/* ============================================================
   Capitol Insurance Group — STEPS Design System v2
   ============================================================
   Color Palette (from agency theme):
     Primary (Teal):  #008585    Primary-dark: #006868
     Secondary (Sage): #74a892   Accent (Rust): #c7522a
     Gold: #e5c185               Cream: #fbf2c4
   ============================================================ */

/* ---------- CSS Custom Properties ---------- */
:root {
  /* Brand */
  --color-primary: #008585;
  --color-primary-dark: #006868;
  --color-secondary: #74a892;
  --color-accent: #c7522a;
  --color-accent-dark: #a3421f;
  --color-gold: #e5c185;
  --color-cream: #fbf2c4;

  /* Neutrals */
  --color-text: #1a1a2e;
  --color-text-muted: #6b7280;
  --color-bg: #ffffff;
  --color-bg-card: #ffffff;
  --color-bg-muted: #f8f9fa;
  --color-border: #e5e7eb;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Layout */
  --max-width: 1200px;
  --nav-height: 72px;
  --radius: 8px;
  --radius-sm: 6px;
  --shadow-card: 0 2px 8px rgba(0,0,0,.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,.12);
  --shadow-lg: 0 8px 32px rgba(0,0,0,.16);
  --transition: .3s ease;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{
  font-family:var(--font-body);
  color:var(--color-text);
  background:var(--color-bg);
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--color-primary);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--color-accent)}
ul,ol{list-style:none}
h1,h2,h3,h4,h5,h6{font-family:var(--font-display);line-height:1.25;color:var(--color-text)}
h1{font-size:clamp(2rem,4vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2.25rem)}
h3{font-size:clamp(1.125rem,2vw,1.5rem)}
p{margin-bottom:1rem}
p:last-child{margin-bottom:0}

/* ---------- Utilities ---------- */
.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{
  position:absolute;top:-100%;left:1rem;
  background:var(--color-primary);color:#fff;
  padding:.75rem 1.5rem;border-radius:0 0 var(--radius-sm) var(--radius-sm);
  z-index:9999;font-weight:600;
}
.skip-link:focus{top:0;color:#fff}
.text-center{text-align:center}
.text-muted{color:var(--color-text-muted)}
.section-pad{padding:5rem 0}
.bg-white{background:var(--color-bg)}
.bg-muted{background:var(--color-bg-muted)}
.bg-cream{background:var(--color-cream)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.75rem 1.5rem;
  font-family:var(--font-body);font-weight:600;font-size:.95rem;
  border-radius:var(--radius-sm);border:2px solid transparent;
  cursor:pointer;transition:all var(--transition);
  text-decoration:none;line-height:1.4;
  min-height:44px;
}
.btn-accent{background:var(--color-accent);color:#fff;border-color:var(--color-accent)}
.btn-accent:hover{background:var(--color-accent-dark);border-color:var(--color-accent-dark);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn-primary{background:var(--color-primary);color:#fff;border-color:var(--color-primary)}
.btn-primary:hover{background:var(--color-primary-dark);border-color:var(--color-primary-dark);color:#fff;transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--color-primary);border:2px solid var(--color-primary)}
.btn-outline:hover{background:var(--color-primary);color:#fff}
.btn-phone{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.35)}
.btn-phone:hover{background:rgba(255,255,255,.15);color:#fff}
.btn-disabled{background:#d1d5db;color:#9ca3af;border-color:#d1d5db;cursor:not-allowed;pointer-events:none}
.btn-sm{padding:.5rem 1rem;font-size:.85rem}

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--color-border);
  height:var(--nav-height);
  transition:box-shadow var(--transition);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:var(--nav-height)}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none}
.logo-icon{
  width:40px;height:40px;background:var(--color-primary);border-radius:50%;
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.logo-icon::after{
  content:'';display:block;width:18px;height:22px;
  clip-path:polygon(50% 0%,100% 35%,80% 100%,20% 100%,0% 35%);
  background:var(--color-gold);
}
.logo-text{font-family:var(--font-display);font-size:1.1rem;font-weight:700;color:var(--color-text);line-height:1.15}
.logo-text span{display:block;font-size:.68rem;font-family:var(--font-body);font-weight:600;color:var(--color-primary);letter-spacing:.1em;text-transform:uppercase}
.nav-center{display:flex;align-items:center;gap:1.8rem}
.nav-center a{font-weight:500;font-size:.9rem;color:var(--color-text);padding:.25rem 0;position:relative}
.nav-center a::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--color-accent);transition:width var(--transition)}
.nav-center a:hover::after,.nav-center a.active::after{width:100%}
.nav-center a:hover,.nav-center a.active{color:var(--color-accent)}
.nav-right{display:flex;align-items:center;gap:1rem}
.nav-phone{font-weight:600;font-size:.9rem;color:var(--color-text)}
.nav-phone:hover{color:var(--color-primary)}
.nav-cta{
  background:var(--color-accent);color:#fff !important;
  padding:.5rem 1.2rem;border-radius:var(--radius-sm);
  font-size:.85rem;font-weight:600;
}
.nav-cta::after{display:none !important}
.nav-cta:hover{background:var(--color-accent-dark);color:#fff !important}

/* Hamburger */
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:.5rem;z-index:1001;min-height:44px;min-width:44px;justify-content:center;align-items:center}
.hamburger span{display:block;width:24px;height:2.5px;background:var(--color-text);border-radius:2px;transition:var(--transition)}
.hamburger.active span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

@media(max-width:768px){
  .hamburger{display:flex}
  .nav-center{
    position:fixed;top:0;right:-100%;width:280px;height:100vh;
    background:#fff;flex-direction:column;
    padding:5rem 2rem 2rem;gap:1.2rem;
    box-shadow:var(--shadow-lg);transition:right .35s ease;z-index:1000;
  }
  .nav-center.open{right:0}
  .nav-center a{font-size:1.05rem}
  .nav-phone{display:none}
}

/* ============================================================
   HERO (Homepage)
   ============================================================ */
.hero{
  position:relative;min-height:88vh;display:flex;align-items:center;
  background:linear-gradient(135deg,var(--color-primary) 0%,var(--color-primary-dark) 60%,#004f4f 100%);
  overflow:hidden;margin-top:var(--nav-height);
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(circle at 20% 80%,rgba(199,82,42,.2) 0%,transparent 50%),
    radial-gradient(circle at 80% 20%,rgba(116,168,146,.25) 0%,transparent 50%);
}
.hero-grid-bg{
  position:absolute;inset:0;opacity:.05;
  background-image:
    repeating-linear-gradient(0deg,transparent,transparent 50px,rgba(255,255,255,.5) 50px,rgba(255,255,255,.5) 51px),
    repeating-linear-gradient(90deg,transparent,transparent 50px,rgba(255,255,255,.5) 50px,rgba(255,255,255,.5) 51px);
}
.hero .container{position:relative;z-index:2}
.hero-content{max-width:660px;color:#fff}
.hero-badge{
  display:inline-block;background:rgba(255,255,255,.12);
  padding:.4rem 1rem;border-radius:50px;
  font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  margin-bottom:1.5rem;backdrop-filter:blur(4px);border:1px solid rgba(255,255,255,.18);
}
.hero h1{margin-bottom:1rem;color:#fff;line-height:1.12}
.hero h1 em{font-style:normal;color:var(--color-gold)}
.hero-sub{font-size:1.1rem;opacity:.9;margin-bottom:2rem;line-height:1.7;max-width:520px}
.hero-buttons{display:flex;gap:1rem;flex-wrap:wrap}

/* ============================================================
   PAGE HERO (Interior pages)
   ============================================================ */
.page-hero{
  margin-top:var(--nav-height);padding:4rem 0 3rem;
  background:linear-gradient(135deg,var(--color-primary) 0%,var(--color-primary-dark) 100%);
  position:relative;overflow:hidden;
}
.page-hero::before{
  content:'';position:absolute;inset:0;
  background-image:
    repeating-linear-gradient(0deg,transparent,transparent 50px,rgba(255,255,255,.03) 50px,rgba(255,255,255,.03) 51px),
    repeating-linear-gradient(90deg,transparent,transparent 50px,rgba(255,255,255,.03) 50px,rgba(255,255,255,.03) 51px);
}
.page-hero .container{position:relative;z-index:2}
.page-hero h1{color:#fff;margin-bottom:.5rem}
.page-hero p{color:rgba(255,255,255,.85);font-size:1.05rem;max-width:600px}
.breadcrumb{display:flex;gap:.5rem;font-size:.82rem;margin-bottom:1rem;color:rgba(255,255,255,.55)}
.breadcrumb a{color:rgba(255,255,255,.55)}
.breadcrumb a:hover{color:#fff}

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar{
  background:var(--color-cream);padding:1.5rem 0;
  border-bottom:1px solid rgba(0,0,0,.06);
}
.stats-row{
  display:flex;justify-content:center;flex-wrap:wrap;gap:1.5rem 3rem;
  text-align:center;
}
.stat-item .stat-num{
  font-family:var(--font-display);font-size:1.6rem;font-weight:700;
  color:var(--color-primary);display:block;line-height:1.2;
}
.stat-item .stat-label{
  font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;
  color:var(--color-text-muted);
}

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-header{margin-bottom:2.5rem}
.section-header .overline{
  display:block;font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--color-primary);margin-bottom:.5rem;font-family:var(--font-body);
}
.section-header h2{margin-bottom:.6rem}
.section-header p{color:var(--color-text-muted);max-width:620px}
.section-header.centered{text-align:center}
.section-header.centered p{margin-left:auto;margin-right:auto}

/* ============================================================
   CARD GRID
   ============================================================ */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.5rem}
.card-grid-3{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.card-grid-4{grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.card{
  background:var(--color-bg-card);border-radius:var(--radius);
  padding:2rem 1.5rem;border:1px solid var(--color-border);
  transition:all var(--transition);
}
.card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}

/* Service cards */
.service-card{position:relative;overflow:hidden}
.service-card::before{
  content:'';position:absolute;top:0;left:0;width:100%;height:4px;
  background:var(--color-secondary);transition:background var(--transition);
}
.service-card:hover::before{background:var(--color-accent)}
.service-icon{
  width:48px;height:48px;border-radius:12px;
  background:rgba(0,133,133,.1);color:var(--color-primary);
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;margin-bottom:1rem;
}
.service-card h3{font-size:1.1rem;margin-bottom:.5rem}
.service-card p{font-size:.9rem;color:var(--color-text-muted);line-height:1.6}
.card-link{
  display:inline-flex;align-items:center;gap:.3rem;
  margin-top:.8rem;font-size:.85rem;font-weight:600;
  color:var(--color-accent);letter-spacing:.03em;
}
.card-link:hover{gap:.6rem;color:var(--color-accent-dark)}

/* ============================================================
   ABOUT / TRUST SECTION
   ============================================================ */
.about-trust{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.about-trust-visual{
  border-radius:var(--radius);overflow:hidden;
  background:linear-gradient(135deg,var(--color-secondary),var(--color-primary));
  aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;
}
.about-trust-inner{
  width:75%;height:75%;border-radius:var(--radius);
  background:rgba(255,255,255,.1);backdrop-filter:blur(6px);
  border:1px solid rgba(255,255,255,.2);
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  color:#fff;text-align:center;padding:2rem;
}
.about-trust-inner .big-num{font-family:var(--font-display);font-size:3.5rem;font-weight:700;color:var(--color-gold)}
.about-trust-inner span{font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;opacity:.8;margin-top:.2rem}
.value-cards{display:flex;flex-direction:column;gap:1rem}
.value-card-item{display:flex;gap:1rem;align-items:flex-start}
.value-bullet{
  flex-shrink:0;width:40px;height:40px;border-radius:10px;
  background:rgba(0,133,133,.08);display:flex;align-items:center;justify-content:center;
  font-size:1.1rem;
}
.value-card-item h3{font-size:1rem;margin-bottom:.2rem}
.value-card-item p{font-size:.88rem;color:var(--color-text-muted)}
@media(max-width:768px){.about-trust{grid-template-columns:1fr}.about-trust-visual{max-width:400px;margin:0 auto}}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-card{position:relative;padding:2rem}
.testimonial-card::before{
  content:'\201C';font-family:var(--font-display);font-size:3.5rem;
  color:var(--color-secondary);position:absolute;top:.6rem;left:1.2rem;line-height:1;opacity:.4;
}
.testimonial-card blockquote{
  font-size:.92rem;font-style:italic;color:var(--color-text-muted);
  line-height:1.7;margin-bottom:1rem;padding-top:1.2rem;
}
.testimonial-author{display:flex;align-items:center;gap:.7rem}
.testimonial-avatar{
  width:40px;height:40px;border-radius:50%;background:var(--color-secondary);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:700;font-size:.8rem;flex-shrink:0;
}
.testimonial-name{font-weight:700;font-size:.88rem}
.testimonial-role{font-size:.78rem;color:var(--color-text-muted)}
.stars{color:var(--color-gold);font-size:.85rem;letter-spacing:2px;margin-bottom:.4rem;padding-top:1.5rem}

/* ============================================================
   LOCATION CARDS
   ============================================================ */
.location-card{padding:1.8rem}
.location-card h3{font-size:1.1rem;margin-bottom:.8rem}
.location-card address{font-style:normal;font-size:.9rem;color:var(--color-text-muted);line-height:1.6;margin-bottom:1rem}
.location-card a.card-link{margin-top:0}

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band{
  background:linear-gradient(135deg,var(--color-primary) 0%,var(--color-primary-dark) 100%);
  padding:4rem 0;text-align:center;color:#fff;position:relative;overflow:hidden;
}
.cta-band::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 30% 50%,rgba(229,193,133,.15) 0%,transparent 60%);
}
.cta-band .container{position:relative;z-index:2}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{font-size:1.05rem;opacity:.9;margin-bottom:2rem;max-width:520px;margin-left:auto;margin-right:auto}
.cta-buttons{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:#1a1a2e;color:rgba(255,255,255,.7);padding:4rem 0 0}
.footer-grid{
  display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;
  gap:2.5rem;padding-bottom:3rem;
}
.footer-brand .logo-text{color:#fff}
.footer-brand .logo-text span{color:var(--color-secondary)}
.footer-brand p{margin-top:1rem;font-size:.85rem;line-height:1.6;max-width:280px;color:rgba(255,255,255,.55)}
.footer-col h4{
  color:#fff;font-family:var(--font-body);font-size:.78rem;
  text-transform:uppercase;letter-spacing:.1em;margin-bottom:.8rem;font-weight:700;
}
.footer-col a{display:block;font-size:.88rem;padding:.25rem 0;color:rgba(255,255,255,.55);transition:color var(--transition)}
.footer-col a:hover{color:var(--color-gold)}
.footer-hours{font-size:.85rem;color:rgba(255,255,255,.5);line-height:1.6}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.08);padding:1.2rem 0;
  display:flex;justify-content:space-between;align-items:center;
  font-size:.78rem;flex-wrap:wrap;gap:.5rem;
}
.footer-bottom a{color:rgba(255,255,255,.4)}
.footer-bottom a:hover{color:var(--color-gold)}
@media(max-width:768px){.footer-grid{grid-template-columns:1fr 1fr;gap:2rem}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}

/* ============================================================
   TEAM
   ============================================================ */
.team-card{text-align:center;padding:2rem 1.5rem}
.team-photo{
  width:90px;height:90px;border-radius:50%;margin:0 auto 1rem;
  background:linear-gradient(135deg,var(--color-secondary),var(--color-primary));
  display:flex;align-items:center;justify-content:center;
  font-size:1.6rem;color:#fff;font-family:var(--font-display);font-weight:700;
}
.team-card h3{font-size:1.05rem;margin-bottom:.15rem}
.team-card .role{font-size:.78rem;color:var(--color-primary);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.5rem;font-family:var(--font-body)}
.team-card p{font-size:.85rem;color:var(--color-text-muted);line-height:1.6}

/* ============================================================
   CARRIERS
   ============================================================ */
.carrier-card{padding:1.8rem;text-align:center}
.carrier-logo-box{
  width:80px;height:80px;border-radius:var(--radius);margin:0 auto 1rem;
  background:var(--color-bg-muted);display:flex;align-items:center;justify-content:center;
  font-size:.65rem;font-weight:700;color:var(--color-text-muted);
  text-transform:uppercase;letter-spacing:.04em;
}
.carrier-card h3{font-size:1rem;margin-bottom:.4rem}
.carrier-card .carrier-phone{font-size:.88rem;color:var(--color-text-muted);margin-bottom:1rem}
.carrier-actions{display:flex;gap:.5rem;justify-content:center;flex-wrap:wrap}

/* ============================================================
   FORMS
   ============================================================ */
.form-wrap{
  background:var(--color-bg-card);border-radius:var(--radius);
  padding:2.5rem;border:1px solid var(--color-border);
}
.form-group{margin-bottom:1.2rem}
.form-group label{display:block;font-size:.85rem;font-weight:600;margin-bottom:.35rem;color:var(--color-text)}
.form-group input,.form-group select,.form-group textarea{
  width:100%;padding:.7rem 1rem;
  border:1px solid var(--color-border);border-radius:var(--radius-sm);
  font-family:var(--font-body);font-size:.95rem;
  background:var(--color-bg);transition:border-color var(--transition);
  min-height:44px;
}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{
  outline:none;border-color:var(--color-primary);box-shadow:0 0 0 3px rgba(0,133,133,.1);
}
.form-group textarea{resize:vertical;min-height:120px}
.form-group .error-msg{color:#dc2626;font-size:.8rem;margin-top:.3rem;display:none}
.form-group.has-error input,.form-group.has-error select,.form-group.has-error textarea{border-color:#dc2626}
.form-group.has-error .error-msg{display:block}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}
.form-disclosure{font-size:.8rem;color:var(--color-text-muted);margin-top:1rem;line-height:1.5}
.form-checkbox{display:flex;align-items:flex-start;gap:.6rem;margin-top:1rem}
.form-checkbox input[type="checkbox"]{width:18px;height:18px;margin-top:.15rem;flex-shrink:0;accent-color:var(--color-primary)}
.form-checkbox label{font-size:.85rem;color:var(--color-text-muted);font-weight:400}
.form-success,.form-error{
  padding:1rem;border-radius:var(--radius-sm);
  margin-top:1rem;font-size:.9rem;display:none;
}
.form-success{background:#d1fae5;color:#065f46;border:1px solid #6ee7b7}
.form-error{background:#fee2e2;color:#991b1b;border:1px solid #fca5a5}

/* ============================================================
   ACCORDION
   ============================================================ */
.accordion-item{
  border:1px solid var(--color-border);border-radius:var(--radius);
  margin-bottom:.8rem;overflow:hidden;background:var(--color-bg-card);
}
.accordion-btn{
  width:100%;background:none;border:none;cursor:pointer;
  padding:1rem 1.5rem;display:flex;justify-content:space-between;align-items:center;
  font-family:var(--font-body);font-size:1rem;font-weight:600;
  color:var(--color-text);text-align:left;transition:background var(--transition);
  min-height:44px;
}
.accordion-btn:hover{background:var(--color-bg-muted)}
.accordion-icon{
  font-size:1.2rem;transition:transform var(--transition);color:var(--color-primary);flex-shrink:0;margin-left:1rem;
}
.accordion-item.open .accordion-icon{transform:rotate(45deg)}
.accordion-body{max-height:0;overflow:hidden;transition:max-height .35s ease}
.accordion-item.open .accordion-body{max-height:800px}
.accordion-inner{padding:0 1.5rem 1.2rem;font-size:.92rem;color:var(--color-text-muted);line-height:1.7}

/* ============================================================
   SERVICE DETAIL PAGE
   ============================================================ */
.service-detail-content{max-width:800px}
.service-detail-content h2{margin-top:2rem;margin-bottom:.8rem}
.service-detail-content p{color:var(--color-text-muted);line-height:1.8}
.coverage-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:1rem;margin:1.5rem 0}
.coverage-item{
  display:flex;align-items:flex-start;gap:.6rem;font-size:.9rem;
  padding:1rem;background:var(--color-bg-muted);border-radius:var(--radius-sm);
}
.coverage-check{color:var(--color-secondary);font-weight:700;flex-shrink:0;font-size:1.1rem}

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem}
@media(max-width:768px){.contact-grid{grid-template-columns:1fr}}
.contact-info-card{
  display:flex;gap:1rem;align-items:flex-start;
  padding:1.5rem;background:var(--color-bg-card);
  border:1px solid var(--color-border);border-radius:var(--radius);
  transition:all var(--transition);margin-bottom:1rem;
}
.contact-info-card:hover{box-shadow:var(--shadow-card);transform:translateY(-2px)}
.contact-info-icon{
  flex-shrink:0;width:44px;height:44px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;
}
.contact-info-icon.teal{background:rgba(0,133,133,.1);color:var(--color-primary)}
.contact-info-icon.rust{background:rgba(199,82,42,.1);color:var(--color-accent)}
.contact-info-icon.sage{background:rgba(116,168,146,.12);color:var(--color-secondary)}
.contact-info-card h3{font-size:.95rem;margin-bottom:.2rem;font-family:var(--font-body);font-weight:700}
.contact-info-card p{font-size:.88rem;color:var(--color-text-muted);line-height:1.5}

/* ============================================================
   CUSTOMER PORTAL
   ============================================================ */
.portal-card{text-align:center;padding:2.5rem 1.5rem}
.portal-icon{
  width:60px;height:60px;border-radius:14px;margin:0 auto 1rem;
  display:flex;align-items:center;justify-content:center;font-size:1.6rem;
}
.portal-icon.teal{background:rgba(0,133,133,.1)}
.portal-icon.rust{background:rgba(199,82,42,.1)}
.portal-icon.sage{background:rgba(116,168,146,.12)}
.portal-icon.gold{background:rgba(229,193,133,.25)}
.portal-card h3{font-size:1.05rem;margin-bottom:.4rem}
.portal-card p{font-size:.88rem;color:var(--color-text-muted);margin-bottom:1.2rem}

/* ============================================================
   PRIVACY PAGE
   ============================================================ */
.prose{max-width:800px;margin:0 auto}
.prose h2{margin-top:2.5rem;margin-bottom:.6rem;font-size:1.4rem}
.prose h3{margin-top:1.5rem;margin-bottom:.4rem}
.prose p,.prose ul,.prose ol{font-size:.95rem;color:var(--color-text-muted);line-height:1.8}
.prose ul{margin:.8rem 0;padding-left:1.5rem;list-style:disc}
.prose li{margin-bottom:.3rem}

/* ============================================================
   MAP
   ============================================================ */
.map-embed{border-radius:var(--radius);overflow:hidden;margin-top:1.5rem;border:1px solid var(--color-border)}
.map-embed iframe{width:100%;height:300px;border:0}
.map-placeholder{
  border-radius:var(--radius);background:linear-gradient(135deg,var(--color-secondary),var(--color-primary));
  height:250px;display:flex;align-items:center;justify-content:center;
  color:#fff;font-size:1rem;font-weight:600;
}

/* ============================================================
   SCROLL ANIMATION
   ============================================================ */
.fade-up{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.fade-up.visible{opacity:1;transform:translateY(0)}

/* ============================================================
   CARRIERS BAR (homepage)
   ============================================================ */
.carriers-bar{padding:2rem 0;background:var(--color-bg-muted);text-align:center}
.carriers-bar .overline{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--color-text-muted);margin-bottom:1.2rem}
.carriers-logos{display:flex;justify-content:center;flex-wrap:wrap;gap:1.5rem 2.5rem}
.carrier-badge{
  width:90px;height:40px;border-radius:var(--radius-sm);
  background:var(--color-bg-card);border:1px solid var(--color-border);
  display:flex;align-items:center;justify-content:center;
  font-size:.6rem;font-weight:700;color:var(--color-text-muted);
  text-transform:uppercase;letter-spacing:.03em;
}

/* ============================================================
   INTRO BLOCK (centered text)
   ============================================================ */
.intro-block{max-width:720px;margin:0 auto;text-align:center}
.intro-block p{color:var(--color-text-muted);font-size:1.05rem;line-height:1.8}