/* ==========================================================================
   Red Maple Insurance Group - Design System & Modern Responsive Stylesheet
   Version: 2.0 (Modernized Production Rebuild)
   WCAG 2.1 AA Compliant | Mobile-First Responsive Architecture
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & Root Variables
   -------------------------------------------------------------------------- */
:root {
  /* Brand Color Palette */
  --color-primary: #8b1e23;        /* Deep Maple Crimson */
  --color-primary-hover: #73171b;  /* Darker Crimson */
  --color-primary-light: #ab252b;  /* Bright Maple Red */
  --color-primary-soft: #fbf2f2;   /* Maple Tint Background */
  
  --color-navy: #0f1e36;           /* Midnight Navy Blue */
  --color-navy-dark: #091322;      /* Deep Midnight Dark */
  --color-navy-light: #1e3a66;     /* Slate Cobalt */
  --color-navy-soft: #edf3fa;      /* Navy Soft Tint */
  
  --color-accent-gold: #d97706;    /* Warm Amber Gold */
  --color-accent-gold-light: #f59e0b; /* Bright Gold */
  --color-accent-green: #059669;   /* Trust / Success Green */
  
  /* Neutrals & Surfaces */
  --color-text-main: #1e293b;      /* Slate 800 */
  --color-text-muted: #475569;     /* Slate 600 */
  --color-text-light: #94a3b8;     /* Slate 400 */
  --color-surface-white: #ffffff;
  --color-surface-subtle: #f8fafc;  /* Slate 50 */
  --color-surface-alt: #f1f5f9;     /* Slate 100 */
  --color-border: #e2e8f0;         /* Slate 200 */
  --color-border-hover: #cbd5e1;   /* Slate 300 */

  /* Typography System */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-serif: "Georgia", Cambria, "Times New Roman", Times, serif;
  
  --font-size-xs: 0.75rem;    /* 12px */
  --font-size-sm: 0.875rem;   /* 14px */
  --font-size-base: 1rem;     /* 16px */
  --font-size-md: 1.125rem;   /* 18px */
  --font-size-lg: 1.25rem;    /* 20px */
  --font-size-xl: 1.5rem;     /* 24px */
  --font-size-2xl: 1.875rem;  /* 30px */
  --font-size-3xl: 2.25rem;   /* 36px */
  --font-size-4xl: 3rem;      /* 48px */
  
  --line-height-tight: 1.2;
  --line-height-snug: 1.35;
  --line-height-base: 1.6;
  --line-height-relaxed: 1.75;
  
  /* Fluid Spacing & Shadows */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-full: 9999px;
  
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.05);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.04);
  
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);
  
  --focus-ring: 0 0 0 3px rgba(139, 30, 35, 0.35);
  --container-max: 1240px;
}

/* --------------------------------------------------------------------------
   2. Reset & Document Essentials
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: var(--line-height-base);
  color: var(--color-text-main);
  background-color: var(--color-surface-white);
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: clip; /* Fix for overflow without disabling position: sticky */
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

img, picture, svg, video {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  background: none;
  border: none;
}

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-primary-hover);
}

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-navy);
  font-weight: 700;
  line-height: var(--line-height-tight);
  overflow-wrap: break-word;
}

h1 {
  font-size: clamp(2rem, 3.5vw + 1rem, 3.25rem);
  letter-spacing: -0.025em;
}

h2 {
  font-size: clamp(1.6rem, 2.5vw + 0.5rem, 2.25rem);
  letter-spacing: -0.02em;
}

h3 {
  font-size: clamp(1.25rem, 1.5vw + 0.5rem, 1.625rem);
}

h4 {
  font-size: 1.125rem;
}

p {
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

p:last-child {
  margin-bottom: 0;
}

strong {
  color: var(--color-navy);
  font-weight: 600;
}

ul, ol {
  padding-inline-start: 1.25rem;
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

li {
  margin-bottom: 0.375rem;
}

/* --------------------------------------------------------------------------
   3. Container & Layout Utilities
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: clamp(1rem, 3vw, 2rem);
}

.section {
  padding-block: clamp(3rem, 6vw, 5.5rem);
}

.section-subtle {
  background-color: var(--color-surface-subtle);
}

.section-navy {
  background-color: var(--color-navy);
  color: var(--color-surface-white);
}

.section-navy h2, .section-navy h3, .section-navy strong {
  color: var(--color-surface-white);
}

.section-navy p {
  color: #cbd5e1;
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin-inline: auto;
  margin-bottom: clamp(2rem, 4vw, 3.5rem);
}

.section-header p {
  font-size: var(--font-size-md);
  margin-top: 0.75rem;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.25rem 0.75rem;
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-radius: var(--radius-full);
  margin-bottom: 0.75rem;
}

.section-tag-navy {
  background-color: rgba(255, 255, 255, 0.12);
  color: #fbbf24;
}

/* Grid Layouts */
.grid {
  display: grid;
  gap: clamp(1rem, 2.5vw, 2rem);
}

.grid-2 {
  grid-template-columns: 1fr;
}

.grid-3 {
  grid-template-columns: 1fr;
}

.grid-4 {
  grid-template-columns: 1fr;
}

@media (min-width: 640px) {
  .grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 768px) {
  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
  .grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

.flex {
  display: flex;
}

.items-center {
  align-items: center;
}

.justify-between {
  justify-content: space-between;
}

.justify-center {
  justify-content: center;
}

.gap-2 { gap: var(--space-2); }
.gap-3 { gap: var(--space-3); }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }

/* --------------------------------------------------------------------------
   4. Buttons & Interactive Controls
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  font-weight: 600;
  font-size: var(--font-size-base);
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  transition: all var(--transition-base);
  text-decoration: none;
  min-height: 48px; /* Ergonomic touch target */
  min-width: 48px;
  cursor: pointer;
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--color-primary);
  color: var(--color-surface-white);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover, .btn-primary:focus-visible {
  background-color: var(--color-primary-hover);
  color: var(--color-surface-white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-secondary {
  background-color: var(--color-navy);
  color: var(--color-surface-white);
}

.btn-secondary:hover, .btn-secondary:focus-visible {
  background-color: var(--color-navy-light);
  color: var(--color-surface-white);
  transform: translateY(-1px);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--color-border-hover);
  color: var(--color-navy);
}

.btn-outline:hover, .btn-outline:focus-visible {
  border-color: var(--color-primary);
  color: var(--color-primary);
  background-color: var(--color-primary-soft);
}

.btn-outline-white {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--color-surface-white);
}

.btn-outline-white:hover, .btn-outline-white:focus-visible {
  border-color: var(--color-surface-white);
  background-color: rgba(255, 255, 255, 0.15);
  color: var(--color-surface-white);
}

.btn-accent {
  background-color: var(--color-accent-gold);
  color: #ffffff;
}

.btn-accent:hover {
  background-color: #b45309;
  color: #ffffff;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: var(--font-size-sm);
  min-height: 40px;
}

.btn-lg {
  padding: 0.875rem 2rem;
  font-size: var(--font-size-md);
  min-height: 54px;
}

/* --------------------------------------------------------------------------
   5. Utility Top Bar & Sticky Header
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--color-navy);
  color: #cbd5e1;
  font-size: var(--font-size-sm);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: 0.5rem;
}

.top-bar a {
  color: #e2e8f0;
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
}

.top-bar a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.top-bar-content {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem 1.5rem;
}

.top-bar-items {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.25rem;
}

.top-bar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  color: #fbbf24;
  font-weight: 600;
}

/* STICKY HEADER - Strict rule: must stay pinned at every scroll position */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04);
  transition: padding var(--transition-fast);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: 1.5rem;
}

.brand-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
  text-decoration: none;
}

.brand-logo {
  width: auto;
  height: 56px;
  max-width: 220px;
  object-fit: contain;
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-name {
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--color-navy);
  line-height: 1.1;
  letter-spacing: -0.01em;
}

.brand-tagline {
  font-size: 0.75rem;
  color: var(--color-primary);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Desktop Navigation */
.desktop-nav {
  display: none;
  align-items: center;
  gap: 0.5rem;
}

@media (min-width: 1024px) {
  .desktop-nav {
    display: flex;
  }
}

.nav-link {
  padding: 0.625rem 0.875rem;
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-navy);
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.nav-link:hover {
  color: var(--color-primary);
  background-color: var(--color-surface-subtle);
}

.nav-link.active {
  color: var(--color-primary);
  background-color: var(--color-primary-soft);
}

.nav-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  inset-inline-start: 0;
  min-width: 240px;
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  padding: 0.5rem;
  display: none;
  flex-direction: column;
  z-index: 1050;
  animation: fadeIn 150ms ease-out forwards;
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  display: flex;
}

.dropdown-link {
  padding: 0.625rem 0.875rem;
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text-main);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.dropdown-link:hover {
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
}

.dropdown-link.active {
  color: var(--color-primary);
  font-weight: 700;
  background-color: var(--color-primary-soft);
}

.nav-actions {
  display: none;
  align-items: center;
  gap: 0.75rem;
}

@media (min-width: 1024px) {
  .nav-actions {
    display: flex;
  }
}

/* Mobile Nav Toggle */
.mobile-menu-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  color: var(--color-navy);
  background-color: var(--color-surface-subtle);
  border: 1px solid var(--color-border);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.mobile-menu-btn:hover {
  background-color: var(--color-surface-alt);
  color: var(--color-primary);
}

@media (min-width: 1024px) {
  .mobile-menu-btn {
    display: none;
  }
}

/* Mobile Off-Canvas Drawer */
.mobile-drawer-backdrop {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  z-index: 2000;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}

.mobile-drawer-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  inset-inline-end: 0;
  width: 100%;
  max-width: 380px;
  height: 100vh;
  background-color: var(--color-surface-white);
  z-index: 2010;
  box-shadow: -10px 0 25px rgba(0, 0, 0, 0.15);
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform var(--transition-smooth);
  overflow-y: auto;
}

.mobile-drawer-backdrop.active .mobile-drawer {
  transform: translateX(0);
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

.drawer-close-btn {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  color: var(--color-text-muted);
}

.drawer-close-btn:hover {
  color: var(--color-primary);
  background-color: var(--color-surface-subtle);
}

.drawer-nav {
  padding: 1.25rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex: 1;
}

.drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.875rem 1rem;
  font-size: var(--font-size-md);
  font-weight: 600;
  color: var(--color-navy);
  border-radius: var(--radius-md);
}

.drawer-link:hover, .drawer-link.active {
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
}

.drawer-subnav {
  padding-inline-start: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  margin-top: 0.25rem;
  margin-bottom: 0.5rem;
}

.drawer-sublink {
  padding: 0.625rem 1rem;
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  border-radius: var(--radius-sm);
}

.drawer-sublink:hover, .drawer-sublink.active {
  color: var(--color-primary);
  background-color: var(--color-surface-subtle);
}

.drawer-actions {
  padding: 1.5rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  background-color: var(--color-surface-subtle);
}

/* --------------------------------------------------------------------------
   6. Hero & Visual Banner Components
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background-color: var(--color-navy-dark);
  color: var(--color-surface-white);
  padding-block: clamp(4rem, 8vw, 7.5rem);
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.28;
  filter: saturate(0.85);
  pointer-events: none;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11, 21, 38, 0.94) 0%, rgba(15, 30, 54, 0.85) 60%, rgba(139, 30, 35, 0.35) 100%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 10;
  max-width: 820px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.375rem 1rem;
  background-color: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-full);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: #fef08a;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
}

.hero-title {
  color: var(--color-surface-white);
  margin-bottom: 1.25rem;
  font-weight: 800;
  line-height: 1.15;
}

.hero-title span {
  color: #f87171; /* Highlight Maple text */
}

.hero-description {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  line-height: var(--line-height-relaxed);
  color: #e2e8f0;
  margin-bottom: 2rem;
  max-width: 720px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-features {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.75rem;
}

.hero-feature-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: #f1f5f9;
  font-size: var(--font-size-sm);
  font-weight: 500;
}

.hero-feature-icon {
  width: 24px;
  height: 24px;
  color: #4ade80;
  flex-shrink: 0;
}

/* Page Header Sub-Hero */
.page-hero {
  position: relative;
  background-color: var(--color-navy);
  color: var(--color-surface-white);
  padding-block: clamp(3rem, 5vw, 4.5rem);
  overflow: hidden;
}

.page-hero .hero-bg {
  opacity: 0.2;
}

.page-hero-content {
  position: relative;
  z-index: 5;
  max-width: 780px;
}

.page-hero-title {
  color: var(--color-surface-white);
  margin-bottom: 0.75rem;
}

.page-hero-desc {
  color: #cbd5e1;
  font-size: var(--font-size-md);
  margin-bottom: 0;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--font-size-xs);
  color: #94a3b8;
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.breadcrumb a {
  color: #cbd5e1;
}

.breadcrumb a:hover {
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   7. Trust Strip & Carrier Showcase
   -------------------------------------------------------------------------- */
.trust-strip {
  background-color: var(--color-surface-white);
  border-bottom: 1px solid var(--color-border);
  padding-block: 2rem;
}

.trust-title {
  text-align: center;
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-light);
  margin-bottom: 1.5rem;
}

.carrier-grid {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 1.5rem 3rem;
}

.carrier-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1.25rem;
  background-color: var(--color-surface-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-navy);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}

.carrier-badge:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
  color: var(--color-primary);
}

/* --------------------------------------------------------------------------
   8. Cards & Feature Grids
   -------------------------------------------------------------------------- */
.card {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: clamp(1.25rem, 2vw, 2rem);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
}

.card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--color-border-hover);
  transform: translateY(-3px);
}

.card-img-wrap {
  position: relative;
  width: 100%;
  aspect-ratio: 16 / 10;
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 1.25rem;
  background-color: var(--color-surface-alt);
}

.card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform var(--transition-smooth);
}

.card:hover .card-img {
  transform: scale(1.04);
}

.card-title {
  margin-bottom: 0.75rem;
}

.card-desc {
  flex-grow: 1;
  font-size: 0.9375rem;
  line-height: var(--line-height-base);
  color: var(--color-text-muted);
  margin-bottom: 1.25rem;
}

.card-footer {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--color-surface-alt);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* Value Pillar Cards */
.pillar-card {
  position: relative;
  padding: 2rem 1.75rem;
  border-radius: var(--radius-lg);
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
}

.pillar-card::before {
  content: "";
  position: absolute;
  top: 0;
  inset-inline-start: 1.5rem;
  inset-inline-end: 1.5rem;
  height: 4px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-navy));
  border-radius: var(--radius-full);
  opacity: 0;
  transition: opacity var(--transition-base);
}

.pillar-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: transparent;
}

.pillar-card:hover::before {
  opacity: 1;
}

.pillar-icon-box {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

/* --------------------------------------------------------------------------
   9. Comparison Matrix (Resolving SEO-04 / AEO & GEO)
   -------------------------------------------------------------------------- */
.comparison-wrapper {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow-x: auto;
  margin-top: 2rem;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 680px;
  text-align: start;
}

.comparison-table th, .comparison-table td {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

.comparison-table th {
  background-color: var(--color-surface-subtle);
  font-weight: 700;
  font-size: var(--font-size-base);
  color: var(--color-navy);
}

.comparison-table th.highlight-col {
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  border-inline: 2px solid var(--color-primary);
  border-top: 3px solid var(--color-primary);
}

.comparison-table td.highlight-col {
  background-color: rgba(139, 30, 35, 0.03);
  border-inline: 2px solid var(--color-primary);
  font-weight: 600;
  color: var(--color-navy);
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.check-mark {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  color: var(--color-accent-green);
  font-weight: 700;
}

.cross-mark {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  color: #dc2626;
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   10. Interactive Tabs & Filters
   -------------------------------------------------------------------------- */
.filter-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 2.5rem;
}

.filter-btn {
  padding: 0.625rem 1.25rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-navy);
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}

.filter-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.filter-btn.active {
  background-color: var(--color-primary);
  color: var(--color-surface-white);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

/* --------------------------------------------------------------------------
   11. Testimonials & Social Proof
   -------------------------------------------------------------------------- */
.testimonial-card {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: clamp(1.5rem, 3vw, 2.5rem);
  box-shadow: var(--shadow-md);
  position: relative;
}

.quote-icon {
  width: 40px;
  height: 40px;
  color: rgba(139, 30, 35, 0.2);
  margin-bottom: 1rem;
}

.testimonial-text {
  font-size: clamp(1.05rem, 1.5vw, 1.2rem);
  font-style: italic;
  line-height: var(--line-height-relaxed);
  color: var(--color-navy);
  margin-bottom: 1.5rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background-color: var(--color-primary-soft);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.star-rating {
  display: flex;
  gap: 0.25rem;
  color: var(--color-accent-gold);
  margin-bottom: 0.375rem;
}

/* --------------------------------------------------------------------------
   12. Direct-Answer FAQ Accordion (AEO / GEO Engine)
   -------------------------------------------------------------------------- */
.faq-accordion {
  max-width: 840px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--color-border-hover);
}

.faq-item.open {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

.faq-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-navy);
  text-align: start;
  background: none;
  border: none;
  cursor: pointer;
}

.faq-btn:hover {
  color: var(--color-primary);
}

.faq-chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform var(--transition-base);
  color: var(--color-text-light);
}

.faq-item.open .faq-chevron {
  transform: rotate(180deg);
  color: var(--color-primary);
}

.faq-panel {
  display: none;
  padding: 0 1.5rem 1.5rem 1.5rem;
  font-size: 0.95rem;
  line-height: var(--line-height-relaxed);
  color: var(--color-text-muted);
}

.faq-item.open .faq-panel {
  display: block;
}

/* --------------------------------------------------------------------------
   13. Forms & Quote Wizard Interface
   -------------------------------------------------------------------------- */
.form-card {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: clamp(1.5rem, 3vw, 2.5rem);
  box-shadow: var(--shadow-lg);
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-navy);
  margin-bottom: 0.5rem;
}

.form-label .req {
  color: #dc2626;
  margin-inline-start: 0.25rem;
}

.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.95rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: var(--color-surface-white);
  color: var(--color-text-main);
  transition: all var(--transition-fast);
}

.form-input:hover, .form-select:hover, .form-textarea:hover {
  border-color: var(--color-border-hover);
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--color-primary);
  box-shadow: var(--focus-ring);
  outline: none;
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  cursor: pointer;
}

.form-checkbox {
  width: 1.125rem;
  height: 1.125rem;
  margin-top: 0.125rem;
  border-radius: var(--radius-sm);
  accent-color: var(--color-primary);
  flex-shrink: 0;
}

/* Multi-step Quote Selector Cards */
.quote-types-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}

.quote-type-label {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 1rem 0.75rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  text-align: center;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy);
  cursor: pointer;
  transition: all var(--transition-fast);
  background-color: var(--color-surface-subtle);
}

.quote-type-label:hover {
  border-color: var(--color-primary);
  background-color: var(--color-primary-soft);
}

.quote-type-label input:checked + .type-box {
  border-color: var(--color-primary);
  background-color: var(--color-primary);
  color: #ffffff;
}

.quote-type-checkbox {
  position: absolute;
  opacity: 0;
  inset: 0;
  cursor: pointer;
}

.quote-type-checkbox:checked ~ .quote-type-content {
  color: var(--color-primary);
}

.quote-type-label:has(.quote-type-checkbox:checked) {
  border-color: var(--color-primary);
  background-color: var(--color-primary-soft);
  box-shadow: 0 0 0 2px var(--color-primary);
}

.form-alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  margin-bottom: 1.5rem;
  display: none;
}

.form-alert.success {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background-color: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

/* --------------------------------------------------------------------------
   14. Carrier Billing & Claims Directory Table
   -------------------------------------------------------------------------- */
.directory-card {
  background-color: var(--color-surface-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.directory-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 0.75rem;
}

.carrier-name {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-navy);
}

.carrier-contact-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.9rem;
}

/* --------------------------------------------------------------------------
   15. Global Footer & Pre-Footer CTA Blocks
   -------------------------------------------------------------------------- */
.pre-footer-cta {
  background: linear-gradient(135deg, var(--color-navy-dark) 0%, var(--color-navy) 100%);
  color: var(--color-surface-white);
  padding-block: clamp(3rem, 5vw, 4.5rem);
  text-align: center;
  border-top: 4px solid var(--color-primary);
}

.pre-footer-content {
  max-width: 720px;
  margin-inline: auto;
}

.pre-footer-title {
  color: var(--color-surface-white);
  margin-bottom: 1rem;
}

.pre-footer-desc {
  color: #cbd5e1;
  font-size: var(--font-size-md);
  margin-bottom: 2rem;
}

.site-footer {
  background-color: #091322;
  color: #94a3b8;
  padding-top: clamp(3.5rem, 6vw, 5rem);
  padding-bottom: 2.5rem;
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  margin-bottom: 3.5rem;
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
  }
}

.footer-brand-logo {
  height: 52px;
  width: auto;
  margin-bottom: 1.25rem;
}

.footer-about-text {
  line-height: var(--line-height-relaxed);
  color: #cbd5e1;
  margin-bottom: 1.5rem;
}

.footer-title {
  color: var(--color-surface-white);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer-link {
  color: #cbd5e1;
  transition: color var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
}

.footer-link:hover {
  color: #ffffff;
  transform: translateX(2px);
}

.footer-contact-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
  color: #cbd5e1;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.footer-contact-item a {
  color: #ffffff;
}

.footer-contact-item a:hover {
  color: #f87171;
}

.footer-social-links {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.social-btn {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background-color: rgba(255, 255, 255, 0.08);
  color: #cbd5e1;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.social-btn:hover {
  background-color: var(--color-primary);
  color: #ffffff;
  transform: translateY(-2px);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 2rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: var(--font-size-xs);
  color: #64748b;
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
}

.footer-legal-links a {
  color: #94a3b8;
}

.footer-legal-links a:hover {
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   16. Sticky Mobile Quick-Action Bar
   (Critical fix for SEC-01: Local Delaware number 302-654-1000)
   -------------------------------------------------------------------------- */
.mobile-action-bar {
  display: none;
  position: fixed;
  bottom: 0;
  inset-inline: 0;
  background-color: var(--color-surface-white);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.08);
  z-index: 990;
  padding-block: 0.375rem;
}

@media (max-width: 900px) {
  .mobile-action-bar {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
  }
  
  /* Add safe padding at page bottom so content doesn't get covered */
  body {
    padding-bottom: 64px;
  }
}

.mobile-action-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.25rem;
  padding: 0.5rem 0.25rem;
  color: var(--color-navy);
  font-size: 0.725rem;
  font-weight: 600;
  text-decoration: none;
  min-height: 50px;
}

.mobile-action-item svg {
  width: 20px;
  height: 20px;
  color: var(--color-text-muted);
}

.mobile-action-item:hover, .mobile-action-item:active {
  color: var(--color-primary);
}

.mobile-action-item:hover svg, .mobile-action-item:active svg {
  color: var(--color-primary);
}

.mobile-action-item.highlight {
  color: var(--color-primary);
}

.mobile-action-item.highlight svg {
  color: var(--color-primary);
}

/* --------------------------------------------------------------------------
   17. Back-to-Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  inset-inline-end: 1.5rem;
  width: 50px;
  height: 50px;
  border-radius: var(--radius-full);
  background-color: var(--color-primary);
  color: var(--color-surface-white);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 980;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition-base);
  border: none;
  cursor: pointer;
}

@media (max-width: 900px) {
  .back-to-top {
    bottom: 5rem; /* Above mobile action bar */
    inset-inline-end: 1rem;
    width: 44px;
    height: 44px;
  }
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background-color: var(--color-primary-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

/* --------------------------------------------------------------------------
   18. Accessible Modal Component (Privacy, Terms, Accessibility)
   -------------------------------------------------------------------------- */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(4px);
  z-index: 3000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}

.modal-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.modal-dialog {
  background-color: var(--color-surface-white);
  border-radius: var(--radius-xl);
  max-width: 720px;
  width: 100%;
  max-height: 85vh;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-xl);
  transform: scale(0.95);
  transition: transform var(--transition-smooth);
}

.modal-backdrop.active .modal-dialog {
  transform: scale(1);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.75rem;
  border-bottom: 1px solid var(--color-border);
}

.modal-body {
  padding: 1.5rem 1.75rem;
  overflow-y: auto;
  line-height: var(--line-height-relaxed);
  font-size: 0.95rem;
}

.modal-footer {
  padding: 1rem 1.75rem;
  border-top: 1px solid var(--color-border);
  display: flex;
  justify-content: flex-end;
}

/* --------------------------------------------------------------------------
   19. Keyframe Animations & Accessibility Enhancements
   -------------------------------------------------------------------------- */
@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(6px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}