/* =========================================================
   RG Insurance — static site stylesheet
   Edit the tokens in :root to re-theme the whole site.
   ========================================================= */

@font-face {
  font-family: "Public Sans";
  src: url("../fonts/public-sans-latin-wght-normal.woff2") format("woff2");
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Public Sans";
  src: url("../fonts/public-sans-latin-wght-italic.woff2") format("woff2");
  font-weight: 100 900;
  font-style: italic;
  font-display: swap;
}

:root {
  --navy: #0c2340;        /* header bars, footer, headings */
  --navy-2: #133258;
  --blue: #1d4f91;        /* links, secondary buttons */
  --blue-soft: #e7f0fa;   /* alternate section background */
  --gold: #ffc629;        /* primary call-to-action */
  --gold-dark: #e8ad00;
  --ink: #1b2330;         /* body text */
  --muted: #5a6677;
  --line: #d5dde7;
  --paper: #ffffff;
  --paper-2: #f5f7fa;
  --ok: #1f7a4d;

  --radius-s: 6px;
  --radius-m: 12px;
  --radius-l: 20px;
  --wrap: 1200px;
  --gutter: clamp(16px, 4vw, 32px);
  --shadow: 0 10px 30px -12px rgba(12, 35, 64, 0.28);

  --step--1: 0.875rem;
  --step-0: 1rem;
  --step-1: 1.125rem;
  --step-2: 1.375rem;
  --step-3: 1.75rem;
  --step-4: clamp(2rem, 1.4rem + 2.4vw, 2.75rem);
  --step-5: clamp(2.4rem, 1.5rem + 3.6vw, 3.75rem);
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }

body {
  margin: 0;
  font-family: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-size: var(--step-0);
  line-height: 1.6;
  color: var(--text);
  background: var(--surface);
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--link); text-underline-offset: 3px; }
a:hover { color: var(--heading); }
h1, h2, h3, h4 { color: var(--heading); line-height: 1.15; margin: 0 0 0.5em; letter-spacing: -0.015em; }
h1 { font-size: var(--step-5); font-weight: 800; }
h2 { font-size: var(--step-4); font-weight: 800; }
h3 { font-size: var(--step-2); font-weight: 700; }
h4 { font-size: var(--step-1); font-weight: 700; }
p { margin: 0 0 1em; }
.lede { font-size: var(--step-1); color: var(--muted); max-width: 60ch; }

:focus-visible { outline: 3px solid var(--link); outline-offset: 2px; border-radius: 4px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--navy); padding: 8px 14px; z-index: 100; font-weight: 700; }
.skip:focus { left: 8px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section--tint { background: var(--tint); }
.section--gray { background: var(--surface-2); }
.section-head { max-width: 720px; margin-bottom: 40px; }
.section-head--center { text-align: center; margin-left: auto; margin-right: auto; }
.section-head--center .lede { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: inherit; font-weight: 700; font-size: var(--step-0);
  padding: 13px 26px; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; line-height: 1.2;
  transition: background-color .15s, border-color .15s, color .15s;
}
.btn--primary { background: var(--gold); color: var(--navy); }
.btn--primary:hover { background: var(--gold-dark); color: var(--navy); }
.btn--secondary { background: transparent; border-color: var(--link); color: var(--link); }
.btn--secondary:hover { background: var(--link); color: #fff; }
.btn--light { background: transparent; border-color: #fff; color: #fff; }
.btn--light:hover { background: #fff; color: var(--navy); }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.textlink { font-weight: 700; text-decoration: none; color: var(--link); }
.textlink:hover { text-decoration: underline; }

/* ---------- Utility bar ---------- */
.utility { background: var(--band); color: #cfd9e6; font-size: var(--step--1); }
.utility .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.utility a { color: #fff; text-decoration: none; }
.utility a:hover { text-decoration: underline; color: #fff; }
.utility__links { display: flex; gap: 22px; align-items: center; }
.utility__links svg { width: 15px; height: 15px; display: inline-block; vertical-align: -2px; margin-right: 6px; }

/* ---------- Header / nav ---------- */
.header { background: var(--surface); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header .wrap { display: flex; align-items: center; gap: 28px; min-height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--heading); flex-shrink: 0; }
.logo__mark { width: 44px; height: 44px; }
.logo__text { font-weight: 800; font-size: 1.3rem; letter-spacing: -0.02em; line-height: 1; }
.logo__text small { display: block; font-size: 0.68rem; font-weight: 600; color: var(--muted); letter-spacing: 0.02em; margin-top: 3px; }

.nav { display: flex; align-items: stretch; gap: 4px; flex: 1; height: 76px; }
.nav__item { position: relative; display: flex; align-items: stretch; }
.nav__link {
  display: flex; align-items: center; gap: 6px; padding: 0 14px;
  font: inherit; font-weight: 600; color: var(--heading); background: none; border: 0;
  text-decoration: none; cursor: pointer; border-bottom: 3px solid transparent;
}
.nav__link:hover, .nav__item.is-open > .nav__link, .nav__link[aria-current="page"] { border-bottom-color: var(--gold); color: var(--heading); }
.nav__link .chev { width: 12px; height: 12px; transition: transform .15s; }
.nav__item.is-open .chev { transform: rotate(180deg); }

.mega {
  position: absolute; top: 100%; left: 0; min-width: 560px;
  background: var(--surface); border: 1px solid var(--line); border-top: 3px solid var(--gold);
  border-radius: 0 0 var(--radius-m) var(--radius-m); box-shadow: var(--shadow);
  padding: 26px 28px; display: none; gap: 32px;
}
.nav__item.is-open .mega { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.mega--wide { min-width: 760px; }
.nav__item.is-open .mega--wide { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.mega h4 { font-size: var(--step--1); color: var(--muted); font-weight: 700; margin: 0 0 10px; }
.mega ul { list-style: none; margin: 0; padding: 0; }
.mega li a { display: block; padding: 7px 0; color: var(--heading); text-decoration: none; font-weight: 500; }
.mega li a:hover { color: var(--link); text-decoration: underline; }
.mega__cta { background: var(--tint); border-radius: var(--radius-m); padding: 18px; }
.mega__cta p { font-size: var(--step--1); color: var(--muted); }
.mega__cta .phone { font-size: var(--step-2); font-weight: 800; color: var(--heading); text-decoration: none; display: block; margin-bottom: 8px; }

.header__actions { display: flex; align-items: center; gap: 18px; margin-left: auto; }
.header__actions .textlink { color: var(--heading); }
.header__actions .btn { padding: 11px 22px; }
.header__actions a, .nav__link { white-space: nowrap; }
:lang(es) .nav__link { padding-left: 10px; padding-right: 10px; }

.burger { display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--heading); }
.burger svg { width: 28px; height: 28px; }

/* Mobile drawer */
.drawer { display: none; }
@media (max-width: 1080px) {
  .nav, .header__actions { display: none; }
  .burger { display: block; }
  .utility__hide-sm { display: none; }
  .drawer { display: block; position: fixed; inset: 0; z-index: 90; pointer-events: none; }
  .drawer__scrim { position: absolute; inset: 0; background: rgba(12, 35, 64, .5); opacity: 0; transition: opacity .2s; }
  .drawer__panel {
    position: absolute; top: 0; right: 0; bottom: 0; width: min(380px, 88vw);
    background: var(--surface); transform: translateX(100%); transition: transform .25s ease;
    overflow-y: auto; padding: 18px 20px 40px;
  }
  .drawer.is-open { pointer-events: auto; }
  .drawer.is-open .drawer__scrim { opacity: 1; }
  .drawer.is-open .drawer__panel { transform: none; }
  .drawer__top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
  .drawer details { border-bottom: 1px solid var(--line); }
  .drawer summary { list-style: none; padding: 14px 0; font-weight: 700; color: var(--heading); cursor: pointer; display: flex; justify-content: space-between; }
  .drawer summary::-webkit-details-marker { display: none; }
  .drawer summary::after { content: "+"; font-size: 1.3rem; line-height: 1; }
  .drawer details[open] summary::after { content: "–"; }
  .drawer ul { list-style: none; margin: 0 0 12px; padding: 0; }
  .drawer li a { display: block; padding: 8px 0 8px 12px; color: var(--text); text-decoration: none; }
  .drawer__plain { display: block; padding: 14px 0; font-weight: 700; color: var(--heading); text-decoration: none; border-bottom: 1px solid var(--line); }
  .drawer .btn { margin-top: 20px; }
}

/* ---------- Hero ---------- */
.hero { position: relative; background: linear-gradient(180deg, var(--tint) 0%, var(--bg) 100%); overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: 48px; align-items: center; padding-top: clamp(40px, 6vw, 72px); padding-bottom: clamp(48px, 6vw, 80px); }
.hero h1 { max-width: 14ch; }
.hero__art { position: relative; }
.hero__art img { width: 100%; height: auto; border-radius: var(--radius-l); }
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero__art { max-width: 560px; }
}
@media (max-width: 600px) {
  .hero__art { display: none; }
}

/* Quote widget (the hero's product picker + ZIP) */
.quote {
  background: var(--surface); border-radius: var(--radius-l); padding: 24px;
  box-shadow: var(--shadow); margin-top: 28px; max-width: 580px;
}
.quote__label { font-weight: 700; color: var(--heading); margin: 0 0 12px; }
.chips { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 8px; margin-bottom: 18px; border: 0; padding: 0; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span {
  display: flex; flex-direction: column; align-items: center; gap: 6px; text-align: center;
  padding: 12px 6px; border: 2px solid var(--line); border-radius: var(--radius-m);
  font-size: 0.82rem; font-weight: 600; color: var(--heading); line-height: 1.2; height: 100%;
}
.chip svg { width: 30px; height: 30px; color: var(--link); }
.chip input:hover + span { border-color: var(--link); }
.chip input:checked + span { border-color: var(--heading); background: var(--tint); box-shadow: inset 0 0 0 1px var(--heading); }
.chip input:focus-visible + span { outline: 3px solid var(--link); outline-offset: 2px; }
.quote__row { display: flex; gap: 10px; }
.field { display: flex; flex-direction: column; gap: 6px; flex: 1; }
.field label { font-size: var(--step--1); font-weight: 700; color: var(--heading); }
.input, select.input, textarea.input {
  font: inherit; padding: 12px 14px; border: 2px solid var(--line); border-radius: var(--radius-s);
  background: var(--surface); color: var(--text); width: 100%;
}
.input:focus { border-color: var(--link); outline: none; box-shadow: 0 0 0 3px rgba(29, 79, 145, .18); }
.input[aria-invalid="true"] { border-color: #b3261e; }
.field__error { color: #b3261e; font-size: var(--step--1); min-height: 1.2em; }
.quote__row .btn { align-self: flex-end; white-space: nowrap; }
.quote__alt { margin: 14px 0 0; font-size: var(--step--1); color: var(--muted); }
@media (max-width: 520px) {
  .chips { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .quote { padding: 18px; }
  .quote__row { flex-direction: column; }
  .quote__row .btn { align-self: stretch; }
}

/* ---------- Trust strip ---------- */
.trust { background: var(--band); color: #fff; }
.trust .wrap { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
.trust__item { padding: 30px 28px; display: flex; gap: 16px; align-items: flex-start; }
.trust__item + .trust__item { border-left: 1px solid rgba(255,255,255,.14); }
.trust__item svg { width: 36px; height: 36px; flex-shrink: 0; color: var(--gold); }
.trust__item h3 { color: #fff; font-size: var(--step-1); margin: 0 0 4px; }
.trust__item p { margin: 0; color: #c9d5e4; font-size: var(--step--1); }
@media (max-width: 820px) {
  .trust .wrap { grid-template-columns: 1fr; }
  .trust__item + .trust__item { border-left: 0; border-top: 1px solid rgba(255,255,255,.14); }
  .trust__item { padding: 22px 0; }
}

/* ---------- Product cards ---------- */
.group-label { font-size: var(--step-1); font-weight: 700; color: var(--muted); margin: 0 0 16px; }
.products { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; margin-bottom: 40px; }
.product {
  display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-m); padding: 26px; text-decoration: none; color: var(--text);
  border-top: 4px solid var(--link);
}
.product--biz { border-top-color: var(--gold); }
.product:hover { border-color: var(--link); border-top-color: var(--heading); }
.product__icon { width: 48px; height: 48px; color: var(--link); margin-bottom: 14px; }
.product h3 { margin-bottom: 6px; }
.product p { color: var(--muted); font-size: var(--step--1); }
.product ul { margin: 0 0 18px; padding: 0; list-style: none; font-size: var(--step--1); }
.product li { padding: 4px 0 4px 24px; position: relative; }
.product li::before { content: ""; position: absolute; left: 2px; top: 10px; width: 12px; height: 7px; border-left: 2px solid var(--ok); border-bottom: 2px solid var(--ok); transform: rotate(-45deg); }
.product .textlink { margin-top: auto; }

/* ---------- Split feature ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 72px); align-items: center; }
.split--flip .split__media { order: 2; }
.split__media { border-radius: var(--radius-l); overflow: hidden; background: var(--tint); }
.split__media svg { width: 100%; height: auto; }
.checks { list-style: none; padding: 0; margin: 0 0 28px; }
.checks li { padding: 8px 0 8px 36px; position: relative; font-weight: 500; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: 9px; width: 24px; height: 24px; border-radius: 50%;
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230c2340' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/16px no-repeat;
}
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } .split--flip .split__media { order: 0; } }

/* ---------- Claims band ---------- */
.claims-band { background: var(--band); color: #fff; border-radius: var(--radius-l); overflow: hidden; display: grid; grid-template-columns: 1.2fr 1fr; }
.claims-band__body { padding: clamp(28px, 5vw, 56px); }
.claims-band h2 { color: #fff; }
.claims-band p { color: #c9d5e4; max-width: 46ch; }
.claims-band__art { background: var(--navy-2); display: flex; align-items: flex-end; justify-content: center; }
.claims-band__art svg { width: 100%; height: auto; }
@media (max-width: 820px) { .claims-band { grid-template-columns: 1fr; } .claims-band__art { display: none; } }

/* ---------- Two-path cards ---------- */
.paths { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.path { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-l); overflow: hidden; display: flex; flex-direction: column; }
.path__art { background: var(--tint); padding: 28px 28px 0; }
.path__art svg { width: 100%; height: 180px; }
.path__body { padding: 26px 28px 30px; display: flex; flex-direction: column; flex: 1; }
.path__body p { color: var(--muted); }
.path__body .btn { align-self: flex-start; margin-top: auto; }
@media (max-width: 760px) { .paths { grid-template-columns: 1fr; } }

/* ---------- Steps (a real sequence, so numbered) ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: step; }
.steps li { counter-increment: step; position: relative; padding-top: 64px; }
.steps li::before {
  content: counter(step); position: absolute; top: 0; left: 0; width: 48px; height: 48px; border-radius: 50%;
  background: var(--band); color: var(--gold); font-weight: 800; font-size: 1.25rem; display: grid; place-items: center;
}
.steps li:not(:last-child)::after { content: ""; position: absolute; top: 24px; left: 64px; right: 12px; height: 2px; background: var(--line); }
.steps p { color: var(--muted); }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } .steps li::after { display: none; } }

/* ---------- Testimonials ---------- */
.reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.review { background: var(--surface); border-radius: var(--radius-m); padding: 26px; border: 1px solid var(--line); display: flex; flex-direction: column; }
.review blockquote { margin: 0 0 18px; font-size: var(--step-1); color: var(--heading); line-height: 1.5; }
.review footer { margin-top: auto; font-size: var(--step--1); color: var(--muted); }
.review footer strong { color: var(--heading); display: block; font-size: var(--step-0); }
.stars { color: var(--gold-dark); letter-spacing: 2px; margin-bottom: 10px; font-size: 1.1rem; }
.sample-tag { display: inline-block; background: #fff4d1; color: #7a5a00; font-size: 0.75rem; font-weight: 700; padding: 2px 8px; border-radius: 4px; margin-top: 8px; }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 40px 20px 0; font-weight: 700; color: var(--heading); font-size: var(--step-1); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 8px; top: 28px; width: 10px; height: 10px; border-right: 2px solid var(--link); border-bottom: 2px solid var(--link); transform: rotate(45deg); transition: transform .15s; }
.faq details[open] summary::after { transform: rotate(-135deg); top: 32px; }
.faq details > div { padding: 0 0 20px; color: var(--muted); max-width: 70ch; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--gold); }
.cta-band .wrap { display: flex; justify-content: space-between; align-items: center; gap: 24px; padding-top: 44px; padding-bottom: 44px; flex-wrap: wrap; }
.cta-band h2 { margin: 0; font-size: var(--step-3); }
.cta-band p { margin: 4px 0 0; color: var(--navy); }
.cta-band .btn--primary { background: var(--navy); color: #fff; }
.cta-band .btn--primary:hover { background: var(--navy-2); color: #fff; }
.cta-band .btn--secondary { border-color: var(--navy); color: var(--navy); }
.cta-band .btn--secondary:hover { background: var(--navy); color: #fff; }

/* ---------- Footer ---------- */
.footer { background: var(--band); color: #c9d5e4; font-size: var(--step--1); }
.footer a { color: #fff; text-decoration: none; }
.footer a:hover { text-decoration: underline; color: #fff; }
.footer__top { display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: 32px; padding-top: 56px; padding-bottom: 40px; }
.footer h4 { color: #fff; font-size: var(--step-0); margin-bottom: 14px; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { padding: 5px 0; }
.footer .logo { color: #fff; margin-bottom: 16px; }
.footer .logo__mark { background: #fff; border-radius: 10px; padding: 3px; }
.footer .logo__text small { color: #9fb1c7; }
.footer__phone { font-size: var(--step-2); font-weight: 800; display: block; margin: 6px 0 2px; }
.social { display: flex; gap: 10px; margin-top: 18px; }
.social a { width: 38px; height: 38px; border-radius: 50%; border: 1px solid rgba(255,255,255,.3); display: grid; place-items: center; }
.social svg { width: 18px; height: 18px; }
.footer__legal { border-top: 1px solid rgba(255,255,255,.14); padding-top: 24px; padding-bottom: 32px; }
.footer__legal-links { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-bottom: 14px; }
.footer__legal p { max-width: 110ch; color: #9fb1c7; }
@media (max-width: 980px) { .footer__top { grid-template-columns: 1fr 1fr; } .footer__brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer__top { grid-template-columns: 1fr; } }

/* ---------- Inner pages ---------- */
.crumbs { font-size: var(--step--1); color: var(--muted); margin-bottom: 14px; }
.crumbs a { color: var(--link); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }
.page-hero { background: linear-gradient(180deg, var(--tint), var(--bg)); }
.page-hero .wrap { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 48px; align-items: center; padding-top: 44px; padding-bottom: 60px; }
.page-hero h1 { font-size: var(--step-4); max-width: 18ch; }
.page-hero--simple .wrap { grid-template-columns: 1fr; }
.page-hero .quote { margin-top: 0; }
@media (max-width: 900px) { .page-hero .wrap { grid-template-columns: 1fr; } }

.cover-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 900px) { .cover-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .cover-grid { grid-template-columns: 1fr; } }
.cover { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 24px; }
.cover svg { width: 36px; height: 36px; color: var(--link); margin-bottom: 12px; }
.cover h3 { font-size: var(--step-1); }
.cover p { color: var(--muted); font-size: var(--step--1); margin: 0; }

.pill-list { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 0; }
.pill-list li { background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 8px 16px; font-weight: 600; color: var(--heading); font-size: var(--step--1); }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; gap: 28px; } }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-l); padding: clamp(22px, 4vw, 36px); }
.card--navy { background: var(--band); color: #c9d5e4; border: 0; }
.card--navy h2, .card--navy h3 { color: #fff; }
.card--navy a:not(.btn) { color: #fff; }

.claim-lines { width: 100%; border-collapse: collapse; font-size: var(--step--1); }
.claim-lines th, .claim-lines td { text-align: left; padding: 12px 10px; border-bottom: 1px solid var(--line); }
.claim-lines th { color: var(--muted); font-weight: 700; }
.claim-lines td:first-child { font-weight: 700; color: var(--heading); }

/* ---------- Multi-step quote form ---------- */
.form-shell { max-width: 760px; margin: 0 auto; }
.progress { display: flex; gap: 8px; list-style: none; padding: 0; margin: 0 0 28px; }
.progress li { flex: 1; font-size: var(--step--1); font-weight: 600; color: var(--muted); }
.progress li::before { content: ""; display: block; height: 6px; border-radius: 3px; background: var(--line); margin-bottom: 8px; }
.progress li.is-done::before, .progress li.is-current::before { background: var(--heading); }
.progress li.is-current { color: var(--heading); }
.form-step { display: none; }
.form-step.is-active { display: block; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 20px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.form-note { font-size: var(--step--1); color: var(--muted); }
.success { text-align: center; padding: 32px 0; }
.success svg { width: 72px; height: 72px; margin: 0 auto 16px; color: var(--ok); }

.map-ph { background: var(--tint); border-radius: var(--radius-l); min-height: 280px; display: grid; place-items: center; color: var(--muted); text-align: center; padding: 24px; border: 2px dashed var(--line); }
.hours { width: 100%; font-size: var(--step--1); border-collapse: collapse; }
.hours td { padding: 6px 0; border-bottom: 1px solid var(--line); }
.hours td:last-child { text-align: right; font-weight: 600; color: var(--heading); }

.prose { max-width: 72ch; }
.prose h2 { font-size: var(--step-3); margin-top: 1.6em; }

/* =========================================================
   Application page, notices, announcement bar
   ========================================================= */
.announce { background: var(--gold); color: var(--navy); text-align: center; font-weight: 700; font-size: var(--step--1); padding: 9px var(--gutter); }
.notice { background: #fff8e1; border: 1px solid #f1d27a; color: #5c4400; border-radius: var(--radius-m); padding: 14px 18px; margin-bottom: 20px; font-size: var(--step--1); }
.notice--ok { background: #e8f5ee; border-color: #9fd1b5; color: #14512f; margin: 16px 0 0; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.step-title { font-size: var(--step-3); }
.field__hint { font-size: 0.8rem; color: var(--muted); }
.field__error:empty { min-height: 0; }
.form-grid .field .field__error { min-height: 0; }

.type-block { border: 0; padding: 0; margin: 0 0 28px; }
.type-block + .type-block { border-top: 1px solid var(--line); padding-top: 28px; }
.type-block > legend { display: flex; align-items: center; gap: 10px; font-size: var(--step-2); font-weight: 800; color: var(--heading); padding: 0; margin-bottom: 4px; }
.type-block > legend svg { width: 28px; height: 28px; color: var(--link); }

.opt-group { border: 0; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.opt-group > legend { font-size: var(--step--1); font-weight: 700; color: var(--heading); padding: 0; margin-bottom: 8px; width: 100%; }
.opt { display: inline-flex; align-items: center; gap: 8px; border: 2px solid var(--line); border-radius: 999px; padding: 8px 14px; cursor: pointer; font-size: var(--step--1); font-weight: 600; color: var(--heading); background: var(--surface); }
.opt input { accent-color: var(--heading); width: 16px; height: 16px; margin: 0; }
.opt:hover { border-color: var(--link); }
.opt:has(input:checked) { border-color: var(--heading); background: var(--tint); }
.opt:has(input:focus-visible) { outline: 3px solid var(--link); outline-offset: 2px; }
.consent { border-radius: var(--radius-m); align-items: flex-start; padding: 14px 16px; margin-top: 20px; font-weight: 500; line-height: 1.5; }
.consent input { margin-top: 3px; flex-shrink: 0; }

.review-block { border: 1px solid var(--line); border-radius: var(--radius-m); padding: 16px 20px; margin-bottom: 14px; }
.review-block__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.review-block h3 { font-size: var(--step-1); margin: 0 0 8px; }
.review-block dl { display: grid; grid-template-columns: minmax(140px, 40%) 1fr; gap: 6px 16px; margin: 0; font-size: var(--step--1); }
.review-block dt { color: var(--muted); }
.review-block dd { margin: 0; color: var(--text); font-weight: 600; overflow-wrap: anywhere; }
@media (max-width: 520px) { .review-block dl { grid-template-columns: 1fr; } .review-block dd { margin-bottom: 8px; } }
.linkbtn { background: none; border: 0; padding: 0; font: inherit; font-weight: 700; color: var(--link); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.progress { counter-reset: none; }
@media (max-width: 520px) { .progress li { font-size: 0.72rem; } }
.form-shell, .step-title { scroll-margin-top: 110px; }

/* =========================================================
   Status pills (shared by the profile page and the dashboard)
   ========================================================= */
.pill { display: inline-flex; align-items: center; gap: 6px; border-radius: 999px; padding: 3px 10px; font-size: 0.78rem; font-weight: 700; white-space: nowrap; border: 1px solid transparent; }
.pill::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: currentColor; }
.pill--new { background: #fff4d1; color: #7a5a00; border-color: #f1d27a; }
.pill--in_review { background: #e7f0fa; color: #1d4f91; border-color: #bcd3ee; }
.pill--info_needed { background: #fdecea; color: #a4281e; border-color: #f3c2bd; }
.pill--quoted { background: #efe9fb; color: #5a3aa6; border-color: #d4c7f1; }
.pill--approved { background: #e8f5ee; color: #1f7a4d; border-color: #a9d8bd; }
.pill--declined { background: #f1f3f6; color: #5a6677; border-color: #d5dde7; }

/* ---------- Password field with Show button ---------- */
.pw-wrap { position: relative; }
.pw-wrap .input { padding-right: 76px; }
.pw-toggle { position: absolute; right: 8px; top: 50%; transform: translateY(-50%); background: none; border: 0; font: inherit; font-size: var(--step--1); font-weight: 700; color: var(--link); cursor: pointer; padding: 6px 8px; }

/* =========================================================
   Log in / Sign up
   ========================================================= */
.auth { background: linear-gradient(180deg, var(--tint), var(--bg)); padding: clamp(32px, 6vw, 72px) 0; }
.auth__grid { display: grid; grid-template-columns: minmax(0, 520px) minmax(0, 1fr); gap: clamp(28px, 6vw, 80px); align-items: start; }
.auth__card { box-shadow: var(--shadow); border: 0; }
.auth__title { font-size: var(--step-3); margin: 6px 0 16px; }
.auth__panel .field { margin-bottom: 14px; }
.auth__panel .form-grid .field { margin-bottom: 0; }
.auth__panel .form-grid { margin-bottom: 14px; }
.auth__forgot { display: block; margin: -4px 0 12px auto; font-size: var(--step--1); }
.auth__switch { text-align: center; margin: 16px 0 0; font-size: var(--step--1); color: var(--muted); }
.auth__side { padding-top: 24px; }
.auth__side h2 { font-size: var(--step-3); }
.tabs { display: grid; grid-template-columns: 1fr 1fr; background: var(--surface-2); border-radius: 999px; padding: 4px; margin-bottom: 18px; }
.tab { font: inherit; font-weight: 700; color: var(--muted); background: none; border: 0; padding: 10px; border-radius: 999px; cursor: pointer; }
.tab[aria-selected="true"] { background: var(--surface); color: var(--heading); box-shadow: 0 1px 4px rgba(12, 35, 64, .15); }
.notice code { font-family: inherit; font-weight: 700; }
@media (max-width: 860px) { .auth__grid { grid-template-columns: 1fr; } .auth__side { padding-top: 0; } }

/* Application page account prompts */
.account-note { margin: 0 0 18px; }
.track-cta { background: var(--tint); border-radius: var(--radius-m); padding: 18px; margin: 18px auto; max-width: 520px; }
.track-cta p { margin-bottom: 12px; }

/* =========================================================
   Customer profile
   ========================================================= */
.acct-hero__row { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; flex-wrap: wrap; }
.acct-hero .wrap { padding-bottom: 40px; }
.acct-section { margin-bottom: 48px; }
.acct-section > h2 { font-size: var(--step-3); }
.acct-empty { max-width: 640px; }

/* Policy shown like an insurance ID card */
.policy-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 360px), 1fr)); gap: 20px; }
.idcard { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-l); overflow: hidden; display: flex; flex-direction: column; }
.idcard__head { background: var(--band); color: #fff; padding: 16px 20px; display: flex; gap: 12px; align-items: center; }
.idcard__head strong { display: block; font-size: var(--step-1); }
.idcard__head div > span { display: block; color: #c9d5e4; font-size: var(--step--1); }
.idcard__icon svg { width: 32px; height: 32px; color: var(--gold); }
.idcard__head .badge { margin-left: auto; }
.idcard__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; padding: 18px 20px; margin: 0; }
.idcard__grid dt { font-size: 0.75rem; color: var(--muted); font-weight: 600; }
.idcard__grid dd { margin: 2px 0 0; font-weight: 800; color: var(--heading); font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.idcard__cov, .idcard__docs { padding: 0 20px 18px; }
.idcard__cov h4, .idcard__docs h4 { font-size: var(--step--1); margin-bottom: 6px; }
.idcard__cov p { font-size: var(--step--1); color: var(--text); white-space: pre-line; margin: 0; }
.idcard--off .idcard__head { background: #5a6677; }
.badge { font-size: 0.75rem; font-weight: 800; border-radius: 999px; padding: 3px 10px; white-space: nowrap; }
.badge--ok { background: #e8f5ee; color: #1f7a4d; }
.badge--warn { background: var(--gold); color: var(--navy); }
.badge--soon { background: #e7f0fa; color: var(--link); }
.badge--off { background: #f1f3f6; color: #5a6677; }

.doc-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.doc-list li { display: flex; align-items: center; gap: 12px; border: 1px solid var(--line); border-radius: var(--radius-m); padding: 10px 12px; background: var(--surface); }
.doc-list__icon svg { width: 26px; height: 26px; color: var(--link); }
.doc-list__name { flex: 1; min-width: 0; }
.doc-list__name strong { display: block; color: var(--heading); font-size: var(--step--1); overflow-wrap: anywhere; }
.doc-list__name span { font-size: 0.78rem; color: var(--muted); }

.app-card { display: grid; gap: 16px; margin-bottom: 18px; }
.app-card__head { display: flex; justify-content: space-between; gap: 14px; align-items: flex-start; flex-wrap: wrap; }
.app-card__head h3 { margin: 0 0 2px; font-size: var(--step-2); }
.app-card__head p { margin: 0; color: var(--muted); font-size: var(--step--1); }
.app-card__help { margin: 0; color: var(--text); }
.app-card h4 { font-size: var(--step--1); margin: 0 0 8px; }
.app-card__more summary { cursor: pointer; font-weight: 700; color: var(--link); }
.app-card__more[open] summary { margin-bottom: 12px; }
.app-card__more h5 { font-size: var(--step--1); margin: 14px 0 6px; color: var(--heading); }
.agent-msg { background: var(--tint); border-left: 4px solid var(--link); border-radius: 0 var(--radius-m) var(--radius-m) 0; padding: 14px 16px; }
.agent-msg p { margin: 0; white-space: pre-line; }

.tracker { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; }
.tracker li { font-size: 0.8rem; font-weight: 600; color: var(--muted); }
.tracker li::before { content: ""; display: block; height: 6px; border-radius: 3px; background: var(--line); margin-bottom: 8px; }
.tracker li.is-done::before { background: var(--ok); }
.tracker li.is-current::before { background: var(--heading); }
.tracker li.is-current { color: var(--heading); font-weight: 800; }
.tracker li.is-attn::before { background: #c0392b; }
.tracker li.is-attn { color: #a4281e; }
.tracker li.is-declined::before { background: #5a6677; }
@media (max-width: 520px) { .tracker li { font-size: 0.7rem; } }

.timeline { list-style: none; margin: 0; padding: 0 0 0 18px; border-left: 2px solid var(--line); display: grid; gap: 14px; }
.timeline li { position: relative; font-size: var(--step--1); }
.timeline li::before { content: ""; position: absolute; left: -24px; top: 5px; width: 10px; height: 10px; border-radius: 50%; background: var(--link); border: 2px solid #fff; }
.timeline strong { color: var(--heading); margin-right: 8px; }
.timeline span { color: var(--muted); font-size: 0.78rem; }
.timeline p { margin: 4px 0 0; white-space: pre-line; }
.kv { display: grid; grid-template-columns: minmax(130px, 42%) 1fr; gap: 6px 14px; margin: 0; font-size: var(--step--1); }
.kv dt { color: var(--muted); }
.kv dd { margin: 0; font-weight: 600; overflow-wrap: anywhere; }
@media (max-width: 520px) { .kv { grid-template-columns: 1fr; } }
@media (max-width: 340px) { .idcard__grid { grid-template-columns: 1fr; } }

/* =========================================================
   All types of insurance + trucking segment
   ========================================================= */
.eyebrow { font-size: var(--step--1); font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--link); margin: 0 0 10px; }
.eyebrow--gold { color: var(--gold); }
.hero h1 { max-width: 18ch; }
.hero .chips { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 520px) { .hero .chips { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.btn--navy { background: var(--band); color: #fff; border-color: var(--heading); }
.btn--navy:hover { background: var(--navy-2); border-color: var(--navy-2); }

/* "We offer all types of insurance" heads-up strip */
.allbar { background: var(--gold); color: var(--navy); }
.allbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px 28px; padding-block: 18px; flex-wrap: wrap; }
.allbar__msg { display: flex; align-items: center; gap: 14px; min-width: 0; flex: 1 1 420px; }
.allbar__msg svg { width: 34px; height: 34px; flex-shrink: 0; }
.allbar__msg p { margin: 0; font-size: var(--step-1); }
@media (max-width: 560px) { .allbar .btn { width: 100%; } }

.products--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 1100px) { .products--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .products--4 { grid-template-columns: 1fr; } }
.pill-list--center { justify-content: center; }

/* Navy trucking segment */
.section--navy { background: var(--band); color: #c9d5e4; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy .lede { color: #c9d5e4; }
.truckseg__head { display: grid; grid-template-columns: 1.4fr 1fr; gap: 24px 48px; align-items: end; margin-bottom: 36px; }
.truckseg__head h2 { margin-top: 0; max-width: 22ch; }
.truckseg__head .btn-row { justify-content: flex-end; }
@media (max-width: 900px) { .truckseg__head { grid-template-columns: 1fr; } .truckseg__head .btn-row { justify-content: flex-start; } }

.tstats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-l); overflow: hidden; margin-bottom: 36px; }
.tstat { padding: 26px 24px; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.tstat + .tstat { border-left: 1px solid rgba(255,255,255,.16); }
.tstat strong { font-size: clamp(2rem, 1.4rem + 2vw, 2.8rem); line-height: 1; font-weight: 800; color: var(--gold); letter-spacing: -.02em; }
.tstat span { font-size: var(--step--1); color: #c9d5e4; }
@media (max-width: 900px) {
  .tstats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .tstat:nth-child(3) { border-left: 0; }
  .tstat:nth-child(n+3) { border-top: 1px solid rgba(255,255,255,.16); }
}
@media (max-width: 420px) { .tstat { padding: 20px 16px; } }

.tcards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 1000px) { .tcards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .tcards { grid-template-columns: 1fr; } }
.tcard { position: relative; display: flex; flex-direction: column; background: var(--navy-2); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius-m); padding: 24px; text-decoration: none; color: #c9d5e4; transition: transform .2s, border-color .2s; }
.tcard:hover { transform: translateY(-3px); border-color: var(--gold); }
.tcard svg { width: 40px; height: 40px; color: var(--gold); margin-bottom: 12px; }
.tcard h3 { margin: 0 0 6px; font-size: var(--step-2); }
.tcard p { font-size: var(--step--1); margin: 0 0 16px; }
.tcard .textlink { color: #fff; margin-top: auto; }
.tcard__n { position: absolute; top: 18px; right: 20px; font-weight: 800; color: rgba(255,255,255,.22); font-size: var(--step-2); }
@media (prefers-reduced-motion: reduce) { .tcard { transition: none; } .tcard:hover { transform: none; } }

.tsteps { list-style: none; counter-reset: ts; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 16px; padding: 0; margin: 0 0 36px; }
.tsteps li { counter-increment: ts; background: var(--navy-2); border-radius: var(--radius-m); padding: 22px 20px; border-top: 4px solid var(--gold); }
.tsteps li::before { content: counter(ts); display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: var(--navy); font-weight: 800; margin-bottom: 12px; }
.tsteps h3 { font-size: var(--step-1); margin: 0 0 6px; }
.tsteps p { font-size: var(--step--1); margin: 0; }
@media (max-width: 1000px) { .tsteps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .tsteps { grid-template-columns: 1fr; } }
.tnote { font-size: var(--step--1); color: #9fb0c6; margin: 0; }
.demo-fill { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 8px; }

/* =========================================================
   Trucking menu tiles, application option cards, application pages
   ========================================================= */
.nav__item.is-open .mega--trucking { display: grid; grid-template-columns: minmax(0, 1fr) 240px; min-width: 760px; gap: 28px; }
.ttiles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.ttile { display: flex; gap: 12px; align-items: flex-start; padding: 14px; border: 1px solid var(--line); border-radius: var(--radius-m); text-decoration: none; color: var(--heading); background: var(--surface); }
.ttile:hover, .ttile:focus-visible { border-color: var(--link); background: var(--tint); }
.ttile svg { width: 30px; height: 30px; color: var(--link); flex-shrink: 0; }
.ttile strong { display: block; font-size: var(--step-0); }
.ttile small { display: block; color: var(--muted); font-size: var(--step--1); line-height: 1.35; margin-top: 2px; }
.mega__note, .mega__guides { grid-column: 1 / -1; margin: 14px 0 0; font-size: var(--step--1); color: var(--muted); }
.mega__guides { border-top: 1px solid var(--line); padding-top: 12px; }
.mega__guides a, .mega__note a { font-weight: 700; color: var(--link); }

/* Trucking option cards inside the application */
.chips--need { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.chip.need span { flex-direction: row; align-items: flex-start; text-align: left; gap: 12px; padding: 16px; display: grid; grid-template-columns: 32px 1fr; }
.chip.need svg { grid-row: span 2; width: 30px; height: 30px; }
.chip.need strong { font-size: var(--step-0); color: var(--heading); }
.chip.need small { font-weight: 500; color: var(--muted); font-size: var(--step--1); }
@media (max-width: 560px) { .chips--need { grid-template-columns: 1fr; } }
.chips--families { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 520px) { .chips--families { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.subchips { background: var(--tint); border-radius: var(--radius-m); padding: 16px; margin: -6px 0 18px; }
.subchips__q { font-weight: 700; color: var(--heading); margin: 0 0 12px; }
.subchips .chips { margin-bottom: 0; }

/* "Have these handy" on application pages */
.handy { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 10px; margin-top: 18px; font-size: var(--step--1); }
.handy > span { font-weight: 700; color: var(--heading); }
.handy ul { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; margin: 0; padding: 0; }
.handy li { background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 5px 12px; color: var(--heading); font-weight: 600; }
.apply-hero .lede .textlink { white-space: nowrap; }
.mega--trucking { left: -150px; }
.need-note { display: inline-block; margin: 16px 0 0; background: var(--gold); color: var(--navy); font-weight: 700; border-radius: var(--radius-m); padding: 10px 16px; font-size: var(--step--1); }


/* =========================================================
   Color tokens. Edit these to re-theme the whole site.
   ========================================================= */
:root {
  --bg: #ffffff;          /* page background */
  --surface: #ffffff;     /* cards, header, inputs */
  --surface-2: #f5f7fa;   /* alternate (gray) sections */
  --tint: #e7f0fa;        /* alternate (tinted) sections, selected chips */
  --band: #0c2340;        /* top bar, trust strip, footer, navy sections */
  --heading: #0c2340;
  --text: #1b2330;
  --muted: #5a6677;
  --line: #d5dde7;
  --link: #1d4f91;
  color-scheme: light;
}
.adm-body { --bg: #f5f7fa; }
.input--code { font-size: 1.6rem; letter-spacing: .35em; text-align: center; font-weight: 700; }