/* Hintsure — main stylesheet. Colour and font values come from CSS custom
   properties injected inline by functions.php (hintsure_dynamic_css), so
   they stay in sync with the Customizer. Do not hardcode brand colours below
   this point — use the var(--...) tokens so admin changes take effect. */

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--paper-warm);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
h1,h2,h3{font-family:var(--serif);font-weight:500;margin:0;letter-spacing:-0.01em;}
p{margin:0;}
button{font-family:inherit;cursor:pointer;}

.wrap{max-width:1180px;width:100%;margin:0 auto;padding:0 32px;}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important;}
}

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

/* ---------- Logo ---------- */
.logo{display:flex; align-items:center;}
.logo svg, .logo img{height:30px; width:auto;}
.custom-logo-link img{height:30px; width:auto;}
header .logo svg, header .logo img, header .custom-logo-link img{height:60px; width:auto;}

/* ---------- Header ---------- */
header{
  position:sticky; top:0; z-index:100;
  background:rgba(248,250,253,0.88);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav-row{display:flex; align-items:center; justify-content:space-between; height:92px;}
nav.primary{display:flex; align-items:center; gap:36px;}
nav.primary a{
  font-size:15px; font-weight:500; color:var(--navy);
  position:relative; padding:6px 0;
}
nav.primary a::after{
  content:""; position:absolute; left:0; bottom:0; height:2px; width:0;
  background:var(--sky); transition:width .25s ease;
}
nav.primary a:hover::after, nav.primary a:focus-visible::after{width:100%;}
.header-actions{display:flex; align-items:center; gap:22px;}
.phone-link{font-size:14px; font-weight:600; color:var(--navy); display:flex; align-items:center; gap:8px; position:relative;}
.phone-dot{width:7px;height:7px;border-radius:50%; flex:none;}
.phone-dot--open{background:var(--sky); box-shadow:0 0 0 4px rgba(29,134,189,0.18);}
.phone-dot--closed{background:var(--coral); box-shadow:0 0 0 4px rgba(228,40,46,0.18);}
.phone-tooltip{
  position:absolute; top:calc(100% + 12px); left:50%; transform:translateX(-50%) translateY(4px);
  display:flex; align-items:center; gap:6px; white-space:nowrap;
  background:var(--navy); color:#fff; font-size:12.5px; font-weight:400; line-height:1;
  padding:9px 14px; border-radius:7px; box-shadow:0 16px 32px -12px rgba(16,27,45,0.35);
  opacity:0; visibility:hidden; pointer-events:none; transition:opacity .15s ease, transform .15s ease;
  z-index:80; text-align:left;
}
.phone-tooltip strong{font-size:12.5px; font-weight:700; color:#fff;}
.phone-tooltip-sep{color:rgba(238,242,248,0.45);}
.phone-tooltip::before{
  content:""; position:absolute; bottom:100%; left:50%; transform:translateX(-50%);
  border:6px solid transparent; border-bottom-color:var(--navy);
}
.phone-link:hover .phone-tooltip, .phone-link:focus-within .phone-tooltip{
  opacity:1; visibility:visible; transform:translateX(-50%) translateY(0);
}
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:12px 22px; border-radius:3px; font-size:14px; font-weight:600;
  border:1px solid transparent; white-space:nowrap;
}
.btn-primary{background:var(--navy); color:#fff;}
.btn-primary:hover{background:var(--navy-deep);}
.btn-cta{background:var(--coral); color:#fff;}
.btn-cta:hover{background:var(--coral-dark);}
.btn-outline{border-color:var(--line-strong); color:var(--navy); background:transparent;}
.btn-outline:hover{border-color:var(--navy); background:rgba(28,61,116,0.04);}
.hero-outline{border-color:rgba(238,242,248,0.35) !important; color:#fff !important;}
.menu-toggle{display:none; background:none; border:none;}

/* ---------- Hero ---------- */
.hero{
  background:var(--navy-deep);
  color:var(--paper-warm);
  position:relative;
  overflow:hidden;
  min-height:600px;
  display:flex;
  align-items:center;
  padding:0;
}
.hero-grid{
  padding-top:120px; padding-bottom:100px;
  position:relative; z-index:2;
}
.hero-inner{max-width:640px;}
.hero-inner--wide{max-width:760px;}

.hero-copy-stack{position:relative;}
.hero-copy-slide{display:none;}
.hero-copy-slide.is-active{display:block;}
.hero.is-ready .hero-copy-slide.is-active{animation:heroCopyIn var(--hero-img-duration, 500ms) ease;}
@keyframes heroCopyIn{from{opacity:0; transform:translateY(10px);} to{opacity:1; transform:translateY(0);}}

.eyebrow-line{
  font-size:13px; color:var(--sky-bright); font-weight:600;
  display:flex; align-items:center; gap:10px; margin-bottom:22px;
}
.eyebrow-line span.rule{width:28px;height:1px;background:var(--sky-bright);display:inline-block;}
.hero h1{
  font-size:clamp(34px, 4vw, 52px);
  line-height:1.1;
  color:#fff;
}
.hero p.lead{
  margin-top:24px; font-size:17px; line-height:1.7; color:rgba(238,242,248,0.78);
  max-width:460px;
}
.hero-ctas{margin-top:32px; display:flex; gap:14px; flex-wrap:wrap;}

.hero-carousel-controls{display:flex; align-items:center; gap:16px; margin-top:48px;}
.carousel-arrow{
  width:38px; height:38px; border-radius:50%; border:1px solid rgba(238,242,248,0.3);
  background:transparent; display:flex; align-items:center; justify-content:center; color:#fff;
  transition:background .2s ease, border-color .2s ease; flex:none;
}
.carousel-arrow:hover{background:rgba(238,242,248,0.1); border-color:rgba(238,242,248,0.55);}
.carousel-dots{display:flex; gap:8px;}
.carousel-dot{
  width:8px; height:8px; border-radius:50%; background:rgba(238,242,248,0.3); border:none; padding:0;
  transition:background .2s ease, transform .2s ease;
}
.carousel-dot[aria-current="true"]{background:var(--sky-bright); transform:scale(1.3);}

/* ---------- Hero background image ---------- */
.hero-bg{position:absolute; inset:0; z-index:0;}
.hero-image{
  position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center center;
  display:none;
}
.hero-image.is-active{display:block;}
.hero.is-ready .hero-image.is-active{animation:heroImageIn var(--hero-img-duration, 700ms) ease;}
@keyframes heroImageIn{from{opacity:0;} to{opacity:1;}}
.hero-bg::before{
  content:""; position:absolute; inset:0; z-index:1;
  background:var(--sky); mix-blend-mode:color; opacity:0.4;
  pointer-events:none;
}
.hero-bg::after{
  content:""; position:absolute; inset:0; z-index:2;
  background:
    linear-gradient(100deg, rgba(14,29,56,0.92) 0%, rgba(14,29,56,0.7) 32%, rgba(14,29,56,0.42) 62%, rgba(14,29,56,0.3) 100%),
    linear-gradient(0deg, rgba(14,29,56,0.6) 0%, rgba(14,29,56,0.14) 25%);
  pointer-events:none;
}

/* Reused by the single-cover.php banner as well. */
.cover-banner{position:relative; overflow:hidden; min-height:420px; display:flex; align-items:center; background:var(--navy-deep); padding:0;}
.cover-banner .hero-grid{padding-top:96px; padding-bottom:96px;}
.cover-banner-mark{width:92px; height:auto; display:block; margin-bottom:22px;}

.scroll-cue{
  display:inline-flex; align-items:center; gap:8px; color:rgba(238,242,248,0.85);
  font-size:14px; font-weight:600; padding:12px 4px; border:none; background:none;
}
.scroll-cue svg{animation:scrollBounce 2s ease-in-out infinite;}
.scroll-cue:hover{color:#fff;}
@keyframes scrollBounce{0%,100%{transform:translateY(0);} 50%{transform:translateY(4px);}}

/* ---------- Cover page: what's covered ---------- */
.cover-points-layout{display:grid; grid-template-columns:0.85fr 1.15fr; gap:48px; align-items:center;}
.cover-points-image{
  height:100%; min-height:320px; border-radius:8px; background-size:cover; background-position:center;
  box-shadow:0 20px 40px -20px rgba(16,27,45,0.3);
}
.cover-points-card{background:var(--paper); border:1px solid var(--line); border-radius:8px; padding:32px;}
.cover-points-card h3{font-size:19px; color:var(--navy); margin-bottom:20px;}
.cover-points-list{list-style:none; margin:0 0 24px; padding:0; display:flex; flex-direction:column; gap:14px;}
.cover-points-list li{display:flex; align-items:flex-start; gap:10px; font-size:15px; color:rgba(16,27,45,0.78); line-height:1.55;}
.cover-points-list li svg{flex:none; margin-top:1px;}

/* ---------- Cover page: photo strip ---------- */

/* ---------- Cover page: FAQ accordion ---------- */
.faq-list{display:flex; flex-direction:column; gap:10px;}
.faq-item{
  background:#fff; border:1px solid var(--line); border-radius:6px; padding:18px 22px;
}
.faq-item summary{
  cursor:pointer; list-style:none; display:flex; align-items:center; justify-content:space-between;
  font-size:15.5px; font-weight:600; color:var(--navy);
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item .faq-chevron{transition:transform .2s ease; color:var(--sky); flex:none; margin-left:16px;}
.faq-item[open] .faq-chevron{transform:rotate(180deg);}
.faq-item p{margin-top:14px; font-size:14.5px; line-height:1.7; color:rgba(16,27,45,0.68);}

/* ---------- Section shared ---------- */
section{padding:104px 0;}

.section-head{max-width:620px; margin-bottom:56px;}
.section-tag{font-size:13px; font-weight:600; color:var(--sky); margin-bottom:14px; display:block;}
.section-head h2{font-size:clamp(28px,3vw,38px); color:var(--navy);}
.section-head p{margin-top:16px; font-size:16px; color:rgba(16,27,45,0.68); line-height:1.7;}

/* ---------- Ledger / coverage tabs ---------- */
.ledger-tabs{display:flex; gap:8px; margin-bottom:8px; flex-wrap:wrap;}
.ledger-tab{
  padding:11px 20px; border-radius:3px; font-size:14px; font-weight:600;
  border:1px solid var(--line-strong); background:transparent; color:var(--navy);
  display:inline-flex;
}
.ledger-tab[aria-selected="true"]{background:var(--navy); color:#fff; border-color:var(--navy);}
.ledger{border-top:1px solid var(--line);}
.ledger-row{
  display:grid; grid-template-columns:48px 1fr auto; align-items:center; gap:24px;
  padding:24px 20px; border-bottom:1px solid var(--line); border-radius:6px;
  transition:background .2s ease;
}
.ledger-row:hover{background:rgba(28,61,116,0.03);}
.ledger-icon{
  width:40px;height:40px;border-radius:50%;
  background:var(--paper); display:flex; align-items:center; justify-content:center;
  color:var(--navy); overflow:hidden;
}
.ledger-icon-img{width:100%;height:100%;object-fit:cover;}
.ledger-title{font-size:17px; font-weight:600; color:var(--navy);}
.ledger-desc{margin-top:5px; font-size:14.5px; color:rgba(16,27,45,0.6); max-width:520px;}
.ledger-link{
  font-size:14px; font-weight:600; color:var(--sky); white-space:nowrap;
  position:relative;
}
.ledger-link::after{content:""; position:absolute; left:0; bottom:-3px; width:0; height:1.5px; background:var(--sky); transition:width .2s ease;}
.ledger-row:hover .ledger-link::after{width:100%;}
[hidden]{display:none !important;}

/* ---------- Cover grid (archive / taxonomy) ---------- */
.cover-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:28px;}
.cover-card{
  display:block; border-radius:6px; overflow:hidden; border:1px solid var(--line);
  background:#fff; transition:transform .25s ease, box-shadow .25s ease;
}
.cover-card:hover{transform:translateY(-4px); box-shadow:0 20px 40px -20px rgba(16,27,45,0.25);}
.cover-card-image{height:180px; background-size:cover; background-position:center;}
.cover-card-body{padding:22px;}
.cover-card-body h3{font-size:18px; color:var(--navy); margin-bottom:8px;}
.cover-card-body p{font-size:14px; color:rgba(16,27,45,0.65); line-height:1.6;}

/* ---------- Pillars ---------- */
.pillars-section{background:var(--navy-deep); color:var(--paper-warm);}
.pillars-section .section-head p{color:rgba(238,242,248,0.72);}
.pillars-section .section-tag{color:var(--sky-bright);}
.pillars-section .section-head h2{color:#fff;}
.pillars-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:rgba(238,242,248,0.14);}
.pillar{background:var(--navy-deep); padding:36px 28px;}
.pillar-num{font-family:var(--serif); font-size:15px; color:var(--sky-bright); margin-bottom:18px; display:block;}
.pillar h3{font-size:19px; color:#fff; margin-bottom:12px;}
.pillar p{font-size:14.5px; color:rgba(238,242,248,0.68); line-height:1.65;}

/* ---------- Testimonials ---------- */
.marquee-wrap{overflow:hidden; -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent); mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);}
.marquee-track{display:flex; gap:24px; width:max-content; animation:scrollLeft 56s linear infinite;}
.marquee-wrap:hover .marquee-track{animation-play-state:paused;}
@keyframes scrollLeft{from{transform:translateX(0);} to{transform:translateX(-50%);}}
.quote-card{
  width:360px; flex:none; background:var(--paper); border:1px solid var(--line);
  border-radius:4px; padding:30px;
}
.quote-stars{color:var(--coral); font-size:14px; letter-spacing:2px; margin-bottom:16px;}
.quote-text{font-size:15px; line-height:1.7; color:var(--ink);}
.quote-by{margin-top:20px; font-size:13px; font-weight:600; color:rgba(16,27,45,0.6);}

/* ---------- CTA band (light — the closing "Your Protection is our
   Priority" band, and the matching band reused on cover/about/quote
   pages) ---------- */
.cta-band{
  padding:0; background:var(--paper); border-top:1px solid var(--line);
  color:var(--ink); text-align:center;
}
.cta-band .section-tag{justify-content:center; margin-bottom:4px;}
.cta-band .wrap{padding:88px 32px;}
.cta-band h2{font-size:clamp(28px,3.4vw,42px); color:var(--navy); max-width:640px; margin:12px auto 0;}
.cta-band p{margin-top:18px; color:rgba(16,27,45,0.65); font-size:16px; max-width:560px; margin-left:auto; margin-right:auto;}
.cta-band .hero-ctas{justify-content:center; margin-top:34px;}
.cta-band .footer-legal-links{justify-content:center; font-size:13px; color:rgba(16,27,45,0.5);}
.cta-band .footer-legal-links a{color:inherit;}
.cta-band .footer-legal-links a:hover{color:var(--sky);}

/* ---------- Homepage: Ready to talk strip ---------- */
.talk-strip{background:#fff; border-bottom:1px solid var(--line); padding:64px 0;}
.talk-strip-grid{display:grid; grid-template-columns:1fr auto; align-items:center; gap:48px;}
.talk-strip h2{font-size:clamp(24px,2.6vw,32px); color:var(--navy); max-width:360px;}
.talk-strip-side{display:flex; align-items:center; gap:28px; flex-wrap:wrap; justify-content:flex-end;}
.talk-strip-side p{font-size:15px; color:rgba(16,27,45,0.65); max-width:320px; line-height:1.6;}
.talk-strip-buttons{display:flex; align-items:center; gap:14px; flex-wrap:wrap;}
.btn-phone{border-color:var(--sky); color:var(--sky); background:transparent;}
.btn-phone:hover{background:var(--sky); border-color:var(--sky); color:#fff;}


/* ---------- Homepage: Explore Our Coverage carousel ---------- */
.coverage-carousel-wrap{display:flex; align-items:center; gap:16px;}
.carousel-arrow--light{border-color:var(--line-strong); color:var(--navy);}
.carousel-arrow--light:hover{background:var(--paper); border-color:var(--navy);}
.coverage-track{
  display:flex; gap:22px; overflow-x:auto; scroll-behavior:smooth; scroll-snap-type:x mandatory;
  flex:1; padding:4px 2px 14px; min-width:0;
}
.coverage-track::-webkit-scrollbar{height:6px;}
.coverage-track::-webkit-scrollbar-thumb{background:var(--line-strong); border-radius:3px;}
.coverage-card{
  flex:none; width:300px; scroll-snap-align:start; display:block;
  border-radius:8px; overflow:hidden; border:1px solid var(--line); background:#fff;
  transition:transform .25s ease, box-shadow .25s ease;
}
.coverage-card:hover{transform:translateY(-4px); box-shadow:0 20px 40px -20px rgba(16,27,45,0.25);}
.coverage-card-image{height:190px; background-size:cover; background-position:center;}
.coverage-card-body{padding:22px;}
.coverage-card-body h3{font-size:17px; color:var(--navy); margin-bottom:8px;}
.coverage-card-body p{font-size:14px; color:rgba(16,27,45,0.62); line-height:1.6; margin-bottom:12px;}

/* ---------- Homepage: Why Us checklist ---------- */
.why-us-grid{display:grid; grid-template-columns:0.9fr 1.1fr; gap:56px; align-items:start;}
.why-us-copy h2{margin-top:12px; font-size:clamp(26px,3vw,36px); color:var(--navy); line-height:1.15;}
.why-us-copy p{margin-top:16px; font-size:15.5px; color:rgba(16,27,45,0.65); line-height:1.7;}
.why-us-checklist{display:grid; grid-template-columns:1fr 1fr; gap:28px 32px;}
.why-us-item{display:flex; gap:14px; align-items:flex-start;}
.why-us-item svg{flex:none; margin-top:3px;}
.why-us-item h3{font-size:16px; color:var(--navy); margin-bottom:6px;}
.why-us-item p{font-size:14px; color:rgba(16,27,45,0.62); line-height:1.6;}

/* ---------- Header: mega-dropdown nav ---------- */
.nav-dropdown{position:relative;}
.nav-dropdown-toggle{
  background:none; border:none; font-family:inherit; display:inline-flex; align-items:center; gap:6px;
  color:var(--navy); font-size:15px; font-weight:500; padding:6px 0;
}
.nav-dropdown-toggle svg{transition:transform .2s ease; flex:none;}
.nav-dropdown-panel{
  position:absolute; top:calc(100% + 14px); left:50%; transform:translateX(-50%);
  background:#fff; border:1px solid var(--line); border-radius:8px;
  box-shadow:0 20px 40px -16px rgba(16,27,45,0.28); padding:10px; min-width:240px;
  display:none; flex-direction:column; z-index:50;
}
.nav-dropdown-panel a{display:block; padding:10px 14px; font-size:14px; color:var(--navy); border-radius:5px; white-space:nowrap;}
.nav-dropdown-panel a:hover{background:var(--paper); color:var(--sky);}
.nav-dropdown-viewall{color:var(--sky) !important; font-weight:600; border-top:1px solid var(--line); margin-top:6px; padding-top:12px !important;}
.nav-dropdown.is-open .nav-dropdown-panel{display:flex;}
.nav-dropdown.is-open .nav-dropdown-toggle svg{transform:rotate(180deg);}
@media (min-width:961px){
  .nav-dropdown{padding-bottom:14px; margin-bottom:-14px;}
  .nav-dropdown:hover .nav-dropdown-panel,
  .nav-dropdown:focus-within .nav-dropdown-panel{display:flex;}
  .nav-dropdown:hover .nav-dropdown-toggle svg,
  .nav-dropdown:focus-within .nav-dropdown-toggle svg{transform:rotate(180deg);}
}

/* ---------- Timed enquiry popup ---------- */
.enquiry-popup{
  position:fixed; inset:0; z-index:1000; display:flex; align-items:center; justify-content:center;
  padding:24px; background:rgba(14,29,56,0.6); opacity:0; transition:opacity .25s ease;
}
.enquiry-popup[hidden]{display:none;}
.enquiry-popup.is-visible{opacity:1;}
.enquiry-popup-card{
  position:relative; width:100%; max-width:480px; background:#fff; border-radius:10px; padding:40px 36px 28px;
  box-shadow:0 30px 60px -20px rgba(14,29,56,0.5); transform:translateY(14px); transition:transform .25s ease;
}
.enquiry-popup.is-visible .enquiry-popup-card{transform:translateY(0);}
.enquiry-popup-card h2{font-size:clamp(24px,3vw,30px); color:var(--navy); margin-top:12px;}
.enquiry-popup-card p{margin-top:14px; font-size:15.5px; line-height:1.65; color:rgba(16,27,45,0.68);}
.enquiry-popup-actions{display:flex; gap:12px; flex-wrap:wrap; margin-top:24px;}
.enquiry-popup-close{
  position:absolute; top:14px; right:14px; width:34px; height:34px; border-radius:50%;
  border:none; background:transparent; color:var(--navy); display:flex; align-items:center; justify-content:center;
}
.enquiry-popup-close:hover{background:var(--paper);}
.enquiry-popup-dismiss{
  display:block; margin:18px auto 0; border:none; background:none; font-family:inherit;
  font-size:13px; color:rgba(16,27,45,0.5); text-decoration:underline; text-underline-offset:3px;
}
.enquiry-popup-dismiss:hover{color:var(--navy);}
@media (max-width:600px){
  .enquiry-popup-card{padding:36px 24px 24px;}
  .enquiry-popup-actions .btn{flex:1 1 100%;}
}
@media (prefers-reduced-motion:reduce){
  .enquiry-popup, .enquiry-popup-card{transition:none;}
}

/* ---------- Footer ---------- */
footer{background:var(--paper); border-top:1px solid var(--line); padding-top:0;}

.footer-trust-band{background:#fff; border-bottom:1px solid var(--line);}
.footer-trust-strip{
  display:flex; flex-direction:column; align-items:center; gap:18px;
  padding-top:36px; padding-bottom:36px;
}
.footer-trust-label{font-size:12px; font-weight:600; letter-spacing:0.03em; color:rgba(16,27,45,0.45); text-transform:uppercase;}
.footer-trust-logos{display:flex; align-items:center; justify-content:center; gap:56px; flex-wrap:wrap;}
.trust-logo{height:64px; display:flex; align-items:center;}
.trust-logo svg{height:100%; width:auto;}
.trust-logo svg path{fill:var(--navy) !important;}

.footer-grid{display:grid; grid-template-columns:1.4fr repeat(3,1fr); gap:40px; padding-top:56px; padding-bottom:56px;}
.footer-social{display:flex; gap:10px; margin-top:18px; flex-wrap:wrap;}
.footer-social a{
  width:36px; height:36px; border-radius:50%; border:1px solid var(--line-strong); color:var(--navy);
  display:flex; align-items:center; justify-content:center; transition:background .2s ease, color .2s ease, border-color .2s ease;
}
.footer-social a:hover{background:var(--navy); border-color:var(--navy); color:#fff;}
.footer-brand p{margin-top:14px; font-size:14px; color:rgba(16,27,45,0.62); max-width:280px; line-height:1.65;}
.footer-col h4{font-size:12.5px; font-weight:700; letter-spacing:0.03em; text-transform:uppercase; color:var(--navy); margin:0 0 16px; padding-top:2px;}
.footer-col a{display:block; font-size:14px; color:rgba(16,27,45,0.68); padding:5px 0;}
.footer-col a:hover{color:var(--sky);}
.footer-view-all{color:var(--sky) !important; font-weight:600; margin-top:4px;}

/* Footer accordion — collapsed by default (native <details> behaviour);
   forced open on desktop widths below, where it just reads as a plain column. */
.footer-accordion summary{
  cursor:pointer; list-style:none; font-size:12.5px; font-weight:700; letter-spacing:0.03em;
  text-transform:uppercase; color:var(--navy); display:flex; align-items:center; justify-content:space-between;
  padding:2px 0 16px;
}
.footer-accordion summary::-webkit-details-marker{display:none;}
.footer-accordion-chevron{transition:transform 0.2s ease; flex:none; color:var(--navy);}
.footer-accordion[open] .footer-accordion-chevron{transform:rotate(180deg);}

@media (min-width:961px){
  .footer-accordion-body{display:block !important; content-visibility:visible !important;}
  .footer-accordion summary{cursor:default; pointer-events:none; padding-bottom:16px;}
  .footer-accordion-chevron{display:none;}
}
.badge-row{display:flex; gap:10px; margin-top:18px; flex-wrap:wrap;}
.footer-cta{display:inline-block; margin-top:22px; padding:10px 20px; font-size:13.5px;}
.footer-legal-links{display:inline-flex; flex-wrap:wrap; align-items:center; gap:6px;}
.footer-legal-links a{color:inherit; text-decoration:underline; text-underline-offset:2px;}
.footer-legal-links a:hover{color:var(--sky);}
.footer-legal-sep{opacity:0.4;}
.badge{
  font-size:11.5px; font-weight:600; color:var(--navy); border:1px solid var(--line-strong);
  border-radius:3px; padding:7px 12px; display:flex; align-items:center; gap:6px;
}
.footer-bottom{
  border-top:1px solid var(--line); padding-top:20px; padding-bottom:20px; display:flex; justify-content:space-between; align-items:center;
  font-size:12.5px; color:rgba(16,27,45,0.5); flex-wrap:wrap; gap:10px;
}
@media (max-width:600px){
  .footer-bottom{flex-direction:column; align-items:flex-start; gap:8px;}
}

/* ---------- About Us page ---------- */
.about-photo-row{display:grid; grid-template-columns:0.9fr 1.1fr; gap:56px; align-items:center;}
.about-photo-row--no-image{grid-template-columns:1fr;}
.about-photo{
  height:100%; min-height:360px; border-radius:10px; background-size:cover; background-position:center;
  box-shadow:0 24px 48px -24px rgba(16,27,45,0.3);
}

.about-values-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:8px; overflow:hidden;}
.about-value{background:#fff; padding:28px 24px;}
.about-value h3{font-size:16px; color:var(--navy); margin:12px 0 8px;}
.about-value p{font-size:14px; color:rgba(16,27,45,0.62); line-height:1.6;}

.about-team-split{display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;}
.about-team-photo{
  height:100%; min-height:340px; border-radius:10px; background-size:cover; background-position:center;
  box-shadow:0 24px 48px -24px rgba(0,0,0,0.5); border:1px solid rgba(238,242,248,0.15);
}
.about-team-tags{display:flex; flex-wrap:wrap; gap:10px; margin-top:24px;}
.about-team-tag{
  display:inline-flex; align-items:center; gap:8px; font-size:13.5px; font-weight:600; color:#fff;
  background:rgba(238,242,248,0.08); border:1px solid rgba(238,242,248,0.2); border-radius:20px; padding:8px 16px;
}
.about-team-tag svg{width:15px; height:15px;}
.about-team-tag svg path, .about-team-tag svg circle{stroke:var(--sky-bright);}
.about-team-grid{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
.about-team-item{
  background:rgba(238,242,248,0.06); border:1px solid rgba(238,242,248,0.14); border-radius:8px;
  padding:22px; display:flex; flex-direction:column; gap:12px; color:#fff; font-size:14.5px; font-weight:600;
}
.about-team-icon{width:40px; height:40px; border-radius:50%; background:rgba(238,242,248,0.1); display:flex; align-items:center; justify-content:center;}
.about-team-icon svg path, .about-team-icon svg circle{stroke:var(--sky-bright);}

.about-gallery{display:grid; grid-template-columns:repeat(4,1fr); gap:20px;}
.about-gallery--1{grid-template-columns:1fr;}
.about-gallery--2{grid-template-columns:1fr 1fr;}
.about-gallery--3{grid-template-columns:repeat(3,1fr);}
.about-gallery-item{height:220px; border-radius:8px; background-size:cover; background-position:center;}

.about-visit-split{display:grid; grid-template-columns:0.9fr 1.1fr; gap:48px; align-items:center;}
.about-map{border-radius:8px; overflow:hidden; box-shadow:0 20px 40px -20px rgba(16,27,45,0.3); line-height:0;}

/* ---------- Quote form ---------- */
.quote-banner{min-height:0 !important;}
.quote-banner .hero-grid{padding-top:64px !important; padding-bottom:64px !important;}

.quote-section{padding:64px 0 96px;}
.quote-layout{display:grid; grid-template-columns:1.5fr 1fr; gap:40px; align-items:start;}
.quote-main{width:100%; min-width:0;}
.quote-side{width:100%; min-width:0;}

.quote-form-card{
  background:#fff; border-radius:10px; padding:40px; width:100%;
  box-shadow:0 30px 60px -30px rgba(16,27,45,0.22); border:1px solid var(--line);
  border-top:4px solid var(--coral);
}
.quote-status{
  border-radius:6px; padding:20px 24px; margin-bottom:32px; font-size:15px;
}
.quote-status strong{display:block; font-size:16px; margin-bottom:6px;}
.quote-status p{margin-top:4px; line-height:1.6;}
.quote-status--success{background:rgba(29,134,189,0.08); border:1px solid rgba(29,134,189,0.3); color:var(--navy);}
.quote-status--success strong{color:var(--sky);}
.quote-status--error{background:rgba(228,40,46,0.06); border:1px solid rgba(228,40,46,0.3); color:var(--navy);}
.quote-status--error strong{color:var(--coral);}

.quote-hp{position:absolute; left:-9999px; top:auto; width:1px; height:1px; overflow:hidden;}

.quote-group{display:flex; gap:20px; padding:28px 0; border-bottom:1px solid var(--line);}
.quote-group:first-of-type{padding-top:0;}
.quote-group:last-of-type{border-bottom:none; padding-bottom:8px;}
.quote-group-num{
  flex:none; width:30px; height:30px; border-radius:50%; background:var(--navy); color:#fff;
  font-family:var(--serif); font-size:14px; display:flex; align-items:center; justify-content:center;
}
.quote-group-body{flex:1; min-width:0;}
.quote-group-title{font-size:12.5px; font-weight:700; letter-spacing:0.05em; text-transform:uppercase; color:var(--sky); margin:0 0 18px;}

.quote-grid{display:grid; grid-template-columns:1fr 1fr; gap:20px 24px;}
.quote-field{display:flex; flex-direction:column; gap:6px;}
.quote-field--full{grid-column:1 / -1;}
.quote-field label{font-size:13.5px; font-weight:600; color:var(--navy);}
.quote-field small{font-size:12.5px; color:rgba(16,27,45,0.55); margin-top:-4px;}
.quote-field input[type="text"],
.quote-field input[type="email"],
.quote-field input[type="tel"],
.quote-field select,
.quote-field textarea{
  font-family:var(--sans); font-size:14.5px; color:var(--ink);
  padding:12px 14px; border:1px solid var(--line-strong); border-radius:5px; background:var(--paper);
  width:100%; transition:border-color .15s ease, box-shadow .15s ease, background .15s ease;
}
.quote-field input:focus, .quote-field select:focus, .quote-field textarea:focus{
  outline:none; border-color:var(--sky); background:#fff; box-shadow:0 0 0 4px rgba(29,134,189,0.14);
}
.quote-field textarea{resize:vertical; min-height:110px;}
.quote-radio-row{display:flex; gap:20px; margin-top:4px;}
.quote-radio-row label{display:flex; align-items:center; gap:6px; font-size:14.5px; font-weight:400; color:var(--ink);}
.quote-checkbox{display:flex; align-items:flex-start; gap:10px; font-size:14px; font-weight:400; color:rgba(16,27,45,0.75); cursor:pointer;}
.quote-checkbox input{margin-top:3px;}
.quote-submit{width:100%; margin-top:28px; padding:15px 22px; font-size:15px; transition:transform .15s ease, box-shadow .15s ease;}
.quote-submit:hover{transform:translateY(-1px); box-shadow:0 12px 24px -10px rgba(228,40,46,0.45);}
.quote-privacy-note{margin-top:14px; font-size:12.5px; color:rgba(16,27,45,0.5); line-height:1.6; text-align:center;}

/* Side panel */
.quote-side-panel{
  background:linear-gradient(160deg, var(--navy-deep), var(--navy-mid)); color:#fff; width:100%;
  border-radius:10px; padding:36px 32px; position:sticky; top:100px;
}
.quote-steps{list-style:none; margin:20px 0 0; padding:0; display:flex; flex-direction:column; gap:20px;}
.quote-steps li{display:flex; gap:14px; align-items:flex-start;}
.quote-steps-num{
  flex:none; width:28px; height:28px; border-radius:50%; background:rgba(238,242,248,0.12);
  border:1px solid rgba(238,242,248,0.25); color:var(--sky-bright); font-family:var(--serif); font-size:13px;
  display:flex; align-items:center; justify-content:center;
}
.quote-steps strong{display:block; font-size:14.5px; color:#fff; margin-bottom:4px;}
.quote-steps p{font-size:13.5px; color:rgba(238,242,248,0.7); line-height:1.55;}
.quote-side-divider{height:1px; background:rgba(238,242,248,0.15); margin:28px 0 20px;}
.quote-side-note{font-size:13px; color:rgba(238,242,248,0.6); margin-bottom:10px;}
.quote-side-phone{
  display:flex; align-items:center; gap:10px; font-size:18px; font-weight:600; color:#fff;
  font-family:var(--serif);
}
.quote-side-badges{margin-top:24px; display:flex; gap:10px; flex-wrap:wrap;}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  section:not(.hero):not(.cover-banner):not(.cta-band):not(.talk-strip){padding:72px 0 !important;}
  .hero-bg::after{
    background:
      linear-gradient(180deg, rgba(14,29,56,0.82) 0%, rgba(14,29,56,0.66) 50%, rgba(14,29,56,0.85) 100%);
  }
  .cta-band .wrap{padding:64px 24px !important;}
  nav.primary{
    display:none; position:absolute; top:100%; left:0; right:0; z-index:99;
    flex-direction:column; align-items:stretch; gap:0;
    background:#fff; border-bottom:1px solid var(--line);
    padding:8px 32px 16px; box-shadow:0 16px 32px -16px rgba(16,27,45,0.2);
  }
  nav.primary.is-open{display:flex;}
  nav.primary a{padding:14px 0; border-bottom:1px solid var(--line);}
  nav.primary a:last-child{border-bottom:none;}
  .header-actions .phone-link{display:none;}
  .menu-toggle{display:block;}
  .hero-grid{padding-top:88px; padding-bottom:80px; max-width:100%;}
  .cover-banner{min-height:0;}
  .cover-banner .hero-grid{padding-top:80px; padding-bottom:80px;}
  .cover-banner-mark{width:76px; margin-bottom:18px;}
  .quote-layout{grid-template-columns:1fr;}
  .quote-side-panel{position:static;}
  .stat{border-left:none; border-top:1px solid var(--line); padding-top:24px;}
  .stat:nth-child(1),.stat:nth-child(2){border-top:none;}
  .pillars-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr 1fr; gap:32px;}
  .cover-grid{grid-template-columns:repeat(2,1fr);}
  .about-photo-row{grid-template-columns:1fr;}
  .about-values-grid{grid-template-columns:1fr 1fr;}
  .about-team-split{grid-template-columns:1fr;}
  .about-visit-split{grid-template-columns:1fr;}
  .about-gallery{grid-template-columns:1fr 1fr;}
  .footer-trust-logos{gap:36px;}
  .trust-logo{height:48px;}
  .footer-grid{gap:32px;}
  .talk-strip-grid{grid-template-columns:1fr; gap:24px;}
  .talk-strip-side{justify-content:flex-start;}
  .why-us-grid{grid-template-columns:1fr; gap:32px;}
  .why-us-checklist{grid-template-columns:1fr;}
  .nav-dropdown-panel{
    position:static; transform:none; box-shadow:none; border:none; background:transparent;
    padding:0 0 8px 12px; display:none;
  }
  .nav-dropdown.is-open .nav-dropdown-panel{display:flex;}
  .nav-dropdown-toggle{width:100%; justify-content:space-between; padding:14px 0; border-bottom:1px solid var(--line);}
  .nav-dropdown-panel a{padding:10px 0; border-radius:0;}
}
@media (max-width:600px){
  header .logo svg, header .logo img, header .custom-logo-link img{height:46px;}
  .wrap{padding-left:24px !important; padding-right:24px !important;}
  section:not(.hero):not(.cover-banner):not(.cta-band):not(.talk-strip){padding:56px 0 !important;}
  .cta-band .wrap{padding:48px 24px !important;}
  .footer-grid{gap:36px;}
  .footer-trust-strip{padding-top:32px; padding-bottom:32px;}
  .hero-grid{padding-top:72px; padding-bottom:64px;}
  .btn{padding:11px 18px; font-size:13.5px;}
  .hero-ctas{flex-direction:column; align-items:stretch;}
  .hero-ctas .btn{text-align:center;}
  .stat-number{font-size:34px;}
  .cover-banner .hero-grid{padding-top:64px; padding-bottom:64px;}
  .quote-banner .hero-grid{padding-top:60px !important; padding-bottom:60px !important;}
  .hero{min-height:0;}
  .hero h1{font-size:26px; line-height:1.15;}
  .hero p.lead{font-size:14.5px; margin-top:16px;}
  .hero-ctas{margin-top:18px; gap:10px;}
  .hero-carousel-controls{margin-top:16px; gap:10px;}
  .carousel-arrow{width:30px; height:30px;}
  .carousel-arrow svg{width:13px; height:13px;}
  .pillars-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .ledger-row{grid-template-columns:1fr; row-gap:10px; padding:20px 16px;}
  .ledger-link{grid-column:1;}
  .cover-grid{grid-template-columns:1fr;}
  .quote-grid{grid-template-columns:1fr;}
  .quote-form-card{padding:28px 22px;}
  .quote-group{flex-direction:column; gap:12px;}
  .about-values-grid{grid-template-columns:1fr;}
  .about-team-grid{grid-template-columns:1fr;}
  .cover-points-layout{grid-template-columns:1fr;}
  .cover-points-image{min-height:220px;}
  .about-photo{min-height:220px;}
  .about-team-photo{min-height:220px;}
  .about-gallery{grid-template-columns:1fr;}
  .footer-trust-logos{gap:28px;}
  .trust-logo{height:38px;}
  .talk-strip{padding:44px 0;}
  .coverage-card{width:250px;}
  .coverage-card-image{height:150px;}
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs{background:var(--paper); border-bottom:1px solid var(--line); padding:14px 0;}
.breadcrumbs ol{list-style:none; display:flex; flex-wrap:wrap; align-items:center; margin:0; padding:0;}
.breadcrumbs li{display:flex; align-items:center; font-size:13px; color:rgba(16,27,45,0.55);}
.breadcrumbs a{color:rgba(16,27,45,0.55); text-decoration:none;}
.breadcrumbs a:hover{color:var(--sky); text-decoration:underline;}
.breadcrumbs span[aria-current]{color:var(--navy); font-weight:600;}
.breadcrumb-sep{margin:0 8px; color:rgba(16,27,45,0.3);}
@media (max-width:600px){
  .breadcrumbs{padding:10px 0;}
  .breadcrumbs li{font-size:12px;}
}