/* Pledge Insurance Services — "Ledger" design system (Phase 2 creative redesign)
   Deep navy/ink + warm ledger-paper off-white + brass accent.
   Type: Fraunces (display serif, headlines) + Inter (grotesk, body/UI).
   Vanilla CSS only — no framework. */

:root{
  --ink:#12212F;          /* near-black navy, body text */
  --navy:#0E1D2E;         /* deep navy, dark surfaces */
  --navy-2:#17304A;       /* navy-lighter, gradients/hover */
  --paper:#F7F2E7;        /* warm ledger-paper off-white */
  --paper-2:#FBF8F1;      /* lighter paper for cards on paper bg */
  --rule:#DED2B4;         /* ledger rule-line color */
  --brass:#A9793C;        /* brass accent */
  --brass-dark:#7C5726;   /* AA-safe brass for text on paper */
  --brass-light:#D9B77B;  /* brass-light for dark-bg accents */
  --muted:#5B6672;
  --border:#E3DAC4;
  --max:1220px;
  --radius:10px;
  --ease:cubic-bezier(.16,.84,.32,1);
  font-size:16px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
:focus-visible{outline:2px solid var(--brass-dark);outline-offset:2px;}
/* the default brass-dark ring is unreadable against these navy sections */
.hero :focus-visible,.cta-banner :focus-visible,.carriers :focus-visible,.site-footer :focus-visible{outline-color:#fff;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:"Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{
  font-family:"Fraunces", Georgia, serif;
  font-optical-sizing:auto;
  color:var(--navy);
  font-weight:560;
  line-height:1.15;
  letter-spacing:-.015em;
  margin:0 0 .5em;
}
h1{font-size:clamp(2.4rem,5.4vw,4.4rem);font-weight:480;}
h2{font-size:clamp(1.7rem,3vw,2.5rem);margin-top:2.2em;}
h3{font-size:1.2rem;font-weight:600;}
/* a section that opens directly with a heading already gets its top gap
   from the section's own padding; h2's margin-top would double it */
.wrap > h2:first-child, .wrap > h3:first-child{margin-top:0;}
p{margin:0 0 1.1em;max-width:70ch;}
a{color:var(--brass-dark);}
img{max-width:100%;display:block;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px;}
ul{padding-left:1.2em;}

/* ledger-rule texture: thin horizontal lines, used sparingly on light bands */
.ledger-lines{
  background-image:repeating-linear-gradient(to bottom, transparent 0 39px, var(--rule) 39px 40px);
}

/* ---------- header ---------- */
.site-header{background:rgba(247,242,231,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);position:sticky;top:0;z-index:80;}
.header-inner{max-width:1760px;margin:0 auto;padding:16px clamp(24px,3vw,56px);display:flex;align-items:center;gap:36px;}
.brand{text-decoration:none;flex-shrink:0;}
.main-nav > ul{list-style:none;display:flex;gap:20px;margin:0;padding:0;align-items:center;flex-wrap:nowrap;}
.main-nav > ul > li{position:static;white-space:nowrap;}
.main-nav a, .mega-toggle{color:var(--ink);text-decoration:none;font-size:.86rem;font-weight:500;background:none;border:none;font-family:inherit;cursor:pointer;padding:9px 6px;letter-spacing:.005em;}
.main-nav a:hover, .mega-toggle:hover{color:var(--brass-dark);}
.mega-toggle{display:flex;align-items:center;gap:5px;}
.mega-toggle::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .18s var(--ease);}
.menu-open .mega-toggle::after{transform:rotate(-135deg) translateY(2px);}

/* mega-menu: absolute within a full-width relative wrapper so a long menu
   never overflows the viewport edge and overlaps neighboring page content —
   this is the concrete fix for the dropdown-overlap bug reported against the
   8-item nav (Support/Resources pushed the menu list past the right edge). */
.main-nav > ul{position:relative;}
.mega-menu{display:none;position:absolute;top:calc(100% + 10px);z-index:90;background:var(--paper-2);border-radius:var(--radius);list-style:none;margin:0;padding:0;min-width:240px;max-width:320px;box-shadow:0 6px 16px rgba(14,29,46,.24);flex-direction:column;overflow-y:auto;max-height:70vh;left:0;}
.has-mega{position:relative;}
.has-mega .mega-menu{left:0;}
/* right-align the last two menu items so their panels open leftward,
   never spilling past the viewport / over the buttons beside them */
.has-mega:nth-last-of-type(-n+3) .mega-menu{left:auto;right:0;}
.mega-menu li{border-bottom:1px solid var(--rule);}
.mega-menu li:last-child{border-bottom:none;}
.mega-menu li.mega-group-label{padding:10px 16px 2px;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brass-dark);border-bottom:none;}
.mega-menu li.mega-group-label:not(:first-child){border-top:1px solid var(--rule);margin-top:4px;padding-top:12px;}
.menu-open .mega-menu{display:flex;}
.mega-menu li a{display:block;padding:11px 16px;font-size:.9rem;color:var(--ink);}
.mega-menu li a:hover{background:var(--paper);color:var(--brass-dark);}
.header-actions{display:flex;align-items:center;gap:18px;margin-left:auto;flex-shrink:0;}
@media (min-width:861px){.header-actions .btn-primary{margin-left:6px;}}
.tel{font-weight:600;white-space:nowrap;text-decoration:none;color:var(--navy);}
.btn{display:inline-block;padding:11px 24px;border-radius:3px;text-decoration:none;font-weight:600;font-size:.88rem;letter-spacing:.01em;border:1px solid transparent;cursor:pointer;transition:box-shadow .25s var(--ease), background-color .25s var(--ease), transform .25s var(--ease);}
.btn-primary{background:var(--brass-dark);color:#fff;box-shadow:0 4px 12px rgba(124,87,38,.28);}
.btn-primary:hover{background:color-mix(in srgb, var(--brass-dark) 82%, black);box-shadow:0 10px 22px rgba(124,87,38,.34);transform:translateY(-1px);}
/* dark sections: drop the brass-tinted glow (reads as a neon halo on navy) for a neutral lift */
.hero .btn-primary,.cta-banner .btn-primary{box-shadow:0 4px 14px rgba(0,0,0,.35);}
.hero .btn-primary:hover,.cta-banner .btn-primary:hover{box-shadow:0 10px 26px rgba(0,0,0,.4);}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent;}
.btn-outline:hover{background:var(--navy);color:#fff;}
.btn:active{transform:translateY(0);}
.nav-toggle{display:none;background:var(--navy);color:#fff;border:none;padding:9px 18px;border-radius:3px;font-weight:600;}
.mobile-nav{display:none;}

@media (max-width:1050px){
  .main-nav,.tel{display:none;}
  .nav-toggle{display:inline-block;}
  .mobile-nav{border-top:1px solid var(--rule);padding:10px 24px 20px;}
  .mobile-nav.open{display:block;}
  .mobile-nav details{border-bottom:1px solid var(--rule);padding:10px 0;}
  .mobile-nav summary{font-weight:600;cursor:pointer;font-family:"Fraunces",serif;}
  .mobile-nav ul{list-style:none;padding-left:0;margin:10px 0;}
  .mobile-nav ul li a{display:block;padding:7px 0;text-decoration:none;color:var(--ink);}
  .mobile-flat{list-style:none;padding:0;margin:10px 0 0;}
  .mobile-flat a{display:block;padding:9px 0;text-decoration:none;color:var(--navy);font-weight:600;}
}

/* ---------- brand ---------- */
.brand-badge img{height:44px;width:auto;display:block;}
@media (max-width:640px){
  .brand-badge img{height:26px;}
  .header-inner{gap:10px;}
  .header-actions{gap:8px;}
  .header-actions .btn-primary{padding:9px 14px;font-size:.8rem;}
  /* top bar can't fit logo + lang switcher + quote button + menu toggle on
     phone widths; both are already reachable inside the mobile menu
     (language links + Contact), so drop them here rather than let the
     row overflow past the viewport edge */
  .header-actions .has-mega.lang-switcher,
  .header-actions .btn-primary{display:none;}
}

/* ---------- hero: "Cover Story" — full-bleed photographic, magazine-cover composition ---------- */
.media-cover{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;z-index:0;}
.hero{position:relative;min-height:92vh;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy);}
.hero-cover{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:60% 32%;opacity:0;animation:heroCoverIn 1.6s var(--ease) forwards;}
@keyframes heroCoverIn{from{opacity:0;transform:scale(1.06);}to{opacity:1;transform:scale(1);}}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg, rgba(14,29,46,.94) 0%, rgba(14,29,46,.72) 30%, rgba(14,29,46,.18) 62%, rgba(14,29,46,.04) 100%);}
.hero-inner{position:relative;z-index:2;max-width:var(--max);margin:0 auto;padding:0 24px 68px;width:100%;color:#fff;}
.hero h1{color:#fff;max-width:15ch;font-size:clamp(2.8rem,6.4vw,5.4rem);margin-bottom:.28em;opacity:0;transform:translateY(18px);animation:heroRiseIn .9s var(--ease) .35s forwards;}
.hero .lede{color:rgba(255,255,255,.86);font-size:1.15rem;max-width:52ch;opacity:0;transform:translateY(14px);animation:heroRiseIn .9s var(--ease) .5s forwards;}
@keyframes heroRiseIn{to{opacity:1;transform:none;}}
.hero-stamps{margin:22px 0 26px;border-top:1px solid rgba(217,183,123,.4);border-bottom:1px solid rgba(217,183,123,.4);padding:11px 0;color:var(--brass-light);font-size:.82rem;font-weight:600;letter-spacing:.01em;max-width:none;opacity:0;animation:heroRiseIn .9s var(--ease) .65s forwards;}
.hero-cta-row{display:flex;gap:16px;flex-wrap:wrap;align-items:center;opacity:0;animation:heroRiseIn .9s var(--ease) .8s forwards;}
.btn-ring{display:inline-flex;align-items:center;gap:2px;padding:6px 6px 6px 26px;border-radius:999px;font-weight:600;font-size:.9rem;text-decoration:none;transition:transform .2s cubic-bezier(.23,1,.32,1),background-color .2s var(--ease),border-color .2s var(--ease);}
.btn-ring:active{transform:scale(.97);}
.btn-ring .ring{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s cubic-bezier(.23,1,.32,1);}
@media (hover:hover) and (pointer:fine){
  .btn-ring:hover .ring{transform:translate(3px,-2px);}
}
.btn-ring svg{width:14px;height:14px;}
.btn-ring.primary{background:var(--brass-dark);color:#fff;}
.btn-ring.primary .ring{background:rgba(255,255,255,.16);color:#fff;}
.btn-ring.primary:hover{background:color-mix(in srgb, var(--brass-dark) 84%, black);}
.btn-ring.outline{border:1px solid rgba(255,255,255,.5);color:#fff;padding:9px 9px 9px 20px;}
.btn-ring.outline .ring{background:rgba(255,255,255,.14);color:#fff;width:28px;height:28px;}
.btn-ring.outline:hover{border-color:#fff;background:rgba(255,255,255,.08);}
.hero-index{position:absolute;right:24px;bottom:68px;z-index:3;display:flex;flex-direction:column;gap:10px;text-align:right;}
.hero-index button{background:none;border:none;color:rgba(255,255,255,.5);font-family:"Fraunces",serif;font-size:.86rem;cursor:pointer;padding:2px 0;display:flex;align-items:center;justify-content:flex-end;gap:8px;transition:color .25s var(--ease);}
.hero-index button::after{content:"";width:22px;height:1px;background:var(--brass-light);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease);}
.hero-index button.is-active{color:#fff;}
.hero-index button.is-active::after{transform:scaleX(1);}
@media (max-width:760px){
  .hero{min-height:82vh;}
  .hero h1{font-size:clamp(2.2rem,9vw,3rem);}
  .hero-index{display:none;}
  .hero-stamps{flex-direction:column;align-items:flex-start;gap:6px;}
  .hero-stamps span{border-left:none !important;padding-left:0 !important;}
}
.quicklinks ul{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;align-items:flex-start;gap:44px;padding:24px 0;margin:0;}
.quicklinks a{display:flex;flex-direction:column;align-items:center;gap:12px;width:92px;text-align:center;text-decoration:none;color:var(--navy);font-size:.9rem;font-weight:600;transition:transform .25s var(--ease);}
.quicklinks a:hover{transform:translateY(-3px);}
.quicklink-icon{display:flex;align-items:center;justify-content:center;width:76px;height:76px;border-radius:50%;background:var(--paper-2);border:1px solid var(--rule);transition:border-color .25s var(--ease), background .25s var(--ease);}
.quicklinks a:hover .quicklink-icon{border-color:var(--brass);background:var(--paper);}
.quicklink-icon svg{width:30px;height:30px;color:var(--navy);transition:color .25s var(--ease);}
.quicklinks a:hover .quicklink-icon svg{color:var(--brass-dark);}
@media (max-width:520px){
  .quicklinks ul{gap:28px;padding:40px 0;}
  .quicklink-icon{width:64px;height:64px;}
  .quicklink-icon svg{width:26px;height:26px;}
}

.page-hero{position:relative;min-height:clamp(300px,38vw,440px);display:flex;align-items:flex-end;overflow:hidden;background:var(--navy);color:#fff;}
.page-hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(0deg, rgba(14,29,46,.92) 0%, rgba(14,29,46,.62) 42%, rgba(14,29,46,.18) 78%, rgba(14,29,46,.06) 100%);}
.page-hero .media-cover{opacity:0;animation:heroCoverIn 1.6s var(--ease) forwards;}
.page-hero h1{padding:0 24px 40px;max-width:var(--max);margin:0 auto;position:relative;z-index:3;color:#fff;opacity:0;transform:translateY(16px);animation:heroRiseIn .8s var(--ease) .25s forwards;}
.page-hero h1::before{content:"";display:block;width:40px;height:2px;background:var(--brass-light);margin-bottom:16px;}
.page-body{padding:48px 24px 10px;max-width:800px;}
.page-body h2{border-bottom:1px solid var(--rule);padding-bottom:.3em;}

/* ---------- lead form ---------- */
.lead-form{max-width:560px;margin-top:24px;display:flex;flex-direction:column;gap:14px;}
.lead-form .form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
@media (max-width:560px){.lead-form .form-row{grid-template-columns:1fr;}}
.lead-form label{display:flex;flex-direction:column;gap:6px;font-size:.85rem;font-weight:600;color:var(--muted);}
.lead-form .label-text{display:inline-flex;gap:3px;}
.lead-form label.full{grid-column:1/-1;}
.lead-form input,.lead-form textarea{font:inherit;padding:11px 13px;border:1px solid var(--border);border-radius:4px;color:var(--ink);background:#fff;}
.lead-form input:focus,.lead-form textarea:focus{border-color:var(--brass);}
.lead-form .field-hint{font-weight:400;font-size:.75rem;color:var(--muted);}
.lead-form button{align-self:flex-start;}
.lead-form select{font:inherit;padding:11px 13px;border:1px solid var(--border);border-radius:4px;color:var(--ink);background:#fff;appearance:auto;}
.lead-form select:focus{border-color:var(--brass);}
.quote-panel{background:var(--paper-2);border:1px solid var(--rule);border-radius:var(--radius);padding:clamp(20px,4vw,40px);margin:32px 0;box-shadow:0 14px 34px rgba(14,29,46,.08);}
.quote-panel h2{margin-top:0;color:var(--navy);}
.quote-panel .lead-form{max-width:none;}
.lead-form .coverage-fieldset{border:1px solid var(--border);border-radius:4px;padding:14px 16px;margin:0;display:flex;flex-direction:column;gap:8px;}
.lead-form .coverage-fieldset legend{padding:0 4px;}
.lead-form .coverage-group-label{margin:4px 0 0;font-size:.8rem;font-weight:700;color:var(--ink);}
.lead-form .coverage-checks{display:grid;grid-template-columns:1fr 1fr;gap:6px 14px;}
@media (max-width:560px){.lead-form .coverage-checks{grid-template-columns:1fr;}}
.lead-form .coverage-checks .check{flex-direction:row;align-items:center;gap:8px;font-weight:400;font-size:.9rem;color:var(--ink);}
.lead-form .coverage-checks .check input{width:auto;}
.lead-form .coverage-error{color:#b3261e;}


.form-disclaimer{font-size:.75rem;color:var(--muted);max-width:60ch;}

/* ---------- in-body photo ---------- */
.content-photo{margin:0 0 28px;}
.content-photo img{width:100%;max-width:420px;height:auto;display:block;margin:0 auto;border-radius:var(--radius);box-shadow:0 14px 32px rgba(14,29,46,.16);}

/* ---------- editorial break ---------- */
.editorial-break{position:relative;min-height:clamp(440px,54vw,660px);display:flex;align-items:flex-end;overflow:hidden;margin:0 0 8px;}
.editorial-break::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(0deg, rgba(14,29,46,.9) 0%, rgba(14,29,46,.52) 45%, rgba(14,29,46,.1) 78%);}
.editorial-break-inner{position:relative;z-index:2;max-width:var(--max);margin:0 auto;padding:0 24px 68px;color:#fff;}
.editorial-break .eyebrow{letter-spacing:.16em;text-transform:uppercase;font-size:.78rem;color:var(--brass-light);margin-bottom:16px;font-weight:600;}
.editorial-break .statement{font-family:"Fraunces",serif;font-weight:480;font-size:clamp(1.8rem,4vw,3rem);line-height:1.18;max-width:17ch;margin:0 0 16px;letter-spacing:-.015em;}
.editorial-break .sub{font-size:1.05rem;opacity:.88;max-width:48ch;margin:0;}
@media (max-width:640px){.editorial-break-inner{padding-bottom:44px;}}

/* ---------- coverage selector: "Ledger" tab-flip ---------- */
.coverage-selector{padding:40px 24px 60px;}
.selector-tabs{display:flex;gap:0;margin-bottom:0;border-bottom:2px solid var(--rule);}
.selector-tabs button{position:relative;padding:12px 26px;border:none;background:transparent;color:var(--muted);font-weight:700;cursor:pointer;font-size:.95rem;font-family:"Fraunces",serif;transition:color .25s var(--ease);}
.selector-tabs button::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--brass);transform:scaleX(0);transition:transform .3s var(--ease);}
.selector-tabs button[aria-selected="true"]{color:var(--navy);}
.selector-tabs button[aria-selected="true"]::after{transform:scaleX(1);}
.selector-pane{background:var(--paper-2);border:1px solid var(--rule);border-top:none;padding:28px;transform-origin:top center;perspective:1200px;}
.selector-pane[hidden]{display:none;}
.selector-pane.is-flipping{animation:ledgerFlip .5s var(--ease);}
@keyframes ledgerFlip{
  0%{opacity:0;transform:rotateX(-8deg) translateY(-6px);}
  100%{opacity:1;transform:none;}
}
.selector-group{margin-bottom:28px;}
.selector-group:last-child{margin-bottom:0;}
.selector-group-h{margin:0 0 14px;font-family:"Inter",sans-serif;font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--brass-dark);}
.selector-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px;}
.selector-grid li a{position:relative;display:block;padding:16px 18px;background:#fff;border:1px solid var(--border);border-radius:6px;text-decoration:none;color:var(--ink);font-weight:600;overflow:hidden;transition:transform .3s var(--ease), border-color .3s var(--ease), box-shadow .3s var(--ease);}
.selector-grid li a::before{content:"";position:absolute;top:0;left:0;bottom:0;width:3px;background:var(--brass);transform:scaleY(0);transform-origin:top;transition:transform .3s var(--ease);}
.selector-grid li a:hover{border-color:var(--brass);transform:translateX(4px);box-shadow:0 14px 30px rgba(14,29,46,.1);}
.selector-grid li a:hover::before{transform:scaleY(1);}

/* ---------- stats ---------- */
.stats{padding:68px 24px;background:var(--paper-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);}
.stats ul{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:32px;padding:0;margin:0;text-align:center;}
.stats strong{display:block;font-family:"Fraunces",serif;font-size:clamp(1.4rem,7vw,2.4rem);font-weight:480;color:var(--brass-dark);letter-spacing:-.015em;word-break:break-word;}
.stats span{font-size:.88rem;color:var(--muted);}

/* ---------- philosophy ---------- */
.philosophy{padding:28px 24px 76px;}
.philosophy-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px;margin-top:30px;counter-reset:philo;}
.philosophy-grid h3{color:var(--navy);}
.philosophy-grid > div{position:relative;padding-top:6px;}
.philosophy-grid > div::before{counter-increment:philo;content:counter(philo,decimal-leading-zero);display:block;font-family:"Fraunces",serif;font-size:.85rem;font-weight:700;color:var(--brass-dark);letter-spacing:.1em;margin-bottom:12px;}
.philosophy-grid > div::after{content:"";display:block;width:36px;height:2px;background:var(--brass);margin-top:16px;transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease);}
.philosophy-grid > div.in::after{transform:scaleX(1);}

/* ---------- testimonials ---------- */
.testimonials{padding:28px 24px 76px;}
.testimonial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin-top:30px;}
.testimonial-grid blockquote{position:relative;margin:0;background:var(--paper-2);border:1px solid var(--rule);border-radius:6px;padding:32px 26px 26px;transition:transform .3s var(--ease), box-shadow .3s var(--ease);}
.testimonial-grid blockquote:hover{transform:translateY(-4px);box-shadow:0 18px 36px rgba(14,29,46,.12);}
.testimonial-grid blockquote::before{content:"\201C";position:absolute;top:6px;left:20px;font-family:"Fraunces",serif;font-size:3.6rem;color:var(--brass-light);line-height:1;}
.testimonial-grid p{position:relative;z-index:1;font-size:1.02rem;}
.testimonial-grid footer{margin-top:16px;font-size:.85rem;color:var(--muted);font-style:normal;}
.link-more{position:relative;display:inline-block;margin-top:20px;font-weight:600;text-decoration:none;color:var(--brass-dark);padding-bottom:2px;background-image:linear-gradient(var(--brass-dark),var(--brass-dark));background-repeat:no-repeat;background-position:left bottom;background-size:0 1px;transition:background-size .3s var(--ease);}
.link-more:hover{background-size:100% 1px;}

/* ---------- carriers: trust strip ---------- */
.carriers{background:var(--navy);color:#fff;padding:68px 24px;}
.carriers h2{color:#fff;}
.carriers-intro{max-width:700px;color:rgba(255,255,255,.78);}
.carrier-list{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:16px;padding:0;margin:24px 0;align-items:center;}
.carrier-list li{background:var(--paper-2);border:1px solid var(--rule);border-radius:6px;padding:16px;display:flex;align-items:center;justify-content:center;height:82px;transition:transform .2s var(--ease);}
.carrier-list li:hover{transform:translateY(-3px);}
.carrier-list img{max-width:100%;max-height:44px;width:auto;height:auto;}
.carrier-disclosure{font-size:.85rem;color:rgba(255,255,255,.6);}
.carriers a{color:var(--brass-light);}

/* ---------- FAQ ---------- */
.faq{padding:0;}
.faq details{border-bottom:1px solid var(--rule);padding:14px 0;}
.faq summary{cursor:pointer;font-weight:600;font-size:1rem;color:var(--navy);}
.faq p{margin-top:10px;}

/* ---------- highlight chips ---------- */
.highlight-chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;}
.highlight-chips li{background:var(--paper-2);border:1px solid var(--rule);border-radius:999px;padding:8px 18px;font-size:.88rem;font-weight:600;color:var(--brass-dark);}

/* ---------- cta banner ---------- */
.cta-banner{background:var(--navy);color:#fff;padding:60px 24px;text-align:center;margin-top:56px;}
.cta-banner h2{color:#fff;}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:20px;}
.cta-banner .btn-outline{border-color:rgba(255,255,255,.55);color:#fff;background:transparent;}
.cta-banner .btn-outline:hover{background:rgba(255,255,255,.12);border-color:#fff;}
.cta-banner .license{margin-top:18px;font-size:.85rem;opacity:.7;}

.mt-note{background:#FBF0DB;border:1px solid var(--brass-light);border-radius:6px;padding:12px 16px;font-size:.85rem;color:var(--brass-dark);}

/* ---------- breadcrumb ---------- */
.breadcrumb{max-width:var(--max);margin:18px auto 0;padding:0 24px;font-size:.85rem;color:var(--muted);}
.breadcrumb a{color:var(--muted);}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#c7d3dc;margin-top:0;padding:48px 0 0;}
.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:30px;padding-bottom:30px;}
.footer-grid .brand{color:#fff;font-family:"Fraunces",serif;font-weight:560;font-size:1.15rem;}
.footer-grid h3{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px;}
.footer-grid ul{list-style:none;padding:0;margin:0;}
.footer-grid a{color:#aebccb;text-decoration:none;}
.footer-grid a:hover{color:var(--brass-light);}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 24px;font-size:.8rem;color:#8b99a8;}
@media (max-width:700px){.footer-grid{grid-template-columns:1fr 1fr;}}

/* ---------- scroll reveal ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s var(--ease), transform .8s var(--ease);}
.reveal.in{opacity:1;transform:none;}
.selector-grid li:nth-child(1),.testimonial-grid blockquote:nth-child(1),.philosophy-grid>div:nth-child(1),.carrier-list li:nth-child(1){transition-delay:0ms;}
.selector-grid li:nth-child(2),.testimonial-grid blockquote:nth-child(2),.philosophy-grid>div:nth-child(2),.carrier-list li:nth-child(2){transition-delay:60ms;}
.selector-grid li:nth-child(3),.testimonial-grid blockquote:nth-child(3),.philosophy-grid>div:nth-child(3),.carrier-list li:nth-child(3){transition-delay:120ms;}
.selector-grid li:nth-child(4),.carrier-list li:nth-child(4){transition-delay:180ms;}
.selector-grid li:nth-child(5),.carrier-list li:nth-child(5){transition-delay:240ms;}
.selector-grid li:nth-child(6),.carrier-list li:nth-child(6){transition-delay:300ms;}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none;}
  .hero-cover{animation:none;opacity:1;transform:none;}
  .hero h1,.hero .lede,.hero-stamps,.hero-cta-row{animation:none;opacity:1;transform:none;}
  .page-hero .media-cover,.page-hero h1{animation:none;opacity:1;transform:none;}
  html{scroll-behavior:auto;}
}

/* ==================================================================
   Language switcher — integrated into the header, not a floating overlay
   ================================================================== */
.header-actions .lang-switcher{position:relative;}
.header-actions .lang-switcher .mega-toggle{font-family:"Inter",sans-serif;font-weight:700;letter-spacing:.03em;}
.header-actions .lang-switcher .mega-menu{min-width:0;width:104px;left:auto;right:0;}
.header-actions .lang-switcher .mega-menu li a[aria-current="true"]{color:var(--brass-dark);font-weight:700;background:var(--paper);}
.lang-switcher-mobile{border-top:1px solid var(--rule);margin-top:10px;padding-top:10px;}
.lang-switcher-mobile li{display:inline-block;margin-right:18px;}
.lang-switcher-mobile a[aria-current="true"]{color:var(--brass-dark);}
@media (max-width:1050px){
  .header-actions .lang-switcher{display:none;}
}
/* RTL: driven by <html dir="rtl">, set at build time for the /ar/ tree */
html[dir="rtl"] body{direction:rtl;text-align:right;}
html[dir="rtl"] .header-actions .lang-switcher .mega-menu{left:0;right:auto;}
html[dir="rtl"] .lang-switcher-mobile li{margin-right:0;margin-left:18px;}
html[dir="rtl"] .chat-widget{right:auto;left:20px;}
html[dir="rtl"] .selector-grid li a::before{left:auto;right:0;}
html[dir="rtl"] ul{padding-left:0;padding-right:1.2em;}
/* forward-motion arrow (Get a Quote / Speak with an Advisor CTAs): mirror
   so it points up-left, matching "forward" in RTL reading direction */
html[dir="rtl"] .btn-ring svg{transform:scaleX(-1);}
html:not([dir="rtl"]) body{font-family:"Inter",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;}
html[dir="rtl"] body,html[dir="rtl"] h1,html[dir="rtl"] h2,html[dir="rtl"] h3{font-family:"Noto Sans Arabic","Noto Serif",system-ui,sans-serif;}

/* ==================================================================
   Scripted FAQ chat widget — bottom-right, button-driven, no backend
   ================================================================== */
.chat-widget{position:fixed;right:20px;bottom:20px;z-index:75;font-family:"Inter",sans-serif;}
.chat-toggle{width:58px;height:58px;border-radius:50%;background:var(--navy);color:#fff;border:none;cursor:pointer;box-shadow:0 12px 28px rgba(14,29,46,.3);font-size:1.5rem;display:flex;align-items:center;justify-content:center;transition:transform .25s var(--ease), background .25s var(--ease);}
.chat-toggle:hover{transform:translateY(-2px);background:var(--brass-dark);}
.chat-panel{position:absolute;right:0;bottom:72px;width:300px;max-width:calc(100vw - 40px);background:var(--paper-2);border-radius:10px;box-shadow:0 8px 20px rgba(14,29,46,.32);overflow:hidden;display:none;}
.chat-panel.is-open{display:block;animation:chatUp .25s var(--ease);}
@keyframes chatUp{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:none;}}
.chat-head{background:var(--navy);color:#fff;padding:14px 16px;display:flex;align-items:center;justify-content:space-between;}
.chat-head strong{font-family:"Fraunces",serif;font-weight:600;font-size:.95rem;}
.chat-close{background:none;border:none;color:#fff;font-size:1.1rem;cursor:pointer;line-height:1;padding:2px 6px;}
.chat-body{padding:14px 16px;max-height:340px;overflow-y:auto;}
.chat-msg{background:#fff;border:1px solid var(--rule);border-radius:8px;padding:10px 12px;font-size:.86rem;color:var(--ink);margin-bottom:12px;line-height:1.55;}
.chat-options{display:flex;flex-direction:column;gap:8px;}
.chat-options button{text-align:left;background:#fff;border:1px solid var(--border);border-radius:6px;padding:10px 12px;font-size:.85rem;font-weight:600;color:var(--navy);cursor:pointer;transition:border-color .2s var(--ease), background .2s var(--ease);}
.chat-options button:hover{border-color:var(--brass);background:var(--paper);}
.chat-back{margin-top:4px;background:none;border:none;color:var(--brass-dark);font-size:.8rem;font-weight:600;cursor:pointer;padding:4px 0;}

/* ---------- programmatic insurance landing pages ---------- */
.page-body .eyebrow{
  font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;
  color:var(--brass-dark);font-weight:600;margin:0 0 18px;
}
.bluf{
  background:var(--paper-2);border:1px solid var(--border);
  border-left:4px solid var(--brass);border-radius:var(--radius);
  padding:20px 24px;margin:0 0 28px;
}
.bluf h2{
  font-size:.8rem;letter-spacing:.09em;text-transform:uppercase;
  color:var(--brass-dark);margin:0 0 8px;
}
.bluf p{margin:0;}
.premium-band{
  border:1px solid var(--border);border-radius:var(--radius);
  padding:20px 24px;margin:0 0 32px;
}
.premium-band h2{
  font-size:.8rem;letter-spacing:.09em;text-transform:uppercase;
  color:var(--muted);margin:0 0 6px;
}
.premium-figure{
  font-family:Fraunces,Georgia,serif;font-size:1.5rem;font-weight:560;
  color:var(--navy);margin:0 0 10px;line-height:1.25;
}
.premium-note{font-size:.88rem;color:var(--muted);margin:0;}
.related-grid{
  list-style:none;padding:0;margin:0 0 18px;
  display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:8px 20px;
}
.related-grid a{text-decoration:none;border-bottom:1px solid var(--rule);}
.related-grid a:hover{border-bottom-color:var(--brass);}
.ymyl{
  margin:36px 0 0;padding:18px 0 0;border-top:1px solid var(--rule);
}
.ymyl h2{font-size:.8rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin:0 0 8px;}
.ymyl p{font-size:.82rem;color:var(--muted);margin:0;}

/* ---------- hub category pages (/personal, /business, /locations) ---------- */
.hub-steps{
  list-style:none;counter-reset:hubstep;padding:0;margin:0 0 32px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;
}
.hub-steps li{
  counter-increment:hubstep;position:relative;
  padding:18px 20px 18px 56px;border:1px solid var(--border);border-radius:var(--radius);
  background:var(--paper-2);
}
.hub-steps li::before{
  content:counter(hubstep);position:absolute;left:18px;top:18px;
  width:26px;height:26px;border-radius:50%;background:var(--brass);color:#fff;
  font-size:.8rem;font-weight:600;display:flex;align-items:center;justify-content:center;
}
.hub-steps h3{font-size:.98rem;margin:0 0 6px;}
.hub-steps p{margin:0;font-size:.9rem;color:var(--muted);}
.hub-cards{
  list-style:none;padding:0;margin:0 0 32px;
  display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;
}
.hub-cards li{
  border:1px solid var(--border);border-radius:var(--radius);
  padding:20px 22px;background:var(--paper-2);
}
.hub-cards h3{font-size:1.02rem;margin:0 0 8px;}
.hub-cards h3 a{text-decoration:none;}
.hub-cards p{margin:0 0 8px;font-size:.9rem;color:var(--muted);}
.hub-cards .link-more{margin:12px 0 0;font-size:.85rem;}
.related-grid span{color:var(--muted);}
@media (max-width:600px){
  .hub-steps li{padding:16px 16px 16px 52px;}
}