/* ==========================================================================
   PREMIUM DESIGN SYSTEM (BEHANCE TOP 1% UI/UX)
   ========================================================================== */

:root {
    --primary-blue: #0A3056;       
    --accent-orange: #F15A24;      
    --accent-orange-light: #FF9A5C;
    --accent-orange-mid: #F15A24;
    --accent-orange-dark: #D74614;
    --accent-orange-deep: #A8320E;
    --accent-blue: #91B0BF;
    --orange-gradient-3d: linear-gradient(180deg, rgba(255, 255, 255, 0.30), rgba(255, 255, 255, 0) 40%), linear-gradient(135deg, var(--accent-orange-light) 0%, var(--accent-orange-mid) 46%, var(--accent-orange-dark) 100%);
    --orange-gradient-3d-hover: linear-gradient(180deg, rgba(255, 255, 255, 0.18), rgba(255, 255, 255, 0) 42%), linear-gradient(135deg, var(--accent-orange-mid) 0%, var(--accent-orange-dark) 58%, var(--accent-orange-deep) 100%);
    --soft-orange: rgba(241, 90, 36, 0.08);
    --soft-blue: rgba(145, 176, 191, 0.16);
    --dark-bg: #041424;            
    --navy-footer: #1A1446;
    --neutral: #f8fafc;
    --text-dark: #0f172a;
    --text-secondary: #475569;
    --nav-glass-opacity: 0.35;
    --hero-title-standard: clamp(2.08rem, 4.4vw, 4.2rem);
    --hero-title-feature: clamp(2.4rem, 5.6vw, 5.28rem);
    --hero-title-about: clamp(2.56rem, 5.6vw, 5.88rem);
    --subpage-hero-min-height: 620px;
    --subpage-hero-padding: 150px 0 70px;
    --subpage-hero-min-height-tablet: 560px;
    --subpage-hero-padding-tablet: 138px 0 64px;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--text-dark);
    background-color: var(--neutral);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

#contact-details,
#quote-form {
    scroll-margin-top: 120px;
}

@media (max-width: 767.98px) {
    #contact-details,
    #quote-form {
        scroll-margin-top: 76px;
    }
}

/* Premium Typography */
h1, h2, h3, h4, h5, h6 { font-weight: 700; letter-spacing: -0.02em; }
.tracking-wide { letter-spacing: 0.05em; }
.tracking-tight { letter-spacing: -0.03em; }
.leading-relaxed { line-height: 1.7; }
.commercial-hero-copy h1,
.service-hero h1,
.skyline-hero h1,
.about-hero-copy h1,
.product-hero h1 {
    max-width: min(980px, 92vw);
    max-height: 2lh;
    overflow: hidden;
    text-wrap: balance;
}
.text-primary { color: var(--primary-blue) !important; }
.text-orange { color: var(--accent-orange) !important; }
.text-secondary { color: var(--text-secondary) !important; }
.text-warning { color: var(--accent-orange) !important; }
.bg-orange { background-color: var(--accent-orange) !important; }
.bg-dark-blue { background-color: var(--dark-bg) !important; }
.utility-bar.bg-dark-blue {
    background-color: var(--dark-bg) !important;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
}

.utility-bar {
    max-height: 72px;
    overflow: hidden;
    transition: max-height 0.24s ease, opacity 0.18s ease, padding 0.24s ease;
}

body.utility-bar-hidden .utility-bar {
    display: none !important;
    max-height: 0;
    padding-top: 0 !important;
    opacity: 0;
    pointer-events: none;
}
.bg-navy-footer {
    background:
        radial-gradient(circle at 12% 20%, rgba(241, 90, 36, 0.16), transparent 32%),
        radial-gradient(circle at 86% 18%, rgba(80, 138, 255, 0.18), transparent 34%),
        linear-gradient(135deg, #041424 0%, #0A3056 48%, #1A1446 100%) !important;
    border-top: 2.5px solid #D4AF37;
}
.bg-neutral { background-color: var(--neutral) !important; }

/* UTILITY BAR */
.custom-premium-tabs .nav-link {
    color: rgba(255, 255, 255, 0.6);
    border: none;
    border-radius: 8px 8px 0 0;
    padding: 10px 30px;
    font-weight: 600;
    font-size: 0.9rem;
    letter-spacing: 0.02em;
    transition: all 0.3s ease;
}
.custom-premium-tabs .nav-link:hover { color: #ffffff; }
.custom-premium-tabs .nav-link.active {
    background-color: var(--accent-orange);
    backdrop-filter: none;
    color: #ffffff;
}

/* GLASSMORPHISM NAVBAR */
.glass-nav {
    background-color: rgba(255, 255, 255, var(--nav-glass-opacity)) !important;
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.28);
    box-shadow: 0 8px 22px rgba(0, 0, 0, 0.03);
}
.glass-nav .nav-link {
    color: var(--text-dark);
    transition: color 0.2s ease;
}
.glass-nav .nav-link:hover,
.glass-nav .nav-item.menu-open > .nav-menu-toggle { color: var(--accent-orange); }

.nav-menu-toggle {
    background: transparent;
    border: 0;
}

.menu-chevron {
    font-size: 0.72rem;
    transition: transform 0.2s ease;
}

.nav-item.menu-open .menu-chevron {
    transform: rotate(180deg);
}

.has-mega-menu,
.has-submenu {
    position: relative;
}

.mega-menu-panel {
    position: fixed;
    left: 50%;
    top: 106px;
    transform: translateX(-50%) translateY(12px);
    width: min(1180px, calc(100vw - 34px));
    background: rgba(255, 255, 255, 0.97);
    border: 1px solid rgba(10, 48, 86, 0.08);
    border-radius: 24px;
    box-shadow: 0 30px 80px rgba(4, 20, 36, 0.2);
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: all 0.22s ease;
    z-index: 1045;
}

body.utility-bar-hidden .mega-menu-panel {
    top: 68px;
}

.has-mega-menu.menu-open .mega-menu-panel {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateX(-50%) translateY(0);
}

@media (min-width: 992px) {
    .has-mega-menu:hover > .mega-menu-panel,
    .has-mega-menu:focus-within > .mega-menu-panel {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        transform: translateX(-50%) translateY(0);
    }
}

.mega-menu-inner {
    display: grid;
    grid-template-columns: 310px 1fr;
    gap: 24px;
}

.mega-menu-feature {
    min-height: 100%;
    border-radius: 20px;
    padding: 26px;
    color: #ffffff;
    background: linear-gradient(135deg, var(--primary-blue), #06192d 70%, #0f4f81);
}

.mega-eyebrow {
    display: inline-flex;
    color: var(--accent-blue);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.09em;
    text-transform: uppercase;
}

.mega-menu-feature h3 {
    margin: 14px 0 12px;
    font-size: 1.65rem;
    line-height: 1.1;
}

.mega-menu-feature p {
    color: rgba(255, 255, 255, 0.86);
    line-height: 1.6;
}

.mega-quote-btn {
    margin-top: 10px;
    background: var(--orange-gradient-3d);
    color: #ffffff;
    border: 0;
    border-radius: 999px;
    font-weight: 800;
    padding: 12px 20px;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.36), 0 12px 24px rgba(241, 90, 36, 0.24);
}

.mega-quote-btn:hover {
    background: var(--orange-gradient-3d-hover);
    color: #ffffff;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22), 0 16px 30px rgba(241, 90, 36, 0.32);
}

.mega-category-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
}

.mega-category {
    border: 1px solid #e6edf6;
    border-radius: 18px;
    padding: 16px;
    background: #ffffff;
}

.mega-category-title {
    display: inline-flex;
    margin-bottom: 12px;
    color: var(--primary-blue);
    font-size: 1rem;
    font-weight: 800;
    cursor: default;
    text-decoration: none;
}

.mega-category a:not(.mega-category-title),
.standard-submenu a {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-dark);
    text-decoration: none;
    font-weight: 700;
}

.mega-category a:not(.mega-category-title) {
    padding: 10px;
    border-radius: 12px;
    font-size: 0.9rem;
}

.mega-category a:not(.mega-category-title):hover,
.standard-submenu a:hover {
    background: var(--soft-blue);
    color: var(--primary-blue);
}

.mega-category i,
.standard-submenu i {
    width: 32px;
    height: 32px;
    border-radius: 10px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--soft-orange);
    color: var(--accent-orange);
    font-size: 0.95rem;
    flex: 0 0 auto;
}

.standard-submenu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 245px;
    margin: 0;
    padding: 10px;
    list-style: none;
    background: #ffffff;
    border: 1px solid #e6edf6;
    border-radius: 18px;
    box-shadow: 0 22px 50px rgba(4, 20, 36, 0.14);
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition: all 0.2s ease;
    z-index: 1046;
}

.standard-submenu-wide {
    min-width: 275px;
}

.has-submenu.menu-open .standard-submenu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.standard-submenu a {
    padding: 12px 14px;
    border-radius: 12px;
}

/* PREMIUM BUTTONS */
.btn { transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }

.btn-primary,
.btn-orange {
    background: var(--orange-gradient-3d);
    border-color: transparent;
    color: #ffffff;
    font-weight: 800;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.36), 0 12px 24px rgba(241, 90, 36, 0.24);
}
.btn-primary:hover,
.btn-orange:hover {
    background: var(--orange-gradient-3d-hover);
    border-color: transparent;
    color: #ffffff;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22), 0 16px 30px rgba(241, 90, 36, 0.32);
}

.premium-hover:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 25px -10px rgba(0,0,0,0.3) !important;
}

/* CENTERED 720P VIDEO HERO */
.hero-section {
    height: 100vh;
    width: 100vw;
    position: relative;
    background: #ffffff !important;
    overflow: hidden;
    margin-top: 0;
}

.video-background-container {
    position: absolute;
    inset: 0;
    z-index: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #ffffff;
    padding: clamp(96px, 12vh, 132px) clamp(18px, 4vw, 56px) clamp(54px, 8vh, 92px);
    overflow: hidden;
    pointer-events: none;
}

.hero-video-stage {
    position: relative;
    width: min(1280px, calc(100vw - 72px));
    aspect-ratio: 16 / 9;
    overflow: hidden;
    background: #ffffff;
}

.hero-video-stage iframe,
.hero-video-poster,
.hero-video-loader {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
}

.hero-video-stage iframe {
    z-index: 1;
}

.hero-video-poster {
    z-index: 2;
    object-fit: contain;
    background: #ffffff;
    opacity: 1;
    transition: opacity 0.85s ease, visibility 0.85s ease;
}

.hero-video-loader {
    z-index: 3;
    display: grid;
    place-items: center;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.14), transparent 34%);
    opacity: 1;
    transition: opacity 0.45s ease, visibility 0.45s ease;
    pointer-events: none;
}

.hero-video-loader::after {
    content: "";
    width: 42px;
    height: 42px;
    border: 4px solid rgba(10, 48, 86, 0.18);
    border-top-color: var(--accent-orange);
    border-radius: 50%;
    animation: heroLoaderSpin 0.85s linear infinite;
}

.hero-section.is-video-loaded .hero-video-poster,
.hero-section.is-video-loaded .hero-video-loader {
    opacity: 0;
    visibility: hidden;
}

@keyframes heroLoaderSpin {
    to { transform: rotate(360deg); }
}

/* RESPONSIVE EXACT PLACEMENT HERO WIDGET */
.hero-glass-panel-wrapper {
    position: absolute;
    right: 25px;
    top: 55%; 
    transform: translateY(-50%);
    width: 380px;
    max-width: calc(100vw - 50px);
    z-index: 10;
}

/* 10% Opacity Dropdown Background - UPDATED HERE */
.bg-glass-65 {
    background-color: rgba(255, 255, 255, 0.82) !important;
    backdrop-filter: blur(6px); 
    -webkit-backdrop-filter: blur(6px);
}

.hero-glass-panel-wrapper .working-form-cta-compact h2 {
    color: var(--primary-blue);
    text-shadow: none;
}

.hero-glass-panel-wrapper .working-form-cta-compact p {
    color: var(--text-secondary);
    text-shadow: none;
}

.hero-rating {
    color: var(--primary-blue);
}

.hero-rating-stars {
    background: linear-gradient(180deg, #fff6b8 0%, #ffd75a 28%, #d99a12 62%, #9f6504 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    filter: none;
    -webkit-text-stroke: 0.7px #000000;
    text-shadow: none;
}

.hero-rating-text {
    color: var(--primary-blue);
    font-size: 0.9rem;
    text-shadow: none;
}

.hero-rating-text a {
    color: inherit;
    text-decoration-color: currentColor;
}

.hero-rating-text a:hover,
.hero-rating-text a:focus-visible {
    color: var(--accent-orange);
}

.hero-rating-rule {
    width: 40px;
    height: 3px;
    background: linear-gradient(90deg, var(--primary-blue), var(--accent-orange));
}

/* ==========================================================
   MOBILE HERO OVERRIDES
   ========================================================== */
@media (max-width: 768px) {
    .hero-section {
        --mobile-nav-clearance: var(--site-nav-height, 56px);
        --mobile-video-height: clamp(218px, 60vw, 330px);
        --mobile-video-gap: 10px;
        height: auto !important;
        min-height: calc(var(--mobile-nav-clearance) + var(--mobile-video-height) + 225px);
        padding-top: 0;
        background: linear-gradient(180deg, #ffffff 0%, #f6f9fc 58%, #eef4f8 100%) !important;
    }

    .video-background-container {
        inset: calc(var(--mobile-nav-clearance) + var(--mobile-video-gap)) 0 auto;
        height: var(--mobile-video-height);
        align-items: flex-start;
        justify-content: center;
        padding: 0;
        background: #ffffff;
    }

    .hero-video-stage {
        width: 100vw;
        height: 100%;
        aspect-ratio: auto;
        border-radius: 0;
    }

    .hero-video-stage iframe,
    .hero-video-poster {
        object-fit: cover;
    }

    .hero-glass-panel-wrapper {
        right: auto;
        left: 50%;
        top: calc(var(--mobile-nav-clearance) + var(--mobile-video-gap) + var(--mobile-video-height) + 14px);
        bottom: auto;
        transform: translateX(-50%);
        width: calc(100vw - 32px);
        max-width: 340px;
    }

    .hero-glass-panel-wrapper .quote-trigger-box {
        padding: 12px !important;
        margin-bottom: 10px !important;
        border-radius: 18px !important;
    }
    
    .hero-glass-panel-wrapper .form-select {
        padding: 8px 12px !important;
        font-size: 0.9rem !important;
    }

    .hero-glass-panel-wrapper .working-form-cta-compact h2 {
        font-size: 1rem;
        margin-bottom: 6px !important;
    }

    .hero-glass-panel-wrapper .working-form-cta-compact p {
        margin-bottom: 10px !important;
    }

    .hero-rating {
        transform: translateY(-2px);
    }

    .hero-rating-text {
        font-size: 0.78rem;
    }

    .hero-section + .py-5 {
        padding-top: 1.75rem !important;
    }

    .hero-section + .py-5 .container {
        padding-top: 1rem !important;
    }

}

@media (max-height: 860px) and (min-width: 769px) {
    .video-background-container {
        padding-top: 92px;
        padding-bottom: 42px;
    }

    .hero-video-stage {
        width: min(1120px, calc(100vw - 56px));
    }
}

@media (max-width: 991.98px) {
    .glass-nav {
        background-color: rgba(255, 255, 255, var(--nav-glass-opacity)) !important;
    }

    .glass-nav .navbar-collapse {
        margin-top: 12px;
        padding: 12px;
        border-radius: 18px;
        background: rgba(255, 255, 255, 0.94);
        box-shadow: 0 18px 40px rgba(4, 20, 36, 0.12);
    }

    .assurance-main-menu {
        align-items: stretch !important;
    }

    .nav-menu-toggle {
        width: 100%;
        display: flex;
        justify-content: space-between;
        align-items: center;
    }

    .mega-menu-panel,
    .standard-submenu {
        position: static;
        width: 100%;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        display: none;
        transform: none;
        box-shadow: none;
        margin: 8px 0;
    }

    .nav-item.menu-open > .mega-menu-panel,
    .nav-item.menu-open > .standard-submenu {
        display: block;
    }

    .mega-menu-panel {
        padding: 14px;
    }

    .mega-menu-inner,
    .mega-category-grid {
        grid-template-columns: 1fr;
    }

    .mega-menu-feature {
        padding: 22px;
    }
}

/* Site-wide button depth comes from layered gradients, never outlines/shadows. */
.btn {
    border-color: transparent !important;
    box-shadow: none !important;
}

.btn-primary,
.btn-orange,
.mega-quote-btn {
    color: #ffffff;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%);
}

.btn-gold {
    color: #ffffff;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.26), transparent 42%),
        linear-gradient(135deg, #ff9a5c 0%, #f15a24 54%, #d74614 100%);
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold {
    color: #ffffff;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.22), transparent 42%),
        linear-gradient(135deg, #23618f 0%, #0a3056 55%, #061f38 100%);
}

.btn-outline-light {
    color: #ffffff;
    border-color: transparent !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.2), transparent 44%),
        linear-gradient(135deg, rgba(255,255,255,0.2), rgba(255,255,255,0.08));
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
}

.btn-outline-primary {
    color: var(--primary-blue);
    border-color: transparent !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.5), transparent 44%),
        linear-gradient(135deg, rgba(145,176,191,0.3), rgba(145,176,191,0.13));
}

.btn:hover,
.btn:focus-visible {
    border-color: transparent !important;
    box-shadow: none !important;
    filter: brightness(1.06) saturate(1.03);
}

.btn:active {
    border-color: transparent !important;
    box-shadow: none !important;
    filter: brightness(0.94);
}

/* CARDS, BORDERS & SHADOWS */
.premium-shadow { box-shadow: 0 20px 40px -15px rgba(0, 0, 0, 0.05); }
.premium-shadow-lg { box-shadow: 0 30px 60px -15px rgba(0, 0, 0, 0.15); }

.border-blue { border-top: 6px solid var(--primary-blue) !important; }
.border-orange { border-top: 6px solid var(--accent-orange) !important; }

.transition-up {
    transition: transform 0.4s cubic-bezier(0.165, 0.84, 0.44, 1), box-shadow 0.4s ease;
}
.transition-up:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 60px -15px rgba(0, 0, 0, 0.1) !important;
}

.icon-shape {
    width: 70px; height: 70px;
    display: flex; align-items: center; justify-content: center;
    border-radius: 20px;
}
.bg-soft-primary { background-color: var(--soft-blue); }
.bg-soft-orange { background-color: var(--soft-orange); }

.icon-shape {
    color: var(--accent-orange) !important;
    background-color: var(--soft-orange) !important;
}

.icon-link-hover,
.icon-link-hover i {
    color: var(--accent-orange) !important;
}

.min-h-400 { min-height: 400px; }
.icon-link-hover i { transition: transform 0.2s ease; }
.icon-link-hover:hover i { transform: translateX(5px); }

/* REFINED "TAKE ACTION TODAY" SECTION */
.action-section-bg {
    background:
        radial-gradient(circle at 16% 18%, rgba(255, 255, 255, 0.16), transparent 30%),
        linear-gradient(135deg, #1A1446 0%, #26216c 44%, #5DA23B 100%);
}
.action-card {
    border: 1px solid rgba(255,255,255,0.8);
}
.premium-input {
    border-radius: 12px;
    padding: 1rem 1.25rem;
    font-weight: 500;
    transition: all 0.3s ease;
}
.premium-input:focus {
    box-shadow: 0 0 0 4px rgba(241, 90, 36, 0.15) !important;
    background-color: #ffffff !important;
    border-color: var(--accent-orange) !important;
}

/* ==========================================================================
   COMMERCIAL AUTO PAGE
   ========================================================================== */

.commercial-page {
    background: #ffffff;
}

.commercial-hero {
    position: relative;
    min-height: 760px;
    padding: 180px 0 100px;
    overflow: hidden;
    background: var(--primary-blue);
}

.commercial-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(100deg, rgba(181, 58, 15, 0.95) 0%, rgba(241, 90, 36, 0.82) 34%, rgba(10, 48, 86, 0.28) 58%, rgba(4, 20, 36, 0.08) 100%),
        var(--commercial-hero-img);
    background-size: cover;
    background-position: center right;
    transform: scale(1.02);
}

.commercial-hero::after {
    content: "";
    position: absolute;
    inset: auto 0 0;
    height: 160px;
    background: linear-gradient(180deg, transparent, #ffffff);
}

.commercial-hero .container {
    position: relative;
    z-index: 2;
}

.commercial-hero-copy {
    max-width: min(980px, 90vw);
    color: #ffffff;
}

.commercial-hero-copy h1 {
    font-size: var(--hero-title-feature);
    line-height: 0.95;
    letter-spacing: -0.06em;
    text-transform: uppercase;
}

.commercial-hero-copy p {
    max-width: 640px;
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.15rem;
    line-height: 1.7;
}

.commercial-hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-top: 30px;
}

.btn-gold {
    background: var(--orange-gradient-3d);
    border: 0;
    color: #ffffff;
    font-weight: 800;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.36), 0 12px 24px rgba(241, 90, 36, 0.24);
}

.btn-gold:hover {
    background: var(--orange-gradient-3d-hover);
    color: #ffffff;
    transform: translateY(-3px);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22), 0 16px 30px rgba(241, 90, 36, 0.32);
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold {
    background: linear-gradient(135deg, var(--primary-blue), #1A1446);
    color: #ffffff;
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold:hover {
    background: linear-gradient(135deg, #06192d, #100b32);
    color: #ffffff;
}

.commercial-page:not(.personal-page) .commercial-hero .btn-outline-light {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.82);
    color: #ffffff;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.commercial-page:not(.personal-page) .commercial-hero .btn-outline-light:hover {
    background: #ffffff;
    border-color: #ffffff;
    color: var(--primary-blue);
    transform: translateY(-3px);
}

.commercial-hero-card {
    background: rgba(255, 255, 255, 0.96);
    border: 1px solid rgba(255, 255, 255, 0.72);
    border-radius: 28px;
    padding: 28px;
    box-shadow: 0 30px 70px rgba(0, 0, 0, 0.28);
}

.commercial-hero-card h2,
.commercial-card h3,
.coverage-panel-card h3,
.quote-panel h2 {
    color: var(--primary-blue);
}

.proof-list {
    display: grid;
    gap: 14px;
    margin: 22px 0 0;
    padding: 0;
    list-style: none;
}

.proof-list li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    color: var(--text-secondary);
    font-weight: 700;
}

.proof-list i {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--soft-orange);
    color: var(--accent-orange);
    flex: 0 0 auto;
}

.commercial-overlap {
    position: relative;
    z-index: 3;
    margin-top: -72px;
}

.commercial-stat-strip {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1px;
    overflow: hidden;
    border-radius: 26px;
    box-shadow: 0 24px 60px rgba(15, 23, 42, 0.12);
    background: #dbe3ee;
}

.commercial-stat {
    padding: 26px;
    background: #ffffff;
}

.commercial-stat strong {
    display: block;
    color: var(--accent-orange);
    font-size: 1.6rem;
    line-height: 1;
}

.commercial-stat span {
    display: block;
    margin-top: 8px;
    color: var(--text-secondary);
    font-weight: 700;
    font-size: 0.92rem;
}

.section-subtitle {
    color: var(--accent-blue) !important;
}

.commercial-section {
    padding: 90px 0;
}

.section-kicker {
    display: inline-flex;
    margin-bottom: 14px;
    color: var(--accent-blue);
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.commercial-card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.commercial-card,
.coverage-panel-card {
    height: 100%;
    padding: 26px;
    border: 1px solid #e6edf6;
    border-radius: 24px;
    background: #ffffff;
    box-shadow: 0 18px 44px rgba(15, 23, 42, 0.07);
    transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.commercial-card:hover,
.coverage-panel-card:hover {
    transform: translateY(-6px);
    border-color: rgba(241, 90, 36, 0.32);
    box-shadow: 0 25px 65px rgba(15, 23, 42, 0.12);
}

.commercial-card i,
.coverage-panel-card i {
    width: 56px;
    height: 56px;
    border-radius: 17px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    color: var(--accent-orange);
    background: var(--soft-orange);
    font-size: 1.35rem;
}

.personal-card-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.coverage-band {
    background:
        radial-gradient(circle at 88% 12%, rgba(145, 176, 191, 0.24), transparent 32%),
        linear-gradient(180deg, #f8fafc, #ffffff);
}

.coverage-panel-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.commercial-industry-grid,
.commercial-support-grid {
    display: grid;
    gap: 14px;
}

.commercial-industry-grid {
    grid-template-columns: repeat(6, minmax(0, 1fr));
}

.commercial-support-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.commercial-industry-grid div,
.commercial-support-grid div {
    display: flex;
    align-items: center;
    gap: 12px;
    min-height: 72px;
    padding: 16px;
    border: 1px solid #e6edf6;
    border-radius: 14px;
    background: #ffffff;
    color: var(--text-dark);
    font-weight: 750;
    box-shadow: 0 14px 34px rgba(15, 23, 42, 0.06);
}

.commercial-industry-grid i,
.commercial-support-grid i {
    width: 36px;
    height: 36px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    color: var(--accent-orange);
    background: var(--soft-orange);
    flex: 0 0 auto;
}

.commercial-faq-section {
    background: #ffffff;
}

.commercial-faq-accordion {
    display: grid;
    gap: 14px;
}

.commercial-faq-accordion .accordion-item {
    overflow: hidden;
    border: 1px solid #e6edf6;
    border-radius: 16px;
    background: #ffffff;
    box-shadow: 0 16px 38px rgba(15, 23, 42, 0.065);
}

.commercial-faq-accordion .accordion-button {
    color: var(--primary-blue);
    background: #ffffff;
    font-weight: 850;
    box-shadow: none;
}

.commercial-faq-accordion .accordion-button:not(.collapsed) {
    background: linear-gradient(180deg, #ffffff, #f8fafc);
}

.commercial-faq-accordion .accordion-body {
    color: var(--text-secondary);
    line-height: 1.7;
}

.commercial-image-panel {
    min-height: 560px;
    border-radius: 32px;
    overflow: hidden;
    background-image:
        linear-gradient(180deg, transparent, rgba(4, 20, 36, 0.7)),
        url("images/truck_hero1.jpg");
    background-size: cover;
    background-position: center;
    box-shadow: 0 28px 70px rgba(15, 23, 42, 0.2);
}

.commercial-auto-page .commercial-image-panel {
    background-image:
        linear-gradient(180deg, transparent, rgba(4, 20, 36, 0.7)),
        url("images/commercial auto 2.jpg");
}

.quote-panel {
    border-radius: 34px;
    padding: 42px;
    color: #ffffff;
    background:
        radial-gradient(circle at 88% 16%, rgba(212, 175, 55, 0.18), transparent 34%),
        linear-gradient(135deg, #1A1446, #0A3056 56%, #5DA23B);
}

.quote-panel h2,
.quote-panel p {
    color: #ffffff;
}

.quote-panel .premium-input {
    background: rgba(255, 255, 255, 0.94) !important;
}

.personal-page .commercial-hero::before {
    z-index: 1;
    background:
        linear-gradient(100deg, rgba(4, 20, 36, 0.94) 0%, rgba(10, 48, 86, 0.82) 42%, rgba(26, 20, 70, 0.36) 68%, rgba(241, 90, 36, 0.28) 100%);
    background-size: cover;
    background-position: center;
}

.personal-page .commercial-hero::after {
    z-index: 1;
    height: 260px;
    background: linear-gradient(180deg, transparent 0%, rgba(248, 250, 252, 0.72) 58%, #f8fafc 100%);
}

.personal-page .coverage-band {
    margin-top: -1px;
    background:
        radial-gradient(circle at 88% 12%, rgba(145, 176, 191, 0.24), transparent 32%),
        linear-gradient(180deg, #f8fafc 0%, #ffffff 72%);
}

.personal-hero-fade,
.personal-hero-fade span {
    position: absolute;
    inset: 0;
}

.personal-hero-fade {
    z-index: 0;
    overflow: hidden;
}

.personal-hero-fade span {
    background-image: var(--slide-image);
    background-size: cover;
    background-position: center right;
    opacity: 0;
    animation: personalHeroFade 24s infinite;
}

.personal-hero-fade span:first-child {
    background-position: right calc(50% - 30px);
}

.personal-hero-fade span:nth-child(2) {
    animation-delay: 6s;
}

.personal-hero-fade span:nth-child(3) {
    animation-delay: 12s;
}

.personal-hero-fade span:nth-child(4) {
    animation-delay: 18s;
}

@keyframes personalHeroFade {
    0% { opacity: 0; transform: scale(1.01); }
    7% { opacity: 1; }
    25% { opacity: 1; }
    34% { opacity: 0; transform: scale(1.045); }
    100% { opacity: 0; transform: scale(1.045); }
}

.personal-fade-section {
    animation: personalSectionFade 0.8s ease both;
}

.personal-fade-section:nth-of-type(3) {
    animation-delay: 0.14s;
}

@keyframes personalSectionFade {
    from {
        opacity: 0;
        transform: translateY(22px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.personal-page .commercial-image-panel {
    background-image:
        url("images/condo_hero.png");
    background-position: right center;
}

@media (min-width: 992px) {
    .commercial-page:not(.personal-page) .commercial-hero::before {
        background-position: center, calc(100% + 200px) center;
    }
}

@media (max-width: 991.98px) {
    .commercial-hero {
        min-height: auto;
        padding: 150px 0 86px;
    }

    .commercial-hero-card {
        margin-top: 36px;
    }

    .commercial-stat-strip,
    .commercial-card-grid,
    .coverage-panel-grid,
    .commercial-industry-grid,
    .commercial-support-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .commercial-image-panel {
        min-height: 360px;
    }

    .personal-page .commercial-hero::before {
        background-position: center center;
    }

    .personal-page .commercial-image-panel {
        background-position: right center;
    }
}

@media (prefers-reduced-motion: reduce) {
    .personal-hero-fade span,
    .personal-fade-section {
        animation: none;
    }

    .personal-hero-fade span:first-child,
    .personal-fade-section {
        opacity: 1;
        transform: none;
    }
}

@media (max-width: 575.98px) {
    .commercial-hero-copy h1 {
        font-size: var(--hero-title-feature);
    }

    .commercial-hero-actions .btn {
        width: 100%;
    }

    .commercial-stat-strip,
    .commercial-card-grid,
    .coverage-panel-grid,
    .commercial-industry-grid,
    .commercial-support-grid {
        grid-template-columns: 1fr;
    }

    .quote-panel {
        padding: 28px;
        border-radius: 26px;
    }
}

/* ==========================================================================
   SERVICE PAGES
   ========================================================================== */

.service-page {
    background: #ffffff;
}

.service-hero,
.skyline-hero,
.product-hero {
    min-height: var(--subpage-hero-min-height);
    display: flex;
    align-items: center;
    padding: var(--subpage-hero-padding);
}

.service-hero {
    position: relative;
    color: #ffffff;
    overflow: hidden;
    background:
        radial-gradient(circle at 82% 14%, rgba(145, 176, 191, 0.34), transparent 28%),
        linear-gradient(135deg, #041424 0%, #0A3056 48%, #1A1446 100%);
}

.service-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 12% 30%, rgba(241, 90, 36, 0.22), transparent 34%),
        repeating-linear-gradient(135deg, rgba(255,255,255,0.07) 0 1px, transparent 1px 30px);
    opacity: 0.72;
}

.static-service-hero {
    background: var(--service-hero-image) center / cover no-repeat;
}

.static-service-hero::before {
    background: linear-gradient(90deg, rgba(10, 48, 86, 0.96) 0%, rgba(10, 48, 86, 0.78) 34%, rgba(10, 48, 86, 0.24) 58%, transparent 78%);
    opacity: 1;
}

.service-hero .container {
    position: relative;
    z-index: 2;
}

.service-hero h1 {
    font-size: var(--hero-title-standard);
    line-height: 0.98;
    letter-spacing: -0.055em;
    text-transform: uppercase;
}

.service-hero p {
    max-width: 650px;
    color: rgba(255,255,255,0.88);
    font-size: 1.12rem;
    line-height: 1.7;
}

.service-hero-icon {
    width: min(260px, 70vw);
    aspect-ratio: 1;
    display: grid;
    place-items: center;
    margin-left: auto;
    border-radius: 32px;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.22), rgba(255,255,255,0.04)),
        rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.22);
    box-shadow: 0 30px 75px rgba(0,0,0,0.24);
}

.service-hero-icon i {
    font-size: clamp(4rem, 10vw, 6.8rem);
    color: var(--accent-orange);
}

.service-section {
    padding: 78px 0;
}

.service-option-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.payment-carrier-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

@media (max-width: 991.98px) {
    .payment-carrier-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 575.98px) {
    .payment-carrier-grid {
        grid-template-columns: 1fr;
    }
}

.service-option-card {
    height: 100%;
    padding: 28px;
    border: 1px solid #e6edf6;
    border-radius: 24px;
    background: #ffffff;
    box-shadow: 0 16px 38px rgba(15, 23, 42, 0.07);
}

.service-option-card i {
    width: 52px;
    height: 52px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    border-radius: 16px;
    background: var(--soft-orange);
    color: var(--accent-orange);
    font-size: 1.25rem;
}

.carrier-logo-frame {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 132px;
    height: 92px;
    margin-bottom: 20px;
    border: 1px solid #e6edf6;
    border-radius: 16px;
    background: #ffffff;
}

.carrier-logo-frame img {
    display: block;
    max-width: 110px;
    max-height: 72px;
    width: auto;
    height: auto;
    object-fit: contain;
}

.service-form-panel {
    border-radius: 30px;
    padding: 34px;
    color: #ffffff;
    background:
        radial-gradient(circle at 88% 12%, rgba(145, 176, 191, 0.22), transparent 34%),
        linear-gradient(135deg, #1A1446, #0A3056);
}

.service-form-panel h2,
.service-form-panel p {
    color: #ffffff;
}

.service-form-panel .premium-input {
    background: rgba(255,255,255,0.96) !important;
}

.service-form-panel .btn-primary {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

.service-form-panel .btn-primary:hover,
.service-form-panel .btn-primary:focus-visible,
.service-form-panel .btn-primary:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #f15a24 0%, #d74614 58%, #b7350f 100%) !important;
}

/* Contact quote embed: keep the host panel continuous with the white widget. */
.contact-quote-panel {
    color: var(--text-dark);
    background: transparent;
    border: 0;
    box-shadow: none;
    padding: 0;
}

.contact-quote-panel h2 {
    color: var(--primary-blue);
}

.contact-quote-panel p {
    color: var(--text-secondary);
}

.contact-quote-panel .section-kicker {
    color: var(--accent-orange);
}

.contact-quote-panel iframe {
    display: block;
    width: 100%;
    min-height: 980px;
    border: 0;
    background: #ffffff;
}

@media (max-width: 991.98px) {
    .contact-quote-panel iframe {
        min-height: 1060px;
    }
}

@media (max-width: 575.98px) {
    .contact-quote-panel iframe {
        min-height: 1580px;
    }
}

/* Shared handoff banner used wherever the site previously showed a dead form. */
.working-form-cta {
    padding: clamp(22px, 4vw, 38px);
    border: 1px solid #e6edf6;
    border-radius: 22px;
    background: #ffffff;
}

.working-form-cta-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    margin-bottom: 18px;
    border-radius: 16px;
    color: var(--accent-orange);
    background: var(--soft-orange);
    font-size: 1.35rem;
}

.working-form-cta-on-dark {
    color: #ffffff;
    border-color: rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.1);
}

.working-form-cta-on-dark h2,
.working-form-cta-on-dark h3,
.working-form-cta-on-dark p {
    color: #ffffff;
}

.working-form-cta-compact {
    padding: 8px;
    border: 0;
    background: transparent;
}

.working-form-cta-compact h2,
.working-form-cta-compact p {
    color: #ffffff;
    text-shadow: 0 2px 8px rgba(0, 0, 0, 0.55);
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.testimonial-card {
    height: 100%;
    padding: 28px;
    border: 1px solid #e6edf6;
    border-radius: 24px;
    background: #ffffff;
    box-shadow: 0 16px 38px rgba(15, 23, 42, 0.07);
}

.testimonial-stars {
    display: flex;
    gap: 4px;
    margin-bottom: 16px;
    color: var(--accent-orange);
}

.testimonial-card blockquote {
    margin: 0 0 18px;
    color: var(--text-secondary);
    line-height: 1.7;
}

.testimonial-card cite {
    color: var(--primary-blue);
    font-style: normal;
    font-weight: 800;
}

.testimonial-card[hidden] {
    display: none;
}

.testimonial-pagination {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-top: 30px;
}

.testimonial-arrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border: 0;
    border-radius: 50%;
    color: #ffffff;
    background: var(--primary-blue);
    transition: filter 0.2s ease, opacity 0.2s ease;
}

.testimonial-arrow:hover:not(:disabled),
.testimonial-arrow:focus-visible:not(:disabled) {
    filter: brightness(1.15);
}

.testimonial-arrow:disabled {
    opacity: 0.35;
    cursor: not-allowed;
}

.testimonial-page-status {
    min-width: 52px;
    color: var(--primary-blue);
    font-weight: 800;
    text-align: center;
}

.compact-mail-form {
    display: grid;
    gap: 14px;
}

.skyline-hero {
    background: #041424;
}

.skyline-hero::before {
    z-index: 1;
    background: linear-gradient(90deg, rgba(10, 48, 86, 0.96) 0%, rgba(10, 48, 86, 0.78) 34%, rgba(10, 48, 86, 0.24) 58%, transparent 78%);
    opacity: 1;
}

.skyline-hero::after {
    display: none;
}

.skyline-hero .container {
    position: relative;
    z-index: 2;
}

.skyline-hero-slider,
.skyline-hero-slider span {
    position: absolute;
    inset: 0;
}

.skyline-hero-slider {
    z-index: 0;
    overflow: hidden;
}

.skyline-hero-slider span {
    background-image: var(--slide-image);
    background-size: cover;
    background-position: center;
    opacity: 0;
    animation: skylineFade 18s infinite;
}

.skyline-hero-slider span:nth-child(2) {
    animation-delay: 6s;
}

.skyline-hero-slider span:nth-child(3) {
    animation-delay: 12s;
}

.skyline-hero h1 {
    font-size: var(--hero-title-standard);
    line-height: 1;
    letter-spacing: -0.04em;
    text-shadow: 0 3px 18px rgba(0, 0, 0, 0.42);
}

.skyline-hero p {
    max-width: 610px;
    color: rgba(255, 255, 255, 0.93);
    font-size: 1.04rem;
    line-height: 1.65;
    text-shadow: 0 2px 12px rgba(0, 0, 0, 0.38);
}

@keyframes skylineFade {
    0% { opacity: 0; transform: scale(1.01); }
    8% { opacity: 1; }
    31% { opacity: 1; }
    41% { opacity: 0; transform: scale(1.045); }
    100% { opacity: 0; transform: scale(1.045); }
}

@media (prefers-reduced-motion: reduce) {
    .skyline-hero-slider span {
        animation: none;
    }

    .skyline-hero-slider span:first-child {
        opacity: 1;
    }
}

@media (max-width: 767.98px) {
    .testimonial-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 991.98px) {
    .service-hero,
    .skyline-hero,
    .product-hero {
        min-height: var(--subpage-hero-min-height-tablet);
        padding: var(--subpage-hero-padding-tablet);
    }

    .skyline-hero::before {
        background: linear-gradient(90deg, rgba(10, 48, 86, 0.96) 0%, rgba(10, 48, 86, 0.72) 48%, rgba(10, 48, 86, 0.2) 76%, transparent 100%);
    }

    .service-hero-icon {
        margin: 34px auto 0;
    }
}

@media (max-width: 575.98px) {
    .service-option-grid {
        grid-template-columns: 1fr;
    }

    .service-form-panel {
        padding: 26px;
    }
}

/* ==========================================================================
   ABOUT PAGE
   ========================================================================== */

.about-page {
    background: #ffffff;
}

.about-hero {
    padding: 170px 0 88px;
    background:
        linear-gradient(90deg, rgba(10, 48, 86, 0.04), rgba(241, 90, 36, 0.05)),
        #ffffff;
}

.about-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(360px, 0.78fr);
    gap: clamp(34px, 6vw, 86px);
    align-items: center;
}

.about-hero-copy h1 {
    margin-bottom: 24px;
    color: var(--primary-blue);
    font-size: var(--hero-title-about);
    line-height: 0.9;
    letter-spacing: -0.055em;
    text-transform: uppercase;
}

.about-hero-copy p {
    max-width: 640px;
    color: var(--text-secondary);
    font-size: 1.18rem;
    line-height: 1.75;
}

.about-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 34px;
}

.about-hero-media {
    position: relative;
    min-height: 520px;
    overflow: hidden;
    border-radius: 8px;
    box-shadow: 0 34px 90px rgba(10, 48, 86, 0.18);
}

.about-hero-media img,
.about-image-stack img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.about-media-card {
    position: absolute;
    right: 22px;
    bottom: 22px;
    max-width: 240px;
    padding: 20px;
    border-radius: 8px;
    color: #ffffff;
    background: rgba(4, 20, 36, 0.86);
    backdrop-filter: blur(14px);
    box-shadow: 0 20px 44px rgba(0, 0, 0, 0.22);
}

.about-media-card strong {
    display: block;
    margin-bottom: 4px;
    font-size: 2rem;
    line-height: 1;
}

.about-media-card span {
    display: block;
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.9rem;
    line-height: 1.45;
}

.about-editorial-section,
.about-trust-section,
.about-location-section {
    padding: 92px 0;
}

.about-split {
    display: grid;
    grid-template-columns: minmax(0, 0.84fr) minmax(0, 1fr);
    gap: clamp(34px, 6vw, 82px);
    align-items: center;
}

.about-split-reverse {
    grid-template-columns: minmax(0, 1fr) minmax(0, 0.92fr);
}

.about-split-reverse .about-copy-panel {
    order: 2;
}

.about-copy-panel h2,
.about-progress-band h2,
.about-section-heading h2,
.about-number-copy h2,
.about-location-card h2 {
    color: var(--primary-blue);
    font-size: clamp(2.25rem, 4vw, 4.2rem);
    line-height: 0.98;
    letter-spacing: -0.045em;
}

.about-copy-panel p,
.about-section-heading p,
.about-number-copy p {
    color: var(--text-secondary);
    font-size: 1.04rem;
    line-height: 1.78;
}

.about-text-link {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-top: 12px;
    color: var(--accent-orange);
    font-weight: 800;
    text-decoration: none;
}

.about-image-stack {
    position: relative;
    min-height: 520px;
    overflow: hidden;
    border-radius: 8px;
}

.about-floating-note {
    position: absolute;
    left: 24px;
    bottom: 24px;
    display: flex;
    align-items: center;
    gap: 14px;
    width: min(330px, calc(100% - 48px));
    padding: 18px;
    border-radius: 8px;
    color: var(--primary-blue);
    background: rgba(255, 255, 255, 0.92);
    box-shadow: 0 18px 42px rgba(10, 48, 86, 0.18);
}

.about-floating-note i {
    width: 48px;
    height: 48px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 48px;
    border-radius: 8px;
    color: #ffffff;
    background: var(--accent-orange);
}

.about-progress-band,
.about-number-section {
    padding: 88px 0;
    color: #ffffff;
    background:
        radial-gradient(circle at 10% 20%, rgba(241, 90, 36, 0.24), transparent 32%),
        linear-gradient(135deg, #041424 0%, #0A3056 56%, #1A1446 100%);
}

.about-progress-band h2,
.about-progress-band p,
.about-number-copy h2,
.about-number-copy p {
    color: #ffffff;
}

.about-step-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 16px;
}

.about-step-card {
    min-height: 250px;
    padding: 26px;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(14px);
}

.about-step-card span {
    display: inline-block;
    margin-bottom: 38px;
    color: var(--accent-orange-light);
    font-weight: 900;
    letter-spacing: 0.08em;
}

.about-step-card h3 {
    margin-bottom: 12px;
    color: #ffffff;
    font-size: 1.55rem;
}

.about-step-card p {
    margin: 0;
    color: rgba(255, 255, 255, 0.78);
    line-height: 1.65;
}

.about-link-panel {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
}

.about-link-panel a {
    display: flex;
    align-items: center;
    gap: 14px;
    min-height: 92px;
    padding: 20px;
    border: 1px solid #e5ecf5;
    border-radius: 8px;
    color: var(--primary-blue);
    background: #ffffff;
    box-shadow: 0 16px 36px rgba(15, 23, 42, 0.06);
    font-weight: 850;
    text-decoration: none;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.about-link-panel a:hover {
    transform: translateY(-3px);
    border-color: rgba(241, 90, 36, 0.28);
    box-shadow: 0 22px 46px rgba(15, 23, 42, 0.1);
}

.about-link-panel i {
    width: 46px;
    height: 46px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 46px;
    border-radius: 8px;
    color: var(--accent-orange);
    background: var(--soft-orange);
}

.about-section-heading {
    max-width: 760px;
    margin-bottom: 44px;
}

.about-trust-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.about-trust-card {
    min-height: 310px;
    padding: 30px;
    border: 1px solid #e5ecf5;
    border-radius: 8px;
    background: #ffffff;
    box-shadow: 0 18px 44px rgba(15, 23, 42, 0.07);
}

.about-trust-card img {
    width: auto;
    max-width: 170px;
    height: 86px;
    margin-bottom: 26px;
    object-fit: contain;
}

.about-trust-icon {
    width: 86px;
    height: 86px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 26px;
    border-radius: 8px;
    color: var(--accent-orange);
    background: var(--soft-orange);
    font-size: 2rem;
}

.about-trust-card h3 {
    color: var(--primary-blue);
    font-size: 1.42rem;
}

.about-trust-card p {
    color: var(--text-secondary);
    line-height: 1.7;
}

.about-number-grid {
    display: grid;
    grid-template-columns: 1.25fr repeat(3, minmax(0, 0.55fr));
    gap: 16px;
    align-items: stretch;
}

.about-number-copy {
    padding-right: clamp(0px, 3vw, 50px);
}

.about-number-copy .btn {
    margin-top: 18px;
}

.about-number-card {
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    min-height: 280px;
    padding: 26px;
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.09);
}

.about-number-card strong {
    display: block;
    margin-bottom: 14px;
    color: #ffffff;
    font-size: clamp(3rem, 6vw, 5.4rem);
    line-height: 0.85;
    letter-spacing: -0.05em;
}

.about-number-card span {
    color: rgba(255, 255, 255, 0.78);
    font-weight: 750;
    line-height: 1.45;
}

.about-location-card {
    height: 100%;
    padding: 34px;
    border: 1px solid #e5ecf5;
    border-radius: 8px;
    background: #ffffff;
    box-shadow: 0 18px 44px rgba(15, 23, 42, 0.07);
}

.about-location-card p {
    color: var(--text-secondary);
    font-size: 1.08rem;
    line-height: 1.7;
}

.about-state-list {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 24px;
}

.about-state-list span {
    display: inline-flex;
    align-items: center;
    min-height: 54px;
    padding: 0 22px;
    border-radius: 8px;
    color: var(--primary-blue);
    background: var(--soft-blue);
    font-weight: 850;
}

@media (max-width: 1199.98px) {
    .about-step-grid,
    .about-number-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .about-number-copy {
        grid-column: 1 / -1;
    }
}

@media (max-width: 991.98px) {
    .about-hero {
        padding: 145px 0 72px;
    }

    .about-hero-grid,
    .about-split,
    .about-split-reverse {
        grid-template-columns: 1fr;
    }

    .about-split-reverse .about-copy-panel {
        order: 0;
    }

    .about-hero-media,
    .about-image-stack {
        min-height: 420px;
    }

    .about-trust-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 767.98px) {
    .about-editorial-section,
    .about-trust-section,
    .about-location-section,
    .about-progress-band,
    .about-number-section {
        padding: 68px 0;
    }

    .about-link-panel,
    .about-step-grid,
    .about-number-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 575.98px) {
    .about-hero-copy h1 {
        font-size: var(--hero-title-about);
    }

    .about-hero-actions .btn {
        width: 100%;
    }

    .about-hero-media,
    .about-image-stack {
        min-height: 340px;
    }

    .about-media-card,
    .about-floating-note {
        left: 16px;
        right: 16px;
        bottom: 16px;
        width: auto;
        max-width: none;
    }
}

/* ==========================================================================
   INDIVIDUAL PRODUCT PAGES
   ========================================================================== */

.product-page {
    background: #ffffff;
}

.product-hero {
    position: relative;
    overflow: hidden;
    color: #ffffff;
    background:
        radial-gradient(circle at 82% 20%, rgba(145, 176, 191, 0.28), transparent 30%),
        linear-gradient(135deg, #041424 0%, #0A3056 48%, #1A1446 100%);
}

.product-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(100deg, rgba(4, 20, 36, 0.18), rgba(241, 90, 36, 0.18)),
        repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.07) 0 1px, transparent 1px 28px);
    opacity: 0.65;
}

.product-image-hero {
    background: var(--product-hero-image) center / cover no-repeat;
}

.product-image-hero::before {
    background: linear-gradient(90deg, rgba(241, 90, 36, 0.96) 0%, rgba(241, 90, 36, 0.76) 34%, rgba(241, 90, 36, 0.24) 58%, transparent 78%);
    opacity: 1;
}

.product-image-hero .btn-primary {
    background: linear-gradient(135deg, var(--primary-blue), #1A1446);
    border-color: transparent;
    color: #ffffff;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.24), 0 12px 24px rgba(10, 48, 86, 0.28);
}

.product-image-hero .btn-primary:hover {
    background: linear-gradient(135deg, #06192d, #100b32);
    color: #ffffff;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.18), 0 16px 30px rgba(10, 48, 86, 0.34);
}

.product-image-hero .btn-outline-light {
    background: rgba(10, 48, 86, 0.08);
    border-color: var(--primary-blue);
    color: var(--primary-blue);
}

.product-image-hero .btn-outline-light:hover {
    background: var(--primary-blue);
    border-color: var(--primary-blue);
    color: #ffffff;
}

.product-hero .container {
    position: relative;
    z-index: 2;
}

.product-hero-copy {
    max-width: min(980px, 90vw);
}

.product-hero h1 {
    font-size: var(--hero-title-standard);
    line-height: 0.98;
    letter-spacing: -0.055em;
    text-transform: uppercase;
}

.product-hero p {
    max-width: 620px;
    color: rgba(255, 255, 255, 0.88);
    font-size: 1.12rem;
    line-height: 1.7;
}

.product-hero-mark {
    width: min(300px, 72vw);
    aspect-ratio: 1;
    display: grid;
    place-items: center;
    margin-left: auto;
    border-radius: 34px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.22), rgba(255, 255, 255, 0.04)),
        rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.22);
    box-shadow: 0 30px 75px rgba(0, 0, 0, 0.24);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

.product-hero-mark i {
    font-size: clamp(4.3rem, 12vw, 7.5rem);
    color: var(--accent-orange);
    filter: drop-shadow(0 18px 30px rgba(0, 0, 0, 0.3));
}

.product-section {
    padding: 78px 0;
}

.product-section-soft {
    background:
        radial-gradient(circle at 86% 16%, rgba(145, 176, 191, 0.22), transparent 30%),
        linear-gradient(180deg, #f8fafc, #ffffff);
}

.product-card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.product-info-card {
    height: 100%;
    padding: 26px;
    border: 1px solid #e6edf6;
    border-radius: 22px;
    background: #ffffff;
    box-shadow: 0 16px 38px rgba(15, 23, 42, 0.065);
}

.product-info-card i {
    width: 50px;
    height: 50px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    border-radius: 16px;
    background: var(--soft-orange);
    color: var(--accent-orange);
    font-size: 1.22rem;
}

.product-info-card h3 {
    color: var(--primary-blue);
    font-size: 1.15rem;
}

.product-list {
    display: grid;
    gap: 13px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.product-list li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    color: var(--text-secondary);
    font-weight: 650;
}

.product-list i {
    color: var(--accent-orange);
    margin-top: 4px;
}

.product-cta-band {
    border-radius: 30px;
    padding: 36px;
    color: #ffffff;
    background:
        radial-gradient(circle at 88% 12%, rgba(145, 176, 191, 0.2), transparent 34%),
        linear-gradient(135deg, #1A1446, #0A3056);
}

.product-cta-band h2,
.product-cta-band p {
    color: #ffffff;
}

.state-verification-intro {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(300px, 0.95fr);
    gap: 22px;
    align-items: stretch;
}

.state-verification-callout,
.state-verification-points,
.state-verification-accordion .accordion-item {
    border: 1px solid #e6edf6;
    border-radius: 18px;
    background: #ffffff;
    box-shadow: 0 18px 44px rgba(15, 23, 42, 0.07);
}

.state-verification-callout {
    padding: 32px;
}

.state-verification-callout > i {
    width: 58px;
    height: 58px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    border-radius: 18px;
    color: var(--accent-orange);
    background: var(--soft-orange);
    font-size: 1.35rem;
}

.state-verification-callout h3 {
    color: var(--primary-blue);
    font-weight: 850;
}

.state-verification-callout p {
    color: var(--text-secondary);
    line-height: 1.7;
}

.state-verification-points {
    display: grid;
    gap: 0;
    overflow: hidden;
}

.state-verification-points div {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 24px;
    border-bottom: 1px solid #e6edf6;
    color: var(--text-dark);
    font-weight: 750;
}

.state-verification-points div:last-child {
    border-bottom: 0;
}

.state-verification-points i {
    color: var(--accent-orange);
}

.state-verification-accordion {
    display: grid;
    gap: 14px;
}

.state-verification-accordion .accordion-item {
    overflow: hidden;
}

.state-verification-accordion .accordion-button {
    color: var(--primary-blue);
    font-weight: 850;
    background: #ffffff;
    box-shadow: none;
}

.state-verification-accordion .accordion-button:not(.collapsed) {
    color: var(--primary-blue);
    background: linear-gradient(180deg, #ffffff, #f8fafc);
}

.state-verification-accordion .accordion-body {
    color: var(--text-secondary);
    line-height: 1.7;
}

.state-faq-section {
    background: #ffffff;
}

@media (max-width: 991.98px) {
    .product-hero-mark {
        margin: 34px auto 0;
    }

    .product-card-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .state-verification-intro {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 575.98px) {
    .product-hero h1 {
        font-size: var(--hero-title-standard);
    }

    .product-card-grid {
        grid-template-columns: 1fr;
    }

    .product-cta-band {
        padding: 28px;
    }
}


/* Personal insurance product-page hero consistency fixes */
body.product-page[data-active="personal"] .product-hero h1 {
    font-size: var(--hero-title-standard);
    line-height: 1.04;
    letter-spacing: -0.045em;
}

body.product-page[data-active="personal"] .product-hero p {
    max-width: 540px;
    font-size: 0.98rem;
    line-height: 1.55;
    margin-top: 1rem !important;
}

body.product-page[data-active="personal"] .product-hero .badge {
    margin-bottom: 1rem !important;
}

body.product-page[data-active="personal"] .product-hero .commercial-hero-actions {
    margin-top: 18px;
}

body.product-page[data-active="personal"] .product-hero-mark {
    width: min(230px, 58vw);
    border-radius: 28px;
}

body.product-page[data-active="personal"] .product-hero-mark i {
    font-size: clamp(3.5rem, 8vw, 5.5rem);
}

@media (max-width: 575.98px) {
    body.product-page[data-active="personal"] .product-hero h1 {
        font-size: var(--hero-title-standard);
    }
}

/* ==========================================================================
   FOOTER SPECIFICS (GRADIENTS, PANELS, ICONS, RESPONSIVENESS)
   ========================================================================== */

.bg-navy-footer p,
.bg-navy-footer li,
.bg-navy-footer address {
    color: rgba(255, 255, 255, 0.88) !important;
}

.bg-navy-footer p i,
.bg-navy-footer address i {
    color: var(--accent-orange) !important;
    opacity: 1 !important;
}

.bg-navy-footer .opacity-90 {
    opacity: 1;
}

.bg-navy-footer .border-light {
    border-color: rgba(255, 255, 255, 0.18) !important;
}

.bg-navy-footer .text-white-50 {
    color: rgba(255, 255, 255, 0.72) !important;
}

/* States Text Gradient */
.states-gradient-text {
    background: linear-gradient(90deg, #ffffff, #dbeafe 46%, #ffcfbf);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    display: inline-block;
    text-shadow: 0 12px 28px rgba(0, 0, 0, 0.28);
}

/* White Glass Panel behind Trust Badges & Socials */
.footer-trust-panel {
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.98) 0%, rgba(239, 244, 255, 0.94) 100%);
    border-radius: 24px;
    box-shadow: 0 22px 55px rgba(0, 0, 0, 0.28);
    border: 1px solid rgba(255,255,255,0.72);
    padding: 1.5rem; 
}

/* RESPONSIVE FOOTER BADGES */
.footer-badge-row {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: clamp(10px, 3vw, 24px);
    flex-wrap: nowrap;
}

.footer-badge-row a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 0;
    flex: 0 1 33.333%;
}

.footer-badge {
    height: clamp(38px, 9vw, 64px);
    width: auto;
    max-width: 100%;
    object-fit: contain;
    transition: transform 0.3s ease;
}
.footer-badge:hover,
.footer-ilivs-badge:hover {
    transform: scale(1.05);
}

.footer-ilivs-badge {
    min-height: clamp(48px, 10vw, 72px);
    width: 100%;
    padding: 10px 12px;
    border-radius: 8px;
    color: #ffffff;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.18), transparent 44%),
        linear-gradient(135deg, #23618f 0%, #0a3056 58%, #061f38 100%);
    font-weight: 850;
    line-height: 1.05;
    text-decoration: none;
    transition: transform 0.3s ease;
}

.footer-ilivs-badge small {
    display: block;
    margin-top: 4px;
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.68rem;
    font-weight: 750;
}

/* RESPONSIVE SOCIAL ICONS */
.social-circle-icon {
    width: 45px; 
    height: 45px;
    font-size: 1.2rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    text-decoration: none;
    transition: all 0.3s cubic-bezier(0.165, 0.84, 0.44, 1);
    box-shadow: 0 4px 10px rgba(0,0,0,0.1);
}
.social-fb { background-color: #1877F2; color: #ffffff; }
.social-li { background-color: #0A66C2; color: #ffffff; }
.social-yt { background-color: #FF0000; color: #ffffff; }

.social-circle-icon:hover {
    transform: translateY(-5px) scale(1.05);
    box-shadow: 0 10px 20px rgba(0,0,0,0.15);
    color: #ffffff;
}

/* Upscale Trust Badges and Socials purely for Desktop/Tablet */
@media (min-width: 768px) {
    .footer-trust-panel {
        padding: 2rem;
    }
    .footer-badge {
        height: 74px; 
    }
    .social-circle-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
    }
}

/* ========================================================================== 
   SIMPLE RESPONSIVE NAVIGATION
   Keep the same information architecture at every size without promo artwork
   or decorative icon tiles.
   ========================================================================== */
.mobile-insurance-menu {
    display: none;
}

.mega-menu-feature,
.mega-category a i,
.standard-submenu a i {
    display: none;
}

.mega-menu-inner {
    display: block;
}

.mega-menu-panel {
    width: min(1040px, calc(100vw - 32px));
    padding: 20px;
    border-radius: 14px;
}

.mega-category-grid {
    gap: 8px;
}

.mega-category {
    padding: 12px;
    border: 0;
    border-radius: 8px;
    background: transparent;
}

.mega-category-title {
    width: 100%;
    margin-bottom: 5px;
    padding: 0 8px 8px;
    border-bottom: 1px solid #e6edf6;
}

.mega-category a:not(.mega-category-title),
.standard-submenu a {
    min-height: 40px;
    gap: 0;
}

.mega-category a:not(.mega-category-title) {
    padding: 8px;
    border-radius: 6px;
}

.standard-submenu {
    border-radius: 12px;
}

@media (max-width: 991.98px) {
    .glass-nav .container {
        max-width: 100%;
        padding-right: 16px;
        padding-left: 16px;
    }

    .glass-nav .navbar-collapse {
        max-height: calc(100dvh - 112px);
        margin-top: 8px;
        padding: 6px 10px 12px;
        overflow-x: hidden;
        overflow-y: auto;
        overscroll-behavior: contain;
        border: 1px solid rgba(10, 48, 86, 0.1);
        border-radius: 12px;
        box-shadow: 0 12px 28px rgba(4, 20, 36, 0.12);
    }

    body.utility-bar-hidden .glass-nav .navbar-collapse {
        max-height: calc(100dvh - 70px);
    }

    .assurance-main-menu {
        gap: 0 !important;
    }

    .assurance-main-menu > .nav-item {
        width: 100%;
        margin: 0 !important;
        border-bottom: 1px solid #e6edf6;
    }

    .assurance-main-menu > .nav-item:last-child {
        padding: 12px 4px 0;
        border-bottom: 0;
    }

    .assurance-main-menu > .nav-item:last-child .btn {
        width: 100%;
    }

    .nav-menu-toggle {
        min-height: 48px;
        padding: 10px 6px !important;
        text-align: left;
    }

    .mega-menu-panel,
    .standard-submenu {
        display: none !important;
        width: 100%;
        margin: 0 0 8px;
        padding: 4px 0 6px;
        border: 0;
        border-top: 1px solid #e6edf6;
        border-radius: 0;
        background: transparent;
    }

    .has-mega-menu > .mega-menu-panel,
    .has-mega-menu.menu-open > .mega-menu-panel {
        display: none !important;
    }

    .mobile-insurance-menu {
        width: 100%;
        padding: 8px 0 10px;
        border-top: 1px solid #e6edf6;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 8px 18px;
        background: #ffffff;
    }

    .has-mega-menu.menu-open > .mobile-insurance-menu {
        display: grid !important;
    }

    .mobile-insurance-group {
        min-width: 0;
        padding: 4px;
    }

    .mobile-insurance-heading {
        display: block;
        padding: 6px 6px 8px;
        border-bottom: 1px solid #e6edf6;
        color: var(--primary-blue);
        font-size: 0.9rem;
        font-weight: 800;
    }

    .mobile-insurance-group a {
        display: flex !important;
        align-items: center;
        min-height: 44px;
        padding: 10px 6px;
        color: #0f172a !important;
        font-size: 0.92rem;
        font-weight: 700;
        line-height: 1.25;
        text-decoration: none !important;
    }

    .mobile-insurance-group a:hover,
    .mobile-insurance-group a:focus-visible {
        color: var(--primary-blue) !important;
        background: var(--soft-blue);
    }

    .has-submenu.menu-open > .standard-submenu {
        display: block !important;
        opacity: 1 !important;
        visibility: visible !important;
        pointer-events: auto !important;
    }

    .mega-category-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 4px 16px;
    }

    .mega-category {
        min-width: 0;
        padding: 10px 4px 4px;
    }

    .mega-category-title {
        padding-right: 6px;
        padding-left: 6px;
        font-size: 0.9rem;
    }

    .mega-category a:not(.mega-category-title),
    .standard-submenu a {
        display: flex !important;
        min-height: 44px;
        padding: 10px 6px;
        color: var(--text-dark) !important;
        font-size: 0.92rem;
    }
}

@media (max-width: 767.98px) {
    .glass-nav .navbar-collapse {
        max-height: calc(100dvh - 70px);
    }
}

@media (max-width: 575.98px) {
    .glass-nav .navbar-brand img {
        max-width: min(210px, calc(100vw - 100px));
        max-height: 40px !important;
    }

    .mega-category-grid {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .mobile-insurance-menu {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .mega-category {
        padding-top: 8px;
    }
}

/* Restore the full icon-based mega menu at every viewport size. */
.mobile-insurance-menu {
    display: none !important;
}

.mobile-quote-nav {
    display: none !important;
}

.mobile-segment-nav {
    display: none !important;
}

.mega-menu-panel {
    width: min(980px, calc(100vw - 34px));
    padding: 24px;
    border-radius: 24px;
}

.mega-menu-inner {
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 24px;
}

.mega-menu-feature {
    display: block;
}

.mega-menu-feature.is-page-preview {
    background-color: var(--primary-blue);
    background-position: center;
    background-size: cover;
}

.mega-menu-feature.is-page-preview .mega-eyebrow {
    color: #ffffff;
}

.mega-menu-feature.is-page-preview .mega-quote-btn {
    display: none;
}

.mega-category a.is-preview-active {
    color: var(--primary-blue);
    background: var(--soft-blue);
}

.mega-category-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
}

.mega-category {
    padding: 16px;
    border: 1px solid #e6edf6;
    border-radius: 18px;
    background: #ffffff;
}

.mega-category-title {
    margin-bottom: 12px;
    padding: 0;
    border-bottom: 0;
}

.mega-category a:not(.mega-category-title),
.standard-submenu a {
    gap: 10px;
}

.mega-category a:not(.mega-category-title) {
    padding: 10px;
    border-radius: 12px;
}

.mega-category a i,
.standard-submenu a i {
    display: inline-flex;
}

@media (max-width: 991.98px) {
    .utility-bar {
        display: none !important;
    }

    .nav-agent-action {
        display: none !important;
    }

    .nav-quote-action {
        grid-column: 1 / -1;
    }

    .mobile-segment-nav {
        display: block !important;
        grid-column: 1 / -1;
        order: 10;
        padding: 6px 4px 12px;
    }

    .mobile-segment-grid {
        display: grid;
        grid-template-columns: 1fr;
        gap: 10px;
    }

    .mobile-segment-btn {
        display: flex;
        align-items: center;
        justify-content: center;
        min-height: 54px;
        padding: 12px;
        border: 2px solid #d7e2ee;
        width: 100%;
        border-radius: 999px;
        color: var(--primary-blue);
        background: #ffffff;
        font-size: 1rem;
        font-weight: 800;
        text-decoration: none;
    }

    .mobile-segment-btn.active,
    .mobile-segment-btn:hover,
    .mobile-segment-btn:focus-visible {
        color: #ffffff;
        border-color: var(--primary-blue);
        background: var(--primary-blue);
    }

    .mobile-segment-btn:first-child,
    .mobile-segment-btn:first-child.active {
        color: #ffffff;
        border-color: var(--accent-orange);
        background: var(--accent-orange);
    }

    .mobile-segment-btn:first-child:hover,
    .mobile-segment-btn:first-child:focus-visible {
        border-color: var(--accent-orange-dark);
        background: var(--accent-orange-dark);
    }

    .mobile-segment-btn:last-child,
    .mobile-segment-btn:last-child.active {
        color: #ffffff;
        border-color: var(--primary-blue);
        background: var(--primary-blue);
    }

    .mobile-segment-btn:last-child:hover,
    .mobile-segment-btn:last-child:focus-visible {
        border-color: #061f38;
        background: #061f38;
    }

    .mega-menu-feature {
        display: none !important;
    }

    .mobile-quote-nav {
        display: block !important;
    }

    .assurance-main-menu > .nav-agent-action,
    .assurance-main-menu > .nav-quote-action {
        width: 100%;
        margin: 0 !important;
        order: 20;
        padding: 10px 4px 2px;
        border-bottom: 0;
    }

    .assurance-main-menu {
        display: grid !important;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        column-gap: 8px !important;
    }

    .assurance-main-menu > .nav-item:not(.nav-agent-action):not(.nav-quote-action) {
        grid-column: 1 / -1;
    }

    .nav-agent-action .btn,
    .nav-quote-action .btn {
        width: 100%;
    }

    .mobile-start-quote-btn {
        color: #ffffff;
        min-height: 42px;
        padding: 9px 10px !important;
        background: #236b45;
        border: 1px solid #236b45;
        font-weight: 800;
        font-size: 0.86rem;
        box-shadow: 0 8px 18px rgba(35, 107, 69, 0.2);
    }

    .mobile-start-quote-btn:hover,
    .mobile-start-quote-btn:focus-visible {
        color: #ffffff;
        background: #194f33;
        border-color: #194f33;
    }

    .nav-agent-action .btn {
        min-height: 42px;
        padding: 9px 10px !important;
        color: #06223b !important;
        background: #78c5ed !important;
        border: 1px solid #78c5ed !important;
        font-size: 0.86rem;
        box-shadow: 0 8px 18px rgba(120, 197, 237, 0.22) !important;
    }

    .nav-agent-action .btn:hover,
    .nav-agent-action .btn:focus-visible {
        color: #ffffff !important;
        background: #328fc2 !important;
        border-color: #328fc2 !important;
    }

    .has-mega-menu > .mega-menu-panel {
        display: none !important;
    }

    .has-mega-menu.menu-open > .mega-menu-panel {
        display: block !important;
        opacity: 1 !important;
        visibility: visible !important;
        pointer-events: auto !important;
    }

    .mega-menu-panel {
        position: static;
        width: 100%;
        margin: 0 0 10px;
        padding: 12px;
        transform: none !important;
        border: 1px solid #e6edf6;
        border-radius: 14px;
        background: #ffffff;
        box-shadow: none;
    }

    .mega-menu-inner {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .mega-menu-feature {
        padding: 18px;
        border-radius: 12px;
    }

    .mega-menu-feature h3 {
        margin: 8px 0;
        font-size: 1.25rem;
    }

    .mega-menu-feature p {
        margin-bottom: 8px;
        font-size: 0.9rem;
        line-height: 1.45;
    }

    .mega-category-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 10px;
    }

    .mega-category {
        min-width: 0;
        padding: 10px;
        border-radius: 12px;
    }

    .mega-category a:not(.mega-category-title),
    .standard-submenu a {
        display: flex !important;
        min-height: 44px;
        color: var(--text-dark) !important;
    }
}

@media (min-width: 768px) and (max-width: 991.98px) {
    .mega-category-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 575.98px) {
    .mega-menu-panel {
        padding: 8px;
    }

    .mega-menu-feature {
        padding: 14px;
    }

    .mega-category-grid {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .mega-category {
        padding: 8px;
    }
}

/* Phone-only insurance hero focal point adjustment. */
@media (max-width: 767.98px) {
    .product-image-hero {
        background-position: calc(50% - 300px) center;
    }

    body.product-page[data-product="automobile"] .product-image-hero,
    body.product-page[data-product="motorcycle"] .product-image-hero,
    body.product-page[data-product="stateverification"] .product-image-hero {
        background-position: calc(50% - 400px) center;
    }

    body.commercial-page:not(.personal-page) .commercial-hero::before {
        background-position: center, calc(50% + 50px) center;
    }
}

/* General Liability focal point adjustment for tablets only. */
@media (min-width: 768px) and (max-width: 991.98px) {
    body.product-page[data-product="automobile"] .product-image-hero,
    body.product-page[data-product="motorcycle"] .product-image-hero,
    body.product-page[data-product="stateverification"] .product-image-hero {
        background-position: calc(50% - 140px) center;
    }

    body.product-page[data-product="general-liability"] .product-image-hero {
        background-position: calc(50% - 200px) center;
    }

    body.product-page[data-product="bonds"] .product-image-hero {
        background-position: calc(50% - 100px) center;
    }

    body.product-page[data-product="life"] .product-image-hero,
    body.product-page[data-product="term-life"] .product-image-hero,
    body.product-page[data-product="universal-life"] .product-image-hero,
    body.product-page[data-product="whole-life"] .product-image-hero,
    body.product-page[data-product="annuities"] .product-image-hero {
        background-position: calc(50% - 100px) center;
    }
}

/* Subtle gradient depth for phone and tablet, without outlines or shadows. */
@media (max-width: 991.98px) {
    .btn:not(:disabled),
    .mobile-segment-btn {
        border-color: transparent !important;
        box-shadow: none !important;
        transform: none;
        transition: filter 0.16s ease, transform 0.16s ease;
    }

    .mobile-segment-btn {
        border: 0;
    }

    .mobile-segment-btn:first-child,
    .mobile-segment-btn:first-child.active,
    .mobile-segment-btn:first-child:hover,
    .mobile-segment-btn:first-child:focus-visible {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.25), transparent 42%),
            linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%);
    }

    .mobile-segment-btn:last-child,
    .mobile-segment-btn:last-child.active,
    .mobile-segment-btn:last-child:hover,
    .mobile-segment-btn:last-child:focus-visible {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.22), transparent 42%),
            linear-gradient(135deg, #23618f 0%, #0a3056 55%, #061f38 100%);
    }

    .nav-agent-action .btn,
    .nav-agent-action .btn:hover,
    .nav-agent-action .btn:focus-visible {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.34), transparent 44%),
            linear-gradient(135deg, #9edafb 0%, #78c5ed 55%, #4ba8d7 100%) !important;
    }

    .mobile-start-quote-btn,
    .mobile-start-quote-btn:hover,
    .mobile-start-quote-btn:focus-visible {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.24), transparent 44%),
            linear-gradient(135deg, #3a8b61 0%, #236b45 56%, #194f33 100%) !important;
    }

    .btn:not(:disabled):hover,
    .mobile-segment-btn:hover,
    .btn:not(:disabled):focus-visible,
    .mobile-segment-btn:focus-visible {
        filter: brightness(1.06) saturate(1.04);
        box-shadow: none !important;
        transform: none;
    }

    .btn:not(:disabled):active,
    .mobile-segment-btn:active {
        filter: brightness(0.94);
        box-shadow: none !important;
        transform: scale(0.99);
    }
}

/* Final global button skin (kept last so page-specific rules cannot add lines/shadows). */
.btn {
    border-color: transparent !important;
    box-shadow: none !important;
}

.btn-primary,
.btn-orange,
.mega-quote-btn {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

.btn-gold {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.26), transparent 42%),
        linear-gradient(135deg, #ff9a5c 0%, #f15a24 54%, #d74614 100%) !important;
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold {
    background:
        linear-gradient(180deg, rgba(255,255,255,0.22), transparent 42%),
        linear-gradient(135deg, #23618f 0%, #0a3056 55%, #061f38 100%) !important;
}

.btn-outline-light {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.2), transparent 44%),
        linear-gradient(135deg, rgba(255,255,255,0.2), rgba(255,255,255,0.08)) !important;
}

.btn-outline-primary {
    color: var(--primary-blue) !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.5), transparent 44%),
        linear-gradient(135deg, rgba(145,176,191,0.3), rgba(145,176,191,0.13)) !important;
}

.btn:hover,
.btn:focus-visible,
.btn:active {
    border-color: transparent !important;
    box-shadow: none !important;
}

a[href^="tel:"]:not(.btn),
a[href^="mailto:"]:not(.btn) {
    color: inherit;
    text-decoration-color: currentColor;
}

/* Site action color rules:
   light sections use blue actions; blue/dark CTA sections use orange actions.
   Header/hero exceptions below preserve the existing blue + see-through pair. */
.btn-primary {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.22), transparent 42%),
        linear-gradient(135deg, #23618f 0%, #0a3056 55%, #061f38 100%) !important;
}

.btn-primary:hover,
.btn-primary:focus-visible,
.btn-primary:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #1b527b 0%, #082946 58%, #041a2e 100%) !important;
}

.btn-orange,
.btn-gold,
.mega-quote-btn,
.nav-agent-action .btn-primary,
.nav-quote-action .btn-primary,
.product-cta-band .btn-primary,
.quote-panel .btn-primary,
.service-form-panel .btn-primary,
.working-form-cta-on-dark .btn-primary,
.bg-dark-blue .btn-primary,
.bg-navy-footer .btn-primary {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

.btn-orange:hover,
.btn-orange:focus-visible,
.btn-orange:active,
.btn-gold:hover,
.btn-gold:focus-visible,
.btn-gold:active,
.mega-quote-btn:hover,
.mega-quote-btn:focus-visible,
.mega-quote-btn:active,
.nav-agent-action .btn-primary:hover,
.nav-agent-action .btn-primary:focus-visible,
.nav-agent-action .btn-primary:active,
.nav-quote-action .btn-primary:hover,
.nav-quote-action .btn-primary:focus-visible,
.nav-quote-action .btn-primary:active,
.product-cta-band .btn-primary:hover,
.product-cta-band .btn-primary:focus-visible,
.product-cta-band .btn-primary:active,
.quote-panel .btn-primary:hover,
.quote-panel .btn-primary:focus-visible,
.quote-panel .btn-primary:active,
.service-form-panel .btn-primary:hover,
.service-form-panel .btn-primary:focus-visible,
.service-form-panel .btn-primary:active,
.working-form-cta-on-dark .btn-primary:hover,
.working-form-cta-on-dark .btn-primary:focus-visible,
.working-form-cta-on-dark .btn-primary:active,
.bg-dark-blue .btn-primary:hover,
.bg-dark-blue .btn-primary:focus-visible,
.bg-dark-blue .btn-primary:active,
.bg-navy-footer .btn-primary:hover,
.bg-navy-footer .btn-primary:focus-visible,
.bg-navy-footer .btn-primary:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #f15a24 0%, #d74614 58%, #b7350f 100%) !important;
}

.commercial-hero .btn-gold,
.product-image-hero .btn-primary {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.22), transparent 42%),
        linear-gradient(135deg, #23618f 0%, #0a3056 55%, #061f38 100%) !important;
}

.commercial-hero .btn-gold:hover,
.commercial-hero .btn-gold:focus-visible,
.commercial-hero .btn-gold:active,
.product-image-hero .btn-primary:hover,
.product-image-hero .btn-primary:focus-visible,
.product-image-hero .btn-primary:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #1b527b 0%, #082946 58%, #041a2e 100%) !important;
}

.commercial-hero .btn-outline-light,
.product-image-hero .btn-outline-light {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.2), transparent 44%),
        linear-gradient(135deg, rgba(255,255,255,0.2), rgba(255,255,255,0.08)) !important;
}

.commercial-page:not(.personal-page) .commercial-hero::before {
    background:
        linear-gradient(100deg, rgba(4, 20, 36, 0.96) 0%, rgba(10, 48, 86, 0.84) 38%, rgba(26, 20, 70, 0.42) 66%, rgba(4, 20, 36, 0.12) 100%),
        var(--commercial-hero-img) !important;
    background-size: cover !important;
    background-position: center right !important;
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

.personal-page .commercial-hero .btn-gold {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

.commercial-page:not(.personal-page) .commercial-hero .btn-gold:hover,
.commercial-page:not(.personal-page) .commercial-hero .btn-gold:focus-visible,
.commercial-page:not(.personal-page) .commercial-hero .btn-gold:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #f15a24 0%, #d74614 58%, #b7350f 100%) !important;
}

.personal-page .commercial-hero .btn-gold:hover,
.personal-page .commercial-hero .btn-gold:focus-visible,
.personal-page .commercial-hero .btn-gold:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #f15a24 0%, #d74614 58%, #b7350f 100%) !important;
}

.commercial-page:not(.personal-page) .quote-panel {
    background:
        radial-gradient(circle at 88% 16%, rgba(145, 176, 191, 0.24), transparent 34%),
        linear-gradient(135deg, #1A1446, #0A3056 58%, #061f38) !important;
}

body.product-page[data-active="commercial"] .product-image-hero::before {
    background: linear-gradient(90deg, rgba(4, 20, 36, 0.96) 0%, rgba(10, 48, 86, 0.8) 36%, rgba(26, 20, 70, 0.34) 62%, transparent 82%) !important;
}

body.product-page[data-active="commercial"] .product-image-hero .btn-primary {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.28), transparent 42%),
        linear-gradient(135deg, #ff8a4c 0%, #f15a24 52%, #d74614 100%) !important;
}

body.product-page[data-active="commercial"] .product-image-hero .btn-primary:hover,
body.product-page[data-active="commercial"] .product-image-hero .btn-primary:focus-visible,
body.product-page[data-active="commercial"] .product-image-hero .btn-primary:active {
    color: #ffffff !important;
    background:
        linear-gradient(180deg, rgba(255,255,255,0.18), transparent 42%),
        linear-gradient(135deg, #f15a24 0%, #d74614 58%, #b7350f 100%) !important;
}

@media (max-width: 575.98px) {
    .commercial-hero-actions .btn,
    .about-hero-actions .btn,
    .product-hero .commercial-hero-actions .btn {
        width: auto;
        min-width: min(100%, 220px);
    }
}

/* High-contrast menu feedback for older users and touch devices. */
@media (max-width: 991.98px) {
    .nav-menu-toggle:hover,
    .nav-menu-toggle:focus-visible {
        color: var(--primary-blue) !important;
        background: #d9edf8;
        border-radius: 10px;
    }

    .nav-item.menu-open > .nav-menu-toggle,
    .nav-menu-toggle:active {
        color: #ffffff !important;
        background: var(--primary-blue);
        border-radius: 10px;
    }

    .mobile-segment-btn:first-child:hover,
    .mobile-segment-btn:first-child:focus-visible,
    .mobile-segment-btn:first-child:active {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.18), transparent 40%),
            linear-gradient(135deg, #d94a16 0%, #bd3810 100%) !important;
    }

    .mobile-segment-btn:last-child:hover,
    .mobile-segment-btn:last-child:focus-visible,
    .mobile-segment-btn:last-child:active {
        background:
            linear-gradient(180deg, rgba(255,255,255,0.24), transparent 40%),
            linear-gradient(135deg, #3579ab 0%, #174d78 100%) !important;
    }

    .mobile-start-quote-btn:hover,
    .mobile-start-quote-btn:focus-visible,
    .mobile-start-quote-btn:active {
        color: #ffffff !important;
        background:
            linear-gradient(180deg, rgba(255,255,255,0.16), transparent 40%),
            linear-gradient(135deg, #17482e 0%, #0f3521 100%) !important;
    }

    .mega-category a:not(.mega-category-title):hover,
    .mega-category a:not(.mega-category-title):focus-visible,
    .standard-submenu a:hover,
    .standard-submenu a:focus-visible {
        color: #ffffff !important;
        background: var(--primary-blue);
    }
}

@media (max-width: 767.98px) {
    body[data-page="view-documents"] .static-service-hero {
        background-position: calc(50% + 50px) center;
    }

    .hero-section + section,
    body.commercial-page .commercial-hero + section,
    body.service-page .service-hero + section,
    body.service-page .skyline-hero + section,
    body.product-page .product-hero + section,
    body.about-page .about-hero + section {
        margin-top: 0 !important;
        padding-top: calc(var(--hero-title-standard) * 2) !important;
    }

    .hero-section + section > .container {
        padding-top: 0 !important;
    }
}