/* Marcussen Insurance — redesign concept by WebologyWORX */
:root{
  --navy:#0f2a4a;
  --navy-2:#163a63;
  --blue:#1d5fa8;
  --blue-50:#eef4fb;
  --blue-100:#dbe7f5;
  --red:#d6312b;
  --red-dark:#b4241f;
  --ink:#0f1b2a;
  --body:#41505f;
  --muted:#6b7a89;
  --line:#e3e8ee;
  --bg:#ffffff;
  --bg-soft:#f6f8fb;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 1px 2px rgba(15,27,42,.06),0 8px 24px rgba(15,27,42,.06);
  --shadow-lg:0 2px 4px rgba(15,27,42,.06),0 20px 48px rgba(15,27,42,.12);
  --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:var(--body);background:var(--bg);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--navy)}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em;font-weight:800}
h1{font-size:clamp(2.2rem,5.2vw,3.8rem)}
h2{font-size:clamp(1.75rem,3.4vw,2.6rem)}
h3{font-size:1.25rem;letter-spacing:-.01em;font-weight:700}
h4{font-size:1rem;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section-sm{padding:64px 0}
.soft{background:var(--bg-soft)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--red);border-radius:2px}
.lead{font-size:1.15rem;color:var(--body);max-width:640px}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.section-head{margin-bottom:48px}
.section-head.center .eyebrow{justify-content:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:1rem;padding:15px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:all .2s ease;font-family:inherit;line-height:1}
.btn svg{width:18px;height:18px}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-dark);color:#fff;transform:translateY(-1px);box-shadow:0 10px 24px rgba(214,49,43,.3)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{color:var(--navy);transform:translateY(-1px)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-outline{border-color:var(--line);color:var(--navy);background:#fff}
.btn-outline:hover{border-color:var(--blue);color:var(--blue)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Top bar */
.topbar{background:var(--navy);color:#cfdbea;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px}
.topbar a{color:#fff;font-weight:600;white-space:nowrap}
.topbar .tb-short{display:none}
.topbar .tb-left{display:flex;gap:22px;flex-wrap:wrap}
.topbar span{display:inline-flex;align-items:center;gap:7px}
.topbar svg{width:15px;height:15px;opacity:.8}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px;gap:20px}
.logo img{height:58px;width:auto}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links > li{position:relative}
.nav-links > li > a{display:flex;align-items:center;gap:4px;color:var(--ink);font-weight:600;font-size:.95rem;padding:10px 14px;border-radius:999px}
.nav-links > li > a:hover,.nav-links > li > a.active{background:var(--blue-50);color:var(--blue)}
.nav-links .chev{width:14px;height:14px;opacity:.6}
.dropdown{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:all .18s ease;list-style:none;margin:0}
.nav-links > li:hover .dropdown,.nav-links > li:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);font-size:.93rem;font-weight:500}
.dropdown a:hover{background:var(--bg-soft);color:var(--blue)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{padding:12px 20px;font-size:.95rem}
.menu-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer;color:var(--ink)}
.menu-toggle svg{width:26px;height:26px}

/* Mobile nav */
.mobile-nav{display:none}
@media (max-width:1040px){
  .nav-links,.nav-cta .btn-outline{display:none}
  .menu-toggle{display:block}
  .mobile-nav{display:block;position:fixed;inset:0;top:0;background:#fff;z-index:100;transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;padding:20px 24px 40px}
  .mobile-nav.open{transform:none}
  .mobile-nav .mn-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
  .mobile-nav .mn-head img{height:44px}
  .mobile-nav ul{list-style:none;margin:0;padding:0}
  .mobile-nav li a{display:block;padding:14px 4px;border-bottom:1px solid var(--line);color:var(--ink);font-weight:600;font-size:1.05rem}
  .mobile-nav li.sub a{padding-left:18px;font-weight:500;font-size:.98rem;color:var(--body)}
  .mobile-nav .btn{width:100%;margin-top:20px}
}
@media (max-width:560px){
  .nav-cta .btn-red{display:none}
  .logo img{height:42px}
  .nav{height:68px}
  .topbar .tb-hide{display:none}
}

/* Hero */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,30,55,.95) 0%,rgba(10,30,55,.85) 42%,rgba(10,30,55,.35) 100%)}
.hero .container{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-top:96px;padding-bottom:104px}
.hero h1{color:#fff}
.hero h1 .accent{color:#ff6b5f}
.hero .lead{color:#d6e2ef;font-size:1.2rem}
.hero .eyebrow{color:#ff8a80}
.hero .eyebrow::before{background:#ff8a80}
.hero-stats{display:flex;gap:36px;margin-top:40px;flex-wrap:wrap}
.hero-stats div strong{display:block;font-size:2rem;font-weight:800;color:#fff;letter-spacing:-.02em;line-height:1.1}
.hero-stats div span{font-size:.88rem;color:#b9c9db}
.quote-card{background:#fff;color:var(--body);border-radius:20px;padding:30px;box-shadow:var(--shadow-lg)}
.quote-card h3{margin-bottom:4px}
.quote-card p.small{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.type-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}
.type-grid label{cursor:pointer}
.type-grid input{position:absolute;opacity:0}
.type-grid .tile{display:flex;flex-direction:column;align-items:center;gap:6px;padding:14px 6px;border:1.5px solid var(--line);border-radius:12px;font-size:.82rem;font-weight:600;color:var(--ink);transition:all .15s}
.type-grid .tile svg{width:24px;height:24px;color:var(--blue)}
.type-grid input:checked + .tile{border-color:var(--blue);background:var(--blue-50);color:var(--blue)}
.type-grid label:hover .tile{border-color:var(--blue-100)}
.field{margin-bottom:14px}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;font-family:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);transition:border .15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.quote-card .btn{width:100%}
.fine{font-size:.8rem;color:var(--muted);margin-top:12px;text-align:center}

/* Page hero (inner) */
.page-hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.page-hero .hero-bg::after{background:linear-gradient(90deg,rgba(10,30,55,.95),rgba(10,30,55,.7))}
.page-hero .container{position:relative;padding-top:80px;padding-bottom:80px}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.2rem);max-width:780px}
.page-hero .lead{color:#d6e2ef}
.page-hero .eyebrow{color:#ff8a80}
.page-hero .eyebrow::before{background:#ff8a80}
.crumbs{font-size:.85rem;color:#a9bdd3;margin-bottom:18px}
.crumbs a{color:#d6e2ef}

/* Trust strip */
.trust{border-bottom:1px solid var(--line);background:#fff}
.trust .container{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding-top:28px;padding-bottom:28px}
.trust-item{display:flex;gap:14px;align-items:center}
.trust-item .ic{flex:none;width:46px;height:46px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.trust-item .ic svg{width:22px;height:22px}
.trust-item strong{display:block;color:var(--ink);font-size:.98rem;line-height:1.3}
.trust-item span{font-size:.85rem;color:var(--muted)}

/* Cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:all .2s ease}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:var(--blue-100)}
.card .ic{width:52px;height:52px;border-radius:14px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;margin-bottom:18px}
.card .ic svg{width:26px;height:26px}
.card.red .ic{background:#fdeceb;color:var(--red)}
.card p{font-size:.96rem;margin-bottom:0}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-weight:700;font-size:.92rem}
.card .more svg{width:16px;height:16px;transition:transform .15s}
.card:hover .more svg{transform:translateX(3px)}

.photo-card{position:relative;border-radius:var(--radius);overflow:hidden;min-height:320px;display:flex;align-items:flex-end;color:#fff;background:var(--navy)}
.photo-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.photo-card:hover img{transform:scale(1.04)}
.photo-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,55,0) 30%,rgba(10,30,55,.92) 100%)}
.photo-card .pc-body{position:relative;z-index:1;padding:26px}
.photo-card h3{color:#fff;margin-bottom:6px}
.photo-card p{color:#d6e2ef;font-size:.94rem;margin:0}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.rev .split-media{order:2}
.split-media{position:relative}
.split-media img{border-radius:20px;width:100%;aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow-lg)}
.badge-float{position:absolute;bottom:-22px;left:-22px;background:#fff;border-radius:16px;padding:18px 22px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:14px}
.badge-float strong{font-size:1.9rem;color:var(--red);font-weight:800;line-height:1}
.badge-float span{font-size:.85rem;color:var(--ink);font-weight:600;line-height:1.3}
.checks{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;color:var(--ink);font-weight:500}
.checks li svg{flex:none;width:22px;height:22px;color:#fff;background:var(--blue);border-radius:50%;padding:4px;margin-top:2px}
.checks.two{grid-template-columns:1fr 1fr}

/* Steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{position:relative;background:#fff;border-radius:var(--radius);padding:32px 28px;border:1px solid var(--line)}
.step::before{counter-increment:step;content:"0" counter(step);font-size:.85rem;font-weight:800;color:var(--red);letter-spacing:.1em;display:block;margin-bottom:14px}

/* Callout band */
.band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 60%,var(--blue) 140%);color:#fff;border-radius:24px;padding:56px;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.band h2{color:#fff}
.band p{color:#d6e2ef}
.band .umb{position:absolute;right:-60px;top:-60px;width:320px;opacity:.07;color:#fff}
.band .btn-row{justify-content:flex-end}

/* Discounts */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 16px;font-weight:600;color:var(--ink);font-size:.93rem}
.chip svg{width:16px;height:16px;color:var(--red)}

/* Reviews */
.rating-head{display:flex;align-items:center;gap:16px;justify-content:center;margin-top:8px}
.stars{display:inline-flex;gap:2px;color:#f5a623}
.stars svg{width:18px;height:18px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:16px}
.review p{color:var(--ink);font-size:1rem;margin:0;flex:1}
.review .who{display:flex;align-items:center;gap:12px;font-size:.9rem}
.avatar{width:42px;height:42px;border-radius:50%;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;font-weight:800;font-size:.95rem;flex:none}
.review .who strong{display:block;color:var(--ink)}
.review .who span{color:var(--muted);font-size:.82rem}

/* Carriers */
.carriers{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.carrier{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 10px;text-align:center;font-weight:700;color:var(--navy);font-size:.92rem;letter-spacing:-.01em}
table.ctable{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.ctable th,.ctable td{text-align:left;padding:16px 22px;border-bottom:1px solid var(--line)}
.ctable th{background:var(--bg-soft);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.ctable tr:last-child td{border-bottom:0}
.ctable td:first-child{font-weight:700;color:var(--ink)}
.ctable td a{font-weight:600;white-space:nowrap}

/* Visit */
.visit{display:grid;grid-template-columns:1fr 1.2fr;gap:0;border-radius:24px;overflow:hidden;border:1px solid var(--line);background:#fff;box-shadow:var(--shadow)}
.visit-info{padding:44px}
.visit iframe{width:100%;height:100%;min-height:420px;border:0;display:block;background:var(--blue-50)}
.info-list{list-style:none;padding:0;margin:0 0 24px;display:grid;gap:18px}
.info-list li{display:flex;gap:14px}
.info-list .ic{flex:none;width:42px;height:42px;border-radius:10px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.info-list .ic svg{width:20px;height:20px}
.info-list strong{display:block;color:var(--ink);font-size:.95rem}
.info-list span,.info-list a{font-size:.95rem}
.hours{width:100%;border-collapse:collapse;font-size:.95rem}
.hours td{padding:7px 0;border-bottom:1px dashed var(--line)}
.hours td:last-child{text-align:right;color:var(--ink);font-weight:600}
.hours tr.closed td:last-child{color:var(--muted);font-weight:500}

/* Team */
.team-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center}
.team-card .avatar{width:84px;height:84px;font-size:1.6rem;margin:0 auto 16px;background:linear-gradient(135deg,var(--blue-50),var(--blue-100))}
.team-card h4{margin-bottom:2px;font-size:1.08rem}
.team-card .role{font-size:.88rem;color:var(--muted);margin-bottom:12px}
.team-card a{font-size:.8rem;font-weight:600;overflow-wrap:anywhere}

/* Timeline */
.timeline{position:relative;display:grid;gap:28px;padding-left:28px;border-left:2px solid var(--blue-100)}
.tl-item{position:relative}
.tl-item::before{content:"";position:absolute;left:-36px;top:6px;width:14px;height:14px;border-radius:50%;background:var(--red);box-shadow:0 0 0 5px #fff}
.tl-item strong{color:var(--red);font-size:.85rem;letter-spacing:.08em;text-transform:uppercase}
.tl-item h4{margin:4px 0}
.tl-item p{margin:0;font-size:.96rem}

/* Coverage detail */
.cov{display:grid;grid-template-columns:1fr 1.3fr;gap:48px;align-items:start;padding:56px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.cov:last-child{border-bottom:0}
.cov img{border-radius:18px;aspect-ratio:4/3;object-fit:cover;width:100%}
.cov .tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--blue-50);color:var(--blue);padding:5px 10px;border-radius:999px;margin-bottom:12px}
.cov-nav{position:sticky;top:80px;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
.cov-nav .container{display:flex;gap:6px;overflow-x:auto;padding-top:12px;padding-bottom:12px;scrollbar-width:none}
.cov-nav a{flex:none;padding:8px 14px;border-radius:999px;font-weight:600;font-size:.9rem;color:var(--ink);border:1px solid var(--line)}
.cov-nav a:hover{border-color:var(--blue);color:var(--blue)}
.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.mini{background:var(--bg-soft);border-radius:14px;padding:22px}
.mini .ic{width:42px;height:42px;border-radius:10px;background:#fff;color:var(--blue);display:grid;place-items:center;margin-bottom:12px}
.mini .ic svg{width:20px;height:20px}
.mini h4{margin-bottom:4px}
.mini p{font-size:.92rem;margin:0}

/* FAQ */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 24px;transition:box-shadow .15s}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:700;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;font-weight:400;color:var(--blue);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 20px}

/* Service requests */
.svc{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;cursor:pointer;transition:all .2s;text-align:left;font-family:inherit;width:100%}
.svc:hover,.svc.active{border-color:var(--blue);box-shadow:var(--shadow)}
.svc .ic{flex:none;width:50px;height:50px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.svc .ic svg{width:24px;height:24px}
.svc h3{font-size:1.08rem;margin-bottom:4px}
.svc p{font-size:.92rem;margin:0}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:var(--shadow)}
.notice{display:flex;gap:12px;background:#fff7e6;border:1px solid #fde3a7;color:#7a5200;border-radius:12px;padding:14px 16px;font-size:.9rem;margin-bottom:24px}
.notice svg{flex:none;width:20px;height:20px}
.success{display:none;text-align:center;padding:30px 10px}
.success .ic{width:64px;height:64px;border-radius:50%;background:#e7f6ee;color:#1d8a4f;display:grid;place-items:center;margin:0 auto 14px}
.success .ic svg{width:32px;height:32px}

/* Glossary */
.alpha{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:28px}
.alpha a{width:38px;height:38px;display:grid;place-items:center;border-radius:10px;border:1px solid var(--line);font-weight:700;color:var(--ink);font-size:.9rem}
.alpha a:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.alpha a.off{opacity:.35;pointer-events:none}
.gloss-search{position:relative;max-width:520px;margin-bottom:22px}
.gloss-search input{width:100%;padding:15px 18px 15px 48px;border:1.5px solid var(--line);border-radius:999px;font-family:inherit;font-size:1rem}
.gloss-search input:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.gloss-search svg{position:absolute;left:17px;top:50%;transform:translateY(-50%);width:20px;height:20px;color:var(--muted)}
.gloss-letter{font-size:2rem;color:var(--blue);margin:36px 0 12px;scroll-margin-top:100px}
.term{padding:18px 0;border-bottom:1px solid var(--line)}
.term h4{margin-bottom:4px;font-size:1.05rem}
.term p{margin:0;font-size:.97rem}

/* CTA band */
.cta{background:var(--red);color:#fff;position:relative;overflow:hidden}
.cta .container{display:flex;justify-content:space-between;align-items:center;gap:32px;padding-top:56px;padding-bottom:56px;position:relative}
.cta h2{color:#fff;margin-bottom:6px}
.cta p{margin:0;color:#ffe3e1;font-size:1.1rem}
.cta .umb{position:absolute;left:-40px;bottom:-90px;width:300px;opacity:.1;color:#fff}

/* Footer */
.site-footer{background:#0a1e37;color:#a9bdd3;font-size:.94rem}
.site-footer .container{padding-top:72px;padding-bottom:28px}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:48px}
.f-logo{background:#fff;display:inline-block;padding:12px 16px;border-radius:12px;margin-bottom:18px}
.f-logo img{height:44px}
.site-footer h4{color:#fff;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.site-footer a{color:#cfdbea}
.site-footer a:hover{color:#fff}
.f-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem}
.f-legal{font-size:.78rem;color:#7f95ad;margin-top:16px;line-height:1.55}

/* Mobile call bar */
.callbar{display:none}
@media (max-width:700px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(15,27,42,.08);padding:10px;gap:10px}
  .callbar .btn{padding:13px 10px;font-size:.95rem}
  body{padding-bottom:72px}
}

/* Reveal */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}*{transition:none!important;scroll-behavior:auto!important}}

/* Responsive */
@media (max-width:1040px){
  .hero .container{grid-template-columns:1fr;gap:40px;padding-top:64px;padding-bottom:72px}
  .g4,.carriers{grid-template-columns:repeat(3,1fr)}
  .trust .container{grid-template-columns:repeat(2,1fr)}
  .f-grid{grid-template-columns:1fr 1fr}
  .band{grid-template-columns:1fr;padding:40px}
  .band .btn-row{justify-content:flex-start}
  .visit{grid-template-columns:1fr}
  .visit iframe{min-height:340px}
}
@media (max-width:820px){
  .section{padding:72px 0}
  .g3,.steps,.mini-grid{grid-template-columns:1fr 1fr}
  .split,.cov{grid-template-columns:1fr;gap:36px}
  .split.rev .split-media{order:0}
  .cta .container{flex-direction:column;align-items:flex-start}
  .badge-float{left:16px;bottom:-18px}
}
@media (max-width:600px){
  body{font-size:16px}
  .container{padding:0 18px}
  .section{padding:60px 0}
  .g2,.g3,.g4,.steps,.mini-grid,.checks.two{grid-template-columns:1fr}
  .carriers{grid-template-columns:repeat(2,1fr)}
  .trust .container{grid-template-columns:1fr;gap:16px}
  .f-grid{grid-template-columns:1fr}
  .hero-stats{gap:24px}
  .hero-stats div strong{font-size:1.6rem}
  .quote-card,.form-card,.visit-info{padding:24px}
  .band{padding:30px 24px}
  .field-row{grid-template-columns:1fr}
  .ctable th,.ctable td{padding:13px 14px;font-size:.92rem}
  .topbar .tb-left > span:not(:first-child){display:none}
  .topbar .tb-long{display:none}.topbar .tb-short{display:inline}
}