, rgba(10,25,45,.5) 100%); }
.cov-card__icon { position: absolute; left: 22px; bottom: -27px; z-index: 2; width: 56px; height: 56px; border-radius: 16px; background: #fff; border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; box-shadow: var(--shadow-sm); transition: transform .28s cubic-bezier(.2,.7,.2,1), background-color .28s ease, color .28s ease, border-color .28s ease, box-shadow .28s ease; }
.cov-card__icon svg { width: 27px; height: 27px; transition: transform .28s ease; }
.cov-card:hover .cov-card__icon { background: var(--blue); color: #fff; border-color: var(--blue); transform: translateY(-4px) scale(1.06); box-shadow: 0 14px 26px -10px rgba(26,111,196,.7); }
.cov-card:hover .cov-card__icon svg { transform: scale(1.08); }
.cov-card__body { padding: 42px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.cov-card__body h3 { font-size: 20px; margin-bottom: 11px; }
.cov-card__body p { font-size: 14.5px; line-height: 1.62; color: var(--text); }
.cov-card__more { margin-top: auto; padding-top: 20px; }

/* centered prose column for inner-page intros */
.prose { max-width: 768px; margin-inline: auto; display: flex; flex-direction: column; gap: 20px; }
.prose.center { text-align: center; }
.prose p { font-size: clamp(16px, 1.2vw, 18px); line-height: 1.75; }
.section--navy .prose p { color: #C6D4E4; }
.section--navy .lede { color: #C6D4E4; }

/* inner-page intro: framed image box + copy */
.intro__grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(40px, 5vw, 78px); align-items: center; }
.intro__media { position: relative; }
.intro__media .ph { position: relative; z-index: 1; aspect-ratio: 4/4.5; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.intro__media::after { content: ""; position: absolute; right: -18px; bottom: -18px; width: 64%; height: 64%; border-radius: var(--radius-lg); background: var(--blue-050); border: 1px solid var(--blue-100); }
.intro__badge { position: absolute; z-index: 2; left: -22px; bottom: 30px; background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lg); padding: 15px 20px; display: flex; align-items: center; gap: 14px; }
.intro__badge .ring { width: 48px; height: 48px; border-radius: 13px; background: var(--blue-050); color: var(--blue); border: 1px solid var(--blue-100); display: grid; place-items: center; flex: none; }
.intro__badge .ring svg { width: 24px; height: 24px; }
.intro__badge b { font-family: var(--display); color: var(--heading); font-size: 22px; line-height: 1; display: block; }
.intro__badge span { font-size: 12.5px; color: var(--muted); }
.intro__copy .eyebrow { margin-bottom: 18px; }
.intro__copy h2 { margin-bottom: 22px; }
.intro__copy p + p { margin-top: 16px; }
.intro__copy .btn { margin-top: 30px; }

@media (max-width: 768px) {
    .banner-content .banner-data {
        top: 20%;
        transform: unset;
    }
  }

@media (max-width: 920px) {
  .intro__grid { grid-template-columns: 1fr; }
  .intro__media { max-width: 520px; }
  .intro__media::after { right: -12px; bottom: -12px; }
}

/* Meet the team — centered contact cards */
.team-grid { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 860px) { .team-grid { grid-template-columns: 1fr; max-width: 460px; margin-inline: auto; } }
.team-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 38px 28px; text-align: center; position: relative; overflow: hidden; transition: transform .25s ease, box-shadow .3s ease, border-color .25s ease; }
.team-card::before { content: ""; position: absolute; left: 0; top: 0; right: 0; height: 4px; background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform .35s ease; }
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.team-card:hover::before { transform: scaleX(1); }
.team-card__avatar { width: 70px; height: 70px; border-radius: 50%; margin: 0 auto 18px; background: var(--blue-050); border: 1px solid var(--blue-100); color: var(--blue); display: grid; place-items: center; font-family: var(--display); font-weight: 800; font-size: 22px; letter-spacing: .02em; }
.team-card__name { font-family: var(--display); font-weight: 800; font-size: 18px; letter-spacing: .02em; text-transform: uppercase; color: var(--heading); }
.team-card__role { display: block; min-height: 16px; color: var(--blue); font-family: var(--text-font); font-weight: 700; font-size: 12.5px; letter-spacing: .07em; text-transform: uppercase; margin: 11px 0 20px; }
.team-card__contact { display: flex; flex-direction: column; align-items: center; gap: 12px; padding-top: 20px; border-top: 1px solid var(--line); }
.team-card__contact a { display: inline-flex; align-items: center; gap: 9px; color: var(--text); font-weight: 600; font-size: 15px; transition: color .2s ease; }
.team-card__contact a:hover { color: var(--blue); }
.team-card__contact svg { width: 17px; height: 17px; color: var(--blue); flex: none; }

@media (max-width: 940px) {
  .page-hero__grid { grid-template-columns: 1fr; }
  .page-hero__media { order: -1; max-width: 540px; }
}