/* ==============================================
   COASTAL VIEW INSURANCE — REDESIGN 2024
   Palette: navy / warm gold / white / pale teal
   ============================================== */

:root {
  --navy:       #1b2f45;
  --navy-rgb:   27, 47, 69;
  --navy-light: #2c4a6e;
  --gold:       #c9a96e;
  --gold-dark:  #a07840;
  --gold-light: #ecdbb0;
  --white:      #ffffff;
  --off-white:  #f8f6f2;
  --teal-pale:  #eef3f4;
  --border:     #e4e4e4;
  --text:       #1b2f45;
  --muted:      #6c7a8d;

  /* Bootstrap token overrides */
  --bs-primary:         #c9a96e;
  --bs-primary-rgb:     201, 169, 110;
  --bs-link-color:      #1b2f45;
  --bs-link-hover-color:#a07840;
  --bs-focus-ring-color: rgba(201,169,110,.35);
}

/* ───────────── GLOBAL ───────────── */
* { -webkit-tap-highlight-color: rgba(201,169,110,.18); }
#mainNav a, #mainNav button { -webkit-tap-highlight-color: rgba(201,169,110,.25); }
body { color: var(--text); font-family: 'Montserrat', sans-serif; }

h1, h2, h3, .h1, .h2, .h3 {
  font-family: 'Playfair Display', 'Merriweather', Georgia, serif;
  color: var(--navy);
}

.section-eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-family: 'Montserrat', sans-serif;
  display: block;
  margin-bottom: .85rem;
}

.gold-rule {
  display: block;
  width: 2.75rem;
  height: .18rem;
  background: var(--gold);
  margin: .85rem auto 0;
  border: none;
  opacity: 1;
}
.gold-rule.left { margin: .85rem 0 0; }

hr.divider {
  height: .2rem;
  max-width: 3rem;
  margin: 1.25rem auto;
  background-color: var(--gold);
  opacity: 1;
  border: none;
}

/* ───────────── BUTTONS ───────────── */
.btn-gold {
  background: var(--gold);
  color: #fff;
  border: 2px solid var(--gold);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .09em;
  text-transform: uppercase;
  border-radius: 3rem;
  padding: .65rem 1.75rem;
  text-decoration: none;
  transition: background .2s, border-color .2s;
  display: inline-block;
}
.btn-gold:hover, .btn-gold:focus { background: var(--gold-dark); border-color: var(--gold-dark); color: #fff; }

.btn-gold-xl {
  padding: .9rem 2.25rem;
  font-size: .83rem;
}

.btn-navy-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  border-radius: 3rem;
  padding: .65rem 1.75rem;
  text-decoration: none;
  transition: all .2s;
  display: inline-block;
}
.btn-navy-outline:hover { background: var(--navy); color: #fff; }

.btn-hero-phone {
  background: #fff;
  color: var(--gold);
  border: 2px solid var(--gold);
  font-weight: 700;
  font-size: .83rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  border-radius: 3rem;
  padding: .9rem 2rem;
  text-decoration: none;
  transition: all .2s;
  display: inline-flex;
  align-items: center;
  gap: .45rem;
}
.btn-hero-phone:hover { background: var(--gold); border-color: var(--gold); color: #fff; }

/* Override old Bootstrap primary throughout */
.btn-primary { background-color: var(--gold) !important; border-color: var(--gold) !important; color: #fff !important; }
.btn-primary:hover { background-color: var(--gold-dark) !important; border-color: var(--gold-dark) !important; }

.btn-xl {
  padding: .9rem 2.25rem;
  font-size: .83rem;
  font-weight: 700;
  text-transform: uppercase;
  border-radius: 3rem;
}

/* ───────────── NAVBAR ───────────── */
#mainNav {
  background-color: #fff !important;
  box-shadow: 0 1px 14px rgba(27,47,69,.1) !important;
  padding: .35rem 0;
  transition: box-shadow .2s;

  /* Override Bootstrap's orange primary with gold throughout the navbar */
  --bs-primary:                    #c9a96e;
  --bs-primary-rgb:                201, 169, 110;
  --bs-navbar-color:               var(--navy);
  --bs-navbar-hover-color:         var(--gold-dark);
  --bs-navbar-active-color:        var(--gold-dark);
  --bs-nav-link-color:             var(--navy);
  --bs-nav-link-hover-color:       var(--gold-dark);
  --bs-dropdown-link-active-bg:    var(--navy);
  --bs-dropdown-link-active-color: #fff;
  --bs-focus-ring-color:           rgba(201,169,110,.35);
}

.navbar-logo {
  height: 4rem !important;
  width: auto !important;
}

#mainNav .navbar-nav .nav-item .nav-link {
  color: var(--navy) !important;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .83rem;
  padding: .5rem .8rem !important;
  transition: color .15s;
}
#mainNav .navbar-nav .nav-item .nav-link:hover,
#mainNav .navbar-nav .nav-item .nav-link:focus,
#mainNav .navbar-nav .nav-item .nav-link:active,
#mainNav .navbar-nav .nav-item .nav-link.active { color: var(--gold-dark) !important; }
#mainNav .navbar-nav .nav-item .nav-link:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; box-shadow: none; }

#mainNav .dropdown-menu {
  border: 0;
  box-shadow: 0 .75rem 2rem rgba(27,47,69,.12);
  border-radius: .75rem;
  padding: .5rem;
  --bs-dropdown-link-active-bg:    var(--navy);
  --bs-dropdown-link-active-color: #fff;
  --bs-dropdown-link-hover-bg:     var(--teal-pale);
}
#mainNav .dropdown-item {
  border-radius: .5rem;
  padding: .55rem .85rem;
  font-size: .83rem;
  font-weight: 500;
  color: var(--navy);
}
#mainNav .dropdown-item:hover { background: var(--teal-pale); color: var(--navy); }
#mainNav .dropdown-item.active,
#mainNav .dropdown-item:active { background: var(--navy) !important; color: #fff !important; }

.navbar-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-left: .75rem;
}
.nav-phone {
  color: var(--navy);
  font-size: .82rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: .35rem;
  transition: color .15s;
}
.nav-phone:hover { color: var(--gold-dark); }

/* Kill old transparent-at-top desktop logic */
@media (min-width: 992px) {
  #mainNav { background-color: #fff !important; }
  #mainNav.navbar-shrink {
    background-color: #fff !important;
    box-shadow: 0 2px 18px rgba(27,47,69,.13) !important;
    height: auto !important;
  }
  #mainNav .navbar-logo,
  #mainNav.navbar-shrink .navbar-logo { height: 4rem !important; width: auto !important; }
  #mainNav .navbar-brand { color: var(--navy) !important; }
  #mainNav.navbar-shrink .navbar-brand { color: var(--navy) !important; }
  #mainNav.navbar-shrink .navbar-brand:hover { color: var(--gold-dark) !important; }
  #mainNav .navbar-nav .nav-item .nav-link { color: var(--navy) !important; }
  #mainNav.navbar-shrink .navbar-nav .nav-item .nav-link { color: var(--navy) !important; }
  #mainNav.navbar-shrink .navbar-nav .nav-item .nav-link:hover { color: var(--gold-dark) !important; }
}

/* Mobile nav always white */
@media (max-width: 991.98px) {
  #mainNav { background-color: #fff !important; box-shadow: 0 1px 14px rgba(27,47,69,.1) !important; }
  #mainNav:not(.navbar-shrink) .navbar-nav .nav-item .nav-link { color: var(--navy) !important; }
  #mainNav:not(.navbar-shrink) .navbar-toggler { border-color: rgba(27,47,69,.25); background: transparent; }
  #mainNav:not(.navbar-shrink) .navbar-toggler-icon { filter: none; }
  #mainNav:has(.navbar-collapse.show) { background-color: #fff !important; }
  #mainNav:has(.navbar-collapse.show) .navbar-nav .nav-item .nav-link { color: var(--navy) !important; }
  #mainNav:has(.navbar-collapse.show) .navbar-toggler { border-color: rgba(27,47,69,.2); }
  #mainNav:has(.navbar-collapse.show) .navbar-toggler-icon { filter: none; }
  .navbar-actions { flex-direction: column; align-items: flex-start; padding: .75rem 0; gap: .75rem; }
  .navbar-actions .btn-gold { font-size: .7rem; padding: .35rem 1rem; }
  #mainNav .navbar-nav .nav-item .dropdown-toggle[aria-expanded="true"],
  #mainNav .navbar-nav .nav-item.show > .nav-link { color: var(--gold-dark) !important; }
}

/* ───────────── HERO ───────────── */
header.masthead {
  position: relative;
  height: 100vh;
  min-height: 42rem;
  max-height: 62rem;
  overflow: hidden;
  background-image: url('../assets/img/house.png');
  background-size: cover;
  background-position: right center;
  display: flex;
  align-items: center;
  padding: 0;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(255,255,255,1)   0%,
    rgba(255,255,255,1)   35%,
    rgba(255,255,255,.75) 52%,
    rgba(255,255,255,0)   68%
  );
  z-index: 1;
}

.masthead-video { display: none; }
.masthead-overlay { display: none; }

.hero-inner {
  position: relative;
  z-index: 2;
  width: 100%;
  padding-top: 7.5rem;
}

.hero-content { max-width: 55%; }
@media (min-width: 1400px) { .hero-content { max-width: 48%; } }

@media (max-height: 500px) and (orientation: landscape) {
  header.masthead { height: auto; min-height: 0; padding: 5.5rem 0 3rem; }
}

@media (max-width: 991px) {
  .hero-content { max-width: 90%; }
  .hero-overlay {
    background: linear-gradient(
      105deg,
      rgba(255,255,255,1)   0%,
      rgba(255,255,255,.97) 45%,
      rgba(255,255,255,.80) 70%,
      rgba(255,255,255,.55) 100%
    );
  }
}

@media (max-width: 767px) {
  .hero-inner { padding-left: 1.5rem; padding-right: 1.5rem; }
  .hero-content { max-width: 100%; }
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .hero-ctas .btn-gold,
  .hero-ctas .btn-hero-phone { width: auto; justify-content: center; }
  .hero-ctas .btn-hero-phone { background: #fff; }
}

.hero-eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-family: 'Montserrat', sans-serif;
  margin-bottom: 1rem;
}

.hero-heading {
  font-family: 'Playfair Display', 'Merriweather', Georgia, serif;
  font-size: clamp(2.25rem, 4.5vw, 4rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.12;
  margin-bottom: 1.25rem;
}

.hero-subtext {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.75;
  max-width: 36rem;
  margin-bottom: 2rem;
}

.hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 1.5rem; }

.hero-location {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--navy);
  margin: 0;
  display: flex;
  align-items: center;
  gap: .3rem;
}

/* Bottom wave */
.hero-wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  z-index: 3;
  line-height: 0;
  pointer-events: none;
}
.hero-wave svg { display: block; width: 100%; }

/* ───────────── SERVICES / INSURANCE SOLUTIONS ───────────── */
.insurance-solutions-section {
  padding: 5rem 0 4.5rem;
  background: #fff;
}

.ins-section-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--navy);
  text-align: center;
  margin-bottom: 3rem;
  font-family: 'Montserrat', sans-serif;
}
.ins-section-title::after {
  content: '';
  display: block;
  width: 2.75rem;
  height: .18rem;
  background: var(--gold);
  margin: .75rem auto 0;
}

.insurance-strip {
  display: flex;
  align-items: stretch;
  justify-content: center;
  border: 1px solid var(--border);
  border-radius: .85rem;
  overflow: hidden;
  box-shadow: 0 2px 18px rgba(27,47,69,.05);
}

.ins-item {
  flex: 1 1 0;
  min-width: 100px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  padding: 2.25rem 1rem 1.85rem;
  text-decoration: none;
  color: var(--navy);
  border-right: 1px solid var(--border);
  transition: background .2s;
  gap: 0;
}
.ins-item:last-child { border-right: none; }
.ins-item:hover { background: var(--teal-pale); }

.ins-icon {
  font-size: 2rem;
  color: #2a6880;
  margin-bottom: .75rem;
  line-height: 1;
}

.ins-label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--navy);
  text-align: center;
  line-height: 1.35;
  margin-bottom: .6rem;
  font-family: 'Montserrat', sans-serif;
}

.ins-bar {
  display: block;
  width: 1.5rem;
  height: .17rem;
  background: var(--gold);
  margin-top: auto;
}

@media (max-width: 767px) {
  .insurance-strip {
    display: grid;
    grid-template-columns: 1fr 1fr;
    border-radius: .75rem;
  }
  .ins-item {
    flex-direction: column;
    border-right: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    padding: 1.4rem 1rem;
    gap: .5rem;
    align-items: center;
    justify-content: flex-start;
  }
  .ins-item:nth-child(even) { border-right: none; }
  .ins-item:nth-last-child(-n+2) { border-bottom: none; }
  .ins-bar { display: none; }
  .ins-label { text-align: center; }
}

@media (min-width: 768px) and (max-width: 991px) {
  .ins-item { flex: 1 1 0; min-width: 0; }
}

/* ───────────── WHY CHOOSE / ABOUT ───────────── */
.why-section {
  background: #ffffff;
  padding: 0;
}

.why-image-col {
  position: relative;
  min-height: 20rem;
  max-height: 22rem;
  overflow: hidden;
}
.why-image-col img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.why-content-col {
  padding: 2.25rem 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: #ffffff;
}

.why-heading {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(1rem, 1.5vw, 1.3rem);
  color: var(--navy);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  text-align: center;
  margin-bottom: .65rem;
  line-height: 1.2;
}

.why-heading-divider {
  width: 2.5rem;
  height: 3px;
  background: var(--gold);
  margin: 0 auto 1.25rem;
  border: none;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem 1.75rem;
  justify-content: center;
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: .6rem;
}

/* Responsive: tablet landscape */
@media (max-width: 1199px) {
  .why-content-col { padding: 2rem 1.75rem; }
  .feature-grid { gap: 1rem 1.25rem; }
}

/* Responsive: stacked (image above, content below) */
@media (max-width: 991px) {
  .why-content-col { padding: 2rem 1.75rem; }
  .why-image-col { min-height: 18rem; max-height: 20rem; }
  .feature-grid { grid-template-columns: repeat(4, 1fr); gap: 1rem 1rem; }
}

/* Responsive: small tablet */
@media (max-width: 767px) {
  .feature-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem 2rem; }
}

/* Responsive: mobile */
@media (max-width: 479px) {
  .why-content-col { padding: 1.75rem 1.25rem; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); gap: 1.25rem 1.25rem; }
}

.feature-icon {
  width: 2.75rem;
  height: 2.75rem;
  min-width: 2.75rem;
  border-radius: 50%;
  background: rgba(27,47,69,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: .5rem;
}
.feature-icon i { color: var(--navy); font-size: 1.2rem; }

.feature-text h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(.8rem, 1vw, .95rem);
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .3rem;
  text-align: center;
}
.feature-text p {
  font-size: clamp(.76rem, .9vw, .88rem);
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
  text-align: center;
}

.why-cta-row {
  margin-top: 2rem;
  padding-top: 0;
  border-top: none;
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  justify-content: center;
}

/* ───────────── TESTIMONIALS ───────────── */
.testimonials-section {
  padding: 5rem 0;
  background: #ffffff;
}

.testi-section-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--navy);
  text-align: center;
  margin-bottom: 3rem;
  font-family: 'Montserrat', sans-serif;
}
.testi-section-title::after {
  content: '';
  display: block;
  width: 2.75rem;
  height: .18rem;
  background: var(--gold);
  margin: .75rem auto 0;
}

.testi-carousel-wrap {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.testi-viewport {
  flex: 1;
  overflow: hidden;
}

.testi-track {
  display: flex;
  gap: 1.5rem;
  transition: transform .45s cubic-bezier(.25,.46,.45,.94);
}

.testi-card {
  flex: 0 0 auto; /* width set by JS */
  background: transparent;
  border: none;
  border-right: 1px solid #d8e8e8;
  border-radius: 0;
  padding: .5rem 2.5rem;
  box-shadow: none;
  display: flex;
  flex-direction: column;
  min-width: 0;
}
.testi-card:first-child { padding-left: 2.5rem; }
.testi-card:last-child  { border-right: none; }

.testi-stars { color: var(--gold); font-size: 1rem; letter-spacing: .1em; margin-bottom: .9rem; }

.testi-quote {
  font-size: .9rem;
  color: var(--navy);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 1.25rem;
  flex: 1;
}

.testi-author {
  font-size: .83rem;
  font-weight: 600;
  color: #4a9a95;
  margin: 0;
}

.testi-arrow {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all .2s;
  flex-shrink: 0;
  font-size: 1rem;
  line-height: 1;
}
.testi-arrow:hover { background: var(--navy); color: #fff; border-color: var(--navy); }

.testi-dots {
  display: flex;
  gap: .5rem;
  justify-content: center;
  margin-top: 2rem;
}
.testi-dot {
  width: .45rem;
  height: .45rem;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  border: none;
  padding: 0;
  transition: background .2s, transform .2s;
}
.testi-dot.active {
  background: var(--gold);
  transform: scale(1.35);
}

/* ───────────── CARRIER LOGOS ───────────── */
.carriers-section {
  padding: 3rem 0 2.5rem;
  background: #eef3f4;
  border-top: none;
}

.carriers-title {
  font-size: .73rem;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: #2a6b6b;
  text-align: center;
  margin-bottom: 2rem;
  font-family: 'Montserrat', sans-serif;
}

.carriers-tagline {
  font-size: .82rem;
  font-weight: 500;
  color: #2a6b6b;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: .04em;
  margin: 0;
  padding-top: 1.25rem;
}

.carousel-banner-wrap {
  background: #eef3f4;
  padding-bottom: 2.5rem;
}

.carousel-banner {
  width: 100%;
  height: clamp(4rem, 6vw, 5.5rem);
  overflow: hidden;
  background: transparent;
  position: relative;
}

.carousel-track {
  height: 100%;
  display: flex;
  align-items: center;
  width: max-content;
  will-change: transform;
  gap: 3.5rem;
  animation: carouselScroll 100s linear infinite;
}

.carousel-track img {
  height: min(70%, 3rem);
  width: auto;
  max-width: none;
  object-fit: contain;
  flex: 0 0 auto;
  background: transparent;
  padding: 0;
  border-radius: 0;
  box-shadow: none;
  opacity: .7;
  transition: opacity .2s;
  filter: grayscale(.2);
}
.carousel-track img:hover { opacity: 1; filter: grayscale(0); }

@keyframes carouselScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(calc(-1 * var(--scroll-distance, 50%))); }
}
@media (prefers-reduced-motion: reduce) { .carousel-track { animation: none; } }

/* ───────────── CONTACT SECTION ───────────── */
.contact-section {
  padding: 6rem 0;
  background-color: var(--navy);
}

.contact-section h1,
.contact-section h2,
.contact-section .h1,
.contact-section .h2 {
  color: #fff;
  font-family: 'Playfair Display', Georgia, serif;
}
.contact-section p { color: rgba(255,255,255,.78); }

.contact-section .form-control {
  border-color: rgba(255,255,255,.2);
  background: rgba(255,255,255,.07);
  color: #fff;
}
.contact-section .form-control:focus {
  border-color: var(--gold);
  background: rgba(255,255,255,.11);
  box-shadow: 0 0 0 .2rem rgba(201,169,110,.25);
  color: #fff;
}
.contact-section .form-floating > label { color: rgba(255,255,255,.55); }
.contact-section .form-floating > .form-control:focus ~ label,
.contact-section .form-floating > .form-control:not(:placeholder-shown) ~ label { color: var(--gold); }
.contact-section .form-control::placeholder { color: transparent; }

/* ───────────── FOOTER ───────────── */
.site-footer {
  background-color: #0b1520;
  color: rgba(255,255,255,.72);
  padding: 0;
}

.footer-main {
  position: relative;
  overflow: hidden;
  padding: 4.5rem 0 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}

.footer-main::before {
  content: '';
  position: absolute;
  left: -10px;
  bottom: 0;
  width: 200px;
  height: 380px;
  background-image: url('../assets/img/seaoats.svg');
  background-size: contain;
  background-repeat: no-repeat;
  background-position: bottom left;
  opacity: .28;
  pointer-events: none;
  z-index: 0;
}

.footer-main > .container {
  position: relative;
  z-index: 1;
}

.footer-logo-img {
  height: 4rem;
  width: auto;
  margin-bottom: 1rem;
  display: block;
}

.footer-tagline {
  font-size: .87rem;
  color: rgba(255,255,255,.62);
  line-height: 1.7;
  max-width: 21rem;
  margin: 0 0 1.5rem;
}

.footer-social { display: flex; gap: .65rem; }
.footer-social a {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,.22);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.62);
  text-decoration: none;
  font-size: .85rem;
  transition: all .2s;
}
.footer-social a:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,169,110,.1); }

.footer-col-heading {
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 1.25rem;
}

.footer-link {
  color: rgba(255,255,255,.62);
  text-decoration: none;
  font-size: .87rem;
  transition: color .2s;
  display: block;
  margin-bottom: .55rem;
}
.footer-link:hover { color: var(--gold); }

.footer-contact-row {
  display: flex;
  align-items: flex-start;
  gap: .55rem;
  font-size: .87rem;
  color: rgba(255,255,255,.62);
  margin-bottom: .65rem;
}
.footer-contact-row i { color: var(--gold); margin-top: .15rem; flex-shrink: 0; }
.footer-contact-row a { color: rgba(255,255,255,.62); text-decoration: none; }
.footer-contact-row a:hover { color: var(--gold); }

.footer-lets-talk-text {
  font-size: .87rem;
  color: rgba(255,255,255,.62);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.footer-bottom {
  padding: 1.25rem 0;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: .5rem 1.5rem;
  justify-content: space-between;
}
@media (max-width: 640px) {
  .footer-bottom { justify-content: center; text-align: center; }
}
.copyright, .footer-license {
  font-size: .75rem;
  color: rgba(255,255,255,.4);
  margin: 0;
}
.footer-bottom .footer-link {
  font-size: .75rem;
  color: rgba(255,255,255,.4);
  margin: 0;
}
.footer-bottom .footer-link:hover { color: var(--gold); }

/* ───────────── SERVICE HERO (sub-pages) ───────────── */
.service-hero {
  position: relative;
  min-height: 78vh;
  background-size: cover;
  background-position: center;
  background-color: var(--navy);
  display: flex;
  align-items: center;
  overflow: hidden;
}
.service-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg,
    rgba(11,21,32,.94) 0%,
    rgba(11,21,32,.80) 40%,
    rgba(11,21,32,.38) 65%,
    rgba(11,21,32,.06) 100%
  );
  z-index: 1;
}
.service-hero-wave {
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  z-index: 3; line-height: 0; pointer-events: none;
}
.service-hero-wave svg { display: block; width: 100%; }
.service-hero .container { position: relative; z-index: 2; }

.service-hero-content {
  max-width: 600px;
  padding: 8.5rem 0 6.5rem;
}
.service-hero-icon {
  font-size: 2.1rem;
  color: var(--gold);
  margin-bottom: .9rem;
  display: block;
}
.service-hero-heading {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2rem, 4vw, 3.25rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 1rem;
}
.service-hero-sub {
  font-size: clamp(.88rem, 1.1vw, 1rem);
  color: rgba(255,255,255,.82);
  line-height: 1.72;
  margin-bottom: 1.75rem;
  font-family: 'Montserrat', sans-serif;
  max-width: 480px;
}
.service-hero-actions {
  display: flex;
  gap: .9rem;
  flex-wrap: wrap;
  align-items: center;
  margin-bottom: 1.5rem;
}
.service-hero-location {
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: rgba(255,255,255,.48);
  font-family: 'Montserrat', sans-serif;
  margin: 0;
}
@media (max-width: 991px) {
  .service-hero { min-height: 65vh; }
  .service-hero-content { padding: 7.5rem 0 5rem; }
}
@media (max-width: 575px) {
  .service-hero { min-height: 55vh; }
  .service-hero-content { padding: 6.5rem 0 4rem; }
  .service-hero-sub { max-width: 100%; }
}

/* ───────────── SERVICE CARDS (sub-pages) ───────────── */
.service-card-link {
  display: block;
  height: 100%;
  padding: 2rem 1.5rem;
  border-radius: .75rem;
  text-decoration: none;
  color: var(--navy);
  background: #fff;
  box-shadow: 0 2px 14px rgba(27,47,69,.07);
  border: 1px solid var(--border);
  transition: transform 180ms ease, box-shadow 180ms ease;
}
.service-card-link:hover { transform: translateY(-4px); box-shadow: 0 1rem 2.25rem rgba(27,47,69,.13); }
.service-card-link:focus-visible { outline: 3px solid rgba(201,169,110,.5); outline-offset: 4px; }

/* ───────────── SUB-PAGE CONTENT SECTION ───────────── */
.page-section { padding: 5rem 0; background: #fff; }

.sub-eyebrow {
  font-size: .7rem; font-weight: 700; letter-spacing: .2em;
  text-transform: uppercase; color: var(--gold-dark);
  margin-bottom: .6rem; font-family: 'Montserrat', sans-serif;
}
.sub-heading {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(1.4rem, 2.2vw, 1.9rem);
  color: var(--navy); margin-bottom: .85rem; line-height: 1.2;
}
.sub-intro {
  font-size: .93rem; color: var(--muted); line-height: 1.75;
  margin-bottom: 2rem; font-family: 'Montserrat', sans-serif;
}

/* Coverage cards */
.cov-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-bottom: 2rem; }
@media (max-width: 575px) { .cov-grid { grid-template-columns: 1fr; } }

.cov-card {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.1rem 1.25rem 1.1rem 1rem;
  border-left: 3px solid var(--gold);
  background: var(--off-white);
  border-radius: 0 .45rem .45rem 0;
  transition: background .18s;
}
.cov-card:hover { background: #f0ede8; }
.cov-icon { font-size: 1.35rem; color: var(--navy); flex-shrink: 0; margin-top: .1rem; }
.cov-card h3 {
  font-size: .88rem; font-weight: 700; color: var(--navy);
  margin-bottom: .2rem; font-family: 'Montserrat', sans-serif;
}
.cov-card p { font-size: .82rem; color: var(--muted); margin: 0; line-height: 1.55; }

/* Good Fit For */
.good-fit-box {
  background: var(--teal-pale);
  border-left: 4px solid var(--gold);
  border-radius: 0 .65rem .65rem 0;
  padding: 1.75rem 2rem;
}
.good-fit-box h3 {
  font-size: .82rem; font-weight: 700; color: var(--navy);
  margin-bottom: 1rem; font-family: 'Montserrat', sans-serif;
  text-transform: uppercase; letter-spacing: .1em;
}
.good-fit-box ul {
  margin: 0; padding: 0; list-style: none;
  display: grid; grid-template-columns: 1fr 1fr; gap: .3rem 2rem;
}
@media (max-width: 575px) { .good-fit-box ul { grid-template-columns: 1fr; } }
.good-fit-box li {
  font-size: .84rem; color: var(--text);
  padding: .3rem 0 .3rem 1.2rem; position: relative;
  font-family: 'Montserrat', sans-serif; line-height: 1.5;
}
.good-fit-box li::before {
  content: ''; position: absolute; left: 0; top: .65rem;
  width: .42rem; height: .42rem; border-radius: 50%; background: var(--gold);
}

/* Carrier value band */
.carriers-value-band {
  background: var(--off-white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 2.5rem 0;
  text-align: center;
}
.carriers-value-band i {
  font-size: 2rem; color: var(--gold); display: block; margin-bottom: .5rem;
}
.carriers-value-band h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(1.1rem, 2vw, 1.5rem);
  color: var(--navy); margin-bottom: .4rem;
}
.carriers-value-band p {
  font-size: .88rem; color: var(--muted);
  font-family: 'Montserrat', sans-serif; margin: 0;
}

/* Sidebar */
.sub-sidebar { display: flex; flex-direction: column; gap: 1rem; }

.sub-sidebar-card { border-radius: .65rem; padding: 1.5rem 1.75rem; }

.sub-sidebar-card.navy { background: var(--navy); }
.sub-sidebar-card.navy h3 {
  font-size: .88rem; font-weight: 700; color: var(--gold);
  margin-bottom: .35rem; font-family: 'Montserrat', sans-serif;
  text-transform: uppercase; letter-spacing: .08em;
}
.sub-sidebar-card.navy p { font-size: .84rem; color: rgba(255,255,255,.72); margin-bottom: .9rem; }
.sub-sidebar-card.navy ul { list-style: none; padding: 0; margin: 0 0 1.25rem; }
.sub-sidebar-card.navy li {
  font-size: .84rem; color: rgba(255,255,255,.8);
  padding: .28rem 0 .28rem 1.15rem; position: relative;
  font-family: 'Montserrat', sans-serif;
}
.sub-sidebar-card.navy li::before {
  content: ''; position: absolute; left: 0; top: .6rem;
  width: .42rem; height: .42rem; border-radius: 50%; background: var(--gold);
}

.sub-sidebar-card.light {
  background: var(--off-white); border: 1px solid var(--border);
}
.sub-sidebar-card.light h3 {
  font-size: .88rem; font-weight: 700; color: var(--navy);
  margin-bottom: .35rem; font-family: 'Montserrat', sans-serif;
  text-transform: uppercase; letter-spacing: .08em;
}
.sub-sidebar-card.light p { font-size: .84rem; color: var(--muted); margin-bottom: .9rem; }

.sub-call-btn {
  display: flex; align-items: center; justify-content: center;
  padding: .65rem 1rem; background: #0f2438; color: #fff;
  border-radius: .45rem; font-size: .88rem; font-weight: 600;
  text-decoration: none; font-family: 'Montserrat', sans-serif;
  transition: background .2s; width: 100%;
}
.sub-call-btn:hover { background: #0a1a2b; color: #fff; }

.sub-link-btn {
  display: inline-flex; align-items: center; gap: .35rem;
  font-size: .86rem; font-weight: 600; color: var(--gold-dark);
  text-decoration: none; font-family: 'Montserrat', sans-serif;
}
.sub-link-btn:hover { color: var(--navy); }

/* ───────────── TRUST BAR (sub-pages) ───────────── */
.trust-bar { padding: 3.5rem 0; background: var(--navy); }
.trust-bar .trust-item { display: flex; flex-direction: column; align-items: center; text-align: center; gap: .4rem; }
.trust-bar .trust-item i { font-size: 2rem; color: var(--gold); margin-bottom: .25rem; }
.trust-bar .trust-item strong { font-size: .93rem; font-weight: 700; color: #fff; font-family: 'Montserrat', sans-serif; }
.trust-bar .trust-item p { font-size: .82rem; color: rgba(255,255,255,.6); margin: 0; line-height: 1.4; font-family: 'Montserrat', sans-serif; }

/* ───────────── FAQ (sub-pages) ───────────── */
.faq-section { padding: 5rem 0; background: var(--off-white); }
.faq-section h2 { font-family: 'Playfair Display', Georgia, serif; color: var(--navy); }
.faq-section .accordion-button {
  font-weight: 600; font-size: .93rem; color: var(--navy);
  background: #fff; font-family: 'Montserrat', sans-serif;
}
.faq-section .accordion-button:not(.collapsed) {
  color: #fff; background: var(--navy); box-shadow: none;
}
.faq-section .accordion-button:not(.collapsed)::after { filter: invert(1) brightness(2); }
.faq-section .accordion-item { border: 1px solid var(--border); border-radius: .5rem !important; margin-bottom: .75rem; overflow: hidden; }
.faq-section .accordion-body { font-size: .9rem; color: var(--muted); line-height: 1.75; background: #fff; font-family: 'Montserrat', sans-serif; }

/* ───────────── COMPAT OVERRIDES ───────────── */
.services-section { padding: 5rem 0; background-color: #fff !important; }
.text-white-75 { color: rgba(255,255,255,.75) !important; }
.text-primary { color: var(--gold-dark) !important; }
.bg-primary { background-color: var(--gold) !important; }

/* ───────────── REVEAL ANIMATIONS ───────────── */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .55s ease, transform .55s ease;
}
.reveal.is-visible { opacity: 1; transform: none; }

.reveal-item {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .4s ease, transform .4s ease;
}
.reveal-item.is-visible { opacity: 1; transform: none; }