:root {
  --navy: #1B3A70;
  --navy-deep: #12233f;
  --sky: #7DB3D1;
  --steel: #5b7fae;
  --mist: #eef4f9;
  --line: rgba(27, 58, 112, 0.14);
  --text: #12233f;
  --muted: #4a5f7d;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(18, 35, 63, 0.08);
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Plus Jakarta Sans", system-ui, sans-serif;
  --wrap: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); font-weight: 600; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); font-weight: 600; }
h3 { font-size: 1.35rem; font-weight: 600; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.eyebrow {
  font-size: .75rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
  color: var(--steel); margin-bottom: 14px; display: block;
}
.section { padding: 96px 0; }
.section.alt { background: var(--mist); }
.lead { font-size: 1.1rem; color: var(--muted); max-width: 640px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 24px; border-radius: 6px; font-weight: 700; font-size: .95rem;
  text-decoration: none; border: 1px solid transparent; cursor: pointer;
  transition: transform .15s, background .15s, border-color .15s;
  font-family: var(--sans);
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: var(--white); }
.btn-primary:hover { background: var(--navy-deep); }
.btn-sky { background: var(--sky); color: var(--navy-deep); }
.btn-sky:hover { background: #95c3dc; }
.btn-ghost { border-color: rgba(255,255,255,.35); color: var(--white); }
.btn-ghost:hover { border-color: var(--white); }
.btn-outline { border-color: var(--line); color: var(--navy); background: var(--white); }
.btn-outline:hover { border-color: var(--navy); }

/* Top bar + header */
.topbar { background: var(--navy); color: var(--white); font-size: .8rem; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; height: 36px; gap: 16px; }
.topbar .meta { display: flex; gap: 22px; }
.topbar a { text-decoration: none; font-weight: 600; }
.promo-bar { background: linear-gradient(90deg, #fff1c9, #ffe2b8); color: #4a3200; font-size: .88rem; border-bottom: 1px solid #f0cf86; }
.promo-bar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 10px; padding-bottom: 10px; }
.promo-links { display: flex; align-items: center; gap: 16px; flex-shrink: 0; }
.promo-bar a { color: #4a3200; font-weight: 600; }
.promo-bar .promo-cta { background: var(--navy); color: var(--white); text-decoration: none; padding: 7px 14px; border-radius: 6px; }
.promo-card { background: #fff6db; border: 1px solid #f2d27a; }
.promo-pick { background: #eef6fb; border: 1px solid rgba(125,179,209,.6); border-radius: 8px; padding: 16px 18px; }
.promo-pick .check { display: flex; margin-top: 8px; }
.promo-pick .opt a { color: inherit; }

/* Quote for a Cause giving counter */
.give-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.give-stat { background: var(--mist); border-radius: 14px; padding: 28px; display: grid; gap: 4px; color: var(--muted); }
.give-num { font-family: var(--serif); font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 700; color: var(--navy); line-height: 1.1; font-variant-numeric: tabular-nums; }
.give-h { font-size: 1.5rem; margin: 48px 0 18px; }
.give-list { display: grid; gap: 22px; max-width: 860px; }
.give-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 8px; }
.give-what { color: var(--muted); font-size: .9rem; }
.give-amt { font-weight: 700; color: var(--navy); white-space: nowrap; text-align: right; font-variant-numeric: tabular-nums; }
.give-amt span { display: block; font-weight: 500; font-size: .82rem; color: var(--muted); }
.give-bar { height: 12px; background: var(--mist); border-radius: 999px; overflow: hidden; }
.give-bar span { display: block; height: 100%; background: linear-gradient(90deg, var(--navy), var(--sky)); border-radius: 999px; }
.give-how { max-width: 760px; }
.give-how .btn { margin-top: 12px; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand svg { width: 44px; height: 44px; flex-shrink: 0; }
.brand-name { display: block; font-family: var(--serif); font-weight: 700; font-size: 1.05rem; color: var(--navy); line-height: 1.1; }
.brand-sub { display: block; font-size: .62rem; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--steel); }
.nav { display: flex; align-items: center; gap: 34px; }
.nav a { text-decoration: none; font-weight: 500; color: var(--navy); font-size: .95rem; }
.nav a.active { font-weight: 700; }
.nav a:not(.btn):hover { color: var(--steel); }
.nav .btn { padding: 11px 20px; }
.nav .btn-primary, .nav .btn-primary:hover { color: var(--white); }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }

/* Hero */
.hero { position: relative; color: var(--white); background: var(--navy); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .18; }
.hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(27,58,112,.97) 35%, rgba(27,58,112,.6)); }
.hero .wrap { position: relative; z-index: 1; padding-top: 96px; padding-bottom: 72px; }
.hero h1 { color: var(--white); max-width: 720px; }
.hero h1 em { font-style: normal; position: relative; display: inline-block; }
.hero h1 em::after { content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 4px; border-radius: 4px; background: var(--sky); }
.pill {
  display: inline-flex; align-items: center; gap: 8px; padding: 7px 16px; border-radius: 999px;
  border: 1px solid rgba(255,255,255,.25); font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; margin-bottom: 28px;
}
.hero .tagline { font-size: 1.3rem; margin-bottom: 10px; }
.hero .sub { color: rgba(255,255,255,.8); max-width: 600px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 30px 0 56px; }
.stats { display: flex; flex-wrap: wrap; gap: 56px; }
.stat strong { display: block; font-family: var(--serif); font-size: 1.5rem; }
.stat span { font-size: .7rem; letter-spacing: .15em; text-transform: uppercase; color: rgba(255,255,255,.65); }

/* Carrier marquee */
.marquee { background: var(--mist); border-bottom: 1px solid var(--line); overflow: hidden; padding: 16px 0; }
.marquee-track { display: flex; width: max-content; animation: scroll 38s linear infinite; }
.marquee-track span { white-space: nowrap; padding: 0 28px; font-weight: 600; letter-spacing: .18em; font-size: .85rem; color: var(--navy); }
.marquee-track span::after { content: "★"; color: var(--sky); margin-left: 56px; }
@keyframes scroll { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }

/* Coverage cards */
.coverage { display: grid; gap: 40px; margin-top: 48px; }
.cov-card { display: grid; grid-template-columns: 1fr 1fr; background: var(--white); border-radius: 14px; overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--line); }
.cov-card:nth-child(even) .cov-img { order: 2; }
.cov-img { position: relative; min-height: 320px; background-size: cover; background-position: center; }
.cov-img .tag { position: absolute; top: 18px; left: 18px; background: rgba(27,58,112,.88); color: var(--white); padding: 6px 14px; border-radius: 6px; font-size: .7rem; letter-spacing: .18em; font-weight: 700; }
.cov-body { padding: 44px; display: flex; flex-direction: column; justify-content: center; }
.checks { list-style: none; padding: 0; margin: 0 0 24px; }
.checks li { padding: 5px 0 5px 28px; position: relative; color: var(--muted); }
.checks li::before { content: ""; position: absolute; left: 0; top: 11px; width: 14px; height: 14px; border-radius: 50%; border: 2px solid var(--sky); }
.link-arrow { color: var(--navy); font-weight: 700; text-decoration: none; border-bottom: 2px solid var(--sky); align-self: flex-start; padding-bottom: 2px; }
.link-arrow::after { content: " →"; }

/* Local agent */
.split { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.split p { color: var(--muted); font-size: 1.05rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.mini-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.mini { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--sky); border-radius: 8px; padding: 22px; }
.mini h3 { font-size: 1.1rem; }
.mini p { font-size: .9rem; margin: 0; }

/* CTA band */
.cta { background: var(--navy); color: var(--white); text-align: center; padding: 88px 0; }
.cta h2 { color: var(--white); }
.cta p { color: rgba(255,255,255,.8); margin-bottom: 28px; }

/* Page header */
.page-head { background: var(--navy); color: var(--white); padding: 72px 0 64px; }
.page-head h1 { color: var(--white); font-size: clamp(2.2rem, 4.5vw, 3.4rem); }
.page-head .eyebrow { color: var(--sky); }
.page-head p { color: rgba(255,255,255,.8); max-width: 680px; margin: 0; font-size: 1.05rem; }

/* Services */
.svc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 22px; margin-top: 40px; }
.svc { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; }
.svc p { color: var(--muted); font-size: .95rem; flex: 1; }
.svc .btn { align-self: flex-start; padding: 10px 18px; font-size: .88rem; }
.carriers { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.carrier-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-bottom: 16px; }
.carrier-list span { border: 1px solid var(--line); background: var(--white); border-radius: 8px; padding: 14px; text-align: center; font-weight: 600; color: var(--navy); font-size: .9rem; }
.note { font-size: .85rem; color: var(--muted); }

/* Schedule + contact */
.appt-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.appt { border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; background: var(--white); cursor: pointer; transition: border-color .15s, box-shadow .15s; display: block; }
.appt:hover { border-color: var(--sky); }
.appt { position: relative; }
.appt input { position: absolute; top: 0; left: 0; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.appt:has(input:checked) { border-color: var(--navy); box-shadow: 0 0 0 2px var(--sky); }
.appt h3 { font-size: 1.15rem; }
.appt p { margin: 0; color: var(--muted); font-size: .92rem; }
.cal-embed { min-height: 520px; width: 100%; overflow: auto; border-top: 1px solid var(--line); padding-top: 20px; }
.two-col { display: grid; grid-template-columns: 1.6fr 1fr; gap: 40px; align-items: start; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 36px; box-shadow: var(--shadow); }
.side-card { background: var(--mist); border-radius: 14px; padding: 30px; margin-bottom: 20px; }
.side-card h3 { font-size: 1.15rem; }
.hours { width: 100%; border-collapse: collapse; font-size: .92rem; }
.hours td { padding: 6px 0; }
.hours td:last-child { text-align: right; color: var(--muted); }
.form-grid { display: grid; gap: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
label { display: grid; gap: 8px; font-size: .88rem; font-weight: 600; color: var(--navy); }
input, select, textarea {
  width: 100%; font: inherit; font-size: .95rem; color: var(--text); padding: 12px 15px;
  border: 1px solid rgba(27,58,112,.2); border-radius: 6px; background: var(--white);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(125,179,209,.4); }
textarea { min-height: 130px; resize: vertical; }
.hp { position: absolute; left: -9999px; }
.form-msg { display: none; padding: 14px 16px; border-radius: 6px; font-weight: 600; }
.form-msg.ok { display: block; background: #e6f4ea; color: #1e5b32; }
.form-msg.err { display: block; background: #fdecea; color: #8a1f17; }

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.75); padding: 72px 0 28px; font-size: .92rem; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.site-footer .brand-name { color: var(--white); }
.site-footer .brand-sub { color: var(--sky); }
.site-footer h4 { color: var(--white); font-size: .75rem; letter-spacing: .2em; margin: 0 0 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--white); }
.foot-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 48px; padding-top: 22px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .82rem; }

/* Quote form */
.q-section { display: grid; gap: 20px; padding-top: 26px; border-top: 1px solid var(--line); }
.q-section:first-of-type { padding-top: 0; border-top: 0; }
.q-section[hidden] { display: none; }
.q-section h2 { font-size: 1.35rem; margin: 0; }
.q-section .form-row { align-items: end; }
.choice-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.choice { padding: 18px; }
.choice h3 { font-size: 1.05rem; margin-bottom: .2em; }
.opt { font-weight: 400; color: var(--muted); font-size: .8rem; }
.check-group { border: 0; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.check-group legend { font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: 10px; padding: 0; }
.check { display: inline-flex; align-items: center; gap: 8px; font-weight: 500; color: var(--text); }
.check input { width: 18px; height: 18px; accent-color: var(--navy); }
.privacy-note {
  position: relative; margin: 0; padding: 14px 16px 14px 48px;
  background: #fff6db; border: 1px solid #f2d27a; border-left: 4px solid #e0a800; border-radius: 8px;
  color: #5c4500; font-size: .92rem; line-height: 1.5;
}
.privacy-note strong { color: #3f2f00; }
.privacy-note::before {
  content: ""; position: absolute; left: 16px; top: 15px; width: 20px; height: 20px;
  background: no-repeat center / contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b38600' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='11' width='16' height='10' rx='2'/%3E%3Cpath d='M8 11V7a4 4 0 0 1 8 0v4'/%3E%3C/svg%3E");
}
.steps { margin: 0; padding-left: 20px; color: var(--muted); }
.steps li { margin-bottom: 8px; }

/* Legal pages */
.prose { max-width: 780px; color: var(--text); }
.prose h2 { font-size: 1.5rem; margin: 2em 0 .6em; }
.prose h3 { font-size: 1.1rem; margin: 1.4em 0 .4em; }
.prose p, .prose li { color: var(--muted); }
.prose ul { padding-left: 22px; margin: 0 0 1em; }
.prose li { margin-bottom: 6px; }
.prose li ul { margin: 6px 0 0; }
.prose strong { color: var(--text); }
.foot-legal a { margin-left: 14px; }
.disclosure { margin: 18px 0 0; font-size: .74rem; line-height: 1.6; color: rgba(255,255,255,.55); }
.disclosure a { text-decoration: underline; }
.prose .disclosure { color: var(--muted); font-size: .9rem; margin: 0 0 1em; }

/* WhatsApp chat button */
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 60;
  display: inline-flex; align-items: center; gap: 10px;
  padding: 12px 18px 12px 14px; border-radius: 999px;
  background: #25D366; color: #fff; text-decoration: none; font-weight: 700; font-size: .92rem;
  box-shadow: 0 8px 24px rgba(18, 35, 63, .25); transition: transform .15s, box-shadow .15s;
}
.wa-float:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(18, 35, 63, .3); }
.wa-float svg { width: 26px; height: 26px; flex-shrink: 0; }

/* Chat assistant */
.chat-launch {
  position: fixed; right: 20px; bottom: 20px; z-index: 60; border: 0; cursor: pointer; font: inherit;
  display: inline-flex; align-items: center; gap: 10px; padding: 12px 18px 12px 14px; border-radius: 999px;
  background: var(--navy); color: var(--white); font-weight: 600; box-shadow: 0 8px 22px rgba(18, 35, 63, .28);
  transition: transform .15s, box-shadow .15s;
}
.chat-launch:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(18, 35, 63, .34); }
.chat-launch svg { width: 24px; height: 24px; }
.chat-launch.hidden { display: none; }
.chat {
  position: fixed; right: 20px; bottom: 20px; z-index: 70; width: min(380px, calc(100vw - 32px)); height: min(600px, calc(100vh - 40px));
  display: flex; flex-direction: column; background: var(--white); border-radius: 16px; overflow: hidden;
  box-shadow: 0 18px 48px rgba(18, 35, 63, .3); border: 1px solid var(--line);
}
.chat[hidden] { display: none; }
.chat-head { display: flex; align-items: center; gap: 10px; padding: 12px 14px; background: var(--navy); color: var(--white); }
.chat-head svg { width: 34px; height: 34px; flex-shrink: 0; }
.chat-head div { display: grid; line-height: 1.2; }
.chat-head span { font-size: .75rem; color: var(--sky); }
.chat-close { margin-left: auto; background: none; border: 0; color: var(--white); font-size: 1.6rem; line-height: 1; cursor: pointer; padding: 4px 8px; }
.chat-log { flex: 1; overflow-y: auto; padding: 16px 14px; display: flex; flex-direction: column; gap: 10px; background: var(--mist); }
.msg { max-width: 86%; padding: 10px 13px; border-radius: 14px; font-size: .92rem; line-height: 1.45; overflow-wrap: anywhere; }
.msg.bot { background: var(--white); color: var(--text); border: 1px solid var(--line); border-bottom-left-radius: 4px; align-self: flex-start; }
.msg.me { background: var(--navy); color: var(--white); border-bottom-right-radius: 4px; align-self: flex-end; }
.msg.typing { color: var(--muted); letter-spacing: .2em; }
.chat-controls { padding: 12px 14px; border-top: 1px solid var(--line); max-height: 52%; overflow-y: auto; background: var(--white); }
.chat-controls:empty { display: none; }
.chat-choices { display: flex; flex-wrap: wrap; gap: 8px; }
.chat-btn {
  font: inherit; font-size: .88rem; font-weight: 600; padding: 8px 13px; border-radius: 999px; cursor: pointer; text-decoration: none;
  border: 1.5px solid var(--navy); background: var(--white); color: var(--navy); text-align: left;
}
.chat-btn:hover { background: var(--mist); }
.chat-btn.primary { background: var(--navy); color: var(--white); }
.chat-btn.toggle.on { background: var(--sky); border-color: var(--sky); color: var(--navy-deep); }
.chat-btn.toggle.on::before { content: "✓ "; }
.chat-btn:disabled { opacity: .5; cursor: default; }
.chat-form { display: grid; gap: 9px; }
.chat-form label { gap: 4px; font-size: .78rem; }
.chat-form input { padding: 9px 11px; font-size: .92rem; }

/* Responsive */
@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav { display: none; position: absolute; top: 76px; left: 0; right: 0; background: var(--white); flex-direction: column; align-items: stretch; gap: 0; padding: 10px 24px 22px; border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; }
  .nav .btn { justify-content: center; margin-top: 10px; }
  .cov-card, .split, .carriers, .two-col, .appt-grid { grid-template-columns: 1fr; }
  .cov-card:nth-child(even) .cov-img { order: 0; }
  .cov-img { min-height: 240px; }
  .cov-body { padding: 30px; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 72px 0; }
}
@media (max-width: 560px) {
  .wrap { padding: 0 16px; }
  .topbar .tag-text, .topbar .loc { display: none; }
  .topbar .wrap { justify-content: flex-end; }
  .promo-bar .wrap { flex-direction: column; align-items: flex-start; gap: 8px; }
  .give-stats { grid-template-columns: 1fr; }
  .give-head { flex-direction: column; gap: 2px; }
  .give-amt { text-align: left; }
  .stats { gap: 28px; }
  .mini-grid, .form-row, .foot-grid { grid-template-columns: 1fr; }
  .carrier-list { grid-template-columns: 1fr 1fr; }
  .panel { padding: 24px; }
  .wa-float { right: 16px; bottom: 16px; padding: 14px; }
  .choice-row { grid-template-columns: 1fr; }
  .wa-float span { display: none; }
  .chat-launch { right: 16px; bottom: 16px; }
  .chat { right: 8px; bottom: 8px; width: calc(100vw - 16px); height: calc(100dvh - 16px); }
}