/* =========================================
   MARKVE INSURANCE SOLUTIONS - Main Styles
   ========================================= */

:root {
  --primary: #1a3a6b;       /* Deep Navy Blue */
  --primary-dark: #0f2347;
  --accent: #e8a020;        /* Gold/Amber */
  --accent-light: #f5c842;
  --text: #1f2937;
  --text-light: #6b7280;
  --bg: #ffffff;
  --bg-light: #f8f9fa;
  --bg-section: #f0f4f9;
  --border: #e5e7eb;
  --success: #16a34a;
  --shadow: 0 4px 24px rgba(26, 58, 107, 0.10);
  --shadow-lg: 0 12px 40px rgba(26, 58, 107, 0.16);
  --radius: 12px;
  --transition: 0.3s cubic-bezier(.4,0,.2,1);
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent); }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ── TYPOGRAPHY ── */
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 700; line-height: 1.25; }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p { margin-bottom: 1rem; }

.section-label {
  display: inline-block;
  background: rgba(232, 160, 32, 0.15);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 14px;
}

.section-title { color: var(--primary); margin-bottom: 16px; }
.section-sub { color: var(--text-light); font-size: 1.05rem; max-width: 640px; margin-bottom: 48px; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.97rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.btn-primary:hover {
  background: #cf8a14;
  border-color: #cf8a14;
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(232, 160, 32, 0.35);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: #fff;
  transform: translateY(-2px);
}
.btn-white {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
}
.btn-white:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
  transform: translateY(-2px);
}

/* ── TOP BAR ── */
.top-bar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  padding: 8px 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.top-bar a { color: rgba(255,255,255,0.85); }
.top-bar a:hover { color: var(--accent); }
.top-bar-links { display: flex; gap: 24px; align-items: center; }

/* ── LOGO HEADER ── */
.logo-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
}
.logo-header .container {
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo-header img {
  height: 160px;
  width: auto;
  display: block;
}

/* ── NAVIGATION ── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  max-width: 1180px;
  margin: 0 auto;
  height: 64px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
}
.nav-logo img {
  height: 72px;
  width: auto;
}
.nav-logo-text span { color: var(--accent); }

.nav-menu {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 4px;
}
.nav-menu > li { position: relative; }
.nav-menu > li > a {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text);
  border-radius: 8px;
  transition: all var(--transition);
}
.nav-menu > li > a:hover,
.nav-menu > li > a.active {
  color: var(--primary);
  background: var(--bg-section);
}
.nav-menu .dropdown { position: relative; }
.nav-menu .dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  padding: 8px;
  padding-top: 16px;
  z-index: 100;
}
.nav-menu .dropdown:hover .dropdown-menu { display: block; }
.nav-menu .dropdown-menu a {
  display: block;
  padding: 10px 16px;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
}
.nav-menu .dropdown-menu a:hover { background: var(--bg-section); color: var(--primary); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 2px; transition: all var(--transition); }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #1e4d8c 100%);
  color: #fff;
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  right: -100px;
  top: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,160,32,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  left: -50px;
  bottom: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232,160,32,0.2);
  border: 1px solid rgba(232,160,32,0.4);
  color: var(--accent-light);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero h1 span { color: var(--accent-light); }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
}
.hero-stat { }
.hero-stat .num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
}
.hero-stat .label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  margin-top: 4px;
}

/* Hero Quote Card */
.hero-card {
  background: #fff;
  border-radius: 20px;
  padding: 36px;
  box-shadow: var(--shadow-lg);
  color: var(--text);
}
.hero-card h3 { color: var(--primary); margin-bottom: 6px; font-size: 1.3rem; }
.hero-card p { color: var(--text-light); font-size: 0.9rem; margin-bottom: 24px; }
.hero-card .form-group { margin-bottom: 16px; }
.hero-card label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.hero-card select,
.hero-card input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  background: var(--bg-light);
  color: var(--text);
  transition: border-color var(--transition);
  appearance: none;
}
.hero-card select:focus,
.hero-card input:focus {
  outline: none;
  border-color: var(--primary);
  background: #fff;
}
.hero-card .btn { width: 100%; justify-content: center; margin-top: 6px; font-size: 1rem; padding: 16px; }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--bg-light);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.trust-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-light);
}
.trust-item svg { color: var(--primary); flex-shrink: 0; }

/* ── SECTIONS ── */
.section { padding: 88px 0; }
.section-alt { background: var(--bg-section); }
.section-dark { background: var(--primary-dark); color: #fff; }
.section-center { text-align: center; }
.section-center .section-sub { margin: 0 auto 48px; }

/* ── INSURANCE PRODUCTS GRID ── */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}
.product-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: all var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--accent);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.product-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}
.product-card:hover::before { transform: scaleX(1); }
.product-icon {
  width: 60px;
  height: 60px;
  border-radius: 14px;
  background: var(--bg-section);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 1.6rem;
  transition: background var(--transition);
}
.product-card:hover .product-icon { background: rgba(26,58,107,0.1); }
.product-card h4 { color: var(--primary); margin-bottom: 8px; }
.product-card p { font-size: 0.85rem; color: var(--text-light); margin: 0; }

/* ── STATES SECTION ── */
.states-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.state-card {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  display: block;
  color: inherit;
}
.state-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.state-card-img {
  height: 180px;
  background-size: cover;
  background-position: center;
  position: relative;
}
.state-card-img-iowa { background: linear-gradient(135deg, #1a3a6b, #2d5fa6), url('') center/cover; }
.state-card-img-nebraska { background: linear-gradient(135deg, #0f4c35, #1a7a56), url('') center/cover; }
.state-card-img-sd { background: linear-gradient(135deg, #5c2d91, #8b45c5), url('') center/cover; }
.state-card-img::after {
  content: attr(data-state);
  position: absolute;
  bottom: 16px;
  left: 20px;
  font-size: 2rem;
  font-weight: 900;
  color: rgba(255,255,255,0.25);
  letter-spacing: -0.02em;
  line-height: 1;
}
.state-badge {
  position: absolute;
  top: 16px;
  left: 16px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
}
.state-card-body {
  background: #fff;
  padding: 24px;
}
.state-card-body h3 { color: var(--primary); margin-bottom: 8px; }
.state-card-body p { font-size: 0.88rem; color: var(--text-light); margin-bottom: 16px; }
.state-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--accent);
}
.state-link:hover { color: var(--primary); }

/* ── WHY US ── */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-features { display: flex; flex-direction: column; gap: 24px; }
.why-feature {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.why-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.why-feature h4 { color: var(--primary); margin-bottom: 6px; }
.why-feature p { color: var(--text-light); font-size: 0.9rem; margin: 0; }
.why-visual {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 40px;
  color: #fff;
  position: relative;
}
.why-visual::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(232,160,32,0.15);
}
.carriers-logos {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  position: relative;
  z-index: 1;
}
.carrier-chip {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 10px;
  padding: 14px 10px;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  transition: all var(--transition);
}
.carrier-chip:hover { background: rgba(232,160,32,0.25); border-color: var(--accent); }
.carriers-title { color: rgba(255,255,255,0.65); font-size: 0.82rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 20px; position: relative; z-index: 1; }

/* ── TESTIMONIALS ── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.stars { color: var(--accent); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { font-size: 0.93rem; color: var(--text); margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--text); }
.author-location { font-size: 0.8rem; color: var(--text-light); }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--accent), #cf8a14);
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
}
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.85); margin-bottom: 32px; font-size: 1.05rem; }
.cta-band .btn-white { box-shadow: 0 6px 20px rgba(0,0,0,0.15); }

/* ── BLOG ── */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  display: block;
  color: inherit;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.blog-card-img {
  height: 200px;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  position: relative;
  overflow: hidden;
}
.blog-card-img-alt { background: linear-gradient(135deg, #0f4c35, #1a7a56); }
.blog-card-img-alt2 { background: linear-gradient(135deg, #5c2d91, #8b45c5); }
.blog-card-img-emoji {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-size: 3rem;
  opacity: 0.6;
}
.blog-category {
  position: absolute;
  bottom: 16px;
  left: 16px;
  background: var(--accent);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 12px;
  border-radius: 50px;
}
.blog-card-body { padding: 24px; }
.blog-meta { font-size: 0.8rem; color: var(--text-light); margin-bottom: 10px; }
.blog-card-body h3 { font-size: 1.05rem; color: var(--primary); margin-bottom: 10px; line-height: 1.4; }
.blog-card-body p { font-size: 0.87rem; color: var(--text-light); margin-bottom: 16px; }
.blog-read-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--accent);
}

/* ── CONTACT / QUOTE FORM ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 60px; align-items: start; }
.contact-info h2 { color: var(--primary); margin-bottom: 16px; }
.contact-info p { color: var(--text-light); margin-bottom: 32px; }
.contact-items { display: flex; flex-direction: column; gap: 20px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-item-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--bg-section);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-item h4 { color: var(--primary); font-size: 0.9rem; margin-bottom: 4px; }
.contact-item p { color: var(--text-light); font-size: 0.88rem; margin: 0; }
.contact-item a { color: var(--text-light); font-size: 0.88rem; }
.contact-form-wrap {
  background: #fff;
  border-radius: 20px;
  padding: 40px;
  box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 7px; color: var(--text); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--bg-light);
  transition: border-color var(--transition);
  font-family: inherit;
  resize: vertical;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: #fff;
}
.form-group textarea { min-height: 100px; }
.form-submit { width: 100%; justify-content: center; font-size: 1rem; padding: 16px; }

/* ── FOOTER ── */
.footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.75);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand { }
.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}
.footer-logo img { display: none; }
.footer-logo-text {
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
}
.footer-logo-text span { color: var(--accent-light); }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; margin-bottom: 24px; }
.footer-socials { display: flex; gap: 12px; }
.social-btn {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
  transition: all var(--transition);
}
.social-btn:hover { background: var(--accent); color: #fff; }
.footer-col h4 {
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: var(--accent-light); }
.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: 0.82rem;
}
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--accent-light); }

/* ── FLOATING CHAT ── */
.float-chat {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
}
.float-chat-btn {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  border: none;
  font-size: 1.6rem;
  cursor: pointer;
  box-shadow: 0 6px 24px rgba(232,160,32,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}
.float-chat-btn:hover { transform: scale(1.1); box-shadow: 0 8px 30px rgba(232,160,32,0.6); }

/* ── STATE PAGE SPECIFIC ── */
.state-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: #fff;
  padding: 72px 0;
}
.state-hero h1 { color: #fff; margin-bottom: 16px; }
.state-hero p { color: rgba(255,255,255,0.8); max-width: 580px; font-size: 1.05rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb-sep { opacity: 0.4; }

/* ── FAQ ── */
.faq-list { max-width: 720px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  background: #fff;
  border: none;
  padding: 20px 24px;
  text-align: left;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--bg-section); color: var(--primary); }
.faq-question.open { background: var(--primary); color: #fff; }
.faq-answer {
  display: none;
  padding: 0 24px 20px;
  font-size: 0.92rem;
  color: var(--text-light);
  background: #fff;
  line-height: 1.7;
}
.faq-answer.show { display: block; }
.faq-chevron { transition: transform var(--transition); font-size: 0.8rem; }
.faq-question.open .faq-chevron { transform: rotate(180deg); }

/* ── BLOG PAGE ── */
.blog-hero {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #fff;
  padding: 72px 0 48px;
}
.blog-hero h1 { color: #fff; margin-bottom: 12px; }
.blog-hero p { color: rgba(255,255,255,0.8); max-width: 560px; }
.blog-main-grid { display: grid; grid-template-columns: 1fr 320px; gap: 48px; }
.blog-sidebar { }
.sidebar-widget {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 24px;
}
.sidebar-widget h4 { color: var(--primary); margin-bottom: 16px; padding-bottom: 12px; border-bottom: 2px solid var(--bg-section); }
.sidebar-cats { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.sidebar-cats li a {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
  color: var(--text-light);
  padding: 6px 0;
  border-bottom: 1px solid var(--bg-section);
}
.sidebar-cats li a:hover { color: var(--primary); }
.sidebar-cats li a span { background: var(--bg-section); padding: 2px 8px; border-radius: 50px; font-size: 0.75rem; font-weight: 700; }

/* ── ABOUT PAGE ── */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; }
.team-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  text-align: center;
  transition: all var(--transition);
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.team-photo {
  height: 200px;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
}
.team-body { padding: 20px; }
.team-body h4 { color: var(--primary); margin-bottom: 4px; }
.team-body .role { font-size: 0.83rem; color: var(--accent); font-weight: 600; margin-bottom: 10px; }
.team-body p { font-size: 0.85rem; color: var(--text-light); }

/* ── CARRIERS PAGE ── */
.carriers-full-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 16px; }
.carrier-full-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 16px;
  text-align: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--primary);
  transition: all var(--transition);
}
.carrier-full-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-2px); }
.carrier-full-card .carrier-emoji { font-size: 2rem; margin-bottom: 10px; }

/* ── ADDITIONAL STATES GRID ── */
.additional-states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 12px;
  max-width: 900px;
  margin: 0 auto;
}
.add-state-chip {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 20px;
  background: #fff;
  border: 2px solid var(--border);
  border-radius: 12px;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
  text-align: center;
  transition: all var(--transition);
}
.add-state-chip:hover {
  border-color: var(--accent);
  background: rgba(232,160,32,0.06);
  color: var(--primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

/* ── LICENSED STATES BANNER (homepage) ── */
.licensed-states-banner {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 36px 0;
  text-align: center;
}
.licensed-states-banner .lsb-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255,255,255,0.6);
  margin-bottom: 14px;
}
.licensed-states-banner .lsb-states {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
}
.lsb-chip {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  color: #fff;
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  white-space: nowrap;
  transition: all var(--transition);
  text-decoration: none;
}
.lsb-chip:hover {
  background: rgba(232,160,32,0.3);
  border-color: var(--accent);
  color: var(--accent-light);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 500px; }
  .states-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .blog-main-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .nav-cta .btn { display: none; }
  .hero { padding: 60px 0 48px; }
  .section { padding: 60px 0; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .states-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .trust-bar .container { gap: 24px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
}