/* ============================================
   Howell Health Insurance Group — Global Styles
   howellhealthfl.com
   ============================================ */

/* --- CSS Variables (Brand Palette) --- */
:root {
  --navy: #1B3A5C;
  --teal: #2A9D8F;
  --orange: #E76F51;
  --orange-hover: #d45a3b;
  --dark-text: #2D3436;
  --gray: #636E72;
  --light-bg: #F0F4F8;
  --white: #FFFFFF;
  --navy-light: #244b73;
  --teal-light: #34b8a8;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --radius: 8px;
  --radius-lg: 12px;
  --max-width: 1200px;
  --transition: 0.25s ease;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 17px;
  line-height: 1.7;
  color: var(--dark-text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

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

a:hover {
  color: var(--navy);
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4 {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.375rem; }
h4 { font-size: 1.125rem; }

p + p { margin-top: 1em; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section-padding {
  padding: 80px 0;
}

.section-heading {
  text-align: center;
  margin-bottom: 48px;
}

.section-heading h2 {
  margin-bottom: 12px;
}

.section-heading p {
  color: var(--gray);
  font-size: 1.1rem;
  max-width: 640px;
  margin: 0 auto;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  line-height: 1.4;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--orange-hover);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}

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

.btn-outline {
  background: transparent;
  color: var(--teal);
  border: 2px solid var(--teal);
}

.btn-outline:hover {
  background: var(--teal);
  color: var(--white);
}

.btn-sm {
  padding: 10px 20px;
  font-size: 0.9rem;
}

/* --- Section 1: Announcement Bar --- */
.announcement-bar {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 10px 24px;
  font-size: 0.9rem;
  font-weight: 500;
  position: relative;
}

.announcement-bar a {
  color: var(--white);
  text-decoration: underline;
  font-weight: 600;
}

.announcement-bar a:hover {
  color: var(--teal-light);
}

.announcement-bar-close {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.2rem;
  cursor: pointer;
  opacity: 0.7;
  padding: 4px 8px;
  line-height: 1;
}

.announcement-bar-close:hover {
  opacity: 1;
}

/* --- Section 2: Navigation --- */
#site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
}

.site-header {
  background: var(--white);
  border-bottom: 1px solid #e8ecf0;
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  max-width: var(--max-width);
  margin: 0 auto;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
  text-decoration: none;
  flex-shrink: 0;
}

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

.nav-logo-text span {
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--gray);
  letter-spacing: 0.02em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  color: var(--dark-text);
  font-size: 0.95rem;
  font-weight: 500;
  transition: color var(--transition);
}

.nav-links a:hover {
  color: var(--teal);
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.nav-phone {
  color: var(--navy) !important;
  font-weight: 600 !important;
  font-size: 0.95rem;
  white-space: nowrap;
}

.nav-cta {
  padding: 10px 22px !important;
  font-size: 0.9rem !important;
}

/* Hamburger */
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  flex-direction: column;
  gap: 5px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 999;
  flex-direction: column;
  padding: 80px 32px 32px;
}

.mobile-nav.active {
  display: flex;
}

.mobile-nav a {
  display: block;
  padding: 16px 0;
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--dark-text);
  border-bottom: 1px solid #e8ecf0;
}

.mobile-nav a:hover {
  color: var(--teal);
}

.mobile-nav .btn {
  margin-top: 24px;
  text-align: center;
}

.mobile-nav-close {
  position: absolute;
  top: 20px;
  right: 24px;
  background: none;
  border: none;
  font-size: 1.8rem;
  cursor: pointer;
  color: var(--navy);
  padding: 4px 8px;
}

.mobile-nav-phone {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy) !important;
  border-bottom: none !important;
  margin-top: 8px;
}

/* --- Section 3: Hero --- */
.hero {
  background: url('/images/hero-bg.jpg') center center / cover no-repeat;
  color: var(--white);
  padding: 0;
  overflow: hidden;
  position: relative;
}

.hero-overlay {
  background: rgba(17, 35, 55, 0.7);
  padding: 80px 0 88px;
}

.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  text-align: center;
}

.hero-content h1 {
  color: var(--white);
  font-size: 3rem;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.hero-content p {
  font-size: 1.15rem;
  line-height: 1.7;
  opacity: 0.92;
  margin-bottom: 32px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}

/* Trust Bar */
.trust-bar {
  background: rgba(0,0,0,0.15);
  margin-top: 64px;
  border-radius: var(--radius-lg);
  padding: 24px 0;
}

.trust-bar-inner {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.trust-item {
  text-align: center;
  color: var(--white);
}

.trust-item .trust-number {
  font-size: 1.5rem;
  font-weight: 700;
  display: block;
}

.trust-item .trust-label {
  font-size: 0.85rem;
  opacity: 0.85;
}

/* --- Section 4: Problem / Agitation --- */
.problem-section {
  background: var(--white);
}

.problem-layout {
  display: grid;
  grid-template-columns: 2fr 3fr;
  gap: 48px;
  align-items: center;
}

.problem-image img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  object-fit: cover;
}

.problem-content {
  text-align: left;
}

.problem-content h2 {
  margin-bottom: 24px;
}

.problem-content p {
  color: var(--gray);
  font-size: 1.05rem;
}

.problem-callout {
  border-left: 4px solid var(--teal);
  background: var(--white);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 20px 0;
  box-shadow: var(--shadow-sm);
}

.problem-callout p {
  color: var(--dark-text);
  font-weight: 600;
  margin: 0;
}

.problem-content p strong {
  color: var(--dark-text);
}

/* --- Section 5: How It Works --- */
.how-it-works {
  background: var(--light-bg);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
  position: relative;
}

.step-card:hover {
  box-shadow: var(--shadow-md);
}

.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 700;
  margin: 0 auto 20px;
}

.step-card h3 {
  margin-bottom: 12px;
}

.step-card p {
  color: var(--gray);
  font-size: 0.95rem;
}

/* --- Section 6: Plans & Services --- */
.services-section {
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all var(--transition);
}

.service-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.service-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  background: var(--light-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  color: var(--teal);
}

.service-card h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.service-card p {
  color: var(--gray);
  font-size: 0.95rem;
  margin-bottom: 16px;
}

.service-card .learn-more {
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.learn-more::after {
  content: '\2192';
  transition: transform var(--transition);
}

.service-card:hover .learn-more::after {
  transform: translateX(4px);
}

/* --- Section 7: Why Scott / Trust --- */
.why-section {
  background: var(--light-bg);
}

.why-layout {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 48px;
  align-items: center;
}

.why-photo img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  object-fit: cover;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.trust-pillar {
  text-align: left;
  padding: 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.trust-pillar-icon {
  width: 52px;
  height: 52px;
  min-width: 52px;
  border-radius: 50%;
  background: var(--light-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--teal);
}

.trust-pillar h3 {
  font-size: 1.05rem;
  margin-bottom: 4px;
}

.trust-pillar p {
  color: var(--gray);
  font-size: 0.9rem;
}

/* --- Section 8: Carrier Logos --- */
.carriers-section {
  background: var(--white);
  padding: 48px 0;
  border-top: 1px solid #e8ecf0;
  border-bottom: 1px solid #e8ecf0;
}

.carriers-section .section-heading {
  margin-bottom: 32px;
}

.carriers-section .section-heading p {
  font-size: 0.95rem;
}

.carrier-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}

.carrier-logo {
  height: 45px;
  width: auto;
  object-fit: contain;
  filter: grayscale(100%) brightness(0.35);
  opacity: 0.8;
  transition: opacity var(--transition), filter var(--transition);
}

.carrier-logo:hover {
  opacity: 1;
  filter: grayscale(100%) brightness(0.2);
}

/* --- Section 9: Testimonials --- */
.testimonials-section {
  background: var(--navy);
  color: var(--white);
}

.testimonials-section .section-heading h2 {
  color: var(--white);
}

.testimonials-section .section-heading p {
  color: rgba(255,255,255,0.75);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
}

.testimonial-stars {
  color: #F9A825;
  font-size: 1.1rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  font-size: 0.95rem;
  line-height: 1.7;
  opacity: 0.92;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  font-weight: 600;
  font-size: 0.9rem;
  opacity: 0.8;
}

/* --- Section 10: FAQ Preview --- */
.faq-section {
  background: var(--light-bg);
}

.faq-list {
  max-width: 780px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}

.faq-item summary {
  padding: 20px 24px;
  font-weight: 600;
  font-size: 1.05rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  color: var(--navy);
  list-style: none;
  transition: background var(--transition);
}

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

.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gray);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item[open] summary::after {
  content: '\2212';
}

.faq-item summary:hover {
  background: var(--light-bg);
}

.faq-answer {
  padding: 0 24px 20px;
  color: var(--gray);
  font-size: 0.95rem;
  line-height: 1.7;
}

.faq-answer a {
  font-weight: 600;
}

.faq-cta {
  text-align: center;
  margin-top: 32px;
}

/* --- Section 11: Final CTA --- */
.final-cta {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy) 100%);
  color: var(--white);
  text-align: center;
}

.final-cta h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.final-cta p {
  opacity: 0.9;
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto 32px;
}

.final-cta-buttons {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* --- Section 12: Footer --- */
.site-footer {
  background: #0f2640;
  color: rgba(255,255,255,0.75);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-brand p {
  font-size: 0.9rem;
  margin-top: 12px;
  line-height: 1.7;
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 16px;
  font-weight: 600;
}

.footer-col a {
  display: block;
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  padding: 4px 0;
  transition: color var(--transition);
}

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

.footer-contact-item {
  font-size: 0.9rem;
  margin-bottom: 8px;
}

.footer-contact-item a {
  display: inline;
  padding: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.8rem;
}

.footer-bottom a {
  color: rgba(255,255,255,0.5);
  font-size: 0.8rem;
}

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

.footer-legal {
  font-size: 0.78rem;
  opacity: 0.5;
  margin-top: 8px;
  line-height: 1.6;
}

/* ============================================
   Responsive
   ============================================ */

@media (max-width: 1024px) {
  .why-layout {
    grid-template-columns: 240px 1fr;
    gap: 32px;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  body {
    font-size: 16px;
  }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  h3 { font-size: 1.2rem; }

  .section-padding {
    padding: 56px 0;
  }

  /* Nav */
  .nav-links,
  .nav-right .nav-phone {
    display: none;
  }
  .hamburger {
    display: flex;
  }

  /* Problem */
  .problem-layout {
    grid-template-columns: 1fr;
  }
  .problem-image {
    max-width: 480px;
    margin: 0 auto;
  }

  /* Hero */
  .hero-overlay {
    padding: 56px 0 64px;
  }
  .hero-content h1 {
    font-size: 2.1rem;
  }
  .hero-content p {
    margin: 0 auto 28px;
  }
  .trust-bar-inner {
    gap: 24px;
  }
  .trust-item .trust-number {
    font-size: 1.25rem;
  }

  /* Why Scott */
  .why-layout {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .why-photo {
    max-width: 280px;
    margin: 0 auto;
  }

  /* Steps */
  .steps-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin: 0 auto;
  }

  /* Services */
  .services-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin: 0 auto;
  }

  /* Trust */
  .trust-grid {
    grid-template-columns: 1fr;
  }

  /* Carriers */
  .carrier-logos {
    gap: 16px;
  }
  .carrier-logo {
    height: 32px;
  }

  /* Testimonials */
  .testimonials-grid {
    grid-template-columns: 1fr;
    max-width: 520px;
    margin: 0 auto;
  }

  /* FAQ */
  .faq-item summary {
    font-size: 0.95rem;
    padding: 16px 20px;
  }

  /* Footer */
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 16px;
  }
  .hero-content h1 {
    font-size: 1.75rem;
  }
  .btn {
    padding: 12px 24px;
    font-size: 0.95rem;
    width: 100%;
    justify-content: center;
  }
  .hero-ctas {
    flex-direction: column;
    align-items: center;
  }
  .final-cta-buttons {
    flex-direction: column;
    align-items: center;
  }
  .announcement-bar {
    font-size: 0.82rem;
    padding: 8px 40px 8px 16px;
  }
}

/* ============================================
   About Page
   ============================================ */

/* About Hero */
.about-hero {
  background: var(--light-bg);
}

.about-hero-layout {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 56px;
  align-items: center;
}

.about-hero-photo img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  object-fit: cover;
}

.about-hero-content h1 {
  margin-bottom: 8px;
}

.about-hero-subtitle {
  color: var(--teal);
  font-weight: 600;
  font-size: 1.05rem;
  margin-bottom: 20px;
}

.about-hero-content p {
  color: var(--gray);
  font-size: 1.05rem;
}

.about-hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 28px;
}

/* About Story */
.about-story {
  background: var(--white);
}

.about-story-layout {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 56px;
  align-items: center;
}

.about-story-content h2 {
  margin-bottom: 20px;
}

.about-story-content p {
  color: var(--gray);
  font-size: 1.05rem;
}

.about-story-photo img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  object-fit: cover;
}

/* About Credentials */
.about-credentials {
  background: var(--light-bg);
}

.credentials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.credential-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.credential-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--light-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--teal);
  margin: 0 auto 16px;
}

.credential-card h3 {
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.credential-card p {
  color: var(--gray);
  font-size: 0.9rem;
}

.states-list {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.states-list h3 {
  margin-bottom: 20px;
}

.states-tags {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
}

.state-tag {
  display: inline-block;
  padding: 6px 16px;
  background: var(--light-bg);
  border-radius: 20px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--dark-text);
}

.state-tag.highlight {
  background: var(--teal);
  color: var(--white);
  font-weight: 600;
}

/* About Photo Grid */
.about-photos {
  background: var(--white);
}

.photo-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.photo-grid-item {
  overflow: hidden;
  border-radius: var(--radius);
}

.photo-grid-item img {
  width: 100%;
  height: 280px;
  object-fit: cover;
  object-position: center center;
  display: block;
  border-radius: var(--radius);
  transition: transform var(--transition);
}

.photo-grid-item img:hover {
  transform: scale(1.03);
}

.photo-grid-item.photo-grid-wide {
  grid-column: span 2;
}

.photo-grid-item.photo-grid-wide img {
  height: 280px;
}

/* About Page Responsive */
@media (max-width: 1024px) {
  .about-hero-layout {
    grid-template-columns: 260px 1fr;
    gap: 40px;
  }
  .about-story-layout {
    grid-template-columns: 1fr 320px;
    gap: 40px;
  }
  .credentials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .about-hero-layout {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .about-hero-photo {
    max-width: 280px;
    margin: 0 auto;
  }
  .about-hero-ctas {
    justify-content: center;
  }
  .about-story-layout {
    grid-template-columns: 1fr;
  }
  .about-story-photo {
    max-width: 400px;
    margin: 0 auto;
    order: -1;
  }
  .credentials-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin: 0 auto 48px;
  }
  .states-list {
    padding: 28px 20px;
  }
  .photo-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
  }
  .photo-grid-item img,
  .photo-grid-item.photo-grid-wide img {
    height: 200px;
  }
  .photo-grid-item.photo-grid-wide {
    grid-column: span 2;
  }
  .photo-grid-item.photo-grid-wide img {
    height: 220px;
  }
}

@media (max-width: 480px) {
  .photo-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }
  .photo-grid-item.photo-grid-wide {
    grid-column: span 1;
  }
  .photo-grid-item img,
  .photo-grid-item.photo-grid-wide img {
    height: 220px;
  }
  .about-hero-ctas {
    flex-direction: column;
    align-items: center;
  }
}

/* ============================================
   Interior Pages (Services Hub, FAQ, Contact, Quote)
   ============================================ */

/* Interior Hero */
.interior-hero {
  background: var(--light-bg);
  padding-bottom: 48px;
}

.interior-hero .section-heading h1 {
  margin-bottom: 16px;
}

.interior-hero .section-heading p {
  max-width: 720px;
}

/* Breadcrumb */
.breadcrumb {
  background: var(--light-bg);
  padding: 16px 0;
  font-size: 0.88rem;
  color: var(--gray);
}

.breadcrumb a {
  color: var(--gray);
}

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

.breadcrumb span {
  color: var(--navy);
  font-weight: 600;
}

/* ============================================
   Service Detail Pages
   ============================================ */

.service-detail-hero {
  background: var(--light-bg);
  text-align: center;
}

.service-detail-content h1 {
  font-size: 2.2rem;
  margin-bottom: 20px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.service-detail-answer {
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--gray);
  max-width: 760px;
  margin: 0 auto 28px;
}

.service-detail-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}

.service-detail-body {
  background: var(--white);
}

.service-detail-text {
  max-width: none;
}

.service-detail-text h2 {
  margin-bottom: 20px;
}

.service-detail-text h3 {
  margin-top: 40px;
  margin-bottom: 16px;
}

.service-detail-text p {
  color: var(--gray);
  font-size: 1.05rem;
}

.service-feature-list {
  list-style: none;
  padding: 0;
  margin: 16px 0 24px;
}

.service-feature-list li {
  padding: 8px 0 8px 28px;
  position: relative;
  color: var(--gray);
  font-size: 1.02rem;
  line-height: 1.6;
}

.service-feature-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.service-feature-list li strong {
  color: var(--dark-text);
}

/* Comparison Tables */
.comparison-table-wrapper {
  overflow-x: auto;
  margin: 20px 0 32px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
  background: var(--white);
}

.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 20px;
  text-align: left;
  font-weight: 600;
  font-size: 0.9rem;
  white-space: nowrap;
}

.comparison-table td {
  padding: 14px 20px;
  border-bottom: 1px solid #e8ecf0;
  color: var(--dark-text);
  vertical-align: top;
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table tr:nth-child(even) td {
  background: var(--light-bg);
}

/* Services Hub - Card Links */
.services-grid-hub {
  grid-template-columns: repeat(2, 1fr);
}

.service-card-link {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
}

.service-card-link:hover {
  color: inherit;
}

.service-card-link h2 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}

.service-card-link p {
  margin-bottom: 0;
}

.service-card-link .learn-more {
  margin-top: auto;
  padding-top: 16px;
}

/* FAQ Category Headings */
.faq-category-heading {
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--teal);
  font-size: 1.5rem;
}

/* FAQ Page — white background sections with gray FAQ items */
.faq-page-section {
  background: var(--white);
}

.faq-page-section .faq-item {
  background: var(--light-bg);
  border-color: var(--light-bg);
}

.faq-page-section .faq-item summary:hover {
  background: #e4eaf0;
}

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

.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.contact-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: all var(--transition);
}

.contact-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.contact-card-primary {
  border-color: var(--teal);
  background: linear-gradient(135deg, rgba(42,157,143,0.05), rgba(27,58,92,0.05));
}

.contact-card-icon {
  font-size: 2rem;
  margin-bottom: 16px;
}

.contact-card h2 {
  font-size: 1.25rem;
  margin-bottom: 8px;
}

.contact-card p {
  color: var(--gray);
  font-size: 0.95rem;
  margin-bottom: 16px;
}

.contact-card-value {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--teal);
  display: inline-block;
}

.contact-details {
  background: var(--light-bg);
}

.contact-details-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.contact-info-block {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
}

.contact-info-block h2 {
  font-size: 1.25rem;
  margin-bottom: 16px;
}

.contact-info-block p {
  color: var(--gray);
  font-size: 0.95rem;
}

.hours-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 16px;
}

.hours-table td {
  padding: 8px 0;
  border-bottom: 1px solid #e8ecf0;
  font-size: 0.95rem;
  color: var(--dark-text);
}

.hours-table td:last-child {
  text-align: right;
  font-weight: 600;
}

.contact-note {
  font-size: 0.88rem;
  color: var(--teal);
  font-weight: 500;
}

.states-served-compact {
  font-size: 0.9rem;
  color: var(--dark-text);
  margin-top: 12px;
  line-height: 1.8;
}

.contact-expect-list {
  list-style: none;
  padding: 0;
}

.contact-expect-list li {
  padding: 6px 0 6px 24px;
  position: relative;
  color: var(--gray);
  font-size: 0.95rem;
}

.contact-expect-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

/* ============================================
   Quote Page
   ============================================ */

.quote-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  align-items: start;
}

.quote-form-wrapper {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.quote-step {
  display: none;
}

.quote-step.active {
  display: block;
}

.quote-step-header {
  margin-bottom: 28px;
}

.quote-step-indicator {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--teal);
  display: block;
  margin-bottom: 8px;
}

.quote-progress {
  height: 6px;
  background: var(--light-bg);
  border-radius: 3px;
  overflow: hidden;
}

.quote-progress-bar {
  height: 100%;
  background: var(--teal);
  border-radius: 3px;
  transition: width 0.3s ease;
}

.quote-step h2 {
  font-size: 1.5rem;
  margin-bottom: 8px;
}

.quote-step p {
  color: var(--gray);
  margin-bottom: 24px;
}

.quote-options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.quote-option-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 28px 16px;
  background: var(--white);
  border: 2px solid #e8ecf0;
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: all var(--transition);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  font-family: 'Inter', system-ui, sans-serif;
}

.quote-option-btn:hover {
  border-color: var(--teal);
  background: rgba(42,157,143,0.05);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.quote-option-icon {
  font-size: 1.8rem;
}

.quote-fields {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 28px;
}

.quote-field label {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 6px;
}

.quote-field input,
.quote-field select,
.quote-field textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid #d0d5dd;
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--dark-text);
  transition: border-color var(--transition);
}

.quote-field input:focus,
.quote-field select:focus,
.quote-field textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(42,157,143,0.15);
}

.quote-field textarea {
  resize: vertical;
}

.quote-nav-buttons {
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

/* Quote Sidebar */
.quote-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.quote-sidebar-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.quote-sidebar-photo {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  object-fit: cover;
  margin-bottom: 16px;
}

.quote-sidebar-card h3 {
  font-size: 1.1rem;
  margin-bottom: 4px;
}

.quote-sidebar-title {
  color: var(--teal);
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 12px;
}

.quote-sidebar-card p {
  color: var(--gray);
  font-size: 0.9rem;
}

.quote-sidebar-contact {
  margin-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.quote-sidebar-contact a {
  font-size: 0.9rem;
  font-weight: 500;
}

.quote-sidebar-benefits {
  list-style: none;
  padding: 0;
  margin-top: 12px;
}

.quote-sidebar-benefits li {
  padding: 6px 0 6px 22px;
  position: relative;
  font-size: 0.9rem;
  color: var(--gray);
}

.quote-sidebar-benefits li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

/* ============================================
   Interior Pages Responsive
   ============================================ */

@media (max-width: 1024px) {
  .services-grid-hub {
    grid-template-columns: repeat(2, 1fr);
  }
  .contact-details-grid {
    grid-template-columns: 1fr 1fr;
  }
  .quote-layout {
    grid-template-columns: 1fr 300px;
    gap: 28px;
  }
}

@media (max-width: 768px) {
  .service-detail-content h1 {
    font-size: 1.75rem;
  }
  .service-detail-ctas {
    flex-direction: column;
  }
  .services-grid-hub {
    grid-template-columns: 1fr;
    max-width: 520px;
    margin: 0 auto;
  }
  .contact-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin: 0 auto;
  }
  .contact-details-grid {
    grid-template-columns: 1fr;
  }
  .quote-layout {
    grid-template-columns: 1fr;
  }
  .quote-form-wrapper {
    padding: 28px 20px;
  }
  .quote-options {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .quote-option-btn {
    flex-direction: row;
    padding: 20px;
    text-align: left;
  }
  .comparison-table {
    font-size: 0.85rem;
  }
  .comparison-table th,
  .comparison-table td {
    padding: 10px 12px;
  }
}

@media (max-width: 480px) {
  .service-detail-content h1 {
    font-size: 1.5rem;
  }
  .service-detail-ctas .btn {
    width: 100%;
  }
  .quote-nav-buttons {
    flex-direction: column-reverse;
  }
  .quote-nav-buttons .btn {
    width: 100%;
  }
}

/* ============================================
   Blog Pages
   ============================================ */

/* Blog Layout — mirrors quote page layout */
.blog-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  align-items: start;
}

/* Blog Hub — Article Cards */
.blog-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 24px;
  transition: all var(--transition);
}

.blog-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.blog-card h2 {
  font-size: 1.25rem;
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card h2 a {
  color: var(--navy);
  text-decoration: none;
}

.blog-card h2 a:hover {
  color: var(--teal);
}

.blog-card-meta {
  font-size: 0.85rem;
  color: var(--gray);
  margin-bottom: 12px;
}

.blog-card-category {
  color: var(--teal);
  font-weight: 600;
}

.blog-card p {
  color: var(--gray);
  font-size: 0.95rem;
  margin-bottom: 16px;
}

/* Blog Post — Article Content */
.blog-post-section {
  background: var(--white);
}

.blog-post-main {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.blog-post-header {
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid #e8ecf0;
}

.blog-post-header h1 {
  font-size: 2rem;
  margin-bottom: 12px;
  line-height: 1.3;
}

.blog-post-meta {
  font-size: 0.9rem;
  color: var(--gray);
}

.blog-post-content {
  line-height: 1.8;
}

.blog-post-lead {
  font-size: 1.1rem;
  color: var(--dark-text);
  font-weight: 500;
  line-height: 1.7;
  border-left: 4px solid var(--teal);
  padding-left: 20px;
  margin-bottom: 28px;
}

.blog-post-content h2 {
  margin-top: 36px;
  margin-bottom: 16px;
  font-size: 1.5rem;
}

.blog-post-content h3 {
  margin-top: 28px;
  margin-bottom: 12px;
}

.blog-post-content p {
  color: var(--gray);
  font-size: 1.02rem;
  margin-bottom: 16px;
}

.blog-post-content ul {
  list-style: none;
  padding: 0;
  margin: 16px 0 24px;
}

.blog-post-content ul li {
  padding: 6px 0 6px 24px;
  position: relative;
  color: var(--gray);
  font-size: 1.02rem;
}

.blog-post-content ul li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.blog-post-content ul li strong {
  color: var(--dark-text);
}

.blog-post-content a {
  font-weight: 600;
}

/* Blog Post FAQ section */
.blog-post-faq {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid #e8ecf0;
}

.blog-post-faq h2 {
  margin-top: 0;
  margin-bottom: 20px;
}

/* Blog Sidebar — mirrors quote sidebar */
.blog-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.blog-sidebar-card {
  background: var(--white);
  border: 1px solid #e8ecf0;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.blog-sidebar-card h3 {
  font-size: 1.1rem;
  margin-bottom: 12px;
}

.blog-sidebar-photo {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  object-fit: cover;
  margin-bottom: 16px;
}

.blog-sidebar-title {
  color: var(--teal);
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 12px;
}

.blog-sidebar-card p {
  color: var(--gray);
  font-size: 0.9rem;
}

.blog-sidebar-contact {
  margin-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.blog-sidebar-contact a {
  font-size: 0.9rem;
  font-weight: 500;
}

.blog-sidebar-benefits {
  list-style: none;
  padding: 0;
}

.blog-sidebar-benefits li {
  padding: 6px 0 6px 22px;
  position: relative;
  font-size: 0.9rem;
  color: var(--gray);
}

.blog-sidebar-benefits li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

/* Blog Sidebar Categories */
.blog-sidebar-categories {
  list-style: none;
  padding: 0;
}

.blog-sidebar-categories li {
  border-bottom: 1px solid #e8ecf0;
}

.blog-sidebar-categories li:last-child {
  border-bottom: none;
}

.blog-sidebar-categories a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--dark-text);
}

.blog-sidebar-categories a:hover {
  color: var(--teal);
}

.blog-category-count {
  background: var(--light-bg);
  color: var(--gray);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 2px 10px;
  border-radius: 12px;
}

/* Blog Responsive */
@media (max-width: 1024px) {
  .blog-layout {
    grid-template-columns: 1fr 300px;
    gap: 28px;
  }
}

@media (max-width: 768px) {
  .blog-layout {
    grid-template-columns: 1fr;
  }
  .blog-post-main {
    padding: 28px 20px;
  }
  .blog-post-header h1 {
    font-size: 1.6rem;
  }
  .blog-card {
    padding: 28px 20px;
  }
}

@media (max-width: 480px) {
  .blog-post-header h1 {
    font-size: 1.4rem;
  }
}

/* --- Utility: Screen reader only --- */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}

/* --- Print --- */
@media print {
  .announcement-bar,
  .site-header,
  .mobile-nav,
  .final-cta,
  .site-footer { display: none; }
  body { font-size: 12pt; color: #000; }
}