/**
 * Vallie Insurance — Main Stylesheet
 *
 * Structure:
 * 1. Reset & Base
 * 2. Layout (Container, Grid)
 * 3. Typography
 * 4. Buttons
 * 5. Header
 * 6. Navigation
 * 7. Mobile Navigation
 * 8. Hero
 * 9. Cards
 * 10. Sections
 * 11. Forms
 * 12. Blog
 * 13. Insurance Pages
 * 14. Policy Service
 * 15. Contact
 * 16. Team
 * 17. Footer
 * 18. Breadcrumbs
 * 19. Components (Check List, Trust Bar, CTA Banner, Reviews)
 * 20. 404 & Search
 * 21. Utilities
 * 22. Accessibility
 * 23. WordPress Specific
 * 24. Responsive
 */

/* ═══════════════════════════════════════
   1. RESET & BASE
   ═══════════════════════════════════════ */

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

* {
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    font-size: var(--text-base);
    line-height: var(--leading-normal);
    color: var(--color-gray-800);
    background-color: var(--color-white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

img,
picture,
video,
canvas,
svg {
    display: block;
    max-width: 100%;
}

img {
    height: auto;
}

input,
button,
textarea,
select {
    font: inherit;
}

a {
    color: var(--color-secondary);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--color-primary);
}

ul,
ol {
    list-style: none;
}

/* ═══════════════════════════════════════
   2. LAYOUT
   ═══════════════════════════════════════ */

.container {
    width: 100%;
    max-width: var(--container-max);
    margin-left: auto;
    margin-right: auto;
    padding-left: var(--container-padding);
    padding-right: var(--container-padding);
}

.container--narrow {
    max-width: var(--container-narrow);
}

.container--wide {
    max-width: var(--container-wide);
}

/* Split layout (text + media side by side) */
.split {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
    align-items: center;
}

.split__media {
    order: -1;
}

/* ═══════════════════════════════════════
   3. TYPOGRAPHY
   ═══════════════════════════════════════ */

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: var(--weight-bold);
    line-height: var(--leading-tight);
    color: var(--color-primary-dark);
}

h1 { font-size: var(--text-5xl); margin-bottom: var(--space-lg); }
h2 { font-size: var(--text-2xl); margin-bottom: var(--space-md); }
h3 { font-size: var(--text-xl);  margin-bottom: var(--space-md); }
h4 { font-size: var(--text-lg);  margin-bottom: var(--space-sm); }
h5 { font-size: var(--text-md);  margin-bottom: var(--space-sm); }
h6 { font-size: var(--text-base); margin-bottom: var(--space-sm); }

/* ── Section separators ── */
.entry-content h2 {
    margin-top: var(--space-3xl);
    padding-top: var(--space-xl);
    border-top: 2px solid var(--color-gray-200);
}

.entry-content > h2:first-child,
.page-content__body > h2:first-child {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.entry-content hr {
    border: none;
    height: 2px;
    background: linear-gradient(to right, var(--color-primary), var(--color-accent), transparent);
    margin: var(--space-3xl) 0;
}

.entry-content p {
    margin-bottom: var(--space-md);
}

.entry-content ul,
.entry-content ol {
    margin-bottom: var(--space-md);
    padding-left: var(--space-xl);
}

.entry-content ul {
    list-style: disc;
}

.entry-content ol {
    list-style: decimal;
}

.entry-content li {
    margin-bottom: var(--space-xs);
}

.entry-content blockquote {
    border-left: 4px solid var(--color-accent);
    padding: var(--space-md) var(--space-lg);
    margin: var(--space-lg) 0;
    background: var(--color-gray-50);
    font-style: italic;
}

.entry-content img {
    border-radius: var(--radius-md);
}

.entry-content a {
    text-decoration: underline;
    text-underline-offset: 2px;
}

/* ═══════════════════════════════════════
   4. BUTTONS
   ═══════════════════════════════════════ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-sm);
    padding: 0.75rem 1.5rem;
    font-family: var(--font-body);
    font-size: var(--text-base);
    font-weight: var(--weight-semibold);
    line-height: 1;
    text-align: center;
    text-decoration: none;
    border: 2px solid transparent;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-base);
    white-space: nowrap;
}

.btn:hover {
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

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

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

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

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

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

.btn--outline:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

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

.btn--white:hover {
    background: var(--color-gray-100);
    color: var(--color-primary);
}

.btn--sm {
    padding: 0.5rem 1rem;
    font-size: var(--text-sm);
}

.btn--lg {
    padding: 1rem 2rem;
    font-size: var(--text-md);
}

.btn--block {
    display: flex;
    width: 100%;
}

/* ═══════════════════════════════════════
   5. HEADER
   ═══════════════════════════════════════ */

.site-header {
    position: sticky;
    top: 0;
    z-index: var(--z-header);
    background: var(--color-white);
    box-shadow: var(--shadow-sm);
}

.site-header.is-scrolled {
    box-shadow: var(--shadow-md);
}

/* Top bar */
.site-header__topbar {
    background: var(--color-primary-dark);
    color: var(--color-white);
    font-size: var(--text-sm);
    padding: var(--space-xs) 0;
}

.site-header__topbar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-sm);
}

.site-header__contact {
    display: flex;
    gap: var(--space-lg);
}

.site-header__phone,
.site-header__email {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    color: var(--color-white);
    text-decoration: none;
}

.site-header__phone:hover,
.site-header__email:hover {
    color: var(--color-accent-light);
}

.site-header__hours {
    color: var(--color-gray-300);
}

/* Main nav bar */
.site-header__main {
    padding: var(--space-md) 0;
}

.site-header__main-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-lg);
}

.site-header__brand a {
    display: flex;
    align-items: center;
}

.site-header__brand img {
    max-height: 50px;
    width: auto;
}

.site-header__logo-text {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    font-weight: var(--weight-bold);
    color: var(--color-primary-dark);
    text-decoration: none;
}

.site-header__logo-link {
    display: flex;
    align-items: center;
}

.site-header__logo-img {
    max-height: 55px;
    width: auto;
    height: auto;
}

.site-header__cta {
    flex-shrink: 0;
}

/* ═══════════════════════════════════════
   6. NAVIGATION
   ═══════════════════════════════════════ */

.site-nav {
    display: none;
}

.site-nav__list {
    display: flex;
    gap: var(--space-xs);
    list-style: none;
}

.site-nav__list > li {
    position: relative;
}

.site-nav__list > li > a {
    display: block;
    padding: var(--space-sm) var(--space-md);
    color: var(--color-gray-800);
    font-weight: var(--weight-medium);
    font-size: var(--text-sm);
    border-radius: var(--radius-sm);
    transition: all var(--transition-fast);
}

.site-nav__list > li > a:hover,
.site-nav__list > li.current-menu-item > a,
.site-nav__list > li.current-menu-ancestor > a {
    color: var(--color-primary);
    background: var(--color-gray-50);
}

/* Dropdown */
.site-nav__list .sub-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: var(--space-sm) 0;
    z-index: var(--z-dropdown);
    list-style: none;
}

.site-nav__list > li:hover > .sub-menu {
    display: block;
}

.site-nav__list .sub-menu a {
    display: block;
    padding: var(--space-sm) var(--space-md);
    color: var(--color-gray-700);
    font-size: var(--text-sm);
}

.site-nav__list .sub-menu a:hover {
    background: var(--color-gray-50);
    color: var(--color-primary);
}

/* ═══════════════════════════════════════
   7. MOBILE NAVIGATION
   ═══════════════════════════════════════ */

.site-header__toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    padding: 0;
    background: none;
    border: none;
    cursor: pointer;
}

.hamburger {
    display: flex;
    flex-direction: column;
    gap: 5px;
    width: 24px;
}

.hamburger__line {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--color-gray-800);
    border-radius: 2px;
    transition: all var(--transition-base);
}

/* Hamburger → X animation */
.site-header__toggle[aria-expanded="true"] .hamburger__line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.site-header__toggle[aria-expanded="true"] .hamburger__line:nth-child(2) {
    opacity: 0;
}

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

/* Mobile drawer */
.mobile-nav {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--color-white);
    z-index: var(--z-overlay);
    overflow-y: auto;
    padding: 5rem var(--container-padding) var(--space-2xl);
}

.mobile-nav[aria-hidden="false"] {
    display: block;
}

.mobile-nav__list {
    list-style: none;
}

.mobile-nav__list > li > a {
    display: block;
    padding: var(--space-md) 0;
    color: var(--color-gray-800);
    font-size: var(--text-lg);
    font-weight: var(--weight-medium);
    border-bottom: 1px solid var(--color-gray-200);
}

.mobile-nav__list .sub-menu {
    list-style: none;
    padding-left: var(--space-lg);
}

.mobile-nav__list .sub-menu a {
    display: block;
    padding: var(--space-sm) 0;
    color: var(--color-gray-600);
    font-size: var(--text-base);
    border-bottom: 1px solid var(--color-gray-100);
}

.mobile-nav__cta {
    margin-top: var(--space-xl);
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
}

/* ═══════════════════════════════════════
   8. HERO
   ═══════════════════════════════════════ */

.hero {
    position: relative;
    background-color: var(--color-primary-dark);
    background-size: cover;
    background-position: center;
    color: var(--color-white);
    padding: var(--space-4xl) 0;
    text-align: center;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(15, 36, 64, 0.85), rgba(27, 58, 92, 0.75));
}

.hero__content {
    position: relative;
    max-width: 800px;
    margin: 0 auto;
}

.hero__title {
    color: var(--color-white);
    font-size: var(--text-5xl);
    margin-bottom: var(--space-md);
}

.hero__subtitle {
    font-size: var(--text-lg);
    color: var(--color-gray-200);
    margin-bottom: var(--space-xl);
    line-height: var(--leading-relaxed);
}

.hero__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: var(--space-xl);
}

.hero__trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-sm);
}

.hero__stars {
    display: flex;
    gap: 2px;
    color: var(--color-star);
}

.hero__rating {
    font-size: var(--text-sm);
    color: var(--color-gray-300);
}

.hero--small {
    padding: var(--space-2xl) 0;
}

.hero--small .hero__title {
    font-size: var(--text-3xl);
}

/* ═══════════════════════════════════════
   9. CARDS
   ═══════════════════════════════════════ */

.cards {
    display: grid;
    gap: var(--space-lg);
}

.cards--3 {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.cards--4 {
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-gray-200);
    overflow: hidden;
    transition: all var(--transition-base);
}

.card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

/* Category card */
.card--category {
    text-align: center;
    padding: var(--space-2xl) var(--space-lg);
    text-decoration: none;
    color: inherit;
    display: block;
}

.card--category:hover {
    border-color: var(--color-accent);
    color: inherit;
}

.card__icon {
    margin-bottom: var(--space-md);
    color: var(--color-accent);
}

.card__title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    margin-bottom: var(--space-sm);
    color: var(--color-primary-dark);
}

.card__text {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: var(--leading-normal);
    margin-bottom: var(--space-md);
}

.card__link {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    font-size: var(--text-sm);
}

/* Blog post card */
.card--post {
    display: flex;
    flex-direction: column;
}

.card--post .card__image {
    display: block;
    aspect-ratio: 3/2;
    overflow: hidden;
}

.card--post .card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}

.card--post:hover .card__image img {
    transform: scale(1.05);
}

.card__body {
    padding: var(--space-lg);
    flex: 1;
    display: flex;
    flex-direction: column;
}

.card__meta {
    display: flex;
    gap: var(--space-md);
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    margin-bottom: var(--space-sm);
}

.card__category a {
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.card__excerpt {
    flex: 1;
}

/* Perk card */
.card--perk {
    padding: var(--space-lg);
    text-align: center;
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.2);
}

.card--perk .card__title {
    color: var(--color-white);
    font-size: var(--text-lg);
}

.card--perk .card__text {
    color: var(--color-gray-200);
}

/* Service card */
.card--service {
    padding: var(--space-lg);
    text-decoration: none;
    color: inherit;
    display: block;
}

.card--service:hover {
    border-color: var(--color-secondary);
    color: inherit;
}

/* ═══════════════════════════════════════
   10. SECTIONS
   ═══════════════════════════════════════ */

.section {
    padding: var(--section-padding) 0;
}

.section__title {
    text-align: center;
    margin-bottom: var(--space-lg);
    position: relative;
    padding-bottom: var(--space-md);
}

.section__title::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 3px;
    background: var(--color-accent);
    border-radius: var(--radius-full);
}

.section__subtitle {
    text-align: center;
    color: var(--color-gray-600);
    font-size: var(--text-lg);
    margin-bottom: var(--space-2xl);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.section--categories {
    background: var(--color-gray-50);
}

.section--erie-perks {
    background: var(--color-primary-dark);
    color: var(--color-white);
}

.section--erie-perks .section__title {
    color: var(--color-white);
}

.section--erie-perks .section__title::after,
.section--claim-stories .section__title::after {
    background: var(--color-accent-light);
}

.section--erie-perks .btn {
    margin-top: var(--space-xl);
}

.section--reviews {
    background: var(--color-gray-50);
    text-align: center;
}

.section--blog {
    text-align: center;
}

.section--blog .btn {
    margin-top: var(--space-xl);
}

.section--cta {
    background: var(--color-primary);
    color: var(--color-white);
    text-align: center;
}

/* ═══════════════════════════════════════
   11. FORMS
   ═══════════════════════════════════════ */

.search-form__inner {
    display: flex;
    border: 2px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    overflow: hidden;
}

.search-form__input {
    flex: 1;
    padding: var(--space-sm) var(--space-md);
    border: none;
    outline: none;
    font-size: var(--text-base);
}

.search-form__submit {
    background: var(--color-primary);
    color: var(--color-white);
    border: none;
    padding: var(--space-sm) var(--space-md);
    cursor: pointer;
    display: flex;
    align-items: center;
}

.search-form__submit:hover {
    background: var(--color-primary-dark);
}

.quote-form-section {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
}

.quote-form-section__title {
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.quote-form-section__text {
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
    font-size: var(--text-sm);
}

/* ═══════════════════════════════════════
   12. BLOG LAYOUT
   ═══════════════════════════════════════ */

.blog-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
    padding: var(--section-padding) 0;
}

.page-header {
    margin-bottom: var(--space-xl);
}

.page-header__title {
    font-size: var(--text-3xl);
}

.page-header__description {
    color: var(--color-gray-600);
    margin-top: var(--space-sm);
}

.posts-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--space-lg);
}

/* Single post */
.post-single__header {
    margin-bottom: var(--space-xl);
}

.post-single__meta {
    display: flex;
    gap: var(--space-md);
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    margin-bottom: var(--space-md);
}

.post-single__cat {
    background: var(--color-gray-100);
    padding: 2px 8px;
    border-radius: var(--radius-sm);
    font-size: var(--text-xs);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: var(--weight-semibold);
    color: var(--color-accent);
}

.post-single__title {
    font-size: var(--text-4xl);
}

.post-single__excerpt {
    font-size: var(--text-lg);
    color: var(--color-gray-600);
    line-height: var(--leading-relaxed);
}

.post-single__author {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    color: var(--color-gray-600);
    font-size: var(--text-sm);
}

.post-single__author img {
    border-radius: var(--radius-full);
}

.post-single__featured {
    margin-bottom: var(--space-xl);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.post-single__featured figcaption {
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    padding: var(--space-sm) 0;
    text-align: center;
}

.post-single__content {
    font-size: var(--text-md);
    line-height: var(--leading-relaxed);
}

.post-single__footer {
    margin-top: var(--space-2xl);
    padding-top: var(--space-xl);
    border-top: 1px solid var(--color-gray-200);
}

.post-single__tags {
    margin-bottom: var(--space-xl);
    font-size: var(--text-sm);
}

.post-single__tags a {
    color: var(--color-secondary);
}

/* Post CTA */
.post-cta {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    text-align: center;
}

.post-cta h3 {
    margin-bottom: var(--space-sm);
}

.post-cta p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.post-cta__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}

/* Post navigation */
.post-nav {
    margin-top: var(--space-2xl);
    display: flex;
    justify-content: space-between;
    gap: var(--space-lg);
}

.post-nav__label {
    display: block;
    font-size: var(--text-xs);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-gray-500);
    margin-bottom: var(--space-xs);
}

.post-nav__title {
    display: block;
    font-weight: var(--weight-semibold);
}

/* Pagination */
.pagination {
    margin-top: var(--space-2xl);
}

.pagination .nav-links {
    display: flex;
    gap: var(--space-xs);
    justify-content: center;
}

.pagination .page-numbers {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 40px;
    height: 40px;
    padding: 0 var(--space-sm);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-sm);
    font-size: var(--text-sm);
    color: var(--color-gray-700);
}

.pagination .page-numbers.current {
    background: var(--color-primary);
    color: var(--color-white);
    border-color: var(--color-primary);
}

/* Sidebar */
.sidebar .widget {
    margin-bottom: var(--space-xl);
    padding: var(--space-lg);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
}

.sidebar .widget-title {
    font-size: var(--text-lg);
    margin-bottom: var(--space-md);
    padding-bottom: var(--space-sm);
    border-bottom: 2px solid var(--color-accent);
}

/* ═══════════════════════════════════════
   13. INSURANCE PAGES
   ═══════════════════════════════════════ */

.insurance-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
    padding: var(--section-padding) 0;
}

.insurance-why {
    margin-top: var(--space-2xl);
    padding: var(--space-xl);
    background: var(--color-gray-50);
    border-radius: var(--radius-lg);
}

.trust-bar {
    display: flex;
    justify-content: center;
    gap: var(--space-xl);
    flex-wrap: wrap;
    padding: var(--space-lg) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.trust-bar__item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    color: var(--color-gray-700);
}

.trust-bar__item .icon {
    color: var(--color-accent);
}

/* ═══════════════════════════════════════
   14. POLICY SERVICE
   ═══════════════════════════════════════ */

.policy-service {
    padding: var(--section-padding) 0;
}

.policy-service__content {
    margin-bottom: var(--space-2xl);
}

.carrier-links {
    margin-bottom: var(--space-2xl);
}

.carrier-links__title {
    margin-bottom: var(--space-sm);
}

.carrier-links__instruction {
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.carrier-links__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--space-md);
    margin-bottom: var(--space-lg);
}

.carrier-links__card {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-lg);
    background: var(--color-white);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    text-decoration: none;
    color: inherit;
    transition: all var(--transition-base);
}

.carrier-links__card:hover {
    border-color: var(--color-primary);
    box-shadow: var(--shadow-md);
    color: inherit;
}

.carrier-links__card--erie:hover {
    border-color: var(--color-erie);
}

.carrier-links__card--progressive:hover {
    border-color: var(--color-progressive);
}

.carrier-links__name {
    font-weight: var(--weight-bold);
    font-size: var(--text-lg);
}

.carrier-links__action {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    font-size: var(--text-sm);
}

.carrier-links__note {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-sm);
}

.carrier-links__disclaimer {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

/* ═══════════════════════════════════════
   15. CONTACT PAGE
   ═══════════════════════════════════════ */

.contact-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
    padding: var(--section-padding) 0;
}

.contact-card {
    margin-bottom: var(--space-xl);
}

.contact-card__item {
    display: flex;
    gap: var(--space-md);
    padding: var(--space-lg) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.contact-card__item:last-child {
    border-bottom: none;
}

.contact-card__item .icon {
    color: var(--color-accent);
    flex-shrink: 0;
    margin-top: 2px;
}

.contact-card__item h3 {
    font-size: var(--text-base);
    margin-bottom: var(--space-xs);
}

.contact-card__item p {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
}

.contact-map {
    border-radius: var(--radius-lg);
    overflow: hidden;
    margin-bottom: var(--space-lg);
}

.contact-map iframe {
    display: block;
}

.contact-reviews {
    text-align: center;
    padding: var(--space-lg);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
}

/* ═══════════════════════════════════════
   16. TEAM
   ═══════════════════════════════════════ */

.team-intro {
    max-width: var(--container-narrow);
    margin: var(--space-2xl) auto;
    text-align: center;
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--space-xl);
    margin-bottom: var(--space-3xl);
}

.team-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    text-align: center;
}

.team-card__photo img {
    width: 100%;
    aspect-ratio: 4/5;
    object-fit: cover;
}

.team-card__placeholder {
    width: 100%;
    aspect-ratio: 4/5;
    background: var(--color-gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-5xl);
    color: var(--color-gray-400);
    font-family: var(--font-heading);
}

.team-card__info {
    padding: var(--space-lg);
}

.team-card__name {
    font-size: var(--text-xl);
    margin-bottom: var(--space-xs);
}

.team-card__title {
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    margin-bottom: var(--space-md);
}

.team-card__bio {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    margin-bottom: var(--space-md);
}

.team-card__contact {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.team-card__link {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--text-sm);
    color: var(--color-secondary);
}

.team-card__link:hover {
    color: var(--color-primary);
}

/* Office section */
.office-info__details {
    max-width: var(--container-narrow);
    margin: 0 auto;
}

.office-info__details p {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-sm) 0;
    font-size: var(--text-lg);
}

.office-info__details .icon {
    color: var(--color-accent);
    flex-shrink: 0;
}

/* ═══════════════════════════════════════
   17. FOOTER
   ═══════════════════════════════════════ */

.site-footer__main {
    background: var(--color-primary-dark);
    color: var(--color-gray-300);
    padding: var(--space-3xl) 0 var(--space-2xl);
    border-top: 4px solid var(--color-accent);
}

.site-footer__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
}

.site-footer__logo img,
.site-footer__logo-img {
    max-height: 50px;
    width: auto;
    height: auto;
    margin-bottom: var(--space-md);
    filter: brightness(1.2) drop-shadow(0 1px 2px rgba(0, 0, 0, 0.3));
}

.site-footer__title a {
    color: var(--color-white);
    font-family: var(--font-heading);
    text-decoration: none;
}

.site-footer__tagline {
    color: var(--color-gray-400);
    font-size: var(--text-sm);
    margin-bottom: var(--space-lg);
}

.site-footer__contact-info p {
    font-size: var(--text-sm);
    margin-bottom: var(--space-xs);
}

.site-footer__contact-info a {
    color: var(--color-gray-300);
}

.site-footer__contact-info a:hover {
    color: var(--color-accent-light);
}

.site-footer__social {
    display: flex;
    gap: var(--space-md);
    margin-top: var(--space-lg);
}

.site-footer__social-link {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.1);
    color: var(--color-gray-300);
    transition: all var(--transition-base);
}

.site-footer__social-link:hover {
    background: var(--color-accent);
    color: var(--color-white);
}

.site-footer__heading {
    color: var(--color-accent-light);
    font-family: var(--font-body);
    font-size: var(--text-base);
    font-weight: var(--weight-semibold);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--space-lg);
}

.site-footer__links {
    list-style: none;
}

.site-footer__links li {
    margin-bottom: var(--space-sm);
}

.site-footer__links a {
    color: var(--color-gray-400);
    font-size: var(--text-sm);
    text-decoration: none;
    transition: color var(--transition-fast);
}

.site-footer__links a:hover {
    color: var(--color-accent-light);
}

/* Footer bottom */
.site-footer__bottom {
    background: var(--color-black);
    padding: var(--space-md) 0;
}

.site-footer__bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-sm);
}

.site-footer__copyright {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

.site-footer__credit {
    margin-left: 0.5em;
}

.site-footer__credit a {
    color: var(--color-gray-500);
    text-decoration: none;
}

.site-footer__credit a:hover {
    color: var(--color-accent);
}

.site-footer__legal {
    font-size: var(--text-xs);
}

.site-footer__legal a {
    color: var(--color-gray-500);
}

.site-footer__legal a:hover {
    color: var(--color-gray-300);
}

.site-footer__separator {
    margin: 0 var(--space-sm);
    color: var(--color-gray-600);
}

/* ═══════════════════════════════════════
   18. BREADCRUMBS
   ═══════════════════════════════════════ */

.breadcrumbs-bar {
    background: var(--color-gray-50);
    padding: var(--space-sm) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.breadcrumbs__list {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-xs);
    list-style: none;
    font-size: var(--text-sm);
}

.breadcrumbs__item:not(:last-child)::after {
    content: '/';
    margin-left: var(--space-xs);
    color: var(--color-gray-400);
}

.breadcrumbs__item a {
    color: var(--color-secondary);
}

.breadcrumbs__item--current {
    color: var(--color-gray-500);
}

/* ═══════════════════════════════════════
   19. COMPONENTS
   ═══════════════════════════════════════ */

/* Check list */
.check-list {
    list-style: none;
}

.check-list li {
    display: flex;
    gap: var(--space-sm);
    padding: var(--space-sm) 0;
    align-items: flex-start;
}

.check-list .icon {
    color: var(--color-success);
    flex-shrink: 0;
    margin-top: 2px;
}

/* CTA Banner */
.cta-banner {
    max-width: 700px;
    margin: 0 auto;
}

.cta-banner__title {
    color: var(--color-white);
    margin-bottom: var(--space-md);
}

.cta-banner__text {
    font-size: var(--text-lg);
    color: var(--color-gray-200);
    margin-bottom: var(--space-xl);
}

.cta-banner__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}

/* Reviews */
.reviews-summary {
    margin-bottom: var(--space-xl);
}

.reviews-summary__stars {
    display: flex;
    justify-content: center;
    gap: 4px;
    color: var(--color-star);
    margin-bottom: var(--space-sm);
}

.reviews-summary__text {
    font-size: var(--text-lg);
    color: var(--color-gray-700);
}

/* Perks callout */
.perks-callout {
    text-align: center;
}

/* Placeholder image */
.placeholder-image {
    background: var(--color-gray-200);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 300px;
    color: var(--color-gray-500);
    font-style: italic;
}

/* No results */
.no-results {
    text-align: center;
    padding: var(--space-3xl) 0;
}

.no-results h2 {
    margin-bottom: var(--space-md);
}

.no-results p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-xl);
}

.no-results__suggestions {
    margin-top: var(--space-2xl);
    text-align: left;
    max-width: 400px;
    margin-left: auto;
    margin-right: auto;
}

.no-results__suggestions ul {
    list-style: disc;
    padding-left: var(--space-xl);
}

.no-results__suggestions li {
    margin-bottom: var(--space-sm);
}

/* ═══════════════════════════════════════
   20. 404 & SEARCH
   ═══════════════════════════════════════ */

.error-404 {
    text-align: center;
    padding: var(--space-4xl) 0;
    max-width: var(--container-narrow);
    margin: 0 auto;
}

.error-404__title {
    font-size: var(--text-5xl);
    margin-bottom: var(--space-md);
}

.error-404__text {
    font-size: var(--text-lg);
    color: var(--color-gray-600);
    margin-bottom: var(--space-xl);
}

.error-404__search {
    max-width: 500px;
    margin: 0 auto var(--space-2xl);
}

.error-404__links {
    margin-bottom: var(--space-2xl);
}

.error-404__links h2 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-md);
}

.error-404__links ul {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-md);
}

.error-404__links a {
    padding: var(--space-sm) var(--space-md);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    font-weight: var(--weight-medium);
}

.error-404__links a:hover {
    border-color: var(--color-primary);
    background: var(--color-primary);
    color: var(--color-white);
}

.error-404__cta {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}

/* ═══════════════════════════════════════
   21. UTILITIES
   ═══════════════════════════════════════ */

.text-center { text-align: center; }
.text-left   { text-align: left; }
.text-right  { text-align: right; }

.mt-0  { margin-top: 0; }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }

.mb-0  { margin-bottom: 0; }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.mb-xl { margin-bottom: var(--space-xl); }

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* ═══════════════════════════════════════
   22. ACCESSIBILITY
   ═══════════════════════════════════════ */

.skip-link {
    position: absolute;
    top: -100%;
    left: 0;
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-sm) var(--space-md);
    z-index: 999;
    font-weight: var(--weight-semibold);
}

.skip-link:focus {
    top: 0;
}

:focus-visible {
    outline: 3px solid var(--color-accent);
    outline-offset: 2px;
}

/* ═══════════════════════════════════════
   23. WORDPRESS SPECIFIC
   ═══════════════════════════════════════ */

/* WordPress alignment classes */
.alignleft {
    float: left;
    margin-right: var(--space-lg);
    margin-bottom: var(--space-md);
}

.alignright {
    float: right;
    margin-left: var(--space-lg);
    margin-bottom: var(--space-md);
}

.aligncenter {
    display: block;
    margin-left: auto;
    margin-right: auto;
    margin-bottom: var(--space-md);
}

.alignwide {
    max-width: var(--container-wide);
    margin-left: auto;
    margin-right: auto;
}

.alignfull {
    width: 100vw;
    max-width: 100vw;
    margin-left: calc(-50vw + 50%);
}

/* WordPress image captions */
.wp-caption {
    max-width: 100%;
}

.wp-caption-text {
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    padding: var(--space-sm) 0;
    text-align: center;
}

/* WordPress gallery */
.gallery {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--space-md);
    margin-bottom: var(--space-lg);
}

.gallery-item {
    overflow: hidden;
    border-radius: var(--radius-md);
}

.gallery-item img {
    width: 100%;
    height: auto;
}

/* Page links (multi-page posts) */
.page-links {
    margin-top: var(--space-xl);
    font-weight: var(--weight-semibold);
}

.page-links .page-numbers {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 32px;
    height: 32px;
    margin: 0 2px;
    background: var(--color-gray-100);
    border-radius: var(--radius-sm);
}

/* Page Title Banner — styled header for sub-pages */
.page-banner {
    background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 60%, var(--color-secondary-dark) 100%);
    color: var(--color-white);
    padding: var(--space-2xl) 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.page-banner::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(to right, var(--color-accent), var(--color-accent-light), transparent);
}

.page-banner__title {
    color: var(--color-white);
    font-size: var(--text-4xl);
    font-family: var(--font-heading);
    font-weight: var(--weight-bold);
    line-height: var(--leading-tight);
    margin: 0;
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.15);
}
/* Page content */
.page-content {
    padding: var(--section-padding) 0;
}

.page-content__header {
    margin-bottom: var(--space-xl);
}

.page-content__thumbnail {
    margin-bottom: var(--space-xl);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

/* ═══════════════════════════════════════
   24. RESPONSIVE
   ═══════════════════════════════════════ */

/* Tablet (768px+) */
@media (min-width: 768px) {
    .split {
        grid-template-columns: 1fr 1fr;
    }

    .split--reverse .split__media {
        order: 1;
    }

    .blog-layout {
        grid-template-columns: 1fr 300px;
    }

    .insurance-layout {
        grid-template-columns: 1fr 350px;
    }

    .contact-layout {
        grid-template-columns: 1fr 1fr;
    }

    .site-footer__grid {
        grid-template-columns: 2fr 1fr 1fr 1fr;
    }
}

/* Desktop (1024px+) */
@media (min-width: 1024px) {
    /* Show desktop nav, hide mobile toggle */
    .site-nav {
        display: block;
    }

    .site-header__toggle {
        display: none;
    }

    /* Hide top bar on very small screens, show on desktop */
    .site-header__topbar {
        display: block;
    }
}

/* Tablet (768px–1023px) */
@media (min-width: 768px) and (max-width: 1023px) {
    .hero__title {
        font-size: var(--text-3xl);
    }

    .hero__subtitle {
        font-size: var(--text-md);
    }

    .cards--4 {
        grid-template-columns: 1fr 1fr;
    }

    .insurance-layout {
        grid-template-columns: 1fr 300px;
        gap: var(--space-lg);
    }

    .insurance-midcta__inner {
        padding: var(--space-lg);
    }

    .insurance-related-coverage__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .sidebar-trust {
        gap: var(--space-sm);
    }

    .sidebar-trust__item {
        padding: var(--space-sm);
    }

    .sidebar-trust__item .icon {
        width: 24px;
        height: 24px;
    }
}

/* Mobile only (below 768px) */
@media (max-width: 767px) {
    .site-header__topbar {
        display: none;
    }

    .site-header__cta {
        display: none;
    }

    /* Typography scaling */
    .hero__title {
        font-size: var(--text-2xl);
    }

    .hero__subtitle {
        font-size: var(--text-base);
    }

    .section__title {
        font-size: var(--text-xl);
    }

    .section__subtitle {
        font-size: var(--text-sm);
    }

    .hero__actions {
        flex-direction: column;
        align-items: center;
    }

    .hero__actions .btn {
        width: 100%;
        max-width: 300px;
    }

    .trust-bar {
        flex-direction: column;
        align-items: center;
    }

    .cta-banner__actions {
        flex-direction: column;
        align-items: center;
    }

    .cta-banner__actions .btn {
        width: 100%;
        max-width: 300px;
    }

    .post-nav {
        flex-direction: column;
    }

    .site-footer__bottom-inner {
        flex-direction: column;
        text-align: center;
    }

    /* Insurance template mobile */
    .insurance-layout {
        grid-template-columns: 1fr;
    }

    .insurance-layout__sidebar {
        position: static !important;
        order: -1;
        margin-bottom: var(--space-xl);
    }

    .insurance-midcta__inner {
        padding: var(--space-lg);
    }

    .insurance-midcta h3 {
        font-size: var(--text-xl);
    }

    .insurance-midcta__actions {
        flex-direction: column;
        align-items: center;
    }

    .insurance-midcta__actions .btn {
        width: 100%;
        max-width: 280px;
    }

    .insurance-related-coverage__grid {
        grid-template-columns: 1fr;
    }

    /* Cards responsive */
    .cards--3,
    .cards--4 {
        grid-template-columns: 1fr;
    }

    .card {
        padding: var(--space-lg);
    }

    /* Steps responsive */
    .steps {
        grid-template-columns: 1fr;
        gap: var(--space-lg);
    }

    .step {
        padding: var(--space-lg) var(--space-md);
    }

    /* Form grid mobile */
    .form-grid-2 {
        grid-template-columns: 1fr;
    }

    /* CTA banner */
    .cta-banner {
        padding: var(--space-xl) var(--space-lg);
    }

    .cta-banner__title {
        font-size: var(--text-xl);
    }

    /* Check list mobile */
    .check-list li {
        flex-direction: row;
        align-items: flex-start;
    }

    /* Sidebar trust badges stack horizontally on mobile */
    .sidebar-trust {
        display: grid;
        grid-template-columns: 1fr;
        gap: var(--space-sm);
    }

    /* Trust strip mobile */
    .trust-strip__items {
        flex-direction: column;
        gap: var(--space-xs);
        align-items: center;
    }

    /* Communities mobile */
    .communities-grid {
        gap: var(--space-xs);
    }

    .community-tag {
        padding: var(--space-xs) var(--space-sm);
        font-size: var(--text-xs);
    }

    /* Perks callout */
    .perks-callout {
        padding: var(--space-xl) var(--space-lg);
    }
}

/* Mobile sticky CTA bar */
@media (max-width: 767px) {
    .mobile-sticky-cta {
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        background: var(--color-white);
        box-shadow: 0 -2px 10px rgba(0, 0, 0, 0.1);
        padding: var(--space-sm) var(--container-padding);
        display: flex;
        gap: var(--space-sm);
        z-index: var(--z-sticky);
    }

    .mobile-sticky-cta .btn {
        flex: 1;
        font-size: var(--text-sm);
        padding: var(--space-sm);
    }

    /* Add bottom padding to body for sticky CTA */
    body {
        padding-bottom: 60px;
    }
}

/* ═══════════════════════════════════════
   25. TRUST STRIP
   ═══════════════════════════════════════ */

.trust-strip {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-md) 0;
}

.trust-strip__items {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-lg);
}

.trust-strip__item {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    color: var(--color-white);
    white-space: nowrap;
}

.trust-strip__item .icon {
    color: var(--color-accent-light);
    flex-shrink: 0;
}

@media (max-width: 767px) {
    .trust-strip__items {
        gap: var(--space-sm) var(--space-lg);
        font-size: var(--text-xs);
    }
}

/* ═══════════════════════════════════════
   26. HOW IT WORKS / STEPS
   ═══════════════════════════════════════ */

.steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: var(--space-xl);
    counter-reset: step;
}

.step {
    text-align: center;
    padding: var(--space-xl) var(--space-lg);
    position: relative;
}

.step__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    border-radius: var(--radius-full);
    background: var(--color-accent);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    font-weight: var(--weight-bold);
    margin-bottom: var(--space-md);
}

.step__title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.step__text {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
}

/* ═══════════════════════════════════════
   27. COMMUNITIES / LOCAL SECTION
   ═══════════════════════════════════════ */

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

.communities-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-lg);
}

.community-tag {
    display: inline-block;
    padding: var(--space-sm) var(--space-md);
    background: var(--color-white);
    border: 2px solid var(--color-primary-light);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    color: var(--color-primary);
    transition: all var(--transition-base);
}

.community-tag:hover {
    background: var(--color-primary);
    color: var(--color-accent-light);
    border-color: var(--color-primary);
}

.communities-note {
    text-align: center;
    color: var(--color-gray-600);
    font-size: var(--text-sm);
}

/* ═══════════════════════════════════════
   28. HERO EYEBROW & ENHANCEMENTS
   ═══════════════════════════════════════ */

.hero__eyebrow {
    display: inline-block;
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--color-accent-light);
    margin-bottom: var(--space-md);
}

.section__eyebrow {
    display: block;
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--color-accent-light);
    margin-bottom: var(--space-sm);
}

.section__lead {
    font-size: var(--text-md);
    color: var(--color-gray-600);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-xl);
}

/* Enhanced check-list with descriptions */
.check-list li div {
    display: flex;
    flex-direction: column;
}

.check-list li div span {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-top: 2px;
}

/* CTA banner hours line */
.cta-banner__hours {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-xs);
    margin-top: var(--space-lg);
    font-size: var(--text-sm);
    color: var(--color-gray-300);
}

.cta-banner__hours .icon {
    opacity: 0.7;
}

/* Reviews actions */
.reviews-actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
    margin-top: var(--space-xl);
}

/* ═══════════════════════════════════════
   29. FORMS — INSURANCE TYPE SPECIFIC
   ═══════════════════════════════════════ */

.form-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 0;
    margin-bottom: var(--space-lg);
    border-bottom: 2px solid var(--color-gray-200);
}

.form-tab {
    padding: var(--space-sm) var(--space-md);
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    color: var(--color-gray-600);
    background: none;
    border: none;
    border-bottom: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition-fast);
    margin-bottom: -2px;
}

.form-tab:hover,
.form-tab.is-active {
    color: var(--color-primary);
    border-bottom-color: var(--color-accent);
}

.callback-form {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
}

.callback-form__title {
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.callback-form__text {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.callback-form .form-row {
    margin-bottom: var(--space-md);
}

.callback-form label {
    display: block;
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    color: var(--color-gray-700);
    margin-bottom: var(--space-xs);
}

.callback-form input,
.callback-form select,
.callback-form textarea {
    width: 100%;
    padding: var(--space-sm) var(--space-md);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    transition: border-color var(--transition-fast);
}

.callback-form input:focus,
.callback-form select:focus,
.callback-form textarea:focus {
    border-color: var(--color-accent);
    outline: none;
    box-shadow: 0 0 0 3px rgba(212, 133, 31, 0.15);
}

.callback-form textarea {
    resize: vertical;
    min-height: 100px;
}

.form-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-md);
}

/* ═══════════════════════════════════════
   30. INSURANCE TEMPLATE ENHANCEMENTS
   ═══════════════════════════════════════ */

/* Trust Bar — Below hero on insurance pages */
.trust-bar {
    background: var(--color-primary-dark);
    padding: var(--space-sm) 0;
}

.trust-bar__items {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-lg);
}

.trust-bar__item {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    color: var(--color-white);
    white-space: nowrap;
}

.trust-bar__item .icon {
    color: var(--color-accent-light);
    flex-shrink: 0;
}

@media (max-width: 767px) {
    .trust-bar__items {
        gap: var(--space-xs) var(--space-md);
    }

    .trust-bar__item {
        font-size: var(--text-xs);
    }
}

/* Mid-page CTA — conversion breakpoint inside content */
.insurance-midcta {
    margin: var(--space-2xl) 0;
}

.insurance-midcta__inner {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl) var(--space-2xl);
    text-align: center;
}

.insurance-midcta h3 {
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    color: var(--color-white);
    margin-bottom: var(--space-sm);
}

.insurance-midcta p {
    color: rgba(255, 255, 255, 0.9);
    font-size: var(--text-md);
    margin-bottom: var(--space-lg);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.insurance-midcta__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}

.insurance-midcta__actions .btn--outline {
    color: var(--color-white);
    border-color: rgba(255, 255, 255, 0.5);
}

.insurance-midcta__actions .btn--outline:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--color-white);
}

/* Related Coverage Grid — sibling page links */
.insurance-related-coverage {
    margin-top: var(--space-2xl);
    padding-top: var(--space-xl);
    border-top: 1px solid var(--color-gray-200);
}

.insurance-related-coverage h2 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-lg);
}

.insurance-related-coverage__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: var(--space-sm);
}

.insurance-related-coverage__item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-md);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    color: var(--color-primary);
    font-weight: var(--weight-medium);
    font-size: var(--text-sm);
    text-decoration: none;
    transition: all var(--transition-fast);
}

.insurance-related-coverage__item:hover {
    border-color: var(--color-accent);
    background: var(--color-gray-50);
    transform: translateX(4px);
}

.insurance-related-coverage__item .icon {
    color: var(--color-accent);
    flex-shrink: 0;
}

/* Sidebar Trust Badges */
.sidebar-trust {
    margin-top: var(--space-xl);
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
}

.sidebar-trust__item {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    padding: var(--space-md);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
}

.sidebar-trust__item .icon {
    color: var(--color-accent);
    flex-shrink: 0;
}

.sidebar-trust__item strong {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-primary-dark);
}

.sidebar-trust__item span {
    font-size: var(--text-xs);
    color: var(--color-gray-600);
}

/* Sidebar Call Prompt */
.sidebar-call {
    margin-top: var(--space-lg);
    text-align: center;
    padding: var(--space-lg);
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
}

.sidebar-call p strong {
    font-size: var(--text-md);
    color: var(--color-primary-dark);
}

.sidebar-call .btn--block {
    display: block;
    width: 100%;
    margin-top: var(--space-sm);
}

.sidebar-call__hours {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-xs);
    margin-top: var(--space-sm);
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

/* Sticky sidebar on desktop */
@media (min-width: 768px) {
    .insurance-layout__sidebar {
        position: sticky;
        top: 100px;
        align-self: start;
    }
}

@media (max-width: 480px) {
    .form-grid-2 {
        grid-template-columns: 1fr;
    }
}

/* ═══════════════════════════════════════
   31. ANIMATED STATS COUNTERS
   ═══════════════════════════════════════ */

.section--stats {
    background: var(--color-primary-dark);
    padding: var(--space-2xl) 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-xl);
    text-align: center;
}

.stat {
    color: var(--color-white);
}

.stat__number {
    font-family: var(--font-heading);
    font-size: 3rem;
    font-weight: var(--weight-bold);
    color: var(--color-accent-light);
    line-height: 1;
}

.stat__suffix {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: var(--weight-bold);
    color: var(--color-accent-light);
}

.stat__label {
    display: block;
    margin-top: var(--space-xs);
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    color: rgba(255, 255, 255, 0.8);
}

@media (max-width: 767px) {
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-lg);
    }

    .stat__number {
        font-size: 2.25rem;
    }

    .stat__suffix {
        font-size: 1.25rem;
    }
}

/* ═══════════════════════════════════════
   32. CLAIMS CENTER STYLES
   ═══════════════════════════════════════ */

.claims-emergency {
    background: linear-gradient(135deg, var(--color-accent) 0%, #c5761a 100%);
    color: var(--color-white);
    padding: var(--space-xl) var(--space-2xl);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-2xl);
    text-align: center;
}

.claims-emergency h2 {
    color: var(--color-white);
    margin-bottom: var(--space-sm);
}

.claims-emergency a {
    color: var(--color-white);
    font-weight: var(--weight-bold);
    text-decoration: underline;
    font-size: var(--text-xl);
}

.steps-list {
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
    margin-bottom: var(--space-2xl);
}

.step-item {
    display: flex;
    gap: var(--space-lg);
    align-items: flex-start;
}

.step-item__number {
    display: flex;
    align-items: center;
    justify-content: center;
    min-width: 48px;
    height: 48px;
    border-radius: var(--radius-full);
    background: var(--color-accent);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    font-weight: var(--weight-bold);
    flex-shrink: 0;
}

.step-item__content h3 {
    font-size: var(--text-lg);
    margin-bottom: var(--space-xs);
}

.step-item__content p {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
}

.carrier-claims-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--space-lg);
    margin: var(--space-lg) 0 var(--space-2xl);
}

.carrier-claims-card {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
}

.carrier-claims-card h3 {
    color: var(--color-primary);
    margin-bottom: var(--space-sm);
}

/* ═══════════════════════════════════════
   33. CARRIER PARTNERS STYLES
   ═══════════════════════════════════════ */

.carrier-detail {
    margin-bottom: var(--space-2xl);
    padding-bottom: var(--space-xl);
    border-bottom: 1px solid var(--color-gray-200);
}

.carrier-detail:last-of-type {
    border-bottom: none;
}

.carrier-detail h2 {
    color: var(--color-primary);
}

.carrier-detail h3 {
    font-size: var(--text-lg);
    margin-top: var(--space-lg);
    margin-bottom: var(--space-sm);
}

/* ═══════════════════════════════════════
   34. SERVICES GRID (shared by overview pages)
   ═══════════════════════════════════════ */

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--space-lg);
    margin: var(--space-xl) 0;
}

.service-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    transition: all var(--transition-base);
}

.service-card:hover {
    border-color: var(--color-accent);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.service-card h3 {
    font-size: var(--text-lg);
    margin-bottom: var(--space-sm);
}

.service-card h3 a {
    color: var(--color-primary);
    text-decoration: none;
}

.service-card h3 a:hover {
    color: var(--color-accent);
}

.service-card p {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-md);
}

/* ═══════════════════════════════════════
   35. CTA BLOCK (inline call-to-action)
   ═══════════════════════════════════════ */

.cta-block {
    background: var(--color-gray-50);
    border-left: 4px solid var(--color-accent);
    padding: var(--space-xl);
    border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
    margin: var(--space-2xl) 0;
}

.cta-block h3 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-sm);
}

.cta-block p {
    color: var(--color-gray-600);
    line-height: var(--leading-relaxed);
}

/* ═══════════════════════════════════════
   36. PAGE INTRO (shared heading block)
   ═══════════════════════════════════════ */

.page-intro {
    max-width: 800px;
    margin-bottom: var(--space-2xl);
}

.page-intro h2 {
    font-size: var(--text-3xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-md);
}

.page-intro p {
    color: var(--color-gray-600);
    font-size: var(--text-md);
    line-height: var(--leading-relaxed);
}

@media (max-width: 767px) {
    .step-item {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .claims-emergency {
        padding: var(--space-lg);
    }

    .page-intro h2 {
        font-size: var(--text-2xl);
    }
}

/* ═══════════════════════════════════════
   37. EXIT-INTENT POPUP
   ═══════════════════════════════════════ */

.exit-popup {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 10000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
}

.exit-popup.is-visible {
    opacity: 1;
    visibility: visible;
}

.exit-popup__overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
}

.exit-popup__content {
    position: relative;
    background: #fff;
    border-radius: var(--radius-lg);
    padding: var(--space-2xl);
    max-width: 480px;
    width: 90%;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    transform: translateY(20px);
    transition: transform 0.3s ease;
    text-align: center;
}

.exit-popup.is-visible .exit-popup__content {
    transform: translateY(0);
}

.exit-popup__close {
    position: absolute;
    top: var(--space-sm);
    right: var(--space-sm);
    background: none;
    border: none;
    font-size: 1.75rem;
    cursor: pointer;
    color: var(--color-gray-500);
    line-height: 1;
    padding: var(--space-xs);
}

.exit-popup__close:hover {
    color: var(--color-gray-800);
}

.exit-popup__title {
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.exit-popup__text {
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.exit-popup__form {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.exit-popup__form input,
.exit-popup__form select {
    padding: 0.75rem 1rem;
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    width: 100%;
}

.exit-popup__form input:focus,
.exit-popup__form select:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(212, 133, 31, 0.15);
}

.exit-popup__success {
    padding: var(--space-lg);
}

.exit-popup__success .icon {
    color: #22c55e;
    margin-bottom: var(--space-sm);
}

.exit-popup__footer {
    margin-top: var(--space-md);
    color: var(--color-gray-500);
    font-size: var(--text-sm);
}

/* ═══════════════════════════════════════
   38. MULTI-STEP QUOTE FORM
   ═══════════════════════════════════════ */

.section--quote-wizard {
    background: var(--color-gray-50);
}

.multistep-form-wrapper {
    max-width: 720px;
    margin: 0 auto;
}

.multistep-form__progress {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-bottom: var(--space-xl);
}

.multistep-form__indicator {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    position: relative;
}

.multistep-form__indicator-num {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--color-gray-200);
    color: var(--color-gray-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: var(--text-sm);
    transition: all 0.3s ease;
}

.multistep-form__indicator.is-active .multistep-form__indicator-num {
    background: var(--color-accent);
    color: #fff;
}

.multistep-form__indicator.is-completed .multistep-form__indicator-num {
    background: #22c55e;
    color: #fff;
}

.multistep-form__indicator-label {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    font-weight: 500;
}

.multistep-form__indicator.is-active .multistep-form__indicator-label {
    color: var(--color-primary-dark);
    font-weight: 700;
}

.multistep-form__indicator-line {
    width: 60px;
    height: 2px;
    background: var(--color-gray-200);
    margin: 0 var(--space-sm);
    margin-bottom: 20px;
}

.multistep-form__step {
    display: none;
    animation: fadeSlideIn 0.3s ease;
}

.multistep-form__step.is-active {
    display: block;
}

@keyframes fadeSlideIn {
    from {
        opacity: 0;
        transform: translateX(20px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.multistep-form__step-title {
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-lg);
    text-align: center;
}

.multistep-form__type-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-sm);
    margin-bottom: var(--space-lg);
}

.multistep-form__type-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-xs);
    padding: var(--space-md) var(--space-sm);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    background: #fff;
    cursor: pointer;
    transition: all 0.2s ease;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gray-700);
}

.multistep-form__type-card:hover {
    border-color: var(--color-accent);
    background: var(--color-accent-light, rgba(212, 133, 31, 0.05));
}

.multistep-form__type-card.is-selected {
    border-color: var(--color-accent);
    background: rgba(212, 133, 31, 0.08);
    color: var(--color-primary-dark);
    box-shadow: 0 0 0 3px rgba(212, 133, 31, 0.15);
}

.multistep-form__type-card .icon {
    color: var(--color-accent);
}

.multistep-form__actions {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    margin-top: var(--space-lg);
}

.multistep-form__success {
    text-align: center;
    padding: var(--space-2xl);
}

.multistep-form__success .icon {
    color: #22c55e;
    margin-bottom: var(--space-md);
}

.multistep-form__success h3 {
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.multistep-form__error {
    text-align: center;
    color: #dc2626;
    padding: var(--space-md);
    background: #fef2f2;
    border-radius: var(--radius-md);
    margin-top: var(--space-md);
}

.multistep-form__or {
    text-align: center;
    margin: var(--space-lg) 0;
    position: relative;
}

.multistep-form__or::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 1px;
    background: var(--color-gray-200);
}

.multistep-form__or span {
    position: relative;
    background: var(--color-gray-50);
    padding: 0 var(--space-md);
    color: var(--color-gray-500);
    font-size: var(--text-sm);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.multistep-form__calendly .btn {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    justify-content: center;
}

.is-invalid {
    border-color: #dc2626 !important;
    box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.1) !important;
}

@media (max-width: 767px) {
    .multistep-form__type-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .multistep-form__indicator-line {
        width: 30px;
    }

    .multistep-form__actions {
        flex-direction: column;
    }

    .exit-popup__content {
        padding: var(--space-lg);
        width: 95%;
    }
}

/* ═══════════════════════════════════════
   39. VIDEO SECTION
   ═══════════════════════════════════════ */

.video-section {
    margin: var(--space-2xl) 0;
}

.video-section__wrapper {
    position: relative;
    padding-bottom: 56.25%;
    height: 0;
    overflow: hidden;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.video-section__wrapper iframe,
.video-section__wrapper video {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border: none;
}

.video-section__caption {
    margin-top: var(--space-sm);
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    text-align: center;
}

/* ═══════════════════════════════════════
   40. BLOG POST CARDS (enhanced)
   ═══════════════════════════════════════ */

.post-card {
    background: #fff;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.post-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.post-card__image {
    aspect-ratio: 16 / 9;
    overflow: hidden;
}

.post-card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.post-card:hover .post-card__image img {
    transform: scale(1.05);
}

.post-card__body {
    padding: var(--space-lg);
}

.post-card__meta {
    display: flex;
    gap: var(--space-sm);
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    margin-bottom: var(--space-sm);
}

.post-card__category {
    background: var(--color-accent);
    color: #fff;
    padding: 2px 8px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.post-card__title {
    font-size: var(--text-lg);
    line-height: var(--leading-snug);
    margin-bottom: var(--space-sm);
}

.post-card__title a {
    color: var(--color-primary-dark);
    text-decoration: none;
}

.post-card__title a:hover {
    color: var(--color-accent);
}

.post-card__excerpt {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-md);
}

.post-card__read-more {
    font-weight: 600;
    color: var(--color-accent);
    text-decoration: none;
    font-size: var(--text-sm);
}

.post-card__read-more:hover {
    text-decoration: underline;
}

/* ═══════════════════════════════════════
   41. SOCIAL PROOF TOAST NOTIFICATIONS
   ═══════════════════════════════════════ */

.social-proof-toast {
    position: fixed;
    bottom: 24px;
    left: 24px;
    z-index: 9000;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.15);
    border-left: 4px solid var(--color-accent);
    padding: var(--space-md) var(--space-lg);
    max-width: 340px;
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.4s ease, transform 0.4s ease;
    pointer-events: none;
}

.social-proof-toast.is-visible {
    opacity: 1;
    transform: translateY(0);
}

.social-proof-toast__content {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.social-proof-toast__content .icon {
    color: var(--color-accent);
    flex-shrink: 0;
}

.social-proof-toast__content p {
    font-size: var(--text-sm);
    line-height: var(--leading-snug);
    color: var(--color-gray-700);
    margin: 0;
}

.social-proof-toast__time {
    display: block;
    font-size: var(--text-xs);
    color: var(--color-gray-400);
    margin-top: 2px;
}

/* ═══════════════════════════════════════
   42. SEASONAL URGENCY BANNER
   ═══════════════════════════════════════ */

.seasonal-banner {
    background: var(--color-primary-dark);
    color: var(--color-white);
    padding: var(--space-sm) 0;
    font-size: var(--text-sm);
    line-height: var(--leading-snug);
}

.seasonal-banner .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--space-md);
}

.seasonal-banner p {
    margin: 0;
}

.seasonal-banner a {
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    text-decoration: none;
    white-space: nowrap;
}

.seasonal-banner a:hover {
    text-decoration: underline;
}

.seasonal-banner__close {
    background: none;
    border: none;
    color: var(--color-white);
    font-size: 1.25rem;
    cursor: pointer;
    padding: 0;
    line-height: 1;
    opacity: 0.7;
    flex-shrink: 0;
}

.seasonal-banner__close:hover {
    opacity: 1;
}

/* ═══════════════════════════════════════
   43. AUTHORITY BADGES SECTION
   ═══════════════════════════════════════ */

.authority-badges {
    background: var(--color-white);
    border-top: 1px solid var(--color-gray-100);
    border-bottom: 1px solid var(--color-gray-100);
    padding: var(--space-xl) 0;
}

.authority-badges__grid {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-xl) var(--space-2xl);
}

.authority-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-xs);
    text-align: center;
}

.authority-badge__icon {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-full);
    background: var(--color-gray-50);
    border: 2px solid var(--color-gray-200);
}

.authority-badge__icon .icon {
    width: 28px;
    height: 28px;
    color: var(--color-primary);
}

.authority-badge__label {
    font-size: var(--text-xs);
    font-weight: var(--weight-semibold);
    color: var(--color-gray-600);
    line-height: var(--leading-snug);
    max-width: 100px;
}

/* ═══════════════════════════════════════
   44. CLAIM STORIES SECTION
   ═══════════════════════════════════════ */

.section--claim-stories {
    background: var(--color-primary-dark);
    color: var(--color-white);
}

.section--claim-stories .section__title {
    color: var(--color-white);
}

.section--claim-stories .section__subtitle {
    color: rgba(255, 255, 255, 0.7);
}

.claim-stories-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--space-lg);
}

.claim-story {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    transition: background 0.2s ease;
}

.claim-story:hover {
    background: rgba(255, 255, 255, 0.12);
}

.claim-story__icon {
    font-size: 2rem;
    margin-bottom: var(--space-sm);
}

.claim-story__scenario {
    font-size: var(--text-xs);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-accent);
    font-weight: var(--weight-semibold);
    margin-bottom: var(--space-xs);
}

.claim-story__title {
    font-size: var(--text-lg);
    font-weight: var(--weight-bold);
    margin-bottom: var(--space-sm);
}

.claim-story__text {
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: var(--space-md);
}

.claim-story__result {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    color: #86efac;
}

.claim-story__result .icon {
    color: #86efac;
}

/* ═══════════════════════════════════════
   45. REASSURANCE MICRO-COPY
   ═══════════════════════════════════════ */

.reassurance {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-lg);
    flex-wrap: wrap;
    margin-top: var(--space-md);
    font-size: var(--text-xs);
    color: var(--color-gray-500);
}

.reassurance__item {
    display: flex;
    align-items: center;
    gap: 4px;
}

.reassurance__item .icon {
    width: 14px;
    height: 14px;
    color: #22c55e;
}

/* ═══════════════════════════════════════
   46. INSURANCE READINESS QUIZ
   ═══════════════════════════════════════ */

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

.quiz-wrapper {
    max-width: 640px;
    margin: 0 auto;
}

.quiz__question {
    display: none;
    animation: fadeSlideIn 0.3s ease;
}

.quiz__question.is-active {
    display: block;
}

.quiz__progress {
    height: 6px;
    background: var(--color-gray-200);
    border-radius: var(--radius-full);
    margin-bottom: var(--space-xl);
    overflow: hidden;
}

.quiz__progress-bar {
    height: 100%;
    background: var(--color-accent);
    border-radius: var(--radius-full);
    transition: width 0.4s ease;
}

.quiz__question-text {
    font-size: var(--text-xl);
    font-weight: var(--weight-bold);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-lg);
    text-align: center;
}

.quiz__options {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.quiz__option {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    padding: var(--space-md) var(--space-lg);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    background: var(--color-white);
    cursor: pointer;
    transition: all 0.2s ease;
    font-size: var(--text-base);
    color: var(--color-gray-700);
}

.quiz__option:hover {
    border-color: var(--color-accent);
    background: rgba(212, 133, 31, 0.04);
}

.quiz__option.is-selected {
    border-color: var(--color-accent);
    background: rgba(212, 133, 31, 0.08);
    font-weight: var(--weight-semibold);
    color: var(--color-primary-dark);
}

.quiz__option-letter {
    width: 32px;
    height: 32px;
    border-radius: var(--radius-full);
    background: var(--color-gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: var(--weight-bold);
    font-size: var(--text-sm);
    color: var(--color-gray-500);
    flex-shrink: 0;
    transition: all 0.2s ease;
}

.quiz__option.is-selected .quiz__option-letter {
    background: var(--color-accent);
    color: var(--color-white);
}

.quiz__result {
    display: none;
    text-align: center;
    animation: fadeSlideIn 0.3s ease;
}

.quiz__result.is-active {
    display: block;
}

.quiz__result-score {
    font-size: var(--text-4xl, 2.5rem);
    font-weight: var(--weight-black, 900);
    color: var(--color-accent);
    line-height: 1;
    margin-bottom: var(--space-sm);
}

.quiz__result-label {
    font-size: var(--text-xl);
    font-weight: var(--weight-bold);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-md);
}

.quiz__result-text {
    color: var(--color-gray-600);
    font-size: var(--text-md);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-xl);
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
}

@media (max-width: 767px) {
    .social-proof-toast {
        left: 12px;
        right: 12px;
        bottom: 80px;
        max-width: none;
    }

    .authority-badges__grid {
        gap: var(--space-md) var(--space-lg);
    }

    .authority-badge__icon {
        width: 44px;
        height: 44px;
    }

    .authority-badge__icon .icon {
        width: 22px;
        height: 22px;
    }

    .claim-stories-grid {
        grid-template-columns: 1fr;
    }

    .reassurance {
        flex-direction: column;
        gap: var(--space-xs);
    }
}

/* ═══════════════════════════════════════
   47. COMPARISON TABLES
   ═══════════════════════════════════════ */

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    margin: var(--space-xl) 0;
    font-size: var(--text-sm);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.comparison-table thead {
    background: var(--color-primary-dark);
    color: var(--color-white);
}

.comparison-table th {
    padding: var(--space-md) var(--space-lg);
    text-align: left;
    font-weight: var(--weight-semibold);
    white-space: nowrap;
}

.comparison-table td {
    padding: var(--space-md) var(--space-lg);
    border-bottom: 1px solid var(--color-gray-100);
    vertical-align: top;
}

.comparison-table tbody tr:nth-child(even) {
    background: var(--color-gray-50);
}

.comparison-table tbody tr:hover {
    background: rgba(212, 133, 31, 0.04);
}

.comparison-table td:first-child {
    font-weight: var(--weight-medium);
    color: var(--color-gray-700);
}

.comparison-table td strong {
    color: var(--color-primary-dark);
}

/* ═══════════════════════════════════════
   48. GLOSSARY PAGES
   ═══════════════════════════════════════ */

.glossary-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    justify-content: center;
    margin: var(--space-xl) 0;
    padding: var(--space-md) 0;
    border-bottom: 1px solid var(--color-gray-200);
}

.glossary-nav__letter {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: var(--radius-md);
    font-weight: var(--weight-bold);
    font-size: var(--text-sm);
    color: var(--color-primary);
    text-decoration: none;
    transition: all 0.2s ease;
}

.glossary-nav__letter:hover {
    background: var(--color-accent);
    color: var(--color-white);
}

.glossary-nav__letter--disabled {
    color: var(--color-gray-300);
    cursor: default;
}

.glossary-nav__letter--disabled:hover {
    background: none;
    color: var(--color-gray-300);
}

.glossary-search {
    position: relative;
    max-width: 480px;
    margin: 0 auto var(--space-2xl);
}

.glossary-search__input {
    width: 100%;
    padding: var(--space-md) var(--space-lg) var(--space-md) 3rem;
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-full);
    font-size: var(--text-base);
    transition: border-color 0.2s ease;
}

.glossary-search__input:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(212, 133, 31, 0.15);
}

.glossary-search__icon {
    position: absolute;
    left: var(--space-lg);
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-gray-400);
}

.glossary-letter-heading {
    font-size: var(--text-3xl);
    color: var(--color-accent);
    font-weight: var(--weight-black, 900);
    padding-bottom: var(--space-sm);
    border-bottom: 2px solid var(--color-accent);
    margin-bottom: var(--space-lg);
    margin-top: var(--space-2xl);
}

.glossary-letter-group:first-child .glossary-letter-heading {
    margin-top: 0;
}

.glossary-term {
    margin-bottom: var(--space-lg);
    padding-bottom: var(--space-lg);
    border-bottom: 1px solid var(--color-gray-100);
}

.glossary-term:last-child {
    border-bottom: none;
}

.glossary-term__title {
    font-size: var(--text-lg);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-xs);
}

.glossary-term__definition {
    color: var(--color-gray-600);
    line-height: var(--leading-relaxed);
    font-size: var(--text-base);
}

.glossary-term__link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    margin-top: var(--space-xs);
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    color: var(--color-accent);
    text-decoration: none;
}

.glossary-term__link:hover {
    text-decoration: underline;
}

.glossary-term.is-hidden {
    display: none;
}

/* ═══════════════════════════════════════
   49. LOCATION PAGES
   ═══════════════════════════════════════ */

.hero--location {
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
}

.location-services {
    margin: var(--space-2xl) 0;
}

.location-services h2 {
    margin-bottom: var(--space-lg);
}

@media (max-width: 767px) {
    .comparison-table {
        font-size: var(--text-xs);
    }

    .comparison-table th,
    .comparison-table td {
        padding: var(--space-sm) var(--space-md);
    }

    .glossary-nav__letter {
        width: 30px;
        height: 30px;
        font-size: var(--text-xs);
    }
}


/* ═══════════════════════════════════════
   50. THANK-YOU PAGE
   ═══════════════════════════════════════ */

.thank-you-page {
    padding: var(--section-padding) 0;
    background: var(--color-gray-50);
    min-height: 70vh;
    display: flex;
    align-items: center;
}

.thank-you-page__card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: var(--space-3xl) var(--space-2xl);
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.thank-you-page__icon {
    margin-bottom: var(--space-lg);
}

.thank-you-page__checkmark {
    stroke-dasharray: 60;
    stroke-dashoffset: 60;
    animation: checkDraw 0.6s 0.3s ease forwards;
}

@keyframes checkDraw {
    to { stroke-dashoffset: 0; }
}

.thank-you-page__title {
    font-family: var(--font-heading);
    font-size: var(--text-3xl);
    color: var(--color-primary);
    margin-bottom: var(--space-md);
}

.thank-you-page__text {
    font-size: var(--text-md);
    color: var(--color-gray-600);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-2xl);
}

.thank-you-page__steps {
    text-align: left;
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    margin-bottom: var(--space-2xl);
}

.thank-you-page__steps-title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-lg);
    text-align: center;
}

.thank-you-page__steps-list {
    list-style: none;
    counter-reset: none;
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
}

.thank-you-page__steps-list li {
    display: flex;
    gap: var(--space-md);
    align-items: flex-start;
}

.thank-you-page__step-number {
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius-full);
    font-weight: var(--weight-bold);
    font-size: var(--text-sm);
}

.thank-you-page__steps-list p {
    margin-top: var(--space-xs);
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    line-height: var(--leading-normal);
}

.thank-you-page__actions {
    margin-bottom: var(--space-xl);
}

.thank-you-page__urgent {
    font-weight: var(--weight-semibold);
    color: var(--color-gray-700);
    margin-bottom: var(--space-md);
}

.thank-you-page__hours {
    margin-top: var(--space-sm);
    font-size: var(--text-sm);
    color: var(--color-gray-500);
}

.thank-you-page__nav {
    display: flex;
    gap: var(--space-md);
    justify-content: center;
    flex-wrap: wrap;
}


/* ═══════════════════════════════════════
   51. CRO — SMART CTA PERSONALIZATION
   ═══════════════════════════════════════ */

/* After-hours phone CTA styling */
.is-after-hours .hero__cta-phone::after {
    content: ' (Leave a Message)';
    font-size: var(--text-sm);
    opacity: 0.8;
}

/* Returning visitor trust badge */
.visitor-returning .trust-strip::before,
.visitor-loyal .trust-strip::before {
    content: '👋 Welcome back!';
    display: block;
    text-align: center;
    padding: var(--space-xs) 0;
    font-weight: var(--weight-semibold);
    font-size: var(--text-sm);
    color: var(--color-accent-light);
}

/* High-engagement visitor CTA boost */
.engagement-high .btn--primary {
    animation: subtlePulse 3s ease-in-out infinite;
}

@keyframes subtlePulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(212, 133, 31, 0); }
    50% { box-shadow: 0 0 0 6px rgba(212, 133, 31, 0.15); }
}

/* Engaged visitors see the phone number more prominently */
.engagement-high .site-header__phone {
    font-weight: var(--weight-bold);
    color: var(--color-accent-light);
}


/* ═══════════════════════════════════════
   52. CRO — A/B TEST VARIANT STYLES
   ═══════════════════════════════════════ */

/* Hero CTA: green variant */
.ab-hero_cta_text--urgency .hero .btn--primary {
    background: var(--color-danger);
    border-color: var(--color-danger);
}

.ab-hero_cta_text--benefit .hero .btn--primary {
    background: var(--color-primary);
    border-color: var(--color-primary);
}

/* Form sidebar test */
.ab-quote_form_position--sidebar_form .front-page .multistep-form-wrapper {
    position: sticky;
    top: 100px;
}


/* ═══════════════════════════════════════
   53. CRO — MICRO-INTERACTIONS
   ═══════════════════════════════════════ */

/* Form field focus glow */
input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26, 86, 50, 0.15);
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

/* Button press effect */
.btn:active {
    transform: scale(0.97);
}

/* Card hover lift */
.card:hover,
.insurance-card:hover,
.perk-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    transition: transform var(--transition-base), box-shadow var(--transition-base);
}

/* Smooth CTA attention draw */
.cta-banner__title {
    animation: fadeSlideIn 0.6s ease;
}

@keyframes fadeSlideIn {
    from {
        opacity: 0;
        transform: translateY(12px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Quiz option hover feedback */
.quiz__option:hover {
    border-color: var(--color-primary-light);
    background: rgba(26, 86, 50, 0.04);
    cursor: pointer;
}

.quiz__option.is-selected {
    border-color: var(--color-primary);
    background: rgba(26, 86, 50, 0.08);
}

/* Social proof toast slide-in */
.social-proof-toast {
    transform: translateX(120%);
    transition: transform 0.4s cubic-bezier(0.22, 1, 0.36, 1);
}

.social-proof-toast.is-visible {
    transform: translateX(0);
}

/* Exit popup backdrop blur */
.exit-popup.is-visible .exit-popup__overlay {
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
}


/* ═══════════════════════════════════════
   54. CRO — URGENCY & SCARCITY ELEMENTS
   ═══════════════════════════════════════ */

/* Pulsing dot for "live" indicators */
.live-indicator {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: var(--text-sm);
    font-weight: var(--weight-semibold);
    color: var(--color-primary);
}

.live-indicator__dot {
    width: 8px;
    height: 8px;
    background: var(--color-success);
    border-radius: var(--radius-full);
    animation: livePulse 2s ease-in-out infinite;
}

@keyframes livePulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.4); }
}

/* Business hours indicator */
.business-hours .hero__hours-badge {
    display: inline-flex;
}

.after-hours .hero__hours-badge {
    display: none;
}

.hero__hours-badge {
    display: none;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, 0.15);
    padding: var(--space-xs) var(--space-md);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: var(--weight-medium);
    margin-top: var(--space-md);
}

/* Countdown timer for seasonal campaigns */
.countdown-timer {
    display: inline-flex;
    gap: var(--space-sm);
    font-family: var(--font-body);
}

.countdown-timer__block {
    text-align: center;
    background: rgba(255, 255, 255, 0.1);
    padding: var(--space-sm) var(--space-md);
    border-radius: var(--radius-sm);
    min-width: 55px;
}

.countdown-timer__number {
    display: block;
    font-size: var(--text-2xl);
    font-weight: var(--weight-bold);
    line-height: 1;
}

.countdown-timer__label {
    font-size: var(--text-xs);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    opacity: 0.8;
}

/* Sticky sidebar CTA (desktop, insurance pages) */
@media (min-width: 1024px) {
    .sidebar-cta-sticky {
        position: sticky;
        top: 100px;
    }
}

/* Progress indicator for multi-step form */
.form-progress {
    display: flex;
    justify-content: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-xl);
}

.form-progress__step {
    width: 40px;
    height: 4px;
    background: var(--color-gray-200);
    border-radius: var(--radius-full);
    transition: background var(--transition-base);
}

.form-progress__step.is-active,
.form-progress__step.is-completed {
    background: var(--color-primary);
}

.form-progress__step.is-completed {
    background: var(--color-accent);
}


/* ═══════════════════════════════════════
   55. POLICY REVIEW CHECKLIST
   ═══════════════════════════════════════ */

.policy-review {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-gray-200);
    padding: var(--space-2xl);
    margin: var(--space-2xl) 0;
}

.policy-review__title {
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.policy-review__intro {
    color: var(--color-gray-600);
    margin-bottom: var(--space-xl);
    line-height: var(--leading-relaxed);
}

.policy-review__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: var(--space-md);
    margin-bottom: var(--space-xl);
}

.policy-review__item {
    display: flex;
    align-items: flex-start;
    gap: var(--space-sm);
    padding: var(--space-md);
    background: var(--color-gray-50);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
    user-select: none;
}

.policy-review__item:hover {
    border-color: var(--color-primary-light);
    background: rgba(26, 86, 50, 0.03);
}

.policy-review__item input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.policy-review__check {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    margin-top: 1px;
    border: 2px solid var(--color-gray-400);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.policy-review__item input:checked ~ .policy-review__check {
    background: var(--color-primary);
    border-color: var(--color-primary);
}

.policy-review__item input:checked ~ .policy-review__check::after {
    content: '✓';
    color: var(--color-white);
    font-size: 12px;
}

.policy-review__item input:checked ~ .policy-review__label {
    font-weight: var(--weight-semibold);
    color: var(--color-primary-dark);
}

.policy-review__label {
    font-size: var(--text-base);
    line-height: var(--leading-snug);
    color: var(--color-gray-700);
}

/* Results Panel */
.policy-review-results {
    display: none;
    margin-top: var(--space-xl);
    animation: fadeSlideIn 0.4s ease;
}

.policy-review-results.is-visible {
    display: block;
}

.policy-review-results__header {
    text-align: center;
    margin-bottom: var(--space-xl);
}

.policy-review-results__title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-xs);
}

.policy-review-results__subtitle {
    color: var(--color-gray-600);
    font-size: var(--text-base);
}

.policy-review-gap {
    display: flex;
    gap: var(--space-md);
    padding: var(--space-lg);
    background: var(--color-white);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-gray-200);
    margin-bottom: var(--space-md);
}

.policy-review-gap__badge {
    flex-shrink: 0;
    font-size: var(--text-xs);
    font-weight: var(--weight-bold);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 3px 12px;
    border-radius: var(--radius-full);
    height: fit-content;
}

.policy-review-gap__badge--urgent {
    background: #DC3545;
    color: var(--color-white);
}

.policy-review-gap__badge--review {
    background: var(--color-accent);
    color: var(--color-white);
}

.policy-review-gap__badge--action {
    background: var(--color-primary);
    color: var(--color-white);
}

.policy-review-gap__text {
    font-size: var(--text-base);
    line-height: var(--leading-relaxed);
    color: var(--color-gray-700);
}

.policy-review__cta {
    text-align: center;
    padding-top: var(--space-xl);
    margin-top: var(--space-lg);
    border-top: 1px solid var(--color-gray-200);
}

.policy-review__cta p {
    margin-bottom: var(--space-md);
    color: var(--color-gray-600);
    font-size: var(--text-base);
}

.policy-review__clean {
    text-align: center;
    padding: var(--space-2xl);
    background: rgba(40, 167, 69, 0.05);
    border: 2px solid var(--color-success);
    border-radius: var(--radius-lg);
}

.policy-review__clean-icon {
    font-size: 3rem;
    display: block;
    margin-bottom: var(--space-md);
}

.policy-review__clean-title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.policy-review__clean-text {
    color: var(--color-gray-600);
    max-width: 500px;
    margin: 0 auto;
}

@media (max-width: 767px) {
    .policy-review__grid {
        grid-template-columns: 1fr;
    }
    .policy-review-gap {
        flex-direction: column;
        gap: var(--space-sm);
    }
}


/* ═══════════════════════════════════════
   56. COVERAGE CHECKLIST
   ═══════════════════════════════════════ */

.coverage-checklist {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-gray-200);
    padding: var(--space-2xl);
    margin: var(--space-2xl) 0;
}

.coverage-checklist__title {
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.coverage-checklist__intro {
    color: var(--color-gray-600);
    margin-bottom: var(--space-xl);
}

.coverage-checklist__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: var(--space-md);
    margin-bottom: var(--space-xl);
}

.coverage-checklist__item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    padding: var(--space-md);
    background: var(--color-gray-50);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-fast);
    user-select: none;
}

.coverage-checklist__item:hover {
    border-color: var(--color-primary-light);
    background: rgba(26, 86, 50, 0.03);
}

.coverage-checklist__item input:checked ~ .coverage-checklist__label {
    font-weight: var(--weight-semibold);
    color: var(--color-primary-dark);
}

.coverage-checklist__item input:checked ~ .coverage-checklist__check {
    background: var(--color-primary);
    border-color: var(--color-primary);
}

.coverage-checklist__item input:checked ~ .coverage-checklist__check::after {
    content: '✓';
    color: var(--color-white);
    font-size: 12px;
}

.coverage-checklist__item input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.coverage-checklist__check {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border: 2px solid var(--color-gray-400);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.checklist-results {
    display: none;
    background: var(--color-gray-50);
    border-radius: var(--radius-md);
    padding: var(--space-xl);
    animation: fadeSlideIn 0.4s ease;
}

.checklist-results.is-visible {
    display: block;
}

.checklist-results__title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.checklist-results__score {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.checklist-results__list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    margin-bottom: var(--space-xl);
}

.checklist-result__item {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    padding: var(--space-md);
    background: var(--color-white);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-gray-200);
}

.checklist-result__item a {
    font-weight: var(--weight-semibold);
    color: var(--color-primary);
}

.checklist-result__badge {
    font-size: var(--text-xs);
    font-weight: var(--weight-bold);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 2px 10px;
    border-radius: var(--radius-full);
    flex-shrink: 0;
}

.checklist-result__badge--required {
    background: #DC3545;
    color: var(--color-white);
}

.checklist-result__badge--essential {
    background: var(--color-primary);
    color: var(--color-white);
}

.checklist-result__badge--recommended {
    background: var(--color-accent);
    color: var(--color-white);
}

.checklist-results__cta {
    text-align: center;
    padding-top: var(--space-lg);
    border-top: 1px solid var(--color-gray-200);
}

.checklist-results__cta p {
    margin-bottom: var(--space-md);
    color: var(--color-gray-600);
}


/* ═══════════════════════════════════════
   57. VIDEO TESTIMONIALS (FACADE)
   ═══════════════════════════════════════ */

.video-testimonial {
    margin: var(--space-xl) 0;
}

.video-facade {
    position: relative;
    width: 100%;
    padding-bottom: 56.25%;
    background: var(--color-gray-900);
    background-size: cover;
    background-position: center;
    border-radius: var(--radius-lg);
    overflow: hidden;
    cursor: pointer;
}

.video-facade iframe {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

.video-facade__play {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    transition: transform var(--transition-fast);
}

.video-facade:hover .video-facade__play {
    transform: translate(-50%, -50%) scale(1.1);
}

.video-facade.is-playing .video-facade__play {
    display: none;
}

.video-testimonial__info {
    padding: var(--space-lg) 0;
}

.video-testimonial__title {
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-xs);
}

.video-testimonial__desc {
    color: var(--color-gray-600);
    margin-bottom: var(--space-sm);
}

.video-testimonial__person {
    font-style: italic;
    color: var(--color-gray-500);
    font-size: var(--text-sm);
}


/* ═══════════════════════════════════════
   58. RISK AWARENESS WIDGET
   ═══════════════════════════════════════ */

.risk-awareness {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-gray-200);
    padding: var(--space-2xl);
    margin: var(--space-2xl) 0;
}

.risk-awareness__title {
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-sm);
}

.risk-awareness__intro {
    color: var(--color-gray-600);
    margin-bottom: var(--space-lg);
}

.risk-result {
    display: none;
    margin: var(--space-xl) 0;
    animation: fadeSlideIn 0.4s ease;
}

.risk-result.is-visible {
    display: block;
}

.risk-result__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: var(--space-md);
    margin-bottom: var(--space-lg);
}

.risk-result__item {
    text-align: center;
    padding: var(--space-lg) var(--space-md);
    border-radius: var(--radius-md);
    background: var(--color-gray-50);
    border: 2px solid var(--color-gray-200);
}

.risk-result__item--high {
    border-color: var(--color-danger);
    background: rgba(220, 53, 69, 0.04);
}

.risk-result__item--moderate {
    border-color: var(--color-warning);
    background: rgba(255, 193, 7, 0.04);
}

.risk-result__item--low {
    border-color: var(--color-success);
    background: rgba(40, 167, 69, 0.04);
}

.risk-result__icon {
    font-size: 1.5rem;
    display: block;
    margin-bottom: var(--space-xs);
}

.risk-result__label {
    display: block;
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-bottom: var(--space-xs);
}

.risk-result__level {
    display: block;
    font-weight: var(--weight-bold);
    font-size: var(--text-base);
    text-transform: capitalize;
}

.risk-result__item--high .risk-result__level {
    color: var(--color-danger);
}

.risk-result__item--moderate .risk-result__level {
    color: #B8860B;
}

.risk-result__item--low .risk-result__level {
    color: var(--color-success);
}

.risk-result__tip {
    padding: var(--space-md);
    background: var(--color-gray-50);
    border-left: 4px solid var(--color-accent);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    color: var(--color-gray-700);
    line-height: var(--leading-relaxed);
}

.risk-awareness__cta {
    text-align: center;
    margin-top: var(--space-xl);
}

.risk-awareness__cta p {
    margin-bottom: var(--space-md);
    color: var(--color-gray-600);
}


/* ═══════════════════════════════════════
   59. COMPARISON SLIDER
   ═══════════════════════════════════════ */

.comparison-slider {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-gray-200);
    padding: var(--space-2xl);
    margin: var(--space-2xl) 0;
    overflow: hidden;
}

.comparison-slider__item {
    display: none;
    animation: fadeSlideIn 0.4s ease;
}

.comparison-slider__item.is-active {
    display: block;
}

.comparison-slider__title {
    text-align: center;
    font-family: var(--font-heading);
    font-size: var(--text-xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-xl);
}

.comparison-slider__columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-lg);
}

.comparison-slider__col {
    padding: var(--space-xl);
    border-radius: var(--radius-md);
    position: relative;
}

.comparison-slider__col--captive {
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
}

.comparison-slider__col--indie {
    background: rgba(26, 86, 50, 0.05);
    border: 2px solid var(--color-primary);
}

.comparison-slider__badge {
    display: inline-block;
    font-size: var(--text-xs);
    font-weight: var(--weight-bold);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 3px 12px;
    border-radius: var(--radius-full);
    margin-bottom: var(--space-md);
}

.comparison-slider__badge--captive {
    background: var(--color-gray-200);
    color: var(--color-gray-700);
}

.comparison-slider__badge--indie {
    background: var(--color-primary);
    color: var(--color-white);
}

.comparison-slider__col p {
    color: var(--color-gray-700);
    line-height: var(--leading-relaxed);
}

.comparison-slider__col--indie p {
    color: var(--color-primary-dark);
    font-weight: var(--weight-medium);
}

.comparison-slider__controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-md);
    margin-top: var(--space-xl);
}

.comparison-slider__prev,
.comparison-slider__next {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-full);
    font-size: 1.5rem;
    color: var(--color-gray-600);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.comparison-slider__prev:hover,
.comparison-slider__next:hover {
    background: var(--color-primary);
    color: var(--color-white);
    border-color: var(--color-primary);
}

.comparison-slider__dots {
    display: flex;
    gap: var(--space-sm);
}

.comparison-slider__dot {
    width: 10px;
    height: 10px;
    background: var(--color-gray-300);
    border: none;
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: all var(--transition-fast);
}

.comparison-slider__dot.is-active {
    background: var(--color-primary);
    width: 24px;
}

@media (max-width: 767px) {
    .comparison-slider__columns {
        grid-template-columns: 1fr;
    }
}


/* ═══════════════════════════════════════
   60. REFERRAL PROGRAM
   ═══════════════════════════════════════ */

.referral-program {
    margin: var(--space-2xl) 0;
}

.referral-welcome {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-md) var(--space-xl);
    border-radius: var(--radius-md);
    margin-bottom: var(--space-xl);
    text-align: center;
    font-size: var(--text-md);
}

.referral-program__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-2xl);
    align-items: start;
}

@media (max-width: 767px) {
    .referral-program__grid {
        grid-template-columns: 1fr;
    }
}

.referral-program__info h3 {
    font-family: var(--font-heading);
    font-size: var(--text-2xl);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-md);
}

.referral-program__info > p {
    color: var(--color-gray-600);
    margin-bottom: var(--space-xl);
    line-height: var(--leading-relaxed);
}

.referral-program__steps {
    display: flex;
    flex-direction: column;
    gap: var(--space-lg);
    margin-bottom: var(--space-xl);
}

.referral-step {
    display: flex;
    gap: var(--space-md);
    align-items: flex-start;
}

.referral-step__num {
    flex-shrink: 0;
    width: 32px;
    height: 32px;
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: var(--weight-bold);
    font-size: var(--text-sm);
}

.referral-step p {
    font-size: var(--text-sm);
    color: var(--color-gray-600);
    margin-top: var(--space-xs);
}

.referral-share {
    margin-top: var(--space-xl);
}

.referral-share label {
    display: block;
    font-weight: var(--weight-semibold);
    margin-bottom: var(--space-sm);
}

.referral-share__row {
    display: flex;
    gap: var(--space-sm);
}

.referral-share__input {
    flex: 1;
    padding: var(--space-md);
    border: 1px solid var(--color-gray-300);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
}

.referral-program__form-wrap {
    background: var(--color-gray-50);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    border: 1px solid var(--color-gray-200);
}

.referral-program__form-wrap h4 {
    font-family: var(--font-heading);
    font-size: var(--text-lg);
    color: var(--color-primary-dark);
    margin-bottom: var(--space-lg);
}

.referral-form__success {
    text-align: center;
    padding: var(--space-xl);
}

.referral-form__success h4 {
    color: var(--color-primary);
    margin: var(--space-md) 0 var(--space-sm);
}


/* ═══════════════════════════════════════
   61. RESOURCE CENTER
   ═══════════════════════════════════════ */

.hero--resources,
.hero--referral {
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
}

.resource-tools {
    margin-bottom: var(--space-3xl);
}

.card--tool {
    text-align: center;
    padding: var(--space-xl);
}

.card--tool .card__icon {
    width: 60px;
    height: 60px;
    background: rgba(26, 86, 50, 0.08);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-md);
    color: var(--color-primary);
}

.card--resource {
    display: flex;
    flex-direction: column;
}

.card--resource .card__body {
    flex: 1;
    display: flex;
    flex-direction: column;
    padding: var(--space-lg);
}

.card--resource .card__badge {
    display: inline-block;
    width: fit-content;
    font-size: var(--text-xs);
    font-weight: var(--weight-bold);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 2px 10px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: var(--color-white);
    margin-bottom: var(--space-sm);
}

.card--resource .card__text {
    flex: 1;
    margin-bottom: var(--space-md);
}

.resource-section {
    margin-bottom: var(--space-3xl);
}

.resource-downloads {
    margin-top: var(--space-3xl);
}


/* ═══════════════════════════════════════
   62. TCPA CONSENT
   ═══════════════════════════════════════ */

.tcpa-consent {
    margin: var(--space-md) 0;
    padding: var(--space-md);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-200);
    border-radius: var(--radius-md);
    transition: border-color var(--transition-fast);
}

.tcpa-consent--compact {
    padding: 0;
    background: none;
    border: none;
    margin: var(--space-sm) 0;
}

.tcpa-consent--compact small {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    line-height: var(--leading-relaxed);
}

.tcpa-consent--compact a {
    color: var(--color-primary);
}

.tcpa-consent--error {
    border-color: var(--color-danger);
    background: rgba(220, 53, 69, 0.04);
}

.tcpa-consent__label {
    display: flex;
    align-items: flex-start;
    gap: var(--space-sm);
    cursor: pointer;
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    color: var(--color-gray-600);
}

.tcpa-consent__checkbox {
    flex-shrink: 0;
    margin-top: 3px;
    width: 18px;
    height: 18px;
    accent-color: var(--color-primary);
}

.tcpa-consent__text a {
    color: var(--color-primary);
    text-decoration: underline;
}


/* ═══════════════════════════════════════
   63. COOKIE CONSENT BANNER
   ═══════════════════════════════════════ */

.cookie-consent {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 9999;
    background: var(--color-gray-900);
    color: var(--color-white);
    padding: var(--space-md) 0;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.15);
    animation: fadeSlideIn 0.3s ease;
}

.cookie-consent__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
    display: flex;
    align-items: center;
    gap: var(--space-lg);
    flex-wrap: wrap;
}

.cookie-consent__text {
    flex: 1;
    min-width: 280px;
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    margin: 0;
}

.cookie-consent__text a {
    color: var(--color-accent);
    text-decoration: underline;
}

.cookie-consent__actions {
    display: flex;
    gap: var(--space-sm);
    flex-shrink: 0;
}

.cookie-consent__accept {
    background: var(--color-primary) !important;
    border-color: var(--color-primary) !important;
}

.cookie-consent__decline {
    border-color: rgba(255, 255, 255, 0.3) !important;
    color: var(--color-white) !important;
}

.cookie-consent__decline:hover {
    background: rgba(255, 255, 255, 0.1) !important;
}

@media (max-width: 640px) {
    .cookie-consent__inner {
        flex-direction: column;
        text-align: center;
    }
    .cookie-consent__actions {
        width: 100%;
        justify-content: center;
    }
}


/* ═══════════════════════════════════════
   64. SITE DISCLAIMER
   ═══════════════════════════════════════ */

.site-disclaimer {
    background: var(--color-gray-100);
    padding: var(--space-md) 0;
    border-top: 1px solid var(--color-gray-200);
}

.site-disclaimer p {
    font-size: var(--text-xs);
    color: var(--color-gray-500);
    text-align: center;
    line-height: var(--leading-relaxed);
    margin: 0;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}


/* ═══════════════════════════════════════
   65. REDUCED MOTION SUPPORT
   ═══════════════════════════════════════ */

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

.reduced-motion .hero__content,
.reduced-motion .stats-counter,
.reduced-motion .fade-in,
.reduced-motion [data-animate] {
    opacity: 1 !important;
    transform: none !important;
}


/* ═══════════════════════════════════════
   66. FOCUS VISIBLE (ADA)
   ═══════════════════════════════════════ */

:focus-visible {
    outline: 3px solid var(--color-accent);
    outline-offset: 2px;
}

.btn:focus-visible {
    outline: 3px solid var(--color-accent);
    outline-offset: 2px;
    box-shadow: 0 0 0 4px rgba(212, 133, 31, 0.25);
}

/* Skip link styling */
.skip-link {
    position: absolute;
    top: -100%;
    left: var(--space-md);
    z-index: 10000;
    background: var(--color-primary-dark);
    color: var(--color-white);
    padding: var(--space-sm) var(--space-lg);
    border-radius: var(--radius-md);
    font-weight: var(--weight-semibold);
    text-decoration: none;
    transition: top 0.2s ease;
}

.skip-link:focus {
    top: var(--space-md);
}