/* ==========================================================================
   Affordable Insurance Brokers — Global Stylesheet
   Palette: Deep navy + warm coral, with soft blush and cool ink for text.
   ========================================================================== */

:root {
  --c-navy: #0f3b5c;
  --c-navy-deep: #0a2941;
  --c-navy-soft: #1c5380;
  --c-coral: #ff6b47;
  --c-coral-dark: #e9542f;
  --c-amber: #f8b94a;
  --c-ink: #0f1b2d;
  --c-ink-muted: #4f6478;
  --c-ink-light: #8093a4;
  --c-surface: #ffffff;
  --c-surface-soft: #f4f7fa;
  --c-surface-card: #fbfcfe;
  --c-border: #dee5ee;
  --c-border-soft: #ebf0f6;
  --c-success: #2f9e6f;

  --shadow-sm: 0 1px 2px rgba(15, 27, 45, 0.06);
  --shadow-md: 0 6px 18px rgba(15, 27, 45, 0.08);
  --shadow-lg: 0 18px 40px rgba(15, 27, 45, 0.14);

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;
  --r-xl: 24px;

  --container: 1200px;
  --container-narrow: 920px;

  --t-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --t-serif: "Source Serif Pro", Georgia, "Times New Roman", serif;
}

/* Reset --------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--t-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--c-ink);
  background: var(--c-surface);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--c-navy); text-decoration: none; transition: color 0.15s ease; }
a:hover { color: var(--c-coral); }
button { font-family: inherit; cursor: pointer; }
ul, ol { padding-left: 1.2rem; }

/* Typography ---------------------------------------------------------------- */
h1, h2, h3, h4 {
  margin: 0 0 0.6em;
  font-weight: 700;
  line-height: 1.2;
  color: var(--c-navy-deep);
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.1rem, 4vw + 1rem, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.7rem, 2vw + 1rem, 2.4rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1em; color: var(--c-ink-muted); }
.lead { font-size: 1.15rem; color: var(--c-ink-muted); max-width: 60ch; }

/* Layout primitives --------------------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); }
.section { padding: 80px 0; }
.section-tight { padding: 56px 0; }
.section-soft { background: var(--c-surface-soft); }
.section-dark { background: var(--c-navy-deep); color: #e8eef5; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: #ffffff; }
.section-dark p { color: rgba(232, 238, 245, 0.78); }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-coral);
  margin-bottom: 14px;
}
.section-header { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.section-header.left { margin-left: 0; text-align: left; }

/* Buttons ------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 24px;
  border-radius: var(--r-md);
  font-weight: 600;
  font-size: 0.97rem;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform 0.12s ease, background 0.15s ease, color 0.15s ease, box-shadow 0.15s ease;
  text-align: center;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--c-coral); color: #fff; box-shadow: 0 6px 16px rgba(255, 107, 71, 0.32); }
.btn-primary:hover { background: var(--c-coral-dark); color: #fff; }
.btn-secondary { background: var(--c-navy); color: #fff; }
.btn-secondary:hover { background: var(--c-navy-deep); color: #fff; }
.btn-outline { background: transparent; color: var(--c-navy); border-color: var(--c-border); }
.btn-outline:hover { background: var(--c-navy); color: #fff; border-color: var(--c-navy); }
.btn-ghost { background: transparent; color: var(--c-navy); padding: 10px 0; }
.btn-ghost:hover { color: var(--c-coral); }
.btn-lg { padding: 16px 28px; font-size: 1.02rem; }
.btn-block { width: 100%; }

.btn-arrow::after { content: "→"; transition: transform 0.15s ease; }
.btn-arrow:hover::after { transform: translateX(3px); }

/* Header -------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--c-border-soft);
}
.topbar {
  background: var(--c-navy-deep);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.83rem;
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar a { color: inherit; }
.topbar a:hover { color: #fff; }
.topbar-contact { display: flex; gap: 18px; flex-wrap: wrap; }
.topbar-contact span { display: inline-flex; align-items: center; gap: 6px; }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--c-navy-deep);
  font-weight: 700;
}
.brand:hover { color: var(--c-navy-deep); }
.brand-mark {
  width: 42px;
  height: 42px;
  flex: 0 0 42px;
}
.brand-name { line-height: 1.05; }
.brand-name strong {
  display: block;
  font-size: 1.05rem;
  letter-spacing: -0.01em;
  color: var(--c-navy-deep);
}
.brand-name span {
  display: block;
  font-size: 0.74rem;
  font-weight: 500;
  color: var(--c-ink-muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.nav { display: flex; align-items: center; gap: 28px; }
.nav-list {
  display: flex;
  gap: 24px;
  list-style: none;
  margin: 0;
  padding: 0;
  align-items: center;
}
.nav-list a {
  color: var(--c-ink);
  font-weight: 500;
  font-size: 0.96rem;
  position: relative;
  padding: 8px 0;
}
.nav-list a:hover, .nav-list a.active { color: var(--c-coral); }
.nav-list a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--c-coral);
  border-radius: 2px;
}
.nav-cta { display: flex; gap: 10px; align-items: center; }

.nav-toggle {
  display: none;
  background: transparent;
  border: none;
  padding: 8px;
  color: var(--c-navy);
}
.nav-toggle svg { width: 28px; height: 28px; }

/* Hero ---------------------------------------------------------------------- */
.hero {
  position: relative;
  background: linear-gradient(135deg, #f7f9fc 0%, #eef3f9 100%);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: -200px; right: -180px;
  width: 540px; height: 540px;
  background: radial-gradient(circle at 40% 40%, rgba(255, 107, 71, 0.18), transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 64px;
  align-items: center;
  padding: 80px 0 96px;
  position: relative;
  z-index: 1;
}
.hero-copy h1 { margin-bottom: 20px; }
.hero-copy h1 em { font-style: normal; color: var(--c-coral); }
.hero-copy .lead { font-size: 1.18rem; margin-bottom: 28px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 32px; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  border-top: 1px solid var(--c-border);
  padding-top: 24px;
  max-width: 480px;
}
.hero-stat strong {
  display: block;
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--c-navy-deep);
  letter-spacing: -0.02em;
}
.hero-stat span { font-size: 0.85rem; color: var(--c-ink-muted); }

.hero-visual {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  background: #d8e2ee;
}
.hero-visual img { width: 100%; height: 100%; object-fit: cover; }
.hero-img-mobile { display: none; object-position: center top; }
.hero-card {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  background: rgba(255, 255, 255, 0.96);
  border-radius: var(--r-lg);
  padding: 18px 20px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 14px;
}
.hero-card-icon {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(47, 158, 111, 0.14);
  display: flex; align-items: center; justify-content: center;
  flex: 0 0 44px;
}
.hero-card strong { display: block; color: var(--c-navy-deep); font-size: 0.95rem; }
.hero-card span { font-size: 0.85rem; color: var(--c-ink-muted); }

/* Trust strip --------------------------------------------------------------- */
.trust-strip {
  border-top: 1px solid var(--c-border-soft);
  border-bottom: 1px solid var(--c-border-soft);
  background: #fff;
  padding: 22px 0;
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.trust-label { font-size: 0.82rem; font-weight: 600; color: var(--c-ink-muted); letter-spacing: 0.06em; text-transform: uppercase; }
.trust-logos { display: flex; gap: 36px; align-items: center; flex-wrap: wrap; opacity: 0.7; }
.trust-logos span {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--c-ink-muted);
  letter-spacing: 0.04em;
}

/* Coverage cards ------------------------------------------------------------ */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.coverage-card {
  background: var(--c-surface);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  display: flex;
  flex-direction: column;
}
.coverage-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--c-coral);
}
.coverage-card .icon-circle {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(255, 107, 71, 0.14), rgba(248, 185, 74, 0.14));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  color: var(--c-coral);
}
.coverage-card h3 { margin-bottom: 10px; }
.coverage-card p { margin-bottom: 18px; }
.coverage-card .card-link {
  margin-top: auto;
  font-weight: 600;
  color: var(--c-navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.coverage-card .card-link::after { content: "→"; transition: transform 0.15s ease; }
.coverage-card:hover .card-link { color: var(--c-coral); }
.coverage-card:hover .card-link::after { transform: translateX(3px); }

/* Why cards (icon + text rows) --------------------------------------------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 30px;
}
.why-item .icon-square {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: rgba(15, 59, 92, 0.08);
  color: var(--c-navy);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.why-item h3 { font-size: 1.1rem; margin-bottom: 8px; }

/* Steps ---------------------------------------------------------------------*/
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  counter-reset: step;
}
.step {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: 28px 24px;
  position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  font-weight: 700;
  color: var(--c-coral);
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  display: block;
  margin-bottom: 8px;
}
.step h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step p { margin-bottom: 0; font-size: 0.95rem; }

/* Split section (image + text) --------------------------------------------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split-reverse .split-img { order: 2; }
.split-img {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  aspect-ratio: 5/4;
  background: #d8e2ee;
}
.split-img img { width: 100%; height: 100%; object-fit: cover; }
.split-list { list-style: none; padding: 0; margin: 24px 0 0; }
.split-list li {
  position: relative;
  padding: 10px 0 10px 32px;
  border-bottom: 1px solid var(--c-border-soft);
  font-weight: 500;
  color: var(--c-ink);
}
.split-list li:last-child { border-bottom: none; }
.split-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 50%;
  transform: translateY(-50%);
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(47, 158, 111, 0.16);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%232f9e6f' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-repeat: no-repeat;
  background-position: center;
}

/* Testimonials -------------------------------------------------------------- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.testimonial {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 30px;
  border: 1px solid var(--c-border);
  position: relative;
}
.testimonial::before {
  content: "\201C";
  position: absolute;
  top: 8px; right: 22px;
  font-size: 4.6rem;
  color: rgba(15, 59, 92, 0.08);
  font-family: var(--t-serif);
  line-height: 1;
  font-weight: 700;
}
.testimonial-stars {
  color: var(--c-amber);
  margin-bottom: 12px;
  letter-spacing: 1px;
}
.testimonial blockquote {
  margin: 0 0 18px;
  font-size: 1.02rem;
  color: var(--c-ink);
  line-height: 1.6;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--c-border-soft);
  padding-top: 16px;
}
.testimonial-author .avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--c-navy), var(--c-coral));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 0.95rem;
}
.testimonial-author strong { display: block; color: var(--c-navy-deep); font-size: 0.95rem; }
.testimonial-author span { color: var(--c-ink-muted); font-size: 0.85rem; }

/* FAQ ----------------------------------------------------------------------- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--c-border);
}
.faq-item summary {
  padding: 22px 0;
  font-weight: 600;
  color: var(--c-navy-deep);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-size: 1.02rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.6rem;
  font-weight: 300;
  color: var(--c-coral);
  transition: transform 0.2s ease;
  flex-shrink: 0;
  line-height: 1;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { padding: 0 0 22px; margin: 0; }

/* CTA banner --------------------------------------------------------------- */
.cta-banner {
  background: linear-gradient(135deg, var(--c-navy-deep) 0%, var(--c-navy) 60%, var(--c-navy-soft) 100%);
  color: #fff;
  border-radius: var(--r-xl);
  padding: 56px 48px;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  top: -100px; right: -80px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 107, 71, 0.34), transparent 65%);
}
.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p { color: rgba(255, 255, 255, 0.78); margin-bottom: 0; max-width: 50ch; }
.cta-banner-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: flex-end; position: relative; z-index: 1; }

/* Page hero (smaller hero for inner pages) --------------------------------- */
.page-hero {
  background: linear-gradient(135deg, var(--c-navy-deep) 0%, var(--c-navy) 100%);
  color: #fff;
  padding: 72px 0 96px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  top: -120px; right: -100px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 107, 71, 0.28), transparent 65%);
}
.page-hero-inner { position: relative; z-index: 1; max-width: 720px; }
.page-hero h1 { color: #fff; margin-bottom: 16px; }
.page-hero p { color: rgba(255, 255, 255, 0.82); font-size: 1.15rem; margin-bottom: 0; max-width: 60ch; }
.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.68);
  margin-bottom: 18px;
  letter-spacing: 0.04em;
}
.breadcrumb a { color: rgba(255, 255, 255, 0.68); }
.breadcrumb a:hover { color: #fff; }

/* Forms --------------------------------------------------------------------- */
.form-card {
  background: #fff;
  border-radius: var(--r-lg);
  border: 1px solid var(--c-border);
  padding: 36px;
  box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-row.single { grid-template-columns: 1fr; }
.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--c-navy-deep);
  margin-bottom: 6px;
}
.form-group label .req { color: var(--c-coral); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--c-border);
  border-radius: var(--r-sm);
  font-family: inherit;
  font-size: 0.97rem;
  color: var(--c-ink);
  background: #fff;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--c-navy);
  box-shadow: 0 0 0 3px rgba(15, 59, 92, 0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-help { font-size: 0.82rem; color: var(--c-ink-muted); margin-top: 18px; }
.form-error { color: var(--c-coral-dark); font-size: 0.85rem; margin-top: 4px; display: none; }
.form-group.has-error input, .form-group.has-error select { border-color: var(--c-coral-dark); }
.form-group.has-error .form-error { display: block; }

.form-success {
  display: none;
  background: rgba(47, 158, 111, 0.1);
  border: 1px solid rgba(47, 158, 111, 0.3);
  border-radius: var(--r-md);
  padding: 24px;
  text-align: center;
  color: #1d6e4e;
}
.form-success.visible { display: block; }
.form-success strong { color: var(--c-navy-deep); display: block; font-size: 1.1rem; margin-bottom: 6px; }

/* Choice tiles (for product selection in form) ----------------------------- */
.choice-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.choice-tile {
  border: 1.5px solid var(--c-border);
  border-radius: var(--r-md);
  padding: 16px 12px;
  text-align: center;
  cursor: pointer;
  transition: all 0.15s ease;
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--c-ink);
  background: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.choice-tile input { position: absolute; opacity: 0; pointer-events: none; }
.choice-tile:hover { border-color: var(--c-navy); }
.choice-tile.selected { border-color: var(--c-coral); background: rgba(255, 107, 71, 0.06); color: var(--c-navy-deep); }
.choice-tile svg { color: var(--c-navy); }
.choice-tile.selected svg { color: var(--c-coral); }

/* Footer -------------------------------------------------------------------- */
.site-footer {
  background: var(--c-navy-deep);
  color: rgba(255, 255, 255, 0.72);
  padding: 64px 0 24px;
  font-size: 0.93rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 40px;
  margin-bottom: 48px;
}
.site-footer h4 { color: #fff; font-size: 0.92rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 18px; }
.site-footer a { color: rgba(255, 255, 255, 0.72); }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 10px; }
.footer-brand .brand { color: #fff; margin-bottom: 16px; }
.footer-brand .brand-name strong { color: #fff; }
.footer-brand .brand-name span { color: rgba(255, 255, 255, 0.6); }
.footer-brand p { color: rgba(255, 255, 255, 0.64); max-width: 36ch; }
.social-links { display: flex; gap: 10px; margin-top: 18px; }
.social-links a {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex; align-items: center; justify-content: center;
  transition: background 0.15s ease;
}
.social-links a:hover { background: var(--c-coral); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
}
.footer-bottom a { color: rgba(255, 255, 255, 0.65); }
.footer-disclaimer { max-width: 60ch; }

/* Responsive ---------------------------------------------------------------- */
@media (max-width: 960px) {
  .section { padding: 64px 0; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; padding: 56px 0 72px; }
  .hero-visual { aspect-ratio: 16/11; max-width: 540px; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .split-reverse .split-img { order: 0; }
  .cta-banner { grid-template-columns: 1fr; padding: 40px 28px; text-align: center; }
  .cta-banner-actions { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 720px) {
  /* Header — collapse all nav contents into the drawer */
  body { overflow-x: hidden; }
  .header-inner { padding: 12px 0; gap: 12px; }
  .nav-list, .nav-cta { display: none; }
  .nav-toggle { display: inline-flex; }

  .nav.open {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--c-border);
    box-shadow: var(--shadow-md);
    padding: 12px 20px 18px;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }
  .nav.open .nav-list {
    display: flex;
    flex-direction: column;
    gap: 0;
    margin: 0 0 14px;
    padding: 0;
    list-style: none;
  }
  .nav.open .nav-list a { padding: 14px 0; border-bottom: 1px solid var(--c-border-soft); width: 100%; }
  .nav.open .nav-list li:last-child a { border-bottom: none; }
  .nav.open .nav-cta {
    display: flex;
    flex-direction: column;
    gap: 10px;
    padding-top: 14px;
    border-top: 1px solid var(--c-border-soft);
  }
  .nav.open .nav-cta .btn { width: 100%; display: inline-flex; }

  /* Topbar — keep phone, drop the long email */
  .topbar-inner { justify-content: center; font-size: 0.78rem; gap: 12px; }
  .topbar-links { display: none; }
  .topbar-contact { gap: 12px; }
  .topbar-contact span:nth-child(2) { display: none; }

  /* Brand — slightly smaller mark, hide subtitle on tight widths */
  .brand-mark { width: 36px; height: 36px; flex-basis: 36px; }
  .brand-name strong { font-size: 0.98rem; }
  .brand-name span { font-size: 0.7rem; }

  /* Layout / spacing */
  .container { padding: 0 18px; }
  .section { padding: 56px 0; }
  .section-tight { padding: 44px 0; }
  .section-header { margin-bottom: 36px; }

  /* Hero & page hero */
  .hero-grid { padding: 40px 0 56px; gap: 32px; }
  .hero-copy h1 { font-size: clamp(1.85rem, 7vw, 2.6rem); }
  .hero-copy .lead { font-size: 1.05rem; }
  .hero-actions { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-actions .btn { width: 100%; }
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 18px; padding-top: 20px; }
  .hero-stat strong { font-size: 1.5rem; }
  .hero-card { left: 14px; right: 14px; bottom: 14px; padding: 14px 16px; }
  .hero-card strong { font-size: 0.9rem; }
  .hero-card span { font-size: 0.8rem; }

  /* Mobile: swap hero image to broker portrait, hide duplicate in broker section */
  .hero-img-default { display: none; }
  .hero-img-mobile { display: block; }
  .hero-visual { aspect-ratio: 4/5; max-width: 360px; margin: 0 auto; }
  .meet-broker .meet-broker-img { display: none; }

  .page-hero { padding: 48px 0 64px; }
  .page-hero h1 { font-size: clamp(1.75rem, 6.5vw, 2.4rem); }
  .page-hero p { font-size: 1rem; }
  .page-hero .btn { width: 100%; justify-content: center; }
  .page-hero div[style*="margin-top:28px"] { flex-direction: column; align-items: stretch; gap: 10px !important; }

  /* Trust strip */
  .trust-strip { padding: 16px 0; }
  .trust-strip-inner { gap: 14px; flex-direction: column; text-align: center; }
  .trust-logos { gap: 18px 22px; justify-content: center; }
  .trust-logos span { font-size: 0.82rem; }

  /* Cards */
  .coverage-grid { gap: 16px; }
  .coverage-card { padding: 26px 22px; }
  .why-grid { gap: 24px; }
  .testimonial-grid { gap: 16px; }
  .testimonial { padding: 26px 22px; }

  /* CTA banner — stack and stretch */
  .cta-banner { padding: 30px 22px; gap: 22px; }
  .cta-banner h2 { font-size: 1.5rem; }
  .cta-banner-actions { flex-direction: column; align-items: stretch; width: 100%; }
  .cta-banner-actions .btn { width: 100%; justify-content: center; }

  /* Forms */
  .form-row { grid-template-columns: 1fr; }
  .form-card { padding: 22px 18px; }
  h2 { font-size: 1.55rem; }
  .choice-grid { grid-template-columns: 1fr 1fr; gap: 10px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 28px; margin-bottom: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 10px; }
  .site-footer { padding: 48px 0 24px; }
}

@media (max-width: 420px) {
  .container { padding: 0 16px; }
  .topbar-inner { font-size: 0.74rem; }
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 14px; }
  .hero-stat strong { font-size: 1.35rem; }
  .hero-stat span { font-size: 0.78rem; }
  .cta-banner { padding: 26px 18px; border-radius: var(--r-lg); }
  .faq-item summary { font-size: 0.96rem; padding: 18px 0; }
  .section { padding: 48px 0; }
  .section-tight { padding: 36px 0; }
}

/* Accessibility ------------------------------------------------------------- */
:focus-visible { outline: 2px solid var(--c-coral); outline-offset: 2px; border-radius: 4px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); border: 0; }

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