/* ============================================================
   BlueNova Insurance Agency — site.css
   Light, photographic, no gradients. Brand blue #3E9CE9 is the
   logo mark; interactive blue is darkened so it clears AA on white.
   ============================================================ */

/* ---------- 1. Tokens ---------- */
:root {
  --ink:      #0B1533;   /* headings */
  --navy:     #02084B;   /* brand navy, from the logo */
  --brand:    #3E9CE9;   /* brand blue, from the logo — mark only */
  --blue:     #1F68B8;   /* interactive blue, AA on white */
  --blue-d:   #15508F;   /* hover / pressed */
  --blue-t:   #EAF2FB;   /* tint */

  --paper:    #FFFFFF;
  --sand:     #F4F6FA;   /* tinted section ground */
  --rule:     #E2E7F0;
  --rule-d:   #CDD5E4;
  --body:     #46516E;
  --muted:    #5D6782;

  --d: 'Plus Jakarta Sans', -apple-system, 'Segoe UI', sans-serif;
  --b: 'Inter', -apple-system, 'Segoe UI', Arial, sans-serif;

  --fs-h1:   clamp(2.25rem, 4.4vw, 3.4rem);
  --fs-h2:   clamp(1.75rem, 3vw, 2.375rem);
  --fs-h3:   clamp(1.125rem, 1.5vw, 1.3125rem);
  --fs-lead: clamp(1rem, 1.2vw, 1.125rem);

  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:24px;
  --s6:32px; --s7:48px; --s8:64px; --s9:88px;
  --sec: clamp(56px, 7vw, 92px);
  --gut: clamp(20px, 4vw, 40px);
  --maxw: 1180px;

  --sh-1: 0 1px 2px rgba(11,21,51,.05), 0 2px 6px rgba(11,21,51,.04);
  --sh-2: 0 2px 6px rgba(11,21,51,.06), 0 12px 30px rgba(11,21,51,.09);

  --r-s:6px; --r-m:10px; --r-l:14px;
  --ease: cubic-bezier(.2,.7,.3,1);
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0; background: var(--paper); color: var(--body);
  font-family: var(--b); font-size: 16px; line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
h1, h2, h3, h4 {
  font-family: var(--d); color: var(--ink); margin: 0;
  font-weight: 700; line-height: 1.1; letter-spacing: -.028em;
}
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }
a { color: var(--blue); text-underline-offset: 3px; }

:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; border-radius: 3px; }

.skip {
  position: absolute; left: var(--s4); top: -60px; z-index: 200;
  background: #fff; color: var(--ink); padding: var(--s3) var(--s5);
  border-radius: var(--r-m); font-family: var(--d); font-weight: 600;
  font-size: 14.5px; box-shadow: var(--sh-2); text-decoration: none;
  transition: top .18s var(--ease);
}
.skip:focus { top: var(--s4); }

/* ---------- 3. Layout ---------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gut); }
.sec { padding-block: var(--sec); }
.sand { background: var(--sand); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.lead { font-size: var(--fs-lead); line-height: 1.62; max-width: 46ch; }

.sechd { display: grid; gap: var(--s4); margin-bottom: var(--s7); }
.sechd h2 { font-size: var(--fs-h2); max-width: 17ch; }
.sechd p { font-size: 16.5px; max-width: 46ch; color: var(--body); }

/* ---------- 4. Header ---------- */
.hd {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(1.3) blur(10px);
  -webkit-backdrop-filter: saturate(1.3) blur(10px);
  border-bottom: 1px solid var(--rule);
}
.hdin { display: flex; align-items: center; gap: var(--s5); min-height: 74px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex: none; }
.logo svg { width: 28px; height: 28px; flex: none; }
.logo b {
  font-family: var(--d); font-size: 20px; font-weight: 800;
  letter-spacing: -.035em; color: var(--ink); white-space: nowrap;
}
.logo b i { font-style: normal; color: var(--blue); }

.nav { display: none; gap: var(--s6); margin-inline-start: auto; }
.nav a {
  font-family: var(--d); font-size: 14.5px; font-weight: 500;
  color: var(--ink); text-decoration: none; opacity: .84;
  transition: opacity .16s var(--ease), color .16s var(--ease);
}
.nav a:hover { opacity: 1; color: var(--blue); }

.hact { display: flex; align-items: center; gap: var(--s4); margin-inline-start: auto; }
.nav + .hact { margin-inline-start: 0; }
.tel {
  display: none; font-family: var(--d); font-weight: 700; font-size: 14.5px;
  color: var(--ink); text-decoration: none; white-space: nowrap;
}
.tel:hover { color: var(--blue); }
.hact .btn { display: none; }

.burger {
  display: inline-flex; flex-direction: column; justify-content: center; gap: 5px;
  width: 42px; height: 42px; padding: 0 9px; background: #fff; cursor: pointer;
  border: 1px solid var(--rule); border-radius: var(--r-s);
}
.burger span { height: 1.5px; background: var(--ink); transition: transform .26s var(--ease), opacity .16s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

.drawer {
  position: fixed; inset: 74px 0 auto 0; z-index: 49;
  background: #fff; border-bottom: 1px solid var(--rule); box-shadow: var(--sh-2);
  padding: var(--s5) var(--gut) var(--s7); display: grid; gap: 2px;
  transform: translateY(-10px); opacity: 0; visibility: hidden;
  transition: transform .26s var(--ease), opacity .2s var(--ease), visibility .26s;
}
.drawer[data-open="true"] { transform: none; opacity: 1; visibility: visible; }
.drawer a {
  font-family: var(--d); font-size: 16.5px; font-weight: 500; color: var(--ink);
  text-decoration: none; padding: var(--s3) 0; border-bottom: 1px solid var(--rule);
}
.drawer .btn { margin-top: var(--s4); }

/* Language switch */
.lang {
  display: inline-flex; flex: none; border: 1px solid var(--rule);
  border-radius: 100px; overflow: hidden; background: #fff;
}
.lang a {
  font-family: var(--d); font-size: 11.5px; font-weight: 700; letter-spacing: .04em;
  color: var(--muted); text-decoration: none; padding: 6px 11px; line-height: 1.4;
  transition: background-color .16s var(--ease), color .16s var(--ease);
}
.lang a:hover { color: var(--ink); background: var(--sand); }
.lang a[aria-current] { background: var(--ink); color: #fff; }
.drawer .lang { justify-self: start; margin-top: var(--s4); }
.drawer .lang a { padding: 8px 15px; font-size: 12.5px; border-bottom: 0; }

/* ---------- 5. Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--d); font-weight: 600; font-size: 14.5px; line-height: 1;
  padding: 13px 20px; border-radius: var(--r-s); text-decoration: none;
  border: 1px solid transparent; cursor: pointer; white-space: nowrap;
  transition: background-color .16s var(--ease), border-color .16s var(--ease), color .16s var(--ease);
}
.btn-p { background: var(--blue); color: #fff; }
.btn-p:hover { background: var(--blue-d); }
.btn-o { background: #fff; border-color: var(--rule-d); color: var(--ink); }
.btn-o:hover { border-color: var(--ink); }
.btn-w { background: #fff; color: var(--ink); }
.btn-w:hover { background: #EFF3F9; }
.btn-gh { background: transparent; border-color: rgba(255,255,255,.5); color: #fff; }
.btn-gh:hover { border-color: #fff; background: rgba(255,255,255,.12); }
.btn-lg { padding: 15px 26px; font-size: 15.5px; }
.btn-full { width: 100%; padding-block: 15px; font-size: 15.5px; }

/* ---------- 6. Hero ---------- */
.hero { padding-block: clamp(40px, 5.5vw, 76px) clamp(48px, 6vw, 80px); }
.heroin { display: grid; gap: var(--s8); align-items: center; }
.kicker { font-family: var(--d); font-size: 13px; font-weight: 600; color: var(--blue); margin-bottom: var(--s5); }
.hero h1 { font-size: var(--fs-h1); font-weight: 800; letter-spacing: -.035em; max-width: 13ch; }
.hero .lead { margin-top: var(--s5); color: var(--body); }
.cta { display: flex; flex-wrap: wrap; gap: var(--s3); margin-top: var(--s6); }

.facts {
  display: flex; flex-wrap: wrap; gap: var(--s5) 0;
  margin-top: var(--s7); border-top: 1px solid var(--rule); padding-top: var(--s5);
}
.facts div { padding-right: 22px; margin-right: 22px; border-right: 1px solid var(--rule); }
.facts div:last-child { border: 0; margin: 0; padding: 0; }
.facts b { display: block; font-family: var(--d); font-size: 13.5px; font-weight: 700; color: var(--ink); white-space: nowrap; }
.facts span { font-size: 12.5px; color: var(--muted); white-space: nowrap; }

.shot { position: relative; }
.shot img { width: 100%; height: clamp(280px, 42vw, 520px); object-fit: cover; border-radius: var(--r-l); }
.badge {
  position: absolute; left: var(--s4); bottom: var(--s5);
  background: #fff; border: 1px solid var(--rule); border-radius: var(--r-m);
  padding: 16px 20px; box-shadow: var(--sh-2); max-width: 78%;
}
.badge b { display: block; font-family: var(--d); font-size: 22px; font-weight: 800; color: var(--ink); letter-spacing: -.03em; }
.badge span { font-size: 13px; color: var(--muted); }

/* ---------- 7. Coverage: a list drives a detail panel ---------- */
.cov { display: grid; gap: var(--s6); }
.covlist { border-top: 1px solid var(--rule); align-self: start; }
.covlist button {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  border-bottom: 1px solid var(--rule); padding: 15px 14px 15px 0;
  display: flex; align-items: center; justify-content: space-between; gap: var(--s4);
  font-family: var(--d); font-size: 16.5px; font-weight: 600; color: var(--ink);
  letter-spacing: -.018em;
  transition: background-color .16s var(--ease), padding-inline-start .2s var(--ease), color .16s var(--ease);
}
.covlist button:hover { background: var(--sand); padding-inline-start: 12px; }
.covlist button svg { flex: none; opacity: 0; transform: translateX(-4px); transition: opacity .18s var(--ease), transform .18s var(--ease); }
.covlist button[aria-selected="true"] { color: var(--blue); background: var(--blue-t); padding-inline-start: 12px; }
.covlist button[aria-selected="true"] svg { opacity: 1; transform: none; }

.covpanel { display: none; }
.covpanel[data-active="true"] { display: block; }
.covpanel h3 { font-size: var(--fs-h3); }
.covpanel > p { font-size: 16.5px; color: var(--body); margin-top: var(--s3); max-width: 64ch; }
.covpanel ul { margin-top: var(--s5); display: grid; gap: 10px; }
.covpanel li {
  font-size: 15px; line-height: 1.55; color: var(--ink);
  padding: 0 0 10px 26px; border-bottom: 1px solid var(--rule); position: relative;
}
.covpanel li::before {
  content: ''; position: absolute; left: 1px; top: 6px; width: 13px; height: 7px;
  border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue);
  transform: rotate(-45deg);
}
.note {
  margin-top: var(--s5); background: #fff; border: 1px solid var(--rule);
  border-left: 3px solid var(--blue); border-radius: 0 var(--r-m) var(--r-m) 0;
  padding: var(--s4) var(--s5);
}
.note b { display: block; font-family: var(--d); font-size: 14.5px; font-weight: 700; color: var(--ink); }
.note p { font-size: 14.5px; color: var(--body); margin-top: 5px; line-height: 1.55; }

/* ---------- 8. Trucking: full-bleed photograph ---------- */
.band { position: relative; overflow: hidden; background: var(--navy); }
.band > img {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: 62% 50%;
}
.band .scrim {
  position: absolute; inset: 0;
  background: linear-gradient(96deg, rgba(5,10,26,.94) 0%, rgba(5,10,26,.88) 46%, rgba(5,10,26,.52) 72%, rgba(5,10,26,.16) 100%);
}
.bandin { position: relative; padding-block: clamp(64px, 8vw, 108px); }
.band h2 { color: #fff; font-size: var(--fs-h2); max-width: 15ch; }
.band .lead { color: rgba(255,255,255,.86); margin-top: var(--s4); }
/* The text column stays inside the scrim; detail lives in the light section below */
.bandin > * { max-width: 620px; }
.bandcols { display: grid; gap: var(--s6); }
.bandcols h3 { font-size: 16px; letter-spacing: -.015em; }
.bandcols p { color: var(--body); font-size: 14.5px; margin-top: 7px; line-height: 1.58; }
.chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: var(--s4); }
.chips li {
  font-family: var(--d); font-size: 12.5px; font-weight: 600; color: var(--blue);
  border: 1px solid var(--rule-d); background: #fff; border-radius: 100px; padding: 5px 11px;
}
.bandlist { border-top: 1px solid rgba(255,255,255,.26); margin-top: var(--s7); }
.bandlist li {
  display: flex; justify-content: space-between; gap: var(--s4); align-items: baseline;
  padding: 11px 0; border-bottom: 1px solid rgba(255,255,255,.16);
  font-family: var(--d); font-size: 14.5px; font-weight: 500; color: #fff;
}
.bandlist li span { font-family: var(--b); font-weight: 400; font-size: 13px; color: rgba(255,255,255,.7); text-align: right; }

/* ---------- 9. Quote form ---------- */
.qt { display: grid; gap: var(--s7); align-items: start; }
.qt h2 { font-size: var(--fs-h2); max-width: 15ch; }
.qt .lead { margin-top: var(--s4); }
.ready { margin-top: var(--s6); border-top: 1px solid var(--rule); }
.ready li {
  display: grid; grid-template-columns: 104px 1fr; gap: var(--s4);
  padding: 13px 0; border-bottom: 1px solid var(--rule); font-size: 14.5px;
}
.ready b { font-family: var(--d); font-weight: 600; color: var(--ink); font-size: 13.5px; }
.ready span { color: var(--muted); line-height: 1.5; }

.form { background: #fff; border: 1px solid var(--rule); border-radius: var(--r-l); padding: var(--s6) clamp(20px,3vw,30px); box-shadow: var(--sh-1); }
.form h3 { font-size: 19px; }
.form > p { font-size: 14.5px; color: var(--muted); margin-top: 5px; }
fieldset { border: 0; padding: 0; margin: var(--s5) 0 0; }
legend, .field > label {
  font-family: var(--d); font-size: 13px; font-weight: 600; color: var(--ink); padding: 0;
}
.pills { display: flex; flex-wrap: wrap; gap: 7px; margin-top: var(--s3); }
.pills input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.pills label {
  display: inline-flex; font-family: var(--d); font-size: 13px; font-weight: 500; color: var(--body);
  padding: 8px 13px; border: 1px solid var(--rule-d); border-radius: 100px; cursor: pointer; background: #fff;
  transition: background-color .16s var(--ease), border-color .16s var(--ease), color .16s var(--ease);
}
.pills label:hover { border-color: var(--blue); color: var(--blue); }
.pills input:checked + label { background: var(--blue); border-color: var(--blue); color: #fff; }
.pills input:focus-visible + label { outline: 2px solid var(--blue); outline-offset: 2px; }

.field { display: grid; gap: 7px; margin-top: var(--s4); }
.field input {
  font-family: var(--b); font-size: 15.5px; color: var(--ink);
  padding: 12px 14px; border: 1px solid var(--rule-d); border-radius: var(--r-s);
  background: #fff; width: 100%;
  transition: border-color .16s var(--ease), box-shadow .16s var(--ease);
}
.field input::placeholder { color: #97A0B7; }
.field input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(31,104,184,.15); }
.two { display: grid; gap: var(--s3); grid-template-columns: 1fr 1fr; }
.form .btn-full { margin-top: var(--s5); }
.fine { font-size: 12.5px; line-height: 1.55; color: var(--muted); margin-top: var(--s4); }

/* ---------- 10. Compare ---------- */
.cmp { display: grid; gap: var(--s5); }
.cmpcol { border: 1px solid var(--rule); border-radius: var(--r-l); padding: var(--s6) var(--s5); background: #fff; }
.cmpcol--a { background: var(--sand); }
.cmpcol--b { border-color: var(--blue); box-shadow: var(--sh-2); }
.cmpcol h3 { font-size: 18px; }
.cmpcol--a h3 { color: var(--muted); }
.cmpcol ul { margin-top: var(--s5); display: grid; gap: var(--s4); }
.cmpcol li { font-size: 15px; line-height: 1.55; padding-left: 26px; position: relative; }
.cmpcol--a li { color: var(--muted); }
.cmpcol--a li::before { content: ''; position: absolute; left: 2px; top: 11px; width: 12px; height: 1.5px; background: var(--rule-d); }
.cmpcol--b li { color: var(--ink); }
.cmpcol--b li::before {
  content: ''; position: absolute; left: 0; top: 5px; width: 13px; height: 7px;
  border-left: 2px solid var(--blue); border-bottom: 2px solid var(--blue); transform: rotate(-45deg);
}

/* ---------- 11. Proof ---------- */
.says { display: grid; gap: var(--s7); }
.say { margin: 0; }
.say q { font-family: var(--d); font-size: clamp(1.0625rem,1.6vw,1.25rem); font-weight: 500; line-height: 1.5; color: var(--ink); letter-spacing: -.018em; display: block; }
.say figcaption { margin-top: var(--s4); padding-top: var(--s4); border-top: 1px solid var(--rule); font-size: 13px; color: var(--muted); }
.say figcaption strong { display: block; font-family: var(--d); font-size: 14px; color: var(--ink); font-weight: 600; margin-bottom: 2px; }

/* ---------- 12. Office ---------- */
.off { display: grid; gap: var(--s7); align-items: stretch; }
.offrow { display: grid; gap: 3px; padding-bottom: var(--s4); margin-bottom: var(--s4); border-bottom: 1px solid var(--rule); }
.offrow:last-child { border: 0; margin: 0; padding: 0; }
.offrow dt { font-family: var(--d); font-size: 12.5px; font-weight: 600; color: var(--muted); }
.offrow dd { margin: 0; font-family: var(--d); font-size: 16px; font-weight: 500; color: var(--ink); line-height: 1.5; }
.offrow dd a { color: var(--ink); text-decoration: none; overflow-wrap: anywhere; }
.offrow dd a:hover { color: var(--blue); text-decoration: underline; }
.map { border-radius: var(--r-l); overflow: hidden; border: 1px solid var(--rule); min-height: 330px; height: 100%; }
.map iframe { width: 100%; height: 100%; min-height: 330px; border: 0; display: block; filter: grayscale(.3) contrast(1.03); }

/* ---------- 13. FAQ ---------- */
.faq { border-top: 1px solid var(--rule); max-width: 820px; }
.faq > div { border-bottom: 1px solid var(--rule); }
.faq button {
  width: 100%; background: none; border: 0; cursor: pointer; text-align: left;
  display: flex; gap: var(--s4); justify-content: space-between; align-items: start;
  padding: var(--s5) 0; font-family: var(--d); font-size: 16.5px; font-weight: 600;
  color: var(--ink); letter-spacing: -.015em; line-height: 1.4;
  transition: color .16s var(--ease);
}
.faq button:hover { color: var(--blue); }
.faq button svg { margin-top: 5px; flex: none; transition: transform .26s var(--ease); }
.faq button[aria-expanded="true"] svg { transform: rotate(180deg); }
.faqp { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .3s var(--ease); }
.faqp > div { overflow: hidden; }
.faq button[aria-expanded="true"] + .faqp { grid-template-rows: 1fr; }
.faqp p { font-size: 15.5px; color: var(--body); padding-bottom: var(--s5); max-width: 68ch; }

/* ---------- 14. Closing CTA ---------- */
.end { background: var(--navy); }
.endin { display: grid; gap: var(--s6); align-items: center; padding-block: clamp(48px,6vw,80px); }
.end h2 { color: #fff; font-size: var(--fs-h2); max-width: 16ch; }
.end p { color: rgba(255,255,255,.82); font-size: var(--fs-lead); max-width: 48ch; margin-top: var(--s4); }
.endacts { display: flex; flex-wrap: wrap; gap: var(--s3); }

/* ---------- 15. Footer ---------- */
.ft { background: #fff; border-top: 1px solid var(--rule); padding-block: var(--s9) var(--s6); }
.ftgrid { display: grid; gap: var(--s7); }
.ftbrand p { font-size: 14.5px; color: var(--muted); max-width: 34ch; margin-top: var(--s4); }
.ftcols { display: grid; gap: var(--s6); grid-template-columns: repeat(2, minmax(0,1fr)); }
.ftcols > div { min-width: 0; }
.ftcols h3 { font-size: 12.5px; font-weight: 700; color: var(--ink); margin-bottom: var(--s4); }
.ftcols ul { display: grid; gap: 9px; }
.ftcols li { font-size: 14px; color: var(--muted); line-height: 1.5; overflow-wrap: anywhere; }
.ftcols a { color: var(--body); text-decoration: none; }
.ftcols a:hover { color: var(--blue); }
.ftlegal { margin-top: var(--s8); padding-top: var(--s5); border-top: 1px solid var(--rule); display: grid; gap: var(--s4); }
.ftlegal p { font-size: 12.5px; line-height: 1.6; color: var(--muted); max-width: 92ch; }
.ftlegal nav { display: flex; flex-wrap: wrap; gap: var(--s5); }
.ftlegal nav a { font-size: 12.5px; color: var(--body); text-decoration: none; }
.ftlegal nav a:hover { color: var(--blue); text-decoration: underline; }

/* ---------- 16. Document pages ---------- */
.doc { padding-block: clamp(48px,6vw,84px) var(--sec); }
.dochd { max-width: 66ch; padding-bottom: var(--s7); border-bottom: 1px solid var(--rule); }
.dochd h1 { font-size: clamp(2rem,3.8vw,2.875rem); font-weight: 800; letter-spacing: -.032em; }
.dochd .meta { font-size: 12.5px; color: var(--muted); margin-top: var(--s4); }
.dochd p.lead { margin-top: var(--s5); max-width: 62ch; }
.docsec { max-width: 66ch; padding-top: var(--s7); }
.docsec h2 { font-size: clamp(1.1875rem,1.8vw,1.4375rem); }
.docsec p { font-size: 16px; line-height: 1.72; margin-top: var(--s4); }
.docsec p strong { font-weight: 600; color: var(--ink); }

/* Short hero for thank-you / not-found */
.mini { padding-block: clamp(56px,7vw,96px); }
.mini h1 { font-size: var(--fs-h1); font-weight: 800; letter-spacing: -.035em; max-width: 15ch; }
.mini .lead { margin-top: var(--s5); }

/* Anchors must clear the sticky bar */
section[id], .form, .faq > div { scroll-margin-top: 92px; }

/* ---------- 17. Breakpoints ---------- */
@media (min-width: 620px) {
  .ftcols { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .ftlegal { grid-template-columns: 1fr auto; align-items: center; }
  .says { grid-template-columns: 1fr 1fr; gap: var(--s8); }
}

@media (min-width: 860px) {
  .tel { display: inline-block; }
  .hact .btn { display: inline-flex; }
  .sechd { grid-template-columns: 1fr 1fr; gap: var(--s8); align-items: end; }
  .cmp { grid-template-columns: 1fr 1fr; gap: var(--s6); }
  .qt { grid-template-columns: 1fr 430px; gap: var(--s8); }
  .off { grid-template-columns: 1fr 1.05fr; gap: var(--s8); }
  .endin { grid-template-columns: 1fr auto; gap: var(--s8); }
  .cov { grid-template-columns: 280px 1fr; gap: var(--s8); }
  .bandcols { grid-template-columns: repeat(2, 1fr); gap: var(--s7) var(--s8); }
}

@media (min-width: 1024px) {
  .nav { display: flex; }
  .burger, .drawer { display: none; }
  .heroin { grid-template-columns: 1.04fr 1fr; gap: var(--s9); }
  .ftgrid { grid-template-columns: .9fr 1.6fr; gap: var(--s9); }
  .badge { left: -26px; }
}

@media (max-width: 400px) {
  .hact .lang { display: none; }
  .two { grid-template-columns: 1fr; }
}

@media print {
  .hd, .drawer, .band > img, .band .scrim, .end { display: none !important; }
  body { background: #fff; color: #000; }
}

/* ============================================================
   18. Multi-step quote form
   Without JS every step is visible and the form still submits.
   ============================================================ */
.wizhead { display: flex; align-items: baseline; justify-content: space-between; gap: var(--s4); }
.wizhead h3 { font-size: 19px; }
.wizstep { font-family: var(--d); font-size: 12.5px; font-weight: 600; color: var(--muted); white-space: nowrap; }
.bar { height: 3px; background: var(--rule); border-radius: 2px; margin-top: var(--s4); overflow: hidden; }
.bar i { display: block; height: 100%; width: 33%; background: var(--blue); border-radius: 2px; transition: width .34s var(--ease); }

.step { border: 0; padding: 0; margin: 0; }
[data-wiz="on"] .step { display: none; }
[data-wiz="on"] .step[data-on] { display: block; }
@media (prefers-reduced-motion: no-preference) {
  [data-wiz="on"] .step[data-on] { animation: stepIn .3s var(--ease) both; }
  [data-wiz="on"] .step[data-on][data-back] { animation-name: stepBack; }
}
@keyframes stepIn  { from { opacity: 0; transform: translateX(10px);  } to { opacity: 1; transform: none; } }
@keyframes stepBack { from { opacity: 0; transform: translateX(-10px); } to { opacity: 1; transform: none; } }

.wizfoot { display: flex; gap: var(--s3); margin-top: var(--s5); }
.wizfoot .btn { flex: 1; }
/* .btn sets display:inline-flex, which beats the UA rule for [hidden] */
.wizfoot .btn[hidden] { display: none; }
.wizfoot .btn-back { flex: 0 0 auto; background: #fff; border-color: var(--rule-d); color: var(--muted); }
.wizfoot .btn-back:hover { color: var(--ink); border-color: var(--ink); }

/* What they picked, carried across the later steps */
.picked {
  display: none; align-items: center; gap: var(--s3); flex-wrap: wrap;
  background: var(--blue-t); border: 1px solid #CFE0F3; border-radius: var(--r-s);
  padding: 9px 12px; margin-top: var(--s5);
  font-family: var(--d); font-size: 13px; font-weight: 600; color: var(--blue);
}
.picked[data-show] { display: flex; }
.picked button {
  margin-inline-start: auto; background: none; border: 0; cursor: pointer;
  font-family: var(--d); font-size: 12.5px; font-weight: 600; color: var(--blue);
  text-decoration: underline; text-underline-offset: 2px; padding: 2px 4px;
}
.picked button:hover { color: var(--blue-d); }

/* Conditional blocks, one per line of business */
.only { display: none; }
.only[data-on] { display: block; }

.hint { font-size: 12.5px; color: var(--muted); margin-top: 5px; }
.err { display: none; font-family: var(--d); font-size: 12.5px; font-weight: 500; color: #B3261E; margin-top: 5px; }
.field[data-bad] .err { display: block; }
.field[data-bad] input, .field[data-bad] select { border-color: #B3261E; }
.field[data-bad] input:focus, .field[data-bad] select:focus { box-shadow: 0 0 0 3px rgba(179,38,30,.14); }

select {
  font-family: var(--b); font-size: 15.5px; color: var(--ink);
  padding: 12px 40px 12px 14px; border: 1px solid var(--rule-d); border-radius: var(--r-s);
  background-color: #fff; width: 100%; appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml;utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235D6782' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
  transition: border-color .16s var(--ease), box-shadow .16s var(--ease);
}
select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(31,104,184,.15); }

/* Yes / no pair */
.yn { display: flex; gap: 7px; margin-top: 7px; }
.yn input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.yn label {
  flex: 1; text-align: center; font-family: var(--d); font-size: 13.5px; font-weight: 600;
  color: var(--body); padding: 10px 12px; border: 1px solid var(--rule-d);
  border-radius: var(--r-s); cursor: pointer; background: #fff;
  transition: background-color .16s var(--ease), border-color .16s var(--ease), color .16s var(--ease);
}
.yn label:hover { border-color: var(--blue); color: var(--blue); }
.yn input:checked + label { background: var(--blue); border-color: var(--blue); color: #fff; }
.yn input:focus-visible + label { outline: 2px solid var(--blue); outline-offset: 2px; }

/* Review list on the last step */
.review { margin-top: var(--s5); border-top: 1px solid var(--rule); }
.review > div { display: flex; justify-content: space-between; gap: var(--s4); padding: 10px 0; border-bottom: 1px solid var(--rule); font-size: 14px; }
.review dt { color: var(--muted); }
.review dd { margin: 0; font-family: var(--d); font-weight: 600; color: var(--ink); text-align: right; }

/* ============================================================
   19. Hail claim calculator
   ============================================================ */
.calc { display: grid; gap: var(--s7); align-items: start; }
.calcbox { background: #fff; border: 1px solid var(--rule); border-radius: var(--r-l); padding: var(--s6) clamp(20px,3vw,30px); box-shadow: var(--sh-1); }

.slider { display: grid; gap: 5px; margin-top: var(--s5); }
.slider .top { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s4); }
.slider label { font-family: var(--d); font-size: 13px; font-weight: 600; color: var(--ink); }
.slider output { font-family: var(--d); font-size: 15px; font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 22px; background: none; cursor: pointer; }
input[type=range]::-webkit-slider-runnable-track { height: 4px; background: var(--rule); border-radius: 3px; }
input[type=range]::-moz-range-track { height: 4px; background: var(--rule); border-radius: 3px; }
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--blue); border: 3px solid #fff; margin-top: -8px;
  box-shadow: 0 1px 4px rgba(11,21,51,.3); transition: transform .14s var(--ease);
}
input[type=range]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--blue);
  border: 3px solid #fff; box-shadow: 0 1px 4px rgba(11,21,51,.3);
}
input[type=range]:active::-webkit-slider-thumb { transform: scale(1.14); }
input[type=range]:focus-visible::-webkit-slider-thumb { outline: 2px solid var(--blue); outline-offset: 2px; }

.out { margin-top: var(--s6); border-top: 1px solid var(--rule); padding-top: var(--s5); }
.payrow { margin-top: var(--s5); }
.payrow:first-child { margin-top: 0; }
.payrow .top { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s4); }
.payrow b { font-family: var(--d); font-size: 14px; font-weight: 600; color: var(--ink); }
.payrow strong { font-family: var(--d); font-size: 22px; font-weight: 800; color: var(--ink); letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.payrow .track { height: 10px; background: var(--sand); border: 1px solid var(--rule); border-radius: 6px; margin-top: 9px; overflow: hidden; }
.payrow .track i { display: block; height: 100%; border-radius: 5px; width: 0; transition: width .5s var(--ease); }
.payrow--rcv .track i { background: var(--blue); }
.payrow--acv .track i { background: #AFBACE; }
.payrow small { display: block; font-size: 12.5px; color: var(--muted); margin-top: 7px; }

.gap {
  margin-top: var(--s6); background: var(--blue-t); border: 1px solid #CFE0F3;
  border-radius: var(--r-m); padding: var(--s5);
}
.gap b { display: block; font-family: var(--d); font-size: 13px; font-weight: 600; color: var(--blue); }
.gap strong { display: block; font-family: var(--d); font-size: clamp(1.75rem,3vw,2.25rem); font-weight: 800; color: var(--ink); letter-spacing: -.035em; margin-top: 3px; font-variant-numeric: tabular-nums; }
.gap p { font-size: 14px; color: var(--body); margin-top: 8px; line-height: 1.55; }
.disc { font-size: 12px; color: var(--muted); margin-top: var(--s4); line-height: 1.5; }

/* ============================================================
   20. Sticky call bar, phones only
   ============================================================ */
.callbar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  display: none; gap: var(--s3); padding: 10px var(--gut) calc(10px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.97); border-top: 1px solid var(--rule);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  transform: translateY(110%); transition: transform .28s var(--ease);
}
.callbar[data-show] { transform: none; }
.callbar .btn { flex: 1; }
@media (max-width: 859px) { .callbar { display: flex; } }

/* ============================================================
   21. Motion: one entrance on load, then only on interaction
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  .hero .rise { opacity: 0; transform: translateY(10px); }
  .ready .hero .rise { opacity: 1; transform: none; transition: opacity .44s var(--ease), transform .5s var(--ease); }
  .ready .hero .rise:nth-child(1) { transition-delay: .02s; }
  .ready .hero .rise:nth-child(2) { transition-delay: .08s; }
  .ready .hero .rise:nth-child(3) { transition-delay: .14s; }
  .ready .hero .rise:nth-child(4) { transition-delay: .2s; }
  .ready .hero .rise:nth-child(5) { transition-delay: .26s; }
  .hero .shot { opacity: 0; transform: translateY(12px); }
  .ready .hero .shot { opacity: 1; transform: none; transition: opacity .55s var(--ease) .1s, transform .6s var(--ease) .1s; }

  .covpanel[data-active="true"] { animation: panelIn .26s var(--ease) both; }
  @keyframes panelIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
}

@media (min-width: 860px) {
  .calc { grid-template-columns: 1fr 430px; gap: var(--s8); }
}