/* Florida State Insurance Group — High-End Independent Agency Design System
   Second Polish Pass: Navy / White / Gold | Verified Information Only */

@import url('https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,600;0,6..72,700;1,6..72,400;1,6..72,600&family=Public+Sans:wght@400;500;600;700;800&display=swap');

:root {
  --navy-deep: #05162b;
  --navy-dark: #071f3d;
  --navy: #092f5c;
  --navy-light: #153e70;
  --navy-gradient: linear-gradient(135deg, #071f3d 0%, #05162b 100%);
  --blue: #1e9ed8;
  --blue-light: #eaf7fc;
  --gold: #c58d23;
  --gold-hover: #ad7919;
  --gold-accent: #d4a337;
  --gold-light: #fef8eb;
  --gold-gradient: linear-gradient(135deg, #d49e35 0%, #b88015 100%);
  --gold-gradient-hover: linear-gradient(135deg, #e0aa40 0%, #c58d23 100%);
  --ivory: #fdfbf7;
  --sand-light: #faf7f2;
  --white: #ffffff;
  --slate-dark: #12283e;
  --text: #2c445e;
  --muted: #64748b;
  --light-bg: #f8fafc;
  --border: #e2e8f0;
  --border-light: rgba(255, 255, 255, 0.12);
  --shadow-sm: 0 4px 14px rgba(9, 47, 92, 0.05);
  --shadow-md: 0 10px 30px rgba(9, 47, 92, 0.08);
  --shadow-lg: 0 20px 48px rgba(9, 47, 92, 0.12);
  --shadow-lift: 0 14px 36px rgba(197, 141, 35, 0.28);
  --shadow-luxury: 0 16px 36px -4px rgba(5, 22, 43, 0.08), 0 4px 12px -2px rgba(5, 22, 43, 0.04);
  --shadow-luxury-hover: 0 24px 48px -6px rgba(5, 22, 43, 0.14), 0 8px 18px -4px rgba(197, 141, 35, 0.12);
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --wrap: 1240px;
  --wrap-wide: 1240px;
  --font-serif: "Newsreader", Georgia, serif;
  --font-sans: "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* Reset & Base */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  color: var(--text);
  background: var(--white);
  font-family: var(--font-sans);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; transition: all 0.2s ease; }
img { max-width: 100%; height: auto; display: block; }
button, input, select, textarea { font-family: inherit; }

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

.wrap { width: min(calc(100% - 48px), var(--wrap)); margin-inline: auto; }
.wrap-wide { width: min(calc(100% - 48px), var(--wrap-wide)); margin-inline: auto; }

/* ---------- TOP UTILITY BAR (VERIFIED INFO ONLY) ---------- */
.top-bar {
  background: var(--navy-dark);
  color: #fff;
  font-size: 0.82rem;
  padding: 8px 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: 12px;
}
.top-bar-left {
  display: flex;
  align-items: center;
  gap: 24px;
}
.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 500;
}
.top-bar-item:hover { color: var(--gold-accent); }
.top-bar-item svg { fill: currentColor; opacity: 0.9; }
.top-bar-right {
  display: flex;
  align-items: center;
  gap: 18px;
}
.top-bar-socials {
  display: flex;
  gap: 12px;
}
.top-bar-socials a {
  color: rgba(255, 255, 255, 0.7);
  display: grid;
  place-items: center;
}
.top-bar-socials a:hover { color: var(--gold-accent); }
.top-bar-btn {
  background: var(--gold);
  color: #fff;
  padding: 5px 14px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.76rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.top-bar-btn:hover { background: var(--gold-hover); }

/* ---------- MAIN HEADER ---------- */
.main-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 4px 18px rgba(9, 47, 92, 0.03);
}
.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
}
.brand-link { display: inline-flex; align-items: center; }
.brand-logo {
  width: auto;
  height: auto;
  max-height: 54px;
  max-width: 215px;
  object-fit: contain;
  display: block;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}
.nav-link {
  padding: 8px 14px;
  color: var(--navy);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  position: relative;
  transition: all 0.2s ease;
}
.nav-link:hover, .nav-link.active {
  color: var(--navy-dark);
  background: var(--blue-light);
}
.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 14px;
  right: 14px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.header-cta-block { display: flex; align-items: center; gap: 12px; }
.header-phone-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.phone-circle-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gold-light);
  border: 1.5px solid var(--gold);
  color: var(--gold);
  display: grid;
  place-items: center;
  transition: transform 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.header-phone-badge:hover .phone-circle-icon {
  background: var(--gold);
  color: #fff;
  transform: scale(1.05);
}
.phone-copy { display: flex; flex-direction: column; }
.phone-label {
  font-size: 0.66rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  line-height: 1.1;
}
.phone-number {
  font-size: 1.02rem;
  font-weight: 850;
  color: var(--navy);
  line-height: 1.2;
}

/* ---------- HERO SECTION (PREMIUM FLORIDA WATERFRONT & COASTAL LIFESTYLE) ---------- */
.hero-wrapper {
  position: relative;
  background-color: #eaf3f8;
  background-image: url('../images/florida-waterfront-hero.webp');
  background-size: cover;
  background-repeat: no-repeat;
  background-position: left center;
  min-height: 560px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, 
    rgba(255, 255, 255, 0.98) 0%, 
    rgba(255, 255, 255, 0.94) 34%, 
    rgba(255, 255, 255, 0.76) 48%, 
    rgba(255, 255, 255, 0.30) 64%, 
    rgba(255, 255, 255, 0.05) 78%, 
    rgba(255, 255, 255, 0.0) 100%);
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 630px;
  padding: 56px 0 48px;
  margin-left: 0;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 12px;
}
.hero-h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.2rem, 3.8vw, 3.4rem);
  color: var(--navy-dark);
  font-weight: 700;
  line-height: 1.14;
  letter-spacing: -0.02em;
  margin-bottom: 18px;
}
.hero-lede {
  font-size: 1.1rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: 22px;
}
.hero-locations-row {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.hero-locations-row .sep { color: var(--gold); font-weight: 400; }
.hero-locations-row .pin-icon { color: var(--gold); margin-right: 4px; }
.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* BUTTONS */
.btn-primary-gold {
  background: var(--gold-gradient);
  color: #fff;
  min-height: 48px;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.88rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  box-shadow: 0 4px 14px rgba(197, 141, 35, 0.32), inset 0 1px 0 rgba(255, 255, 255, 0.25);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
  border: 0;
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}
.btn-primary-gold:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(197, 141, 35, 0.42);
}
.btn-primary-gold:active {
  transform: translateY(0);
  box-shadow: 0 2px 8px rgba(197, 141, 35, 0.25);
}
.btn-outline-navy {
  background: #fff;
  color: var(--navy);
  border: 1.5px solid var(--navy);
  min-height: 48px;
  padding: 13px 24px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.88rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  box-shadow: 0 2px 8px rgba(9, 47, 92, 0.06);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}
.btn-outline-navy:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(9, 47, 92, 0.2);
}
.btn-outline-navy:focus,
.btn-outline-navy:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.about-leadership-content .agency-checklist li {
  color: var(--slate-dark) !important;
}

/* ---------- TRUST STRIP (DOCKED UNDER HERO) ---------- */
.trust-strip-docked {
  position: relative;
  z-index: 10;
  margin-top: -26px;
  margin-bottom: 36px;
}
.trust-pill {
  background: var(--navy-gradient);
  border-radius: var(--radius);
  padding: 22px 30px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  box-shadow: 0 16px 40px rgba(5, 22, 43, 0.25);
  border: 1px solid rgba(197, 141, 35, 0.3);
}
.trust-col {
  display: flex;
  align-items: center;
  gap: 14px;
  position: relative;
}
.trust-col:not(:last-child)::after {
  content: "";
  position: absolute;
  right: -10px;
  top: 15%;
  height: 70%;
  width: 1px;
  background: rgba(255, 255, 255, 0.14);
}
.trust-icon-box {
  flex: 0 0 44px;
  height: 44px;
  width: 44px;
  border-radius: 50%;
  background: rgba(197, 141, 35, 0.12);
  border: 1.5px solid var(--gold);
  color: #e0aa40;
  display: grid;
  place-items: center;
  transition: transform 0.2s ease, background 0.2s ease;
}
.trust-col:hover .trust-icon-box {
  transform: scale(1.06);
  background: rgba(197, 141, 35, 0.2);
}
.trust-text b {
  display: block;
  color: #fff;
  font-size: 0.92rem;
  font-weight: 750;
  line-height: 1.25;
  margin-bottom: 2px;
}
.trust-text p {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.78rem;
  line-height: 1.35;
  margin: 0;
}

/* ---------- INSURANCE SOLUTIONS SECTION ---------- */
.section-solutions {
  padding: 56px 0 76px;
}
.section-header-center {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}
.section-header-center h2 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 3vw, 2.6rem);
  color: var(--navy-dark);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 12px;
}
.gold-bar-center {
  width: 56px;
  height: 3px;
  background: var(--gold);
  margin: 0 auto 16px;
  border-radius: 2px;
}
.section-header-center p {
  color: var(--muted);
  font-size: 1.02rem;
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 18px;
}
.solution-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 18px 22px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.25s ease, border-color 0.25s ease;
}
.solution-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3.5px;
  background: transparent;
  transition: background 0.2s ease;
}
.solution-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-luxury-hover);
  border-color: rgba(197, 141, 35, 0.4);
}
.solution-card:hover::before {
  background: linear-gradient(90deg, var(--gold), var(--gold-accent));
}
.solution-card.featured {
  border-color: rgba(197, 141, 35, 0.45);
  box-shadow: var(--shadow-md);
}
.solution-card.featured::before {
  background: linear-gradient(90deg, var(--gold), var(--gold-accent));
}
.card-focus-tag {
  background: #fdfaf3;
  color: #8f670f;
  border: 1px solid rgba(197, 141, 35, 0.35);
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 3px 10px;
  border-radius: 9999px;
  margin-bottom: 12px;
}
.card-icon-circle {
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: var(--navy);
  color: #fff;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  box-shadow: 0 6px 14px rgba(9, 47, 92, 0.12);
  transition: transform 0.25s ease, background 0.25s ease;
}
.solution-card:hover .card-icon-circle {
  background: var(--gold);
  transform: scale(1.08);
}
.solution-card h3 {
  font-family: var(--font-serif);
  font-size: 1.22rem;
  color: var(--navy-dark);
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 10px;
}
.solution-card p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.5;
  margin-bottom: 18px;
  flex: 1;
}
.card-learn-more {
  color: var(--gold);
  font-weight: 800;
  font-size: 0.80rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s ease, transform 0.2s ease;
}
.solution-card:hover .card-learn-more {
  color: var(--navy-dark);
  transform: translateX(4px);
}

/* ---------- LOCAL AGENCY + QUOTE CONVERSION SECTION ---------- */
.section-agency-quote {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-deep) 100%);
  color: #fff;
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.agency-quote-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 52px;
  align-items: center;
}
.agency-left-col {
  display: flex;
  gap: 30px;
  align-items: center;
}
.michelle-portrait-frame {
  flex: 0 0 230px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.35);
  border: 2px solid rgba(255, 255, 255, 0.15);
  background: #153252;
}
.michelle-portrait-frame img {
  width: 100%;
  height: auto;
  display: block;
}
.agency-text-content { flex: 1; }
.agency-text-content h2 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 2.7vw, 2.5rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.18;
  margin-bottom: 14px;
}
.agency-text-content p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 20px;
}
.agency-checklist {
  list-style: none;
  margin-bottom: 22px;
}
.agency-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--slate-dark);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.55;
  margin-bottom: 12px;
  text-align: left;
}
.check-gold { color: var(--gold); font-weight: 900; flex: 0 0 auto; line-height: 1.55; }
.agent-signoff {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 16px;
}
.script-name {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.7rem;
  color: var(--gold-accent);
  line-height: 1;
  margin-bottom: 4px;
}
.agent-title {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* QUOTE CARD */
.quote-card-box {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: 0 24px 60px rgba(5, 22, 43, 0.25);
  color: var(--slate-dark);
  border: 1px solid rgba(226, 232, 240, 0.8);
}
.quote-card-header {
  text-align: center;
  margin-bottom: 22px;
}
.quote-card-header h3 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  color: var(--navy-dark);
  font-weight: 700;
  margin-bottom: 6px;
}
.quote-card-header p {
  font-size: 0.86rem;
  color: var(--muted);
}
.quote-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.form-group {
  display: flex;
  flex-direction: column;
}
.form-label {
  font-size: 0.76rem;
  font-weight: 750;
  color: var(--navy-dark);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
}
.form-input, .form-select {
  width: 100%;
  min-height: 48px;
  padding: 11px 15px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.90rem;
  background: #fbfcfe;
  color: var(--text);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.form-input:focus, .form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(197, 141, 35, 0.15);
  background: #fff;
}
.btn-submit-quote {
  width: 100%;
  min-height: 52px;
  background: var(--gold-gradient);
  color: #fff;
  border: 0;
  padding: 15px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  cursor: pointer;
  box-shadow: 0 6px 20px rgba(197, 141, 35, 0.32);
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
  margin-top: 8px;
}
.btn-submit-quote:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(197, 141, 35, 0.45);
}
.quote-lock-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.76rem;
  color: var(--muted);
  margin-top: 14px;
  text-align: center;
}

/* ---------- VERIFIED REVIEWS SECTION ---------- */
.section-reviews {
  padding: 68px 0;
  background: #fff;
}
.reviews-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  max-width: 980px;
  margin: 0 auto;
}
.review-panel {
  border: 1px solid rgba(226, 232, 240, 0.85);
  border-radius: var(--radius);
  padding: 32px 28px;
  background: #fff;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.review-panel:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-luxury-hover);
  border-color: rgba(197, 141, 35, 0.35);
}
.review-stars {
  color: #d49e35;
  font-size: 1.15rem;
  margin-bottom: 14px;
  letter-spacing: 3px;
}
.review-quote {
  font-family: var(--font-serif);
  font-size: 1.12rem;
  line-height: 1.65;
  color: var(--navy-dark);
  font-style: italic;
  margin-bottom: 22px;
  flex: 1;
}
.review-author-row {
  border-top: 1px solid var(--border);
  padding-top: 14px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.review-author-name {
  font-weight: 800;
  color: var(--navy);
  font-size: 0.94rem;
}
.review-author-badge {
  background: #fdfaf3;
  border: 1px solid rgba(197, 141, 35, 0.35);
  border-radius: 9999px;
  padding: 3px 10px;
  font-size: 0.72rem;
  font-weight: 750;
  text-transform: uppercase;
  color: #8f670f;
  letter-spacing: 0.04em;
}

/* ---------- EDUCATIONAL GUIDE TEASER SECTION ---------- */
.section-guide-teaser {
  background: var(--light-bg);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 64px 0;
}
.guide-teaser-inner {
  display: flex;
  align-items: center;
  gap: 48px;
  max-width: 1040px;
  margin: 0 auto;
}
.guide-teaser-cover {
  flex: 0 0 200px;
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: 0 10px 24px rgba(9, 47, 92, 0.14);
}
.guide-teaser-copy { flex: 1; }
.guide-teaser-copy h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 2.6vw, 2.3rem);
  color: var(--navy-dark);
  margin-bottom: 12px;
}
.guide-teaser-copy p {
  font-size: 0.96rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: 22px;
}

/* ---------- FOOTER CONTACT RIBBON (VERIFIED INFORMATION ONLY) ---------- */
.footer-contact-ribbon {
  background: var(--navy-dark);
  color: #fff;
  padding: 22px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.ribbon-grid {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}
.ribbon-contacts {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}
.ribbon-item {
  display: flex;
  align-items: center;
  gap: 12px;
}
.ribbon-icon-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1.5px solid var(--gold);
  color: var(--gold);
  display: grid;
  place-items: center;
  flex: 0 0 38px;
}
.ribbon-text b {
  display: block;
  font-size: 0.86rem;
  color: #fff;
  line-height: 1.25;
}
.ribbon-text small {
  display: block;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold);
}
.ribbon-actions {
  display: flex;
  gap: 12px;
}
.ribbon-btn-gold {
  background: var(--gold);
  color: #fff;
  min-height: 42px;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.8rem;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
}
.ribbon-btn-gold:hover { background: var(--gold-hover); }
.ribbon-btn-outline {
  border: 1.5px solid var(--gold);
  color: var(--gold);
  min-height: 42px;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.8rem;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
}
.ribbon-btn-outline:hover { background: var(--gold); color: #fff; }

/* ---------- MAIN FOOTER ---------- */
.main-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.75);
  padding: 52px 0 28px;
  font-size: 0.86rem;
}
.footer-cols {
  display: grid;
  grid-template-columns: 1.3fr repeat(3, 1fr);
  gap: 36px;
  margin-bottom: 44px;
}
/* ---------- FOOTER BRAND LOGO (FSIG + JOHN GALT CO-BRAND) ---------- */
.footer-brand-logo-badge {
  display: inline-block;
  background: transparent;
  padding: 0;
  border-radius: 0;
  box-shadow: none;
  max-width: 220px;
  width: 100%;
  box-sizing: border-box;
}
.footer-brand-logo-badge img,
.footer-brand-logo-img {
  display: block;
  width: 100%;
  height: auto !important;
  aspect-ratio: 1024 / 682;
  object-fit: contain;
  filter: none !important;
}
.footer-brand p {
  margin-top: 14px;
  line-height: 1.6;
  max-width: 320px;
  font-size: 0.84rem;
}
/* ---------- FOOTER AFFILIATION (JOHN GALT) ---------- */
.footer-affiliation {
  margin-top: 18px;
  max-width: 320px;
}
.footer-affiliation-powered {
  font-size: 0.82rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.75);
  margin: 0;
}
.footer-affiliation-link {
  color: #9fc4e0;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(159, 196, 224, 0.45);
  font-weight: 500;
  transition: color 0.2s ease, text-decoration-color 0.2s ease;
}
.footer-affiliation-link:hover {
  color: #ffffff;
  text-decoration-color: #ffffff;
}
.footer-affiliation-link:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  border-radius: 2px;
}
.footer-affiliation-disclosure {
  font-size: 0.72rem;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.62);
  font-style: italic;
  margin-top: 4px;
  margin-bottom: 0;
}
.footer-col h4 {
  color: #fff;
  font-size: 0.92rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a:hover { color: var(--gold-accent); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.78rem;
}

/* ==========================================
   RESPONSIVE DESIGN BREAKPOINTS
   ========================================== */

/* TABLET (1024px) */
@media (max-width: 1024px) {
  .solutions-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .trust-pill { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .trust-col:nth-child(2)::after { display: none; }
  .agency-quote-grid { grid-template-columns: 1fr; gap: 44px; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
}

/* SMALL TABLET (768px) */
@media (max-width: 768px) {
  .top-bar { display: none; }
  .nav-menu { display: none; }
  .phone-copy { display: none; }
  .brand-logo { height: 44px; }
  
  .hero-scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, 
    rgba(255, 255, 255, 0.98) 0%, 
    rgba(255, 255, 255, 0.94) 35%, 
    rgba(255, 255, 255, 0.76) 50%, 
    rgba(255, 255, 255, 0.30) 66%, 
    rgba(255, 255, 255, 0.05) 80%, 
    rgba(255, 255, 255, 0.0) 100%);
  pointer-events: none;
}
  .hero-content {
  position: relative;
  z-index: 2;
  max-width: 630px;
  padding: 56px 0 48px;
  margin-left: 0;
}
  .hero-h1 { font-size: 2rem; line-height: 1.2; }
  
  .trust-pill { grid-template-columns: 1fr; gap: 16px; }
  .trust-col::after { display: none; }
  
  .solutions-grid {
    grid-template-columns: 1fr !important;
    max-width: 440px !important;
    margin: 0 auto !important;
    gap: 18px !important;
  }
  .quote-form-grid {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }
  .hero-actions {
    flex-direction: column !important;
    width: 100% !important;
    gap: 10px !important;
  }
  .btn-primary-gold, .btn-outline-navy {
    width: 100% !important;
    justify-content: center !important;
  }
  
  .agency-left-col { flex-direction: column; text-align: center; }
  .michelle-portrait-frame { flex: 0 0 auto; max-width: 200px; margin: 0 auto; }
  .agency-left-col .agency-checklist li { justify-content: center; }
  
  .guide-teaser-inner { flex-direction: column; text-align: center; gap: 24px; }
  .guide-teaser-cover { max-width: 180px; margin: 0 auto; }
  
  .reviews-grid-2 { grid-template-columns: 1fr; }
  .ribbon-grid { flex-direction: column; text-align: center; gap: 18px; }
  .ribbon-contacts { flex-direction: column; gap: 14px; }
  .ribbon-actions { width: 100%; justify-content: center; }
}

/* MOBILE (480px and down) */
@media (max-width: 480px) {
  .wrap, .wrap-wide {
    width: calc(100% - 32px) !important;
  }
  .header-inner { padding: 10px 0; }
  .brand-logo { height: 38px; }
  
  .hero-content {
  position: relative;
  z-index: 2;
  max-width: 630px;
  padding: 56px 0 48px;
  margin-left: 0;
}
  .hero-h1 {
    font-size: 1.52rem !important;
    line-height: 1.22 !important;
    word-break: normal !important;
    overflow-wrap: break-word !important;
    letter-spacing: -0.01em !important;
    margin-bottom: 14px !important;
  }
  .hero-lede {
    font-size: 0.92rem !important;
    line-height: 1.55 !important;
    margin-bottom: 18px !important;
  }
  .hero-locations-row {
    font-size: 0.8rem !important;
    margin-bottom: 22px !important;
  }
  .hero-actions {
    flex-direction: column;
    width: 100%;
    gap: 10px;
  }
  .btn-primary-gold, .btn-outline-navy {
    width: 100%;
    justify-content: center;
  }
  
  .trust-strip-docked { margin-top: -16px; margin-bottom: 28px; }
  .trust-pill { padding: 16px 18px; }
  
  .section-solutions { padding: 44px 0 56px; }
  .section-header-center { margin-bottom: 32px; }
  .section-header-center h2 {
    font-size: 1.48rem !important;
    line-height: 1.25 !important;
    word-break: break-word !important;
  }
  .solutions-grid {
    grid-template-columns: 1fr !important;
    max-width: 360px !important;
    margin: 0 auto !important;
    gap: 16px;
  }
  .solution-card {
    padding: 24px 18px !important;
  }
  
  .section-agency-quote { padding: 56px 0; }
  .quote-card-box {
    padding: 24px 16px !important;
    border-radius: var(--radius);
  }
  .quote-card-header h3 { font-size: 1.38rem !important; }
  .quote-form-grid { grid-template-columns: 1fr !important; gap: 10px; }
  
  .footer-cols { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ULTRA-SMALL MOBILE (320px-360px) */
@media (max-width: 360px) {
  .hero-h1 { font-size: 1.4rem !important; }
  .brand-logo { height: 34px; }
  .quote-card-box { padding: 20px 12px !important; }
}

.section-agency-quote .agency-checklist li {
  color: #ffffff !important;
}

@media (max-width: 480px) {
  .hero-locations-row {
    flex-wrap: wrap !important;
    line-height: 1.4 !important;
    font-size: 0.8rem !important;
  }
  .hero-h1 {
    font-size: 1.45rem !important;
    line-height: 1.2 !important;
    overflow-wrap: break-word !important;
    word-break: normal !important;
  }
}

/* ==========================================================================
   DROPDOWN MENUS (DESKTOP)
   ========================================================================== */
.nav-item { position: relative; }
.nav-item.has-dropdown:hover .dropdown-menu,
.nav-item.has-dropdown:focus-within .dropdown-menu {
  display: block;
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu {
  display: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 275px;
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: var(--shadow-luxury);
  border-radius: var(--radius);
  padding: 10px 0;
  z-index: 250;
  list-style: none;
  overflow: hidden;
}
.dropdown-menu li { margin: 0; }
.dropdown-link {
  display: block;
  padding: 10px 20px;
  color: var(--navy);
  font-size: 0.86rem;
  font-weight: 650;
  text-transform: none;
  letter-spacing: 0;
  border-left: 3px solid transparent;
  transition: all 0.18s ease;
}
.dropdown-link:hover {
  background: var(--ivory);
  color: var(--navy-dark);
  padding-left: 24px;
  border-left-color: var(--gold);
}
.dropdown-link small {
  display: block;
  font-size: 0.72rem;
  color: var(--muted);
  font-weight: normal;
  margin-top: 2px;
}

/* ==========================================================================
   MOBILE NAVIGATION DRAWER & TOGGLE
   ========================================================================== */
.mobile-nav-toggle {
  display: none;
  background: transparent;
  border: 0;
  cursor: pointer;
  padding: 8px;
  color: var(--navy);
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
}
.mobile-nav-toggle:hover {
  background: var(--blue-light);
}
.mobile-nav-toggle svg {
  display: block;
  width: 24px;
  height: 24px;
}

.mobile-nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(5, 22, 43, 0.65);
  backdrop-filter: blur(4px);
  z-index: 998;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.28s ease;
}
.mobile-nav-overlay.is-open {
  opacity: 1;
  pointer-events: auto;
}

.mobile-nav-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(320px, 86vw);
  background: #ffffff;
  z-index: 999;
  box-shadow: -10px 0 40px rgba(0, 0, 0, 0.25);
  transform: translateX(100%);
  visibility: hidden;
  pointer-events: none;
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.3s;
  display: none;
  flex-direction: column;
  overflow-y: auto;
}
.mobile-nav-drawer.is-open {
  display: flex;
  transform: translateX(0);
  visibility: visible;
  pointer-events: auto;
}
.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
}
.drawer-logo {
  width: auto;
  height: auto;
  max-height: 44px;
  max-width: 175px;
  object-fit: contain;
  display: block;
}
.drawer-close-btn {
  background: transparent;
  border: 0;
  font-size: 1.5rem;
  color: var(--navy);
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 4px;
}
.drawer-menu {
  list-style: none;
  padding: 16px 0;
  flex: 1;
}
.drawer-menu li { margin: 0; }
.drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 24px;
  color: var(--navy-dark);
  font-weight: 700;
  font-size: 0.94rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  border-bottom: 1px solid rgba(226, 232, 240, 0.6);
}
.drawer-link:hover {
  background: var(--blue-light);
  color: var(--navy);
}
.drawer-sub-group {
  background: #f8fafc;
  padding: 6px 0;
  border-bottom: 1px solid var(--border);
}
.drawer-sub-link {
  display: block;
  padding: 8px 24px 8px 36px;
  color: var(--navy);
  font-size: 0.85rem;
  font-weight: 600;
}
.drawer-sub-link:hover {
  color: var(--gold);
}
.drawer-footer {
  padding: 20px 24px;
  border-top: 1px solid var(--border);
  background: #f8fafc;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

@media (max-width: 768px) {
  .mobile-nav-toggle { display: inline-flex; }
}

/* ==========================================================================
   BREADCRUMBS
   ========================================================================== */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 750;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 14px;
  flex-wrap: wrap;
}
.breadcrumbs a { color: var(--navy); }
.breadcrumbs a:hover { color: var(--gold); }
.breadcrumbs span.sep { color: var(--gold); font-weight: normal; }

/* ==========================================================================
   FAQ ACCORDIONS
   ========================================================================== */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  max-width: 920px;
  margin: 0 auto;
}
details.faq-item {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 24px;
  box-shadow: var(--shadow-sm);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
details.faq-item[open] {
  border-color: rgba(197, 141, 35, 0.4);
  box-shadow: var(--shadow-md);
}
summary.faq-question {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 750;
  color: var(--navy-dark);
  font-size: 1.05rem;
  user-select: none;
}
summary.faq-question::-webkit-details-marker { display: none; }
.faq-chevron {
  flex: 0 0 20px;
  width: 20px;
  height: 20px;
  color: var(--gold);
  transition: transform 0.22s ease;
}
details.faq-item[open] .faq-chevron {
  transform: rotate(180deg);
}
.faq-answer {
  margin-top: 14px;
  color: var(--text);
  line-height: 1.65;
  font-size: 0.94rem;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.faq-answer p:not(:last-child) {
  margin-bottom: 10px;
}

/* ==========================================================================
   COVERAGE CALCULATOR STYLING
   ========================================================================== */
.calc-container {
  max-width: 780px;
  margin: 0 auto;
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 38px 32px;
  box-shadow: var(--shadow-luxury);
}
.calc-progress-nav {
  margin-bottom: 30px;
}
.calc-progress-list {
  display: flex;
  justify-content: space-between;
  list-style: none;
  padding: 0;
  margin: 0 0 14px;
  position: relative;
}
.calc-progress-list li {
  flex: 1;
  text-align: center;
}
.calc-progress-list li button {
  background: transparent;
  border: 0;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  width: 100%;
}
.calc-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--border);
  background: #ffffff;
  color: var(--muted);
  font-weight: 800;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
  transition: all 0.2s ease;
}
.calc-step-title {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: color 0.2s ease;
}
.calc-progress-list li.active .calc-dot {
  border-color: var(--gold);
  background: var(--gold-gradient);
  color: #fff;
  box-shadow: 0 4px 14px rgba(197, 141, 35, 0.4);
}
.calc-progress-list li.active .calc-step-title {
  color: var(--navy-dark);
  font-weight: 800;
}
.calc-progress-list li.completed .calc-dot {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}
.calc-progress-bar {
  height: 5px;
  background: #edf2f7;
  border-radius: 3px;
  overflow: hidden;
}
.calc-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transition: width 0.3s ease;
}
.segmented-control {
  display: inline-flex;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  background: #f8fafc;
}
.segmented-control button {
  border: 0;
  padding: 10px 22px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  background: transparent;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease;
}
.segmented-control button.selected,
.segmented-control button[aria-checked="true"] {
  background: var(--navy);
  color: #ffffff;
}
.stepper-control {
  display: inline-flex;
  align-items: center;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.stepper-control button {
  width: 44px;
  height: 44px;
  border: 0;
  background: #f8fafc;
  color: var(--navy);
  font-size: 1.3rem;
  font-weight: 700;
  cursor: pointer;
  display: grid;
  place-items: center;
  transition: background 0.15s ease;
}
.stepper-control button:hover {
  background: var(--border);
}
.stepper-control input {
  width: 58px;
  height: 44px;
  border: 0;
  text-align: center;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy-dark);
  background: #ffffff;
  outline: none;
}
.calc-nav-buttons {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

/* ==========================================================================
   GRID CAROUSEL / REVIEWS EXPANSION
   ========================================================================== */
.reviews-grid-3 {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}


/* ==========================================================================
   MASTER RESPONSIVE SYSTEM (0 OVERFLOW, 0 CLIPPING, 100% WCAG AA CONTRAST)
   ========================================================================== */

/* Prevent ANY horizontal page blowouts */
html, body {
  overflow-x: hidden;
  max-width: 100%;
}

@media (max-width: 1200px) {
  .solutions-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 1024px) {
  .hero-wrapper {
    background-image: url('../images/florida-waterfront-hero-1920.webp');
    background-position: 25% center;
    min-height: 520px;
  }
  .hero-scrim {
    background: linear-gradient(90deg, 
      rgba(255, 255, 255, 0.98) 0%, 
      rgba(255, 255, 255, 0.94) 50%, 
      rgba(255, 255, 255, 0.70) 70%, 
      rgba(255, 255, 255, 0.20) 88%, 
      rgba(255, 255, 255, 0.0) 100%);
  }
  .trust-pill {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
  }
  .trust-col:not(:last-child)::after {
    display: none;
  }
  .agency-quote-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 768px) {
  .wrap, .wrap-wide {
    width: calc(100% - 36px);
  }
  .hero-wrapper {
    background-image: url('../images/florida-waterfront-hero-1200.webp');
    background-position: center top;
    min-height: auto;
    padding: 36px 0 44px;
  }
  .hero-content {
    max-width: 100%;
    padding: 16px 0;
  }
  .hero-scrim {
    background: linear-gradient(180deg, 
      rgba(255, 255, 255, 0.98) 0%, 
      rgba(255, 255, 255, 0.94) 55%, 
      rgba(255, 255, 255, 0.88) 85%, 
      rgba(255, 255, 255, 0.75) 100%);
  }
  .trust-pill {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    padding: 18px 20px;
  }
  .trust-col:not(:last-child)::after {
    display: none;
  }
  .solutions-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .reviews-grid-2, .reviews-grid-3 {
    grid-template-columns: 1fr;
  }
  .agency-left-col {
    flex-direction: column;
    text-align: center;
  }
  .michelle-portrait-frame {
    margin: 0 auto;
  }
  .agency-left-col .agency-checklist li {
    justify-content: center;
  }
  .agent-signoff {
    text-align: center;
  }
}

@media (max-width: 480px) {
  .wrap, .wrap-wide {
    width: calc(100% - 28px);
  }
  .hero-wrapper {
    background-image: url('../images/florida-waterfront-hero-768.webp');
    background-position: center top;
    padding: 28px 0 36px;
  }
  .hero-h1 {
    font-size: clamp(1.75rem, 6.5vw, 2.1rem);
    line-height: 1.18;
    margin-bottom: 14px;
    word-break: normal;
    overflow-wrap: break-word;
  }
  .hero-lede {
    font-size: 0.96rem;
    line-height: 1.55;
    margin-bottom: 18px;
    overflow-wrap: break-word;
  }
  .hero-locations-row {
    font-size: 0.82rem;
    gap: 8px;
    margin-bottom: 22px;
  }
  .hero-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
    width: 100%;
  }
  .hero-actions .btn-primary-gold,
  .hero-actions .btn-outline-navy {
    width: 100%;
    text-align: center;
    padding: 14px 20px;
    font-size: 0.86rem;
  }
  .trust-pill {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 16px;
  }
  .trust-col:not(:last-child)::after {
    display: none;
  }
  .solutions-grid {
    grid-template-columns: 1fr;
  }
  .quote-form-grid {
    grid-template-columns: 1fr;
  }
  .calc-container [style*="grid-template-columns:1fr 1fr"],
  .calc-container [style*="grid-template-columns: 1fr 1fr"] {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }
  .calc-nav-buttons {
    flex-direction: column !important;
    gap: 12px !important;
  }
  .calc-nav-buttons button {
    width: 100% !important;
    justify-content: center !important;
  }
  .segmented-control {
    display: flex !important;
    flex-wrap: wrap !important;
    width: 100% !important;
  }
  .segmented-control button {
    flex: 1 1 auto !important;
    min-width: 80px !important;
    text-align: center !important;
    padding: 10px 12px !important;
  }
}

@media (max-width: 640px) {
  .calc-container {
    padding: 24px 18px !important;
  }
  .calc-step-title {
    display: none !important;
  }
  .calc-dot {
    width: 38px !important;
    height: 38px !important;
    font-size: 0.95rem !important;
  }
  .calc-progress-nav {
    margin-bottom: 22px !important;
  }
  .calc-progress-list li button {
    gap: 0 !important;
  }
}

@media (max-width: 360px) {
  .wrap, .wrap-wide {
    width: calc(100% - 20px);
  }
  .hero-h1 {
    font-size: 1.6rem;
  }
  .hero-lede {
    font-size: 0.90rem;
  }
  .hero-locations-row {
    font-size: 0.76rem;
  }
}

@media (max-width: 320px) {
  .hero-wrapper {
    padding: 20px 0 28px;
  }
  .hero-h1 {
    font-size: 1.48rem;
  }
  .hero-lede {
    font-size: 0.85rem;
  }
}


/* Standard Hero Inner Container & Grid System */
.hero-wrapper > .wrap-wide,
.hero-wrapper > .wrap {
  position: relative;
  z-index: 2;
  width: min(calc(100% - 48px), var(--wrap-wide));
  margin-inline: auto;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 640px;
  padding: 52px 0 44px;
}

.hero-content .breadcrumbs {
  margin-bottom: 12px;
}

.hero-content .card-focus-tag {
  display: inline-block;
  margin-bottom: 12px;
}

.hero-content .hero-eyebrow {
  margin-bottom: 12px;
}


/* ==========================================================================
   ROADMAP A: PREP HELPER, PROCESS TRANSPARENCY, CONTACT TRIAD
   ========================================================================== */

/* 1. What to Have Handy Preparation Card */
.quote-prep-card {
  background: #f8fafc;
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 24px 26px;
  margin-bottom: 24px;
}
.prep-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}
.prep-icon {
  font-size: 1.25rem;
}
.prep-header h4 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy-dark);
  font-weight: 700;
  margin: 0;
}
.prep-desc {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.5;
  margin-bottom: 16px;
}
.prep-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.prep-item {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.prep-item b {
  font-size: 0.84rem;
  color: var(--navy-dark);
  font-weight: 750;
}
.prep-item span {
  font-size: 0.78rem;
  color: var(--text);
  line-height: 1.4;
}

/* 2. What Happens After You Request a Quote */
.quote-process-card {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  margin-top: 36px;
  box-shadow: var(--shadow-sm);
}
.process-header {
  text-align: center;
  max-width: 580px;
  margin: 0 auto 28px;
}
.process-header h3 {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  color: var(--navy-dark);
  font-weight: 700;
  margin-bottom: 6px;
}
.process-header p {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.5;
}
.process-steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.process-step {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
}
.step-badge {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--navy-dark);
  color: var(--gold);
  border: 2px solid var(--gold);
  font-weight: 800;
  font-size: 0.92rem;
  display: grid;
  place-items: center;
  margin-bottom: 12px;
  box-shadow: 0 4px 12px rgba(9, 47, 92, 0.15);
}
.process-step b {
  display: block;
  font-size: 0.90rem;
  color: var(--navy-dark);
  font-weight: 750;
  margin-bottom: 6px;
}
.process-step p {
  font-size: 0.80rem;
  color: var(--muted);
  line-height: 1.45;
  margin: 0;
}

/* 3. Contact Choice Triad Grid */
.contact-triad-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 40px;
}
.contact-triad-card {
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.85);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.25s ease, border-color 0.25s ease;
}
.contact-triad-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-luxury-hover);
  border-color: rgba(197, 141, 35, 0.4);
}
.triad-icon-box {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, #fdfaf3 0%, #f7eed8 100%);
  border: 1.5px solid rgba(197, 141, 35, 0.25);
  color: #b88015;
  display: grid;
  place-items: center;
  margin-bottom: 16px;
  box-shadow: 0 4px 12px rgba(197, 141, 35, 0.12);
  transition: transform 0.25s ease;
}
.contact-triad-card:hover .triad-icon-box {
  transform: scale(1.08);
}
.contact-triad-card h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy-dark);
  font-weight: 700;
  margin-bottom: 8px;
}
.contact-triad-card p {
  font-size: 0.86rem;
  color: var(--muted);
  line-height: 1.5;
  margin-bottom: 20px;
  flex: 1;
}

@media (max-width: 768px) {
  .prep-grid {
    grid-template-columns: 1fr;
  }
  .process-steps-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
  }
  .contact-triad-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
}
@media (max-width: 480px) {
  .process-steps-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }
  .quote-process-card {
    padding: 26px 18px;
  }
  .quote-prep-card {
    padding: 20px 16px;
  }
}


/* ==========================================================================
   APPROVED FSIG BEACH HERO SHOWCASE (NEW BRAND ARTWORK + EDITORIAL DOCK)
   ========================================================================== */
.home-hero-showcase {
  background: linear-gradient(180deg, #f8fafc 0%, #faf8f5 50%, #ffffff 100%);
  padding: 36px 0 44px;
  border-bottom: 1px solid var(--border);
}
.hero-visual-frame {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto 32px;
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 16px 44px rgba(9, 47, 92, 0.08);
  border: 1px solid rgba(223, 229, 231, 0.85);
  background: #ffffff;
}
.hero-artwork-img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}
.hero-editorial-dock {
  max-width: 880px;
  margin: 0 auto;
  text-align: center;
}
.hero-editorial-dock .hero-eyebrow {
  justify-content: center;
  margin-bottom: 14px;
}
.hero-editorial-dock .hero-h1 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 3.4vw, 2.85rem);
  color: var(--navy-dark);
  margin-bottom: 14px;
  line-height: 1.18;
  font-weight: 750;
  letter-spacing: -0.02em;
}
.hero-editorial-dock .hero-lede {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.65;
  max-width: 740px;
  margin: 0 auto 18px;
}
.hero-editorial-dock .hero-locations-row {
  justify-content: center;
  margin-bottom: 24px;
}
.hero-editorial-dock .hero-actions {
  justify-content: center;
  margin-bottom: 8px;
}

@media (max-width: 768px) {
  .home-hero-showcase {
    padding: 16px 0 32px;
  }
  .hero-visual-frame {
    border-radius: 10px;
    margin-bottom: 22px;
  }
  .hero-editorial-dock {
    text-align: left;
  }
  .hero-editorial-dock .hero-eyebrow {
    justify-content: flex-start;
  }
  .hero-editorial-dock .hero-h1 {
    font-size: 1.7rem;
    line-height: 1.22;
  }
  .hero-editorial-dock .hero-lede {
    font-size: 0.94rem;
    line-height: 1.55;
  }
  .hero-editorial-dock .hero-locations-row {
    justify-content: flex-start;
    flex-direction: column;
    gap: 4px;
    align-items: flex-start;
  }
  .hero-editorial-dock .hero-locations-row .sep {
    display: none;
  }
  .hero-editorial-dock .hero-actions {
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }
  .hero-editorial-dock .hero-actions a {
    width: 100%;
    justify-content: center;
  }
}


/* ==========================================================================
   HOMEPAGE BEACH HERO (NEW 16:10 ARTWORK - OBJECT-FIT: COVER, NO TRANSFORM)
   ========================================================================== */
.hero-wrapper.hero-home-beach {
  background-image: none !important;
  background-color: #ffffff;
  position: relative;
  min-height: 720px;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding: 70px 0 115px;
}

@media (min-width: 1440px) {
  .hero-wrapper.hero-home-beach {
    min-height: 740px;
    background-image: none !important;
  }
}

.hero-bg-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
}

.hero-bg-media img,
.hero-bg-media picture {
  width: 100%;
  height: 100%;
  display: block;
}

.hero-bg-media img {
  object-fit: cover;
  object-position: center center;
  transform: none;
}

/* Subtle light fade: NOT solid white, photograph remains fully visible */
.hero-home-beach .hero-scrim {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background: linear-gradient(90deg, 
    rgba(255, 255, 255, 0.35) 0%, 
    rgba(255, 255, 255, 0.20) 24%, 
    rgba(255, 255, 255, 0.06) 38%, 
    rgba(255, 255, 255, 0.00) 48%
  );
}

.hero-home-beach .wrap-wide {
  position: relative;
  z-index: 2;
  width: min(calc(100% - 48px), var(--wrap-wide, 1240px));
  margin-inline: auto;
}

.hero-home-beach .hero-content {
  max-width: 520px;
  margin-left: 0;
  text-align: left;
}

/* Header brand logo */
.brand-logo {
  width: auto;
  height: auto;
  max-height: 54px;
  max-width: 215px;
  object-fit: contain;
  display: block;
}

@media (max-width: 1200px) {
  .hero-wrapper.hero-home-beach {
    min-height: 680px;
    padding: 55px 0 105px;
  }
  .hero-home-beach .hero-content {
    max-width: 480px;
  }
}

@media (max-width: 1024px) {
  .hero-wrapper.hero-home-beach {
    min-height: 650px;
    padding: 50px 0 95px;
  }
  .hero-home-beach .hero-scrim {
    background: linear-gradient(90deg, 
      rgba(255, 255, 255, 0.45) 0%, 
      rgba(255, 255, 255, 0.30) 26%, 
      rgba(255, 255, 255, 0.10) 40%, 
      rgba(255, 255, 255, 0.00) 52%
    );
  }
  .hero-home-beach .hero-content {
    max-width: 460px;
  }
}

@media (max-width: 768px) {
  .hero-wrapper.hero-home-beach {
    min-height: auto;
    padding: 36px 0 76px;
  }
  .hero-bg-media img {
    object-position: center top;
    transform: none;
  }
  .hero-home-beach .hero-scrim {
    background: linear-gradient(180deg, 
      rgba(255, 255, 255, 0.88) 0%, 
      rgba(255, 255, 255, 0.80) 58%, 
      rgba(255, 255, 255, 0.45) 82%, 
      rgba(255, 255, 255, 0.10) 100%
    );
  }
  .hero-home-beach .hero-content {
    max-width: 100%;
  }
  .hero-home-beach .hero-actions {
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }
  .hero-home-beach .hero-actions a {
    width: 100%;
    justify-content: center;
  }
}

/* Final chrome sizing for the complete approved logo, including its tagline. */
.brand-logo {
  width: min(280px, 24vw);
  height: auto;
  max-width: 280px;
  max-height: none;
}
.drawer-logo {
  width: 230px;
  height: auto;
  max-width: calc(100% - 52px);
  max-height: none;
}
.main-footer .footer-brand img {
  width: 280px;
  max-width: 100%;
  height: auto !important;
  filter: none !important;
}
.hurricane-takeaways li {
  align-items: flex-start;
}
.hurricane-takeaways li > div {
  min-width: 0;
}
.hurricane-takeaways li b {
  display: block;
  color: var(--navy-dark);
  margin-bottom: 3px;
}

@media (max-width: 1100px) {
  .nav-menu { display: none; }
  .mobile-nav-toggle { display: inline-flex; }
  .phone-copy { display: none; }
  .brand-logo { width: 250px; }
}

@media (max-width: 480px) {
  .brand-logo { width: 210px; height: auto; }
}

@media (max-width: 360px) {
  .brand-logo { width: 185px; height: auto; }
}
/* Focused accessibility corrections for the approved compositions. */
:root { --gold: #88600f; --gold-hover: #73500b; --muted: #52647a; }
.btn-primary-gold, .btn-submit-quote { color: #05162b; }
.btn-primary-gold:hover, .btn-submit-quote:hover { color: #05162b; }
.hero-home-beach .hero-scrim { background: linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.94) 43%,rgba(255,255,255,.3) 76%); }
.hero-home-beach .hero-bg-img { object-position: 65% center; }
.hero-home-beach .hero-content { max-width: 560px; }
.footer-title { color: #fff; font-weight: 700; margin-bottom: 18px; font-size: 1rem; }
.prep-title { font-weight: 700; color: var(--navy-dark); }
[data-fsig-form-fields] { border: 0; padding: 0; margin: 0; min-width: 0; }
.fsig-honeypot { position:absolute; width:1px; height:1px; overflow:hidden; clip-path:inset(50%); }
.form-privacy { font-size: .85rem; line-height: 1.6; margin-top: 16px; color: var(--muted); }
.form-privacy a { color: var(--navy); text-decoration: underline; }
.field-error { color: #a01820; margin-top: 6px; font-size: .875rem; }
.form-submit-status:not(:empty) { padding: 14px; margin-top: 16px; border: 2px solid var(--navy); border-radius: 8px; color: var(--navy-dark); background:#fff; }
.form-input, .form-select { border-color: #7b8796; }
[aria-invalid="true"] { border: 2px solid #a01820; }
:focus-visible { outline: 3px solid #1267b1; outline-offset: 3px; box-shadow: 0 0 0 2px white; }
.has-dropdown { display: flex; align-items: center; }
.dropdown-toggle { min-width:32px; min-height:44px; border:0; background:transparent; color:var(--navy); font:inherit; cursor:pointer; }
.nav-item.has-dropdown:hover .dropdown-menu, .nav-item.has-dropdown:focus-within .dropdown-menu { visibility:hidden; opacity:0; pointer-events:none; }
.nav-item.has-dropdown.is-open .dropdown-menu { display:block; visibility:visible; opacity:1; pointer-events:auto; transform:translateY(0); }
.stepper-control output { display:inline-block; min-width:40px; text-align:center; font:700 1.1rem var(--font-sans); color:var(--navy); }
.segmented-control button[aria-pressed="true"] { outline:2px solid var(--navy); outline-offset:2px; font-weight:700; }
.top-bar-left > a[href^="tel:"] { display:none; }
.about-leadership-content .agency-checklist li { color:var(--slate-dark) !important; }
@media (max-width: 768px) {
  .hero-home-beach .hero-scrim { background:rgba(255,255,255,.93); }
  .hero-home-beach .hero-content { max-width:100%; }
  .stepper-control { gap:4px; }
  .stepper-control button { min-width:36px; min-height:44px; }
  .segmented-control { flex-wrap:wrap; gap:8px; }
  .segmented-control button { min-height:44px; }
  .quote-card-box { padding:24px 18px !important; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior:auto; } *,*::before,*::after { transition:none !important; animation:none !important; } }


[hidden] { display:none !important; }
.coverage-preparation { padding:48px 0; background:var(--light-bg); }
.coverage-preparation .wrap { max-width:900px; }
.coverage-preparation h2 { margin:24px 0 12px; color:var(--navy-dark); font-family:var(--font-serif); }
.coverage-preparation p { margin-bottom:20px; line-height:1.7; }
.coverage-preparation summary { cursor:pointer; padding:16px 0; font-weight:700; }
.trust-icon, .ribbon-icon-circle, .check-gold { color:var(--gold-accent); }
.ribbon-text small, .ribbon-btn-outline { color: #e5b94f; }
.quote-process-card h2 { color:var(--navy-dark); font-family:var(--font-serif); font-size:1.5rem; margin-bottom:10px; }
.process-step .step-number, .step-num { color:#e5b94f; }
.footer-brand-name { color:#fff; font-weight:700; font-family:var(--font-serif); font-size:1.3rem; margin-bottom:16px; }