/* ==========================================================================
   Stone Peak Insurance - Production Stylesheet
   Modern, Trustworthy, Accessible American Financial & Insurance Design
   ========================================================================== */

:root {
  /* Color Palette */
  --color-primary: #0B1B3D;         /* Deep Navy */
  --color-primary-dark: #071228;    /* Dark Navy for footer & deep contrast */
  --color-primary-light: #162E62;   /* Navy hover / lighter tone */
  --color-accent: #2563EB;          /* Professional Muted Blue Accent */
  --color-accent-hover: #1D4ED8;    /* Deeper Blue Accent */
  --color-accent-subtle: #EFF6FF;   /* Very Light Blue tint for backgrounds */
  --color-accent-border: #BFDBFE;   /* Border highlight */

  --color-text-main: #1E293B;       /* Slate 800 - high contrast, readable */
  --color-text-muted: #475569;      /* Slate 600 - secondary copy */
  --color-text-light: #64748B;      /* Slate 500 - captions / dates */
  --color-text-white: #FFFFFF;      /* Clean White */

  --color-bg-body: #FFFFFF;         /* Crisp White */
  --color-bg-alt: #F8FAFC;          /* Clean Light Slate background */
  --color-bg-card: #FFFFFF;         /* Pure white card backgrounds */
  --color-bg-subtle: #F1F5F9;       /* Light border/fill */

  --color-border: #E2E8F0;          /* Clean neutral border */
  --color-border-hover: #CBD5E1;    /* Slightly darker on hover */
  
  --color-success: #059669;         /* Muted Green for valid states */
  --color-warning: #D97706;         /* Amber warning */
  --color-error: #DC2626;           /* Red for required / errors */

  /* Typography */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.07), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
  --shadow-hover: 0 12px 24px -4px rgba(11, 27, 61, 0.12);

  /* Layout & Spacing */
  --container-max: 1200px;
  --container-narrow: 840px;
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-full: 9999px;
  --header-height: 80px;

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-normal: 250ms ease;
}

/* Base Reset & Box Sizing */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  line-height: 1.6;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-sans);
  color: var(--color-text-main);
  background-color: var(--color-bg-body);
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--color-accent);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover, a:focus-visible {
  color: var(--color-accent-hover);
}

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 3px;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-primary);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.015em;
}

h1 { font-size: clamp(2rem, 4vw, 2.75rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.15rem); }
h3 { font-size: clamp(1.25rem, 2.2vw, 1.5rem); }
h4 { font-size: 1.15rem; font-weight: 600; }

p {
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

p:last-child {
  margin-bottom: 0;
}

ul, ol {
  padding-left: 1.35rem;
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

li {
  margin-bottom: 0.35rem;
}

/* ==========================================================================
   Layout Containers & Utilities
   ========================================================================== */

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.section {
  padding-top: 5rem;
  padding-bottom: 5rem;
}

.section-alt {
  background-color: var(--color-bg-alt);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.section-primary {
  background-color: var(--color-primary);
  color: var(--color-text-white);
}

.section-primary h1,
.section-primary h2,
.section-primary h3 {
  color: var(--color-text-white);
}

.section-primary p {
  color: #CBD5E1;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem auto;
}

.section-header.text-left {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent);
  margin-bottom: 0.75rem;
}

.section-primary .section-eyebrow {
  color: #93C5FD;
}

.section-title {
  margin-bottom: 1rem;
}

.section-desc {
  font-size: 1.125rem;
  line-height: 1.6;
}

/* Grid Systems */
.grid {
  display: grid;
  gap: 2rem;
}

.grid-2 { grid-template-columns: repeat(1, 1fr); }
.grid-3 { grid-template-columns: repeat(1, 1fr); }
.grid-4 { grid-template-columns: repeat(1, 1fr); }

@media (min-width: 640px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 768px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

/* ==========================================================================
   Header & Sticky Navigation
   ========================================================================== */

.top-bar {
  background-color: #071228;
  color: #94A3B8;
  font-size: 0.8125rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
  line-height: 1.4;
}

.top-bar-location, .top-bar-email {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.8125rem;
  line-height: 1.4;
}

.top-bar a {
  color: #CBD5E1;
  text-decoration: none;
}

.top-bar a:hover {
  color: #FFFFFF;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition-normal);
}

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

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-height);
  height: auto;
  width: 100%;
  max-width: 1360px;
  margin-left: auto;
  margin-right: auto;
  padding: 0.65rem 1.5rem;
  gap: 1rem;
}

.logo-link {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}

.logo-link img {
  height: 38px;
  width: auto;
  max-width: 210px;
  display: block;
}

/* Nav Menu Desktop */
.nav-menu {
  display: none;
  list-style: none;
  align-items: center;
  gap: 0.65rem;
  margin: 0;
  padding: 0;
  flex-wrap: nowrap;
}

@media (min-width: 1180px) {
  .nav-menu {
    display: flex;
  }
}

.nav-link {
  font-family: var(--font-heading);
  font-size: 0.835rem;
  font-weight: 600;
  color: var(--color-text-main);
  padding: 0.4rem 0.3rem;
  position: relative;
  transition: color var(--transition-fast);
  white-space: nowrap;
  letter-spacing: -0.01em;
}

.nav-link:hover, .nav-link.active {
  color: var(--color-accent);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 100%;
  height: 2px;
  background-color: var(--color-accent);
  border-radius: 2px;
}

.header-actions {
  display: none;
  align-items: center;
  flex-shrink: 0;
  gap: 0.75rem;
}

@media (min-width: 1180px) {
  .header-actions {
    display: flex;
  }
}

.header-actions .btn {
  white-space: nowrap;
  font-size: 0.8125rem;
  padding: 0.5rem 1rem;
}

/* On wider screens (1340px+), give extra generous spacing */
@media (min-width: 1340px) {
  .nav-menu {
    gap: 1.15rem;
  }
  .nav-link {
    font-size: 0.875rem;
    padding: 0.5rem 0.4rem;
  }
  .header-actions .btn {
    font-size: 0.875rem;
    padding: 0.625rem 1.25rem;
  }
}

/* Mobile Toggle */
.mobile-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.5rem;
  color: var(--color-primary);
  cursor: pointer;
  transition: background-color var(--transition-fast);
  flex-shrink: 0;
}

.mobile-toggle:hover {
  background-color: var(--color-bg-subtle);
}

@media (min-width: 1180px) {
  .mobile-toggle {
    display: none;
  }
}

/* Mobile Navigation Drawer */
.mobile-nav-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(11, 27, 61, 0.6);
  z-index: 1100;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-normal), visibility var(--transition-normal);
}

.mobile-nav-overlay.open {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: 85%;
  max-width: 360px;
  height: 100%;
  background-color: #FFFFFF;
  z-index: 1200;
  box-shadow: -4px 0 25px rgba(0, 0, 0, 0.15);
  transform: translateX(100%);
  transition: transform var(--transition-normal) cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  padding: 1.5rem;
}

.mobile-drawer.open {
  transform: translateX(0);
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 2rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--color-border);
}

.mobile-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--color-text-muted);
  cursor: pointer;
  padding: 0.25rem 0.5rem;
}

.mobile-nav-list {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
}

.mobile-nav-item {
  border-bottom: 1px solid var(--color-bg-subtle);
}

.mobile-nav-link {
  display: block;
  padding: 0.875rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-primary);
}

.mobile-nav-link.active {
  color: var(--color-accent);
}

.mobile-drawer-footer {
  margin-top: auto;
  padding-top: 1.5rem;
  border-top: 1px solid var(--color-border);
}

.mobile-contact-info {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
}

/* ==========================================================================
   Buttons & CTAs
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1;
  padding: 0.8125rem 1.625rem;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.btn-primary {
  background-color: var(--color-accent);
  color: #FFFFFF;
}

.btn-primary:hover, .btn-primary:focus-visible {
  background-color: var(--color-accent-hover);
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.btn-navy {
  background-color: var(--color-primary);
  color: #FFFFFF;
}

.btn-navy:hover, .btn-navy:focus-visible {
  background-color: var(--color-primary-light);
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(11, 27, 61, 0.25);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.btn-outline:hover, .btn-outline:focus-visible {
  background-color: var(--color-primary);
  color: #FFFFFF;
}

.btn-outline-white {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.6);
  color: #FFFFFF;
}

.btn-outline-white:hover, .btn-outline-white:focus-visible {
  background-color: #FFFFFF;
  color: var(--color-primary);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: 1.05rem;
}

.btn-full {
  width: 100%;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */

.hero {
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  padding: 4.5rem 0 5rem 0;
  border-bottom: 1px solid var(--color-border);
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  right: -5%;
  bottom: -15%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.04) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.hero-content {
  max-width: 620px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: var(--color-accent-subtle);
  border: 1px solid var(--color-accent-border);
  color: var(--color-accent-hover);
  font-size: 0.8125rem;
  font-weight: 600;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.25rem;
}

.hero-title {
  font-size: clamp(2.25rem, 4.5vw, 3.25rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.15;
  margin-bottom: 1.25rem;
  color: var(--color-primary);
}

.hero-copy {
  font-size: 1.15rem;
  line-height: 1.65;
  color: var(--color-text-muted);
  margin-bottom: 2rem;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.25rem;
}

.hero-trust-line {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text-light);
  border-top: 1px solid var(--color-border);
  padding-top: 1.25rem;
}

/* Hero Quick Form Card / Graphic */
.hero-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.hero-card-header {
  margin-bottom: 1.5rem;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 1rem;
}

.hero-card-header h3 {
  font-size: 1.25rem;
  margin-bottom: 0.25rem;
}

.hero-card-header p {
  font-size: 0.875rem;
  margin-bottom: 0;
}

/* ==========================================================================
   Cards & Feature Components
   ========================================================================== */

.card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
  border-color: #CBD5E1;
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-subtle);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.card-title {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.card-text {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--color-text-muted);
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.card-link {
  font-size: 0.875rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: var(--color-accent);
}

.card-link:hover {
  gap: 0.6rem;
}

/* Pill tags */
.tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-full);
  background-color: var(--color-bg-subtle);
  color: var(--color-text-muted);
}

.tag-accent {
  background-color: var(--color-accent-subtle);
  color: var(--color-accent);
}

/* Step Cards */
.step-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2.25rem 1.75rem;
  position: relative;
  height: 100%;
}

.step-number {
  width: 36px;
  height: 36px;
  background-color: var(--color-primary);
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: 1.25rem;
}

.step-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

/* Why Stone Peak Grid */
.why-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
}

.why-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background-color: #F8FAFC;
  border: 1px solid var(--color-border);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

/* Notice / Disclaimer Callout Box */
.notice-box {
  background-color: #F8FAFC;
  border-left: 4px solid var(--color-accent);
  border-top: 1px solid var(--color-border);
  border-right: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  font-size: 0.875rem;
  color: var(--color-text-muted);
}

.notice-box-warning {
  border-left-color: var(--color-warning);
  background-color: #FFFBEB;
}

.notice-box-navy {
  border-left-color: var(--color-primary);
  background-color: #F8FAFC;
}

/* Breadcrumbs */
.breadcrumb-wrapper {
  background-color: var(--color-bg-alt);
  border-bottom: 1px solid var(--color-border);
  padding: 0.75rem 0;
  font-size: 0.8125rem;
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.breadcrumb-item a {
  color: var(--color-text-muted);
}

.breadcrumb-item a:hover {
  color: var(--color-accent);
}

.breadcrumb-separator {
  color: var(--color-text-light);
}

.breadcrumb-current {
  color: var(--color-primary);
  font-weight: 600;
}

/* Page Header Banner */
.page-banner {
  background-color: var(--color-primary);
  color: #FFFFFF;
  padding: 4rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.page-banner h1 {
  color: #FFFFFF;
  margin-bottom: 0.75rem;
}

.page-banner p {
  color: #CBD5E1;
  font-size: 1.15rem;
  max-width: 680px;
  margin-bottom: 0;
}

/* Detailed Content Sections */
.detail-block {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  margin-bottom: 2.5rem;
  box-shadow: var(--shadow-sm);
}

.detail-block:last-child {
  margin-bottom: 0;
}

.detail-block-header {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--color-border);
}

.detail-block-header h2,
.detail-block-header h3 {
  margin-bottom: 0;
}

.detail-subsections {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

@media (min-width: 768px) {
  .detail-subsections {
    grid-template-columns: 1fr 1fr;
  }
}

.detail-box {
  background-color: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}

.detail-box h4 {
  font-size: 1rem;
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--color-primary);
}

/* ==========================================================================
   Forms & Controls
   ========================================================================== */

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

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

@media (min-width: 640px) {
  .form-row {
    grid-template-columns: 1fr 1fr;
  }
}

label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 0.35rem;
}

.required-indicator {
  color: var(--color-error);
  margin-left: 2px;
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  color: var(--color-text-main);
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
  outline: none;
}

.form-control.error {
  border-color: var(--color-error);
}

.field-error {
  font-size: 0.8125rem;
  color: var(--color-error);
  margin-top: 0.25rem;
  display: none;
}

.field-error.visible {
  display: block;
}

.form-hint {
  font-size: 0.75rem;
  color: var(--color-text-light);
  margin-top: 0.25rem;
}

/* Consent Checkbox */
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin: 1.5rem 0;
}

.checkbox-input {
  margin-top: 0.25rem;
  width: 18px;
  height: 18px;
  accent-color: var(--color-accent);
  cursor: pointer;
  flex-shrink: 0;
}

.checkbox-label {
  font-size: 0.875rem;
  line-height: 1.45;
  color: var(--color-text-muted);
  font-weight: 400;
  cursor: pointer;
}

/* Honeypot field (hidden from humans, catches bots) */
.hp-field {
  opacity: 0;
  position: absolute;
  top: 0;
  left: 0;
  height: 0;
  width: 0;
  z-index: -1;
}

/* Form Container Card */
.quote-form-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   FAQ Accordion
   ========================================================================== */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--color-border-hover);
}

.faq-item.active {
  border-color: var(--color-accent-border);
  box-shadow: var(--shadow-sm);
}

.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  padding: 1.25rem 1.5rem;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  cursor: pointer;
}

.faq-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  transition: transform var(--transition-normal);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-normal) ease-out, padding var(--transition-normal) ease-out;
  padding: 0 1.5rem;
}

.faq-item.active .faq-answer {
  padding-bottom: 1.5rem;
}

.faq-answer-inner {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--color-text-muted);
}

/* ==========================================================================
   Resource Center Articles Grid
   ========================================================================== */

.article-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}

.article-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.8125rem;
  color: var(--color-text-light);
  margin-bottom: 0.75rem;
}

.article-title {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}

.article-excerpt {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

/* Article detail modal or reader overlay */
.article-full-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  margin-bottom: 3rem;
  box-shadow: var(--shadow-sm);
}

.article-full-card h2 {
  margin-bottom: 1rem;
}

.article-full-card h3 {
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
}

/* ==========================================================================
   Contact Page Components
   ========================================================================== */

.contact-info-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin-bottom: 2rem;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.contact-info-item:last-child {
  margin-bottom: 0;
}

.contact-icon-box {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-subtle);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.map-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background-color: #F8FAFC;
  padding: 1.5rem;
  position: relative;
}

.map-placeholder-graphic {
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, #F1F5F9 0%, #E2E8F0 100%);
  border: 1px solid #CBD5E1;
  padding: 2rem;
  text-align: center;
}

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
  background-color: var(--color-primary-dark);
  color: #94A3B8;
  padding-top: 4.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 3.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
  }
}

.footer-brand p {
  color: #94A3B8;
  font-size: 0.875rem;
  line-height: 1.6;
  margin-top: 1rem;
  margin-bottom: 1.25rem;
}

.footer-address {
  font-style: normal;
  font-size: 0.875rem;
  color: #CBD5E1;
  line-height: 1.6;
}

.footer-address a {
  color: #93C5FD;
}

.footer-heading {
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #FFFFFF;
  margin-bottom: 1.25rem;
}

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

.footer-links li {
  margin-bottom: 0.65rem;
}

.footer-links a {
  font-size: 0.875rem;
  color: #94A3B8;
  transition: color var(--transition-fast);
}

.footer-links a:hover {
  color: #FFFFFF;
}

.footer-disclaimer-wrap {
  padding: 2rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-disclaimer-text {
  font-size: 0.8125rem;
  line-height: 1.6;
  color: #64748B;
  margin: 0;
}

.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.8125rem;
  color: #64748B;
}

.footer-bottom a {
  color: #94A3B8;
}

.footer-bottom a:hover {
  color: #FFFFFF;
}

/* ==========================================================================
   Legal & Static Policy Content
   ========================================================================== */

.legal-content {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: var(--shadow-sm);
}

.legal-content h2 {
  font-size: 1.5rem;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--color-border);
}

.legal-content h3 {
  font-size: 1.2rem;
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

.legal-meta {
  font-size: 0.875rem;
  color: var(--color-text-light);
  margin-bottom: 2rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--color-border);
}

/* ==========================================================================
   Thank You Page & Status Components
   ========================================================================== */

.thank-you-card {
  background-color: #FFFFFF;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 3.5rem 2rem;
  text-align: center;
  max-width: 640px;
  margin: 2rem auto;
  box-shadow: var(--shadow-md);
}

.thank-you-icon {
  width: 64px;
  height: 64px;
  background-color: #ECFDF5;
  color: #059669;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem auto;
}

.inquiry-details-box {
  background-color: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin: 1.5rem 0;
  text-align: left;
  font-size: 0.875rem;
}

/* ==========================================================================
   Print & Accessibility Styles
   ========================================================================== */

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

.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--color-primary);
  color: white;
  padding: 8px 16px;
  z-index: 9999;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 0;
}

@media print {
  .site-header, .site-footer, .btn, .mobile-toggle {
    display: none !important;
  }
  body {
    color: #000000;
    background: #FFFFFF;
  }
}