/* RVInsurancePlans.com - Kaufman Insurance Group agency landing
   Palette: black, sun orange #F5A623, logo blue #2B6CB0, white */

:root {
  --black: #0a0a0a;
  --black-soft: #12151a;
  --orange: #f5a623;
  --orange-hover: #ffb83d;
  --orange-dark: #d4890f;
  --blue: #2b6cb0;
  --blue-dark: #1e4e8c;
  --blue-soft: #ebf3fb;
  --white: #ffffff;
  --off-white: #f6f8fb;
  --cream: #eef2f7;
  --text: #1a1a1a;
  --text-muted: #556070;
  --border: #d9e0ea;
  --border-dark: #2a3038;
  --focus: #f5a623;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow: 0 8px 28px rgba(10, 20, 40, 0.08);
  --shadow-lg: 0 16px 40px rgba(10, 20, 40, 0.14);
  --header-h: 78px;
  --container: 1140px;
  --narrow: 720px;
  --font: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --transition: 0.2s ease;
  --gutter: 1.25rem;
  --space-section: clamp(2.75rem, 5vw, 3.75rem);
  --pad-card: 1.35rem 1.4rem 1.5rem;
  --pad-card-tight: 1.2rem 1.25rem 1.3rem;
  --pad-box: 1.4rem 1.45rem 1.5rem;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--blue);
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
  transition: color var(--transition);
}

a:hover {
  color: var(--blue-dark);
}

a:focus-visible,
button:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

h1,
h2,
h3 {
  line-height: 1.2;
  font-weight: 700;
  color: var(--black);
  margin: 0 0 0.75rem;
}

h1 {
  font-size: clamp(1.85rem, 4.2vw, 2.85rem);
  letter-spacing: -0.02em;
}

h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  letter-spacing: -0.015em;
}

h3 {
  font-size: 1.125rem;
}

p {
  margin: 0 0 1rem;
}

ul,
ol {
  margin: 0;
  padding: 0;
}

.container {
  width: min(100% - (2 * var(--gutter)), var(--container));
  margin-inline: auto;
}

.container.narrow,
.narrow {
  width: min(100% - (2 * var(--gutter)), var(--narrow));
  margin-inline: auto;
}

@media (max-width: 380px) {
  :root {
    --gutter: 1rem;
  }
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -100px;
  z-index: 1000;
  padding: 0.75rem 1rem;
  background: var(--orange);
  color: var(--black);
  font-weight: 600;
  border-radius: var(--radius);
  text-decoration: none;
}

.skip-link:focus {
  top: 1rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.7rem 1.25rem;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--transition), color var(--transition),
    border-color var(--transition), box-shadow var(--transition),
    transform var(--transition);
  white-space: nowrap;
}

.btn:hover {
  text-decoration: none;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 0.9rem 1.5rem;
  font-size: 1rem;
}

.btn-block {
  width: 100%;
}

.btn-primary {
  background: var(--orange);
  color: var(--black);
  border-color: var(--orange);
}

.btn-primary:hover {
  background: var(--orange-hover);
  border-color: var(--orange-hover);
  color: var(--black);
  box-shadow: 0 4px 16px rgba(245, 166, 35, 0.4);
}

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

.btn-outline:hover {
  background: var(--black);
  color: var(--orange);
}

.btn-ghost {
  background: transparent;
  color: var(--orange);
  border-color: rgba(245, 166, 35, 0.45);
}

.btn-ghost:hover {
  background: rgba(245, 166, 35, 0.12);
  color: var(--orange-hover);
  border-color: var(--orange);
}

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

.btn-blue:hover {
  background: var(--blue-dark);
  border-color: var(--blue-dark);
  color: var(--white);
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--black);
  border-bottom: 1px solid var(--border-dark);
  min-height: var(--header-h);
}

.site-header.is-scrolled {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.35);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: var(--header-h);
  padding-block: 0.4rem;
}

.brand-block {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  min-width: 0;
}

.logo-link {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
  border-radius: 6px;
}

.logo {
  width: auto;
  height: 52px;
  max-width: 160px;
  object-fit: contain;
}

.logo-footer {
  height: 72px;
  max-width: 180px;
  width: auto;
  margin-bottom: 0.75rem;
}

.brand-tag {
  margin: 0;
  font-size: 0.65rem;
  line-height: 1.3;
  color: rgba(247, 245, 241, 0.7);
  max-width: 16rem;
}

.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  background: transparent;
  border: 1px solid rgba(245, 166, 35, 0.4);
  border-radius: 8px;
  cursor: pointer;
  z-index: 110;
}

.nav-toggle-bar {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--orange);
  border-radius: 1px;
  transition: transform var(--transition), opacity var(--transition);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.primary-nav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--black-soft);
  border-bottom: 1px solid var(--border-dark);
  padding: 1rem 1.25rem 1.5rem;
  box-shadow: var(--shadow-lg);
}

.primary-nav.is-open {
  display: block;
}

.primary-nav ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.primary-nav a {
  display: block;
  padding: 0.65rem 0.75rem;
  color: var(--off-white);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.9375rem;
  border-radius: 8px;
}

.primary-nav a:hover,
.primary-nav a:focus-visible {
  color: var(--orange);
  background: rgba(245, 166, 35, 0.08);
}

.nav-ctas {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border-dark);
}

@media (min-width: 1040px) {
  .nav-toggle {
    display: none;
  }

  .primary-nav {
    display: flex;
    position: static;
    align-items: center;
    gap: 0.25rem;
    background: transparent;
    border: none;
    padding: 0;
    box-shadow: none;
  }

  .primary-nav ul {
    flex-direction: row;
    align-items: center;
    gap: 0.1rem;
  }

  .primary-nav a {
    padding: 0.45rem 0.55rem;
    font-size: 0.8125rem;
  }

  .nav-ctas {
    flex-direction: row;
    align-items: center;
    margin: 0 0 0 0.5rem;
    padding: 0 0 0 0.65rem;
    border-top: none;
    border-left: 1px solid var(--border-dark);
  }

  .logo {
    height: 58px;
    max-width: 180px;
  }

  .brand-tag {
    font-size: 0.7rem;
  }
}

/* Hero */
.hero {
  position: relative;
  background: var(--black);
  color: var(--off-white);
  padding: 0;
  overflow: hidden;
}

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

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

.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(10, 10, 10, 0.92) 0%,
    rgba(10, 14, 22, 0.82) 48%,
    rgba(10, 14, 22, 0.55) 100%
  );
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2rem;
  padding: 3rem 0 3.5rem;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1rem;
}

.compliance-line {
  margin: 0 0 0.85rem;
  font-size: 0.8125rem;
  color: rgba(247, 245, 241, 0.75);
}

.compliance-line strong {
  color: var(--orange);
  font-weight: 600;
}

.eyebrow {
  display: inline-block;
  margin: 0 0 0.75rem;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--orange);
}

.lead {
  font-size: 1.0625rem;
  color: rgba(247, 245, 241, 0.88);
  max-width: 42ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin: 1.5rem 0 1.75rem;
}

.hero .btn-outline {
  color: var(--orange);
  border-color: rgba(245, 166, 35, 0.55);
}

.hero .btn-outline:hover {
  background: var(--orange);
  color: var(--black);
  border-color: var(--orange);
}

.hero-points {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.hero-points li {
  position: relative;
  padding-left: 1.4rem;
  font-size: 0.9375rem;
  color: rgba(247, 245, 241, 0.9);
}

.hero-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 0.55rem;
  height: 0.55rem;
  background: var(--orange);
  border-radius: 50%;
}

.hero-card {
  background: var(--white);
  color: var(--text);
  padding: 1.75rem;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(245, 166, 35, 0.35);
  box-shadow: var(--shadow-lg);
  align-self: start;
}

.hero-card h2 {
  font-size: 1.35rem;
  margin-bottom: 0.5rem;
}

.hero-card p {
  color: var(--text-muted);
}

.hero-card-phone {
  margin: 1rem 0 0;
  text-align: center;
  font-size: 0.9375rem;
}

.hero-card-phone a {
  font-weight: 600;
  color: var(--black);
  text-decoration: none;
}

.hero-card-phone a:hover {
  color: var(--blue);
  text-decoration: underline;
}

@media (min-width: 800px) {
  .hero-grid {
    grid-template-columns: 1.35fr 0.85fr;
    align-items: center;
    gap: 3rem;
    padding: 4rem 0 4.5rem;
  }

  .hero-points {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 0.75rem 1.5rem;
  }
}

/* Trust / carriers */
.trust-bar {
  background: var(--off-white);
  border-block: 1px solid var(--border);
  padding: 2rem 0;
  text-align: center;
}

.trust-label {
  margin: 0 0 0.35rem;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.trust-note {
  margin: 0 auto 1.25rem;
  max-width: 40rem;
  font-size: 0.875rem;
  color: var(--text-muted);
}

.carrier-logo-grid {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
  margin: 0 auto 1rem;
  max-width: 880px;
}

.carrier-logo-grid li {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 88px;
  padding: 1.1rem 1.2rem;
  background: #ffffff; /* all carrier tiles: white / light for positive logos */
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}

.carrier-logo-grid img {
  max-height: 42px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  filter: none;
}

.carrier-logo-grid .carrier-ng {
  max-height: 56px;
}

.carrier-logo-grid .carrier-foremost {
  max-height: 52px;
}

.trust-disclaimer {
  margin: 0 auto;
  max-width: 46rem;
  font-size: 0.75rem;
  line-height: 1.5;
  color: var(--text-muted);
}

@media (min-width: 720px) {
  .carrier-logo-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

/* Sections */
.section {
  padding: var(--space-section) 0;
}

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

.section-intro {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto 2.25rem;
}

.section-intro p {
  color: var(--text-muted);
  margin-bottom: 0;
}

.section-cta {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
  margin-top: 2rem;
}

.section-alt .btn-ghost {
  color: var(--black);
  border-color: rgba(0, 0, 0, 0.2);
}

.section-alt .btn-ghost:hover {
  background: rgba(0, 0, 0, 0.05);
  color: var(--black);
  border-color: var(--black);
}

/* Product / insure grid */
.insure-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.insure-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--pad-card-tight);
  text-align: center;
  box-shadow: var(--shadow);
  transition: border-color var(--transition), box-shadow var(--transition),
    transform var(--transition);
}

.insure-card:hover {
  border-color: rgba(43, 108, 176, 0.45);
  box-shadow: var(--shadow-lg);
}

.insure-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.5rem;
  height: 2.5rem;
  margin: 0 auto 0.65rem;
  border-radius: 50%;
  background: var(--blue-soft);
  color: var(--blue);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.insure-card h3 {
  margin: 0 0 0.35rem;
  font-size: 1rem;
}

.insure-card p {
  margin: 0;
  font-size: 0.8125rem;
  color: var(--text-muted);
}

@media (min-width: 640px) {
  .insure-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 960px) {
  .insure-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.insure-card-secondary {
  box-shadow: none;
  background: #fafbfc;
}

/* Bonus strip: household / business clearly secondary to RV focus */
.bonus-strip {
  margin-top: 1.75rem;
  padding: 1.45rem 1.35rem 1.55rem;
  border: 1px dashed rgba(43, 108, 176, 0.35);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, #f7fafc 0%, #ffffff 100%);
}

.bonus-strip-intro {
  text-align: center;
  max-width: 40rem;
  margin: 0 auto 1.15rem;
}

.bonus-eyebrow {
  display: inline-block;
  margin: 0 0 0.35rem;
  padding: 0.15rem 0.55rem;
  border-radius: 999px;
  background: rgba(245, 166, 35, 0.18);
  color: #8a5a00;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.bonus-strip-intro h3 {
  margin: 0 0 0.4rem;
  font-size: 1.125rem;
}

.bonus-strip-intro p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--text-muted);
}

.bonus-grid {
  list-style: none;
  display: grid;
  gap: 0.75rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin: 0;
  padding: 0;
}

.bonus-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.2rem;
  padding: 1rem 0.9rem;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

.bonus-card strong {
  font-size: 0.9375rem;
}

.bonus-card span:last-child {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.bonus-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  margin-bottom: 0.25rem;
  border-radius: 50%;
  background: rgba(245, 166, 35, 0.16);
  color: #8a5a00;
  font-size: 0.6875rem;
  font-weight: 700;
}

@media (min-width: 720px) {
  .bonus-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

/* Lifestyle / how you use it */
.lifestyle-grid {
  display: grid;
  gap: 1.25rem;
}

.lifestyle-card {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  background: var(--white);
  box-shadow: var(--shadow);
  display: grid;
}

.lifestyle-card img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.lifestyle-body {
  padding: 1.35rem 1.4rem 1.6rem;
}

.lifestyle-body h3 {
  margin-bottom: 0.45rem;
}

.lifestyle-body p {
  margin: 0 0 1rem;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

.lifestyle-card a.card-link {
  font-weight: 600;
  text-decoration: none;
  color: var(--blue);
}

.lifestyle-card a.card-link:hover {
  color: var(--blue-dark);
  text-decoration: underline;
}

@media (min-width: 768px) {
  .lifestyle-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .lifestyle-card img {
    height: 160px;
  }
}

/* Photo strip */
.photo-strip {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem;
}

.photo-strip figure {
  margin: 0;
  position: relative;
  overflow: hidden;
  border-radius: var(--radius);
  aspect-ratio: 4 / 3;
}

.photo-strip img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.photo-strip figcaption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 0.55rem 0.75rem;
  font-size: 0.7rem;
  color: var(--white);
  background: linear-gradient(transparent, rgba(0, 0, 0, 0.65));
}

@media (min-width: 768px) {
  .photo-strip {
    grid-template-columns: repeat(4, 1fr);
    gap: 0.75rem;
  }
}

/* Steps */
.steps {
  list-style: none;
  display: grid;
  gap: 1.25rem;
}

.step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  margin-bottom: 0.75rem;
  background: var(--black);
  color: var(--orange);
  font-weight: 700;
  font-size: 0.875rem;
  border-radius: 50%;
}

.step h3 {
  margin-bottom: 0.5rem;
}

.step p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

@media (min-width: 768px) {
  .steps {
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
  }
}

/* Coverage cards with photos */
.card-grid {
  display: grid;
  gap: 1.25rem;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.card:hover {
  border-color: rgba(245, 166, 35, 0.55);
  box-shadow: var(--shadow-lg);
}

.card-media {
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: var(--cream);
}

.card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.card-body {
  padding: 1.35rem 1.4rem 1.55rem;
}

.card h3 {
  margin-bottom: 0.5rem;
}

.card p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

.card-accent {
  background: var(--black);
  border-color: var(--orange);
  color: var(--off-white);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 1.5rem;
  min-height: 100%;
}

.card-accent h3 {
  color: var(--orange);
}

.card-accent p {
  color: rgba(247, 245, 241, 0.85);
  margin-bottom: 1rem;
}

@media (min-width: 640px) {
  .card-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 960px) {
  .card-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Why us */
.why-grid {
  display: grid;
  gap: 1.25rem;
}

.why-item {
  padding: 1.5rem;
  border-left: 3px solid var(--orange);
  background: var(--off-white);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.section-alt .why-item {
  background: var(--white);
}

.why-item h3 {
  margin-bottom: 0.4rem;
}

.why-item p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

@media (min-width: 768px) {
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }
}

/* FAQ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  padding: 1.05rem 1.25rem;
  font-weight: 600;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  color: var(--black);
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  flex-shrink: 0;
  width: 1.5rem;
  height: 1.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 50%;
  color: var(--blue);
  font-size: 1.15rem;
  font-weight: 500;
  line-height: 1;
}

.faq-item[open] summary::after {
  content: "+";
  transform: rotate(45deg);
  background: var(--black);
  border-color: var(--black);
  color: var(--orange);
}

.faq-item[open] {
  border-color: rgba(43, 108, 176, 0.4);
}

.faq-item p {
  margin: 0 1.25rem 0.85rem;
  padding: 0;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

.faq-item ul {
  margin: 0 1.25rem 0.85rem;
  padding-left: 1.25rem;
  list-style: disc;
}

.faq-item li {
  margin-bottom: 0.45rem;
  color: var(--text);
  font-size: 0.9375rem;
  line-height: 1.5;
}

.faq-item li:last-child {
  margin-bottom: 0;
}

.faq-item > *:last-child {
  margin-bottom: 1.2rem;
}

/* Quote */
.quote-section {
  background: linear-gradient(180deg, var(--cream) 0%, var(--off-white) 100%);
  border-top: 1px solid var(--border);
}

.quote-section .section-intro a {
  font-weight: 600;
  color: var(--black);
}

.quote-embed {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  box-shadow: var(--shadow-lg);
  min-height: 200px;
  overflow: hidden;
}

.quote-alt {
  text-align: center;
  margin-top: 1.25rem;
  margin-bottom: 0;
  font-size: 0.9375rem;
  color: var(--text-muted);
}

.quote-alt a {
  font-weight: 600;
  color: var(--black);
}

/* Footer */
.site-footer {
  background: var(--black);
  color: rgba(247, 245, 241, 0.8);
  padding: 3rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  gap: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--border-dark);
}

.footer-brand p {
  font-size: 0.9375rem;
  max-width: 32ch;
  margin: 0 0 0.75rem;
}

.footer-nap h3,
.footer-links h3 {
  color: var(--orange);
  font-size: 0.8125rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 0.85rem;
}

.footer-nap p {
  margin: 0 0 0.5rem;
  font-size: 0.9375rem;
}

.nap-name {
  font-weight: 600;
  color: var(--white);
}

.footer-nap a,
.footer-links a {
  color: var(--off-white);
  text-decoration: none;
}

.footer-nap a:hover,
.footer-links a:hover {
  color: var(--orange);
}

.hours {
  color: rgba(247, 245, 241, 0.65);
  font-size: 0.875rem !important;
}

.footer-links ul {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.4rem;
}

.footer-links a {
  font-size: 0.9375rem;
}

.footer-bottom {
  padding-top: 1.5rem;
}

.disclaimer {
  font-size: 0.75rem;
  line-height: 1.5;
  color: rgba(247, 245, 241, 0.5);
  margin-bottom: 1rem;
}

.copyright {
  margin: 0;
  font-size: 0.8125rem;
  color: rgba(247, 245, 241, 0.6);
}

.photo-credit {
  margin: 0.5rem 0 0;
  font-size: 0.75rem;
  color: rgba(247, 245, 241, 0.45);
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 2.5rem;
  }
}

/* Inner pages */
.page-hero {
  background: var(--black);
  color: var(--off-white);
  padding: clamp(2.25rem, 4vw, 3rem) 0;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: 0.5rem;
}

.page-hero p {
  margin: 0;
  color: rgba(247, 245, 241, 0.75);
}

.page-content {
  padding: clamp(2.25rem, 4vw, 3rem) 0 var(--space-section);
}

.page-content h2 {
  margin-top: 2rem;
  font-size: 1.25rem;
}

.page-content h2:first-child {
  margin-top: 0;
}

.page-content ul {
  margin: 0 0 1rem 1.25rem;
}

.page-content li {
  margin-bottom: 0.4rem;
  color: var(--text-muted);
}

.page-content p {
  color: var(--text-muted);
}

.page-hero-media {
  margin-top: 1.5rem;
  border-radius: var(--radius-lg);
  overflow: hidden;
  max-width: 720px;
}

.page-hero-media img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.primary-nav .btn-ghost {
  color: var(--orange);
}

.primary-nav .btn-primary:hover {
  color: var(--black);
}

/* Quote prep checklist (directly above form; secondary visual weight) */
.quote-prep {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 3px solid var(--orange);
  border-radius: var(--radius-lg);
  padding: 1.35rem 1.45rem 1.45rem 1.5rem;
  margin: 0 0 1.35rem;
  box-shadow: none;
}

.quote-prep h2,
.quote-prep h3 {
  margin-bottom: 0.4rem;
  font-size: clamp(1.05rem, 2.2vw, 1.25rem);
  font-weight: 600;
}

.quote-prep > p {
  color: var(--text-muted);
  font-size: 0.9375rem;
  margin-bottom: 0.85rem;
}

.quote-prep ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.55rem;
}

.quote-prep li {
  position: relative;
  padding-left: 1.35rem;
  color: var(--text);
  font-size: 0.9375rem;
  line-height: 1.45;
}

.quote-prep li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45rem;
  width: 0.55rem;
  height: 0.55rem;
  border-radius: 50%;
  background: var(--orange);
}

.quote-prep .prep-note {
  margin: 1rem 0 0;
  font-size: 0.875rem;
  color: var(--text-muted);
}

.why-differs {
  background: var(--blue-soft);
  border: 1px solid rgba(43, 108, 176, 0.22);
  border-radius: var(--radius-lg);
  padding: var(--pad-box);
  margin: 1.75rem 0 0;
}

.why-differs h2 {
  margin-top: 0;
}

.why-differs p:last-child {
  margin-bottom: 0;
}

.why-differs ul {
  list-style: disc;
  padding-left: 1.2rem;
  margin: 0.75rem 0 1rem;
}

.why-differs li {
  margin-bottom: 0.45rem;
  color: var(--text);
  font-size: 0.9375rem;
}

.page-content .btn {
  margin: 0.25rem 0.5rem 0.25rem 0;
}

.page-quote {
  /* inherit .section vertical padding; do not crush top spacing */
}

/* Referral partners page */
.partner-line-group + .partner-line-group {
  margin-top: 2rem;
}

.partner-line-group > h3 {
  margin-bottom: 0.9rem;
  font-size: 1.25rem;
}

.partner-grid .insure-card h3 {
  font-size: 1rem;
}

.partner-grid .insure-card p {
  font-size: 0.875rem;
}

.partner-value-grid {
  align-items: stretch;
}

.partner-value-item {
  height: 100%;
}

.partner-value-item ul {
  margin: 0.7rem 0 0.9rem;
  padding-left: 1.15rem;
}

.partner-value-item li {
  margin-bottom: 0.45rem;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

.partner-value-item li:last-child {
  margin-bottom: 0;
}

.partner-value-item .value-caveat {
  margin-top: 0.9rem;
  color: var(--text-muted);
  font-size: 0.875rem;
  font-style: italic;
}

.partner-secondary {
  margin-top: 2rem;
}

.partner-secondary-label {
  margin: 0 0 0.75rem;
  color: var(--text-muted);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.partner-secondary-grid {
  gap: 1rem;
}

.partner-secondary-grid .why-item {
  padding: 1.1rem;
  border-left-width: 2px;
}

.partner-secondary-grid .why-item h3 {
  font-size: 1rem;
}

.partner-secondary-grid .why-item p {
  font-size: 0.875rem;
}

@media (min-width: 960px) {
  .partner-value-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .partner-secondary-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.partner-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

@media (min-width: 720px) {
  .partner-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .partner-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (min-width: 1400px) {
  .partner-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }
}

.partner-grid .insure-card {
  text-align: left;
  min-width: 0;
}

.partner-grid .insure-icon {
  margin-left: 0;
}

.partner-respa-note {
  margin-top: 1.75rem;
  padding: var(--pad-box);
  border: 1px solid var(--border);
  border-left: 3px solid var(--blue);
  border-radius: var(--radius-lg);
  background: var(--blue-soft);
}

.partner-respa-note h3 {
  margin-bottom: 0.4rem;
  font-size: 1.05rem;
}

.partner-respa-note p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.9375rem;
}

.compliance-box {
  background: var(--off-white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--pad-box);
}

.compliance-box h2 {
  margin-top: 0;
  margin-bottom: 0.85rem;
  font-size: 1.25rem;
}

.compliance-box ul {
  margin: 0;
  padding-left: 1.2rem;
}

.compliance-box li {
  margin-bottom: 0.55rem;
  color: var(--text);
  font-size: 0.9375rem;
}

.compliance-box li:last-child {
  margin-bottom: 0;
}

.partner-cta-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--pad-box);
  box-shadow: var(--shadow);
}

.partner-cta-card h3 {
  margin-bottom: 0.5rem;
}

.partner-cta-card > p {
  margin: 0;
  color: var(--text-muted);
}

.partner-inquiry-form {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border);
}

.partner-form-grid {
  display: grid;
  gap: 1rem;
}

.partner-form-field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.partner-form-field label {
  color: var(--text);
  font-size: 0.875rem;
  font-weight: 600;
}

.partner-form-field label > span:not(.field-optional) {
  color: var(--orange-dark);
}

.field-optional {
  color: var(--text-muted);
  font-weight: 400;
}

.partner-form-field input,
.partner-form-field select,
.partner-form-field textarea {
  width: 100%;
  padding: 0.7rem 0.8rem;
  color: var(--text);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font: inherit;
  line-height: 1.35;
}

.partner-form-field textarea {
  min-height: 7.5rem;
  resize: vertical;
}

.partner-form-field input:focus,
.partner-form-field select:focus,
.partner-form-field textarea:focus {
  outline: 3px solid rgba(245, 166, 35, 0.35);
  border-color: var(--orange-dark);
}

.partner-form-antibot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.partner-form-consent {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin: 1rem 0;
  color: var(--text-muted);
  font-size: 0.875rem;
}

.partner-form-sms-consent {
  margin-top: 0.25rem;
}

.partner-form-consent input {
  flex: 0 0 auto;
  width: 1.1rem;
  height: 1.1rem;
  margin-top: 0.2rem;
  accent-color: var(--blue);
}

.partner-form-status {
  min-height: 1.6rem;
  margin: 0 0 0.75rem;
  font-size: 0.875rem;
  font-weight: 600;
}

.partner-form-status.is-error {
  color: #a33a2a;
}

.partner-form-status.is-success {
  color: #22613a;
}

.partner-inquiry-form button[disabled] {
  cursor: wait;
  opacity: 0.65;
}

@media (min-width: 640px) {
  .partner-form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

.page-hero .compliance-line {
  color: rgba(247, 245, 241, 0.85);
  margin: 0.65rem 0 0.75rem;
}


/* Page-hero early CTAs (shared across specialty + partners) */
.page-hero .hero-actions {
  margin: 1.35rem 0 0;
}

.page-hero .btn-outline {
  color: var(--orange);
  border-color: rgba(245, 166, 35, 0.55);
}

.page-hero .btn-outline:hover {
  background: var(--orange);
  color: var(--black);
  border-color: var(--orange);
}

/* Mid-page conversion band inside page-content (not flex row of buttons only) */
.page-content .section-cta {
  display: block;
  text-align: center;
  margin-top: 2rem;
  padding: var(--pad-box);
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}

.page-content .section-cta h2 {
  margin-top: 0;
  margin-bottom: 0.65rem;
}

.page-content .section-cta > p {
  max-width: 40rem;
  margin-left: auto;
  margin-right: auto;
}

.page-content .section-cta > p:last-child {
  margin-bottom: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
}

.page-content .section-cta .btn {
  margin: 0;
}

/* Shared secondary note under forms / partner CTA */
.prep-note {
  margin: 1rem 0 0;
  font-size: 0.875rem;
  color: var(--text-muted);
}

.partner-cta-card .hero-actions {
  margin-top: 1.15rem;
}

/* Trust bar breathing room under sticky header */
.trust-bar {
  padding: 2.25rem 0;
}

/* Bonus strip nested cards: keep inset from dashed frame */
.bonus-strip {
  padding: 1.45rem 1.35rem 1.55rem;
}

.bonus-card {
  padding: 1rem 0.9rem;
}

/* Carrier tiles: consistent inner padding */
.carrier-logo-grid li {
  padding: 1.1rem 1.2rem;
}

/* Partners card padding + compact grids */
.partner-grid {
  gap: 1rem;
}

.partner-grid .insure-card {
  padding: var(--pad-card-tight);
}

.partner-grid-compact {
  gap: 0.85rem;
}

@media (min-width: 1024px) {
  .partner-grid-compact {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.partner-line-group + .partner-line-group {
  margin-top: 2.25rem;
}

.partner-value-item {
  padding: var(--pad-card);
}


/* Partner page visuals: small, supportive images between content groups */
.partner-photo-strip {
  margin-top: 2.25rem;
  padding: var(--pad-box);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--off-white);
}

.partner-photo-strip-intro {
  max-width: 38rem;
  margin: 0 auto 1.25rem;
  text-align: center;
}

.partner-photo-strip-intro .eyebrow {
  margin-bottom: 0.45rem;
  color: var(--blue);
  font-size: 0.75rem;
}

.partner-photo-strip-intro h3 {
  margin-bottom: 0.4rem;
  font-size: clamp(1.15rem, 2.4vw, 1.4rem);
}

.partner-photo-strip-intro p:last-child {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.9rem;
}

.partner-photo-grid {
  display: grid;
  gap: 0.85rem;
}

.partner-photo-card {
  overflow: hidden;
  margin: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 2px 10px rgba(10, 20, 40, 0.06);
}

.partner-photo-card img {
  width: 100%;
  height: 150px;
  object-fit: cover;
}

.partner-photo-card figcaption {
  display: grid;
  gap: 0.2rem;
  padding: 0.85rem 0.9rem 0.95rem;
}

.partner-photo-card strong {
  font-size: 0.9rem;
  color: var(--black);
}

.partner-photo-card span {
  color: var(--text-muted);
  font-size: 0.8rem;
  line-height: 1.45;
}

@media (min-width: 720px) {
  .partner-photo-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}