/* ═══════════════════════════════════════════════════════════
   ATSI INSURANCE GROUP - Design System
   Clean, modern, Lemonade-inspired aesthetic
   ═══════════════════════════════════════════════════════════ */

/* ── CSS Custom Properties ── */
:root {
  --navy: #1B2A4A;
  --navy-light: #243556;
  --blue: #2E75B6;
  --blue-light: #3A8FD4;
  --accent: #E8792F;
  --accent-hover: #D06A25;
  --white: #FFFFFF;
  --off-white: #F5F7FA;
  --light-gray: #EEF1F5;
  --med-gray: #D1D5DB;
  --text-dark: #333333;
  --text-mid: #555555;
  --text-light: #666666;
  --success: #2ECC71;
  --error: #E74C3C;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: all 0.25s ease;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --max-width: 1200px;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent); }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: 2.5rem; margin-bottom: 1rem; }
h2 { font-size: 1.875rem; margin-bottom: 0.875rem; font-weight: 600; }
h3 { font-size: 1.375rem; margin-bottom: 0.75rem; font-weight: 600; }
h4 { font-size: 1.125rem; margin-bottom: 0.5rem; font-weight: 600; }
p { margin-bottom: 1rem; color: var(--text-mid); }
.text-accent { color: var(--accent); }
.text-blue { color: var(--blue); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.text-center { text-align: center; }
.font-semibold { font-weight: 600; }
.font-bold { font-weight: 700; }

/* ── Layout ── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section { padding: 5rem 0; }
.section--gray { background: var(--off-white); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy p { color: rgba(255,255,255,0.85); }
.section--navy h2, .section--navy h3 { color: var(--white); }
.grid { display: grid; gap: 2rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.flex { display: flex; }
.flex-center { align-items: center; justify-content: center; }
.flex-between { align-items: center; justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }
.gap-4 { gap: 2rem; }

/* ═══════════════════════════════════════════════════════════
   HEADER & NAVIGATION
   ═══════════════════════════════════════════════════════════ */
.top-bar {
  background: var(--navy);
  color: var(--white);
  padding: 0.5rem 0;
  font-size: 0.85rem;
}
.top-bar a { color: var(--white); }
.top-bar a:hover { color: var(--accent); }
.top-bar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.top-bar__phone {
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.top-bar__links { display: flex; gap: 1.5rem; }

.header {
  background: var(--white);
  border-bottom: 1px solid var(--light-gray);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}
.header--scrolled { box-shadow: var(--shadow-md); }
.header__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0.75rem 1.5rem;
}
.header__logo {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.header__logo span { color: var(--accent); }

/* Navigation */
.nav { display: flex; align-items: center; gap: 0.25rem; }
.nav__item {
  position: relative;
  padding: 0.5rem 0.75rem;
  color: var(--text-dark);
  font-weight: 500;
  font-size: 0.95rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav__item:hover { color: var(--accent); background: var(--off-white); }
.nav__item--active { color: var(--accent); }

/* Dropdown */
.nav__dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 0.75rem 0;
  min-width: 240px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: var(--transition);
  z-index: 100;
}
.nav__item:hover .nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav__dropdown a {
  display: block;
  padding: 0.5rem 1.25rem;
  color: var(--text-dark);
  font-size: 0.9rem;
  font-weight: 400;
  transition: var(--transition);
}
.nav__dropdown a:hover {
  background: var(--off-white);
  color: var(--accent);
  padding-left: 1.5rem;
}
.nav__dropdown-label {
  display: block;
  padding: 0.25rem 1.25rem 0.5rem;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-light);
}
.nav__dropdown-divider {
  height: 1px;
  background: var(--light-gray);
  margin: 0.5rem 0;
}
.header__cta {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.header__phone {
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
  display: flex;
  align-items: center;
  gap: 0.3rem;
}

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 0.5rem;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: var(--transition);
  border-radius: 2px;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile nav overlay */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 999;
  padding: 5rem 1.5rem 2rem;
  overflow-y: auto;
}
.mobile-nav.active { display: block; }
.mobile-nav__close {
  position: absolute;
  top: 1rem;
  right: 1.5rem;
  background: none;
  border: none;
  font-size: 1.75rem;
  color: var(--navy);
  cursor: pointer;
}
.mobile-nav a {
  display: block;
  padding: 0.875rem 0;
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--text-dark);
  border-bottom: 1px solid var(--light-gray);
}
.mobile-nav a:hover { color: var(--accent); }
.mobile-nav__section-title {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-light);
  padding-top: 1rem;
  padding-bottom: 0.25rem;
}

/* ═══════════════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 2rem;
  font-family: var(--font);
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  line-height: 1.2;
}
.btn--primary {
  background: var(--accent);
  color: var(--white);
  border-color: var(--accent);
}
.btn--primary:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(232,121,47,0.35);
}
.btn--secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--secondary:hover {
  background: var(--navy);
  color: var(--white);
}
.btn--white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn--white:hover {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn--phone {
  background: var(--success);
  color: var(--white);
  border-color: var(--success);
}
.btn--phone:hover {
  background: #27ae60;
  border-color: #27ae60;
  color: var(--white);
}
.btn--sm { padding: 0.6rem 1.25rem; font-size: 0.875rem; }
.btn--lg { padding: 1.1rem 2.5rem; font-size: 1.125rem; }
.btn--full { width: 100%; }
.btn--icon { gap: 0.75rem; }
.btn--text {
  background: transparent;
  color: var(--white, #fff);
  border: 2px solid var(--white, #fff);
}
.btn--text:hover {
  background: rgba(255,255,255,0.15);
}

/* ═══════════════════════════════════════════════════════════
   HERO SECTIONS
   ═══════════════════════════════════════════════════════════ */
.hero {
  position: relative;
  padding: 5rem 0 4rem;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(ellipse, rgba(46,117,182,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero__badge {
  display: inline-block;
  background: rgba(232,121,47,0.15);
  color: var(--accent);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
  border: 1px solid rgba(232,121,47,0.3);
}
.hero h1 {
  font-size: 2.75rem;
  color: var(--white);
  margin-bottom: 1.25rem;
  line-height: 1.15;
}
.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 2rem;
  max-width: 560px;
}
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Service hero (smaller) */
.hero--service { padding: 3.5rem 0 3rem; }
.hero--service h1 { font-size: 2.25rem; }
.hero--service .hero__inner { grid-template-columns: 1fr 380px; }

/* City hero (smallest) */
.hero--city { padding: 3rem 0 2.5rem; }
.hero--city h1 { font-size: 2rem; }

/* ═══════════════════════════════════════════════════════════
   CARDS
   ═══════════════════════════════════════════════════════════ */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  border: 1px solid var(--light-gray);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.card--flat { box-shadow: none; border: 1px solid var(--med-gray); }
.card--flat:hover { box-shadow: var(--shadow-sm); }
.card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
  color: var(--blue);
}
.card__title {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.card__text { font-size: 0.95rem; color: var(--text-light); margin-bottom: 1rem; }
.card__link {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.card__link:hover { gap: 0.5rem; }
.card__link::after { content: '\2192'; }

/* State selector cards (homepage) */
.state-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  text-align: center;
  border: 2px solid var(--light-gray);
  transition: var(--transition);
  cursor: pointer;
}
.state-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.state-card__flag { font-size: 3rem; margin-bottom: 1rem; }
.state-card__name { font-size: 1.5rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.state-card__desc { font-size: 0.95rem; color: var(--text-light); margin-bottom: 1.25rem; }

/* ═══════════════════════════════════════════════════════════
   QUOTE FORM
   ═══════════════════════════════════════════════════════════ */
.quote-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
}
.quote-form--hero {
  border: 1px solid rgba(255,255,255,0.15);
}
.quote-form__title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.5rem;
  text-align: center;
}
.quote-form__subtitle {
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 1.5rem;
  text-align: center;
}
.form-group {
  margin-bottom: 1rem;
}
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 0.35rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--med-gray);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.95rem;
  color: var(--text-dark);
  transition: var(--transition);
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(46,117,182,0.15);
}
.form-group input::placeholder { color: var(--med-gray); }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.quote-form .btn { margin-top: 0.5rem; }
.quote-form__trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 1rem;
  font-size: 0.8rem;
  color: var(--text-light);
}

/* ═══════════════════════════════════════════════════════════
   TRUST BAR / CARRIER LOGOS
   ═══════════════════════════════════════════════════════════ */
.trust-bar {
  padding: 2.5rem 0;
  background: var(--white);
  border-bottom: 1px solid var(--light-gray);
}
.trust-bar__label {
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-light);
  margin-bottom: 1.5rem;
}
.trust-bar__logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-bar__logo {
  height: 36px;
  opacity: 0.5;
  filter: grayscale(100%);
  transition: var(--transition);
}
.trust-bar__logo:hover { opacity: 1; filter: grayscale(0%); }

/* ═══════════════════════════════════════════════════════════
   BENEFITS / FEATURES
   ═══════════════════════════════════════════════════════════ */
.benefit {
  text-align: center;
  padding: 2rem 1.5rem;
}
.benefit__icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--off-white), var(--light-gray));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.75rem;
}
.benefit__title { font-size: 1.2rem; font-weight: 700; margin-bottom: 0.5rem; }
.benefit__text { font-size: 0.95rem; color: var(--text-light); }

/* Stats row */
.stats { display: flex; justify-content: center; gap: 4rem; padding: 3rem 0; flex-wrap: wrap; }
.stat { text-align: center; }
.stat__number { font-size: 2.5rem; font-weight: 800; color: var(--accent); line-height: 1; margin-bottom: 0.25rem; }
.stat__label { font-size: 0.9rem; color: var(--text-light); font-weight: 500; }

/* ═══════════════════════════════════════════════════════════
   COVERAGE / CONTENT SECTIONS
   ═══════════════════════════════════════════════════════════ */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.coverage-item {
  display: flex;
  gap: 1rem;
  padding: 1.25rem;
  background: var(--off-white);
  border-radius: var(--radius-md);
}
.coverage-item__icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--blue);
  box-shadow: var(--shadow-sm);
}
.coverage-item__title { font-weight: 600; font-size: 1rem; margin-bottom: 0.25rem; }
.coverage-item__text { font-size: 0.875rem; color: var(--text-light); margin-bottom: 0; }

/* Content with sidebar layout */
.content-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3rem;
  align-items: start;
}
.content-main { min-width: 0; }
.content-sidebar { position: sticky; top: 6rem; }

/* ═══════════════════════════════════════════════════════════
   FAQ ACCORDION
   ═══════════════════════════════════════════════════════════ */
.faq { max-width: 800px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--light-gray);
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 0;
  background: none;
  border: none;
  font-family: var(--font);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
  transition: var(--transition);
}
.faq-question:hover { color: var(--accent); }
.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--accent);
  transition: var(--transition);
  flex-shrink: 0;
  margin-left: 1rem;
}
.faq-item.active .faq-question::after { content: '\2212'; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-answer__inner {
  padding-bottom: 1.25rem;
  font-size: 0.95rem;
  color: var(--text-light);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════════════════════
   TESTIMONIALS
   ═══════════════════════════════════════════════════════════ */
.testimonial {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
}
.testimonial__stars { color: #F5A623; font-size: 1.1rem; margin-bottom: 0.75rem; letter-spacing: 2px; }
.testimonial__text { font-size: 1rem; color: var(--text-mid); font-style: italic; margin-bottom: 1rem; line-height: 1.7; }
.testimonial__author { font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.testimonial__location { font-size: 0.85rem; color: var(--text-light); }

/* ═══════════════════════════════════════════════════════════
   CTA BANNER
   ═══════════════════════════════════════════════════════════ */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 4rem 0;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  width: 120%;
  height: 100%;
  background: radial-gradient(ellipse at center, rgba(232,121,47,0.08), transparent 70%);
  transform: translateX(-50%);
}
.cta-banner h2 { color: var(--white); font-size: 2rem; margin-bottom: 0.75rem; }
.cta-banner p { color: rgba(255,255,255,0.8); font-size: 1.1rem; margin-bottom: 2rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-banner__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; position: relative; z-index: 1; }

/* ═══════════════════════════════════════════════════════════
   BLOG CARDS
   ═══════════════════════════════════════════════════════════ */
.blog-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.blog-card__image {
  height: 200px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.3);
  font-size: 3rem;
}
.blog-card__body { padding: 1.5rem; }
.blog-card__tag {
  display: inline-block;
  background: var(--off-white);
  color: var(--blue);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.25rem 0.75rem;
  border-radius: 50px;
  margin-bottom: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.blog-card__title { font-size: 1.15rem; font-weight: 600; color: var(--navy); margin-bottom: 0.5rem; line-height: 1.35; }
.blog-card__excerpt { font-size: 0.9rem; color: var(--text-light); margin-bottom: 1rem; }
.blog-card__meta { font-size: 0.8rem; color: var(--med-gray); }

/* ═══════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding: 4rem 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
}
.footer__brand { max-width: 280px; }
.footer__logo {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 1rem;
}
.footer__logo span { color: var(--accent); }
.footer__desc { font-size: 0.9rem; line-height: 1.7; margin-bottom: 1.25rem; }
.footer__heading {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white);
  margin-bottom: 1.25rem;
}
.footer__contact {
  font-size: 0.95rem;
  line-height: 1.7;
}
.footer__contact a {
  color: inherit;
  text-decoration: none;
}
.footer__contact a:hover {
  text-decoration: underline;
}
.footer__links { list-style: none; }
.footer__links li { margin-bottom: 0.6rem; }
.footer__links a { color: rgba(255,255,255,0.65); font-size: 0.9rem; transition: var(--transition); }
.footer__links a:hover { color: var(--accent); padding-left: 4px; }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
}
.footer__bottom a { color: rgba(255,255,255,0.5); }
.footer__bottom a:hover { color: var(--accent); }

/* ═══════════════════════════════════════════════════════════
   BREADCRUMBS
   ═══════════════════════════════════════════════════════════ */
.breadcrumb {
  padding: 0.75rem 0;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  position: relative;
  z-index: 1;
}
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { margin: 0 0.4rem; }

/* ═══════════════════════════════════════════════════════════
   MOBILE STICKY CTA
   ═══════════════════════════════════════════════════════════ */
.mobile-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--white);
  padding: 0.75rem 1rem;
  box-shadow: 0 -4px 12px rgba(0,0,0,0.1);
  z-index: 900;
  gap: 0.75rem;
}
/* Fix Text Us button visibility in sticky bottom bar */
.mobile-cta .btn--text {
  color: var(--primary, #1a2b4a);
  border-color: var(--primary, #1a2b4a);
}
.mobile-cta .btn--text:hover {
  background: rgba(26,43,74,0.1);
}
.mobile-cta .btn { flex: 1; padding: 0.75rem; font-size: 0.9rem; }

/* ═══════════════════════════════════════════════════════════
   THANK YOU PAGE
   ═══════════════════════════════════════════════════════════ */
.thankyou {
  text-align: center;
  padding: 5rem 0;
  max-width: 600px;
  margin: 0 auto;
}
.thankyou__icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--success);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  margin: 0 auto 1.5rem;
}
.thankyou h1 { font-size: 2rem; margin-bottom: 0.75rem; }
.thankyou p { font-size: 1.1rem; color: var(--text-light); }

/* ═══════════════════════════════════════════════════════════
   ABOUT PAGE
   ═══════════════════════════════════════════════════════════ */
.about-values {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.value-card {
  text-align: center;
  padding: 2.5rem 1.5rem;
  border-radius: var(--radius-lg);
  background: var(--off-white);
}
.value-card__icon { font-size: 2.5rem; margin-bottom: 1rem; }
.value-card__title { font-size: 1.15rem; font-weight: 700; margin-bottom: 0.5rem; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE DESIGN
   ═══════════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero--service .hero__inner { grid-template-columns: 1fr; }
  .quote-form--hero { max-width: 480px; }
  .content-layout { grid-template-columns: 1fr; }
  .content-sidebar { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  html { font-size: 15px; }
  h1 { font-size: 1.875rem; }
  h2 { font-size: 1.5rem; }
  .section { padding: 3.5rem 0; }
  .hero { padding: 3rem 0 2.5rem; }
  .hero h1 { font-size: 2rem; }
  .hero--service h1 { font-size: 1.75rem; }

  .nav { display: none; }
  .header__cta .btn { display: none; }
  .hamburger { display: flex; }
  .mobile-cta { display: flex; }

  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
  .stats { gap: 2rem; }
  .stat__number { font-size: 2rem; }
  .about-values { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; gap: 0.75rem; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .trust-bar__logos { gap: 1.5rem; }

  body { padding-bottom: 4.5rem; }

  /* Hide File a Claim from top bar on mobile */
  .top-bar__links a[href="/claims"] { display: none; }
  /* Hide Text Us from top bar on mobile (already in sticky bottom bar) */
  .top-bar a[href*="sms"] { display: none; }
  /* Compact top bar on mobile */
  .top-bar { font-size: 0.75rem; }
  .top-bar__inner { padding: 0 0.75rem; }
  .top-bar__links { gap: 0.75rem; }
  .top-bar__phone { font-size: 0.8rem; }
  /* Hide phone number from main header on mobile - it is in top bar and bottom sticky bar */
  .header__phone { display: none; }
  .header__cta { gap: 0.5rem; }
  /* Fix mobile menu covering: menu should appear ABOVE the sticky header */
  .mobile-nav { z-index: 1001; padding-top: 4rem; }

}

@media (max-width: 480px) {
  h1 { font-size: 1.625rem; }
  .hero h1 { font-size: 1.75rem; }
  .container { padding: 0 1rem; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; }
  .cta-banner__actions { flex-direction: column; align-items: center; }
  .cta-banner__actions .btn { width: 100%; max-width: 320px; }
}

/* ═══════════════════════════════════════════════════════════
   UTILITY CLASSES
   ═══════════════════════════════════════════════════════════ */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mx-auto { margin-left: auto; margin-right: auto; }
.max-w-lg { max-width: 800px; }
.max-w-md { max-width: 640px; }
.hidden { display: none; }


/* Blog card clickable hover effect */
.blog-card {
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  cursor: pointer;
}
a:has(.blog-card) {
  text-decoration: none;
  color: inherit;
  display: block;
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
}