/* ============================================================
   Xpress Benefits — Website Design System
   xpressbenefits.net | Commercial P&C + Employee Benefits
   ============================================================ */

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: 'Inter', 'Source Sans 3', system-ui, sans-serif;
  color: #13202E;
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #003d99; text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }
button { font-family: inherit; }

/* ---- CSS Variables ---- */
:root {
  --vivid-blue:       #003d99;
  --dark-blue:        #033170;
  --dark-green:       #008000;
  --light-gray:       #cfcfcf;
  --near-black:       #13202E;
  --off-white:        #F7F8FA;
  --light-blue-tint:  #E8EFF9;
  --light-green-tint: #E6F2E6;
  --amber:            #C8932A;
  --white:            #ffffff;

  --font-heading: 'Sora', 'Poppins', system-ui, sans-serif;
  --font-body:    'Inter', 'Source Sans 3', system-ui, sans-serif;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:  0 8px 40px rgba(0,0,0,0.14);

  --radius:    6px;
  --radius-lg: 12px;
  --radius-xl: 20px;

  --transition: 0.2s ease;

  --max-w:    1200px;
  --nav-h:    72px;
}

/* ---- Typography ---- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--dark-blue);
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.125rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.375rem); }
h4 { font-size: 1.0625rem; }
p  { margin-bottom: 1rem; }
.lead { font-size: 1.125rem; line-height: 1.75; color: #3d4f62; }

.text-white  { color: #fff !important; }
.text-center { text-align: center; }
.text-muted  { color: #6a7a8e; }

.eyebrow {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--vivid-blue);
  margin-bottom: 0.625rem;
}

/* ---- Layout ---- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section        { padding: 5rem 0; }
.section--sm    { padding: 3rem 0; }
.section--lg    { padding: 7rem 0; }

.section--blue       { background: var(--dark-blue); }
.section--blue h1,
.section--blue h2,
.section--blue h3    { color: #fff; }
.section--off-white  { background: var(--off-white); }
.section--tint-blue  { background: var(--light-blue-tint); }
.section--tint-green { background: var(--light-green-tint); }

/* ---- Grid helpers ---- */
.grid   { display: grid; gap: 1.5rem; }
.g-2    { grid-template-columns: repeat(2, 1fr); }
.g-3    { grid-template-columns: repeat(3, 1fr); }
.g-4    { grid-template-columns: repeat(4, 1fr); }
.flex   { display: flex; }
.f-center { align-items: center; }
.f-between { justify-content: space-between; }
.f-wrap { flex-wrap: wrap; }
.gap-1  { gap: 1rem; }
.gap-2  { gap: 2rem; }

/* ==============================================================
   HEADER & NAVIGATION
   ============================================================== */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--dark-blue);
  height: var(--nav-h);
  display: flex;
  align-items: center;
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 100%;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-shield {
  width: 40px; height: 40px;
  background: var(--vivid-blue);
  border-radius: 4px 4px 14px 14px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.logo-shield svg { width: 22px; height: 22px; fill: white; }
.logo-text-wrap { display: flex; flex-direction: column; line-height: 1.1; }
.logo-name {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.0625rem;
  color: white;
  letter-spacing: 0.04em;
}
.logo-sub {
  font-size: 0.575rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

/* Primary Nav links */
.nav-links {
  display: flex;
  align-items: center;
  height: 100%;
  gap: 0;
}
.nav-links > li {
  position: relative;
  height: 100%;
  display: flex;
  align-items: center;
}
.nav-links > li > a {
  color: rgba(255,255,255,0.82);
  font-size: 0.8375rem;
  font-weight: 500;
  padding: 0 0.75rem;
  height: 100%;
  display: flex;
  align-items: center;
  text-decoration: none;
  transition: color var(--transition);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.nav-links > li > a:hover,
.nav-links > li > a.active { color: white; }

.nav-links > li.has-drop > a::after {
  content: '';
  display: inline-block;
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid rgba(255,255,255,0.55);
  margin-left: 5px;
  transition: transform var(--transition);
}
.nav-links > li.has-drop:hover > a::after {
  transform: rotate(180deg);
}

/* Dropdowns */
.nav-drop {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 230px;
  background: white;
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.22s ease;
  z-index: 200;
  padding: 0.5rem 0;
}
.nav-links > li.has-drop:hover .nav-drop {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-drop-header {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--light-gray);
  padding: 0.625rem 1.125rem 0.25rem;
}
.nav-drop a {
  display: block;
  padding: 0.55rem 1.125rem;
  font-size: 0.875rem;
  color: var(--near-black);
  text-decoration: none;
  transition: background var(--transition), color var(--transition);
}
.nav-drop a:hover {
  background: var(--light-blue-tint);
  color: var(--vivid-blue);
  text-decoration: none;
}

/* Nav actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-shrink: 0;
}
.nav-phone {
  color: rgba(255,255,255,0.75);
  font-size: 0.8375rem;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
}
.nav-phone:hover { color: white; text-decoration: none; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.hamburger span {
  width: 24px; height: 2px;
  background: white;
  border-radius: 2px;
  transition: all 0.3s ease;
  display: block;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Page offset */
.page-content { padding-top: var(--nav-h); }

/* Mobile Nav overlay */
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--nav-h); left: 0; right: 0; bottom: 0;
  background: var(--dark-blue);
  z-index: 999;
  overflow-y: auto;
  padding: 1rem 1.5rem 2rem;
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  color: rgba(255,255,255,0.82);
  font-size: 1rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  text-decoration: none;
  transition: color var(--transition);
}
.mobile-nav a:hover { color: white; }
.mobile-section-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  padding: 1.25rem 0 0.375rem;
  display: block;
}
.mobile-sub { padding-left: 1rem; font-size: 0.9rem !important; color: rgba(255,255,255,0.6) !important; }
.mobile-cta {
  display: block;
  margin-top: 1.5rem;
  background: var(--vivid-blue);
  color: white !important;
  text-align: center;
  border-radius: var(--radius);
  padding: 0.875rem !important;
  font-family: var(--font-heading);
  font-weight: 600;
  border-bottom: none !important;
}

/* ==============================================================
   BUTTONS
   ============================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.6875rem 1.5rem;
  border-radius: var(--radius);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9375rem;
  text-decoration: none !important;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  line-height: 1;
}
.btn--sm  { padding: 0.5rem 1.125rem; font-size: 0.875rem; }
.btn--lg  { padding: 0.875rem 2rem; font-size: 1rem; }

.btn--primary  { background: var(--vivid-blue); color: white; border-color: var(--vivid-blue); }
.btn--primary:hover  { background: #002c7a; border-color: #002c7a; color: white; }

.btn--green { background: var(--dark-green); color: white; border-color: var(--dark-green); }
.btn--green:hover { background: #006600; border-color: #006600; color: white; }

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

.btn--outline-white { background: transparent; color: white; border-color: rgba(255,255,255,0.55); }
.btn--outline-white:hover { background: white; color: var(--dark-blue); }

.btn--dark { background: var(--dark-blue); color: white; border-color: var(--dark-blue); }
.btn--dark:hover { background: #022260; color: white; }

/* ==============================================================
   HERO
   ============================================================== */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  background: var(--dark-blue);
  overflow: hidden;
}
.hero--tall { min-height: 680px; }
.hero-img {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(125deg, rgba(3,49,112,0.94) 0%, rgba(3,49,112,0.7) 60%, rgba(0,61,153,0.55) 100%);
}
.hero-content {
  position: relative;
  z-index: 1;
  padding: 5rem 0 3rem;
  max-width: 740px;
}
.hero-content h1 { color: white; margin-bottom: 1.25rem; }
.hero-content p  { font-size: 1.125rem; color: rgba(255,255,255,0.82); margin-bottom: 2rem; }
.hero-actions    { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero-stat-bar {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: rgba(0,0,0,0.35);
  backdrop-filter: blur(6px);
  padding: 1.125rem 0;
}
.hero-stats {
  display: flex;
  gap: 0;
  align-items: stretch;
}
.hero-stat {
  flex: 1;
  text-align: center;
  padding: 0 1.5rem;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.hero-stat:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: white;
  line-height: 1;
  display: block;
}
.stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
  margin-top: 0.25rem;
  display: block;
}

/* Page Hero (inner pages) */
.page-hero {
  background: var(--dark-blue);
  padding: 4rem 0 3.5rem;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  right: -8%;
  top: -30%;
  width: 55%;
  height: 160%;
  background: radial-gradient(ellipse, rgba(0,61,153,0.25) 0%, transparent 65%);
  pointer-events: none;
}
.page-hero h1  { color: white; margin-bottom: 1rem; }
.page-hero p   { color: rgba(255,255,255,0.8); font-size: 1.0625rem; max-width: 640px; margin-bottom: 0; }

.breadcrumb {
  display: flex;
  gap: 0.375rem;
  align-items: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1rem;
}
.breadcrumb a  { color: rgba(255,255,255,0.5); text-decoration: none; }
.breadcrumb a:hover { color: rgba(255,255,255,0.8); }
.breadcrumb .sep { opacity: 0.3; }

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.8);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.25rem 0.875rem;
  border-radius: 100px;
  margin-bottom: 1rem;
  letter-spacing: 0.04em;
}

/* ==============================================================
   CARDS
   ============================================================== */
.card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(0,0,0,0.07);
  box-shadow: var(--shadow-sm);
  padding: 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.card--blue  { background: var(--dark-blue); border-color: var(--dark-blue); }
.card--blue h2, .card--blue h3, .card--blue h4 { color: white; }
.card--blue p { color: rgba(255,255,255,0.72); }
.card--tint-blue  { background: var(--light-blue-tint); border-color: rgba(0,61,153,0.12); }
.card--tint-green { background: var(--light-green-tint); border-color: rgba(0,128,0,0.12); }

.card-icon {
  width: 50px; height: 50px;
  background: var(--light-blue-tint);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.125rem;
}
.card-icon svg { width: 26px; height: 26px; stroke: var(--vivid-blue); fill: none; stroke-width: 1.75; }
.card-icon--green { background: var(--light-green-tint); }
.card-icon--green svg { stroke: var(--dark-green); }

.card h3 { margin-bottom: 0.5rem; }
.card p   { color: #5a6a7e; font-size: 0.9375rem; margin-bottom: 0; }
.card--blue p { color: rgba(255,255,255,0.72); }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--vivid-blue);
  margin-top: 1rem;
  text-decoration: none;
  transition: gap var(--transition);
}
.card-link:hover { gap: 0.5rem; text-decoration: none; }
.card-link::after { content: '→'; }
.card--blue .card-link { color: rgba(255,255,255,0.75); }
.card--blue .card-link:hover { color: white; }

/* ==============================================================
   TWO-TRACK (P&C vs Benefits)
   ============================================================== */
.two-track {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.track {
  padding: 3rem 2.5rem 2.5rem;
}
.track--pc       { background: var(--dark-blue); }
.track--benefits { background: var(--vivid-blue); }
.track h2, .track h3 { color: white; }
.track p  { color: rgba(255,255,255,0.78); margin-bottom: 1.5rem; }
.track-eyebrow {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 0.5rem;
  display: block;
}
.track-links { margin-bottom: 1.75rem; }
.track-links li { padding: 0.2rem 0; }
.track-links a {
  color: rgba(255,255,255,0.72);
  font-size: 0.9rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transition: color var(--transition);
}
.track-links a::before { content: '›'; font-size: 1.3rem; line-height: 1; opacity: 0.5; }
.track-links a:hover { color: white; text-decoration: none; }

/* ==============================================================
   VALUE PROPS
   ============================================================== */
.value-props { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.value-prop  { text-align: center; }
.vp-icon {
  width: 64px; height: 64px;
  background: var(--light-blue-tint);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.125rem;
}
.vp-icon svg { width: 30px; height: 30px; stroke: var(--vivid-blue); fill: none; stroke-width: 1.75; }
.value-prop h3 { font-size: 1.0625rem; margin-bottom: 0.5rem; }
.value-prop p  { font-size: 0.9rem; color: #5a6a7e; margin-bottom: 0; }

/* ==============================================================
   INDUSTRIES GRID
   ============================================================== */
.industries-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.industry-card {
  background: white;
  border-radius: var(--radius);
  border: 1px solid var(--light-gray);
  padding: 1.625rem 1.25rem;
  text-align: center;
  text-decoration: none !important;
  color: var(--near-black);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.75rem;
}
.industry-card:hover {
  border-color: var(--vivid-blue);
  background: var(--light-blue-tint);
  color: var(--dark-blue);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.industry-icon { font-size: 2.25rem; line-height: 1; }
.industry-name {
  font-family: var(--font-heading);
  font-size: 0.875rem;
  font-weight: 600;
  line-height: 1.3;
}

/* ==============================================================
   STATES STRIP
   ============================================================== */
.states-strip {
  background: var(--near-black);
  padding: 3rem 0;
  text-align: center;
}
.states-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 1.5rem;
}
.states-list {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 4rem;
  flex-wrap: wrap;
}
.state-item { text-align: center; }
.state-item.primary .state-name {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: white;
  line-height: 1;
}
.state-item.secondary .state-name {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  line-height: 1;
}
.state-sublabel {
  font-size: 0.675rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-top: 0.375rem;
  display: block;
}

/* ==============================================================
   TESTIMONIALS
   ============================================================== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.testimonial-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--light-gray);
  box-shadow: var(--shadow-sm);
  position: relative;
}
.testimonial-card.placeholder-t {
  background: var(--light-blue-tint);
  border: 2px dashed rgba(0,61,153,0.15);
}
.quote-mark {
  font-size: 3.5rem;
  line-height: 1;
  color: var(--light-blue-tint);
  font-family: Georgia, serif;
  position: absolute;
  top: 0.75rem;
  left: 1.5rem;
}
.placeholder-t .quote-mark { color: rgba(0,61,153,0.1); }
.testimonial-body {
  padding-top: 1.375rem;
  font-size: 0.9375rem;
  color: #4a5a6e;
  line-height: 1.72;
  margin-bottom: 1.375rem;
}
.placeholder-t .testimonial-body { color: rgba(0,61,153,0.35); font-style: italic; }
.t-author { display: flex; align-items: center; gap: 0.875rem; }
.t-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--light-gray);
  overflow: hidden;
  flex-shrink: 0;
}
.t-avatar img { width: 100%; height: 100%; object-fit: cover; }
.t-name  { font-weight: 600; font-size: 0.9rem; color: var(--near-black); }
.t-role  { font-size: 0.8rem; color: #7a8a9e; }

/* ==============================================================
   CARRIER LOGOS STRIP
   ============================================================== */
.carrier-logos-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.carrier-logo-placeholder {
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--light-gray);
  border-radius: var(--radius);
  padding: 0 1.25rem;
  font-size: 0.75rem;
  font-weight: 700;
  color: #9aaab8;
  letter-spacing: 0.05em;
  white-space: nowrap;
}

/* ==============================================================
   BLOG CARDS
   ============================================================== */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.blog-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--light-gray);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.blog-card-img {
  aspect-ratio: 16/9;
  background: var(--light-gray);
  overflow: hidden;
}
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-card-body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.blog-cat {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--vivid-blue);
  margin-bottom: 0.5rem;
}
.blog-cat--green { color: var(--dark-green); }
.blog-card h3 {
  font-size: 1rem;
  margin-bottom: 0.75rem;
  line-height: 1.45;
}
.blog-card h3 a { color: var(--near-black); }
.blog-card h3 a:hover { color: var(--vivid-blue); text-decoration: none; }
.blog-card p { font-size: 0.875rem; color: #6a7a8e; margin-bottom: auto; }
.blog-meta { font-size: 0.78rem; color: #9aaab8; margin-top: 1rem; }

/* ==============================================================
   CTA BAND
   ============================================================== */
.cta-band { background: var(--vivid-blue); padding: 4.5rem 0; text-align: center; }
.cta-band h2 { color: white; margin-bottom: 0.75rem; }
.cta-band p  { color: rgba(255,255,255,0.8); font-size: 1.0625rem; margin-bottom: 2rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

.cta-two-option { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.cta-option {
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  text-align: center;
}
.cta-option--pc       { background: var(--dark-blue); }
.cta-option--benefits { background: var(--vivid-blue); }
.cta-option h3 { color: white; margin-bottom: 0.5rem; }
.cta-option p  { color: rgba(255,255,255,0.72); font-size: 0.9375rem; margin-bottom: 1.5rem; }

/* ==============================================================
   CLAIMS / EXISTING CLIENT STRIP
   ============================================================== */
.claims-strip {
  background: var(--off-white);
  border-top: 1px solid var(--light-gray);
  border-bottom: 1px solid var(--light-gray);
  padding: 1.375rem 0;
}
.claims-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.claims-text-group { display: flex; align-items: center; gap: 1rem; }
.claims-icon-wrap {
  width: 42px; height: 42px;
  background: var(--dark-green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.claims-icon-wrap svg { width: 20px; height: 20px; fill: none; stroke: white; stroke-width: 2; }
.claims-copy strong { display: block; font-weight: 600; color: var(--near-black); font-size: 0.9375rem; }
.claims-copy span   { font-size: 0.85rem; color: #6a7a8e; }

/* ==============================================================
   COVERAGE LIST
   ============================================================== */
.coverage-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.875rem; }
.coverage-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  padding: 1rem 1.125rem;
  background: var(--off-white);
  border-radius: var(--radius);
  border: 1px solid var(--light-gray);
}
.cov-check {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--dark-green);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.cov-check svg { width: 12px; height: 12px; stroke: white; fill: none; stroke-width: 3; }
.cov-text strong { display: block; font-size: 0.9375rem; font-weight: 600; color: var(--near-black); margin-bottom: 0.2rem; }
.cov-text span   { font-size: 0.8375rem; color: #6a7a8e; }

/* ==============================================================
   PROCESS STEPS
   ============================================================== */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 27px;
  left: calc(12.5% + 27px);
  right: calc(12.5% + 27px);
  height: 2px;
  background: linear-gradient(90deg, var(--vivid-blue), rgba(0,61,153,0.2));
}
.process-step { text-align: center; position: relative; }
.step-num {
  width: 54px; height: 54px;
  border-radius: 50%;
  background: var(--vivid-blue);
  color: white;
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.125rem;
  position: relative;
  z-index: 1;
  box-shadow: 0 0 0 6px rgba(0,61,153,0.1);
}
.process-step h4 { font-size: 0.9375rem; margin-bottom: 0.5rem; }
.process-step p  { font-size: 0.85rem; color: #6a7a8e; margin-bottom: 0; }

/* ==============================================================
   SECTION HEADER
   ============================================================== */
.section-header {
  text-align: center;
  max-width: 660px;
  margin: 0 auto 3rem;
}
.section-header h2    { margin-bottom: 1rem; }
.section-header p     { color: #5a6a7e; font-size: 1.0625rem; margin-bottom: 0; }
.section--blue .section-header .eyebrow { color: rgba(255,255,255,0.5); }
.section--blue .section-header h2 { color: white; }
.section--blue .section-header p  { color: rgba(255,255,255,0.72); }

/* ==============================================================
   NOTICE / ALERT BOXES
   ============================================================== */
.notice {
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  display: flex;
  gap: 0.875rem;
  align-items: flex-start;
  margin: 1.5rem 0;
}
.notice--info  { background: var(--light-blue-tint); border: 1px solid rgba(0,61,153,0.15); }
.notice--green { background: var(--light-green-tint); border: 1px solid rgba(0,128,0,0.15); }
.notice--amber { background: #fef5e4; border: 1px solid rgba(200,147,42,0.25); }
.notice-icon   { font-size: 1.25rem; flex-shrink: 0; }
.notice-body strong { display: block; margin-bottom: 0.2rem; font-size: 0.9375rem; color: var(--near-black); }
.notice-body p { margin-bottom: 0; font-size: 0.875rem; color: #5a6a7e; }

/* ==============================================================
   BADGES
   ============================================================== */
.badge {
  display: inline-block;
  padding: 0.25rem 0.75rem;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.badge--blue  { background: var(--light-blue-tint); color: var(--vivid-blue); }
.badge--green { background: var(--light-green-tint); color: var(--dark-green); }
.badge--amber { background: #fef5e4; color: var(--amber); }
.badge--gray  { background: var(--light-gray); color: #6a7a8e; }

/* ==============================================================
   COMPARISON TABLE
   ============================================================== */
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.9rem;
}
.comparison-table th {
  background: var(--dark-blue);
  color: white;
  padding: 0.875rem 1.25rem;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 0.875rem;
  font-weight: 600;
}
.comparison-table td {
  padding: 0.75rem 1.25rem;
  border-bottom: 1px solid var(--light-gray);
}
.comparison-table tr:nth-child(even) td { background: var(--off-white); }
.comparison-table td.feature { font-weight: 600; color: var(--near-black); }
.yes  { color: var(--dark-green); font-weight: 700; }
.no   { color: #c0392b; }
.maybe { color: var(--amber); font-weight: 600; }

/* ==============================================================
   FORMS
   ============================================================== */
.form-box {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(0,0,0,0.06);
}
.form-tabs {
  display: flex;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 2rem;
}
.form-tab {
  flex: 1;
  padding: 0.75rem;
  text-align: center;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 600;
  color: #6a7a8e;
  transition: all var(--transition);
}
.form-tab.active { background: var(--vivid-blue); color: white; }
.form-tab:hover:not(.active) { background: var(--light-blue-tint); color: var(--vivid-blue); }
.form-panel { display: none; }
.form-panel.active { display: block; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--near-black);
  margin-bottom: 0.4rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.6875rem 0.875rem;
  border: 1.5px solid var(--light-gray);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  color: var(--near-black);
  background: white;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--vivid-blue);
  box-shadow: 0 0 0 3px rgba(0,61,153,0.1);
}
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group textarea { height: 120px; resize: vertical; }
.form-note { font-size: 0.8rem; color: #9aaab8; margin-top: 0.875rem; line-height: 1.55; }

/* ==============================================================
   ASSET / LOGO PLACEHOLDERS
   ============================================================== */
.asset-placeholder {
  background: repeating-linear-gradient(45deg, #f4f4f4, #f4f4f4 10px, #ececec 10px, #ececec 20px);
  border: 2px dashed #ccc;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  color: #aaa;
  text-align: center;
  padding: 1.5rem;
}
.asset-flag {
  display: inline-block;
  background: #fff3cd;
  border: 1px solid #f0c040;
  color: #856404;
  border-radius: var(--radius);
  font-size: 0.78rem;
  padding: 0.375rem 0.75rem;
  margin: 0.5rem 0;
}

/* ==============================================================
   FOOTER
   ============================================================== */
#site-footer {
  background: var(--dark-blue);
  color: rgba(255,255,255,0.7);
  padding: 4.5rem 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}
.footer-brand { }
.footer-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.125rem;
  text-decoration: none !important;
}
.footer-logo .logo-shield { background: rgba(255,255,255,0.1); }
.footer-logo .logo-name   { color: white; }
.footer-logo .logo-sub    { color: rgba(255,255,255,0.4); }

.footer-brand > p {
  font-size: 0.875rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.25rem;
}
.footer-contact a {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.65);
  font-size: 0.875rem;
  text-decoration: none;
  margin-bottom: 0.4rem;
  transition: color var(--transition);
}
.footer-contact a:hover { color: white; }

.footer-col h5 {
  color: white;
  font-size: 0.875rem;
  font-weight: 700;
  margin-bottom: 1rem;
  letter-spacing: 0.03em;
}
.footer-nav { display: flex; flex-direction: column; gap: 0.45rem; }
.footer-nav a {
  color: rgba(255,255,255,0.55);
  font-size: 0.875rem;
  text-decoration: none;
  transition: color var(--transition);
}
.footer-nav a:hover { color: rgba(255,255,255,0.88); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
}
.footer-bottom-inner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}
.footer-legal {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.6;
  max-width: 680px;
}
.footer-legal a { color: rgba(255,255,255,0.4); }
.footer-legal a:hover { color: rgba(255,255,255,0.7); }
.footer-util-links {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
  flex-shrink: 0;
}
.footer-util-links a {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  white-space: nowrap;
}
.footer-util-links a:hover { color: rgba(255,255,255,0.8); }

/* ==============================================================
   MISC
   ============================================================== */
.divider {
  border: none;
  border-top: 1px solid var(--light-gray);
  margin: 2rem 0;
}
.img-placeholder {
  background: var(--light-gray);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #aaa;
  font-size: 0.85rem;
}

/* Inline stat highlight */
.stat-highlight {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  background: var(--light-blue-tint);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: center;
}
.stat-highlight .big-num {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--dark-blue);
  line-height: 1;
}
.stat-highlight .stat-desc {
  font-size: 0.875rem;
  color: #5a6a7e;
  margin-top: 0.375rem;
}

/* Team Card */
.team-card {
  text-align: center;
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--light-gray);
  overflow: hidden;
  transition: all var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.team-photo {
  aspect-ratio: 1;
  background: var(--light-gray);
  overflow: hidden;
}
.team-photo img { width: 100%; height: 100%; object-fit: cover; }
.team-info { padding: 1.25rem; }
.team-name  { font-weight: 700; color: var(--dark-blue); font-size: 1rem; margin-bottom: 0.25rem; }
.team-role  { font-size: 0.85rem; color: #6a7a8e; }

/* Page intro with sidebar layout */
.page-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 3rem;
  align-items: flex-start;
}
.page-sidebar .sidebar-box {
  background: var(--light-blue-tint);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  margin-bottom: 1.5rem;
}
.page-sidebar .sidebar-box h4 { margin-bottom: 0.875rem; }
.page-sidebar .sidebar-box ul { display: flex; flex-direction: column; gap: 0.375rem; }
.page-sidebar .sidebar-box li { font-size: 0.9rem; color: #5a6a7e; padding-left: 1rem; position: relative; }
.page-sidebar .sidebar-box li::before { content: '✓'; position: absolute; left: 0; color: var(--dark-green); font-size: 0.8rem; font-weight: 700; }

/* Sub-nav pills for hub pages */
.sub-nav {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--light-gray);
  margin-bottom: 2.5rem;
}
.sub-nav a {
  display: inline-block;
  padding: 0.4rem 0.875rem;
  background: var(--light-blue-tint);
  border-radius: 100px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--vivid-blue);
  text-decoration: none;
  transition: all var(--transition);
}
.sub-nav a:hover, .sub-nav a.active {
  background: var(--vivid-blue);
  color: white;
}

/* ==============================================================
   RESPONSIVE
   ============================================================== */
@media (max-width: 1100px) {
  .value-props    { grid-template-columns: repeat(2, 1fr); }
  .process-steps  { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .footer-grid    { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .industries-grid { grid-template-columns: repeat(3, 1fr); }
  .page-layout    { grid-template-columns: 1fr; }
  .page-sidebar   { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
}
@media (max-width: 900px) {
  .nav-links, .nav-phone { display: none; }
  .hamburger { display: flex; }
  .two-track   { grid-template-columns: 1fr; }
  .g-3 { grid-template-columns: 1fr 1fr; }
  .g-4 { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .blog-grid   { grid-template-columns: 1fr 1fr; }
  .cta-two-option { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .section { padding: 3.5rem 0; }
  .g-2, .g-3 { grid-template-columns: 1fr; }
  .g-4 { grid-template-columns: 1fr 1fr; }
  .industries-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .value-props, .process-steps { grid-template-columns: 1fr; }
  .coverage-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .states-list { gap: 2rem; }
  .footer-bottom-inner { flex-direction: column; }
  .claims-inner { flex-direction: column; text-align: center; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .cta-actions  { flex-direction: column; align-items: center; }
  .hero-stats   { flex-wrap: wrap; }
  .hero-stat    { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding: 0.75rem 1rem; }
  .page-sidebar { grid-template-columns: 1fr; }
}
@media print {
  #site-header, #site-footer, .hamburger, .mobile-nav, .btn { display: none; }
  .page-content { padding-top: 0; }
}