/* ==========================================================
   FRANK SMITH INSURANCE & REAL ESTATE
   ========================================================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #0f2c5b;
  --navy2:   #173b75;
  --navy3:   #1f4d92;
  --teal:    #176358;
  --teal2:   #2a8579;
  --gold:    #e6bf4a;
  --cream:   #faf6ec;
  --off:     #f4f1ea;
  --white:   #ffffff;
  --gray:    #5b6470;
  --gray-l:  #e3e6eb;
  --text:    #14181f;

  --font-serif: 'Cormorant Garamond', Georgia, serif;
  --font-sans:  'Inter', system-ui, sans-serif;
  --radius: 8px;
  --shadow:    0 4px 24px rgba(15,44,91,.10);
  --shadow-lg: 0 18px 56px rgba(15,44,91,.20);
  --tr: .28s cubic-bezier(.4,0,.2,1);
}

html { scroll-behavior: smooth; }
body { font-family: var(--font-sans); color: var(--text); background: var(--white); }
.page-wrap { width: 100%; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section-light { background: var(--white); }
.section-dark  { background: var(--navy); color: var(--white); }
.section-cream { background: var(--cream); }

.section-header { text-align: center; margin-bottom: 60px; }
.section-tag { display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--teal); margin-bottom: 12px; }
.section-tag.light { color: var(--gold); }
.section-title { font-family: var(--font-serif); font-size: clamp(2rem,4.2vw,3.2rem); font-weight: 600; line-height: 1.1; color: var(--navy); margin-bottom: 14px; }
.section-title.light { color: var(--white); }
.section-title em { font-style: italic; color: var(--teal); }
.section-title.light em { color: var(--gold); }
.section-subtitle { font-size: 1rem; color: var(--gray); max-width: 600px; margin: 0 auto; line-height: 1.7; }
.section-subtitle.light { color: rgba(255,255,255,.85); }

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 26px; font-size: .87rem; font-weight: 700;
  letter-spacing: .03em; border-radius: var(--radius);
  cursor: pointer; border: 2px solid transparent;
  transition: all var(--tr); white-space: nowrap; font-family: var(--font-sans);
}
.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--navy2); border-color: var(--navy2); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(15,44,91,.4); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.55); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); transform: translateY(-2px); }
.btn-outline-dark { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }
.btn.full-width { width: 100%; justify-content: center; }

/* TOP RIBBON */
.top-ribbon { background: var(--navy); color: rgba(255,255,255,.75); border-bottom: 1px solid rgba(255,255,255,.06); }
.ribbon-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; height: 36px; gap: 18px; font-size: .73rem; }
.ribbon-item { display: inline-flex; align-items: center; gap: 6px; }
.ribbon-divider { width: 1px; height: 14px; background: rgba(255,255,255,.18); }
.ribbon-phone, .ribbon-text { display: inline-flex; align-items: center; gap: 6px; color: var(--gold); font-weight: 700; transition: color var(--tr); }
.ribbon-phone { margin-left: auto; }
.ribbon-phone:hover, .ribbon-text:hover { color: var(--white); }

/* NAVBAR */
#navbar { position: sticky; top: 0; left: 0; right: 0; z-index: 1000; background: rgba(255,255,255,.97); backdrop-filter: blur(14px); transition: all var(--tr); border-bottom: 1px solid rgba(15,44,91,.08); }
#navbar.scrolled { background: var(--white); box-shadow: 0 4px 20px rgba(15,44,91,.12); }
.nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; height: 96px; gap: 24px; }
.logo-link { display: flex; align-items: center; transition: transform var(--tr); }
.logo-link:hover { transform: translateY(-1px); }
.nav-logo { height: 76px; width: auto; }
.nav-links { display: flex; gap: 26px; margin-left: auto; }
.nav-links a { font-size: .82rem; font-weight: 600; color: var(--navy); transition: color var(--tr); position: relative; }
.nav-links a::after { content: ''; position: absolute; bottom: -4px; left: 0; right: 0; height: 2px; background: var(--teal); transform: scaleX(0); transition: transform var(--tr); }
.nav-links a:hover { color: var(--teal); }
.nav-links a:hover::after { transform: scaleX(1); }
.nav-cta { display: flex; align-items: center; gap: 6px; padding: 11px 18px; background: var(--teal); color: var(--white); font-size: .8rem; font-weight: 700; border-radius: var(--radius); transition: all var(--tr); white-space: nowrap; }
.nav-cta:hover { background: var(--teal2); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(42,133,121,.35); }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; margin-left: auto; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; }
.mobile-menu { display: none; flex-direction: column; background: var(--white); padding: 16px 24px 24px; border-top: 1px solid var(--gray-l); }
.mobile-menu.open { display: flex; }
.mobile-link { padding: 12px 0; font-size: .9rem; color: var(--navy); border-bottom: 1px solid var(--gray-l); }
.mobile-link:hover { color: var(--teal); }
.mobile-phone { margin-top: 16px; font-size: 1rem; font-weight: 700; color: var(--teal); }

/* HERO */
.hero { position: relative; min-height: 80vh; display: flex; flex-direction: column; }
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg-img { width: 100%; height: 100%; object-fit: cover; object-position: center 40%; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,44,91,.55) 0%, rgba(15,44,91,.35) 45%, rgba(15,44,91,.75) 100%); }
.hero-content { position: relative; z-index: 1; max-width: 1200px; margin: 0 auto; padding: 80px 24px 40px; width: 100%; flex: 1; display: flex; flex-direction: column; justify-content: center; }
.hero-eyebrow { display: inline-block; font-size: .68rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); background: rgba(15,44,91,.55); border: 1px solid rgba(230,191,74,.6); padding: 6px 16px; border-radius: 100px; margin-bottom: 20px; align-self: flex-start; text-shadow: 0 1px 2px rgba(0,0,0,.4); }
.hero-title { font-family: var(--font-serif); font-size: clamp(3.2rem, 8vw, 6.4rem); font-weight: 600; line-height: 1.02; color: var(--white); margin-bottom: 20px; max-width: 800px; }
.hero-title em { font-style: italic; color: var(--gold); }
.hero-subtitle { font-size: 1.05rem; line-height: 1.75; color: rgba(255,255,255,.92); margin-bottom: 32px; max-width: 620px; text-shadow: 0 1px 3px rgba(0,0,0,.45); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats { position: relative; z-index: 1; background: rgba(212,169,58,.12); backdrop-filter: blur(12px); border-top: 1px solid rgba(255,255,255,.1); display: flex; align-items: center; justify-content: center; flex-wrap: wrap; }
.hstat { display: flex; flex-direction: column; align-items: center; gap: 2px; padding: 22px 44px; }
.hstat-n { font-family: var(--font-serif); font-size: 1.6rem; font-weight: 700; color: var(--white); }
.hstat-l { font-size: .68rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.6); }
.hstat-div { width: 1px; height: 40px; background: rgba(255,255,255,.15); }

/* RHODE SHOW */
.rhode-layout { display: grid; grid-template-columns: 1fr 1.15fr; gap: 56px; align-items: center; }
.rhode-badge { display: inline-flex; align-items: center; gap: 8px; padding: 7px 16px; background: var(--navy); color: var(--gold); font-size: .68rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; border-radius: 100px; margin-bottom: 16px; }
.rhode-badge svg { stroke: var(--gold); }
.rhode-lead { font-size: 1rem; line-height: 1.8; color: var(--text); margin-bottom: 22px; }
.rhode-meta { display: flex; gap: 28px; flex-wrap: wrap; margin-bottom: 28px; padding: 18px 22px; background: var(--white); border-left: 3px solid var(--teal); border-radius: 4px; }
.rhode-meta-item { display: flex; flex-direction: column; gap: 4px; }
.rhode-meta-item strong { font-size: .65rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--teal); }
.rhode-meta-item span { font-size: .92rem; color: var(--navy); font-weight: 500; }
.rhode-video { position: relative; }
.video-frame { position: relative; padding-top: 56.25%; border-radius: 12px; overflow: hidden; box-shadow: var(--shadow-lg); background: var(--navy); }
.video-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }

/* PILLARS */
.pillars-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.pillar-card { background: var(--white); border: 1px solid var(--gray-l); border-radius: 14px; overflow: hidden; transition: all var(--tr); display: flex; flex-direction: column; }
.pillar-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.pillar-img { height: 220px; overflow: hidden; }
.pillar-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.pillar-card:hover .pillar-img img { transform: scale(1.05); }
.pillar-body { padding: 26px 24px; flex: 1; display: flex; flex-direction: column; }
.pillar-tag { font-size: .65rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; }
.pillar-body h3 { font-family: var(--font-serif); font-size: 1.6rem; color: var(--navy); margin-bottom: 10px; }
.pillar-body p { font-size: .9rem; line-height: 1.7; color: var(--gray); margin-bottom: 16px; flex: 1; }
.pillar-link { font-size: .82rem; font-weight: 700; color: var(--navy); transition: color var(--tr); }
.pillar-card:hover .pillar-link { color: var(--teal); }

/* QUOTE WIZARD */
.wizard { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: 14px; overflow: hidden; }
.wstep { display: none; padding: 40px; animation: fadeIn .4s ease; }
.wstep.active { display: block; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.wstep-header { display: flex; align-items: flex-start; gap: 18px; margin-bottom: 26px; }
.wstep-num { font-family: var(--font-serif); font-size: 3rem; font-weight: 700; color: rgba(230,191,74,.7); line-height: 1; flex-shrink: 0; }
.wstep-header h3 { font-family: var(--font-serif); font-size: 1.7rem; color: var(--white); margin-bottom: 4px; }
.wstep-header p { font-size: .85rem; color: rgba(255,255,255,.55); }

.quote-types { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.qtype { display: flex; align-items: center; gap: 12px; padding: 16px 18px; background: rgba(255,255,255,.05); border: 1.5px solid rgba(255,255,255,.12); border-radius: 10px; font-size: .87rem; font-weight: 600; color: rgba(255,255,255,.8); text-align: left; cursor: pointer; transition: all var(--tr); font-family: var(--font-sans); }
.qtype svg { width: 22px; height: 22px; stroke: rgba(255,255,255,.5); flex-shrink: 0; }
.qtype:hover { border-color: var(--gold); background: rgba(212,169,58,.1); color: var(--white); }
.qtype.selected { border-color: var(--gold); background: rgba(212,169,58,.15); color: var(--white); box-shadow: 0 0 0 3px rgba(212,169,58,.15); }
.qtype.selected svg { stroke: var(--gold); }

.wizard-form { background: rgba(255,255,255,.04); border-radius: 10px; padding: 26px; }
.wf-group { margin-bottom: 14px; }
.wf-group label { display: block; font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.55); margin-bottom: 6px; }
.req { color: var(--gold); }
.wf-group input, .wf-group select, .wf-group textarea { width: 100%; padding: 11px 14px; font-family: var(--font-sans); font-size: .87rem; color: var(--white); background: rgba(255,255,255,.07); border: 1.5px solid rgba(255,255,255,.12); border-radius: var(--radius); outline: none; transition: all var(--tr); }
.wf-group input::placeholder, .wf-group textarea::placeholder { color: rgba(255,255,255,.3); }
.wf-group input:focus, .wf-group select:focus, .wf-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(212,169,58,.18); }
.wf-group textarea { resize: vertical; min-height: 70px; }
.wf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.wf-summary { padding: 14px; background: rgba(212,169,58,.08); border: 1px solid rgba(212,169,58,.2); border-radius: 8px; margin-top: 6px; }
.wf-pills { display: flex; flex-wrap: wrap; gap: 8px; }
.wf-pills .pill { padding: 5px 12px; background: rgba(212,169,58,.18); color: var(--gold); border-radius: 100px; font-size: .76rem; font-weight: 600; }
.wf-empty { font-size: .8rem; color: rgba(255,255,255,.4); font-style: italic; }

.wizard-success { background: rgba(212,169,58,.06); border: 1px solid rgba(212,169,58,.25); border-radius: 12px; padding: 48px 28px; text-align: center; }
.ws-icon { width: 64px; height: 64px; border-radius: 50%; background: linear-gradient(135deg, var(--gold), #e6c367); color: var(--navy); font-size: 1.8rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; box-shadow: 0 8px 22px rgba(212,169,58,.4); }
.wizard-success h3 { font-family: var(--font-serif); font-size: 1.9rem; color: var(--white); margin-bottom: 10px; }
.wizard-success p { font-size: .95rem; color: rgba(255,255,255,.7); line-height: 1.7; margin-bottom: 22px; max-width: 500px; margin-left: auto; margin-right: auto; }
.ws-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

.wizard-nav { display: flex; align-items: center; justify-content: space-between; padding: 18px 40px; border-top: 1px solid rgba(255,255,255,.08); background: rgba(0,0,0,.18); }
.wnav-btn { display: flex; align-items: center; gap: 8px; padding: 10px 22px; font-size: .85rem; font-weight: 600; color: rgba(255,255,255,.7); background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); cursor: pointer; transition: all var(--tr); font-family: var(--font-sans); }
.wnav-btn:hover:not(:disabled) { background: rgba(212,169,58,.2); border-color: var(--gold); color: var(--white); }
.wnav-btn:disabled { opacity: .3; cursor: not-allowed; }
.wnav-btn.next { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.wnav-btn.next:hover { background: #e6c367; border-color: #e6c367; }
.wizard-dots { display: flex; gap: 8px; }
.wdot { width: 8px; height: 8px; border-radius: 50%; background: rgba(255,255,255,.2); transition: all var(--tr); }
.wdot.active { background: var(--gold); transform: scale(1.3); }

/* COVERAGE GRID */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cov-card { background: var(--white); border: 1px solid var(--gray-l); border-radius: 12px; padding: 28px 24px; transition: all var(--tr); }
.cov-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.cov-icon { width: 52px; height: 52px; border-radius: 12px; background: linear-gradient(135deg, rgba(15,44,91,.1), rgba(42,133,121,.12)); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.cov-icon svg { width: 24px; height: 24px; stroke: var(--navy); }
.cov-card h3 { font-family: var(--font-serif); font-size: 1.4rem; color: var(--navy); margin-bottom: 10px; }
.cov-card p { font-size: .87rem; line-height: 1.7; color: var(--gray); }

/* BEAUTY BREAK */
.beauty-break { position: relative; height: 380px; overflow: hidden; }
.beauty-img { width: 100%; height: 100%; object-fit: cover; }
.beauty-break::before { content: ''; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(15,44,91,.65), rgba(15,44,91,.8)); }
.beauty-overlay { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 22px; padding: 40px 24px; text-align: center; }
.beauty-overlay p { font-family: var(--font-serif); font-size: clamp(1.3rem,3.2vw,2.2rem); font-style: italic; color: var(--white); max-width: 880px; line-height: 1.4; }

/* COMMERCIAL */
.commercial-layout { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.commercial-lead { font-size: 1rem; line-height: 1.8; color: var(--text); margin-bottom: 22px; }
.commercial-list { list-style: none; display: flex; flex-direction: column; gap: 14px; margin-bottom: 28px; }
.commercial-list li { padding: 14px 18px; background: var(--white); border-left: 3px solid var(--teal); border-radius: 4px; font-size: .9rem; line-height: 1.65; color: var(--text); }
.commercial-list strong { color: var(--navy); display: block; margin-bottom: 2px; font-size: .95rem; }
.commercial-img-col { position: relative; }
.commercial-img { width: 100%; height: 520px; object-fit: cover; border-radius: 12px; box-shadow: var(--shadow-lg); }

/* REAL ESTATE */
.re-layout { display: grid; grid-template-columns: 1fr 1.15fr; gap: 56px; align-items: center; }
.re-img-col { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: 1fr 1fr; gap: 12px; height: 540px; }
.re-img { width: 100%; height: 100%; object-fit: cover; border-radius: 12px; box-shadow: var(--shadow); }
.re-tall { grid-row: span 2; }
.re-lead { font-size: 1rem; line-height: 1.8; color: var(--text); margin-bottom: 20px; }
.re-questions { background: var(--off); border-radius: 10px; padding: 22px 24px; margin-bottom: 24px; }
.re-questions h3 { font-family: var(--font-serif); font-size: 1.2rem; color: var(--navy); margin-bottom: 12px; }
.re-questions ol { margin: 0 0 12px 22px; }
.re-questions li { font-size: .92rem; color: var(--text); padding: 4px 0; }
.re-questions p { font-size: .87rem; color: var(--gray); line-height: 1.7; }
.re-card { background: linear-gradient(135deg, var(--navy), var(--navy3)); color: var(--white); border-radius: 12px; padding: 24px 26px; display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.re-card-name strong { font-family: var(--font-serif); font-size: 1.4rem; display: block; }
.re-card-name span { font-size: .8rem; color: var(--gold); font-weight: 600; }
.re-card-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.re-card-actions .btn { padding: 11px 18px; font-size: .82rem; }
.re-card-actions .btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.re-card-actions .btn-primary:hover { background: #e6c367; border-color: #e6c367; }
.re-card-actions .btn-outline-dark { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.re-card-actions .btn-outline-dark:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: var(--white); }

/* CARRIERS */
.carriers-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 12px; margin-bottom: 36px; }
.carrier { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 8px; padding: 18px 14px; text-align: center; font-weight: 600; color: rgba(255,255,255,.85); font-size: .85rem; transition: all var(--tr); }
.carrier:hover { background: rgba(212,169,58,.12); border-color: var(--gold); color: var(--white); }

.claim-cta { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; padding: 26px 32px; background: rgba(212,169,58,.1); border: 1px solid rgba(212,169,58,.3); border-radius: 12px; }
.claim-cta strong { display: block; font-size: 1.1rem; font-family: var(--font-serif); color: var(--white); margin-bottom: 4px; }
.claim-cta span { font-size: .88rem; color: rgba(255,255,255,.7); }
.claim-cta .btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.claim-cta .btn-primary:hover { background: #e6c367; border-color: #e6c367; }

/* ABOUT */
.about-layout { display: grid; grid-template-columns: 460px 1fr; gap: 64px; align-items: center; }
.about-img-col { position: relative; }
.about-img { width: 100%; height: auto; border-radius: 12px; box-shadow: var(--shadow-lg); aspect-ratio: 16 / 12; object-fit: cover; }
.about-badge { position: absolute; bottom: -20px; right: -20px; width: 110px; height: 110px; background: linear-gradient(135deg, var(--gold), #e6c367); border-radius: 50%; display: flex; align-items: center; justify-content: center; box-shadow: 0 8px 32px rgba(212,169,58,.5); }
.ab-inner { text-align: center; color: var(--navy); }
.ab-since { font-size: .58rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; opacity: .85; display: block; }
.ab-num { font-family: var(--font-serif); font-size: 2rem; font-weight: 700; line-height: 1.05; display: block; }
.about-lead { font-size: 1rem; line-height: 1.8; color: var(--text); margin-bottom: 16px; }
.about-body { font-size: .92rem; line-height: 1.8; color: var(--gray); margin-bottom: 28px; }
.about-body strong { color: var(--navy); }
.about-body em { color: var(--teal); font-style: italic; font-weight: 600; }
.about-values { display: flex; flex-direction: column; gap: 16px; }
.av-item { display: flex; gap: 14px; align-items: flex-start; }
.av-item svg { width: 18px; height: 18px; stroke: var(--teal); flex-shrink: 0; margin-top: 2px; }
.av-item div { display: flex; flex-direction: column; gap: 2px; }
.av-item strong { font-size: .92rem; color: var(--navy); }
.av-item span { font-size: .82rem; color: var(--gray); }

/* TEAM */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.team-card { background: var(--white); border: 1px solid var(--gray-l); border-radius: 10px; padding: 24px 22px; transition: all var(--tr); }
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: transparent; }
.team-card--lead { background: linear-gradient(135deg, var(--navy), var(--navy3)); color: var(--white); border-color: transparent; grid-column: span 1; }
.team-card--lead .team-name { color: var(--white); }
.team-card--lead .team-role { color: var(--gold); }
.team-name { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.team-role { font-size: .78rem; font-weight: 600; letter-spacing: .04em; color: var(--teal); margin-bottom: 12px; }
.team-note { font-size: .82rem; line-height: 1.65; color: rgba(255,255,255,.75); }

/* TESTIMONIALS */
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review-card { background: var(--white); border: 1px solid var(--gray-l); border-radius: 12px; padding: 28px 24px; box-shadow: var(--shadow); transition: all var(--tr); }
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.rc-stars { color: var(--gold); font-size: 1.2rem; letter-spacing: 2px; margin-bottom: 12px; }
.review-card p { font-size: .9rem; line-height: 1.7; color: var(--text); margin-bottom: 16px; font-style: italic; }
.rc-attr { display: flex; flex-direction: column; gap: 2px; padding-top: 14px; border-top: 1px solid var(--gray-l); }
.rc-attr strong { font-size: .88rem; color: var(--navy); }
.rc-attr span { font-size: .76rem; color: var(--teal); font-weight: 600; }

/* TRUST BADGES */
.section-trust { padding: 48px 0; background: var(--off); }
.trust-bar { display: flex; align-items: center; justify-content: center; gap: 56px; flex-wrap: wrap; }
.trust-bar img { height: 64px; width: auto; opacity: .8; transition: opacity var(--tr); }
.trust-bar img:hover { opacity: 1; }

/* CONTACT */
.section-contact { background: var(--navy2); padding: 96px 0; }
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-sub { font-size: .95rem; color: rgba(255,255,255,.6); margin-top: -8px; margin-bottom: 36px; line-height: 1.7; }
.contact-details { display: flex; flex-direction: column; gap: 20px; }
.cd { display: flex; gap: 14px; align-items: flex-start; }
.cd-icon { width: 38px; height: 38px; border-radius: 8px; flex-shrink: 0; background: rgba(212,169,58,.18); display: flex; align-items: center; justify-content: center; }
.cd-icon svg { width: 16px; height: 16px; stroke: var(--gold); }
.cd > div { display: flex; flex-direction: column; gap: 2px; }
.cd strong { font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.cd span, .cd a { font-size: .87rem; color: rgba(255,255,255,.7); line-height: 1.6; }
.cd a:hover { color: var(--gold); }
.contact-form { background: var(--white); border-radius: 12px; padding: 36px; box-shadow: var(--shadow-lg); }
.form-title { font-family: var(--font-serif); font-size: 1.5rem; font-weight: 600; color: var(--navy); margin-bottom: 20px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group textarea, .form-group select { width: 100%; padding: 11px 14px; font-family: var(--font-sans); font-size: .87rem; color: var(--navy); background: #f8fafc; border: 1.5px solid var(--gray-l); border-radius: var(--radius); outline: none; appearance: none; transition: all var(--tr); }
.form-group input:focus, .form-group textarea:focus, .form-group select:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(42,133,121,.15); background: var(--white); }
.form-group select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235b6470' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px; cursor: pointer; }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-row.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 0; }
.form-row.two-col .form-group { margin-bottom: 16px; }
.form-note { text-align: center; font-size: .73rem; color: var(--gray); margin-top: 10px; }
.form-success { background: var(--white); border-radius: 12px; padding: 56px 36px; text-align: center; box-shadow: var(--shadow-lg); }
.success-icon { width: 60px; height: 60px; border-radius: 50%; background: var(--teal); color: var(--white); font-size: 1.6rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.form-success h3 { font-family: var(--font-serif); font-size: 1.7rem; color: var(--navy); margin-bottom: 8px; }
.form-success p { font-size: .9rem; color: var(--gray); line-height: 1.7; }

/* FOOTER */
.footer { background: #061634; color: rgba(255,255,255,.55); padding: 64px 0 0; }
.footer-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px 48px; display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 48px; border-bottom: 1px solid rgba(255,255,255,.06); }
.footer-brand { display: flex; flex-direction: column; }
.footer-logo-img { height: 80px; width: auto; align-self: flex-start; margin-bottom: 16px; background: var(--white); padding: 10px 14px; border-radius: 10px; }
.footer-desc { font-size: .82rem; line-height: 1.7; max-width: 320px; }
.footer-links h4, .footer-contact h4 { font-size: .65rem; font-weight: 700; text-transform: uppercase; letter-spacing: .15em; color: var(--gold); margin-bottom: 16px; }
.footer-links { display: flex; flex-direction: column; gap: 4px; }
.footer-contact { display: flex; flex-direction: column; gap: 4px; }
.footer-links a, .footer-contact a, .footer-contact span { font-size: .82rem; line-height: 1.9; color: rgba(255,255,255,.55); transition: color var(--tr); }
.footer-links a:hover, .footer-contact a:hover { color: var(--gold); }
.footer-bottom { max-width: 1200px; margin: 0 auto; padding: 18px 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; font-size: .73rem; color: rgba(255,255,255,.65); }

/* SKELETON / FADE-IN */
@keyframes shimmer { 0% { background-position: -200% 0; } 100% { background-position: 200% 0; } }
.pillar-img, .commercial-img-col, .about-img-col, .re-img, .beauty-break {
  background: linear-gradient(90deg, #e8eef5 0%, #f4f7fa 50%, #e8eef5 100%);
  background-size: 200% 100%;
  animation: shimmer 1.6s ease-in-out infinite;
}
.pillar-img:has(img.loaded), .commercial-img-col:has(img.loaded), .about-img-col:has(img.loaded), .beauty-break:has(img.loaded), .re-img.loaded { animation: none; background: transparent; }
img:not(.loaded) { opacity: 0; }
img.loaded { opacity: 1; transition: opacity .4s ease; }
.hero-bg-img:not(.loaded) { opacity: 0; }
.hero-bg-img.loaded { opacity: 1; transition: opacity .6s ease; }

.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.fade-in.visible { opacity: 1; transform: none; }

/* RESPONSIVE — 1100px */
@media (max-width: 1100px) {
  .rhode-layout { grid-template-columns: 1fr; gap: 36px; }
  .pillars-grid { grid-template-columns: 1fr; max-width: 600px; margin: 0 auto; }
  .coverage-grid { grid-template-columns: 1fr 1fr; }
  .commercial-layout { grid-template-columns: 1fr; gap: 40px; }
  .commercial-img { height: 400px; }
  .re-layout { grid-template-columns: 1fr; gap: 40px; }
  .re-img-col { max-width: 600px; }
  .about-layout { grid-template-columns: 1fr; gap: 40px; }
  .about-img-col { max-width: 540px; }
  .reviews-grid { grid-template-columns: 1fr 1fr; }
  .quote-types { grid-template-columns: repeat(3, 1fr); }
  .carriers-grid { grid-template-columns: repeat(4, 1fr); }
  .team-grid { grid-template-columns: 1fr 1fr; }
}

/* RESPONSIVE — 900px */
@media (max-width: 900px) {
  .section { padding: 72px 0; }
  .top-ribbon { display: none; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .quote-types { grid-template-columns: 1fr 1fr; }
  .wf-row { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .carriers-grid { grid-template-columns: repeat(3, 1fr); }
  .team-grid { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; gap: 36px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .re-img-col { height: 400px; }
}

/* RESPONSIVE — 768px */
@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .container { padding: 0 16px; }
  .section-header { margin-bottom: 36px; }
  .nav-inner { height: 76px; }
  .nav-logo { height: 56px; }
  .hero-content { padding: 60px 16px 32px; }
  .hero-eyebrow { font-size: .62rem; padding: 5px 12px; margin-bottom: 14px; }
  .hero-title { font-size: clamp(2.2rem, 9vw, 3.4rem); margin-bottom: 14px; }
  .hero-subtitle { font-size: .92rem; margin-bottom: 22px; }
  .hero-actions { flex-direction: column; gap: 10px; }
  .hero-actions .btn { width: 100%; justify-content: center; padding: 14px 22px; }
  .hstat { padding: 16px 18px; flex-basis: 50%; text-align: center; }
  .hstat-n { font-size: 1.25rem; }
  .hstat-l { font-size: .58rem; }
  .hstat-div { display: none; }
  .quote-types { grid-template-columns: 1fr 1fr; gap: 8px; }
  .qtype { padding: 14px 14px; font-size: .82rem; }
  .wstep { padding: 22px 16px; }
  .wstep-num { font-size: 2.4rem; }
  .wstep-header h3 { font-size: 1.3rem; }
  .wizard-nav { padding: 14px 16px; flex-wrap: wrap; gap: 12px; }
  .wnav-btn { padding: 10px 14px; font-size: .78rem; }
  .commercial-img { height: 280px; }
  .re-img-col { display: grid; grid-template-columns: 1fr; height: auto; }
  .re-tall { grid-row: span 1; }
  .re-img { height: 220px; }
  .re-card { flex-direction: column; align-items: stretch; text-align: center; }
  .re-card-actions { justify-content: center; }
  .carriers-grid { grid-template-columns: repeat(2, 1fr); }
  .commercial-list li { padding: 12px 14px; font-size: .85rem; }
  .form-row.two-col { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; padding: 0 16px 36px; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 6px; padding: 16px; }
  .beauty-break { height: 320px; }
  .ws-actions { flex-direction: column; }
  .ws-actions .btn { width: 100%; }
  .btn { min-height: 44px; }
  .trust-bar { gap: 28px; }
  .trust-bar img { height: 48px; }
}

/* RESPONSIVE — 480px */
@media (max-width: 480px) {
  .hero-title { font-size: clamp(1.9rem, 9vw, 2.6rem); }
  .section-title { font-size: clamp(1.6rem, 6vw, 2.1rem); }
  .hstat { flex-basis: 100%; border-bottom: 1px solid rgba(255,255,255,.08); }
  .quote-types { grid-template-columns: 1fr; }
  .carriers-grid { grid-template-columns: 1fr 1fr; }
}