/* ==========================================================================
   Cali Landlord Insurance — styles.css
   Complete design system rebuild — August 2026
   ========================================================================== */

/* 1. Google Fonts
   ========================================================================== */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700&family=Inter:wght@400;500;600;700&display=swap');


/* 2. Design Tokens
   ========================================================================== */
:root {
  --navy:        #1C3A5E;
  --navy-dark:   #142B47;
  --gold:        #C8873A;
  --gold-dark:   #A86E28;
  --gold-light:  #FBF3E8;
  --white:       #FFFFFF;
  --gray-50:     #F8F9FB;
  --gray-100:    #F1F3F6;
  --gray-200:    #E5E9EF;
  --gray-500:    #6B7280;
  --gray-700:    #374151;
  --gray-900:    #111827;
  --rust:        #B84C2E;
  --rust-light:  #FEF2EE;
  --green:       #059669;
  --border:      #E5E9EF;

  --shadow-sm:   0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:   0 4px 12px rgba(0,0,0,0.08);
  --shadow-lg:   0 12px 32px rgba(0,0,0,0.10);
}


/* 3. Reset
   ========================================================================== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

ul, ol {
  list-style: none;
}

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


/* 4. Base
   ========================================================================== */
html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 400;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}


/* 5. Typography
   ========================================================================== */
h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 3rem;
  line-height: 1.15;
}

h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2rem;
  line-height: 1.2;
}

h3, h4 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
}

p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  line-height: 1.7;
}

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

.eyebrow-gold {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

.section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--navy);
  line-height: 1.2;
}

.section-subtitle {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1.05rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-top: 0.75rem;
}

.sep {
  display: none;
}

.lead {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.8;
  margin-bottom: 2rem;
  max-width: 680px;
}


/* 6. Utility Bar
   ========================================================================== */
.utility-bar {
  background-color: var(--rust);
  color: var(--white);
  text-align: center;
  padding: 0.6rem 1rem;
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 0.8rem;
}

.utility-bar a {
  color: var(--white);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}

.utility-bar a:hover {
  opacity: 0.85;
}


/* 7. Site Header
   ========================================================================== */
.site-header {
  background-color: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid var(--border);
  box-shadow: none;
  transition: box-shadow 0.3s ease;
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding: 1rem 0;
}

.site-logo {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--navy);
  text-decoration: none;
  flex-shrink: 0;
  white-space: nowrap;
}

.site-logo:hover {
  color: var(--navy-dark);
}

.main-nav {
  display: flex;
  margin: 0 auto;
}

.nav-list {
  display: flex;
  list-style: none;
  gap: 0.25rem;
  align-items: center;
}

.nav-item {
  position: relative;
}

.nav-link {
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 0.875rem;
  color: #4B5563;
  padding: 0.5rem 0.875rem;
  text-decoration: none;
  display: block;
  border-radius: 6px;
  white-space: nowrap;
  transition: color 0.2s, background 0.2s;
}

.nav-link:hover {
  color: var(--navy);
  background: var(--gray-50);
}

.nav-arrow {
  font-size: 0.6rem;
  margin-left: 0.2rem;
  opacity: 0.6;
  display: inline-block;
}

.has-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  box-shadow: var(--shadow-lg);
  min-width: 230px;
  padding: 0.5rem;
  display: none;
  z-index: 200;
}

.has-dropdown:hover .dropdown-menu {
  display: block;
}

.dropdown-menu li {
  list-style: none;
}

.dropdown-menu a {
  display: block;
  padding: 0.6rem 0.875rem;
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: #4B5563;
  text-decoration: none;
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
}

.dropdown-menu a:hover {
  background: var(--gray-50);
  color: var(--navy);
}

.header-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 0.6rem 1.25rem;
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.875rem;
  text-decoration: none;
  flex-shrink: 0;
  white-space: nowrap;
  transition: background 0.2s;
}

.header-cta:hover {
  background: var(--navy-dark);
}

.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  flex-direction: column;
  gap: 5px;
  align-items: center;
  justify-content: center;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  transition: all 0.3s ease;
  transform-origin: center;
}

.hamburger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger.open span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.hamburger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}


/* 8. Buttons
   ========================================================================== */
.btn {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  padding: 0.75rem 1.5rem;
  border-radius: 7px;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s;
  letter-spacing: 0.01em;
  text-align: center;
  line-height: 1.4;
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}

.btn-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(200,135,58,0.4);
  color: var(--white);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}

.btn-outline:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.1);
  transform: translateY(-1px);
  color: var(--white);
}

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

.btn-navy:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  transform: translateY(-1px);
  color: var(--white);
}


/* 9. Hero Section
   ========================================================================== */
.hero-section {
  background: linear-gradient(135deg, #1C3A5E 0%, #142B47 100%);
  padding: 5.5rem 0 4.5rem;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 4rem;
  align-items: center;
}

.hero-content {
  /* left column */
}

.hero-content .eyebrow {
  color: var(--gold);
}

.hero-content h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 3rem;
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 1.25rem;
}

.hero-lead {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1.05rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.8;
  margin-bottom: 2rem;
}

.hero-ctas {
  display: flex;
  gap: 0.875rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}

.hero-trust {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.9);
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 0.78rem;
  padding: 0.35rem 0.75rem;
  border-radius: 20px;
  border: 1px solid rgba(255,255,255,0.2);
}

.trust-badge .check {
  color: #4ADE80;
  font-size: 0.9rem;
}

.hero-card-col {
  /* right column */
}


/* 10. Crisis Card
   ========================================================================== */
.crisis-card {
  background: var(--white);
  border-radius: 12px;
  padding: 1.75rem;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.crisis-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.25rem;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.crisis-card-title {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  margin: 0;
  line-height: 1.35;
}

.crisis-badge {
  background: var(--rust);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
  flex-shrink: 0;
}

.crisis-list {
  list-style: none;
  display: flex;
  flex-direction: column;
}

.crisis-item {
  display: flex;
  gap: 0.75rem;
  padding: 0.875rem 0;
  border-bottom: 1px solid var(--border);
  align-items: flex-start;
}

.crisis-item:last-child {
  border-bottom: none;
}

.crisis-bullet {
  color: var(--rust);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 0.15rem;
  font-weight: 700;
  line-height: 1.4;
}

.crisis-item p,
.crisis-item span:last-child {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: var(--gray-700);
  line-height: 1.55;
  margin: 0;
}


/* 11. Stat Strip
   ========================================================================== */
.stat-strip {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 2.5rem 0;
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.stat-block {
  text-align: center;
  padding: 1.25rem 1.5rem;
  border-right: 1px solid var(--border);
}

.stat-block:last-child {
  border-right: none;
}

.stat-number {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2.75rem;
  color: var(--navy);
  line-height: 1;
  display: block;
}

.stat-label {
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 0.8rem;
  color: var(--gray-500);
  margin-top: 0.4rem;
  line-height: 1.4;
  display: block;
}


/* 12. Property Type Section
   ========================================================================== */
.property-section {
  background: var(--gray-50);
  padding: 5rem 0;
}

.property-section .section-title {
  text-align: center;
}

.property-section .section-subtitle {
  text-align: center;
  max-width: 600px;
  margin: 0.75rem auto 3rem;
}

.property-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.property-card {
  background: var(--white);
  border-radius: 10px;
  border: 1px solid var(--border);
  padding: 2rem;
  cursor: pointer;
  transition: all 0.2s;
  position: relative;
  overflow: hidden;
}

.property-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
}

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

.property-card-icon {
  font-size: 2rem;
  line-height: 1;
  margin-bottom: 0.875rem;
  display: block;
}

.property-card-title {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.property-card p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 0;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--gold);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
  text-decoration: none;
  margin-top: 1.25rem;
  transition: all 0.2s;
}

.card-link:hover {
  gap: 0.7rem;
  color: var(--gold-dark);
}


/* 13. About / Why Broker Section
   ========================================================================== */
.about-section {
  background: var(--white);
  padding: 5.5rem 0;
}

.about-section h2,
.about-section .section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  max-width: 680px;
  line-height: 1.2;
}

.about-section .section-subtitle {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 3rem;
  max-width: 680px;
}

.about-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.about-item {
  background: var(--gray-50);
  border-radius: 10px;
  padding: 1.5rem;
  border: 1px solid var(--border);
  transition: all 0.2s;
}

.about-item:hover {
  background: var(--white);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.about-item-icon {
  font-size: 1.5rem;
  line-height: 1;
  margin-bottom: 0.5rem;
  display: block;
}

.about-number {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.6rem;
}

.about-item h3 {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  line-height: 1.35;
}

.about-body,
.about-item p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.85rem;
  color: var(--gray-500);
  line-height: 1.65;
  margin: 0;
}


/* 14. Carrier Strip
   ========================================================================== */
.carrier-strip {
  background: var(--navy);
  padding: 3.5rem 0;
  text-align: center;
}

.carrier-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 1.75rem;
  color: var(--white);
  margin-bottom: 1.75rem;
  line-height: 1.2;
}

.carrier-list {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  list-style: none;
  gap: 0;
  margin-bottom: 1.5rem;
}

.carrier-list li {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.78);
  padding: 0.3rem 1.1rem;
  border-right: 1px solid rgba(255,255,255,0.18);
  line-height: 1.8;
}

.carrier-list li:last-child {
  border-right: none;
}

.carrier-note {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.42);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.65;
}


/* 15. How It Works
   ========================================================================== */
.how-section {
  background: var(--gray-50);
  padding: 5rem 0;
}

.how-section h2,
.how-section .section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.how-section .section-subtitle {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  color: var(--gray-500);
  margin-bottom: 3rem;
  line-height: 1.7;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.step-item {
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--border);
  padding: 2.25rem 2rem;
  position: relative;
  transition: all 0.2s;
}

.step-item:hover {
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.step-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.step-number {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2.5rem;
  color: var(--gold);
  opacity: 0.9;
  line-height: 1;
  flex-shrink: 0;
}

.step-title {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  margin: 0;
  line-height: 1.3;
}

.step-item p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.step-badge {
  display: inline-flex;
  align-items: center;
  background: var(--gold-light);
  color: var(--gold-dark);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.75rem;
  padding: 0.3rem 0.85rem;
  border-radius: 20px;
  border: 1px solid rgba(200,135,58,0.2);
}


/* 16. FAQ Section
   ========================================================================== */
.faq-section {
  background: var(--white);
  padding: 5rem 0;
}

.faq-section h2,
.faq-section .section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 3rem;
  line-height: 1.2;
}

.faq-list {
  list-style: none;
  max-width: 820px;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:first-child {
  border-top: 1px solid var(--border);
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 0;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  gap: 1rem;
  user-select: none;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-question::marker {
  display: none;
}

details[open] .faq-question {
  color: var(--gold-dark);
}

.faq-icon {
  flex-shrink: 0;
  width: 1.5rem;
  height: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-light);
  color: var(--gold-dark);
  border-radius: 50%;
  font-size: 1rem;
  font-weight: 300;
  line-height: 1;
  transition: transform 0.25s;
}

details[open] .faq-icon {
  transform: rotate(45deg);
  background: var(--gold);
  color: var(--white);
}

.faq-answer {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.925rem;
  color: var(--gray-500);
  line-height: 1.8;
  padding-bottom: 1.5rem;
  max-width: 720px;
}

.faq-answer p {
  margin-bottom: 0.75rem;
}

.faq-answer p:last-child {
  margin-bottom: 0;
}


/* 17. CTA Section
   ========================================================================== */
.cta-section {
  background: linear-gradient(135deg, #1C3A5E 0%, #142B47 100%);
  padding: 5rem 0;
}

.cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}

.cta-card {
  background: var(--white);
  border-radius: 12px;
  padding: 2.5rem;
  text-align: center;
  box-shadow: var(--shadow-lg);
}

.cta-card-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.cta-card p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.65;
  margin-bottom: 1.5rem;
}

.cta-card .btn {
  display: inline-block;
}


/* 18. Dual CTA (subpages)
   ========================================================================== */
.dual-cta {
  background: linear-gradient(135deg, #1C3A5E 0%, #142B47 100%);
  padding: 5rem 0;
}

.dual-cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}


/* 19. Page Hero (Subpages)
   ========================================================================== */
.page-hero {
  background: linear-gradient(135deg, #1C3A5E 0%, #142B47 100%);
  padding: 4rem 0 3.5rem;
}

.page-hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2.25rem;
  color: var(--white);
  margin-bottom: 1rem;
  line-height: 1.15;
}

.page-hero .eyebrow {
  color: var(--gold);
}

.page-hero .hero-ctas {
  display: flex;
  gap: 0.875rem;
  flex-wrap: wrap;
}


/* 20. Content Sections (subpages)
   ========================================================================== */
.content-section {
  padding: 4.5rem 0;
}

.bg-white {
  background: var(--white);
}

.bg-paper {
  background: var(--gray-50);
}

.content-body {
  max-width: 760px;
}

.content-body h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 1.75rem;
  color: var(--navy);
  margin-bottom: 1rem;
  margin-top: 2.5rem;
  line-height: 1.2;
}

.content-body h2:first-child {
  margin-top: 0;
}

.content-body h3 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  margin-top: 2rem;
  line-height: 1.35;
}

.content-body p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1rem;
  color: var(--gray-700);
  line-height: 1.8;
  margin-bottom: 1.25rem;
}

.content-body ul,
.content-body ol {
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
  list-style: revert;
}

.content-body li {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 1rem;
  color: var(--gray-700);
  line-height: 1.8;
  margin-bottom: 0.4rem;
}

.inline-cta {
  font-style: italic;
  color: var(--gold-dark);
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 0.9rem;
  display: block;
  margin-top: 1rem;
  padding: 0.75rem 1rem;
  background: var(--gold-light);
  border-left: 3px solid var(--gold);
  border-radius: 0 6px 6px 0;
}


/* 21. Reasons Grid
   ========================================================================== */
.reasons-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-top: 2rem;
}

.reason-item {
  background: var(--white);
  border-radius: 10px;
  padding: 1.5rem;
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
}

.reason-item h4 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  line-height: 1.35;
}

.reason-item p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: var(--gray-500);
  line-height: 1.65;
  margin: 0;
}


/* 22. Footer
   ========================================================================== */
.site-footer {
  background: #0F2340;
  padding: 4rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  padding-bottom: 3rem;
}

.footer-logo {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--white);
  display: block;
  margin-bottom: 1rem;
  text-decoration: none;
}

.footer-desc {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 0.75rem;
}

.footer-address,
.footer-contact {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
}

.footer-contact a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-contact a:hover {
  color: var(--white);
}

.footer-heading {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  display: block;
}

.footer-heading-secondary {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-top: 1.75rem;
  margin-bottom: 1rem;
  display: block;
}

.footer-links,
.footer-nav {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  padding: 0;
}

.footer-links a,
.footer-nav a {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-links a:hover,
.footer-nav a:hover {
  color: var(--white);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
}

.footer-bottom p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.65;
}


/* 23. Contact Page
   ========================================================================== */
.contact-page-hero {
  background: linear-gradient(135deg, #1C3A5E 0%, #142B47 100%);
  padding: 4rem 0 3.5rem;
}

.contact-page-hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  font-size: 2.25rem;
  color: var(--white);
  margin-bottom: 1rem;
  line-height: 1.15;
}

.contact-page-hero .lead {
  color: rgba(255,255,255,0.78);
  max-width: 620px;
}

.contact-section {
  padding: 4.5rem 0;
  background: var(--gray-50);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 3rem;
  align-items: start;
}

.form-card {
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--border);
  padding: 2.5rem;
  box-shadow: var(--shadow-sm);
}

.form-card h2 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  line-height: 1.25;
}

.form-intro {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.65;
  margin-bottom: 2rem;
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-group label {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.72rem;
  color: var(--gray-700);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.4rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--gray-900);
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 7px;
  padding: 0.7rem 0.9rem;
  transition: all 0.2s;
  appearance: none;
  -webkit-appearance: none;
  box-sizing: border-box;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(28,58,94,0.1);
  outline: none;
  background: var(--white);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.9rem center;
  padding-right: 2.5rem;
}

.form-group textarea {
  resize: vertical;
  min-height: 110px;
  line-height: 1.65;
}

.btn-submit {
  width: 100%;
  padding: 0.9rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  margin-top: 0.5rem;
  border-radius: 7px;
}

.req {
  color: var(--rust);
  margin-left: 1px;
}

.form-disclaimer {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.78rem;
  color: #9CA3AF;
  text-align: center;
  margin-top: 1rem;
  line-height: 1.5;
}

.form-success {
  display: none;
  text-align: center;
  padding: 2.5rem 1rem;
}

.form-success .success-icon {
  font-size: 3rem;
  margin-bottom: 1rem;
}

.form-success h3 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--green);
  margin-bottom: 0.75rem;
}

.form-success p {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--gray-500);
  line-height: 1.65;
}

.trust-sidebar .trust-card {
  background: var(--white);
  border-radius: 10px;
  border: 1px solid var(--border);
  padding: 1.5rem;
  margin-bottom: 1.25rem;
}

.trust-card h3 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 1rem;
}

.trust-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding: 0;
}

.trust-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.875rem;
  color: var(--gray-500);
  line-height: 1.5;
}

.trust-list .check {
  color: var(--green);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 0.05rem;
}

.crisis-sidebar-card {
  background: var(--rust-light);
  border-left: 4px solid var(--rust);
  border-radius: 4px;
  padding: 1.5rem;
}

.crisis-sidebar-card h4 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  color: var(--rust);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

.crisis-sidebar-card ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  padding: 0;
}

.crisis-sidebar-card li {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 0.85rem;
  color: var(--gray-700);
  line-height: 1.5;
  padding-left: 1rem;
  position: relative;
}

.crisis-sidebar-card li::before {
  content: "•";
  color: var(--rust);
  position: absolute;
  left: 0;
}


/* 24. Responsive — 900px
   ========================================================================== */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

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

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

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

  .cta-grid,
  .dual-cta-grid {
    grid-template-columns: 1fr;
  }

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

  .trust-sidebar {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
  }

  .stat-block:nth-child(2) {
    border-right: none;
  }

  .stat-block:nth-child(3) {
    border-top: 1px solid var(--border);
  }

  .stat-block:nth-child(4) {
    border-top: 1px solid var(--border);
    border-right: none;
  }

  .header-cta {
    display: none;
  }
}


/* 25. Responsive — 600px
   ========================================================================== */
@media (max-width: 600px) {
  h1 {
    font-size: 2.1rem;
  }

  h2 {
    font-size: 1.65rem;
  }

  .hero-section {
    padding: 3.5rem 0 3rem;
  }

  .hero-content h1 {
    font-size: 2.1rem;
  }

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

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

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

  .stat-block {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }

  .stat-block:nth-child(odd) {
    border-right: 1px solid var(--border);
  }

  .stat-block:nth-child(3),
  .stat-block:nth-child(4) {
    border-top: none;
  }

  .stat-block:last-child {
    border-bottom: none;
    border-right: none;
  }

  .hero-ctas {
    flex-direction: column;
  }

  .hero-ctas .btn {
    text-align: center;
    width: 100%;
  }

  .hero-trust {
    flex-direction: column;
    gap: 0.5rem;
  }

  .carrier-list {
    flex-direction: column;
    align-items: center;
  }

  .carrier-list li {
    font-size: 0.8rem;
    padding: 0.25rem 0.6rem;
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.15);
    width: 100%;
    text-align: center;
  }

  .carrier-list li:last-child {
    border-bottom: none;
  }

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

  .form-row {
    grid-template-columns: 1fr;
  }

  .trust-sidebar {
    grid-template-columns: 1fr;
  }

  /* Mobile Nav */
  .hamburger {
    display: flex;
  }

  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    z-index: 999;
    padding: 1rem;
  }

  .main-nav.open {
    display: block;
  }

  .nav-list {
    flex-direction: column;
    gap: 0;
  }

  .nav-link {
    padding: 0.75rem 0.5rem;
    font-size: 1rem;
    border-radius: 0;
  }

  .dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    border-radius: 0;
    display: block;
    background: transparent;
    padding: 0 0 0.5rem 1rem;
    min-width: unset;
  }

  .dropdown-menu a {
    padding: 0.5rem 0.5rem;
    font-size: 0.9rem;
  }

  .header-inner {
    position: relative;
  }

  .header-cta {
    display: none;
  }

  .contact-page-hero h1 {
    font-size: 1.75rem;
  }

  .page-hero h1 {
    font-size: 1.75rem;
  }
}


/* 26. Print Styles
   ========================================================================== */
@media print {
  .utility-bar,
  .site-header,
  .dual-cta,
  .cta-section,
  nav {
    display: none;
  }

  body {
    color: black;
    background: white;
  }

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