/* Foxworth Insurance Agency — Static Local SEO Build
   Palette: navy #1A2D7A, coral #E53935, white text on dark.
   Typography: Poppins (Google Fonts). Sans-only.
*/

:root {
  --c-navy: #1A2D7A;
  --c-navy-dark: #101F5A;
  --c-navy-deep: #0B1747;
  --c-coral: #E53935;
  --c-coral-dark: #C62828;
  --c-white: #FFFFFF;
  --c-off: #F7F8FB;
  --c-text: #1F2230;
  --c-text-muted: #5A607A;
  --c-border: #E2E5EC;

  --container: 1200px;
  --container-narrow: 880px;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow-card: 0 8px 28px rgba(16, 31, 90, 0.08);
  --shadow-elev: 0 16px 48px rgba(16, 31, 90, 0.18);

  --font-sans: 'Poppins', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --header-h: 96px;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-text);
  background: var(--c-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--c-navy); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--c-coral); }
h1, h2, h3, h4 { color: var(--c-navy); font-weight: 800; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; }

/* ---------- Utility ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { width: 100%; max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }
.center { text-align: center; }
.muted { color: var(--c-text-muted); }
.eyebrow { display: inline-block; text-transform: uppercase; letter-spacing: .15em; font-size: .85rem; font-weight: 600; color: var(--c-coral); margin-bottom: .75rem; }
.section { padding: clamp(48px, 7vw, 96px) 0; }
.section-tight { padding: clamp(32px, 4vw, 56px) 0; }
.section-alt { background: var(--c-off); }
.section-navy { background: var(--c-navy); color: var(--c-white); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--c-white); }
.section-title { text-align: center; font-size: clamp(1.8rem, 3.2vw, 2.5rem); margin-bottom: .25em; }
.section-subtitle { text-align: center; max-width: 720px; margin: 0 auto 2.5rem; color: var(--c-text-muted); }
.divider { height: 4px; width: 64px; background: var(--c-coral); border: 0; margin: 0 auto 2rem; }
.disclosure { font-size: .8rem; color: var(--c-text-muted); line-height: 1.55; }
.visually-hidden { position:absolute !important; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); border:0; }
.skip-link { position:absolute; left:-9999px; top:auto; }
.skip-link:focus { left:1rem; top:1rem; background:var(--c-navy); color:#fff; padding:.5rem .75rem; border-radius:6px; z-index:1000; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .8rem 1.4rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background-color .2s ease, color .2s ease, border-color .2s ease, transform .15s ease;
  text-decoration: none;
  white-space: nowrap;
}
.btn--lg { padding: 1rem 1.75rem; font-size: 1.05rem; }
.btn--sm { padding: .55rem 1rem; font-size: .9rem; }
.btn--primary { background: var(--c-coral); color: #fff; border-color: var(--c-coral); }
.btn--primary:hover { background: var(--c-coral-dark); border-color: var(--c-coral-dark); color: #fff; }
.btn--navy { background: var(--c-navy); color: #fff; border-color: var(--c-navy); }
.btn--navy:hover { background: var(--c-navy-dark); border-color: var(--c-navy-dark); color: #fff; }
.btn--outline-white { background: transparent; color: #fff; border-color: rgba(255,255,255,.85); }
.btn--outline-white:hover { background: #fff; color: var(--c-navy); border-color: #fff; }
.btn--outline-navy { background: transparent; color: var(--c-navy); border-color: var(--c-navy); }
.btn--outline-navy:hover { background: var(--c-navy); color: #fff; }

/* ---------- Header ---------- */
.site-topbar {
  background: var(--c-navy-deep);
  color: #fff;
  font-size: .85rem;
}
.site-topbar a { color: #fff; }
.site-topbar a:hover { color: var(--c-coral); }
.site-topbar__inner {
  display: flex; justify-content: space-between; align-items: center;
  max-width: var(--container); margin: 0 auto; padding: .5rem 24px;
  gap: 1rem;
}
.site-topbar__label {
  font-weight: 700;
  letter-spacing: .01em;
  line-height: 1.25;
}
.site-topbar__actions {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: .45rem;
  justify-content: flex-end;
}
.site-topbar__pill {
  align-items: center;
  border: 1px solid rgba(255,255,255,.26);
  border-radius: 999px;
  display: inline-flex;
  font-weight: 800;
  justify-content: center;
  line-height: 1;
  min-height: 31px;
  padding: .38rem .78rem;
  text-decoration: none;
  white-space: nowrap;
}
.site-topbar__pill--call {
  background: var(--c-coral);
  border-color: var(--c-coral);
}
.site-topbar__pill--email {
  background: rgba(255,255,255,.08);
}
.site-topbar__pill:hover {
  background: #fff;
  border-color: #fff;
  color: var(--c-navy);
}
@media (max-width: 640px) {
  .site-topbar {
    font-size: .78rem;
  }
  .site-topbar__inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: .42rem;
    padding: .48rem 18px .6rem;
    text-align: center;
  }
  .site-topbar__inner span {
    min-width: 0;
  }
  .site-topbar__label {
    line-height: 1.25;
  }
  .site-topbar__actions {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(92px, .46fr);
    gap: .42rem;
    justify-content: stretch;
  }
  .site-topbar__pill {
    min-height: 36px;
    padding: .42rem .55rem;
    width: 100%;
  }
}
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: var(--c-navy);
  color: #fff;
  box-shadow: 0 2px 0 rgba(255,255,255,.04);
  transition: box-shadow .2s ease, background .2s ease;
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(0,0,0,.18); }
.site-header__inner {
  display: grid;
  grid-template-columns: minmax(210px, 280px) minmax(0, 1fr) auto;
  align-items: center;
  gap: 1.25rem;
  max-width: var(--container);
  margin: 0 auto; padding: 14px 24px;
}
.brand { display: flex; align-items: center; gap: .65rem; color: #fff; }
.brand:hover { color: #fff; }
.brand__logo {
  display: block;
  width: min(240px, 100%);
  height: auto;
  object-fit: contain;
}
.brand__mark {
  width: 42px; height: 42px; border-radius: 8px;
  background: var(--c-coral); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.15rem;
  box-shadow: 0 4px 12px rgba(229,57,53,.45);
}
.brand__name { font-weight: 800; line-height: 1.05; font-size: 1.05rem; }
.brand__name span { display:block; font-weight: 500; font-size: .8rem; color: rgba(255,255,255,.78); }

.main-nav { display: none; justify-self: center; }
@media (min-width: 1180px) { .main-nav { display: block; } }
.main-nav__list { list-style: none; padding: 0; margin: 0; display: flex; align-items: center; justify-content: center; gap: .2rem; }
.main-nav__item { position: relative; }
.main-nav__link {
  display: inline-flex; align-items: center; gap: .35rem;
  padding: .6rem .9rem; color: #fff; font-weight: 600; font-size: .95rem; border-radius: 8px;
}
.main-nav__link:hover, .main-nav__item:hover > .main-nav__link, .main-nav__item:focus-within > .main-nav__link {
  color: #fff; background: rgba(255,255,255,.08);
}
.main-nav__link--has-mega::after {
  content: ""; width: 8px; height: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px); margin-left: .15rem;
}

/* Mega menu */
.mega {
  position: fixed;
  top: calc(var(--header-h) + 18px);
  left: 50vw;
  transform: translateX(-50%);
  background: #fff; color: var(--c-text);
  isolation: isolate;
  width: min(1080px, calc(100vw - 48px));
  max-width: calc(100vw - 48px);
  max-height: calc(100vh - var(--header-h) - 18px);
  overflow-y: auto;
  padding: 1.75rem 1.75rem 1.5rem;
  border-radius: 14px;
  box-shadow: var(--shadow-elev);
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 1.25rem 2rem;
  opacity: 0; visibility: hidden; transform: translate(-50%, 6px);
  transition: opacity .12s ease, transform .12s ease, visibility 0s linear 0s;
  z-index: 1100;
}
.mega--services {
  width: min(1040px, calc(100vw - 48px));
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 1.25rem;
  padding: 1rem;
}
.mega--areas {
  width: min(1040px, calc(100vw - 48px));
  grid-template-columns: minmax(230px, .78fr) minmax(0, 1.52fr) minmax(210px, .7fr);
  gap: 1rem;
  padding: .9rem;
  box-shadow: 0 24px 70px rgba(8, 18, 44, .32), 0 0 0 1px rgba(26, 45, 122, .08);
}
.mega--news {
  width: min(640px, calc(100vw - 48px));
  grid-template-columns: minmax(0, 1fr);
  gap: .85rem;
  padding: 1rem;
}
.mega-news-feature {
  background: linear-gradient(135deg, rgba(26,45,122,.07), rgba(229,57,53,.06));
  border: 1px solid var(--c-border);
  border-radius: 12px;
  padding: 1rem;
}
.mega-news-feature p {
  color: var(--c-text-muted);
  font-size: .9rem;
  line-height: 1.5;
  margin: 0 0 .7rem;
}
.mega-news-feature a:not(.btn) {
  color: var(--c-navy);
  font-weight: 800;
}
.main-nav__item:hover > .mega,
.main-nav__item:focus-within > .mega,
.main-nav__item.is-mega-open > .mega {
  opacity: 1; visibility: visible; transform: translate(-50%, 0);
  transition: opacity .15s ease, transform .15s ease, visibility 0s linear 0s;
}
/* hover bridge */
.main-nav__item--mega::before {
  content: "";
  position: absolute;
  left: -1rem;
  right: -1rem;
  top: 100%;
  height: 54px;
  z-index: 1099;
  pointer-events: auto;
}
.mega__col { min-width: 0; }
.mega__heading { font-size: .85rem; text-transform: uppercase; letter-spacing: .12em; color: var(--c-coral); font-weight: 700; margin-bottom: .5rem; }
.mega__heading--spaced { margin-top: 1rem; }
.mega__list { list-style: none; padding: 0; margin: 0; display: grid; gap: .25rem; }
.mega__list a { color: var(--c-text); font-weight: 500; font-size: .95rem; display: block; padding: .25rem 0; }
.mega__list--compact { gap: .1rem; }
.mega__list--compact a { font-size: .86rem; line-height: 1.25; padding: .18rem 0; }
.mega__list--panel {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: .35rem 1.25rem;
}
.mega__list--panel a {
  border-radius: 8px;
  padding: .48rem .55rem;
}
.mega__list--panel a:hover {
  background: rgba(26,45,122,.06);
}
.mega__list--area {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .14rem .55rem;
}
.mega__list--area a {
  border-radius: 7px;
  font-size: .82rem;
  line-height: 1.2;
  padding: .28rem .34rem;
}
.mega__list--area-single {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.mega__list--area a:hover {
  background: rgba(26,45,122,.06);
}
.mega__list a:hover { color: var(--c-coral); }
.mega-area-feature {
  background: linear-gradient(135deg, rgba(26,45,122,.08), rgba(229,57,53,.06));
  border: 1px solid var(--c-border);
  border-radius: 12px;
  padding: .9rem;
}
.mega-area-feature p:not(.mega__heading) {
  color: var(--c-text-muted);
  font-size: .86rem;
  line-height: 1.42;
  margin: 0 0 .75rem;
}
.mega-area-cards {
  display: grid;
  gap: .45rem;
}
.mega-area-card {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: 10px;
  color: var(--c-text);
  display: block;
  padding: .56rem .7rem;
}
.mega-area-card span {
  color: var(--c-navy);
  display: block;
  font-weight: 800;
  line-height: 1.2;
}
.mega-area-card small {
  color: var(--c-text-muted);
  display: block;
  font-size: .72rem;
  margin-top: .15rem;
}
.mega-area-card:hover {
  border-color: rgba(229,57,53,.35);
  box-shadow: 0 8px 18px rgba(26,45,122,.1);
}
.mega-area-regions {
  display: grid;
  gap: .75rem;
  grid-template-columns: 190px minmax(0, 1fr);
  min-width: 0;
}
.mega-area-tabs {
  background: var(--c-off);
  border: 1px solid var(--c-border);
  border-radius: 12px;
  display: grid;
  gap: .35rem;
  padding: .48rem;
  align-self: start;
}
.mega-area-tabs .mega-service-tab {
  padding: .65rem .75rem;
}
.mega-area-tabs .mega-service-tab small {
  font-size: .72rem;
}
.mega-area-panels {
  min-width: 0;
}
.mega-area-panel {
  display: grid;
  gap: .72rem;
}
.mega-area-panel[hidden] {
  display: none;
}
.mega-area-side {
  display: grid;
  gap: .6rem;
  align-self: start;
}
.mega-area-side__box {
  background: var(--c-off);
  border: 1px solid var(--c-border);
  border-radius: 12px;
  padding: .78rem;
}
.mega-area-side__box p {
  color: var(--c-text-muted);
  font-size: .82rem;
  line-height: 1.4;
  margin: 0 0 .45rem;
}
.mega-area-side__box a {
  color: var(--c-navy);
  font-size: .84rem;
  font-weight: 800;
}
.mega-service-tabs {
  background: var(--c-off);
  border: 1px solid var(--c-border);
  border-radius: 12px;
  display: grid;
  gap: .35rem;
  padding: .55rem;
  align-self: start;
}
.mega-service-tab {
  appearance: none;
  background: transparent;
  border: 0;
  border-radius: 10px;
  color: var(--c-text);
  cursor: pointer;
  display: block;
  font: inherit;
  padding: .75rem .85rem;
  text-align: left;
  transition: background .15s ease, color .15s ease, box-shadow .15s ease;
}
.mega-service-tab span {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: var(--c-navy);
  font-weight: 800;
  line-height: 1.2;
}
.mega-service-tab span::after {
  content: "›";
  color: currentColor;
  font-size: 1.15rem;
  line-height: 1;
}
.mega-service-tab small {
  color: var(--c-text-muted);
  display: block;
  font-size: .76rem;
  line-height: 1.35;
  margin-top: .25rem;
}
.mega-service-tab:hover,
.mega-service-tab:focus-visible,
.mega-service-tab.is-active {
  background: linear-gradient(135deg, var(--c-navy) 0%, var(--c-navy-dark) 100%);
  box-shadow: 0 8px 18px rgba(26,45,122,.18);
  color: #fff;
  outline: 0;
}
.mega-service-tab.is-active {
  position: relative;
}
.mega-service-tab.is-active::before {
  content: "";
  position: absolute;
  inset: .55rem auto .55rem .45rem;
  width: 4px;
  border-radius: 999px;
  background: var(--c-coral);
}
.mega-service-tab.is-active span,
.mega-service-tab.is-active small {
  padding-left: .4rem;
}
.mega-service-tab:hover span,
.mega-service-tab:focus-visible span,
.mega-service-tab.is-active span,
.mega-service-tab:hover small,
.mega-service-tab:focus-visible small,
.mega-service-tab.is-active small {
  color: #fff;
}
.mega-service-panels {
  min-width: 0;
}
.mega-service-panel {
  display: grid;
  gap: .9rem;
}
.mega-service-panel[hidden] {
  display: none;
}
.mega-service-panel__intro {
  background: linear-gradient(135deg, rgba(26,45,122,.06), rgba(229,57,53,.06));
  border: 1px solid var(--c-border);
  border-radius: 12px;
  padding: 1rem 1.1rem;
}
.mega-service-panel__intro .mega__heading {
  margin-bottom: .25rem;
}
.mega-service-panel__intro p:last-child {
  color: var(--c-text-muted);
  font-size: .92rem;
  line-height: 1.5;
  margin: 0;
}
.mega__cta {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, var(--c-navy) 0%, var(--c-navy-deep) 100%);
  color: #fff; padding: 1rem 1.25rem; border-radius: 10px;
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem;
  margin-top: .5rem;
}
.mega__cta strong { font-size: 1rem; }
.mega__cta p { margin: 0; font-size: .9rem; color: rgba(255,255,255,.85); }

.header-ctas { display: none; align-items: center; gap: .5rem; justify-self: end; }
@media (min-width: 1180px) { .header-ctas { display: flex; } }
.btn-call.btn { background: var(--c-coral); color: #fff; border-color: var(--c-coral); }
.btn-book.btn { background: transparent; color: #fff; border-color: rgba(255,255,255,.85); }
.btn-book.btn:hover { background: #fff; color: var(--c-navy); border-color: #fff; }

/* Mobile */
.menu-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(255,255,255,.08); color: #fff; border: 0; cursor: pointer;
}
.menu-toggle__bar {
  display: block; width: 22px; height: 2px; background: #fff;
  position: relative;
}
.menu-toggle__bar::before, .menu-toggle__bar::after {
  content: ""; position: absolute; left: 0; width: 22px; height: 2px; background: #fff;
}
.menu-toggle__bar::before { top: -7px; }
.menu-toggle__bar::after { top: 7px; }
@media (min-width: 1180px) { .menu-toggle { display: none; } }

.mobile-nav {
  position: fixed; inset: 0; background: var(--c-navy);
  color: #fff;
  transform: translateX(100%); transition: transform .25s ease;
  z-index: 1200; overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  height: 100vh;
  height: 100dvh;
  max-height: 100dvh;
  overscroll-behavior: contain;
  padding: 1.25rem 1.5rem calc(7rem + env(safe-area-inset-bottom));
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav__close {
  position: absolute; top: 14px; right: 16px;
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(255,255,255,.08); color: #fff; border: 0; font-size: 1.5rem; cursor: pointer;
}
.mobile-nav__list { list-style: none; padding: 0 0 calc(5rem + env(safe-area-inset-bottom)); margin: 3.65rem 0 0; display: grid; gap: .25rem; }
.mobile-nav__item a { display: block; color: #fff; padding: .85rem .5rem; font-weight: 600; border-bottom: 1px solid rgba(255,255,255,.08); }
.mobile-nav__cta a {
  border-bottom: 0;
  box-sizing: border-box;
  margin: .8rem 0 0;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  text-align: center;
  width: 100%;
}
.mobile-nav__cta .btn--outline-white {
  background: #fff;
  border-color: #fff;
  box-shadow: 0 10px 24px rgba(0,0,0,.14);
  color: var(--c-navy);
}
.mobile-nav__cta .btn--outline-white:hover,
.mobile-nav__cta .btn--outline-white:focus-visible {
  background: var(--c-off);
  border-color: var(--c-off);
  color: var(--c-navy);
}
.mobile-nav__cta:last-child { margin-bottom: 2.5rem; }
.mobile-nav__group { padding: 0 .5rem; border-bottom: 1px solid rgba(255,255,255,.08); }
.mobile-nav__group > details > summary { cursor: pointer; padding: .85rem 0; font-weight: 600; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.mobile-nav__group > details > summary::-webkit-details-marker { display: none; }
.mobile-nav__group > details > summary::after { content: "+"; font-size: 1.3rem; }
.mobile-nav__group > details[open] > summary::after { content: "−"; }
.mobile-nav__sub { list-style: none; padding-left: 1rem; margin: 0 0 .75rem; display: grid; gap: .25rem; }
.mobile-nav__sub a { padding: .55rem 0; font-weight: 500; color: rgba(255,255,255,.86); border: 0; }
.mobile-nav__subheading {
  color: var(--c-coral);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  margin: .8rem 0 .1rem;
  text-transform: uppercase;
}

@media (max-width: 767px) {
  :root { --header-h: 77px; }
  .site-header__inner {
    grid-template-columns: minmax(0, 1fr) auto;
    gap: .75rem;
    padding: 14px 22px;
  }
  .brand__logo { width: min(240px, calc(100vw - 126px)); }
  .subscribe-card {
    margin-top: -36px;
    padding: 1.35rem;
  }
  .subscribe-card__form { flex-direction: column; }
  .subscribe-card__input,
  .subscribe-card__submit {
    width: 100%;
    min-height: 48px;
  }
  .area-card {
    align-items: flex-start;
    flex-direction: column;
  }
  .footer-bottom__inner {
    align-items: flex-start;
    flex-direction: column;
  }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: var(--c-navy);
  background-size: cover; background-position: center;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
}
.hero--home { min-height: 640px; padding: clamp(48px, 8vw, 96px) 0 clamp(64px, 9vw, 120px); }
.hero--page { padding: clamp(64px, 9vw, 110px) 0 clamp(48px, 6vw, 80px); }
.hero__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(11,23,71,.78) 0%, rgba(26,45,122,.62) 60%, rgba(11,23,71,.85) 100%);
  z-index: 0;
}
.hero__inner { position: relative; z-index: 1; text-align: center; }
.hero--home .hero__inner { max-width: 760px; margin: 0 auto; }
.hero__eyebrow { color: #fff; opacity: .9; font-size: .82rem; letter-spacing: .25em; font-weight: 600; text-transform: uppercase; }
.hero__title { color: #fff; font-size: clamp(2.2rem, 5vw, 3.4rem); margin: .25em 0 .5em; }
.hero--home .hero__title { font-size: clamp(2.4rem, 5.5vw, 3.8rem); text-transform: uppercase; }
.hero__subtitle { color: #fff; font-size: clamp(1rem, 1.5vw, 1.15rem); opacity: .9; margin-bottom: 1rem; }
.hero__body { color: rgba(255,255,255,.92); font-size: 1.05rem; max-width: 600px; margin: 0 auto 1.5rem; }
.hero__ctas { display: flex; flex-wrap: wrap; justify-content: center; gap: .75rem; }
.hero__owner {
  position: absolute; right: 4%; bottom: 0; height: 90%; width: auto; max-height: 600px;
  z-index: 1; pointer-events: none; display: none;
}
@media (min-width: 1100px) { .hero__owner { display: block; } }
.hero * { color: #fff; }
.hero__body, .hero__subtitle { color: rgba(255,255,255,.92); }
.hero h1, .hero h2 { text-shadow: 0 2px 8px rgba(0,0,0,.25); }

/* breadcrumbs */
.breadcrumbs { margin-bottom: 1rem; }
.breadcrumbs__list { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: .35rem; padding: 0; margin: 0; font-size: .85rem; color: rgba(255,255,255,.85); }
.breadcrumbs__item { display: inline-flex; align-items: center; }
.breadcrumbs__item + .breadcrumbs__item::before { content: "›"; margin: 0 .35rem; opacity: .7; }
.breadcrumbs__item a { color: #fff; opacity: .9; }
.breadcrumbs__item a:hover { color: var(--c-coral); opacity: 1; }
.breadcrumbs__item[aria-current="page"] { opacity: .9; }

/* ---------- Subscription card ---------- */
.subscribe-card {
  background: #fff;
  border-radius: 18px;
  box-shadow: var(--shadow-elev);
  margin: -54px auto 0;
  padding: 1.75rem 1.75rem;
  max-width: 980px;
  position: relative; z-index: 5;
  display: grid; gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .subscribe-card { grid-template-columns: 1.4fr 1fr; align-items: center; }
}
.subscribe-card__title { font-size: 1.4rem; margin-bottom: .35em; color: var(--c-navy); }
.subscribe-card__body { color: var(--c-text-muted); font-size: .95rem; margin: 0; }
.subscribe-card__form { display: flex; gap: .5rem; }
.subscribe-card__input { flex: 1 1 auto; padding: .9rem 1rem; border-radius: 999px; border: 1px solid var(--c-border); font: inherit; min-width: 0; }
.subscribe-card__input:focus { outline: 2px solid var(--c-navy); outline-offset: 2px; }
.subscribe-card__submit { background: var(--c-coral); color: #fff; border: 0; padding: .9rem 1.4rem; border-radius: 999px; font-weight: 600; cursor: pointer; }
.subscribe-card__submit:hover { background: var(--c-coral-dark); }

/* ---------- Grids / cards ---------- */
.grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 720px) {
  .grid--2 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
}
.card {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow-card);
  transition: transform .2s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow-elev); }

.service-card { display: flex; flex-direction: column; padding: 0; overflow: hidden; }
.service-card__img { aspect-ratio: 16 / 10; width: 100%; object-fit: cover; }
.service-card__title { color: var(--c-navy); padding: 1rem 1.25rem 0; font-size: 1.15rem; }
.service-card__body { padding: 0 1.25rem; color: var(--c-text-muted); font-size: .95rem; flex-grow: 1; }
.service-card__cta { padding: 1rem 1.25rem 1.25rem; }
.service-card__cta a { color: var(--c-coral); font-weight: 600; }

.area-card { padding: 1rem 1.25rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.area-card__title { font-size: 1.05rem; margin: 0; color: var(--c-navy); }
.area-card a.btn--sm { flex-shrink: 0; }

.partner-grid { display: grid; gap: 1rem; grid-template-columns: repeat(2, 1fr); align-items: center; }
@media (min-width: 768px) { .partner-grid { grid-template-columns: repeat(4, 1fr); } }
.partner-logo { background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius-sm); padding: 1rem; text-align: center; color: var(--c-navy); font-weight: 700; }

.testimonial-card { background: #fff; border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow-card); border-top: 4px solid var(--c-coral); }
.testimonial-card__stars { color: #F5B324; font-size: 1rem; letter-spacing: 2px; margin-bottom: .5rem; }
.testimonial-card__quote { font-size: .98rem; color: var(--c-text); margin: 0 0 1rem; }
.testimonial-card__author { font-weight: 700; color: var(--c-navy); margin: 0; }

/* Blog cards */
.blog-card { display: flex; flex-direction: column; padding: 0; overflow: hidden; height: 100%; }
.blog-card__img { aspect-ratio: 16 / 10; object-fit: cover; width: 100%; }
.blog-card__title { padding: 1rem 1.25rem 0; font-size: 1.1rem; color: var(--c-navy); }
.blog-card__excerpt { padding: 0 1.25rem; flex-grow: 1; color: var(--c-text-muted); font-size: .9rem; }
.blog-card__meta { padding: .75rem 1.25rem 1.25rem; color: var(--c-text-muted); font-size: .8rem; display: flex; justify-content: space-between; align-items: center; }
.blog-card__meta .tag { background: rgba(26,45,122,.08); color: var(--c-navy); padding: .15rem .55rem; border-radius: 999px; font-size: .75rem; font-weight: 600; }
.featured-news-card {
  background: linear-gradient(135deg, rgba(26,45,122,.07), rgba(229,57,53,.06));
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  margin-top: 2rem;
  padding: clamp(1.25rem, 3vw, 2rem);
}
.featured-news-card h2 {
  margin-top: .35rem;
}
.featured-news-card p:last-child {
  margin-bottom: 0;
}

/* Meet section */
.meet { display: grid; gap: 2rem; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .meet { grid-template-columns: 380px 1fr; } }
.meet__photo { background: var(--c-off); border-radius: var(--radius); padding: 1rem; text-align: center; }
.meet__photo img { border-radius: var(--radius); margin: 0 auto; max-height: 480px; width: auto; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(135deg, var(--c-navy) 0%, var(--c-navy-deep) 100%);
  color: #fff;
  border-radius: var(--radius);
  padding: clamp(2rem, 5vw, 3rem);
  text-align: center;
  box-shadow: var(--shadow-elev);
  background-size: cover; background-position: center;
}
.cta-banner__title { color: #fff; font-size: clamp(1.5rem, 3vw, 2rem); }
.cta-banner__body { color: rgba(255,255,255,.9); max-width: 620px; margin: 0 auto 1.25rem; }
.cta-banner__ctas { display: flex; flex-wrap: wrap; gap: .75rem; justify-content: center; }

/* Independent broker block */
.independent { background: linear-gradient(rgba(11,23,71,.85), rgba(26,45,122,.85)), url('/images/independent-bg.jpg') center / cover no-repeat; color: #fff; }
.independent__inner { max-width: 800px; margin: 0 auto; text-align: center; padding: clamp(48px, 7vw, 96px) 24px; }
.independent h2 { color: #fff; }
.independent p { color: rgba(255,255,255,.92); }

/* FAQ */
.faq { display: grid; gap: .75rem; }
.faq__item { background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius-sm); overflow: hidden; }
.faq__item details { padding: 0; }
.faq__item summary { cursor: pointer; padding: 1rem 1.25rem; font-weight: 600; color: var(--c-navy); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary h3 { display: inline; font-size: 1.05rem; margin: 0; color: var(--c-navy); font-weight: 600; }
.faq__item summary::after { content: "+"; font-size: 1.4rem; color: var(--c-coral); flex-shrink: 0; }
.faq__item details[open] summary::after { content: "−"; }
.faq__item .faq__answer { padding: 0 1.25rem 1rem; color: var(--c-text); }
.faq__item .faq__answer p { margin: 0; }

/* ---------- Footer ---------- */
.footer-cta { background: linear-gradient(135deg, var(--c-coral) 0%, var(--c-coral-dark) 100%); color: #fff; padding: clamp(32px, 5vw, 64px) 0; }
.footer-cta__inner { display: grid; gap: 1.25rem; grid-template-columns: 1fr; align-items: center; max-width: var(--container); margin: 0 auto; padding: 0 24px; text-align: center; }
@media (min-width: 800px) { .footer-cta__inner { grid-template-columns: 1.4fr auto; text-align: left; } }
.footer-cta__inner h2 { color: #fff; margin: 0; font-size: clamp(1.5rem, 2.5vw, 2rem); }
.footer-cta__inner p { color: rgba(255,255,255,.92); margin: .5rem 0 0; }
.footer-cta__actions { display: flex; gap: .5rem; flex-wrap: wrap; justify-content: center; }
.footer-cta__phone { background: #fff; color: var(--c-coral-dark); border-color: #fff; }
.footer-cta__phone:hover { background: var(--c-navy); color: #fff; border-color: var(--c-navy); }
.footer-cta__book { background: transparent; color: #fff; border-color: #fff; }
.footer-cta__book:hover { background: #fff; color: var(--c-coral-dark); border-color: #fff; }

#site-footer { background: var(--c-navy-deep); color: rgba(255,255,255,.85); }
#site-footer a { color: rgba(255,255,255,.85); }
#site-footer a:hover { color: #fff; }
#site-footer .footer-cta__phone,
#site-footer a.footer-cta__phone {
  background: #fff;
  border-color: #fff;
  color: var(--c-coral-dark);
}
#site-footer .footer-cta__phone:hover,
#site-footer a.footer-cta__phone:hover,
#site-footer .footer-cta__phone:focus-visible,
#site-footer a.footer-cta__phone:focus-visible {
  background: var(--c-navy);
  border-color: var(--c-navy);
  color: #fff;
}
#site-footer .footer-cta__book,
#site-footer a.footer-cta__book {
  background: transparent;
  border-color: #fff;
  color: #fff;
}
#site-footer .footer-cta__book:hover,
#site-footer a.footer-cta__book:hover,
#site-footer .footer-cta__book:focus-visible,
#site-footer a.footer-cta__book:focus-visible {
  background: #fff;
  border-color: #fff;
  color: var(--c-coral-dark);
}
.footer-main { padding: clamp(40px, 6vw, 72px) 0 clamp(24px, 3vw, 40px); }
.footer-grid {
  display: grid; gap: 2rem;
  grid-template-columns: 1fr;
  max-width: var(--container); margin: 0 auto; padding: 0 24px;
}
@media (min-width: 720px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.4fr repeat(4, 1fr); } }
.footer-col__heading { color: #fff; font-size: 1rem; font-weight: 700; margin-bottom: 1rem; text-transform: uppercase; letter-spacing: .08em; }
.footer-col__list { list-style: none; padding: 0; margin: 0; display: grid; gap: .5rem; }
.footer-col__list a { font-size: .92rem; }
.footer-brand p { color: rgba(255,255,255,.78); font-size: .92rem; line-height: 1.55; }
.footer-brand__nap { font-style: normal; line-height: 1.7; color: rgba(255,255,255,.85); font-size: .92rem; margin-top: 1rem; }
.footer-brand__nap strong { color: #fff; display: block; margin-bottom: .25rem; }
.footer-social { display: flex; gap: .5rem; margin-top: 1rem; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; background: rgba(255,255,255,.08); border-radius: 50%;
}
.footer-social a:hover { background: var(--c-coral); }
.footer-disclosure {
  max-width: var(--container); margin: 0 auto; padding: 0 24px;
  font-size: .78rem; color: rgba(255,255,255,.65); line-height: 1.55;
  border-top: 1px solid rgba(255,255,255,.1); padding-top: 1.25rem; margin-top: 1.5rem;
}
.footer-bottom { background: rgba(0,0,0,.25); padding: 1rem 0; }
.footer-bottom__inner { max-width: var(--container); margin: 0 auto; padding: 0 24px; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: center; font-size: .85rem; color: rgba(255,255,255,.7); }
.footer-bottom__credit a { color: #fff; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.footer-bottom__legal { display: flex; flex-wrap: wrap; gap: 1rem; }

/* ---------- Blog ---------- */
.blog-list { display: grid; gap: 1.25rem; }
.blog-list__filters { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.5rem; }
.blog-list__filters .tag { background: #fff; border: 1px solid var(--c-border); padding: .4rem .9rem; border-radius: 999px; font-size: .85rem; cursor: pointer; color: var(--c-navy); font-weight: 600; }
.blog-list__filters .tag.is-active { background: var(--c-navy); color: #fff; border-color: var(--c-navy); }
.blog-list__grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 720px) { .blog-list__grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .blog-list__grid { grid-template-columns: repeat(3, 1fr); } }
.blog-list__pagination { display: flex; gap: .5rem; justify-content: center; margin-top: 2rem; }
.blog-list__pagination button {
  background: #fff; border: 1px solid var(--c-border); padding: .5rem .9rem; border-radius: 8px; cursor: pointer; color: var(--c-navy); font-weight: 600;
}
.blog-list__pagination button[disabled] { opacity: .5; cursor: not-allowed; }

.blog-post { padding: clamp(40px, 6vw, 72px) 0; }
.blog-post .container { max-width: 880px; }
.blog-post__meta { color: var(--c-text-muted); font-size: .9rem; margin-bottom: 1rem; display: flex; gap: 1rem; flex-wrap: wrap; }
.blog-post__hero-img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; border-radius: var(--radius); margin-bottom: 2rem; }
.blog-post__body p { font-size: 1.05rem; line-height: 1.75; }
.blog-post__body h2 { margin-top: 2rem; }
.blog-post__body h3 { margin-top: 1.5rem; }
.blog-post__body ul, .blog-post__body ol { line-height: 1.75; }
.blog-post__related { padding: clamp(40px, 6vw, 72px) 0; background: var(--c-off); }
.announcement-source-box {
  background: var(--c-off);
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
  margin-top: 2rem;
  padding: 1.25rem;
}
.announcement-source-box p:last-child {
  margin-bottom: 0;
}

/* ---------- Safety nets ---------- */
.hero *, .section-navy * { color: #fff; }
.hero h1, .hero h2, .hero h3, .section-navy h1, .section-navy h2, .section-navy h3 { color: #fff; }
.hero a.btn, .section-navy a.btn { color: inherit; }
.hero a.btn--primary { color: #fff; }
.hero a.btn--outline-white { color: #fff; }

/* mobile body lock */
body.no-scroll { overflow: hidden; }