/* ==========================================================================
   Armored Insurance — Production Landing Page Stylesheet
   Palette:
     Navy-charcoal : #141B26
     Gunmetal      : #4A5462
     Steel         : #A9B1BC
     Gold          : #BC9C72 (sampled from armored-insurance.png concentric circles; #BD9C72 in master.css)
     Shield Gray   : #A5A6A5 (sampled from armored-insurance.png shield)
     Off-white     : #F4F2ED
   ========================================================================== */

:root {
  --navy: #141B26;
  --navy-deep: #0E131B;
  --navy-card: #1B2432;
  --gunmetal: #4A5462;
  --steel: #A9B1BC;
  --gold: #BC9C72;
  --gold-light: #D6B181;
  --gold-dark: #9F825D;
  --color-gold: #BC9C72;
  --color-gold-hover: #D6B181;
  --color-gold-active: #9F825D;
  --color-gold-subtle: rgba(188, 156, 114, 0.14);
  --shield-gray: #A5A6A5;
  --off-white: #F4F2ED;
  --surface-white: #FFFFFF;
  --surface-warm: #EAE6DD;

  --font-display: 'Fraunces', 'Playfair Display', Georgia, serif;
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --max-w: 1240px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --shadow-sm: 0 2px 8px rgba(20, 27, 38, 0.06);
  --shadow-md: 0 10px 30px rgba(20, 27, 38, 0.09);
  --shadow-lg: 0 20px 48px rgba(20, 27, 38, 0.16);

  /* Carrier marquee settings */
  --tile-w: 200px;
  --tile-h: 96px;
  --gap: 24px;
  --logo-h: 48px;
  --speed: 105s;
}

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 88px;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  background-color: var(--off-white);
  color: var(--navy);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color 0.2s ease, background-color 0.2s ease, border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* ==========================================================================
   Buttons & Links
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  padding: 14px 26px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  border: 1.5px solid transparent;
  text-align: center;
  line-height: 1.2;
}

.btn--gold {
  background-color: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  box-shadow: 0 4px 16px rgba(188, 156, 114, 0.25);
}

.btn--gold:hover,
.btn--gold:focus-visible {
  background-color: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 22px rgba(188, 156, 114, 0.35);
}

.btn--gold:active {
  background-color: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(0);
  box-shadow: 0 2px 10px rgba(188, 156, 114, 0.25);
}

.btn--outline-light {
  background-color: rgba(244, 242, 237, 0.04);
  color: var(--off-white);
  border-color: rgba(169, 177, 188, 0.45);
}

.btn--outline-light:hover,
.btn--outline-light:focus-visible {
  border-color: var(--gold);
  color: var(--gold);
  background-color: rgba(188, 156, 114, 0.08);
  transform: translateY(-1px);
}

.btn--navy {
  background-color: var(--navy);
  color: var(--off-white);
  border-color: var(--navy);
}

.btn--navy:hover,
.btn--navy:focus-visible {
  background-color: var(--gunmetal);
  border-color: var(--gunmetal);
  transform: translateY(-1px);
}

.btn--outline-navy {
  background-color: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn--outline-navy:hover,
.btn--outline-navy:focus-visible {
  background-color: var(--navy);
  color: var(--off-white);
  transform: translateY(-1px);
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  color: var(--gold);
  font-size: 15px;
  letter-spacing: 0.02em;
  border-bottom: 1.5px solid rgba(188, 156, 114, 0.45);
  padding-bottom: 3px;
}

.text-link:hover {
  color: var(--gold-light);
  border-bottom-color: var(--gold-light);
}

.text-link--dark {
  color: var(--navy);
  border-bottom-color: var(--gold);
}

.text-link--dark:hover {
  color: var(--gold-dark);
  border-bottom-color: var(--gold-dark);
}

/* ==========================================================================
   Sticky Header
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(20, 27, 38, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(188, 156, 114, 0.28);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--off-white);
  flex-shrink: 0;
}

.brand__crest {
  width: 104px;
  height: 56px;
  object-fit: contain;
  flex-shrink: 0;
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.35));
}

.brand__text {
  display: flex;
  flex-direction: column;
}

.brand__name {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  letter-spacing: 0.03em;
  color: var(--off-white);
  line-height: 1.15;
}

.brand__meta {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  font-weight: 600;
  margin-top: 2px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 20px;
}

.site-nav__link {
  font-size: 14px;
  font-weight: 500;
  color: var(--steel);
  padding: 6px 0;
  position: relative;
}

.site-nav__link:hover,
.site-nav__link:focus-visible {
  color: var(--off-white);
}

.site-nav__link::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background-color: var(--gold);
  transition: width 0.2s ease;
}

.site-nav__link:hover::after {
  width: 100%;
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.btn--header-call {
  padding: 10px 16px;
  font-size: 14px;
  background-color: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  box-shadow: 0 4px 16px rgba(188, 156, 114, 0.25);
}

.btn--header-call:hover,
.btn--header-call:focus-visible {
  background-color: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy);
  transform: translateY(-1px);
  box-shadow: 0 6px 22px rgba(188, 156, 114, 0.35);
}

.btn--header-call:active {
  background-color: var(--gold-dark);
  border-color: var(--gold-dark);
  color: var(--navy);
  transform: translateY(0);
  box-shadow: 0 2px 10px rgba(188, 156, 114, 0.25);
}

.btn--header-quote {
  padding: 10px 16px;
  font-size: 14px;
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid rgba(169, 177, 188, 0.35);
  color: var(--off-white);
  border-radius: var(--radius-sm);
  padding: 8px 10px;
  cursor: pointer;
}

/* ==========================================================================
   Section 1 & 2 — Hero (#hero) — Full-Bleed Family Photo Background + Dark Overlay + Bottom Fade
   ========================================================================== */
.hero {
  position: relative;
  background-color: var(--navy);
  background-image:
    linear-gradient(
      180deg,
      rgba(15, 24, 38, 0.78) 0%,
      rgba(15, 24, 38, 0.68) 48%,
      rgba(15, 24, 38, 0.80) 82%,
      rgba(20, 27, 38, 0.90) 100%
    ),
    url('../img/family-on-truck-web.jpg');
  background-size: cover;
  background-position: center 35%;
  background-repeat: no-repeat;
  color: var(--off-white);
  padding: 92px 0 132px;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(188, 156, 114, 0.45), transparent);
  z-index: 2;
}

/* Subtle bottom gradient fade blending seamlessly into #carriers (--off-white: #F4F2ED) */
.hero::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 92px;
  background: linear-gradient(
    180deg,
    rgba(244, 242, 237, 0) 0%,
    rgba(244, 242, 237, 0.38) 52%,
    rgba(244, 242, 237, 0.85) 82%,
    #F4F2ED 100%
  );
  pointer-events: none;
  z-index: 1;
}

.hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 56px;
  align-items: center;
}

.hero__supporting-top {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-light);
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.55);
  margin: 0 0 18px;
}

.hero__supporting-top::before {
  content: '';
  display: inline-block;
  width: 28px;
  height: 2px;
  background-color: var(--gold);
}

.hero__headline {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.6vw, 58px);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: #FFFFFF;
  text-shadow: 0 3px 18px rgba(0, 0, 0, 0.55);
  margin: 0 0 20px;
}

.hero__supporting-second {
  font-family: var(--font-display);
  font-size: clamp(20px, 2.2vw, 25px);
  font-weight: 500;
  font-style: italic;
  color: #F4F2ED;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.55);
  margin: 0 0 22px;
  line-height: 1.38;
}

.hero__subhead {
  font-size: 18px;
  line-height: 1.7;
  color: #E6EBF2;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.55);
  margin: 0 0 34px;
  max-width: 660px;
}

.hero__cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 24px;
}

.hero__cta-group .btn {
  padding: 16px 28px;
  font-size: 16px;
}

.hero__cta-group .btn--outline-light {
  background-color: rgba(14, 19, 27, 0.55);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border-color: rgba(244, 242, 237, 0.65);
}

.hero__cta-group .btn--outline-light:hover {
  background-color: rgba(14, 19, 27, 0.78);
  border-color: var(--gold);
}

.hero__trust {
  display: inline-flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 14px;
  font-weight: 600;
  color: #FFFFFF;
  background: rgba(14, 19, 27, 0.68);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(188, 156, 114, 0.38);
  border-left: 3px solid var(--gold);
  padding: 10px 18px;
  border-radius: var(--radius-sm);
  margin: 0;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.28);
}

.hero__trust-stars {
  color: var(--gold);
  letter-spacing: 1px;
}

/* Hero Right Emblem Panel */
.hero__emblem-card {
  position: relative;
  background: linear-gradient(155deg, rgba(20, 27, 38, 0.88) 0%, rgba(14, 19, 27, 0.92) 100%);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(188, 156, 114, 0.42);
  border-radius: var(--radius-lg);
  padding: 38px 32px;
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.38);
  text-align: center;
}

.hero__emblem-card::before {
  content: '';
  position: absolute;
  inset: 8px;
  border: 1px solid rgba(169, 177, 188, 0.16);
  border-radius: 10px;
  pointer-events: none;
}

.hero__crest-large {
  width: 252px;
  height: 136px;
  object-fit: contain;
  margin: 0 auto 20px;
  filter: drop-shadow(0 8px 20px rgba(0, 0, 0, 0.45));
}

.hero__emblem-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 6px;
}

.hero__emblem-subtitle {
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin: 0 0 24px;
}

.hero__pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  border-top: 1px solid rgba(188, 156, 114, 0.28);
  padding-top: 22px;
}

.hero__pillar-num {
  display: block;
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.1;
}

.hero__pillar-label {
  display: block;
  font-size: 12px;
  color: var(--steel);
  margin-top: 4px;
}

/* ==========================================================================
   Scrolling Carrier Banner (#carriers)
   ========================================================================== */
.carrier-strip {
  background: var(--off-white);
  border-top: none;
  border-bottom: 1px solid rgba(20, 27, 38, 0.1);
  padding: 36px 0 60px;
  overflow: hidden;
}

.carrier-strip__head {
  text-align: center;
  margin: 0 auto 30px;
  padding: 0 20px;
  max-width: 900px;
}

.carrier-strip__eyebrow {
  display: block;
  color: var(--gold);
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 8px;
}

.carrier-strip__title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(22px, 2.8vw, 30px);
  font-weight: 600;
  color: var(--navy);
}

.carrier-strip__rule {
  width: 56px;
  height: 2px;
  background: var(--gold);
  margin: 14px auto 0;
  border: 0;
}

.marquee {
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}

.marquee__track {
  display: flex;
  width: max-content;
  animation: scroll var(--speed) linear infinite;
}

.marquee:hover .marquee__track,
.marquee:focus-within .marquee__track {
  animation-play-state: paused;
}

.marquee__list {
  display: flex;
  gap: var(--gap);
  list-style: none;
  margin: 0;
  padding: 6px calc(var(--gap) / 2);
}

@keyframes scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.carrier {
  flex: 0 0 var(--tile-w);
  height: var(--tile-h);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--surface-white);
  border-radius: var(--radius-sm);
  box-shadow: 0 1px 3px rgba(20, 27, 38, 0.06);
  border: 1px solid rgba(20, 27, 38, 0.07);
  padding: 12px 20px;
  transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s;
}

.carrier:hover {
  border-color: var(--gold);
  box-shadow: 0 6px 16px rgba(20, 27, 38, 0.1);
  transform: translateY(-2px);
}

.carrier img {
  display: block;
  max-width: 100%;
  height: calc(var(--logo-h) * var(--s, 1));
  max-height: calc(var(--tile-h) - 20px);
  width: auto;
  object-fit: contain;
}

.carrier--dark {
  background: var(--navy);
}

.carrier-strip__controls {
  text-align: center;
  margin-top: 22px;
}

.carrier-toggle-btn {
  background: transparent;
  border: 1px solid rgba(74, 84, 98, 0.3);
  color: var(--gunmetal);
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.2s ease;
}

.carrier-toggle-btn:hover {
  border-color: var(--gold);
  color: var(--navy);
}

.carrier-strip.is-grid .marquee {
  -webkit-mask-image: none;
  mask-image: none;
}

.carrier-strip.is-grid .marquee__track {
  animation: none;
  width: 100%;
  justify-content: center;
}

.carrier-strip.is-grid .marquee__list {
  flex-wrap: wrap;
  justify-content: center;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 8px 24px;
}

.carrier-strip.is-grid .marquee__list[aria-hidden="true"] {
  display: none;
}

/* ==========================================================================
   Section 3 — Veteran Story Band (#veteran)
   ========================================================================== */
.veteran-band {
  background-color: var(--navy);
  color: var(--off-white);
  padding: 60px 0;
  border-bottom: 3px solid var(--gold);
  position: relative;
}

.veteran-band__inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 36px;
  align-items: center;
  background: rgba(27, 36, 50, 0.7);
  border: 1px solid rgba(188, 156, 114, 0.3);
  border-radius: var(--radius-md);
  padding: 36px 42px;
}

.veteran-band__badge {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: rgba(188, 156, 114, 0.12);
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.veteran-band__heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.8vw, 32px);
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 10px;
}

.veteran-band__body {
  font-size: 16.5px;
  line-height: 1.7;
  color: #D5DBE3;
  margin: 0;
  max-width: 780px;
}

.veteran-band__action {
  flex-shrink: 0;
}

/* ==========================================================================
   Common Section Headers
   ========================================================================== */
.section {
  padding: 92px 0;
}

.section--light {
  background-color: var(--off-white);
}

.section--white {
  background-color: var(--surface-white);
}

.section--warm {
  background-color: var(--surface-warm);
}

.section--navy {
  background-color: var(--navy);
  color: var(--off-white);
}

.section-header {
  max-width: 760px;
  margin: 0 0 52px;
}

.section-header--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  margin-bottom: 10px;
}

.section--navy .section-eyebrow {
  color: var(--gold);
}

.section-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3.6vw, 42px);
  font-weight: 600;
  line-height: 1.18;
  color: var(--navy);
  margin: 0 0 16px;
}

.section--navy .section-heading {
  color: var(--off-white);
}

.section-intro {
  font-size: 18px;
  line-height: 1.68;
  color: var(--gunmetal);
  margin: 0;
}

.section--navy .section-intro {
  color: var(--steel);
}

/* ==========================================================================
   Section 4 — Who We Work With (#clients)
   ========================================================================== */
.clients-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 24px;
}

.client-card {
  grid-column: span 2;
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.28);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-top-color 0.22s ease;
  display: flex;
  flex-direction: column;
}

.client-card:nth-child(4),
.client-card:nth-child(5) {
  grid-column: span 3;
}

.client-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-top-color: var(--gold);
}

.client-card__icon {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background-color: rgba(188, 156, 114, 0.14);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  border: 1px solid rgba(188, 156, 114, 0.35);
}

.client-card__title {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 10px;
}

.client-card__detail {
  font-size: 15.5px;
  color: var(--gunmetal);
  margin: 0;
  line-height: 1.65;
}

/* ==========================================================================
   Section 5 — Products (#products)
   ========================================================================== */
.products-group {
  margin-bottom: 64px;
}

.products-group:last-child {
  margin-bottom: 0;
}

.products-group__head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 26px;
}

.products-group__title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
  flex-shrink: 0;
}

.products-group__line {
  flex: 1;
  height: 1.5px;
  background: linear-gradient(90deg, var(--gold) 0%, rgba(188, 156, 114, 0.22) 100%);
}

.personal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.product-row-card {
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.25);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 26px 24px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.product-row-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}

.product-row-card__title {
  font-family: var(--font-display);
  font-size: 19px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 8px;
}

.product-row-card__detail {
  font-size: 15px;
  color: var(--gunmetal);
  margin: 0;
  line-height: 1.6;
}

/* 3 Featured Spotlight Blocks (Contractors, Aviation, Farm and ranch) */
.spotlights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  margin: 56px 0;
}

.spotlight-card {
  background-color: var(--navy);
  color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 36px 30px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.spotlight-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(188, 156, 114, 0.14);
  border: 1px solid rgba(188, 156, 114, 0.4);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}

.spotlight-card__title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 14px;
}

.spotlight-card__body {
  font-size: 15.5px;
  line-height: 1.7;
  color: #D2D8E0;
  margin: 0 0 28px;
}

.spotlight-card .btn {
  width: 100%;
}

.commercial-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

/* ==========================================================================
   Section 6 — States We Serve (#states)
   ========================================================================== */
.states-section {
  background-color: var(--navy);
  color: var(--off-white);
  border-top: 1px solid rgba(188, 156, 114, 0.25);
  border-bottom: 1px solid rgba(188, 156, 114, 0.25);
}


.states-pills {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(155px, 1fr));
  gap: 14px;
}

.state-pill {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(27, 36, 50, 0.85);
  border: 1px solid rgba(169, 177, 188, 0.22);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  transition: border-color 0.2s ease, transform 0.2s ease;
}


.state-pill:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.state-pill__name {
  font-weight: 600;
  font-size: 15px;
  color: var(--off-white);
}

.state-pill__abbr {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--gold);
  background: rgba(20, 27, 38, 0.7);
  padding: 3px 8px;
  border-radius: 4px;
}

/* ==========================================================================
   Section 7 — About the Team (#about)
   ========================================================================== */
.about-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.about-copy {
  max-width: 680px;
}

.about-copy__p {
  font-size: 18px;
  line-height: 1.75;
  color: var(--gunmetal);
  margin: 0 0 20px;
}

.about-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid rgba(188, 156, 114, 0.38);
}

.about-stat__val {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1.1;
}

.about-stat__label {
  font-size: 14px;
  color: var(--gunmetal);
  margin-top: 4px;
}

.about-photo-figure {
  margin: 0 auto;
  max-width: 520px;
  width: 100%;
  background-color: var(--surface-white);
  border: 1px solid rgba(74, 84, 98, 0.16);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.about-photo-frame {
  position: relative;
  width: 100%;
  background-color: var(--navy);
  overflow: hidden;
}

.about-photo-frame img {
  width: 100%;
  height: auto;
  max-height: 380px;
  object-fit: cover;
  object-position: center 38%;
  display: block;
}

.about-photo-caption {
  padding: 20px 28px;
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--navy);
  background-color: var(--surface-white);
  border-top: 3px solid var(--gold);
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 500;
}

.about-photo-caption::before {
  content: '';
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: var(--gold);
  flex-shrink: 0;
}

/* ==========================================================================
   Section 8 — Google Reviews (#reviews)
   ========================================================================== */
.reviews-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(74, 84, 98, 0.18);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-md);
  text-align: center;
  max-width: 920px;
  margin: 0 auto;
}

.reviews-badge {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.4);
  border-radius: 999px;
  padding: 10px 24px;
  margin-bottom: 24px;
}

.reviews-badge__score {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: var(--navy);
}

.reviews-badge__stars {
  color: var(--gold);
  font-size: 20px;
  letter-spacing: 2px;
}

.reviews-badge__source {
  font-size: 14px;
  font-weight: 700;
  color: var(--gunmetal);
}

.reviews-feed-slot {
  margin: 28px auto 32px;
  padding: 28px 24px;
  background-color: var(--off-white);
  border: 1px dashed rgba(74, 84, 98, 0.32);
  border-radius: var(--radius-md);
  max-width: 760px;
}

.reviews-feed-slot__status {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-weight: 600;
  color: var(--navy);
  font-size: 15px;
  margin: 0 0 6px;
}

.reviews-feed-slot__note {
  font-size: 14px;
  color: var(--gunmetal);
  margin: 0;
}

.reviews-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
}

/* ==========================================================================
   Section 9 — Quote Section (#quote)
   ========================================================================== */
.quote-section {
  background-color: var(--off-white);
  border-top: 1px solid rgba(188, 156, 114, 0.3);
}

.quote-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 48px;
  align-items: start;
}

.quote-info {
  background-color: var(--navy);
  color: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 42px 36px;
  border: 1px solid rgba(188, 156, 114, 0.35);
  box-shadow: var(--shadow-md);
}

.quote-info__heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3.2vw, 38px);
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 18px;
  line-height: 1.18;
}

.quote-info__intro {
  font-size: 17px;
  line-height: 1.72;
  color: #D5DBE3;
  margin: 0 0 28px;
}

.quote-info__call-box {
  background: rgba(188, 156, 114, 0.1);
  border: 1px solid rgba(188, 156, 114, 0.4);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  margin-bottom: 24px;
}

.quote-info__call-label {
  display: block;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 6px;
}

.quote-info__call-phone {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 600;
  color: var(--off-white);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.quote-info__call-phone:hover {
  color: var(--gold);
}

.quote-info__highlights {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 12px;
}

.quote-info__highlights li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14.5px;
  color: var(--steel);
}

.quote-info__highlights li svg {
  color: var(--gold);
  flex-shrink: 0;
}

.quote-form-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(74, 84, 98, 0.18);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 40px 38px;
  box-shadow: var(--shadow-md);
}

.quote-form-card__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(188, 156, 114, 0.28);
}

.quote-form-card__title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
}

.quote-form-card__badge {
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  background-color: rgba(188, 156, 114, 0.2);
  border: 1px solid rgba(188, 156, 114, 0.5);
  padding: 4px 12px;
  border-radius: 999px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group--full {
  grid-column: 1 / -1;
}

.form-label {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--navy);
}

.form-label span {
  color: var(--gold-dark);
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--navy);
  background-color: var(--off-white);
  border: 1.5px solid rgba(74, 84, 98, 0.25);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  transition: border-color 0.2s ease, background-color 0.2s ease, box-shadow 0.2s ease;
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--gold);
  background-color: var(--surface-white);
  box-shadow: 0 0 0 3px rgba(188, 156, 114, 0.18);
}

.form-textarea {
  min-height: 110px;
  resize: vertical;
}

.form-submit-row {
  margin-top: 22px;
}

.form-submit-row .btn {
  width: 100%;
  padding: 16px 24px;
  font-size: 16px;
}

.quote-small-print {
  margin: 16px 0 0;
  font-size: 13.5px;
  color: var(--gunmetal);
  text-align: center;
  line-height: 1.5;
}

.quote-confirmation {
  display: none;
  margin-top: 18px;
  padding: 16px 20px;
  background-color: rgba(20, 27, 38, 0.04);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  color: var(--navy);
}

/* ==========================================================================
   Section 10 — Footer (#footer)
   ========================================================================== */
.site-footer {
  background-color: var(--navy-deep);
  color: var(--off-white);
  border-top: 3px solid var(--gold);
  padding: 72px 0 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(188, 156, 114, 0.28);
}

.footer-brand__tagline {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 500;
  color: var(--off-white);
  margin: 18px 0 20px;
  line-height: 1.45;
}

.footer-socials {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
}

.footer-social-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 14px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(169, 177, 188, 0.25);
  border-radius: var(--radius-sm);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--off-white);
}

.footer-social-link:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(188, 156, 114, 0.1);
}

.footer-col__heading {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  margin: 0 0 18px;
}

.footer-details {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 14px;
}

.footer-details__item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: #D5DBE3;
  line-height: 1.55;
}

.footer-details__icon {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 3px;
}

.footer-details__label {
  display: block;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--steel);
  font-weight: 600;
}

.footer-details__value a:hover {
  color: var(--gold);
}

.footer-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}

.footer-nav-list a {
  font-size: 15px;
  color: var(--steel);
}

.footer-nav-list a:hover {
  color: var(--gold);
}

.footer-legal {
  padding-top: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-licensing {
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--steel);
  margin: 0;
}

.footer-copyright {
  font-size: 13.5px;
  color: var(--steel);
  margin: 0;
  font-weight: 600;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1080px) {
  .site-nav {
    display: none;
  }
  .site-nav.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 80px;
    left: 0;
    right: 0;
    background-color: var(--navy);
    padding: 20px 24px;
    border-bottom: 2px solid var(--gold);
    align-items: flex-start;
    gap: 14px;
  }
  .nav-toggle {
    display: inline-flex;
  }
  .hero__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .personal-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .spotlights-grid {
    grid-template-columns: 1fr;
  }
  .commercial-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .about-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .about-photo-figure {
    max-width: 560px;
    margin: 0 auto;
  }
  .quote-wrapper {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --tile-w: 160px;
    --tile-h: 80px;
    --gap: 16px;
    --logo-h: 40px;
  }
  .section {
    padding: 68px 0;
  }
  .hero {
    padding: 56px 0 68px;
  }
  .btn--header-quote {
    display: none;
  }
  .veteran-band__inner {
    grid-template-columns: 1fr;
    text-align: left;
    padding: 28px 24px;
    gap: 20px;
  }
  .clients-grid {
    grid-template-columns: 1fr;
  }
  .client-card,
  .client-card:nth-child(4),
  .client-card:nth-child(5) {
    grid-column: span 1;
  }
  .personal-grid,
  .commercial-grid,
  .form-grid,
  .footer-grid,
  .about-stats {
    grid-template-columns: 1fr;
  }
  .quote-form-card,
  .quote-info,
  .reviews-card {
    padding: 28px 22px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .marquee {
    -webkit-mask-image: none;
    mask-image: none;
  }
  .marquee__track {
    animation: none;
    width: auto;
    justify-content: center;
  }
  .marquee__list {
    flex-wrap: wrap;
    justify-content: center;
    padding: 0 20px;
  }
  .marquee__list[aria-hidden="true"] {
    display: none;
  }
}

/* ==========================================================================
   About Us Page (about.html) — Team Profiles & Direct Contact Directory
   ========================================================================== */
.site-nav__link.is-active {
  color: var(--off-white);
}

.site-nav__link.is-active::after {
  width: 100%;
}

.about-hero {
  position: relative;
  background-color: var(--navy);
  background-image:
    radial-gradient(circle at 80% 20%, rgba(188, 156, 114, 0.14) 0%, transparent 48%),
    radial-gradient(circle at 15% 85%, rgba(74, 84, 98, 0.26) 0%, transparent 50%),
    linear-gradient(180deg, #141B26 0%, #101620 100%);
  color: var(--off-white);
  padding: 72px 0 80px;
  border-bottom: 3px solid var(--gold);
}

.about-hero__breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--steel);
  margin-bottom: 20px;
}

.about-hero__breadcrumb a {
  color: var(--gold);
}

.about-hero__breadcrumb a:hover {
  color: var(--gold-light);
  text-decoration: underline;
}

.about-hero__grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 48px;
  align-items: center;
}

.about-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 14px;
}

.about-hero__eyebrow::before {
  content: '';
  display: inline-block;
  width: 28px;
  height: 2px;
  background-color: var(--gold);
}

.about-hero__title {
  font-family: var(--font-display);
  font-size: clamp(34px, 4.2vw, 52px);
  font-weight: 600;
  line-height: 1.12;
  color: var(--off-white);
  margin: 0 0 18px;
}

.about-hero__lead {
  font-size: 18px;
  line-height: 1.72;
  color: #D5DBE3;
  margin: 0 0 28px;
  max-width: 680px;
}

.about-hero__meta-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.about-hero__pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(188, 156, 114, 0.32);
  border-left: 3px solid var(--gold);
  padding: 9px 16px;
  border-radius: var(--radius-sm);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--off-white);
}

.about-hero__pill svg {
  color: var(--gold);
  flex-shrink: 0;
}

.about-hero__card {
  background: linear-gradient(155deg, rgba(27, 36, 50, 0.94) 0%, rgba(16, 22, 32, 0.98) 100%);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-lg);
}

.about-hero__card-head {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(188, 156, 114, 0.25);
}

.about-hero__card-crest {
  width: 84px;
  height: 45px;
  object-fit: contain;
  flex-shrink: 0;
}

.about-hero__card-title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 2px;
}

.about-hero__card-sub {
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin: 0;
}

.about-hero__contact-list {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
  display: grid;
  gap: 12px;
}

.about-hero__contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: #D5DBE3;
  line-height: 1.5;
}

.about-hero__contact-list svg {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 3px;
}

.about-hero__contact-list strong {
  color: var(--off-white);
}

.about-hero__contact-list a {
  color: var(--gold);
  font-weight: 600;
}

.about-hero__contact-list a:hover {
  color: var(--gold-light);
  text-decoration: underline;
}

/* Quick Directory Bar */
.team-directory-bar {
  background-color: var(--surface-white);
  border-bottom: 1px solid rgba(20, 27, 38, 0.08);
  padding: 20px 0;
}

.team-directory-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
}

.team-directory-bar__label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold-dark);
}

.team-directory-bar__links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.team-jump-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 14px;
  border-radius: 999px;
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
}

.team-jump-pill span {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--gold-dark);
  background: rgba(188, 156, 114, 0.16);
  padding: 2px 7px;
  border-radius: 999px;
}

.team-jump-pill:hover {
  border-color: var(--gold);
  background-color: rgba(188, 156, 114, 0.15);
  transform: translateY(-1px);
}

/* Featured Owner Profile Card */
.owner-profile-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 40px;
  margin-bottom: 44px;
  display: grid;
  grid-template-columns: 400px 1fr;
  gap: 44px;
  align-items: start;
}

.owner-profile-card__media {
  margin: 0;
}

.owner-profile-card__photo-wrap {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(20, 27, 38, 0.12);
  background-color: var(--navy);
  box-shadow: var(--shadow-sm);
}

.owner-profile-card__photo-wrap img {
  width: 100%;
  height: 310px;
  object-fit: cover;
  object-position: center 36%;
  display: block;
}

.owner-profile-card__caption {
  margin-top: 10px;
  font-size: 13px;
  color: var(--gunmetal);
  line-height: 1.5;
  padding-left: 10px;
  border-left: 2px solid var(--gold);
}

.owner-profile-card__quick-box {
  margin-top: 18px;
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.32);
  border-radius: var(--radius-md);
  padding: 18px 20px;
}

.owner-profile-card__quick-title {
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-dark);
  margin: 0 0 10px;
}

.agent-badge-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.agent-role-badge {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy);
  background-color: rgba(188, 156, 114, 0.22);
  border: 1px solid rgba(188, 156, 114, 0.55);
  padding: 4px 12px;
  border-radius: 999px;
}

.agent-ext-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--gold-dark);
  background-color: var(--off-white);
  border: 1px solid rgba(74, 84, 98, 0.22);
  padding: 4px 11px;
  border-radius: 999px;
}

.agent-name {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 34px);
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 6px;
  line-height: 1.18;
}

.agent-phone-line {
  font-size: 15px;
  font-weight: 700;
  color: var(--gunmetal);
  margin: 0 0 18px;
}

.agent-phone-line a {
  color: var(--navy);
  border-bottom: 1.5px solid var(--gold);
}

.agent-phone-line a:hover {
  color: var(--gold-dark);
}

.agent-bio p {
  font-size: 15.5px;
  line-height: 1.72;
  color: var(--gunmetal);
  margin: 0 0 14px;
}

.agent-bio p:last-child {
  margin-bottom: 0;
}

.agent-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid rgba(188, 156, 114, 0.28);
}

.agent-action-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 700;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
}

.agent-action-btn--primary {
  background-color: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.agent-action-btn--primary:hover {
  background-color: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
}

.agent-action-btn--outline {
  background-color: var(--surface-white);
  color: var(--navy);
  border-color: rgba(74, 84, 98, 0.32);
}

.agent-action-btn--outline:hover {
  border-color: var(--gold);
  background-color: rgba(188, 156, 114, 0.1);
  transform: translateY(-1px);
}

/* Team Grid for Remaining 5 Agents */
.team-profiles-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.team-profile-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.3);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.team-profile-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.team-profile-card__top {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 24px;
  align-items: start;
  margin-bottom: 18px;
}

.team-profile-card__photo {
  width: 150px;
  height: 215px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(20, 27, 38, 0.12);
  background-color: var(--navy);
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
}

.team-profile-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.team-profile-card__name {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 4px;
  line-height: 1.2;
}

.team-profile-card__role {
  font-size: 14px;
  font-weight: 700;
  color: var(--gold-dark);
  margin: 0 0 10px;
}

.team-profile-card__phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  padding: 6px 12px;
  border-radius: var(--radius-sm);
}

.team-profile-card__phone svg {
  color: var(--gold-dark);
}

.team-profile-card--featured-wide {
  grid-column: 1 / -1;
}

.team-profile-card--featured-wide .team-profile-card__top {
  grid-template-columns: 165px 1fr;
}

/* Direct Contact Directory Table / Section */
.contact-directory-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.directory-table-wrap {
  overflow-x: auto;
}

.directory-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 15px;
}

.directory-table th {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold-dark);
  padding: 12px 16px;
  border-bottom: 2px solid rgba(188, 156, 114, 0.35);
  background-color: var(--off-white);
}

.directory-table td {
  padding: 15px 16px;
  border-bottom: 1px solid rgba(20, 27, 38, 0.08);
  color: var(--navy);
  vertical-align: middle;
}

.directory-table tr:last-child td {
  border-bottom: none;
}

.directory-table__name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 17px;
  color: var(--navy);
}

.directory-table__ext {
  display: inline-block;
  font-weight: 700;
  font-size: 13px;
  color: var(--navy);
  background: rgba(188, 156, 114, 0.2);
  border: 1px solid rgba(188, 156, 114, 0.45);
  padding: 3px 9px;
  border-radius: 999px;
}

@media (max-width: 1080px) {
  .about-hero__grid,
  .owner-profile-card,
  .team-profiles-grid {
    grid-template-columns: 1fr;
  }
  .owner-profile-card__media {
    max-width: 480px;
  }
}

@media (max-width: 640px) {
  .owner-profile-card,
  .team-profile-card,
  .contact-directory-card {
    padding: 24px 20px;
  }
  .team-profile-card__top,
  .team-profile-card--featured-wide .team-profile-card__top {
    grid-template-columns: 1fr;
  }
  .team-profile-card__photo {
    width: 140px;
    height: 200px;
  }
}


.team-profile-card__contacts {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 4px;
}

.team-profile-card__email {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--navy);
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  padding: 6px 12px;
  border-radius: var(--radius-sm);
}

.team-profile-card__email svg {
  color: var(--gold-dark);
  flex-shrink: 0;
}

.team-profile-card__email:hover,
.team-profile-card__phone:hover {
  border-color: var(--gold);
  background-color: rgba(188, 156, 114, 0.14);
}

.footer-inbox-note {
  font-size: 13px;
  line-height: 1.6;
  color: #9AA5B4;
  margin: 0 0 12px;
}

/* ==========================================================================
   Personal Lines Hub & Coverage Sub-Pages (personal-lines.html, personal-auto.html,
   personal-property.html, personal-toys.html)
   ========================================================================== */

/* Active state for top navigation link */
.site-nav__link.is-active {
  color: var(--off-white);
  font-weight: 600;
}

.site-nav__link.is-active::after {
  width: 100%;
}

/* Interactive Product Cards on index.html */
a.product-row-card--link {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}

a.product-row-card--link:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.product-row-card__cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 14px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--gold-dark);
  transition: color 0.2s ease, transform 0.2s ease;
}

a.product-row-card--link:hover .product-row-card__cta {
  color: var(--navy);
  transform: translateX(3px);
}

.products-group__explore {
  flex-shrink: 0;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  border-bottom: 1.5px solid var(--gold);
  padding-bottom: 2px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.products-group__explore:hover {
  color: var(--gold-dark);
}

/* Sub-navigation Pill Bar across Personal Lines pages */
.personal-subnav-bar {
  background-color: var(--surface-white);
  border-bottom: 1px solid rgba(20, 27, 38, 0.09);
  padding: 16px 0;
}

.personal-subnav-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
}

.personal-subnav-bar__label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-dark);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.personal-subnav-bar__links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.personal-subnav-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: 999px;
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
  transition: all 0.2s ease;
}

.personal-subnav-pill:hover {
  border-color: var(--gold);
  background-color: rgba(188, 156, 114, 0.14);
  transform: translateY(-1px);
}

.personal-subnav-pill.is-current {
  background-color: var(--navy);
  color: var(--off-white);
  border-color: var(--gold);
}

.personal-subnav-pill.is-current span {
  color: var(--gold);
}

/* Personal Lines Hub 3 Pillar Cards */
.hub-pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.hub-pillar-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.hub-pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.hub-pillar-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 20px;
}

.hub-pillar-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background-color: rgba(188, 156, 114, 0.14);
  border: 1px solid rgba(188, 156, 114, 0.42);
  color: var(--gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hub-pillar-card__tag {
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy);
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.38);
  padding: 5px 12px;
  border-radius: 999px;
}

.hub-pillar-card__title {
  font-family: var(--font-display);
  font-size: 25px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 12px;
  line-height: 1.22;
}

.hub-pillar-card__desc {
  font-size: 15.5px;
  line-height: 1.68;
  color: var(--gunmetal);
  margin: 0 0 20px;
}

.hub-pillar-card__list {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  border-top: 1px solid rgba(188, 156, 114, 0.25);
  padding-top: 18px;
  display: grid;
  gap: 10px;
}

.hub-pillar-card__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: var(--navy);
  line-height: 1.5;
}

.hub-pillar-card__list li svg {
  color: var(--gold-dark);
  flex-shrink: 0;
  margin-top: 3px;
}

.hub-pillar-card__actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* Additional Personal Lines Cards (Umbrella, Life, Bundling) */
.additional-coverages-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}

.addon-card {
  background-color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.3);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.addon-card__eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-dark);
  margin-bottom: 6px;
}

.addon-card__title {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 10px;
}

.addon-card__body {
  font-size: 15px;
  line-height: 1.65;
  color: var(--gunmetal);
  margin: 0 0 18px;
}

/* Plain-Language Coverage Breakdown Grid (2x3 or 2x4 cards) */
.coverage-breakdown-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.coverage-breakdown-grid--three {
  grid-template-columns: repeat(3, 1fr);
}

.coverage-item-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.3);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 30px 28px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.coverage-item-card--offwhite {
  background-color: var(--off-white);
}

.coverage-item-card__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 14px;
  margin-bottom: 12px;
}

.coverage-item-card__title {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
  line-height: 1.25;
}

.coverage-item-card__badge {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-dark);
  background: rgba(188, 156, 114, 0.16);
  border: 1px solid rgba(188, 156, 114, 0.4);
  padding: 4px 10px;
  border-radius: 999px;
  white-space: nowrap;
  flex-shrink: 0;
}

.coverage-item-card__body {
  font-size: 15.5px;
  line-height: 1.68;
  color: var(--gunmetal);
  margin: 0 0 16px;
}

.coverage-item-card__plain-note {
  margin: 0;
  padding: 12px 14px;
  background-color: rgba(188, 156, 114, 0.1);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  font-size: 13.5px;
  color: var(--navy);
  line-height: 1.55;
}

.coverage-item-card__plain-note strong {
  color: var(--navy);
}

/* Regional & Local Risk Spotlight Section (Dark Navy Armory Cards) */
.risk-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.risk-card {
  background: linear-gradient(155deg, rgba(27, 36, 50, 0.94) 0%, rgba(16, 22, 32, 0.98) 100%);
  border: 1px solid rgba(188, 156, 114, 0.34);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 30px 28px;
  color: var(--off-white);
  box-shadow: var(--shadow-md);
}

.risk-card__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold);
  margin-bottom: 8px;
}

.risk-card__title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--off-white);
  margin: 0 0 12px;
  line-height: 1.25;
}

.risk-card__body {
  font-size: 15.5px;
  line-height: 1.68;
  color: #D5DBE3;
  margin: 0;
}

/* How We Shop 28 Carriers Step Cards */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.step-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.3);
  border-radius: var(--radius-md);
  padding: 30px 26px;
  position: relative;
  box-shadow: var(--shadow-sm);
}

.step-card__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background-color: var(--navy);
  color: var(--gold);
  border: 1.5px solid var(--gold);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  margin-bottom: 16px;
}

.step-card__title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 10px;
}

.step-card__body {
  font-size: 15px;
  line-height: 1.65;
  color: var(--gunmetal);
  margin: 0;
}

/* Cross-Link Sibling Cards at Bottom of Sub-pages */
.crosslink-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.crosslink-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.32);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 26px 24px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.crosslink-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.crosslink-card__eyebrow {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-dark);
  margin-bottom: 6px;
}

.crosslink-card__title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 8px;
}

.crosslink-card__desc {
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--gunmetal);
  margin: 0 0 16px;
}

@media (max-width: 1080px) {
  .hub-pillars-grid,
  .additional-coverages-grid,
  .coverage-breakdown-grid,
  .coverage-breakdown-grid--three,
  .risk-cards-grid,
  .steps-grid,
  .crosslink-grid {
    grid-template-columns: 1fr;
  }
}

/* States section heading & intro contrast on dark navy background */
.states-section .section-heading {
  color: var(--off-white);
}
.states-section .section-intro {
  color: #D2D8E0;
}

/* personal-lines page helpers */
.about-hero-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.85fr;
  gap: 48px;
  align-items: center;
}
.about-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 600;
  line-height: 1.14;
  color: var(--off-white);
  margin: 14px 0 16px;
}
.about-hero .lead {
  font-size: 18px;
  line-height: 1.7;
  color: #D5DBE3;
  margin: 0 0 24px;
}
.about-hero .breadcrumb {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--steel);
}
.about-hero .breadcrumb a {
  color: var(--gold);
  text-decoration: none;
}
.about-hero .breadcrumb a:hover {
  text-decoration: underline;
}
.about-hero .contact-card {
  background: linear-gradient(155deg, rgba(27, 36, 50, 0.94) 0%, rgba(16, 22, 32, 0.98) 100%);
  border: 1px solid rgba(188, 156, 114, 0.38);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  color: var(--off-white);
  box-shadow: var(--shadow-lg);
}
.about-hero .contact-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--off-white);
  margin: 0 0 12px;
}
.about-hero .contact-card p {
  font-size: 15px;
  color: #D5DBE3;
  margin: 0 0 12px;
  line-height: 1.6;
}
.about-hero .contact-card ul {
  margin: 12px 0 0;
  padding-left: 18px;
  color: #D5DBE3;
  font-size: 14.5px;
  line-height: 1.7;
}
.about-hero .contact-card a:not(.btn) {
  color: var(--gold);
  font-weight: 600;
}
.trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 20px;
}
.trust-pills .pill {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(188, 156, 114, 0.4);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 9px 16px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--off-white);
}
main > .section h2 {
  font-family: var(--font-display);
  font-size: clamp(26px, 3.2vw, 36px);
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 28px;
}
.hub-pillar-card h3,
.coverage-breakdown-card h3,
.additional-coverage-card h3,
.step-card h3,
.crosslink-card h3 {
  font-family: var(--font-display);
  font-size: 21px;
  font-weight: 600;
  color: var(--navy);
  margin: 0 0 10px;
}
.hub-pillar-card p,
.coverage-breakdown-card p,
.additional-coverage-card p,
.step-card p,
.crosslink-card p {
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--gunmetal);
  margin: 0;
}
.hub-pillar-card .link-arrow {
  display: inline-flex;
  align-items: center;
  margin-top: 18px;
  font-size: 14px;
  font-weight: 700;
  color: var(--gold-dark);
}
.coverage-breakdown-card,
.additional-coverage-card {
  background-color: var(--surface-white);
  border: 1px solid rgba(188, 156, 114, 0.35);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 28px 26px;
  box-shadow: var(--shadow-sm);
}
.additional-coverages-grid {
  grid-template-columns: repeat(2, 1fr);
}
.step-card .step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background-color: var(--navy);
  color: var(--gold);
  border: 1.5px solid var(--gold);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  margin-bottom: 14px;
}
.cta-banner {
  background-color: var(--navy);
  color: var(--off-white);
  text-align: center;
  border-top: 3px solid var(--gold);
}
.cta-banner h2 {
  color: var(--off-white) !important;
  margin-bottom: 12px !important;
}
.cta-banner p {
  color: #D5DBE3;
  font-size: 17px;
  margin: 0 auto 24px;
  max-width: 600px;
}
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: var(--gold);
  color: var(--navy) !important;
  font-weight: 700;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  margin: 6px 8px 6px 0;
  text-decoration: none !important;
}
.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: transparent;
  color: var(--off-white) !important;
  border: 1.5px solid var(--gold);
  font-weight: 600;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  margin: 6px 0;
  text-decoration: none !important;
}
@media (max-width: 860px) {
  .about-hero-grid,
  .additional-coverages-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   Two-Tier Header & Sticky Navigation Sub-Bar (#site-subbar)
   ========================================================================== */
html {
  scroll-padding-top: 64px;
}

/* Top Banner: Static dark navy/black bar (scrolls normally above sticky sub-bar) */
.site-header {
  position: relative;
  top: auto;
  z-index: 1001;
  background-color: #101620;
  color: var(--off-white);
  border-bottom: 1px solid rgba(188, 156, 114, 0.22);
}

.site-header__inner {
  min-height: 76px;
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}

.site-header__hours {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-sans);
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--steel);
  white-space: nowrap;
}

.site-header__hours svg {
  color: var(--gold);
  opacity: 0.85;
  flex-shrink: 0;
}

/* Second Row: Sticky Navigation Sub-Bar pinned to top of viewport on scroll */
.site-subbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: linear-gradient(180deg, rgba(23, 31, 44, 0.98) 0%, rgba(18, 25, 36, 0.98) 100%);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 2px solid var(--gold);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.28);
}

.site-subbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 52px;
  gap: 16px;
}

.subbar-nav {
  display: flex;
  align-items: center;
}

.subbar-nav__list {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.subbar-nav__item {
  position: relative;
  display: flex;
  align-items: center;
}

.subbar-nav__link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 14px 12px;
  font-family: var(--font-sans);
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #D8DFE8;
  background: transparent;
  border: 0;
  cursor: pointer;
  position: relative;
  white-space: nowrap;
  text-decoration: none;
  transition: color 0.18s ease, background-color 0.18s ease;
}

.subbar-nav__link:hover,
.subbar-nav__link:focus-visible,
.subbar-nav__link.is-active {
  color: var(--off-white);
}

.subbar-nav__link::after {
  content: '';
  position: absolute;
  left: 12px;
  right: 12px;
  bottom: 0;
  height: 2.5px;
  background-color: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.2s ease;
}

.subbar-nav__link:hover::after,
.subbar-nav__link:focus-visible::after,
.subbar-nav__link.is-active::after {
  transform: scaleX(1);
}

.subbar-nav__link--placeholder {
  color: var(--steel);
  opacity: 0.82;
}

.subbar-nav__link--placeholder:hover {
  color: #D8DFE8;
  opacity: 1;
}

/* Personal Insurance Dropdown Trigger & Menu */
.subbar-nav__dropdown-trigger-wrap {
  display: inline-flex;
  align-items: center;
}

.subbar-nav__item--dropdown .subbar-nav__link {
  padding-right: 4px;
}

.subbar-nav__dropdown-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  border: 0;
  color: var(--gold);
  padding: 8px 7px 8px 3px;
  cursor: pointer;
  border-radius: 4px;
  transition: transform 0.2s ease, color 0.2s ease;
}

.subbar-nav__dropdown-btn:hover,
.subbar-nav__dropdown-btn:focus-visible {
  color: var(--gold-light);
  outline: none;
}

.subbar-nav__item--dropdown:hover .subbar-nav__dropdown-btn svg,
.subbar-nav__item--dropdown.is-open .subbar-nav__dropdown-btn svg {
  transform: rotate(180deg);
}

.subbar-dropdown {
  position: absolute;
  top: calc(100% + 2px);
  left: 0;
  min-width: 280px;
  background: #141B26;
  border: 1px solid rgba(188, 156, 114, 0.42);
  border-top: 3px solid var(--gold);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  box-shadow: 0 18px 38px rgba(0, 0, 0, 0.48);
  list-style: none;
  margin: 0;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
  z-index: 1100;
}

.subbar-nav__item--dropdown:hover .subbar-dropdown,
.subbar-nav__item--dropdown:focus-within .subbar-dropdown,
.subbar-nav__item--dropdown.is-open .subbar-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.subbar-dropdown__link {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 9px 18px;
  text-decoration: none;
  border-left: 3px solid transparent;
  transition: background-color 0.16s ease, border-left-color 0.16s ease;
}

.subbar-dropdown__link strong {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--off-white);
}

.subbar-dropdown__link span {
  font-size: 12px;
  color: var(--steel);
}

.subbar-dropdown__link:hover,
.subbar-dropdown__link:focus-visible {
  background-color: rgba(188, 156, 114, 0.12);
  border-left-color: var(--gold);
}

.subbar-dropdown__footer {
  margin-top: 4px;
  padding-top: 6px;
  border-top: 1px solid rgba(188, 156, 114, 0.22);
}

.subbar-dropdown__all {
  display: block;
  padding: 8px 18px 6px;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--gold);
  text-decoration: none;
}

.subbar-dropdown__all:hover {
  color: var(--gold-light);
  text-decoration: underline;
}

/* Right-Side Utilities inside Sticky Sub-Bar: Get a Quote Online & Contact Link */
.site-subbar__utilities {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}

.btn--subbar-quote {
  padding: 7px 15px;
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  background-color: var(--gold);
  border: 1.5px solid var(--gold);
  border-radius: var(--radius-sm);
  white-space: nowrap;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

.btn--subbar-quote:hover,
.btn--subbar-quote:focus-visible {
  background-color: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy);
  transform: translateY(-1px);
}

.subbar-contact-link {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-sans);
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #D8DFE8;
  padding: 6px 4px;
  position: relative;
  white-space: nowrap;
  text-decoration: none;
  transition: color 0.18s ease;
}

.subbar-contact-link::after {
  content: '';
  position: absolute;
  left: 4px;
  right: 4px;
  bottom: 0;
  height: 2px;
  background-color: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.2s ease;
}

.subbar-contact-link:hover,
.subbar-contact-link:focus-visible {
  color: var(--off-white);
}

.subbar-contact-link:hover::after,
.subbar-contact-link:focus-visible::after {
  transform: scaleX(1);
}

/* Responsive / Mobile Layout for Two-Tier Header & Sticky Sub-Bar */
@media (max-width: 1140px) {
  .subbar-nav__link {
    padding: 13px 9px;
    font-size: 13px;
  }
  .site-subbar__utilities {
    gap: 12px;
  }
}

@media (max-width: 980px) {
  .nav-toggle {
    display: inline-flex;
  }

  .site-header__inner {
    flex-wrap: wrap;
    padding-top: 10px;
    padding-bottom: 10px;
    gap: 10px;
  }

  .site-subbar__inner {
    flex-direction: column;
    align-items: stretch;
    min-height: 48px;
    padding-top: 8px;
    padding-bottom: 8px;
    gap: 0;
  }

  .subbar-nav {
    display: none;
    width: 100%;
    padding: 10px 0 12px;
    border-bottom: 1px solid rgba(188, 156, 114, 0.22);
    margin-bottom: 10px;
  }

  .site-subbar.is-mobile-open .subbar-nav {
    display: block;
  }

  .subbar-nav__list {
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
  }

  .subbar-nav__item {
    flex-direction: column;
    align-items: stretch;
  }

  .subbar-nav__dropdown-trigger-wrap {
    display: flex;
    justify-content: space-between;
    width: 100%;
  }

  .subbar-nav__link {
    padding: 10px 8px;
    width: 100%;
    justify-content: space-between;
  }

  .subbar-dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
    box-shadow: none;
    border: 0;
    border-left: 2px solid var(--gold);
    margin-left: 12px;
    padding: 4px 0;
    background: rgba(16, 22, 32, 0.6);
  }

  .subbar-nav__item--dropdown.is-open .subbar-dropdown {
    display: block;
  }

  .site-subbar__utilities {
    width: 100%;
    justify-content: space-between;
    gap: 12px;
  }
}

@media (max-width: 640px) {
  .brand__crest {
    width: 72px;
    height: 40px;
  }
  .brand__name {
    font-size: 17px;
  }
  .brand__meta {
    font-size: 9.5px;
    letter-spacing: 0.1em;
  }
  .site-header__actions {
    width: 100%;
    justify-content: space-between;
    gap: 8px;
  }
  .site-header__hours {
    font-size: 11.5px;
  }
  .btn--header-call {
    padding: 7px 11px;
    font-size: 12.5px;
  }
}


/* Real-world example callout inside coverage breakdown cards */
.coverage-example {
  margin-top: 14px;
  padding: 12px 14px;
  background-color: rgba(188, 156, 114, 0.10);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 14px;
  line-height: 1.55;
  color: var(--navy);
}

.coverage-example strong {
  color: var(--navy);
  font-weight: 700;
}

/* ==========================================================================
   Same-Day COI Callout Banner (Section 5 — Commercial Products Group)
   ========================================================================== */
.coi-callout-banner {
  margin-top: 28px;
  background: linear-gradient(135deg, #141B26 0%, #1B2432 100%);
  color: var(--off-white);
  border: 1px solid rgba(188, 156, 114, 0.42);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius-md);
  padding: 36px 40px;
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 36px;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.coi-callout-banner::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(188, 156, 114, 0.14) 0%, rgba(188, 156, 114, 0) 70%);
  pointer-events: none;
}

.coi-callout-banner__content {
  max-width: 780px;
}

.coi-callout-banner__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold);
  margin: 0 0 10px;
}

.coi-callout-banner__eyebrow svg {
  flex-shrink: 0;
  color: var(--gold);
}

.coi-callout-banner__title {
  font-family: var(--font-display);
  font-size: clamp(23px, 2.6vw, 30px);
  font-weight: 600;
  line-height: 1.22;
  color: var(--off-white);
  margin: 0 0 12px;
}

.coi-callout-banner__body {
  font-size: 16px;
  line-height: 1.68;
  color: #D5DBE3;
  margin: 0;
}

.coi-callout-banner__actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  min-width: 250px;
  flex-shrink: 0;
}

.coi-callout-banner__actions .btn {
  width: 100%;
  justify-content: center;
  text-align: center;
  padding: 14px 22px;
  font-size: 15px;
}

@media (max-width: 960px) {
  .coi-callout-banner {
    grid-template-columns: 1fr;
    padding: 28px 24px;
    gap: 24px;
  }

  .coi-callout-banner__actions {
    flex-direction: row;
    flex-wrap: wrap;
    min-width: 0;
  }

  .coi-callout-banner__actions .btn {
    flex: 1 1 220px;
  }
}