/* ===========================================================
   Legends Elite Solutions — shared stylesheet
   Palette derived from brand logo
   =========================================================== */

:root {
  --navy: #355393;
  --navy-dark: #1F2E52;
  --navy-darker: #16213D;
  --ink: #E9EDF6;
  --slate: #A9B6D2;
  --line: rgba(255,255,255,0.14);
  --paper: #FFFFFF;
  --surface: #1F2E52;
  --fog: rgba(255,255,255,0.045);
  --fog-2: rgba(255,255,255,0.09);
  --gold: #B08D3E;
  --gold-light: #F4EBD6;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --container: 1680px;
  --radius: 10px;
  --shadow: 0 12px 32px rgba(0, 0, 0, 0.35);
  --shadow-sm: 0 4px 14px rgba(0, 0, 0, 0.28);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--navy-darker);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 0.5em;
  color: var(--paper);
}

p { margin: 0 0 1em; color: var(--slate); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.eyebrow-lg {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 600;
  line-height: 1.15;
  color: var(--gold);
  margin-bottom: 14px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 6px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-darker);
  border-color: var(--gold);
}
.btn-primary:hover { background: #c39d49; border-color: #c39d49; transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  color: var(--paper);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline:hover { border-color: var(--paper); background: rgba(255,255,255,0.08); }
.btn-navy {
  background: transparent;
  color: var(--paper);
  border-color: rgba(255,255,255,0.4);
}
.btn-navy:hover { background: rgba(255,255,255,0.08); border-color: var(--paper); }
.nav-cta .btn-navy { background: var(--gold); border-color: var(--gold); color: var(--navy-darker); }
.nav-cta .btn-navy:hover { background: var(--gold-light); border-color: var(--gold-light); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy-darker);
  border-bottom: 1px solid var(--navy-dark);
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 26px 0;
  gap: 40px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 41px; width: auto; }
.brand-word {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 2.1rem;
  color: var(--navy);
  letter-spacing: 0.02em;
}
.brand-badge {
  font-family: var(--font-body);
  font-weight: 800;
  font-style: italic;
  font-size: 1.15rem;
  color: var(--navy);
  background: var(--paper);
  border: 2px solid var(--navy);
  padding: 4px 10px;
  letter-spacing: 0.02em;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--paper);
  position: relative;
  padding: 4px 0;
  white-space: nowrap;
}
.nav-links a:hover { color: var(--gold-light); }
.nav-links a.active { color: var(--gold-light); }
.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold);
}
.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-phone {
  font-weight: 600;
  font-size: 1.2rem;
  color: var(--paper);
  display: flex;
  align-items: center;
  gap: 6px;
}
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--paper);
  margin: 5px 0;
}

/* ---------- Hero ---------- */
.hero {
  background:
    linear-gradient(155deg, rgba(22,33,61,0.88) 0%, rgba(31,46,82,0.82) 55%, rgba(53,83,147,0.75) 100%),
    url("../img/hero-bg.jpg") center 65% / cover no-repeat;
  color: var(--paper);
  position: relative;
  overflow: hidden;
  padding: 0;
  min-height: calc(100vh - 109px);
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: stretch;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 82% 18%, rgba(176,141,62,0.16), transparent 45%),
    radial-gradient(circle at 8% 90%, rgba(255,255,255,0.06), transparent 40%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  width: 100%;
  padding-top: 40px;
  padding-bottom: 84px;
  padding-left: 0;
}
.hero-kicker {
  width: 100%;
  padding: 0 24px;
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 600;
  font-size: 2.85rem;
  line-height: 1.1;
  text-align: center;
  color: #C9D3E8;
  margin: 0 0 40px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 48px;
  align-items: center;
}
.hero-form-panel { align-self: start; min-width: 0; }
.hero-copy { text-align: left; align-self: start; min-width: 0; }
.hero-legacy {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(4.5rem, 7.5vw, 7rem);
  line-height: 1.05;
  color: var(--gold);
  margin-bottom: 32px;
}
.hero-tag {
  font-size: 1.5rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 700;
  color: #C9D3E8;
  margin-bottom: 30px;
}
.hero h1 {
  color: var(--paper);
  font-size: clamp(3.2rem, 5.5vw, 5.2rem);
  margin: 0 0 30px;
}
.hero p.lead {
  color: #D6DDEC;
  font-size: 1.7rem;
  margin: 0 0 38px;
}
.hero-strip {
  border-top: 1px solid rgba(255,255,255,0.14);
  margin-top: 46px;
  padding-top: 28px;
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  gap: 16px 38px;
}
.hero-strip span {
  font-size: 1rem;
  font-weight: 600;
  color: #C9D3E8;
  display: flex;
  align-items: center;
  gap: 8px;
}
.hero-strip span::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  display: inline-block;
}

/* ---------- Hero quote form panel ---------- */
.hero-form-panel {
  position: relative;
  background: rgba(10, 14, 26, 0.55);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 26px;
  padding: 64px;
  box-shadow: var(--shadow);
}
.hero-form-panel h3 {
  font-size: 2.3rem;
  margin-bottom: 12px;
}
.hero-form-panel > p {
  color: #C9D3E8;
  font-size: 1.2rem;
  margin-bottom: 34px;
}
.hero-quote-form { display: flex; flex-direction: column; gap: 20px; }
.name-row { display: flex; gap: 16px; }
.name-row input { min-width: 0; }
.hero-quote-form input[type="text"],
.hero-quote-form input[type="email"],
.hero-quote-form input[type="tel"] {
  width: 100%;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 30px;
  padding: 21px 28px;
  font-family: var(--font-body);
  font-size: 1.2rem;
  color: var(--paper);
}
.hero-quote-form input::placeholder { color: #8C97B4; }
.hero-quote-form input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(176,141,62,0.2);
}
.coverage-field { position: relative; }
.coverage-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 30px;
  padding: 21px 28px;
  font-family: var(--font-body);
  font-size: 1.2rem;
  color: var(--paper);
  cursor: pointer;
  text-align: left;
}
.coverage-toggle:focus { outline: none; border-color: var(--gold); }
.coverage-toggle .chevron { transition: transform 0.2s ease; flex-shrink: 0; margin-left: 10px; }
.coverage-toggle.open .chevron { transform: rotate(180deg); }
.coverage-dropdown {
  position: absolute;
  left: 0;
  right: 0;
  top: calc(100% + 8px);
  background: var(--navy-darker);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 14px;
  padding: 12px 22px;
  box-shadow: var(--shadow);
  z-index: 20;
}
.coverage-dropdown label {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 0;
  font-size: 1.02rem;
  color: var(--paper);
  cursor: pointer;
}
.coverage-dropdown label + label { border-top: 1px solid rgba(255,255,255,0.08); }
.coverage-dropdown input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--gold);
  cursor: pointer;
}
.schedule-call-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(176,141,62,0.1);
  border: 1px solid rgba(176,141,62,0.4);
  border-radius: 30px;
  padding: 21px 28px;
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--gold-light);
  cursor: pointer;
}
.schedule-call-box:hover { background: rgba(176,141,62,0.18); border-color: var(--gold); }
.schedule-call-box input[type="checkbox"] {
  width: 20px;
  height: 20px;
  accent-color: var(--gold);
  cursor: pointer;
  flex-shrink: 0;
}
.hero-form-submit { width: 100%; margin-top: 8px; font-size: 1.2rem; padding: 20px 28px; }

/* ---------- Page header (interior pages) ---------- */
.page-hero {
  background: linear-gradient(155deg, var(--navy-darker) 0%, var(--navy) 100%);
  color: var(--paper);
  padding: 72px 0 64px;
}
.page-hero .eyebrow { color: #C9D3E8; }
.page-hero h1 { color: var(--paper); font-size: clamp(2rem, 4vw, 2.8rem); max-width: 760px; }
.page-hero p { color: #D6DDEC; max-width: 640px; font-size: 1.05rem; }
.breadcrumb {
  font-size: 0.85rem;
  color: #A9B6D2;
  margin-bottom: 18px;
}
.breadcrumb a:hover { color: var(--paper); }

.page-hero.centered { text-align: center; }
.page-hero.centered .container { display: flex; flex-direction: column; align-items: center; }
.page-hero.centered p { max-width: 640px; }
.page-hero .title-nowrap { white-space: nowrap; max-width: none; }
@media (max-width: 640px) {
  .page-hero .title-nowrap { white-space: normal; }
}

/* ---------- Section basics ---------- */
section { padding: 88px 0; }
.section-tight { padding: 64px 0; }
.section-alt { background: var(--navy-darker); }
.section-navy { background: var(--navy-darker); color: var(--paper); }
.section-navy h2, .section-navy h3 { color: var(--paper); }
.section-navy p { color: #C9D3E8; }

.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
#independent-coverage .eyebrow { font-size: 1.37rem; }
#independent-coverage .section-head h2 { font-size: clamp(2.99rem, 5.27vw, 4.04rem); }
#independent-coverage .section-head p { font-size: 1.76rem; line-height: 1.6; }
#our-story .eyebrow { font-size: 1.01rem; }
#our-story .section-head h2 { font-size: clamp(2.87rem, 5.07vw, 3.89rem); }
#our-story .section-head p { font-size: 1.3rem; line-height: 1.6; }
#why-us .section-head { max-width: none; }
#why-us .section-head h2 { font-size: clamp(3.4rem, 6vw, 4.6rem); white-space: nowrap; }
#coverage .section-head h2 { font-size: clamp(3.2rem, 5.5vw, 5.2rem); }
#coverage .section-head p { font-size: 1.7rem; }
#why .eyebrow-lg { font-size: 34px; }
#why .split h2 { font-size: clamp(3.2rem, 5.5vw, 5.2rem); }
#why .split p { font-size: 1.7rem; line-height: 1.5; }
#quote .section-head .eyebrow { font-size: 1.755rem; }
#quote .section-head h2 { font-size: clamp(2.55rem, 4.5vw, 3.45rem); }
#quote .section-head p { font-size: 1.5rem; }
@media (max-width: 640px) {
  #why-us .section-head h2 { white-space: normal; }
}

/* ---------- Feature stat strip ---------- */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--surface);
}
.stat-item {
  padding: 30px 20px;
  text-align: center;
  border-right: 1px solid var(--line);
}
.stat-item:last-child { border-right: none; }
.stat-item strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--paper);
  margin-bottom: 4px;
}
.stat-item span { font-size: 0.82rem; color: var(--slate); }

/* ---------- Two column ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split .media {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 4/3;
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-darker) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.media-mark {
  width: 74%;
}
.split h2 { font-size: clamp(2.06rem, 3.24vw, 2.71rem); }
.split p { font-size: 1.14rem; line-height: 1.7; }

/* ---------- Card grids ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: box-shadow .2s ease, transform .2s ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card .icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  color: var(--gold);
}
.card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.card p { font-size: 0.95rem; margin-bottom: 18px; }
.card a.card-link {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.card a.card-link:hover { color: var(--gold-light); }

/* Coverage cards specific */
.coverage-hint { text-align: center; color: var(--slate); font-size: 1.7rem; margin: 0 0 28px; }
.coverage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.coverage-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px;
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.coverage-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.coverage-card.open {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  transform: none;
}
.coverage-card-trigger {
  display: flex;
  flex-direction: column;
  width: 100%;
  padding: 0;
  margin: 0;
  background: none;
  border: 0;
  border-radius: 0;
  -webkit-appearance: none;
  appearance: none;
  text-align: left;
  cursor: pointer;
  font: inherit;
  color: inherit;
}
.coverage-card-trigger:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
}
.coverage-card-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 12px; }
.coverage-card-toggle {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.6rem;
  line-height: 1;
  transition: transform .25s ease;
}
.coverage-card.open .coverage-card-toggle {
  transform: rotate(45deg);
}
.coverage-card h3 { font-size: 1.7rem; margin-bottom: 8px; }
.coverage-card-sum { font-size: 1.7rem; color: var(--slate); margin: 0; }
.coverage-card-detail { display: none; }
.coverage-card-detail p { font-size: 0.9rem; color: var(--slate); margin-bottom: 14px; }
.coverage-card-link { font-size: 0.85rem; font-weight: 700; color: var(--gold); }
.coverage-card-link:hover { color: var(--gold-light); }

/* Coverage modal (expanded card takes over the center of the page) */
.coverage-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  visibility: hidden;
  opacity: 0;
  transition: opacity .25s ease, visibility 0s linear .25s;
}
.coverage-modal.open {
  visibility: visible;
  opacity: 1;
  transition: opacity .25s ease;
}
.coverage-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(22, 33, 61, 0.82);
}
.coverage-modal-panel {
  position: relative;
  width: 100%;
  max-width: 930px;
  max-height: 88vh;
  overflow-y: auto;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 60px 56px;
  transform: translateY(16px) scale(.97);
  opacity: 0;
  transition: transform .25s ease, opacity .25s ease;
}
.coverage-modal.open .coverage-modal-panel {
  transform: none;
  opacity: 1;
}
.coverage-modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: none;
  color: var(--slate);
  font-size: 24px;
  line-height: 1;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  -webkit-appearance: none;
  appearance: none;
  transition: border-color .2s ease, color .2s ease;
}
.coverage-modal-close:hover { border-color: var(--gold); color: var(--gold); }
.coverage-modal-icon { margin-bottom: 20px; }
.coverage-modal-panel h3 { font-size: 2rem; margin-bottom: 16px; padding-right: 36px; }
.coverage-modal-sum { font-size: 1.2rem; color: var(--gold-light); margin-bottom: 24px; }
.coverage-modal-detail { padding-top: 24px; border-top: 1px solid var(--line); }
.coverage-modal-detail p { font-size: 1.1rem; color: var(--slate); line-height: 1.65; margin-bottom: 24px; }
.coverage-modal-detail .coverage-card-link { font-size: 1.05rem; }
body.coverage-modal-open { overflow: hidden; }
@media (max-width: 640px) {
  .coverage-modal-panel { padding: 36px 26px; max-height: 88vh; }
}
@media (prefers-reduced-motion: reduce) {
  .coverage-card, .coverage-card:hover { transition: none; transform: none; }
  .coverage-modal, .coverage-modal-panel { transition: none; }
}

/* ---------- Process steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; counter-reset: step; }
.step { position: relative; padding-left: 8px; }
.step .num {
  font-family: var(--font-display);
  font-size: 2.6rem;
  -webkit-text-stroke: 1.5px var(--gold);
  color: transparent;
  margin-bottom: 10px;
  line-height: 1;
}
.step h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step p { font-size: 0.92rem; }

/* ---------- Testimonial / trust ---------- */
.quote-block {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 52px;
  box-shadow: var(--shadow-sm);
}
.quote-block p.quote-text {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--paper);
  font-style: italic;
  margin-bottom: 18px;
}
.quote-block .attribution { font-size: 1.14rem; color: var(--slate); font-weight: 600; }

.note-card {
  background: var(--fog);
  border: 1px dashed var(--line);
  border-radius: var(--radius);
  padding: 28px;
  font-size: 0.92rem;
  color: var(--slate);
}

/* ---------- Learning / Blog ---------- */
.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.article-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--surface);
  display: flex;
  flex-direction: column;
}
.article-thumb {
  height: 150px;
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-darker) 100%);
}
.article-card .body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.article-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.article-card p { font-size: 0.9rem; flex: 1; }
.article-card a { font-size: 0.85rem; font-weight: 700; color: var(--gold); margin-top: 10px; }
.article-card a:hover { color: var(--gold-light); }

/* ---------- Advisor / About ---------- */
.advisor-card {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 40px;
  align-items: center;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.advisor-photo {
  width: 100%;
  aspect-ratio: 1;
  border-radius: 50%;
  background: var(--fog-2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--slate);
  font-size: 0.85rem;
  text-align: center;
  border: 2px dashed var(--line);
}

/* ---------- Lists with checks ---------- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { padding: 24px 0; border-bottom: 1px solid var(--line); }
.faq-item:last-child { border-bottom: none; }
.faq-item h3 { font-size: 1.05rem; margin-bottom: 8px; }
.faq-item p { margin: 0; color: var(--slate); font-size: 0.95rem; }

.check-list { list-style: none; margin: 0 0 1em; padding: 0; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: var(--ink);
  font-size: 0.98rem;
}
.check-list li::before {
  content: "";
  flex: 0 0 auto;
  width: 20px; height: 20px;
  margin-top: 2px;
  border-radius: 50%;
  background: var(--gold-light);
  border: 1px solid var(--gold);
  background-image: linear-gradient(45deg, transparent 65%, var(--gold) 65%, var(--gold) 75%, transparent 75%),
                     linear-gradient(-45deg, transparent 60%, var(--gold) 60%, var(--gold) 70%, transparent 70%);
}

/* Sub-list of coverage types (personal lines / business insurance pages) */
.coverage-list-block { margin-bottom: 44px; }
.coverage-list-block h3 {
  font-size: 1.2rem;
  border-bottom: 2px solid var(--gold);
  padding-bottom: 10px;
  margin-bottom: 20px;
  display: inline-block;
}
.definition-list { display: grid; gap: 16px; }
.definition-list .term-row {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 20px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}
.definition-list .term-row strong { color: var(--paper); font-size: 0.98rem; }
.definition-list .term-row p { margin: 0; font-size: 0.92rem; }

/* ---------- Property type tags ---------- */
.tag-cloud { display: flex; flex-wrap: wrap; gap: 10px; }
.tag-cloud span,
.tag-cloud a {
  background: var(--fog);
  border: 1px solid var(--line);
  border-radius: 30px;
  padding: 9px 18px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--paper);
}
.tag-cloud a {
  text-decoration: none;
  transition: background 0.15s ease, border-color 0.15s ease;
}
.tag-cloud a:hover,
.tag-cloud a:focus-visible {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(155deg, var(--navy-darker) 0%, var(--navy) 100%);
  border-radius: 16px;
  padding: 56px;
  color: var(--paper);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.cta-banner h2 { color: var(--paper); margin-bottom: 6px; font-size: 1.7rem; }
.cta-banner p { color: #C9D3E8; margin: 0; }

/* ---------- Form ---------- */
.form-wrap {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-grid .full { grid-column: 1 / -1; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 4px; }
.field label { font-size: 0.85rem; font-weight: 600; color: var(--paper); }
.field label .req { color: var(--gold); }
.field input, .field select, .field textarea {
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--paper);
  background: rgba(255,255,255,0.05);
}
.field select option { background: var(--navy-dark); color: var(--paper); }
.field input::placeholder, .field textarea::placeholder { color: var(--slate); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(176,141,62,0.2);
}
.radio-row { display: flex; gap: 22px; flex-wrap: wrap; margin-top: 4px; }
.radio-row label { display: flex; align-items: center; gap: 8px; font-size: 0.92rem; color: var(--ink); font-weight: 500; }
.form-legal { font-size: 0.8rem; color: var(--slate); margin-top: 18px; }
.form-submit { margin-top: 8px; }

.contact-info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}
.contact-info-card {
  background: var(--fog);
  border-radius: var(--radius);
  padding: 26px;
  min-width: 0;
}
.contact-info-card .value { overflow-wrap: break-word; }
.contact-info-card .label {
  font-size: 1.17rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
  display: block;
}
.contact-info-card .value { font-size: 1.65rem; font-weight: 700; color: var(--paper); }
.contact-info-card .value a:hover { color: var(--gold); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-darker);
  color: #B9C3DA;
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand img { height: 38px; margin-bottom: 16px; margin-left: -8px; }
.footer-brand p { color: #93A0BC; font-size: 0.9rem; max-width: 280px; }
.footer-phone {
  display: inline-block;
  margin-top: 10px;
  padding: 10px 0;
  font-weight: 700;
  color: var(--paper);
  font-size: 1rem;
}
.footer-col h4 {
  color: var(--paper);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col ul li { margin-bottom: 2px; font-size: 0.92rem; }
.footer-col ul li a { display: block; padding: 9px 0; }
.footer-col ul li a:hover { color: var(--paper); }
.footer-bottom {
  padding-top: 26px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: #7C89A6;
}
.footer-bottom a { color: #7C89A6; }
.footer-bottom a:hover { color: var(--paper); }
.footer-legal-links { display: flex; gap: 18px; flex-wrap: wrap; }

/* ---------- Legal page ---------- */
.legal-content h2 { margin-top: 40px; font-size: 1.25rem; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--slate); font-size: 0.98rem; }
.legal-content { max-width: 780px; }

/* ---------- Responsive ---------- */
@media (max-width: 1150px) {
  .nav-links, .nav-phone { display: none; }
  .hamburger { display: block; }
  .nav-links.nav-open {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-darker);
    padding: 16px 24px 22px;
    border-bottom: 1px solid var(--navy-dark);
    box-shadow: var(--shadow);
  }
  .nav-links.nav-open a { padding: 10px 0; width: 100%; }
  .nav-phone.nav-open { display: flex; }
  .nav-row { position: relative; flex-wrap: wrap; gap: 12px; padding: 16px 0; }
}
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero { min-height: 0; }
  .hero-inner { padding-left: 24px; }
  .hero-kicker { margin: 0 0 8px; font-size: 1.7rem; }
  .hero-legacy { font-size: clamp(2.2rem, 8vw, 2.8rem); margin-bottom: 16px; }
  .hero-tag { font-size: 1rem; margin-bottom: 16px; }
  .hero h1 { font-size: clamp(1.8rem, 7vw, 2.4rem); margin-bottom: 16px; }
  .hero p.lead { font-size: 1.15rem; margin-bottom: 28px; }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .card-grid, .coverage-grid, .article-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .stat-grid { grid-template-columns: repeat(3, 1fr); }
  .stat-item:nth-child(3) { border-right: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .advisor-card { grid-template-columns: 1fr; text-align: center; }
  .advisor-photo { width: 160px; margin: 0 auto; }
  .form-grid { grid-template-columns: 1fr; }
  .definition-list .term-row { grid-template-columns: 1fr; gap: 4px; }
}
@media (max-width: 640px) {
  .card-grid, .coverage-grid, .article-grid, .steps, .stat-grid, .contact-info-grid { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--line); }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 36px 24px; }
  .hero-inner { padding-top: 28px; padding-bottom: 56px; }
  .page-hero h1 { font-size: clamp(1.5rem, 7vw, 1.8rem); }
  .page-hero h1 span { font-size: inherit !important; }
  section { padding: 56px 0; }
  #why-us .section-head h2,
  #coverage .section-head h2,
  #independent-coverage .section-head h2,
  #our-story .section-head h2 { font-size: clamp(1.9rem, 8vw, 2.5rem); }
  #independent-coverage .section-head p { font-size: 1.2rem; }
  #coverage .section-head p, .coverage-hint, .coverage-card h3, .coverage-card-sum { font-size: 1.1rem; }
  #our-story .section-head p { font-size: 1.1rem; }
  #why .split h2 { font-size: clamp(1.9rem, 8vw, 2.5rem); }
  .split h2 { font-size: clamp(1.7rem, 7vw, 2.2rem); }
  #why .split p, #why .eyebrow-lg { font-size: 1.15rem; }
}