/* Shared stylesheet extracted from inline <style> blocks — 2026-07-25 (finding #15).
   Edit here, then bump the ?v= hash in the <link> tags. */
    /* ===== RESET & BASE ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; font-size: 16px; }
    body {
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
      color: #1e293b;
      line-height: 1.6;
      background: #fff;
      -webkit-font-smoothing: antialiased;
    }
    img { max-width: 100%; height: auto; display: block; }
    a { color: inherit; text-decoration: none; }
    ul { list-style: none; }

    /* ===== UTILITIES ===== */
    .container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
    .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
    .skip-link { position: absolute; top: -100%; left: 50%; transform: translateX(-50%); background: #2d3e6e; color: #fff; padding: 0.75rem 1.5rem; border-radius: 0 0 8px 8px; font-weight: 600; z-index: 10000; transition: top 0.2s; }
    .skip-link:focus { top: 0; }
    .section-label { display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: #2d3e6e; margin-bottom: 0.5rem; }
    .section-title { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 4vw, 2.6rem); color: #0f172a; margin-bottom: 1rem; line-height: 1.2; }
    .section-subtitle { font-size: 1.05rem; color: #64748b; max-width: 640px; margin-bottom: 2.5rem; }
    .text-center { text-align: center; }
    .btn {
      display: inline-flex; align-items: center; gap: 0.5rem;
      padding: 0.85rem 2rem; border-radius: 8px; font-weight: 600; font-size: 0.95rem;
      transition: all 0.25s ease; cursor: pointer; border: none;
    }
    .btn-primary { background: #2d3e6e; color: #fff; }
    .btn-primary:hover { background: #1e2d54; transform: translateY(-1px); box-shadow: 0 4px 14px rgba(45,62,110,0.35); }
    .btn-secondary { background: #fff; color: #2d3e6e; border: 2px solid #2d3e6e; }
    .btn-secondary:hover { background: #eef2f9; }
    .btn-white { background: #fff; color: #1a2744; }
    .btn-white:hover { background: #f0f9ff; transform: translateY(-1px); }

    /* ===== HEADER / NAV ===== */
    header {
      position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
      background: rgba(26,39,68,0.97);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(255,255,255,0.1);
      transition: box-shadow 0.3s;
    }
    header.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.25); }
    .nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
    .nav-brand { display: flex; align-items: center; gap: 0.5rem; }
    .nav-brand img { height: 52px; width: auto; filter: brightness(0) invert(1); }
    .nav-brand-text { display: none; }
    nav ul { display: flex; align-items: center; gap: 0.25rem; }
    nav a {
      padding: 0.5rem 0.9rem; border-radius: 6px; font-size: 0.9rem; font-weight: 500;
      color: rgba(255,255,255,0.85); transition: all 0.2s;
    }
    nav a:hover, nav a.active { color: #fff; background: rgba(255,255,255,0.1); }
    .nav-cta {
      padding: 0.55rem 1.4rem; background: linear-gradient(135deg, #c5952c, #f7b731); color: #1a2744 !important;
      border-radius: 8px; font-weight: 700; white-space: nowrap;
    }
    .nav-cta:hover { background: linear-gradient(135deg, #d4a43b, #f9c84a) !important; color: #1a2744 !important; transform: translateY(-1px); box-shadow: 0 4px 14px rgba(197,149,44,0.4); }
    .nav-phone { display: flex; align-items: center; gap: 0.4rem; font-weight: 600; color: #fff; font-size: 0.9rem; }
    .nav-phone svg { flex-shrink: 0; }

    /* Mobile hamburger */
    .hamburger { display: none; background: none; border: none; cursor: pointer; padding: 0.5rem; }
    .hamburger span { display: block; width: 24px; height: 2px; background: #fff; margin: 6px 0; transition: all 0.3s; border-radius: 2px; }
    .hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 6px); }
    .hamburger.active span:nth-child(2) { opacity: 0; }
    .hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -6px); }

    /* ===== HERO ===== */
    .hero {
      margin-top: 72px;
      background: #ffffff;
      padding: 5rem 0 4rem;
      position: relative;
      overflow: hidden;
      border-bottom: 1px solid #e2e8f0;
    }
    .hero::before {
      content: ''; position: absolute; top: -120px; right: -120px;
      width: 500px; height: 500px; border-radius: 50%;
      background: radial-gradient(circle, rgba(45,62,110,0.06) 0%, transparent 70%);
    }
    .hero::after {
      content: ''; position: absolute; bottom: -80px; left: -80px;
      width: 350px; height: 350px; border-radius: 50%;
      background: radial-gradient(circle, rgba(45,62,110,0.04) 0%, transparent 70%);
    }
    .hero .container { position: relative; z-index: 1; }
    .hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
    .hero-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: #eef2f9; border: 1px solid #b3c5e0; color: #2d3e6e; padding: 0.4rem 1rem; border-radius: 50px; font-size: 0.8rem; font-weight: 600; margin-bottom: 1.5rem; }
    .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.2rem, 5vw, 3.2rem); color: #0f172a; line-height: 1.15; margin-bottom: 1.25rem; }
    .hero h1 span { color: #2d3e6e; }
    .hero p { font-size: 1.1rem; color: #64748b; margin-bottom: 2rem; max-width: 520px; line-height: 1.7; }
    .hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
    .hero-stats { display: flex; gap: 2.5rem; padding-top: 2rem; border-top: 1px solid #e2e8f0; }
    .hero-stat { text-align: left; }
    .hero-stat strong { display: block; font-size: 1.5rem; color: #1a2744; font-weight: 800; }
    .hero-stat span { font-size: 0.8rem; color: #64748b; }

    /* Hero quote card */
    .hero-visual {
      background: #ffffff; border: 2px solid #2d3e6e;
      border-radius: 20px; padding: 2rem;
      box-shadow: 0 12px 40px rgba(45,62,110,0.12);
    }
    .hero-visual h3 { color: #0f172a; font-size: 1.2rem; margin-bottom: 0.25rem; text-align: center; }
    .hero-visual .form-subtitle { color: #64748b; font-size: 0.9rem; text-align: center; margin-bottom: 1.5rem; }
    .quote-mini-form { display: flex; flex-direction: column; gap: 1rem; }
    .quote-mini-form select, .quote-mini-form input {
      padding: 0.85rem 1rem; border: 1.5px solid #d1d5db;
      border-radius: 8px; background: #f8fafc; color: #1e293b;
      font-size: 0.95rem; font-family: inherit; outline: none;
      transition: border-color 0.2s;
    }
    .quote-mini-form input::placeholder { color: #94a3b8; }
    .quote-mini-form select:focus, .quote-mini-form input:focus { border-color: #2d3e6e; box-shadow: 0 0 0 3px rgba(45,62,110,0.1); background: #fff; }
    .quote-mini-form .btn { width: 100%; justify-content: center; padding: 1rem; font-size: 1.05rem; font-weight: 700; }
    .btn-cta {
      background: linear-gradient(135deg, #2d3e6e, #1e2d54); color: #fff;
      box-shadow: 0 4px 20px rgba(45,62,110,0.35); font-size: 1.05rem;
      padding: 1rem 2rem; font-weight: 700;
    }
    .btn-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(45,62,110,0.45); }
    .btn-cta-lg { padding: 1.1rem 2.5rem; font-size: 1.15rem; border-radius: 10px; }
    .btn-cta-accent {
      background: linear-gradient(135deg, #c5952c, #f7b731); color: #1e293b;
      box-shadow: 0 4px 20px rgba(197,149,44,0.3); font-weight: 700;
    }
    .btn-cta-accent:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(197,149,44,0.4); }
    .secure-note { display: flex; align-items: center; gap: 0.4rem; justify-content: center; margin-top: 0.75rem; font-size: 0.8rem; color: #64748b; }
    .secure-note svg { flex-shrink: 0; }

    /* Honeypot - invisible to humans, bots fill it */
    .ohnohoney { opacity: 0; position: absolute; top: 0; left: 0; height: 0; width: 0; z-index: -1; overflow: hidden; pointer-events: none; }
    .form-msg { padding: 0.75rem 1rem; border-radius: 8px; font-size: 0.9rem; font-weight: 500; margin-bottom: 1rem; display: none; }
    .form-msg.error { display: block; background: #fef2f2; color: #dc2626; border: 1px solid #fecaca; }
    .form-msg.success { display: block; background: #f0fdf4; color: #16a34a; border: 1px solid #bbf7d0; }

    /* ===== SERVICES ===== */
    .services { padding: 5rem 0; background: #ffffff; border-bottom: 1px solid #e2e8f0; }
    .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
    .service-card {
      background: #fff; border-radius: 16px; padding: 2.5rem 2rem;
      border: 1px solid #e2e8f0; transition: all 0.3s;
      position: relative; overflow: hidden;
    }
    .service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); border-color: #b3c5e0; }
    .service-card::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
      background: linear-gradient(90deg, #2d3e6e, #3f5a94); opacity: 0; transition: opacity 0.3s;
    }
    .service-card:hover::before { opacity: 1; }
    .service-icon {
      width: 56px; height: 56px; border-radius: 12px; display: flex;
      align-items: center; justify-content: center; margin-bottom: 1.25rem;
      background: #eef2f9; color: #2d3e6e;
    }
    .service-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 0.75rem; color: #0f172a; }
    .service-card p { font-size: 0.92rem; color: #64748b; margin-bottom: 1.25rem; line-height: 1.6; }
    .service-list { display: flex; flex-wrap: wrap; gap: 0.4rem; }
    .service-tag { padding: 0.3rem 0.7rem; background: #f1f5f9; border-radius: 6px; font-size: 0.75rem; color: #475569; font-weight: 500; }
    .service-link { display: inline-flex; align-items: center; gap: 0.3rem; color: #2d3e6e; font-weight: 600; font-size: 0.9rem; transition: gap 0.2s; }
    .service-link:hover { gap: 0.6rem; }

    /* ===== WHY CHOOSE US ===== */
    .why-us { padding: 5rem 0; }
    .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
    .why-image { position: relative; border-radius: 20px; overflow: hidden; }
    .why-image img { width: 100%; height: 400px; object-fit: cover; border-radius: 20px; }
    .why-image-overlay {
      position: absolute; bottom: 1.5rem; left: 1.5rem; right: 1.5rem;
      background: rgba(255,255,255,0.95); backdrop-filter: blur(10px);
      border-radius: 12px; padding: 1.25rem 1.5rem;
      display: flex; align-items: center; gap: 1rem;
    }
    .why-image-overlay strong { font-size: 1.5rem; color: #2d3e6e; }
    .why-image-overlay span { font-size: 0.85rem; color: #64748b; }
    .why-features { display: flex; flex-direction: column; gap: 1.5rem; margin-top: 2rem; }
    .why-feature { display: flex; gap: 1rem; align-items: flex-start; }
    .why-feature-icon {
      flex-shrink: 0; width: 44px; height: 44px; border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      background: #eef2f9; color: #2d3e6e;
    }
    .why-feature h3 { font-size: 1rem; font-weight: 600; margin-bottom: 0.25rem; }
    .why-feature p { font-size: 0.88rem; color: #64748b; }

    /* ===== PERSONAL INSURANCE ===== */
    .personal-ins {
      padding: 5rem 0;
      background: linear-gradient(135deg, #1a2744 0%, #2d3e6e 50%, #1e2d54 100%);
      position: relative; overflow: hidden;
    }
    .personal-ins::before {
      content: ''; position: absolute; top: -100px; right: -100px;
      width: 400px; height: 400px; border-radius: 50%;
      background: rgba(255,255,255,0.04);
    }
    .personal-ins::after {
      content: ''; position: absolute; bottom: -80px; left: -80px;
      width: 300px; height: 300px; border-radius: 50%;
      background: rgba(255,255,255,0.03);
    }
    .personal-ins .section-label { color: #7e9bcc; }
    .personal-ins .section-title { color: #ffffff; }
    .personal-ins .section-subtitle { color: rgba(255,255,255,0.75); }
    .ins-types-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 1.25rem; position: relative; z-index: 1; }
    .ins-type-card {
      background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18); border-radius: 12px;
      padding: 1.5rem; transition: all 0.25s; cursor: pointer;
      display: flex; align-items: center; gap: 1rem;
      backdrop-filter: blur(4px);
    }
    .ins-type-card:hover { background: rgba(255,255,255,0.2); border-color: rgba(255,255,255,0.35); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.15); }
    .ins-type-icon { flex-shrink: 0; width: 40px; height: 40px; border-radius: 8px; display: flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.15); color: #ffffff; font-size: 1.1rem; }
    .ins-type-card h3 { font-size: 0.9rem; font-weight: 600; color: #ffffff; }
    .ins-type-card svg { stroke: #ffffff; }

    /* ===== COMMERCIAL INSURANCE ===== */
    .commercial-ins {
      padding: 5rem 0;
      background: linear-gradient(135deg, #0f2557 0%, #1a3a7a 50%, #163470 100%);
      position: relative; overflow: hidden;
    }
    .commercial-ins::before {
      content: ''; position: absolute; top: -80px; left: -80px;
      width: 350px; height: 350px; border-radius: 50%;
      background: rgba(255,255,255,0.03);
    }
    .commercial-ins .section-label { color: #7e9bcc; }
    .commercial-ins .section-title { color: #ffffff; }
    .commercial-ins .section-subtitle { color: rgba(255,255,255,0.7); }
    .commercial-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 1rem; position: relative; z-index: 1; }
    .commercial-item {
      display: flex; align-items: center; gap: 0.75rem; padding: 1rem 1.25rem;
      background: rgba(255,255,255,0.08); border-radius: 10px; border: 1px solid rgba(255,255,255,0.12);
      transition: all 0.2s; font-size: 0.88rem; font-weight: 500; color: rgba(255,255,255,0.85);
    }
    .commercial-item:hover { background: rgba(255,255,255,0.16); border-color: rgba(255,255,255,0.3); color: #ffffff; transform: translateY(-1px); }
    .commercial-item svg { flex-shrink: 0; color: rgba(255,255,255,0.7); }

    /* ===== CARRIERS ===== */
    .carriers { padding: 5rem 0; background: #ffffff; border-top: 1px solid #e2e8f0; }
    .carriers-intro { font-size: 1.05rem; color: #64748b; max-width: 700px; margin-bottom: 3rem; }
    .carriers-grid {
      display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
      gap: 1.5rem;
    }
    .carrier-card {
      background: #fff; border: 1px solid #e2e8f0; border-radius: 12px;
      padding: 1.5rem; display: flex; align-items: center; justify-content: center;
      min-height: 100px; transition: all 0.25s;
    }
    .carrier-card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.06); border-color: #cbd5e1; }
    .carrier-card img { max-height: 55px; max-width: 160px; object-fit: contain; filter: grayscale(40%); transition: filter 0.3s; }
    .carrier-card:hover img { filter: grayscale(0%); }

    /* ===== FAQ ===== */
    .faq { padding: 5rem 0; }
    .faq-list { max-width: 800px; margin: 0 auto; }
    .faq-item { border-bottom: 1px solid #e2e8f0; }
    .faq-question {
      width: 100%; display: flex; justify-content: space-between; align-items: center;
      padding: 1.25rem 0; background: none; border: none; cursor: pointer;
      font-size: 1rem; font-weight: 600; color: #1e293b; text-align: left;
      font-family: inherit; gap: 1rem;
    }
    .faq-question:hover { color: #2d3e6e; }
    .faq-icon { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: #f1f5f9; display: flex; align-items: center; justify-content: center; transition: all 0.3s; }
    .faq-item.open .faq-icon { background: #2d3e6e; color: #fff; transform: rotate(45deg); }
    .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
    .faq-answer-inner { padding: 0 0 1.25rem 0; font-size: 0.92rem; color: #64748b; line-height: 1.7; }

    /* ===== QUOTE FORM ===== */
    .quote-section {
      padding: 5rem 0;
      background: #f8fafc;
      color: #1e293b;
      border-top: 1px solid #e2e8f0;
    }
    .quote-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
    .quote-info h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 4vw, 2.4rem); margin-bottom: 1rem; color: #0f172a; }
    .quote-info p { color: #64748b; font-size: 1.05rem; margin-bottom: 2rem; line-height: 1.7; }
    .quote-contact-item { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.25rem; }
    .quote-contact-icon { flex-shrink: 0; width: 44px; height: 44px; border-radius: 10px; background: #dce5f2; display: flex; align-items: center; justify-content: center; }
    .quote-contact-item strong { display: block; font-size: 0.95rem; color: #0f172a; }
    .quote-contact-item span { font-size: 0.85rem; color: #64748b; }
    .quote-form-card {
      background: #fff; border-radius: 20px; padding: 2.5rem;
      box-shadow: 0 20px 60px rgba(45,62,110,0.12);
    }
    .quote-form-card h3 { color: #0f172a; font-size: 1.3rem; margin-bottom: 0.5rem; }
    .quote-form-card p { color: #64748b; font-size: 0.9rem; margin-bottom: 1.5rem; }
    .form-group { margin-bottom: 1rem; }
    .form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: #374151; margin-bottom: 0.35rem; }
    .form-group input, .form-group select, .form-group textarea {
      width: 100%; padding: 0.75rem 1rem; border: 1.5px solid #d1d5db;
      border-radius: 8px; font-size: 0.92rem; font-family: inherit;
      transition: border-color 0.2s; outline: none; color: #1e293b; background: #fff;
    }
    .form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: #2d3e6e; box-shadow: 0 0 0 3px rgba(45,62,110,0.1); }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
    .form-submit { width: 100%; padding: 0.9rem; font-size: 1rem; margin-top: 0.5rem; }

    /* ===== FOOTER ===== */
    footer { background: linear-gradient(135deg, #1a2744, #1e2d54); color: rgba(255,255,255,0.75); padding: 4rem 0 0; border-top: none; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 2.5rem; margin-bottom: 3rem; }
    .footer-brand p { font-size: 0.88rem; line-height: 1.7; margin-top: 1rem; max-width: 320px; }
    .footer-brand .nav-brand { margin-bottom: 0.5rem; }
    .footer-brand .nav-brand img { filter: brightness(0) invert(1); }
    .footer-brand .nav-brand-text { color: #fff; }
    .footer-brand .nav-brand-text small { color: rgba(255,255,255,0.8); }
    footer h4 { color: #ffffff; font-size: 0.9rem; font-weight: 700; margin-bottom: 1rem; text-transform: uppercase; letter-spacing: 0.05em; }
    footer ul li { margin-bottom: 0.6rem; }
    footer ul a { font-size: 0.88rem; transition: color 0.2s; color: rgba(255,255,255,0.8); }
    footer ul a:hover { color: #ffffff; }
    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,0.15); padding: 1.5rem 0;
      display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem;
      font-size: 0.82rem; color: rgba(255,255,255,0.5);
    }
    .footer-bottom a { color: rgba(255,255,255,0.75); }
    .footer-bottom a:hover { color: #ffffff; }

    /* ===== MOBILE MENU ===== */
    .mobile-menu {
      display: none; position: fixed; top: 72px; left: 0; right: 0; bottom: 0;
      background: #1a2744; z-index: 10000; padding: 2rem 1.5rem;
      flex-direction: column; gap: 0.5rem; overflow-y: auto;
      border-top: 1px solid rgba(255,255,255,0.1);
    }
    .mobile-menu.active { display: flex; }
    .mobile-menu a {
      padding: 0.9rem 1rem; border-radius: 8px; font-size: 1rem;
      font-weight: 500; color: rgba(255,255,255,0.85); display: block;
    }
    .mobile-menu a:hover { background: rgba(255,255,255,0.1); color: #fff; }
    .mobile-menu .nav-cta {
      text-align: center; margin-top: 1rem;
      background: #fff; color: #1a2744 !important; padding: 0.9rem; font-weight: 700;
    }
    .mobile-phone { display: flex; align-items: center; gap: 0.5rem; font-weight: 700; color: #fff; padding: 0.9rem 1rem; font-size: 1.1rem; border-top: 1px solid rgba(255,255,255,0.15); margin-top: 0.5rem; }

    /* ===== PAGE HERO (for subpages) ===== */
    .page-hero { background: linear-gradient(135deg, #1a2744 0%, #2d3e6e 50%, #3a4f8a 100%); color: #fff; padding: 7rem 0 3rem; text-align: center; }
    .page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 0.5rem; }
    .page-hero p { font-size: 1.1rem; color: rgba(255,255,255,0.8); max-width: 600px; margin: 0 auto; }
    .page-content { padding: 4rem 0; }
    .quote-form-section { background: #f8fafc; border-radius: 16px; padding: 2.5rem; max-width: 640px; margin: 2rem auto; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
    .quote-form-section h2 { font-family: 'Playfair Display', serif; font-size: 1.5rem; color: #0f172a; margin-bottom: 1.5rem; text-align: center; }
    .form-group { margin-bottom: 1.25rem; }
    .form-group label { display: block; font-weight: 600; font-size: 0.9rem; color: #1e293b; margin-bottom: 0.4rem; }
    .form-group input, .form-group select { width: 100%; padding: 0.85rem 1rem; border: 1.5px solid #d1d5db; border-radius: 8px; background: #fff; color: #1e293b; font-family: inherit; font-size: 0.95rem; transition: border-color 0.2s, box-shadow 0.2s; }
    .form-group input:focus, .form-group select:focus { border-color: #2d3e6e; box-shadow: 0 0 0 3px rgba(45,62,110,0.1); outline: none; background: #fff; }
    .form-group input::placeholder { color: #94a3b8; }
    .form-submit-btn { display: block; width: 100%; padding: 1rem; background: linear-gradient(135deg, #c5952c, #f7b731); color: #1e293b; border: none; border-radius: 8px; font-size: 1rem; font-weight: 700; cursor: pointer; transition: all 0.25s; }
    .form-submit-btn:hover { background: linear-gradient(135deg, #b8881f, #f0ad22); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(197,149,44,0.45); }
    .form-trustline { text-align: center; font-size: 0.85rem; color: #475569; margin: -0.5rem 0 1.5rem; line-height: 1.5; }
    .form-trustline .stars { color: #f7b731; letter-spacing: 1px; }
    .form-microcopy { text-align: center; font-size: 0.8rem; color: #64748b; margin-top: 0.75rem; }
    .hiw-trust { max-width: 700px; margin: 1.75rem auto 0; background: #ffffff; border: 1px solid #e2e8f0; border-radius: 16px; padding: 1.6rem 1.75rem; }
    .hiw-trust .hiw-head { text-align: center; font-weight: 800; color: #2d3e6e; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.6px; margin-bottom: 1rem; }
    .hiw-trust .hiw-inner { display: flex; align-items: center; justify-content: center; flex-wrap: nowrap; gap: 0.55rem; }
    .hiw-trust .hiw-step { display: flex; align-items: center; gap: 0.45rem; font-size: 0.85rem; color: #334155; font-weight: 500; white-space: nowrap; }
    .hiw-trust .hiw-num { display: inline-flex; align-items: center; justify-content: center; width: 1.5rem; height: 1.5rem; border-radius: 50%; background: linear-gradient(135deg, #c5952c, #f7b731); color: #1e293b; font-weight: 800; font-size: 0.8rem; flex-shrink: 0; }
    .hiw-trust .hiw-arrow { color: #cbd5e1; font-size: 1rem; flex-shrink: 0; }
    .hiw-trust .hiw-trustbar { display: flex; align-items: center; justify-content: center; gap: 0.7rem 1.5rem; flex-wrap: wrap; margin-top: 1.2rem; padding-top: 1.2rem; border-top: 1px solid #e2e8f0; font-size: 0.85rem; color: #475569; font-weight: 500; }
    .hiw-trust .hiw-trustbar span { display: flex; align-items: center; gap: 0.4rem; }
    .hiw-trust .hiw-trustbar svg { color: #2d3e6e; flex-shrink: 0; }
    @media (max-width: 768px) { .hiw-trust .hiw-inner { flex-direction: column; align-items: flex-start; gap: 0.7rem; } .hiw-trust .hiw-arrow { display: none; } }
    .seo-text { max-width: 800px; margin: 3rem auto 0; color: #64748b; font-size: 0.95rem; line-height: 1.7; }
    .seo-text p { margin-bottom: 1rem; }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 1024px) {
      nav ul { display: none; }
      .nav-phone { display: none; }
      .hamburger { display: block; }
      .hero-grid { grid-template-columns: 1fr; }
      .hero-visual { max-width: 480px; }
      .why-grid { grid-template-columns: 1fr; }
      .why-image { order: -1; }
      .quote-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
      .services-grid { grid-template-columns: 1fr 1fr; }
    }

    @media (max-width: 768px) {
      .hero { padding: 3rem 0 2.5rem; }
      .page-hero { padding: 6rem 0 2.5rem; }
      .hero h1 { font-size: 2rem; }
      .hero-stats { gap: 1.5rem; }
      .hero-stat strong { font-size: 1.25rem; }
      .services { padding: 3.5rem 0; }
      .services-grid { grid-template-columns: 1fr; }
      .ins-types-grid { grid-template-columns: 1fr 1fr; }
      .commercial-grid { grid-template-columns: 1fr; }
      .carriers-grid { grid-template-columns: repeat(2, 1fr); }
      .form-row { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; }
      .footer-bottom { flex-direction: column; text-align: center; }
      .personal-ins, .commercial-ins, .carriers, .faq, .quote-section, .why-us { padding: 3.5rem 0; }
    }

    @media (max-width: 480px) {
      .hero-stats { flex-direction: column; gap: 1rem; }
      .hero-actions { flex-direction: column; }
      .hero-actions .btn { width: 100%; justify-content: center; }
      .ins-types-grid { grid-template-columns: 1fr; }
      .carriers-grid { grid-template-columns: 1fr 1fr; }
      .quote-form-card { padding: 1.5rem; }
    }
  
    /* ===== SOCIAL ICONS ===== */
    .footer-social { display: flex; align-items: center; gap: 0.75rem; }
    .footer-social a {
      display: inline-flex; align-items: center; justify-content: center;
      width: 36px; height: 36px; border-radius: 50%;
      background: rgba(255,255,255,0.1); transition: background 0.2s, transform 0.2s;
    }
    .footer-social a:hover { background: rgba(255,255,255,0.25); transform: translateY(-2px); }
    .footer-social svg { width: 18px; height: 18px; fill: rgba(255,255,255,0.8); }
    .footer-social a:hover svg { fill: #ffffff; }
    .breadcrumb { font-size: 0.85rem; color: rgba(255,255,255,0.7); margin-bottom: 1rem; }
    .breadcrumb a:hover { color: #fff; }
  
    /* Mobile sticky CTA bar — scoped, namespaced, mobile only */
    .fl-mcta { display: none; }
    @media (max-width: 768px) {
      .fl-mcta {
        display: flex; gap: 0.6rem;
        position: fixed; left: 0; right: 0; bottom: 0; z-index: 900;
        padding: 0.6rem 0.85rem calc(0.6rem + env(safe-area-inset-bottom));
        background: rgba(255,255,255,0.98);
        border-top: 1px solid #e2e8f0;
        box-shadow: 0 -4px 18px rgba(15,23,42,0.10);
        -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
      }
      .fl-mcta-btn {
        flex: 1 1 0; min-width: 0;
        display: flex; align-items: center; justify-content: center; gap: 0.5rem;
        padding: 0.85rem 0.5rem; border-radius: 10px;
        font-size: 1rem; font-weight: 700; line-height: 1; white-space: nowrap;
        text-decoration: none; font-family: inherit;
      }
      .fl-mcta-call { background: linear-gradient(135deg, #c5952c, #f7b731); color: #1a2744; }
      .fl-mcta-quote { background: #1a2744; color: #ffffff; }
      .fl-mcta-btn svg { flex-shrink: 0; }
      /* keep footer content clear of the fixed bar */
      footer { padding-bottom: calc(64px + env(safe-area-inset-bottom)) !important; }
    }
  

    /* ===== UTILITY CLASSES (extracted from repeated style attributes, 2026-07-25) =====
       !important preserves the precedence the inline styles had. Edit here, bump ?v=. */
    .u-pill { display:inline-block !important; padding:0.5rem 1rem !important; background:#eef2f9 !important; border:1px solid #b3c5e0 !important; color:#2d3e6e !important; border-radius:50px !important; font-size:0.85rem !important; font-weight:600 !important; text-decoration:none !important; }
    .u-color-inherit { color:inherit !important; }
    .u-body-text { color:#475569 !important; font-size:0.95rem !important; line-height:1.7 !important; margin:0 !important; }
    .u-lead-dark { font-size:1.05rem !important; color:#0f172a !important; margin-bottom:0.5rem !important; }
    .u-row-divided { border-top:1px solid #e2e8f0 !important; padding:1.25rem 0 !important; }
    .u-heading-serif { font-family:'Playfair Display',serif !important; font-size:1.3rem !important; color:#0f172a !important; margin-bottom:1rem !important; }
    .u-list-item { margin-bottom:0.75rem !important; padding-left:0.5rem !important; }
    .u-pt-0 { padding-top:0 !important; }
    .u-link-navy { color:#2d3e6e !important; font-weight:600 !important; }
    .u-card-narrow-mt { max-width:800px !important; margin:2.5rem auto 0 !important; background:#f8fafc !important; border-radius:16px !important; padding:2rem 2.5rem !important; border:1px solid #e2e8f0 !important; }
    .u-flex-wrap { display:flex !important; flex-wrap:wrap !important; gap:0.6rem !important; }
    .u-body-text-mb { color:#475569 !important; font-size:0.95rem !important; line-height:1.7 !important; margin-bottom:1rem !important; }
    .u-card-narrow { max-width:800px !important; margin:0 auto !important; background:#f8fafc !important; border-radius:16px !important; padding:2rem 2.5rem !important; border:1px solid #e2e8f0 !important; }
    .u-mb-2 { margin-bottom:0.5rem !important; }
    .u-cell-divided { padding:0.5rem !important; border-bottom:1px solid #e2e8f0 !important; }