/* ========== RESET & BASE ========== */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }

  .fade-in {
    opacity: 1;
    transform: none;
  }
}

body {
  font-family: 'DM Sans', sans-serif;
  color: #333;
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Cormorant Garamond', serif;
  font-weight: 600;
  line-height: 1.2;
}

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

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid #fff;
  outline-offset: 3px;
  box-shadow: 0 0 0 6px #002060;
}

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

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 2000;
  transform: translateY(-160%);
  background: #fff;
  color: #002060;
  border: 2px solid #002060;
  border-radius: 6px;
  padding: 10px 14px;
  font-weight: 700;
  box-shadow: 0 6px 18px rgba(0,0,0,0.18);
  transition: transform 0.2s ease;
}

.skip-link:focus-visible {
  transform: translateY(0);
}

/* ========== UTILITY ========== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-heading {
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: #002060;
  margin-bottom: 16px;
  text-align: center;
}

.section-subheading {
  font-size: 1.1rem;
  color: #555;
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

/* Fade-in animation */
.fade-in {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ========== NAVIGATION ========== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  background: #002060;
  z-index: 1000;
  padding: 0 24px;
  transition: box-shadow 0.3s;
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 110px;
  transition: height 0.3s;
}

.navbar-logo img {
  height: 100px;
  transition: height 0.3s;
}

.navbar-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.navbar-links > li {
  position: relative;
}

.navbar-links a {
  color: #fff;
  font-size: 0.95rem;
  font-weight: 500;
  transition: opacity 0.2s;
}

.navbar-links a:hover {
  opacity: 0.8;
}

.navbar-links .btn-quote {
  border: 2px solid #fff;
  border-radius: 50px;
  padding: 8px 22px;
  font-weight: 600;
  white-space: nowrap;
  transition: background 0.25s, color 0.25s;
}

.navbar-links .btn-quote:hover {
  background: #fff;
  color: #002060;
  opacity: 1;
}

/* Nav active state */
.navbar-links a.active {
  opacity: 1;
  border-bottom: 2px solid #fff;
  padding-bottom: 2px;
}

/* ---- Hamburger ---- */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.hamburger span {
  display: block;
  width: 26px;
  height: 3px;
  background: #fff;
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

.hamburger.active span:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
  opacity: 0;
}

.hamburger.active span:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* ---- Mobile Nav Drawer ---- */
.mobile-nav {
  display: none;
  position: fixed;
  top: 110px;
  left: 0;
  width: 100%;
  background: #002060;
  padding: 24px;
  z-index: 999;
  transform: translateY(-100%);
  transition: transform 0.35s ease;
}

.mobile-nav.open {
  transform: translateY(0);
}

.mobile-nav > a {
  display: block;
  color: #fff;
  font-size: 1.1rem;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-weight: 500;
  text-decoration: none;
}

.mobile-nav > a:last-child {
  border-bottom: none;
}

/* Scrolled (shrink) state */
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.28);
}

.navbar.scrolled .container {
  height: 72px;
}

.navbar.scrolled .navbar-logo img {
  height: 60px;
}

.navbar.scrolled + .mobile-nav {
  top: 72px;
}

/* ========== HERO ========== */
.hero {
  min-height: 100vh;
  background: #002060;
  background-image: url('../assets/homepage/rv-winding-road-hero.webp');
  background-size: cover;
  background-position: center 62%;
  background-repeat: no-repeat;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  position: relative;
  overflow: hidden;
  padding: 120px 24px 48px;
}

/* Dark overlay + subtle diagonal line texture */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(
      -45deg,
      transparent,
      transparent 40px,
      rgba(255,255,255,0.03) 40px,
      rgba(255,255,255,0.03) 41px
    ),
    rgba(0, 32, 96, 0.52);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 740px;
  animation: heroFadeIn 1s ease forwards;
}

@keyframes heroFadeIn {
  from {
    opacity: 0;
    transform: translateY(32px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero h1 {
  font-size: clamp(2.5rem, 6vw, 4rem);
  color: #fff;
  margin-bottom: 24px;
  letter-spacing: 1px;
}

.hero p {
  color: rgba(255,255,255,0.85);
  font-size: clamp(1rem, 2vw, 1.15rem);
  max-width: 600px;
  margin: 0 auto 40px;
  line-height: 1.75;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-primary {
  display: inline-block;
  background: #fff;
  color: #002060;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid #fff;
  cursor: pointer;
  transition: background 0.25s, color 0.25s;
}

.btn-primary:hover {
  background: transparent;
  color: #fff;
}

.btn-outline {
  display: inline-block;
  background: transparent;
  color: #fff;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid #fff;
  cursor: pointer;
  transition: background 0.25s, color 0.25s;
}

.btn-outline:hover {
  background: #fff;
  color: #002060;
}

/* ========== WHY GO INDEPENDENT (Value Props) ========== */
.independent {
  background: #F5F4F0;
  padding: 96px 24px;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px 48px;
  margin-top: 56px;
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
}

.checklist-icon {
  color: #002060;
  font-size: 1.5rem;
  flex-shrink: 0;
  margin-top: 4px;
}

.checklist-item h3 {
  font-size: 1.35rem;
  color: #002060;
  margin-bottom: 8px;
}

.checklist-item p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.75;
}

/* ---- Independent Pillars ---- */
.independent-pillars {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin: 48px auto 56px;
  max-width: 960px;
}

.pillar {
  background: #fff;
  border-radius: 10px;
  padding: 32px 28px;
  border-left: 4px solid #002060;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}

.pillar:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
}

.pillar h3 {
  font-size: 1.2rem;
  color: #002060;
  margin-bottom: 10px;
}

.pillar p {
  color: #555;
  font-size: 0.92rem;
  line-height: 1.7;
}

/* ========== CARRIER GRID ========== */
.carriers {
  background: #fff;
  padding: 48px 24px;
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 48px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}

.carrier-tile {
  border: 2px solid #ddd;
  border-radius: 8px;
  padding: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 120px;
  transition: border-color 0.25s, box-shadow 0.25s;
  background: #fff;
}

.carrier-tile:hover {
  border-color: #002060;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}

.carrier-tile img {
  width: 100%;
  height: 80px;
  object-fit: contain;
}

.carrier-tile-text {
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  color: #002060;
  text-align: center;
}

.carrier-tile-more {
  font-family: 'Cormorant Garamond', serif;
  font-weight: 600;
  font-size: 1.25rem;
  color: #002060;
  font-style: italic;
}

.carrier-footnote {
  text-align: center;
  color: #888;
  font-size: 0.85rem;
  margin-top: 32px;
}

/* Placeholder carrier tiles */
.carrier-tile-placeholder {
  background: #F5F4F0;
  border: 2px dashed #ccc;
}

.carrier-tile-placeholder span {
  font-family: 'DM Sans', sans-serif;
  font-weight: 500;
  font-size: 0.85rem;
  color: #999;
}

/* ========== AGENCY INTRO ========== */
.agency-intro {
  background: #fff;
  padding: 88px 24px 80px;
  text-align: center;
}

/* ========== ADVICE-FIRST EXPOSURE EXPLORER ========== */
.advisory-page-hero {
  padding: 166px 24px 66px;
  color: #fff;
  text-align: center;
  background: #002060;
}

.advisory-page-hero h1 {
  max-width: 920px;
  margin: 0 auto;
  font-size: clamp(2.45rem, 5vw, 4.4rem);
  line-height: 1.02;
}

.advisory-page-hero p {
  max-width: 780px;
  margin: 20px auto 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: clamp(1rem, 1.7vw, 1.15rem);
  line-height: 1.7;
}

.exposure-explorer-section {
  padding: 64px 24px 100px;
  background: #f7f5ef;
}

.exposure-explorer {
  max-width: 1080px;
  margin: 0 auto;
  border-top: 1px solid #c8cfda;
}

.exposure-item {
  border-bottom: 1px solid #c8cfda;
}

.exposure-item-heading {
  margin: 0;
}

.exposure-accordion-button {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 42px;
  gap: 24px;
  align-items: center;
  width: 100%;
  padding: 25px 4px;
  border: 0;
  color: #002060;
  text-align: left;
  background: transparent;
  cursor: pointer;
}

.exposure-accordion-button strong {
  display: block;
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(1.55rem, 2.4vw, 2rem);
  font-weight: 600;
  line-height: 1.15;
}

.exposure-accordion-button small {
  display: block;
  margin-top: 5px;
  color: #5b6677;
  font-size: 0.92rem;
  font-weight: 400;
  line-height: 1.5;
}

.exposure-accordion-icon {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border: 1px solid #9ba9bd;
  border-radius: 50%;
  font-size: 1.45rem;
  font-weight: 400;
  transition: background 0.25s ease, color 0.25s ease, border-color 0.25s ease;
}

.exposure-accordion-button:hover .exposure-accordion-icon,
.exposure-accordion-button[aria-expanded="true"] .exposure-accordion-icon {
  color: #fff;
  border-color: #002060;
  background: #002060;
}

.exposure-panel {
  padding: 0 0 34px;
  animation: exposure-panel-in 0.3s ease both;
}

.exposure-panel[hidden] {
  display: none;
}

.exposure-scene {
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(0, 32, 96, 0.16);
  border-radius: 18px;
  background: #dde3ea;
  box-shadow: 0 18px 44px rgba(15, 32, 61, 0.13);
  aspect-ratio: 3 / 2;
}

.exposure-scene::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background: linear-gradient(180deg, rgba(0, 19, 56, 0.03), rgba(0, 19, 56, 0.13));
}

.exposure-scene > img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.exposure-point {
  position: absolute;
  z-index: 3;
  top: var(--y);
  left: var(--x);
  transform: translate(-50%, -50%);
}

.exposure-hotspot {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  min-height: 38px;
  padding: 7px 11px 7px 7px;
  border: 1px solid rgba(255,255,255,0.58);
  border-radius: 999px;
  color: #fff;
  background: linear-gradient(135deg, rgba(0, 32, 96, 0.52), rgba(4, 25, 61, 0.36));
  box-shadow:
    0 8px 24px rgba(0, 15, 45, 0.2),
    inset 0 1px 0 rgba(255,255,255,0.32),
    inset 0 -1px 0 rgba(255,255,255,0.08);
  -webkit-backdrop-filter: blur(16px) saturate(145%);
  backdrop-filter: blur(16px) saturate(145%);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  line-height: 1;
  white-space: nowrap;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease;
}

.exposure-hotspot > span:first-child {
  display: grid;
  place-items: center;
  width: 23px;
  height: 23px;
  border-radius: 50%;
  color: #002060;
  background: rgba(255,255,255,0.9);
  box-shadow: inset 0 1px 0 #fff;
  font-size: 1rem;
  line-height: 1;
}

.exposure-hotspot:hover,
.exposure-hotspot[aria-expanded="true"] {
  transform: translateY(-2px);
  background: linear-gradient(135deg, rgba(0, 32, 96, 0.72), rgba(4, 25, 61, 0.58));
}

.exposure-detail {
  position: absolute;
  z-index: 4;
  right: 18px;
  bottom: 18px;
  width: min(410px, calc(100% - 36px));
  padding: 18px 20px;
  border: 1px solid rgba(255,255,255,0.55);
  border-radius: 20px;
  color: #fff;
  background: linear-gradient(145deg, rgba(0, 32, 96, 0.6), rgba(3, 20, 51, 0.46));
  box-shadow:
    0 18px 48px rgba(0, 15, 45, 0.28),
    inset 0 1px 0 rgba(255,255,255,0.28),
    inset 0 -1px 0 rgba(255,255,255,0.08);
  -webkit-backdrop-filter: blur(24px) saturate(150%);
  backdrop-filter: blur(24px) saturate(150%);
  animation: exposure-detail-in 0.25s ease both;
}

.exposure-detail[hidden] {
  display: none;
}

.exposure-detail-label {
  margin: 0 0 5px;
  color: rgba(255,255,255,0.68);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.exposure-detail h4 {
  margin: 0;
  color: #fff;
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 1.35rem;
  line-height: 1.2;
}

.exposure-detail > p:last-child {
  margin: 8px 0 0;
  color: rgba(255,255,255,0.83);
  font-size: 0.88rem;
  line-height: 1.55;
}

.advisory-closing-cta {
  position: relative;
  overflow: hidden;
  padding: 90px 24px;
  color: #fff;
  text-align: center;
  background: #2e2e2e;
}

.advisory-closing-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(255,255,255,0.015) 40px,
    rgba(255,255,255,0.015) 41px
  );
}

.advisory-closing-cta .container {
  position: relative;
  z-index: 1;
}

.advisory-closing-cta h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: clamp(2rem, 4vw, 3.2rem);
}

.advisory-closing-cta p:last-of-type {
  max-width: 670px;
  margin: 0 auto 26px;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
}

.advisory-closing-cta .btn-primary {
  min-width: 230px;
}

@keyframes exposure-panel-in {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes exposure-detail-in {
  from { opacity: 0; transform: translateY(7px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 760px) {
  .review-request .form-step {
    gap: 11px;
    padding: 16px 13px;
  }

  .review-request .form-step-num {
    width: 31px;
    height: 31px;
    font-size: 0.82rem;
  }

  .review-request .checklist-grid {
    grid-template-columns: 1fr;
  }

  .advisory-page-hero {
    padding: 142px 20px 54px;
  }

  .advisory-page-hero p {
    margin-top: 16px;
    line-height: 1.6;
  }

  .exposure-explorer-section {
    padding: 48px 18px 76px;
  }

  .exposure-accordion-button {
    grid-template-columns: minmax(0, 1fr) 36px;
    gap: 14px;
    padding: 20px 2px;
  }

  .exposure-accordion-button small {
    font-size: 0.82rem;
  }

  .exposure-accordion-icon {
    width: 34px;
    height: 34px;
  }

  .exposure-panel {
    padding-bottom: 26px;
  }

  .exposure-scene {
    overflow: visible;
    margin-bottom: 0;
    border-radius: 13px 13px 0 0;
    box-shadow: none;
  }

  .exposure-hotspot {
    min-width: 34px;
    min-height: 34px;
    padding: 5px;
  }

  .exposure-hotspot > span:first-child {
    width: 22px;
    height: 22px;
  }

  .exposure-hotspot > span:last-child {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
  }

  .exposure-detail {
    position: absolute;
    top: 100%;
    right: 0;
    bottom: auto;
    left: 0;
    width: 100%;
    min-height: 154px;
    border: 1px solid rgba(255,255,255,0.36);
    border-radius: 0 0 13px 13px;
    background: rgba(0, 32, 96, 0.86);
    box-shadow: none;
  }

  .exposure-scene:has(.exposure-detail:not([hidden])) {
    margin-bottom: 154px;
  }

}

@media (prefers-reduced-motion: reduce) {
  .exposure-panel,
  .exposure-detail {
    animation: none;
  }

  .exposure-accordion-icon,
  .exposure-hotspot {
    transition: none;
  }
}

.agency-intro .container {
  max-width: 920px;
}

.agency-intro .section-heading {
  margin-bottom: 20px;
}

.agency-eyebrow,
.section-kicker {
  color: #33558f;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  line-height: 1.4;
  margin-bottom: 12px;
  text-transform: uppercase;
}

.agency-intro .agency-lead {
  font-size: clamp(1.08rem, 2vw, 1.25rem);
  color: #444;
  line-height: 1.8;
  margin: 0 auto 20px;
  max-width: 850px;
}

.agency-intro .agency-lead:last-child {
  margin-bottom: 0;
}

/* ========== FOUNDER STORY ========== */
.founder-story {
  background: #F5F4F0;
  padding: 96px 24px;
}

.founder-story-layout {
  display: grid;
  grid-template-columns: 300px minmax(0, 1fr);
  gap: clamp(44px, 7vw, 88px);
  align-items: center;
  max-width: 1020px;
}

.founder-portrait {
  width: 300px;
  height: 300px;
  border-radius: 50%;
  overflow: hidden;
  border: 8px solid #fff;
  box-shadow: 0 18px 40px rgba(0, 32, 96, 0.16);
}

.founder-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 23%;
}

.founder-copy h2 {
  color: #002060;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
  margin-bottom: 24px;
}

.founder-copy > p:not(.section-kicker):not(.founder-signature):not(.founder-title) {
  color: #4a4a4a;
  line-height: 1.8;
  margin-bottom: 16px;
}

.founder-signature {
  color: #002060;
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(2rem, 4vw, 2.7rem);
  font-style: italic;
  font-weight: 600;
  line-height: 1;
  margin: 30px 0 6px;
  transform: rotate(-2deg);
  transform-origin: left center;
}

.founder-title {
  color: #6a6a6a;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ========== CARRIER NETWORK (Text-based) ========== */
.carrier-network {
  background: #fff;
  padding: 96px 24px;
}

.carrier-benefits {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 40px;
  margin-top: 48px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}

.benefit-item {
  display: flex;
  gap: 20px;
}

.benefit-icon {
  color: #002060;
  font-size: 1.5rem;
  flex-shrink: 0;
  margin-top: 4px;
}

.benefit-item h3 {
  color: #002060;
  margin-bottom: 8px;
  font-size: 1.25rem;
}

.benefit-item p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.6;
}

.carriers-text {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.carriers-text p {
  font-size: 1.05rem;
  color: #444;
  line-height: 1.8;
  margin-bottom: 16px;
}

.carriers-text p:last-child {
  margin-bottom: 0;
}

.carrier-info-box {
  background: #F8F7F4;
  border-left: 4px solid #002060;
  padding: 32px;
  border-radius: 4px;
  margin-top: 32px;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.carrier-info-box p {
  color: #333;
  font-size: 1rem;
  line-height: 1.7;
  margin: 0;
}

.carrier-info-box a {
  color: #002060;
  font-weight: 600;
  text-decoration: underline;
  transition: opacity 0.25s;
}

.carrier-info-box a:hover {
  opacity: 0.8;
}

/* ========== CARRIER CAROUSELS (Homepage) ========== */
.carrier-carousels {
  background: #fff;
  padding: 72px 24px;
}

.carousel-section {
  margin-bottom: 48px;
}

.carousel-section:last-child {
  margin-bottom: 0;
}

.carousel-label {
  font-size: 1.35rem;
  color: #002060;
  text-align: center;
  margin-bottom: 24px;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 600;
}

.carousel-wrapper {
  overflow: hidden;
  position: relative;
  width: 100%;
}

/* Fade-out edges */
.carousel-wrapper::before,
.carousel-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 60px;
  z-index: 2;
  pointer-events: none;
}

.carousel-wrapper::before {
  left: 0;
  background: linear-gradient(to right, #fff, transparent);
}

.carousel-wrapper::after {
  right: 0;
  background: linear-gradient(to left, #fff, transparent);
}

.carousel-track {
  display: flex;
  gap: 24px;
  width: max-content;
  animation: carouselScroll 40s linear infinite;
}

.carousel-track:hover {
  animation-play-state: paused;
}

.carousel-tile {
  flex-shrink: 0;
  width: 200px;
  height: 108px;
  border: 2px solid #ddd;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 18px;
  background: #fff;
}

.carousel-tile img {
  width: 100%;
  height: 88px;
  object-fit: contain;
}

.carousel-tile .carrier-tile-text {
  font-size: 0.85rem;
}

.carousel-tile .carrier-tile-more {
  font-size: 1rem;
}

.carousel-tile-placeholder {
  background: #F5F4F0;
  border: 2px dashed #ccc;
}

.carousel-tile-placeholder span {
  font-family: 'DM Sans', sans-serif;
  font-weight: 500;
  font-size: 0.85rem;
  color: #999;
}

/* Business carousel scrolls a bit slower (fewer tiles) */
.carousel-section:last-child .carousel-track {
  animation-duration: 25s;
}

@keyframes carouselScroll {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

@keyframes carouselScrollReverse {
  0% {
    transform: translateX(-50%);
  }
  100% {
    transform: translateX(0);
  }
}

.carousel-track--reverse {
  animation-name: carouselScrollReverse;
}

/* ========== SERVICES OVERVIEW (Homepage) ========== */
.services-overview {
  background: #fff;
  padding: 48px 24px 96px;
}

.section-intro {
  color: #555;
  font-size: 1.05rem;
  line-height: 1.75;
  margin: 18px auto 0;
  max-width: 720px;
  text-align: center;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}

.services-grid--two {
  grid-template-columns: repeat(2, 1fr);
  max-width: 1040px;
  margin-left: auto;
  margin-right: auto;
}

.service-card {
  background: #F5F4F0;
  border-radius: 14px;
  padding: 0;
  text-align: center;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  border: 1px solid rgba(0, 32, 96, 0.12);
  overflow: hidden;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}

.service-card-image {
  aspect-ratio: 3 / 2;
  display: block;
  height: auto;
  object-fit: cover;
  width: 100%;
}

.service-card-content {
  display: flex;
  flex: 1;
  flex-direction: column;
  align-items: center;
  padding: 34px 32px 36px;
}

.service-card h3 {
  font-size: 1.5rem;
  color: #002060;
  margin-bottom: 12px;
}

.service-card p {
  color: #555;
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 28px;
  flex-grow: 1;
}

.btn-navy {
  display: inline-block;
  background: #002060;
  color: #fff;
  padding: 12px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid #002060;
  transition: background 0.25s, color 0.25s;
}

.btn-navy:hover {
  background: #fff;
  color: #002060;
}

/* ========== QUOTE PORTALS ========== */
.quote-portals {
  background: #2e2e2e;
  padding: 56px 24px;
  position: relative;
  overflow: hidden;
}

.quote-portals::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(255,255,255,0.015) 40px,
    rgba(255,255,255,0.015) 41px
  );
  pointer-events: none;
}

.quote-portals .section-heading {
  color: #fff;
}

.quote-portals .section-subheading {
  color: rgba(255,255,255,0.7);
  max-width: 860px;
}

.quote-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 32px;
  max-width: 900px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  align-items: stretch;
}

.quote-card {
  background: #fff;
  border: 2px solid #002060;
  border-radius: 10px;
  padding: 24px 28px;
  text-align: center;
  display: grid;
  grid-template-rows: auto 1fr auto;
  height: 100%;
}

.quote-card h3 {
  font-size: 1.5rem;
  margin: 0 0 12px;
}

.quote-card-link {
  display: block;
  padding: 12px 18px;
  border: 2px solid #002060;
  border-radius: 6px;
  color: #fff;
  background: #002060;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.96rem;
  font-weight: 700;
  line-height: 1.25;
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
}

.quote-card-link:hover,
.quote-card-link:focus-visible {
  color: #002060;
  background: #fff;
}

.quote-card p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.7;
  margin: 0;
  flex: 1 1 auto;
}

/* ========== COVERAGE EDUCATION ========== */
.education {
  background: #F5F4F0;
  padding: 96px 24px 32px;
}

.tab-bar {
  display: flex;
  justify-content: center;
  gap: 0;
  margin-bottom: 48px;
}

.tab-btn {
  background: none;
  border: 2px solid #002060;
  color: #002060;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  padding: 12px 36px;
  cursor: pointer;
  transition: background 0.25s, color 0.25s;
}

.tab-btn:first-child {
  border-radius: 6px 0 0 6px;
}

.tab-btn:last-child {
  border-radius: 0 6px 6px 0;
  border-left: none;
}

.tab-content {
  display: none;
}

.tab-content.active {
  display: block;
}

.education-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.flip-card.flip-card--centered {
  grid-column: 1 / -1;
  width: calc(50% - 12px);
  margin: 0 auto;
}

.flip-card.flip-card--more {
  grid-column: 1 / -1;
  height: 90px;
  max-width: 900px;
  width: 100%;
  margin: 0 auto;
}

.flip-card--more .flip-card-front {
  flex-direction: row;
  justify-content: center;
  gap: 16px;
}

.flip-card--more .flip-card-front .card-icon {
  font-size: 1.2rem;
  margin-bottom: 0;
}

.flip-card--more .flip-card-front h3 {
  font-size: 1.1rem;
  margin-bottom: 0;
}

.flip-card--more .flip-card-front .flip-hint {
  margin-top: 0;
}

.education-card {
  background: #fff;
  border-radius: 10px;
  padding: 32px 28px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}

.education-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}

.education-card .card-icon {
  font-size: 1.75rem;
  margin-bottom: 16px;
}

.education-card h3 {
  font-size: 1.35rem;
  color: #002060;
  margin-bottom: 10px;
}

.education-card p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.7;
}

/* ========== FLIP CARDS (Policies We Offer) ========== */
.flip-card {
  cursor: pointer;
  perspective: 1000px;
  height: 230px;
}

.flip-card:focus-visible {
  outline: 3px solid rgba(0, 32, 96, 0.45);
  outline-offset: 5px;
  border-radius: 10px;
}

.flip-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transition: transform 0.65s cubic-bezier(0.4, 0.2, 0.2, 1);
  transform-style: preserve-3d;
}

.flip-card.is-flipped .flip-card-inner {
  transform: rotateY(180deg);
}

.flip-card-front,
.flip-card-back {
  position: absolute;
  inset: 0;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  border-radius: 10px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.flip-card-front {
  background: #fff;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: box-shadow 0.3s;
}

.flip-card:hover .flip-card-front {
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}

.flip-card-front .card-icon {
  font-size: 1.75rem;
  color: #002060;
  margin-bottom: 16px;
}

.flip-card-front h3 {
  font-size: 1.3rem;
  color: #002060;
  margin-bottom: 0;
}

.flip-hint {
  font-size: 0.75rem;
  color: #555;
  font-style: italic;
  position: absolute;
  bottom: 14px;
  left: 0;
  right: 0;
  text-align: center;
}

.flip-card-back {
  background: #002060;
  transform: rotateY(180deg);
  box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}

.flip-card-back p {
  color: rgba(255,255,255,0.9);
  font-size: 0.95rem;
  line-height: 1.75;
}

/* ========== KEY TERMS ========== */
.terms {
  background: #fff;
  padding: 96px 24px;
}

.terms-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 48px;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}

.term-card {
  background: #F5F4F0;
  border-radius: 10px;
  padding: 28px 24px;
  border-left: 4px solid #002060;
}

.term-card h3 {
  font-size: 1.15rem;
  color: #002060;
  margin-bottom: 8px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.term-card p {
  color: #555;
  font-size: 0.9rem;
  line-height: 1.7;
}

/* ========== INDUSTRIES / APPETITE GUIDE ========== */
.industries {
  background: #2e2e2e;
  padding: 56px 24px 32px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.industries .section-heading {
  color: #fff;
}

.industries .section-subheading {
  color: rgba(255,255,255,0.7);
}

.pill-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin: 48px auto 36px;
  max-width: 800px;
}

.pill {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.25);
  color: #fff;
  padding: 10px 22px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 500;
  transition: background 0.25s;
}

.pill:hover {
  background: rgba(255,255,255,0.2);
}

.industries-tagline {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  margin-top: 40px;
  margin-bottom: 40px;
}

/* ========== CONTACT FORM ========== */
.contact {
  background: #fff;
  padding: 48px 24px;
}

.contact-form {
  max-width: 640px;
  margin: 0 auto;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: #002060;
  font-size: 0.95rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid #ddd;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  color: #333;
  transition: border-color 0.25s;
  background: #fff;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: #002060;
}

.form-group textarea {
  min-height: 120px;
  resize: vertical;
}

.form-group input[type="file"] {
  padding: 10px;
  border-style: dashed;
  cursor: pointer;
}

.form-group .file-label {
  font-weight: 400;
  font-size: 0.85rem;
  color: #888;
  margin-top: 4px;
}

.form-security {
  background: #fff;
  border-left: none;
  border-radius: 0;
  padding: 0;
  margin-top: 8px;
  margin-bottom: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-size: 0.88rem;
  color: #555;
  line-height: 1.55;
  text-align: center;
}

.form-security i {
  color: #002060;
  font-size: 1.1rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.btn-submit {
  background: #59677d;
  color: #fff;
  padding: 13px 32px;
  border: none;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.25s, transform 0.25s, box-shadow 0.25s;
  width: 100%;
  min-height: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.btn-submit:disabled {
  cursor: not-allowed;
}

.btn-submit.is-ready,
.btn-submit.is-submitting {
  background: #002060;
}

.btn-submit.is-ready:hover,
.btn-submit.is-submitting:hover {
  background: #1a3a7a;
}

.btn-submit.is-success {
  background: #2e7d32;
  box-shadow: 0 10px 24px rgba(46, 125, 50, 0.24);
  animation: submit-success-pop 0.45s ease;
}

.btn-submit.is-success:hover {
  background: #2e7d32;
}

.btn-submit-content {
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.btn-submit-check {
  width: 0;
  opacity: 0;
  overflow: hidden;
  transform: scale(0.5);
  transform-origin: center;
  transition: width 0.28s ease, opacity 0.2s ease, transform 0.28s ease, margin-right 0.28s ease;
}

.btn-submit.is-success .btn-submit-check {
  width: 18px;
  opacity: 1;
  transform: scale(1);
  margin-right: 8px;
}

.form-submit-feedback {
  min-height: 0;
  margin: 4px 0 0;
  font-size: 0.9rem;
  color: #c0392b;
}

.form-submit-feedback:empty {
  display: none;
  margin: 0;
}

.form-submit-feedback.is-success {
  color: #2e7d32;
}

@keyframes submit-success-pop {
  0% {
    transform: scale(1);
  }
  45% {
    transform: scale(1.02);
  }
  100% {
    transform: scale(1);
  }
}

@keyframes upload-progress-slide {
  0% {
    transform: translateX(-65%);
    background-position: 0% 50%;
  }
  100% {
    transform: translateX(220%);
    background-position: 100% 50%;
  }
}

.form-success {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 60px 40px;
  gap: 12px;
}

.form-success-icon {
  font-size: 3.5rem;
  color: #2e7d32;
}

.form-success-heading {
  font-size: 1.6rem;
  font-weight: 700;
  color: #002060;
  margin: 0;
}

.form-success-sub {
  font-size: 1rem;
  color: #555;
  margin: 0;
}

.form-privacy {
  text-align: center;
  color: #888;
  font-size: 0.8rem;
  margin-top: 16px;
}

/* ========== PAGE HEADER (non-homepage pages) ========== */
.page-header {
  background: #002060;
  padding: 160px 24px 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(255,255,255,0.03) 40px,
    rgba(255,255,255,0.03) 41px
  );
  pointer-events: none;
}

.page-header h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  color: #fff;
  position: relative;
  z-index: 1;
  margin-bottom: 12px;
}

.page-header p {
  color: rgba(255,255,255,0.75);
  font-size: 1.1rem;
  position: relative;
  z-index: 1;
  max-width: 900px;
  margin: 0 auto;
}

/* ========== ABOUT PAGE ========== */
.about-section {
  padding: 96px 24px;
}

.about-section:nth-child(odd) {
  background: #F5F4F0;
}

.about-section:nth-child(even) {
  background: #fff;
}

.about-content {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 48px;
  align-items: start;
  max-width: 960px;
  margin: 0 auto;
}

.headshot-placeholder {
  width: 300px;
  height: 380px;
  background: #e0ddd8;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #888;
  font-size: 0.9rem;
  font-weight: 500;
  text-align: center;
  flex-shrink: 0;
}

.headshot-photo {
  width: 300px;
  height: 380px;
  object-fit: cover;
  object-position: center top;
  border-radius: 10px;
  flex-shrink: 0;
  box-shadow: 0 4px 20px rgba(0,0,0,0.12);
}

.about-text h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.25rem);
  color: #002060;
  margin-bottom: 20px;
}

.about-text p {
  color: #555;
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 16px;
}

.about-text p:last-child {
  margin-bottom: 0;
}

.about-independent {
  background: #2e2e2e;
  padding: 56px 24px;
}

.about-independent .section-heading {
  color: #fff;
}

.about-pillar {
  background: rgba(255,255,255,0.06);
  border-radius: 8px;
  padding: 32px;
}

.about-pillar h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  color: #fff;
  margin-bottom: 12px;
}

.about-pillar p {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  line-height: 1.75;
}

.about-values {
  max-width: 960px;
  margin: 0 auto;
}

.about-values h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.25rem);
  color: #002060;
  margin-bottom: 20px;
  text-align: center;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 28px;
  margin-top: 40px;
}

.value-card {
  text-align: center;
  padding: 32px 24px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}

.value-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
}

.value-card .card-icon {
  font-size: 2rem;
  color: #002060;
  margin-bottom: 16px;
}

.value-card h3 {
  font-size: 1.35rem;
  color: #002060;
  margin-bottom: 10px;
}

.value-card p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.7;
}

.form-readiness-feedback {
  margin: 10px auto 0;
  color: #8f2f26;
  font-size: 0.9rem;
  font-weight: 600;
  line-height: 1.45;
  text-align: center;
}

.form-readiness-feedback:empty {
  display: none;
  margin: 0;
}

.form-readiness-feedback.is-ready {
  color: #2f7d4a;
}

/* ========== INTERACTIVE CASE STUDIES ========== */
.case-study-explorer {
  padding: 64px 24px 96px;
  background: #fff;
}

.case-study-explorer--business {
  background: #f8f7f3;
}

.case-study-intro {
  max-width: 760px;
  margin: 0 auto 38px;
  text-align: center;
}

.case-study-intro .section-heading {
  margin-bottom: 12px;
}

.case-study-intro > p:last-child {
  color: #4b5563;
  line-height: 1.7;
}

.case-study-tabs {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 14px;
  margin-bottom: 26px;
}

.case-study-tab {
  appearance: none;
  border: 2px solid #d8dde8;
  border-radius: 12px;
  padding: 0 0 13px;
  overflow: hidden;
  background: #fff;
  color: #002060;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.case-study-tab:hover {
  border-color: #6f86b5;
  transform: translateY(-2px);
}

.case-study-tab.is-active {
  border-color: #002060;
  box-shadow: 0 8px 24px rgba(0, 32, 96, 0.16);
}

.case-study-tab img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 3 / 2;
  object-fit: cover;
  margin-bottom: 11px;
}

.case-study-tab span,
.case-study-tab small {
  display: block;
  padding: 0 12px;
}

.case-study-tab span {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 1.08rem;
  font-weight: 700;
  line-height: 1.15;
}

.case-study-tab small {
  margin-top: 4px;
  color: #687083;
  font-size: 0.72rem;
}

.case-study-panel[hidden],
.risk-popover[hidden] {
  display: none;
}

.case-study-panel {
  padding: 30px;
  border: 1px solid #d8dde8;
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 18px 48px rgba(0, 32, 96, 0.09);
}

.case-study-copy {
  max-width: 780px;
  margin-bottom: 22px;
}

.case-study-number {
  margin-bottom: 5px;
  color: #59709c;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.case-study-copy h3 {
  margin-bottom: 7px;
  color: #002060;
  font-size: clamp(1.75rem, 3vw, 2.35rem);
}

.case-study-copy p:last-child {
  color: #4b5563;
  line-height: 1.7;
}

.case-study-scene {
  position: relative;
  isolation: isolate;
}

.case-study-scene > img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 13px;
}

.risk-point {
  position: absolute;
  z-index: 2;
  left: var(--x);
  top: var(--y);
  transform: translate(-50%, -50%);
}

.risk-hotspot {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  min-height: 36px;
  padding: 4px 10px 4px 4px;
  border: 2px solid #fff;
  border-radius: 999px;
  background: #002060;
  color: #fff;
  font: inherit;
  font-size: 0.7rem;
  font-weight: 700;
  white-space: nowrap;
  box-shadow: 0 5px 18px rgba(0, 0, 0, 0.32);
  cursor: pointer;
}

.risk-hotspot::before {
  content: '';
  position: absolute;
  inset: -4px;
}

.risk-hotspot:hover,
.risk-hotspot[aria-expanded="true"] {
  background: #fff;
  color: #002060;
  border-color: #002060;
}

.risk-hotspot-number {
  display: grid;
  width: 24px;
  height: 24px;
  place-items: center;
  border-radius: 50%;
  background: #fff;
  color: #002060;
  font-size: 0.7rem;
}

.risk-hotspot:hover .risk-hotspot-number,
.risk-hotspot[aria-expanded="true"] .risk-hotspot-number {
  background: #002060;
  color: #fff;
}

.risk-popover {
  position: absolute;
  z-index: 5;
  top: calc(100% + 10px);
  left: 50%;
  width: min(280px, 70vw);
  padding: 17px 18px;
  transform: translateX(-50%);
  border: 1px solid #cfd6e3;
  border-radius: 10px;
  background: #fff;
  color: #343b49;
  box-shadow: 0 16px 38px rgba(0, 22, 65, 0.24);
}

.risk-point--right .risk-popover {
  right: 0;
  left: auto;
  transform: none;
}

.risk-popover h4 {
  margin-bottom: 5px;
  color: #002060;
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 1.2rem;
}

.risk-popover p {
  font-size: 0.85rem;
  line-height: 1.55;
}

.case-study-disclaimer {
  max-width: 760px;
  margin: 22px auto 0;
  color: #687083;
  font-size: 0.78rem;
  line-height: 1.6;
  text-align: center;
}

.decision-cta {
  padding: 76px 24px;
  text-align: center;
}

.decision-cta--navy {
  background: #002060;
  color: #fff;
}

.decision-cta--cream {
  background: #f1eee7;
  color: #002060;
}

.decision-cta .container {
  max-width: 760px;
}

.decision-cta h2 {
  margin-bottom: 12px;
  font-size: clamp(2rem, 4vw, 3rem);
}

.decision-cta p:not(.section-kicker) {
  margin: 0 auto;
  line-height: 1.7;
}

.decision-cta--navy .section-kicker,
.decision-cta--navy p {
  color: rgba(255, 255, 255, 0.82);
}

.decision-cta-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 28px;
}

.btn-outline--navy {
  border-color: #002060;
  color: #002060;
}

.btn-outline--navy:hover {
  background: #002060;
  color: #fff;
}

/* ========== FOOTER ========== */
.footer {
  background: #002060;
  border-top: 1px solid rgba(255,255,255,0.15);
  padding: 56px 24px 0;
  color: #fff;
}

.footer-top {
  display: grid;
  grid-template-columns: minmax(320px, 1.35fr) minmax(180px, 0.7fr) minmax(240px, 1fr);
  gap: 56px;
  max-width: 1200px;
  margin: 0 auto;
  padding-bottom: 42px;
  align-items: start;
  text-align: center;
}

.footer-brand,
.footer-links,
.footer-contact {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: center;
  text-align: center;
  height: 100%;
}

.footer-brand .footer-logo img {
  height: 91px;
  margin: 0;
}

.footer-license {
  display: flex;
  flex-direction: column;
  gap: 2px;
  max-width: 370px;
  margin: 0 0 14px;
  padding: 0;
  color: rgba(255,255,255,0.78);
  font-size: 0.88rem;
  line-height: 1.55;
  text-align: center;
}

.footer-license-heading {
  display: block;
  margin: 0 0 4px;
  color: #fff;
  font-size: 0.9rem;
  font-weight: 600;
}

.footer-links .footer-heading {
  font-size: 1.1rem;
  margin-bottom: 16px;
  color: #fff;
}

.footer-links ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links ul li {
  margin-bottom: 10px;
}

.footer-links ul li a {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  transition: color 0.2s;
}

.footer-links ul li a:hover {
  color: #fff;
}

.footer-contact .footer-heading {
  font-size: 1.1rem;
  margin-bottom: 16px;
  color: #fff;
}

.footer-contact p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  margin-bottom: 8px;
}

.footer-contact a {
  color: rgba(255,255,255,0.7);
  transition: color 0.2s;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  padding: 18px 0;
  color: rgba(255,255,255,0.5);
  font-size: 0.8rem;
}

/* ========== RESPONSIVE ========== */
@media (max-width: 1024px) {
  .founder-story-layout {
    grid-template-columns: 250px minmax(0, 1fr);
    gap: 44px;
  }

  .founder-portrait {
    width: 250px;
    height: 250px;
  }

  .independent-pillars {
    grid-template-columns: 1fr;
  }

  .checklist-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .carrier-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .education-grid {
    grid-template-columns: 1fr;
    max-width: 560px;
    margin: 0 auto;
  }

  .flip-card.flip-card--centered {
    width: 100%;
  }

  .services-grid {
    grid-template-columns: 1fr;
    max-width: 520px;
    margin: 48px auto 0;
  }

  .about-content {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
  }

  .about-text h2 {
    text-align: center;
  }

  .values-grid {
    grid-template-columns: 1fr;
    max-width: 400px;
    margin: 40px auto 0;
  }

  .terms-grid {
    grid-template-columns: 1fr;
    max-width: 560px;
  }

  .footer-top {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .footer-brand {
    padding-left: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .footer-links,
  .footer-contact {
    align-items: center;
    text-align: center;
  }

  .footer-license {
    border: 0;
    padding: 0;
    text-align: center;
  }
}

@media (max-width: 768px) {
  .checklist-grid {
    grid-template-columns: 1fr;
  }

  .navbar-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .mobile-nav {
    display: block;
  }

  .hero h1 {
    font-size: 2.25rem;
  }

  .hero {
    min-height: 82vh;
    background-position: 62% center;
  }

  .agency-intro,
  .founder-story,
  .services-overview {
    padding: 72px 24px;
  }

  .founder-story-layout {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
  }

  .founder-copy {
    max-width: 600px;
  }

  .founder-signature {
    transform-origin: center;
  }

  .carrier-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .quote-cards {
    grid-template-columns: 1fr;
    max-width: 480px;
  }

  .tab-btn {
    padding: 10px 24px;
    font-size: 0.9rem;
  }

  .case-study-explorer {
    padding: 52px 18px 72px;
  }

  .case-study-tabs {
    display: flex;
    gap: 12px;
    margin-right: -18px;
    padding-right: 18px;
    overflow-x: auto;
    scroll-snap-type: x proximity;
  }

  .case-study-tab {
    flex: 0 0 210px;
    scroll-snap-align: start;
  }

  .case-study-panel {
    padding: 18px;
  }

  .case-study-copy {
    margin-bottom: 16px;
  }

  .risk-hotspot {
    width: 36px;
    padding: 4px;
  }

  .risk-hotspot > span:last-child {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }

  .risk-popover {
    width: min(245px, 78vw);
  }

  .decision-cta {
    padding: 64px 20px;
  }
}

@media (max-width: 480px) {
  .hero-buttons {
    flex-direction: column;
    align-items: center;
  }

  .btn-primary,
  .btn-outline {
    width: 100%;
    text-align: center;
  }

  .decision-cta-actions {
    flex-direction: column;
  }

  .carrier-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
}

/* ========== INDUSTRY SLIDESHOW ========== */
.industry-slideshow {
  position: relative;
  max-width: 900px;
  margin: 40px auto 0;
  border-radius: 12px;
  overflow: hidden;
  height: 420px;
}

.industry-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 0.9s ease;
  display: flex;
  align-items: flex-end;
}

.industry-slide.active {
  opacity: 1;
}

.industry-slide-label {
  width: 100%;
  padding: 24px 32px;
  background: linear-gradient(to top, rgba(0,32,96,0.88) 50%, transparent);
  color: #fff;
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.slideshow-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin: 18px auto 0;
}

.slideshow-dot {
  position: relative;
  width: 32px;
  height: 32px;
  background: transparent;
  cursor: pointer;
  border: none;
  padding: 0;
}

.slideshow-dot::before {
  content: '';
  position: absolute;
  width: 10px;
  height: 10px;
  top: 50%;
  left: 50%;
  border-radius: 50%;
  background: rgba(255,255,255,0.45);
  transform: translate(-50%, -50%);
  transition: background 0.3s, transform 0.3s;
}

.slideshow-dot.active::before {
  background: #fff;
  transform: translate(-50%, -50%) scale(1.2);
}

.slideshow-control {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin: 18px auto 0;
  min-height: 40px;
  padding: 0 18px;
  border: 2px solid #fff;
  border-radius: 6px;
  background: transparent;
  color: #fff;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  cursor: pointer;
}

.slideshow-control:hover,
.slideshow-control:focus-visible {
  background: #fff;
  color: #002060;
}

/* ========== FOOTER LINKEDIN ========== */
.footer-linkedin {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  margin-top: 14px;
  transition: color 0.2s;
}

.footer-linkedin:hover {
  color: #fff;
}

.footer-linkedin i {
  font-size: 1.25rem;
}

/* ========== STEPPED CONTACT FORM ========== */
.form-step {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 18px;
}

.form-step-num {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #002060;
  color: #fff;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}

.form-step-body {
  flex: 1;
}

.form-fieldset {
  display: block;
  width: 100%;
  min-width: 0;
  margin: 0;
  padding: 0;
  border: none;
}

.form-fieldset > legend {
  padding: 0;
  font-size: 0.95rem;
  font-weight: 600;
  color: #002060;
}

.file-input-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.form-step-body input[type="text"],
.form-step-body input[type="email"],
.form-step-body input[type="tel"],
.form-step-body input[type="file"],
.form-step-body select,
.form-step-body textarea {
  width: 100%;
  padding: 11px 14px;
  border: 2px solid #ddd;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: #333;
  background: #fff;
  transition: border-color 0.2s;
  box-sizing: border-box;
}

.form-step-body input[type="text"]:focus,
.form-step-body input[type="email"]:focus,
.form-step-body input[type="tel"]:focus,
.form-step-body select:focus,
.form-step-body textarea:focus {
  outline: none;
  border-color: #002060;
}

.form-step-body input.file-input-hidden[type="file"] {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.form-step-body textarea {
  min-height: 110px;
  resize: vertical;
}

.review-request {
  background: #fff;
}

.review-request .contact-form {
  max-width: 820px;
}

.review-step-title {
  margin: 0 0 14px;
  color: #002060;
  font-size: 1.05rem;
  font-weight: 700;
}

.review-request .form-step {
  gap: 18px;
  margin-bottom: 16px;
  padding: 22px;
  border: 1px solid #dce2eb;
  border-radius: 14px;
  background: #f9fafc;
}

.review-request .review-audience-panel .form-step {
  background: #fff;
}

.review-request .form-step-body > .form-row + .form-row {
  margin-top: 16px;
}

.review-request .contact-pref--group {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid #dce2eb;
}

.review-audience-panel[hidden] {
  display: none;
}

.risk-matrix {
  margin: 0;
}

.risk-matrix > legend {
  margin-bottom: 18px;
  font-size: 1.1rem;
}

.risk-matrix--events {
  margin-top: 28px;
}

.risk-category {
  margin-top: 22px;
  padding-top: 20px;
  border-top: 1px solid #e2e7ef;
}

.risk-category:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.risk-category h3 {
  margin: 0 0 10px;
  color: #52627a;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 18px;
  margin: 0;
}

.checklist-grid label {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin: 0;
  color: #334155;
  font-size: 0.9rem;
  font-weight: 500;
  line-height: 1.4;
  padding: 9px 10px;
  border: 1px solid #e1e6ee;
  border-radius: 8px;
  background: #f8fafc;
}

.checklist-grid label:has(input:checked) {
  color: #002060;
  border-color: #8fa5cc;
  background: #eef3fb;
}

.checklist-grid input[type="checkbox"] {
  width: 16px;
  height: 16px;
  margin: 2px 0 0;
  accent-color: #002060;
  flex: 0 0 auto;
}

.form-field.is-invalid input,
.form-field.is-invalid select,
.form-field.is-invalid textarea {
  border-color: #b42318;
}

.form-field.is-valid input,
.form-field.is-valid select,
.form-field.is-valid textarea {
  border-color: #2f7d4a;
}

.form-field-error {
  margin: 6px 0 0;
  color: #b42318;
  font-size: 0.82rem;
  line-height: 1.35;
}

.upload-label {
  margin-top: 28px;
}

.form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-step-body label {
  display: block;
  font-weight: 600;
  margin-bottom: 5px;
  color: #002060;
  font-size: 0.95rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.form-field {
  min-width: 0;
}

.form-step.is-inactive {
  opacity: 1;
}

.form-step.is-inactive .form-step-num {
  background: #5f6f84;
}

.form-step.is-inactive .form-step-body label,
.form-step.is-inactive .pref-label,
.form-step.is-inactive .pref-option,
.form-step.is-inactive .file-disclaimer {
  color: #4e5c70;
}

.form-step.is-inactive .form-step-body input:not([type="radio"]),
.form-step.is-inactive .form-step-body select,
.form-step.is-inactive .form-step-body textarea {
  background: #f3f5f8;
  border-color: #d7deea;
  color: #7d8797;
}

.form-disclosure {
  font-size: 0.8rem;
  color: #888;
  margin-top: 6px;
  font-style: italic;
}

.contact-pref {
  display: flex;
  gap: 16px;
  margin-top: 8px;
  flex-wrap: wrap;
}

.contact-pref--stacked {
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
}

.contact-pref--buttons {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.label-optional {
  font-weight: 400;
  color: #888;
  font-size: 0.85rem;
}

.asterisk-required {
  color: #c0392b;
  font-weight: 700;
}

.asterisk-optional {
  color: #002060;
  font-weight: 700;
}

.asterisk-conditional {
  color: #4e5c70;
  font-weight: 700;
}

.field-requirement {
  font-size: 0.78rem;
  font-weight: 600;
}

.form-legend {
  display: flex;
  gap: 18px;
  font-size: 0.85rem;
  color: #555;
  margin-bottom: 10px;
}

.pref-label {
  font-size: 0.9rem;
  font-weight: 600;
  color: #002060;
  margin-right: 4px;
}

.contact-pref--group {
  align-items: center;
}

.contact-pref--group .pref-label {
  float: left;
  margin-top: 1px;
}

.pref-option {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.9rem;
  color: #333;
  cursor: pointer;
}

.pref-option input[type="radio"] {
  accent-color: #002060;
  width: 16px;
  height: 16px;
  cursor: pointer;
}

.pref-option--button {
  position: relative;
  margin: 0;
}

.pref-option--button input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.pref-chip {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 16px;
  border: 2px solid #d1d8e5;
  border-radius: 10px;
  background: #fff;
  color: #002060;
  font-size: 0.92rem;
  font-weight: 700;
  text-align: center;
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}

.pref-option--button:hover .pref-chip,
.pref-option--button:focus-within .pref-chip {
  border-color: #002060;
  box-shadow: 0 0 0 4px rgba(0, 32, 96, 0.08);
}

.pref-option--button input[type="radio"]:checked + .pref-chip {
  background: #002060;
  border-color: #002060;
  color: #fff;
}

.form-step.is-inactive .pref-chip {
  background: #f3f5f8;
  border-color: #8a98ac;
  color: #4e5c70;
}

.file-callout {
  background: #F5F4F0;
  border-left: 4px solid #002060;
  border-radius: 0 8px 8px 0;
  padding: 14px 18px;
  margin-top: 8px;
}

.file-disclaimer {
  margin: 16px 0 0;
  font-size: 0.8rem;
  line-height: 1.5;
  color: #666;
  background: #f5f7fb;
  border-left: 3px solid #002060;
  padding: 6px 0 6px 10px;
}

.file-dropzone {
  border: 2px dashed #bcc6d8;
  border-radius: 12px;
  background: #f8fafc;
  padding: 24px 18px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.25s ease, background 0.25s ease, box-shadow 0.25s ease;
}

.file-dropzone:hover,
.file-dropzone:focus-visible,
.file-input-hidden:focus-visible + .file-dropzone,
.file-dropzone.is-dragging {
  border-color: #002060;
  background: #f1f5fb;
  box-shadow: 0 0 0 4px rgba(0, 32, 96, 0.08);
  outline: none;
}

.file-dropzone.has-error {
  border-color: #c0392b;
  background: #fdf0ee;
  box-shadow: 0 0 0 4px rgba(192, 57, 43, 0.08);
}

.file-dropzone.is-disabled {
  cursor: default;
  opacity: 0.8;
  pointer-events: none;
}

.file-dropzone-icon {
  font-size: 1.75rem;
  color: #002060;
  margin-bottom: 10px;
}

.file-dropzone.has-error .file-dropzone-icon {
  color: #c0392b;
}

.file-dropzone-title {
  margin: 0;
  font-size: 1rem;
  font-weight: 700;
  color: #002060;
}

.file-dropzone-subtitle {
  margin: 6px 0 0;
  font-size: 0.9rem;
  color: #556070;
}

.file-upload-progress {
  display: none;
  height: 8px;
  margin-top: 12px;
  border-radius: 999px;
  background: #dbe3ef;
  overflow: hidden;
}

.file-upload-progress.is-active,
.file-upload-progress.is-complete {
  display: block;
}

.file-upload-progress-bar {
  display: block;
  width: 45%;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, #8ea7d4 0%, #002060 55%, #8ea7d4 100%);
  background-size: 200% 100%;
  animation: upload-progress-slide 1.2s linear infinite;
}

.file-upload-progress.is-complete .file-upload-progress-bar {
  width: 100%;
  background: #2e7d32;
  animation: none;
}

.file-upload-list {
  display: grid;
  gap: 10px;
  margin-top: 12px;
}

.file-upload-list:empty {
  display: none;
  margin-top: 0;
}

.file-upload-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 10px;
  background: #f5f7fb;
  border: 1px solid #d7deea;
}

.file-upload-item.is-invalid {
  background: #fdf0ee;
  border-color: #e1a39b;
}

.file-upload-item-main {
  min-width: 0;
}

.file-upload-name {
  display: block;
  font-size: 0.92rem;
  font-weight: 600;
  color: #21324f;
  word-break: break-word;
}

.file-upload-meta {
  display: block;
  margin-top: 4px;
  font-size: 0.82rem;
  color: #66758d;
}

.file-upload-item.is-invalid .file-upload-meta {
  color: #a33a2d;
}

.file-upload-remove {
  flex-shrink: 0;
  border: none;
  background: transparent;
  color: #002060;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  padding: 0;
}

.file-upload-item.is-invalid .file-upload-remove {
  color: #c0392b;
}

.file-upload-feedback {
  min-height: 0;
  margin: 6px 0 0;
  font-size: 0.9rem;
  color: #556070;
}

.file-upload-feedback:empty {
  display: none;
  margin: 0;
}

.file-upload-feedback.has-error {
  color: #c0392b;
}

.form-turnstile {
  margin: 18px 0 8px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.turnstile-feedback {
  min-height: 0;
  width: 100%;
  margin: 4px 0 0;
  font-size: 0.9rem;
  color: #556070;
  text-align: center;
}

.turnstile-feedback.has-error {
  color: #c0392b;
}

.file-callout p {
  font-size: 0.9rem;
  color: #555;
  font-weight: 600;
  margin-bottom: 8px;
}

.file-callout ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.file-callout ul li {
  font-size: 0.85rem;
  color: #555;
  padding: 3px 0;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.file-callout ul li::before {
  content: '\f00c';
  font-family: 'Font Awesome 6 Free';
  font-weight: 900;
  color: #002060;
  font-size: 0.75rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.quote-transition {
  max-width: 640px;
  margin: 0 auto 40px;
  text-align: center;
  color: #555;
  font-size: 1rem;
  line-height: 1.7;
}

.quote-transition strong {
  color: #002060;
}

/* ========== BLOG PAGE ========== */
.blog {
  background: #F5F4F0;
  padding: 96px 24px;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 48px;
}

.blog-card {
  background: #fff;
  border-radius: 10px;
  padding: 32px 28px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}

.blog-card-tag {
  display: inline-block;
  background: #002060;
  color: #fff;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  width: fit-content;
}

.blog-card-meta {
  font-size: 0.8rem;
  color: #999;
  margin-bottom: 10px;
}

.blog-card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  font-weight: 600;
  color: #002060;
  margin-bottom: 12px;
  line-height: 1.3;
}

.blog-card-excerpt {
  color: #555;
  font-size: 0.92rem;
  line-height: 1.7;
  flex-grow: 1;
  margin-bottom: 20px;
}

.blog-card-link {
  color: #002060;
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.2s;
}

.blog-card-link:hover {
  gap: 10px;
}

/* ========== BLOG SEARCH ========== */
.blog-search-section {
  background: #F5F4F0;
  padding: 40px 0 20px;
}

.blog-search-wrap {
  position: relative;
  max-width: 600px;
  margin: 0 auto;
}

.blog-search-icon {
  position: absolute;
  left: 18px;
  top: 50%;
  transform: translateY(-50%);
  color: #002060;
  font-size: 1rem;
  pointer-events: none;
}

.blog-search-input {
  width: 100%;
  padding: 14px 20px 14px 48px;
  border: 2px solid #002060;
  border-radius: 4px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  color: #333;
  background: #fff;
  outline: none;
  transition: box-shadow 0.2s ease;
}

.blog-search-input::placeholder {
  color: #999;
}

.blog-search-input:focus {
  box-shadow: 0 0 0 3px rgba(0, 32, 96, 0.15);
}

.blog-no-results {
  text-align: center;
  color: #666;
  font-style: italic;
  margin-top: 16px;
  font-size: 0.95rem;
}

@media (max-width: 1024px) {
  .blog-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .industry-slideshow {
    height: 340px;
  }
}

@media (max-width: 768px) {
  .form-row {
    grid-template-columns: 1fr;
  }

  .contact-pref--buttons {
    grid-template-columns: 1fr;
  }

  .blog-grid {
    grid-template-columns: 1fr;
    max-width: 520px;
    margin: 48px auto 0;
  }
  .industry-slideshow {
    height: 260px;
  }
  .industry-slide-label {
    font-size: 1.5rem;
    padding: 18px 20px;
  }
  .privacy-content {
    padding: 64px 30px;
  }
  .privacy-section p,
  .privacy-section ul li,
  .privacy-contact-link {
    font-size: 0.94rem;
  }
}

/* ========== 404 PAGE ========== */
.hero-404 {
  min-height: 70vh;
  background: #002060;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  position: relative;
  padding: 120px 24px 80px;
}

.hero-404::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0, 32, 96, 0.9);
  pointer-events: none;
}

.hero-404-content {
  position: relative;
  z-index: 1;
  max-width: 600px;
}

.hero-404-icon {
  font-size: 4rem;
  color: #fff;
  margin-bottom: 24px;
  opacity: 0.8;
}

.hero-404-title {
  font-size: clamp(4rem, 12vw, 8rem);
  color: #fff;
  margin-bottom: 16px;
  font-weight: 700;
  letter-spacing: 2px;
}

.hero-404-subtitle {
  font-size: clamp(1.5rem, 4vw, 2.5rem);
  color: #fff;
  margin-bottom: 24px;
  font-weight: 600;
}

.hero-404-description {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

.hero-404-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-secondary {
  display: inline-block;
  background: transparent;
  color: #fff;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid #fff;
  cursor: pointer;
  transition: background 0.25s, color 0.25s;
}

.btn-secondary:hover {
  background: #fff;
  color: #002060;
}

.quick-links {
  background: #F5F4F0;
  padding: 80px 24px;
}

.quick-links h3 {
  font-size: 1.8rem;
  color: #002060;
  text-align: center;
  margin-bottom: 48px;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 600;
}

.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 32px;
  max-width: 1000px;
  margin: 0 auto;
}

.quick-link-card {
  background: #fff;
  border-radius: 10px;
  padding: 32px 24px;
  text-align: center;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
  text-decoration: none;
  display: block;
}

.quick-link-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}

.quick-link-card i {
  font-size: 2rem;
  color: #002060;
  margin-bottom: 16px;
}

.quick-link-card h4 {
  font-size: 1.25rem;
  color: #002060;
  margin-bottom: 8px;
  font-weight: 600;
}

.quick-link-card p {
  color: #555;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ========== PRIVACY POLICY ========== */
.privacy-content {
  padding: 80px 24px;
  background: #fff;
}

.privacy-body {
  max-width: 920px;
  margin: 0 auto;
}

.privacy-section {
  padding-bottom: 48px;
  margin-bottom: 48px;
  border-bottom: 1px solid #e8e8e8;
}

.privacy-section--last {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.privacy-section-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}

.privacy-section-header i {
  font-size: 1.15rem;
  color: #002060;
  width: 26px;
  text-align: center;
  flex-shrink: 0;
}

.privacy-section-header h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: #002060;
  margin: 0;
}

.privacy-section h3 {
  font-size: 0.75rem;
  font-weight: 700;
  color: #555;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin: 28px 0 8px;
}

.privacy-section p {
  color: #444;
  line-height: 1.85;
  margin-bottom: 10px;
}

.privacy-section ul {
  margin: 0 0 10px 0;
  padding: 0;
  list-style: none;
}

.privacy-section ul li {
  color: #444;
  line-height: 1.8;
  padding: 3px 0 3px 20px;
  position: relative;
}

.privacy-section ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 14px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: #002060;
}

.privacy-contact-card {
  background: #F5F4F0;
  border-left: 4px solid #002060;
  border-radius: 0 8px 8px 0;
  padding: 24px 28px;
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.privacy-contact-name {
  font-weight: 700;
  color: #002060;
  margin: 0;
  font-size: 1rem;
}

.privacy-contact-link {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #444;
  text-decoration: none;
  font-size: 0.95rem;
  transition: color 0.2s;
}

.privacy-contact-link i {
  color: #002060;
  width: 16px;
  text-align: center;
}

.privacy-contact-link:hover {
  color: #002060;
}

@media (forced-colors: active) {
  a:focus-visible,
  button:focus-visible,
  input:focus-visible,
  select:focus-visible,
  textarea:focus-visible,
  .form-step-body input[type="text"]:focus-visible,
  .form-step-body input[type="email"]:focus-visible,
  .form-step-body input[type="tel"]:focus-visible,
  .form-step-body select:focus-visible,
  .form-step-body textarea:focus-visible,
  .file-input-hidden:focus-visible + .file-dropzone {
    outline: 3px solid Highlight;
    outline-offset: 3px;
    box-shadow: none;
  }

  .pref-chip,
  .file-dropzone,
  .slideshow-control {
    border-color: ButtonText;
  }

  .slideshow-dot::before {
    background: Canvas;
    border: 2px solid ButtonText;
  }

  .slideshow-dot.active::before {
    background: Highlight;
    border-color: Highlight;
  }
}

/* Rebrand launch: client fit, process and short inquiry */
.section-kicker { color: #002060; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 18px; }
.client-fit, .working-together { padding: 80px 24px; }
.client-fit { background: #f5f7fa; }
.client-fit h2, .working-together h2, .owner-teaser h2, .conversation-cta h2 { color: #002060; font-size: clamp(2rem, 3.5vw, 3rem); max-width: 850px; }
.section-intro { max-width: 750px; font-size: 1.1rem; margin-top: 24px; }
.fit-grid, .process-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; margin-top: 42px; }
.fit-grid article { border-top: 2px solid #bdc9db; padding-top: 24px; }
.fit-grid h3, .process-grid h3 { font-size: 1.65rem; color: #002060; margin-bottom: 15px; }
.fit-closing { max-width: 850px; margin-top: 36px; }
.process-grid { list-style: none; counter-reset: process; }
.process-grid li { counter-increment: process; }
.process-grid li::before { content: '0' counter(process); color: #002060; display: block; font-size: .85rem; font-weight: 700; margin-bottom: 18px; }
.owner-teaser { padding: 65px 24px; background: #f5f7fa; }
.owner-teaser-layout { display: grid; grid-template-columns: 180px minmax(0, 600px); align-items: center; justify-content: center; gap: 48px; }
.owner-teaser img { width: 180px; height: 220px; object-fit: cover; border-radius: 8px; }
.owner-teaser p { margin: 16px 0; }
.text-link { color: #002060; font-weight: 600; text-decoration: underline; text-underline-offset: 5px; display: inline-block; padding: 10px 0; }
.conversation-cta { background: #002060; text-align: center; padding: 75px 24px; color: white; }
.conversation-cta h2 { color: white; margin: 0 auto 20px; }
.conversation-cta p { margin-bottom: 28px; }
.hero-explore { display: inline-flex; align-items: center; padding: 14px 22px; color: #fff; text-decoration: underline; text-underline-offset: 5px; }
.page-header > p { max-width: 650px; margin: 22px auto 0; padding: 0 20px; }
.inquiry-form { max-width: 760px; }
.inquiry-form .contact-pref--buttons { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 460px; }
.inquiry-form .pref-option--button, .inquiry-form .pref-chip { width: 100%; }
.inquiry-form .form-readiness-feedback { color: #4a5568; }
.inquiry-form input, .inquiry-form select, .inquiry-form textarea, .inquiry-form label { scroll-margin-top: 130px; }
.inquiry-form .btn-submit:not(:disabled) { background: #002060; }
.inquiry-form > .form-field, .inquiry-form > .form-row, .inquiry-form > fieldset, .inquiry-form > section { margin-bottom: 25px; }
.inquiry-form textarea { min-height: 105px; }
.inquiry-form input, .inquiry-form select, .inquiry-form textarea { font-size: 16px; }
.inquiry-form .form-field > input, .inquiry-form .form-field > select, .inquiry-form .form-field > textarea { width: 100%; padding: 12px 14px; border: 1px solid #8793a5; border-radius: 6px; font-family: inherit; color: #24324a; background: white; }
.inquiry-form .form-field > label { display: block; font-weight: 600; color: #002060; margin-bottom: 8px; }
.inquiry-form .field-requirement { font-size: .85rem; font-weight: 400; }
.inquiry-form section .form-field + .form-field { margin-top: 20px; }
.inquiry-form textarea { resize: vertical; }
.inquiry-form [hidden] { display: none !important; }
.field-help { font-size: .88rem; color: #4a5568; margin: 8px 0 16px; }
.field-help a, .contact-direct a, .inquiry-form noscript a { text-decoration: underline; text-underline-offset: 3px; }
.inquiry-optional { border-top: 1px solid #d5dce7; border-bottom: 1px solid #d5dce7; margin: 25px 0; padding: 16px 0; }
.inquiry-optional summary { cursor: pointer; color: #002060; font-weight: 600; min-height: 44px; padding: 8px 0; }
.inquiry-optional summary span { font-weight: 400; }
.inquiry-optional[open] summary { margin-bottom: 18px; }
summary:focus-visible { outline: 3px solid #002060; outline-offset: 4px; }
.inquiry-disclosure { font-size: .85rem; text-align: center; margin-top: 15px; }
.contact-direct { max-width: 760px; margin: 36px auto 0; text-align: center; padding: 25px; background: #f5f7fa; border-radius: 8px; }
.contact-direct h2 { font-size: 1.75rem; color: #002060; margin-bottom: 12px; }
.contact-direct p + p { font-size: .9rem; margin-top: 15px; }
@media (max-width: 1000px) { .navbar-links { gap: 14px; } .navbar-links a { font-size: .85rem; } }
@media (max-width: 760px) {
  .client-fit, .working-together, .owner-teaser, .conversation-cta { padding: 48px 20px; }
  .fit-grid, .process-grid { grid-template-columns: 1fr; gap: 28px; margin-top: 30px; }
  .owner-teaser-layout { grid-template-columns: 1fr; gap: 20px; }
  .owner-teaser img { width: 130px; height: 165px; }
  .inquiry-form .form-row { display: grid; grid-template-columns: 1fr; gap: 20px; }
  .contact-direct a { overflow-wrap: anywhere; }
}