/* ── Onward Insurance — Main Stylesheet ── */

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

:root {
  --gold: #AE9A00;
  --gold-bright: #F9D01C;
  --gold-dark: #946C00;
  --text-dark: #333;
  --text-mid: #444;
  --text-body: #45556C;
  --text-heading: #0F172B;
  --bg-card: #F6F6F6;
  --bg-dark: #3D3D3D;
  --bg-footer: #040707;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Roboto', sans-serif;
  color: var(--text-dark);
  overflow-x: hidden;
  background: #fff;
}

/* ── ADA / WCAG 2.1 AA ── */

/* Skip navigation link — hidden until focused */
.skip-link {
  position: absolute;
  top: -100%;
  left: 0;
  background: #000;
  color: #fff;
  padding: 12px 20px;
  font-size: 15px;
  font-weight: 600;
  z-index: 9999;
  text-decoration: none;
  border-radius: 0 0 4px 0;
}
.skip-link:focus {
  top: 0;
}

/* Global visible focus ring — !important ensures it wins over element-level outline:none */
:focus-visible {
  outline: 3px solid var(--gold-dark) !important;
  outline-offset: 3px !important;
}

/* Suppress outline only for mouse users (pointer-events) */
:focus:not(:focus-visible) {
  outline: none;
}

/* ── NAVIGATION ── */
.nav-wrapper {
  position: absolute;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(0,0,0,0.5);
}

nav {
  display: flex;
  align-items: center;
  gap: 96px;
  height: 70px;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 40px;
}

.nav-logo img {
  width: 147px;
  height: 70px;
  object-fit: contain;
}

.nav-links {
  display: flex;
  gap: 32px;
  flex: 1;
  justify-content: flex-end;
  list-style: none;
}

.nav-links a {
  font-family: 'Roboto', sans-serif;
  font-weight: 600;
  font-size: 16px;
  color: #fff;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--gold-bright); }

.btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 36px;
  background: linear-gradient(270deg, #E3A700 0%, #946C00 100%);
  color: #fff;
  font-family: 'Roboto', sans-serif;
  font-weight: 600;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border: none;
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s;
}

.btn-gold:hover { opacity: 0.9; }

.btn-gold-lg {
  font-size: 14px;
  padding: 12px 32px;
  min-width: 180px;
}

/* ── HERO / BANNER ── */
.hero {
  position: relative;
  height: 510px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0); /* homepage: no overlay */
}

/* Darker overlay for interior pages (e.g. Home Owners LP) */
.hero--dark .hero-bg::after {
  background: rgba(0,0,0,0.66);
}

.hero-content {
  position: relative;
  z-index: 10;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 100px 40px 40px;
  max-width: 850px;
  margin: 0 auto;
  width: 100%;
}

.hero-title {
  font-family: 'Roboto Condensed', sans-serif;
  font-size: 64px;
  line-height: 1.1;
  color: #fff;
}

.hero-title span {
  font-weight: 300;
  color: var(--gold-bright);
}

.hero-subtitle {
  font-size: 22px;
  color: #fff;
  line-height: 1.4;
  margin-top: 16px;
  max-width: 680px;
}

.hero-cta { margin-top: 32px; }

/* ── BODY WRAPPER ── */
.body-wrap {
  max-width: 1440px;
  margin: 0 auto;
}

/* ── SECTION: OUR SERVICES ── */
.services-section { padding: 36px 0 0; }

.section-header {
  text-align: center;
  margin-bottom: 48px;
}

.section-label {
  font-size: 22px;
  font-weight: 500;
  color: var(--gold);
  line-height: 1.2;
  margin-bottom: 12px;
}

.section-title {
  font-size: 36px;
  font-weight: 600;
  color: var(--text-mid);
}

.section-title span { color: var(--gold); }

.services-grid {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  padding: 0 40px 48px;
}

.service-card {
  background: var(--bg-card);
  border-radius: 12px;
  width: 320px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  padding: 24px;
}

.service-card-img {
  height: 180px;
  overflow: hidden;
  border-radius: 12px;
  flex-shrink: 0;
}

.service-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.service-card-body {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.service-card h3 {
  font-size: 24px;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 1.2;
}

.service-card p {
  font-size: 16px;
  color: var(--text-body);
  line-height: 1.4;
}

.service-card .learn-more {
  font-size: 16px;
  font-weight: 500;
  color: var(--gold-dark); /* #946C00 = 4.77:1 on white — passes WCAG AA */
  text-decoration: none;
  display: inline-block;
}

.service-card .learn-more:hover { text-decoration: underline; }

/* ── SECTION: WHY CHOOSE US ── */
.why-section {
  padding: 32px 220px 64px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: center;
}

.why-header {
  text-align: center;
  height: 84px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-header h2 {
  font-size: 24px;
  font-weight: 500;
  color: var(--gold);
  line-height: 40px;
}

.why-grid {
  display: flex;
  gap: 32px;
  width: 100%;
}

.why-card {
  flex: 1;
  background: #fff;
  border: 1px solid #F1F5F9;
  border-radius: 32px;
  padding: 33px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.1);
}

.why-card-icon {
  width: 80px;
  height: 80px;
  object-fit: contain;
}

.why-card h3 {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 500;
  color: var(--text-heading);
  line-height: 28px;
}

.why-card p {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  color: #45556c;
  line-height: 26px;
}

/* ── SECTION: STATS / FIGURES ── */
.figures-section {
  background: #3d3d3d;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 96px;
  padding: 36px 10px;
  text-align: center;
}

.figure-item {
  width: 340px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: center;
}

.figure-number {
  font-size: 54px;
  font-weight: 700;
  color: var(--gold-bright);
  line-height: 1;
}

.figure-label {
  font-size: 24px;
  color: #CDCDCD;
  text-transform: uppercase;
  line-height: 1;
}

/* ── SUPPORT BAR ── */
.support-bar {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 8px;
  padding: 6px 16px;
}

.support-bar-text {
  background: #f9f9f9;
  border-radius: 32px;
  padding: 4px 20px;
  font-family: 'Roboto', sans-serif;
  font-size: 16px;
  font-weight: 500;
  color: var(--gold);
}

.support-bar-text span {
  font-weight: 700;
}

.support-bar-login {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 36px;
  padding: 4px 20px;
  border-radius: 32px;
  border: none;
  cursor: pointer;
  background: linear-gradient(-90deg, rgb(227,167,0) 0%, rgb(148,108,0) 100%);
  color: #f9f9f9;
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
}

/* ── LOGIN DROPDOWN ── */
.login-dropdown-wrap {
  position: relative;
}

.login-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  min-width: 200px;
  z-index: 999;
  overflow: hidden;
}

.login-dropdown.is-open {
  display: block;
}

.login-dropdown a {
  display: block;
  padding: 16px 20px;
  font-family: 'Roboto', sans-serif;
  font-size: 15px;
  color: #333;
  text-decoration: none;
  border-bottom: 1px solid #f1f1f1;
  transition: background 0.15s;
}

.login-dropdown a:last-child {
  border-bottom: none;
}

.login-dropdown a:hover {
  background: #f9f9f9;
}

/* ── WHY CHOOSE US — INLINE (Personal Auto) ── */
.why-inline-section {
  padding: 36px 80px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: flex-start;
}

.why-inline-section h2 {
  font-family: 'Lato', sans-serif;
  font-size: 30px;
  font-weight: 400;
  color: #040707;
  line-height: 1;
}

.why-inline-grid {
  display: flex;
  gap: 64px;
  width: 100%;
  align-items: center;
}

.why-inline-card {
  flex: 1;
  display: flex;
  gap: 16px;
  align-items: center;
}

.why-inline-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  color: var(--gold);
  flex-shrink: 0;
}

.why-inline-img {
  width: 64px;
  height: 64px;
  object-fit: contain;
  flex-shrink: 0;
}

.why-inline-text h3 {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: #040707;
  line-height: 1.2;
  margin-bottom: 6px;
}

.why-inline-text p {
  font-family: 'Lato', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
}

/* ── SECTION: WHERE WE DO BUSINESS ── */
.map-section { padding: 0 40px 0; }

.map-header {
  text-align: center;
  padding: 36px 0 12px;
}

.map-header h2 {
  font-size: 32px;
  font-weight: 500;
  color: var(--gold);
  line-height: 40px;
}

.map-container {
  background: #fff;
  border-radius: 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding-bottom: 0;
}

.map-container img.map-img {
  width: 100%;
  max-width: 1200px;
  display: block;
  margin-bottom: -8px;
}

.map-legend {
  display: flex;
  gap: 32px;
  align-items: center;
  justify-content: center;
  padding-top: 16px;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 500;
  color: #000;
}

.legend-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
}

.legend-dot.primary { background: #F99A0D; }
.legend-dot.excess  { background: #C1C1C1; }

/* ── SECTION: COVERAGE HIGHLIGHTS (Home Owners LP) ── */
.highlights-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 36px;
  justify-content: center;
  padding: 48px 40px;
}

.highlight-card {
  background: #fff;
  border-left: 5px solid var(--gold);
  border-radius: 18px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.15);
  width: 640px;
  overflow: hidden;
}

.highlight-card-body {
  border: 1px solid #F1F5F9;
  padding: 24px 36px 32px;
}

.highlight-card-header {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-bottom: 24px;
}

.highlight-icon {
  background: var(--gold);
  border-radius: 8px;
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #fff;
  font-size: 28px;
}

.highlight-card h3 {
  font-family: 'Roboto', sans-serif;
  font-size: 24px;
  font-weight: 500;
  color: #111;
  line-height: 1.5;
}

.highlight-card p {
  font-size: 16px;
  color: #3e3d3d;
  line-height: 1.5;
}

/* ── SECTION: AM BEST SUB-HEADER (Homeowners) ── */
.ambest-header {
  text-align: center;
  padding: 10px 40px 0;
  font-family: 'Roboto', sans-serif;
  font-size: 18px;
  font-weight: 500;
  color: #3e3d3d;
}

/* ── SECTION: EXPLORE ADDITIONAL PRODUCTS ── */
.explore-products {
  background: #f6f6f6;
  border-radius: 24px;
  margin: 48px 40px 0;
  padding: 50px 60px 24px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: center;
}

.explore-products-header { text-align: center; }

.explore-products-header h2 {
  font-family: 'Roboto', sans-serif;
  font-size: 32px;
  font-weight: 600;
  color: #333;
  line-height: 50px;
  margin-bottom: 8px;
}

.explore-products-header p {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  color: #45556c;
  line-height: 28px;
}

.explore-products-grid {
  display: flex;
  gap: 32px;
  align-items: stretch;
  justify-content: center;
  flex-wrap: wrap;
}

.explore-product-card {
  background: #fff;
  border: 2px solid var(--gold);
  border-radius: 50px;
  padding: 24px 32px;
  width: 360px;
  min-height: 152px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
  gap: 8px;
  text-decoration: none;
  transition: background 0.2s;
}

.explore-product-card:hover { background: #fdf8e1; }

.explore-product-card h4 {
  font-family: 'Roboto', sans-serif;
  font-size: 18px;
  font-weight: 600;
  color: #0f172b;
  line-height: 24px;
}

.explore-product-card p {
  font-family: 'Roboto', sans-serif;
  font-size: 16px;
  font-weight: 400;
  color: #333;
  line-height: 24px;
}

/* ── SECTION: ADDITIONAL COVERAGE (legacy) ── */
.coverage-wrap { padding: 0 40px 60px; }

.coverage-section {
  background: var(--bg-card);
  border-radius: 24px;
  padding: 50px 60px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  align-items: center;
}

.coverage-header { text-align: center; }

.coverage-header h2 {
  font-size: 32px;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 50px;
  margin-bottom: 8px;
}

.coverage-header p {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  color: var(--text-body);
  line-height: 28px;
}

.coverage-buttons {
  display: flex;
  gap: 32px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-outline-gold {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 4px;
  background: #fff;
  border: 2px solid var(--gold);
  border-radius: 9999px;
  padding: 16px 28px 16px 39px;
  width: 300px;
  font-size: 16px;
  color: var(--text-heading);
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s;
}

.btn-outline-gold:hover { background: #fdf8e1; }

.btn-outline-gold img {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

/* ── FOOTER ── */
footer {
  background: var(--bg-footer);
  border-radius: 36px 36px 0 0;
  margin-top: 100px;
  padding: 96px 36px 16px;
}

.footer-inner {
  max-width: 1440px;
  margin: 0 auto;
  display: flex;
  gap: 24px;
  align-items: flex-start;
  padding: 0 24px;
}

.footer-brand {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
  padding-right: 40px;
}

.footer-brand img {
  width: 147px;
  height: auto;
  image-rendering: -webkit-optimize-contrast;
  display: block;
}

.footer-brand p {
  font-size: 14px;
  color: #fff;
  line-height: 1.2;
  max-width: 384px;
}

.footer-col {
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-col h4 {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.45px;
  text-transform: uppercase;
  line-height: 28px;
  margin-bottom: 4px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col ul li a {
  font-size: 14px;
  color: #fff;
  text-decoration: none;
  line-height: 24px;
}

.footer-col ul li a:hover { color: var(--gold-bright); }

.footer-contact {
  flex-shrink: 0;
  width: 380px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-contact h4 {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.45px;
  text-transform: uppercase;
  line-height: 28px;
  margin-bottom: 4px;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.contact-icon-wrap {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon-wrap img {
  width: 20px;
  height: 20px;
}

.contact-text {
  font-size: 14px;
  color: #fff;
  line-height: 24px;
}

.footer-bottom {
  max-width: 1440px;
  margin: 33px auto 0;
  padding: 20px 24px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.footer-bottom p,
.footer-bottom a {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: #fff;
  text-decoration: none;
  line-height: 20px;
}

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

.footer-links { display: flex; gap: 24px; }

.footer-bottom-left {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-social { display: flex; gap: 16px; align-items: center; margin-top: 5px; }
.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.5);
  color: #fff;
  font-size: 15px;
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s;
}
.footer-social a:hover {
  border-color: var(--gold-bright);
  color: var(--gold-bright);
}

/* ── HAMBURGER BUTTON (hidden on desktop) ── */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 28px;
  height: 20px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
}

.hamburger span {
  display: block;
  height: 2px;
  width: 100%;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s ease;
}

.hamburger.open span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }

/* ── FOOTER COLUMN WIDTHS (desktop default) ── */
.footer-cols-row {
  display: flex;
  gap: 24px;
  flex-shrink: 0;
}
.footer-col { width: 176px; }
.footer-contact { width: 380px; }

/* ── PAGE HEADER (light nav — no hero image, e.g. Personal Auto) ── */
.page-header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid #ebebeb;
  box-shadow: 0 1px 4px rgba(0,0,0,0.08);
}

.page-header .nav-wrapper {
  position: static;
  background: transparent;
}

.page-header .nav-links a {
  color: #111;
}

.page-header .nav-links a:hover {
  color: var(--gold);
}

.page-header .btn-gold.nav-cta {
  background: #111;
  color: var(--gold-bright);
}

.page-header .hamburger span {
  background: #111;
}


/* ── PAGE MAIN BODY (rounded card wrapping banner + content, matches Figma) ── */
.page-main-body {
  border-radius: 24px;
  overflow: hidden;
  max-width: 1440px;
  margin: 36px auto 0;
}

/* Footer margin reset — page-main-body handles the top gap */
.page-main-body + footer { margin-top: 36px; }

/* ── LIGHT BANNER (Private Passenger Auto) ── */
.light-banner {
  background: #f6f6f6;
  padding: 36px 64px;
  display: flex;
  gap: 48px;
  align-items: center;
}

.light-banner-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.light-banner-title {
  font-family: 'Roboto', sans-serif;
  font-size: 42px;
  font-weight: 400;
  color: var(--gold);
  line-height: 1.15;
}

.light-banner-subtitle {
  font-size: 24px;
  color: #555;
  line-height: 1.4;
  padding: 12px 0;
}

.light-banner-image {
  position: relative;
  flex-shrink: 0;
  width: 560px;
  height: 360px;
}

.banner-photo {
  width: 373px;
  height: 288px;
  object-fit: cover;
  border-radius: 24px;
  position: absolute;
  top: 0;
  right: 0;
  display: block;
}

.dot-grid {
  position: absolute;
  left: 124px;
  top: 192px;
  width: 181px;
  height: 168px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24'%3E%3Crect x='0' y='0' width='8' height='8' rx='2' fill='%23ede085'/%3E%3C/svg%3E");
  background-size: 24px 24px;
}

/* ── QUOTE SECTION ── */
.quote-section {
  padding: 48px 40px 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 32px;
}

.quote-title {
  font-size: 24px;
  font-weight: 500;
  color: var(--gold);
  text-align: center;
}

.quote-form-wrap {
  width: 960px;
  max-width: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
  padding: 36px 24px;
  margin: 0 auto;
}

.form-question {
  font-size: 20px;
  color: #333;
  text-align: center;
  margin-bottom: 16px;
}

/* Remove any CF7 auto-injected breaks between form-question and form-fields */
.quote-form-wrap .wpcf7-form br { display: none; }

.form-fields {
  width: 520px;
  max-width: 100%;
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin: 0 auto;
}

.form-row { display: flex; gap: 16px; }

.form-field {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 4px;
  background: #fff;
  border: 1px solid #d8d8d8;
  border-radius: 5px;
  padding: 8px 16px;
  min-height: 60px;
  justify-content: center;
}

.form-field label {
  font-size: 12px;
  font-weight: 500;
  color: #444;
  display: block;
}

.form-field input,
.form-field textarea {
  font-size: 14px;
  color: #333;
  border: none;
  outline: none;
  background: transparent;
  padding: 0;
  font-family: 'Roboto', sans-serif;
  resize: none;
  width: 100%;
}

.form-field input::placeholder,
.form-field textarea::placeholder {
  color: #bbb;
}

.form-field textarea { height: 26px; }

.tcpa-box {
  width: 520px;
  max-width: 100%;
  background: #f1f1f1;
  padding: 12px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 16px;
  margin-left: auto;
  margin-right: auto;
}

.tcpa-box h4 {
  font-size: 13px;
  font-weight: 600;
  color: #000;
}

.tcpa-box p {
  font-size: 13px;
  color: #000;
  line-height: 1.5;
}

.form-cta {
  padding-top: 12px;
  display: flex;
  justify-content: center;
}

/* ── GRADIENT GOLD BUTTON (SPOT page) ── */
.btn-gold-gradient {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 12px 18px;
  border-radius: 36px;
  border: none;
  cursor: pointer;
  background: linear-gradient(-90deg, rgb(227,167,0) 0%, rgb(148,108,0) 100%);
  color: #fff;
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  min-width: 120px;
  text-align: center;
}

.btn-gold-gradient:hover { opacity: 0.9; }

/* ── SPOT: WHY CHOOSE US overrides (Lato Light 14px, muted text) ── */
.spot-why .why-card p {
  font-family: 'Lato', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
}

.spot-why .why-card h3 {
  color: #0f172b;
}

/* ── FA ICON PLACEHOLDER for why-card (used on SPOT page) ── */
.why-card-icon-fa {
  width: 80px;
  height: 80px;
  background: #f6f6f6;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
  color: var(--gold);
  flex-shrink: 0;
}

/* ── RADIO QUESTION (Become a Producer form) ── */
.radio-question {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 16px 0 4px;
}

.radio-label {
  font-size: 14px;
  font-weight: 500;
  color: #333;
}

.radio-group {
  display: flex;
  gap: 32px;
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: #333;
  cursor: pointer;
  user-select: none;
}

.radio-option input[type="radio"] {
  display: none;
}

.radio-custom {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid #ccc;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: border-color 0.2s;
}

.radio-custom::after {
  content: '';
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0;
  transition: opacity 0.2s;
}

.radio-option input[type="radio"]:checked ~ .radio-custom {
  border-color: var(--gold);
}

.radio-option input[type="radio"]:checked ~ .radio-custom::after {
  opacity: 1;
}

/* ── ACTION CARDS ── */
.action-cards-section {
  padding: 36px 40px;
  display: flex;
  gap: 64px;
  justify-content: center;
  flex-wrap: wrap;
}

.action-card {
  background: #f9f9f9;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  padding: 33px;
  width: 300px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  text-align: center;
}

.action-card-icon {
  background: #eee;
  border-radius: 50%;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  color: var(--gold);
}

.action-card h3 {
  font-size: 20px;
  font-weight: 500;
  color: #333;
  line-height: 28px;
  width: 100%;
}

/* ── NEED HELP BAR ── */
.need-help-bar {
  display: flex;
  align-items: center;
  gap: 20px;
  background: #f9f9f9;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  padding: 33px;
  min-width: 280px;
}

.need-help-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.need-help-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.need-help-title {
  font-family: 'Roboto', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: #333;
  margin-bottom: 4px;
}

.need-help-body {
  font-family: 'Roboto', sans-serif;
  font-size: 16px;
  color: #555;
}

/* ── PAGE BODY CONTENT ── */
.page-body-content {
  background: #f6f6f6;
  padding: 36px 40px;
  display: flex;
  justify-content: center;
}

.page-body-inner {
  max-width: 900px;
  font-family: 'Lato', sans-serif;
  font-weight: 400;
  font-size: 18px;
  color: #040707;
  line-height: 30px;
  text-align: center;
}

.page-body-inner p + p { margin-top: 30px; }

/* Footer margin when preceded by body-content section */
.page-body-content + footer { margin-top: 0; }

/* ── RESPONSIVE: LARGE TABLET (max 1200px) ── */
@media (max-width: 1200px) {
  .why-section { padding: 64px 60px; }
  .figures-section { gap: 48px; }
  .figure-item { width: auto; }
  .coverage-section { padding: 40px; }
}

/* ── RESPONSIVE: LARGE TABLET (max 1200px) — new page elements ── */
@media (max-width: 1200px) {
  .light-banner { padding: 36px 40px; }
  .light-banner-image { width: 460px; }
  .banner-photo { width: 300px; height: 240px; }
  .action-cards-section { gap: 32px; }

}

/* ── RESPONSIVE: TABLET (max 1024px) ── */
@media (max-width: 1024px) {
  /* Nav — switch to hamburger at 1024px */
  nav { gap: 0; padding: 0 24px; justify-content: space-between; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }

  .nav-links {
    display: none;
    position: absolute;
    top: 70px;
    left: 0; right: 0;
    background: rgba(4,7,7,0.97);
    flex-direction: column;
    align-items: center;
    gap: 0;
    padding: 16px 0;
    z-index: 200;
  }

  .nav-links.open { display: flex; }

  .nav-links li { width: 100%; text-align: center; }
  .nav-links a {
    display: block;
    padding: 14px 24px;
    font-size: 15px;
    border-bottom: 1px solid rgba(255,255,255,0.07);
  }
  .nav-links li:last-child a { border-bottom: none; }

  /* Light nav dropdown */
  .page-header .nav-links {
    background: #fff;
    border-bottom: 1px solid #ebebeb;
  }
  .page-header .nav-links a {
    color: #111;
    border-bottom-color: rgba(0,0,0,0.07);
  }

  .hero-title { font-size: 52px; }
  .hero-subtitle { font-size: 20px; }

  .section-header { padding: 0 24px !important; }
  .services-grid { padding: 0 24px 48px; }
  .service-card { width: calc(50% - 12px); max-width: 380px; }

  .why-section { padding: 48px 40px; }

  .figures-section { gap: 32px; }
  .figure-number { font-size: 44px; }
  .figure-label { font-size: 20px; }

  .map-section { padding: 0 24px 48px; }
  .coverage-wrap { padding: 0 24px 48px; }
  .coverage-section { padding: 40px 32px; }
  .coverage-header h2 { font-size: 26px; }

  .footer-inner { padding: 0 16px; gap: 20px; }
  .footer-col { width: 140px; }
  .footer-contact { width: 280px; }
  .footer-brand { padding-right: 20px; }

}

/* ── RESPONSIVE: TABLET PORTRAIT (max 768px) ── */
@media (max-width: 768px) {
  /* Light banner */
  .light-banner {
    flex-direction: column;
    padding: 36px 20px;
    gap: 24px;
    align-items: flex-start;
  }
  .light-banner-image { width: 100%; height: 280px; }
  .banner-photo { width: 280px; height: 220px; right: 0; top: 0; }
  .dot-grid { left: auto; right: 240px; top: 150px; width: 140px; height: 130px; }
  .light-banner-title { font-size: 34px; }
  .light-banner-subtitle { font-size: 18px; }

  /* Quote section */
  .quote-section { padding: 32px 20px; }
  .form-fields { width: 100%; }
  .tcpa-box { width: 100%; }

  /* Action cards */
  .action-cards-section { gap: 20px; padding: 32px 20px; flex-direction: column; align-items: center; }
  .action-card { width: 100%; max-width: 360px; }
  .need-help-bar { order: -1; width: 100%; max-width: 360px; padding: 24px 20px; }
  .need-help-title { white-space: nowrap; font-size: 18px; }
  .need-help-body { white-space: nowrap; font-size: 14px; }

  /* Body content */
  .page-body-content { padding: 32px 20px; }
  .page-body-inner { font-size: 16px; }

  /* Hero */
  .hero { height: auto; min-height: 480px; }
  .hero-content { padding: 100px 24px 48px; }
  .hero-title { font-size: 42px; }
  .hero-subtitle { font-size: 17px; }

  /* Services — 2 per row */
  .services-section { padding: 24px 0; }
  .section-header { padding: 0 20px !important; margin-bottom: 32px; }
  .section-label { font-size: 18px; }
  .section-title { font-size: 28px; }
  .services-grid { padding: 0 20px 36px; gap: 16px; }
  .service-card { width: calc(50% - 8px); }

  /* Coverage Highlights */
  .highlights-grid { padding: 32px 20px; gap: 20px; }
  .highlight-card { width: 100%; }

  /* Why Choose Us */
  .why-section { padding: 40px 20px; gap: 24px; }
  .why-grid { flex-direction: column; }
  .why-card { padding: 24px; }
  .why-card h3 { font-size: 18px; }
  .why-card p { font-size: 16px; }

  /* Figures */
  .figures-section { flex-wrap: wrap; gap: 28px; padding: 40px 20px; }
  .figure-item { width: calc(50% - 14px); min-width: 140px; }
  .figure-number { font-size: 40px; }
  .figure-label { font-size: 16px; }

  /* Map */
  .map-section { padding: 0 16px 36px; }
  .map-header h2 { font-size: 26px; }
  .legend-dot { width: 20px; height: 20px; }

  /* Coverage */
  .coverage-wrap { padding: 0 16px 40px; }
  .coverage-section { padding: 32px 20px; gap: 24px; }
  .coverage-header h2 { font-size: 22px; line-height: 1.3; }
  .coverage-header p { font-size: 15px; }
  .coverage-buttons { flex-direction: column; align-items: stretch; gap: 16px; }
  .btn-outline-gold { width: 100%; max-width: 400px; margin: 0 auto; }

  /* Footer */
  footer { margin-top: 60px; padding: 48px 20px 16px; border-radius: 24px 24px 0 0; }

  .footer-inner {
    flex-direction: column;
    gap: 28px;
    padding: 0;
  }

  .footer-brand {
    flex: none;
    width: 100%;
    padding-right: 0;
    gap: 12px;
    align-items: center;
    text-align: center;
  }

  .footer-brand p { max-width: 100%; }

  .footer-cols-row {
    width: 100%;
    gap: 16px;
    justify-content: center;
  }

  .footer-col {
    width: calc(50% - 8px);
    flex-shrink: 0;
    text-align: center;
    align-items: center;
  }

  .footer-col ul { align-items: center; }

  .footer-contact {
    flex-shrink: 0;
    width: 100%;
    align-items: center;
  }

  .footer-contact h4 { text-align: center; }

  .contact-item { justify-content: center; }

  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; margin-top: 8px; }
  .footer-links { justify-content: center; }

  .why-inline-section { padding: 36px 20px; }
  .why-inline-grid { flex-direction: column; gap: 24px; }
}

/* ── CONTACT PAGE: GRID SECTION ── */
.contact-grid-section {
  padding: 56px 80px;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px 80px;
}

.contact-grid-item {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* icon + title + arrow on one horizontal line */
.contact-grid-header {
  display: flex;
  align-items: center;
  gap: 14px;
}

.contact-grid-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-grid-icon img {
  width: 56px;
  height: 56px;
  object-fit: contain;
}

.contact-grid-title-row {
  display: block; /* arrow sits inline after text, never drifts right */
}

.contact-grid-item h3 {
  font-family: 'Lato', sans-serif;
  font-size: 26px;
  font-weight: 700;
  color: #040707;
  line-height: 1.2;
  display: inline;
}

.contact-grid-arrow {
  width: 18px;
  height: 18px;
  display: inline-block;
  vertical-align: middle;
  margin-left: 6px;
  position: relative;
  top: -2px;
}

/* email rows — indented to align under the title */
.contact-email-group {
  padding-left: 70px; /* icon(56) + gap(14) */
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.contact-email-entry {
  display: flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 4px;
}

.contact-email-label {
  font-family: 'Lato', sans-serif;
  font-size: 13px;
  font-weight: 400;
  color: #555;
  line-height: 1.5;
  white-space: nowrap;
}

.contact-email-link {
  font-family: 'Lato', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: #d5ae04;
  text-decoration: none;
  line-height: 1.5;
}

.contact-email-link:hover { text-decoration: underline; }

/* ── CONTACT PAGE: FORM CARD SECTION ── */
.contact-form-section {
  background: #fafafa;
  padding: 64px 300px;
  display: flex;
  justify-content: center;
}

.contact-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 4px 3px 14px rgba(0,0,0,0.22);
  padding: 32px 36px;
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact-card-header {
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}

.contact-card-header h3 {
  font-family: 'Lato', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: #040707;
  white-space: nowrap;
  flex-shrink: 0;
}

.contact-card-header p {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: #000;
  line-height: 30px;
}

/* Individual contact form fields — taller, Lato 18px */
.contact-form-field {
  background: #fff;
  border: 1px solid #dedede;
  border-radius: 7px;
  padding: 8px 16px;
  height: 76px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 2px;
  width: 100%;
}

.contact-form-field label {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: #000;
  line-height: 30px;
  display: block;
}

.contact-form-field input,
.contact-form-field select {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  color: #040707;
  border: none;
  outline: none;
  background: transparent;
  padding: 0;
  width: 100%;
  appearance: none;
}

.contact-form-field input::placeholder {
  color: #7d8a8a;
}

.contact-form-field select {
  cursor: pointer;
  color: #7d8a8a;
}

.contact-form-field select.has-value { color: #040707; }

.contact-form-field-message {
  height: 102px;
  justify-content: flex-start;
  padding-top: 12px;
}

.contact-form-field textarea {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  color: #7d8a8a;
  border: none;
  outline: none;
  background: transparent;
  padding: 0;
  width: 100%;
  resize: none;
  flex: 1;
}

/* Type field chevron */
.contact-field-select-wrap {
  display: flex;
  align-items: center;
  width: 100%;
}

.contact-field-select-wrap select {
  flex: 1;
}

.contact-field-chevron {
  color: #555;
  font-size: 12px;
  pointer-events: none;
  flex-shrink: 0;
}

.contact-form-fields {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

/* ── RESPONSIVE: MOBILE (max 480px) ── */
@media (max-width: 480px) {
  .form-row { flex-direction: column; }
  .light-banner-title { font-size: 28px; }
  .light-banner-subtitle { font-size: 16px; }
  .hero-title { font-size: 34px; }
  .hero-subtitle { font-size: 15px; }

  /* Services — 1 per row */
  .service-card { width: 100%; }
  .services-grid { padding: 0 16px 32px; }

  /* Figures — stack to 1 column */
  .figure-item { width: 100%; }
  .figure-number { font-size: 44px; }

  /* Why */
  .why-section { padding: 32px 16px; }

  .footer-bottom { padding-top: 16px; }

}

/* ── LICENSES PAGE ── */

.light-banner--title-only {
  padding: 28px 64px;
  align-items: center;
}

.light-banner--title-only .light-banner-text {
  padding: 0;
}

.licenses-section {
  padding: 48px 220px 32px;
}

.licenses-grid {
  display: flex;
  flex-direction: column;
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}

.licenses-row {
  display: flex;
  gap: 48px;
}

.license-card {
  background: #fff;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.1);
  padding: 33px;
  flex: 1;
}

.license-card-title {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 400;
  color: #445959;
  line-height: 24px;
  margin-bottom: 8px;
}

.license-card-list p {
  font-family: 'Lato', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
}

.license-card--disclaimer p {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #040707;
  line-height: 1.6;
}

.license-card--disclaimer p + p {
  margin-top: 8px;
}

/* ── ABOUT US PAGE ── */

.about-body-section {
  padding: 56px 220px;
}

.about-text-card {
  background: #fff;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.1);
  padding: 33px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.about-text-card p {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: #040707;
  line-height: 30px;
}

.about-highlights-section {
  display: flex;
  flex-wrap: wrap;
  gap: 36px;
  justify-content: center;
  padding: 48px 0;
}

.about-highlight-card {
  background: #fff;
  border-left: 5px solid #ae9a00;
  border-radius: 18px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.15);
  overflow: hidden;
  width: calc(50% - 18px);
  min-width: 560px;
  max-width: 640px;
  flex-shrink: 0;
}

.about-highlight-body {
  padding: 24px 36px 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.about-highlight-header {
  display: flex;
  align-items: center;
  gap: 24px;
}

.about-highlight-icon {
  background: #ae9a00;
  border-radius: 8px;
  padding: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.about-highlight-icon i {
  font-size: 40px;
  color: #fff;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.about-highlight-title {
  font-family: 'Roboto', sans-serif;
  font-size: 24px;
  font-weight: 500;
  color: #111;
  line-height: 1.5;
  flex: 1;
}

.about-highlight-desc {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: #000;
  line-height: 30px;
  padding-top: 24px;
  padding-bottom: 8px;
}

/* ── CONTACT PAGE RESPONSIVE (placed after base styles so overrides work) ── */

@media (max-width: 1200px) {
  .contact-grid-section { padding: 48px 40px; }
  .contact-grid { gap: 40px 48px; }
  .contact-form-section { padding: 48px 120px; }
}

@media (max-width: 1024px) {
  .contact-grid-section { padding: 40px 24px; }
  .contact-grid { gap: 32px 40px; }
  .contact-grid-item h3 { font-size: 22px; }
  .contact-form-section { padding: 40px 60px; }
  .contact-card { padding: 28px 24px; }
}

@media (max-width: 768px) {
  /* Contact grid — keep 2 cols but tighter */
  .contact-grid-section { padding: 36px 24px; }
  .contact-grid { grid-template-columns: 1fr 1fr; gap: 32px 24px; }
  .contact-email-group { padding-left: 70px; }
  .contact-grid-item h3 { font-size: 18px; }
  .contact-form-section { padding: 36px 20px; }
  .contact-card { padding: 24px 20px; }
  .contact-card-header { flex-direction: column; gap: 4px; align-items: flex-start; }
  .contact-card-header p { font-size: 15px; line-height: 1.4; }
  .contact-form-field { height: auto; min-height: 70px; }
  .contact-form-field label { font-size: 15px; }
  .contact-form-field input,
  .contact-form-field select,
  .contact-form-field textarea { font-size: 15px; }
  .contact-form-field-message { min-height: 90px; }
}

@media (max-width: 480px) {
  /* Contact grid — single column, centered */
  .contact-grid-section { padding: 28px 20px; }
  .contact-grid { grid-template-columns: 1fr; gap: 28px; max-width: 440px; margin: 0 auto; }
  .contact-email-group { padding-left: 70px; }
  .contact-grid-icon img { width: 44px; height: 44px; }
  .contact-grid-item h3 { font-size: 18px; }
  .contact-grid-arrow { width: 16px; height: 16px; }
  .contact-email-label { font-size: 13px; }
  .contact-email-link { font-size: 13px; }
  .contact-form-section { padding: 28px 16px; }
  .contact-card { padding: 20px 16px; gap: 12px; }
  .contact-card-header h3 { font-size: 18px; }
  .contact-form-field { min-height: 64px; padding: 8px 12px; }
  .contact-form-field label { font-size: 14px; line-height: 1.4; }
  .contact-form-field input,
  .contact-form-field select,
  .contact-form-field textarea { font-size: 14px; }
}

/* ── ABOUT US PAGE RESPONSIVE ── */

@media (max-width: 1200px) {
  .about-body-section { padding: 48px 80px; }
  .about-highlights-section { padding: 40px 20px; gap: 24px; }
  .about-highlight-card { min-width: 480px; }
}

@media (max-width: 1024px) {
  .about-body-section { padding: 40px 60px; }
  .about-highlights-section { padding: 36px 20px; gap: 20px; }
  .about-highlight-card { min-width: 420px; }
}

@media (max-width: 768px) {
  .about-body-section { padding: 32px 24px; }
  .about-text-card { padding: 24px; border-radius: 20px; }
  .about-text-card p { font-size: 16px; line-height: 26px; }
  .about-highlights-section { padding: 28px 20px; gap: 20px; flex-direction: column; align-items: stretch; }
  .about-highlight-card { width: 100%; min-width: unset; max-width: 100%; }
  .about-highlight-body { padding: 20px 24px 24px; }
  .about-highlight-icon i { font-size: 32px; width: 32px; height: 32px; }
  .about-highlight-title { font-size: 20px; }
  .about-highlight-desc { font-size: 16px; line-height: 26px; padding-top: 16px; }
}

@media (max-width: 480px) {
  .about-body-section { padding: 24px 16px; }
  .about-text-card { padding: 20px 16px; border-radius: 16px; }
  .about-text-card p { font-size: 15px; line-height: 24px; }
  .about-highlights-section { padding: 24px 16px; gap: 16px; }
  .about-highlight-body { padding: 16px 20px 20px; }
  .about-highlight-icon { padding: 10px; }
  .about-highlight-icon i { font-size: 28px; width: 28px; height: 28px; }
  .about-highlight-title { font-size: 18px; }
  .about-highlight-desc { font-size: 15px; line-height: 24px; }
}

/* ── PRIVACY POLICY PAGE ── */

.privacy-section {
  padding: 48px 120px 16px;
}

.privacy-card {
  background: #fff;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.1);
  padding: 48px 56px;
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
}

.privacy-card p {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
  margin: 0;
}

.privacy-card strong {
  font-weight: 700;
  color: #2b3a3a;
}

/* Numbered section titles e.g. "1. ACCEPTANCE OF TERMS" */
.privacy-card .tos-section {
  font-size: 15px;
  font-weight: 800;
  color: #1a2a2a;
  letter-spacing: 0.02em;
}

/* Sub-headings e.g. "No Insurance Contract or Binder" */
.privacy-card .tos-sub {
  font-size: 14px;
  font-weight: 700;
  color: #2b3a3a;
}

/* Standalone heading paragraphs — tighten line-height */
.privacy-card p.tos-heading-p {
  line-height: 1.2;
}

.privacy-card ul {
  margin: 0;
  padding-left: 22px;
  list-style: disc;
}

.privacy-card ul li {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
}

.privacy-card a {
  color: #445959;
  text-decoration: underline;
}

.privacy-card a:hover {
  color: var(--gold);
}

/* ── CALIFORNIA TAB FORMATTING ── */

/* Main section banners (CCPA/CPRA, California Insurance) */
#tab-panel-ca p > strong.tos-section {
  display: block;
  background: #f4f6f6;
  border-left: 4px solid var(--gold);
  padding: 10px 14px;
  border-radius: 0 6px 6px 0;
  font-size: 13px;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
}

/* Space above paragraphs that open a new sub-section */
#tab-panel-ca p:has(strong.tos-sub) {
  margin-top: 20px;
}

/* Sub-heading style in CA tab */
#tab-panel-ca strong.tos-sub {
  font-size: 13px;
  font-weight: 700;
  color: #1a2a2a;
}

/* Lists in CA tab */
#tab-panel-ca ul {
  margin-top: 4px;
  margin-bottom: 4px;
}

#tab-panel-ca ul li {
  line-height: 1.7;
}

/* Divider between the two major sections */
#tab-panel-ca .ca-section-divider {
  border: none;
  border-top: 1px solid #e2e8f0;
  margin: 28px 0 20px;
}

/* Contact block at the bottom */
#tab-panel-ca .ca-contact-block {
  background: #f8fafa;
  border-radius: 10px;
  padding: 16px 20px;
  margin-top: 24px;
  font-size: 13px;
  line-height: 1.8;
}

#tab-panel-ca .ca-contact-block strong {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: #1a2a2a;
  margin-bottom: 6px;
}

/* ── PRIVACY POLICY TABS ── */
.pp-tab-nav {
  display: flex;
  gap: 0;
  border-bottom: 2px solid #e2e8f0;
  margin-bottom: 28px;
}

.pp-tab-btn {
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  padding: 10px 28px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: #5f7070;         /* was #8a9999 — darkened to meet WCAG 2.1 AA (5.20:1 on white) */
  cursor: pointer;
  transition: color 0.2s, border-color 0.2s;
  letter-spacing: 0.02em;
}

.pp-tab-btn:hover {
  color: #2b3a3a;
}

.pp-tab-btn.pp-active {
  color: #1a2a2a;
  border-bottom-color: var(--gold);
}

.pp-tab-panel {
  display: none;
}

.pp-tab-panel.pp-active {
  display: block;
}

/* ── GLBA FEDERAL NOTICE — "Nutrition Label" Format ── */

.glba-notice {
  font-family: 'Inter', Arial, sans-serif;
  font-size: 13px;
  color: #222;
  line-height: 1.5;
  border: 1px solid #bbb;
  border-radius: 4px;
  overflow: hidden;
}

/* Shared table base — all GLBA tables share this */
.glba-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  color: #222;
}

.glba-table td,
.glba-table th {
  padding: 9px 12px;
  border: 1px solid #bbb;
  vertical-align: top;
  line-height: 1.5;
}

/* ── Main table: FACTS header row + Why/What/How rows ── */
/* Column 1 is fixed so FACTS badge, Why?, What?, How? all align */
.glba-main-table {
  border: none; /* outer border comes from .glba-notice */
}

.glba-main-table td {
  border-color: #bbb;
}

/* FACTS cell (header row, col 1) */
.glba-facts-cell {
  background: #555;
  color: #fff;
  font-size: 22px;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-align: center;
  vertical-align: middle !important;
  width: 90px;
  white-space: nowrap;
}

/* Title cell (header row, col 2) */
.glba-title-cell {
  padding: 10px 14px;
  vertical-align: middle !important;
}

.glba-rev {
  font-size: 11px;
  color: #666;
  text-align: right;
  display: block;
  margin-bottom: 6px;
}

.glba-title {
  font-size: 14px;
  font-weight: 800;
  text-transform: uppercase;
  color: #111;
  line-height: 1.3;
  margin: 0;
}

/* Why? / What? / How? label cells */
.glba-label {
  background: #767676;    /* was #888 — darkened to meet WCAG 2.1 AA (4.54:1 white on bg) */
  color: #fff;
  font-weight: 700;
  font-size: 13px;
  text-align: center;
  vertical-align: middle !important;
  width: 90px;
  white-space: nowrap;
}

.glba-main-table ul {
  margin: 6px 0 0 0;
  padding-left: 20px;
}

.glba-main-table ul li {
  line-height: 1.5;
}

/* ── Sharing table ── */
.glba-share-table th {
  background: #767676;
  color: #fff;
  font-weight: 700;
  text-align: center;
  font-size: 12px;
  white-space: nowrap;
}

.glba-share-table th:first-child {
  text-align: left;
  white-space: normal;
}

.glba-share-table th:nth-child(2),
.glba-share-table td:nth-child(2) {
  width: 140px;
  text-align: center;
}

.glba-share-table th:nth-child(3),
.glba-share-table td:nth-child(3) {
  width: 175px;
  text-align: center;
}

/* ── "To limit our sharing" row ── */
.glba-limit-row {
  display: flex;
  align-items: stretch;
  border-top: 1px solid #bbb;
}

.glba-limit-badge {
  background: #555;
  color: #fff;
  font-weight: 800;
  font-size: 13px;
  padding: 14px 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  width: 110px;
  flex-shrink: 0;
  line-height: 1.3;
}

.glba-limit-content {
  flex: 1;
  padding: 10px 14px;
  background: #fff;
  border-left: 1px solid #bbb;
}

.glba-limit-content ul {
  list-style: none;
  margin: 0 0 8px 0;
  padding: 0;
}

.glba-limit-content ul li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  line-height: 1.5;
  margin-bottom: 4px;
}

.glba-limit-content ul li::before {
  content: '☐';
  font-size: 14px;
  flex-shrink: 0;
  margin-top: 1px;
}

.glba-limit-note {
  font-size: 12px;
  color: #444;
  border-top: 1px solid #ddd;
  padding-top: 8px;
  margin-top: 4px;
}

/* ── Section headers: "Who we are", "What we do", "Definitions" ── */
.glba-section-header {
  background: #767676;
  color: #fff;
  font-weight: 700;
  font-size: 13px;
  padding: 7px 12px;
  border-top: 1px solid #bbb;
}

.glba-two-col-table .glba-row-label {
  font-weight: 700;
  color: #111;
  width: 200px;
  vertical-align: top;
  background: #f4f4f4;
}

.glba-two-col-table ul {
  margin: 6px 0 0 0;
  padding-left: 20px;
}

.glba-two-col-table ul li {
  line-height: 1.5;
}

/* Other important information — state blocks (CA tab) */
.pp-state-block {
  background: #f8fafa;
  border-left: 3px solid var(--gold);
  padding: 12px 16px;
  margin-top: 8px;
  border-radius: 0 6px 6px 0;
  font-size: 13px;
  line-height: 1.6;
  color: #445959;
}

.pp-state-block strong {
  display: block;
  margin-bottom: 4px;
  color: #2b3a3a;
}

/* Inside the GLBA notice, state blocks are plain — no gold border */
.glba-notice .pp-state-block {
  background: none;
  border-left: none;
  border-radius: 0;
  padding: 0;
  margin-top: 0;
  border-bottom: 1px solid #e8e8e8;
  padding-bottom: 12px;
}

.glba-notice .pp-state-block:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.pp-other-info-heading {
  font-size: 14px;
  font-weight: 800;
  color: #1a2a2a;
  letter-spacing: 0.02em;
  margin-top: 24px;
  margin-bottom: 8px;
  display: block;
}

/* Section heading used in CA tab */
.pp-section-heading {
  font-size: 14px;
  font-weight: 800;
  color: #1a2a2a;
  letter-spacing: 0.02em;
  margin-top: 20px;
  margin-bottom: 4px;
  display: block;
}

/* ── LICENSES PAGE RESPONSIVE ── */

@media (max-width: 1200px) {
  .licenses-section { padding: 48px 80px; }
}

@media (max-width: 1024px) {
  .licenses-section { padding: 40px 40px; }
  .licenses-row { gap: 24px; }
}

@media (max-width: 768px) {
  .licenses-section { padding: 32px 24px; }
  .licenses-row { flex-direction: column; gap: 20px; }
  .license-card { border-radius: 20px; padding: 24px; }
  .license-card-title { font-size: 18px; }
}

@media (max-width: 480px) {
  .licenses-section { padding: 24px 16px; }
  .license-card { border-radius: 16px; padding: 20px 16px; }
}

/* ── COMMERCIAL AUTO PAGE ── */

.fleet-section {
  padding: 40px 220px 0;
}

.fleet-card {
  background: #fff;
  border: 1px solid #f1f5f9;
  border-radius: 32px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.1);
  padding: 33px;
  max-width: 1200px;
  margin: 0 auto;
}

.fleet-card h3 {
  font-family: 'Roboto', sans-serif;
  font-size: 24px;
  font-weight: 600;
  color: #333;
  line-height: 20px;
  margin-bottom: 8px;
}

.fleet-card p {
  font-family: 'Lato', sans-serif;
  font-size: 14px;
  font-weight: 300;
  color: #445959;
  line-height: 24px;
  margin: 0;
}

/* ── PRIVACY POLICY PAGE RESPONSIVE ── */

@media (max-width: 1200px) {
  .privacy-section { padding: 48px 60px 40px; }
}

@media (max-width: 1024px) {
  .privacy-section { padding: 40px 32px 32px; }
  .privacy-card { padding: 40px 44px; }
}

@media (max-width: 768px) {
  .privacy-section { padding: 32px 20px 28px; }
  .privacy-card { border-radius: 20px; padding: 32px 28px; }
}

@media (max-width: 480px) {
  .privacy-section { padding: 20px 12px 24px; }
  .privacy-card { border-radius: 16px; padding: 24px 18px; }
}

/* ── PRIVACY POLICY TABS — RESPONSIVE ── */
@media (max-width: 768px) {
  .pp-tab-btn {
    padding: 8px 16px;
    font-size: 13px;
  }

  /* Main table: shrink FACTS badge + label column */
  .glba-facts-cell {
    font-size: 16px;
    width: 70px;
    padding: 10px 8px;
  }

  .glba-label {
    width: 70px;
    font-size: 12px;
    padding: 8px 6px;
  }

  /* Two-col tables: stack label above content */
  .glba-two-col-table tr {
    display: block;
  }

  .glba-two-col-table td {
    display: block;
    width: 100% !important;
  }

  .glba-two-col-table .glba-row-label {
    border-bottom: none;
    padding-bottom: 4px;
  }

  /* Limit / Questions badge: shrink slightly */
  .glba-limit-badge {
    width: 90px;
    font-size: 12px;
    padding: 12px 8px;
  }

  /* Sharing table: horizontal scroll on tablet — headers stay visible */
  .glba-scroll-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-top: 1px solid #bbb;
  }

  .glba-scroll-wrap .glba-share-table {
    min-width: 520px;
  }
}

/* ── Sharing table: fixed-layout with visible headers on phones ── */
@media (max-width: 540px) {
  .glba-scroll-wrap {
    overflow-x: visible;
  }

  .glba-scroll-wrap .glba-share-table {
    min-width: 0;
    table-layout: fixed;
    width: 100%;
  }

  /* Column widths: reason takes the bulk, the two answer cols share the rest */
  .glba-share-table th:nth-child(1),
  .glba-share-table td:nth-child(1) {
    width: 52%;
  }

  .glba-share-table th:nth-child(2),
  .glba-share-table td:nth-child(2) {
    width: 24%;
  }

  .glba-share-table th:nth-child(3),
  .glba-share-table td:nth-child(3) {
    width: 24%;
  }

  /* Allow header text to wrap and tighten padding */
  .glba-share-table th {
    white-space: normal;
    font-size: 11px;
    padding: 7px 6px;
    line-height: 1.3;
  }

  .glba-share-table td {
    font-size: 12px;
    padding: 7px 6px;
  }
}

@media (max-width: 480px) {
  /* Stack limit/questions rows vertically */
  .glba-limit-row {
    flex-direction: column;
  }

  .glba-limit-badge {
    width: 100%;
    padding: 8px 12px;
    text-align: left;
  }

  .glba-limit-content {
    border-left: none;
    border-top: 1px solid #bbb;
  }

  /* Tighten FACTS/label column further */
  .glba-facts-cell {
    font-size: 13px;
    width: 58px;
    letter-spacing: 0;
    padding: 8px 6px;
  }

  .glba-label {
    width: 55px;
    font-size: 11px;
    padding: 7px 5px;
  }

  .glba-title {
    font-size: 12px;
  }

  .glba-section-header {
    font-size: 12px;
  }

  /* Tabs: fill full width */
  .pp-tab-btn {
    flex: 1;
    text-align: center;
    padding: 8px 6px;
    font-size: 12px;
  }
}

/* Commercial Auto — highlight cards aligned with fleet section (same 220px horizontal padding) */
.commercial-highlights-section {
  padding: 48px 220px;
  justify-content: flex-start;
}

.commercial-highlights-section .about-highlight-card {
  flex: 1;
  width: auto;
  min-width: 0;
  max-width: none;
}

/* ── COMMERCIAL AUTO PAGE RESPONSIVE ── */

@media (max-width: 1200px) {
  .fleet-section { padding: 40px 80px 0; }
  .commercial-highlights-section { padding: 48px 80px; }
}

@media (max-width: 1024px) {
  .fleet-section { padding: 32px 40px 0; }
  .commercial-highlights-section { padding: 40px 40px; }
}

@media (max-width: 768px) {
  .fleet-section { padding: 28px 24px 0; }
  .fleet-card { border-radius: 20px; padding: 24px; }
  .fleet-card h3 { font-size: 20px; }
  .commercial-highlights-section { padding: 32px 24px; flex-direction: column; }
  .commercial-highlights-section .about-highlight-card { width: 100%; }
}

@media (max-width: 480px) {
  .fleet-section { padding: 24px 16px 0; }
  .fleet-card { border-radius: 16px; padding: 20px 16px; }
  .commercial-highlights-section { padding: 24px 16px; }
}

/* ── CONTACT FORM 7 — CONTACT PAGE TEXTAREA HEIGHT FIX ── */
/* CF7 defaults to rows="10"; constrain it to fit the .contact-form-field-message container */
.contact-form-field-message .wpcf7-textarea {
  height: 60px;
  resize: none;
  overflow-y: auto;
}

/* ── CONTACT FORM 7 — CONTACT PAGE SELECT ARROW ── */
.contact-form-field .wpcf7-select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23555' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 32px;
  cursor: pointer;
}

/* ── CONTACT FORM 7 — CONSTRAIN TEXTAREA INSIDE SINGLE-LINE FORM FIELDS ── */
/* Prevents [textarea] tags used for single-line fields (e.g. Number of Locations)
   from expanding the form-field box to their default multi-row height */
.form-field .wpcf7-textarea,
.form-field textarea {
  height: 24px !important;
  min-height: 0 !important;
  resize: none;
  overflow: hidden;
}

/* ── CONTACT FORM 7 — RADIO BUTTON STYLING ── */
/* CF7 radio doesn't output .radio-custom span — style the input directly */
.radio-group .wpcf7-radio {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 32px;
}

.radio-group .wpcf7-list-item {
  margin: 0;
}

.radio-group .wpcf7-list-item label {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: 14px;
  color: #333;
  user-select: none;
}

.radio-group .wpcf7-list-item input[type="radio"] {
  display: block;
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid #ccc;
  background: #fff;
  cursor: pointer;
  flex-shrink: 0;
  transition: border-color 0.2s;
  margin: 0;
}

.radio-group .wpcf7-list-item input[type="radio"]:checked {
  border-color: var(--gold);
  background: radial-gradient(circle, var(--gold) 45%, #fff 45%);
}

/* ── CONTACT FORM 7 OVERRIDES ── */

/* Remove default CF7 outer wrapper margin/padding; force full width so
   flex align-items:center on the parent doesn't collapse the form */
.quote-form-wrap .wpcf7,
.quote-section .wpcf7 { margin: 0; padding: 0; width: 100%; }

.quote-form-wrap .wpcf7-form,
.quote-section .wpcf7-form { width: 100%; }

/* Remove default CF7 paragraph margins inside quote form */
.quote-form-wrap .wpcf7-form p,
.quote-section .wpcf7-form p { margin: 0; }

/* Hide CF7 auto-injected line breaks */
.quote-form-wrap .wpcf7-form br,
.quote-section .wpcf7-form br { display: none; }

/* Center the submit button */
.quote-form-wrap .wpcf7-form .form-cta,
.quote-section .wpcf7-form .form-cta {
  display: flex;
  justify-content: center;
  padding-top: 12px;
}

/* Fallback: if CF7 auto-p wraps submit in a <p>, center that too */
.quote-form-wrap .wpcf7-form > p:last-of-type,
.quote-section .wpcf7-form > p:last-of-type {
  display: flex;
  justify-content: center;
}

/* Pull CF7's ajax-loader out of flow so it doesn't push the submit button off-center */
.quote-form-wrap .ajax-loader,
.quote-section .ajax-loader {
  position: absolute;
  bottom: -40px;
  left: 50%;
  transform: translateX(-50%);
}

/* The submit button's parent needs relative positioning for the loader */
.quote-form-wrap .wpcf7-form p:has(.wpcf7-submit),
.quote-section .wpcf7-form p:has(.wpcf7-submit),
.quote-form-wrap .wpcf7-form .form-cta,
.quote-section .wpcf7-form .form-cta {
  position: relative;
  display: flex !important;
  justify-content: center !important;
}

/* Match submit input to btn-gold-gradient styling */
.quote-form-wrap .wpcf7-submit,
.quote-section .wpcf7-submit {
  cursor: pointer;
  border: none;
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.5px;
}

/* ── RESPONSIVE: Become a Producer / Quote Form — TABLET (max 768px) ── */
@media (max-width: 768px) {
  /* Stack two-column form rows */
  .form-row { flex-direction: column; }

  /* Reset any inline flex shorthand on form fields — flex-basis becomes HEIGHT
     in a column context, so an inline flex:0 0 252px would make the field 252px tall */
  .form-row .form-field {
    flex: 1 1 auto !important;
    width: 100% !important;
    max-width: 100% !important;
    min-height: 60px;
  }

  /* Tighten quote form wrap padding */
  .quote-form-wrap { padding: 24px 16px; gap: 16px; }

  /* Ensure form fields and TCPA box fill full width */
  .form-fields { width: 100%; }
  .tcpa-box { width: 100%; }

  /* Radio options already flex-wrap; tighten gap on smaller screens */
  .radio-group .wpcf7-radio { gap: 12px 24px; }

  /* Radio question top padding */
  .radio-question { padding-top: 8px; }
}

/* ── RESPONSIVE: Become a Producer / Quote Form — MOBILE (max 480px) ── */
@media (max-width: 480px) {
  /* Full-width submit button for easy tapping */
  .quote-form-wrap .wpcf7-form .form-cta,
  .quote-form-wrap .wpcf7-form > p:last-of-type,
  .quote-section .wpcf7-form .form-cta,
  .quote-section .wpcf7-form > p:last-of-type {
    display: flex !important;
    justify-content: center !important;
    text-align: center;
    width: 100%;
  }

  .quote-form-wrap .wpcf7-submit,
  .quote-section .wpcf7-submit,
  .form-cta .btn-gold-gradient {
    width: calc(100% - 40px) !important;
    max-width: 320px !important;
    display: block !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }

  /* Tighten quote section padding */
  .quote-section { padding: 24px 16px; }

  /* Radio gap smallest */
  .radio-group .wpcf7-radio { gap: 10px 20px; }

  /* TCPA box text size */
  .tcpa-box h4 { font-size: 12px; }
  .tcpa-box p  { font-size: 12px; }
}


/* ═══════════════════════════════════════════════════════════════
   QUOTE WIZARD PAGE
   ═══════════════════════════════════════════════════════════════ */

/* ── Page shell ── */
.qw-body { overflow-x: hidden; }

.qw-page {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

/* ── Full-page background image + overlay ── */
.qw-bg {
  position: fixed;
  inset: 0;
  z-index: -1;
}

.qw-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.qw-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.53);
}

/* ── Transparent nav ── */
.qw-header {
  position: relative;
  z-index: 100;
}

.qw-nav-wrapper {
  background: transparent;
  position: relative;
}

.qw-nav-wrapper nav {
  display: flex;
  align-items: center;
  gap: 96px;
  height: 70px;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 40px;
}

.qw-nav-wrapper .nav-links a { color: #fff; }
.qw-nav-wrapper .nav-links a:hover { color: var(--gold-bright); }

/* ── Content area (sits above fixed bg) ── */
.qw-content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 32px 24px 64px;
  gap: 24px;
  flex: 1;
}

/* ── Hero text ── */
.qw-banner {
  text-align: center;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding-bottom: 8px;
}

.qw-insurance-type {
  font-family: 'Roboto', sans-serif;
  font-weight: 300;
  font-size: 24px;
  color: #fff;
  margin: 0;
}

.qw-page-title {
  font-family: 'Roboto', sans-serif;
  font-weight: 400;
  font-size: 40px;
  color: #fff;
  margin: 0;
}

/* ── Footer: dark, sits below the fixed bg ── */
.qw-body footer {
  position: relative;
  z-index: 1;
  margin-top: 0;
}

/* ── Wizard card ── */
.wizard-card {
  background: #f6f6f6;
  border-radius: 36px;
  width: 960px;
  max-width: 100%;
  min-height: 420px;
  padding: 48px 56px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
}

/* ── Wizard steps — only the active one is visible ── */
.wizard-step {
  display: none;
  flex-direction: column;
  align-items: center;
  gap: 28px;
  width: 100%;
}

.wizard-step.wz-active { display: flex; }

/* ── Question text ── */
.wz-question {
  font-family: 'Roboto', sans-serif;
  font-size: 20px;
  font-weight: 400;
  color: #333;
  text-align: center;
  margin: 0;
}

/* ── Option buttons (outlined gold → filled on select/hover) ── */
.wz-options {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.wz-opt-btn {
  width: 200px;
  height: 44px;
  border: 1.5px solid var(--gold);
  border-radius: 36px;
  background: transparent;
  color: var(--gold);
  font-family: 'Roboto', sans-serif;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, border-color 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
}

.wz-opt-btn:hover,
.wz-opt-btn.selected {
  background: linear-gradient(-90deg, #E3A700 0%, #946C00 100%);
  color: #fff;
  border-color: transparent;
}

/* ── State select ── */
.wz-select-wrap {
  width: 100%;
  max-width: 340px;
}

.wz-select {
  width: 100%;
  height: 52px;
  border: 1px solid #d8d8d8;
  border-radius: 8px;
  background: #fff;
  padding: 0 40px 0 16px;
  font-family: 'Roboto', sans-serif;
  font-size: 15px;
  color: #bbb;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23555' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  cursor: pointer;
}

.wz-select.has-value { color: #333; }
.wz-select option { color: #333; }

/* ── Form fields inside wizard ── */
.wz-fields {
  width: 100%;
  max-width: 560px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.wz-row {
  display: flex;
  gap: 16px;
}

.wz-field-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 4px;
  background: #fff;
  border: 1px solid #d8d8d8;
  border-radius: 5px;
  padding: 8px 16px;
  min-height: 60px;
  justify-content: center;
  margin-bottom: 12px;
  transition: border-color 0.2s;
}

.wz-field-group.wz-field-error {
  border-color: #e03333;
  background: #fff8f8;
}

.wz-label {
  font-family: 'Roboto', sans-serif;
  font-size: 12px;
  font-weight: 500;
  color: #444;
  display: block;
}

.wz-input {
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  color: #333;
  border: none;
  outline: none;
  background: transparent;
  padding: 0;
  width: 100%;
  appearance: none;
  -webkit-appearance: none;
}

.wz-input::placeholder { color: #bbb; }

select.wz-input {
  color: #bbb;
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23555' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0 center;
  padding-right: 18px;
}

select.wz-input.has-value { color: #333; }
select.wz-input option { color: #333; }

/* ── Nav row (Back + Next/Submit) ── */
.wz-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  padding-top: 4px;
}

.wz-back-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 12px 18px;
  border-radius: 36px;
  border: none;
  cursor: pointer;
  background: linear-gradient(-90deg, rgb(227,167,0) 0%, rgb(148,108,0) 100%);
  color: #fff;
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  min-width: 120px;
  text-align: center;
  transition: opacity 0.2s;
}

.wz-back-btn:hover { opacity: 0.9; }

/* ── Consent disclaimer (wizard + CF7 forms) ── */
.wz-disclaimer,
.form-disclaimer {
  font-family: 'Roboto', sans-serif;
  font-size: 11px;
  color: #888;
  line-height: 1.6;
  text-align: center;
  margin: 12px 0 0;
  padding: 0 8px;
}

/* ── Consent disclaimer ── */
.wz-disclaimer {
  font-family: 'Roboto', sans-serif;
  font-size: 11px;
  color: #888;
  line-height: 1.6;
  text-align: center;
  margin: 12px 0 0;
  padding: 0 8px;
}

/* ── Inline error messages ── */
.wz-error {
  font-family: 'Roboto', sans-serif;
  font-size: 13px;
  color: #c62828;
  text-align: center;
  margin: 0;
  display: none;
}

/* ── Result screens ── */
.wz-result {
  text-align: center;
  max-width: 600px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.wz-result-icon {
  font-size: 48px;
  line-height: 1;
}

.wz-result-title {
  font-family: 'Roboto', sans-serif;
  font-size: 26px;
  font-weight: 600;
  color: #222;
  margin: 0;
}

.wz-result-body {
  font-family: 'Roboto', sans-serif;
  font-size: 16px;
  color: #444;
  line-height: 1.7;
  margin: 0;
}

.wz-result-body strong { color: var(--gold-dark); }

/* ── Responsive: Tablet ── */
@media (max-width: 768px) {
  .qw-nav-wrapper nav { gap: 0; justify-content: space-between; padding: 0 20px; }
  .qw-nav-wrapper .nav-links { display: none; position: absolute; top: 70px; left: 0; right: 0;
    background: rgba(4,7,7,0.97); flex-direction: column; align-items: center;
    gap: 0; padding: 16px 0; z-index: 200; }
  .qw-nav-wrapper .nav-links.open { display: flex; }
  .qw-nav-wrapper .nav-links li { width: 100%; text-align: center; }
  .qw-nav-wrapper .nav-links a { display: block; padding: 14px 24px; font-size: 15px;
    border-bottom: 1px solid rgba(255,255,255,0.07); }

  .qw-page-title { font-size: 32px; }
  .qw-insurance-type { font-size: 20px; }

  .wizard-card { padding: 36px 24px; border-radius: 24px; }
  .wz-row { flex-direction: column; gap: 0; }
}

/* ── Responsive: Mobile ── */
@media (max-width: 480px) {
  .qw-content { padding: 24px 16px 48px; }
  .qw-page-title { font-size: 26px; }
  .wizard-card { padding: 28px 20px; gap: 24px; }
  .wz-opt-btn { width: 100%; max-width: 320px; height: auto; padding: 14px 20px; font-size: 15px; }
  .wz-select-wrap { max-width: 100%; }
  .wz-fields { max-width: 100%; }
  .wz-nav { flex-direction: column-reverse; gap: 12px; align-items: center; }
  .wz-nav .btn-gold-gradient,
  .wz-back-btn { width: 100%; max-width: 320px; justify-content: center; }
  .wz-result-title { font-size: 22px; }
  .wz-result-body { font-size: 15px; }
  .wz-question { font-size: 17px; white-space: nowrap; }
}