/* ==========================================================================
   Wiswall Insurance — Production Stylesheet
   Modern, Ultra-Responsive, Accessible (WCAG AA) & Mobile-First Architecture
   Author: Senior Full-Stack Web Architect & Lead UI/UX Engineer
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Brand Colors derived from official assets */
  --color-primary-navy: #141b38;
  --color-primary-dark: #0a0e1f;
  --color-primary-light: #1e2850;
  --color-accent-blue: #0077c8;
  --color-accent-hover: #00599e;
  --color-accent-cyan: #4eadd1;
  --color-accent-gold: #c68a2c;
  --color-accent-gold-hover: #b07520;
  --color-gold-light: #fef8ec;
  --color-gold-border: #f6d8a7;

  /* Neutral Palette */
  --color-bg-page: #f8fafc;
  --color-bg-surface: #ffffff;
  --color-bg-surface-alt: #f1f5f9;
  --color-bg-navy: #141b38;
  --color-text-main: #0f172a;
  --color-text-body: #334155;
  --color-text-muted: #64748b;
  --color-text-inverse: #ffffff;
  --color-border: #e2e8f0;
  --color-border-subtle: #cbd5e1;
  --color-border-dark: rgba(255, 255, 255, 0.15);

  /* Status Colors */
  --color-success: #15803d;
  --color-success-bg: #f0fdf4;
  --color-error: #b91c1c;
  --color-error-bg: #fef2f2;

  /* Typography */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-body: 'Red Hat Text', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  /* Fluid Typography Scale */
  --text-xs: clamp(0.75rem, 0.72rem + 0.15vw, 0.8125rem);
  --text-sm: clamp(0.875rem, 0.84rem + 0.2vw, 0.9375rem);
  --text-base: clamp(1rem, 0.96rem + 0.25vw, 1.0625rem);
  --text-lg: clamp(1.125rem, 1.06rem + 0.35vw, 1.25rem);
  --text-xl: clamp(1.25rem, 1.15rem + 0.55vw, 1.5rem);
  --text-2xl: clamp(1.5rem, 1.35rem + 0.8vw, 1.875rem);
  --text-3xl: clamp(1.875rem, 1.6rem + 1.25vw, 2.375rem);
  --text-4xl: clamp(2.25rem, 1.85rem + 1.8vw, 3rem);
  --text-hero: clamp(2.5rem, 1.95rem + 2.5vw, 3.75rem);

  /* Spacing Scale */
  --space-2xs: 0.25rem;
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4.5rem;
  --space-4xl: 6rem;

  /* Layout & Container Constraints */
  --container-max-width: 1280px;
  --container-padding: clamp(1rem, 4vw, 2rem);
  --header-height: 80px;
  --topbar-height: 40px;

  /* Elevations & Shadows */
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.06), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 4px 8px -2px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 12px 24px -4px rgba(15, 23, 42, 0.08), 0 4px 6px -2px rgba(15, 23, 42, 0.03);
  --shadow-xl: 0 20px 35px -5px rgba(15, 23, 42, 0.12), 0 8px 10px -6px rgba(15, 23, 42, 0.05);
  --shadow-card-hover: 0 20px 40px -10px rgba(0, 119, 200, 0.2);

  /* Border Radii */
  --radius-xs: 4px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* --------------------------------------------------------------------------
   2. Reset & Fundamental Layout Guards (Strict Zero Overflow & Sticky Safe)
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 100%;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-rendering: optimizeLegibility;
  /* CRITICAL: overflow-x: clip ensures horizontal overrun is safely clipped 
     WITHOUT disabling position: sticky on header! */
  overflow-x: clip;
}

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.65;
  color: var(--color-text-body);
  background-color: var(--color-bg-page);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: clip;
}

/* Accessibility Skip Link */
.skip-link {
  position: absolute;
  top: -100px;
  inset-inline-start: var(--space-md);
  background: var(--color-accent-blue);
  color: #ffffff;
  padding: var(--space-sm) var(--space-lg);
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  font-weight: 600;
  font-size: var(--text-sm);
  z-index: 9999;
  text-decoration: none;
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 0;
  outline: 3px solid var(--color-accent-gold);
}

/* Global Media & Typography Resets */
img, picture, video, canvas, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

p, h1, h2, h3, h4, h5, h6 {
  overflow-wrap: break-word;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-text-main);
  line-height: 1.25;
  font-weight: 700;
}

a {
  color: var(--color-accent-blue);
  text-decoration: none;
  transition: color var(--transition-fast), opacity var(--transition-fast);
}

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

/* Accessible focus visible ring */
:focus-visible {
  outline: 3px solid var(--color-accent-blue);
  outline-offset: 3px;
}

/* Container Constraint */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-inline: auto;
  padding-inline: var(--container-padding);
}

.container-narrow {
  width: 100%;
  max-width: 960px;
  margin-inline: auto;
  padding-inline: var(--container-padding);
}

/* --------------------------------------------------------------------------
   3. Top Utility Bar & Sticky Header
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--color-primary-dark);
  color: rgba(255, 255, 255, 0.85);
  font-size: var(--text-xs);
  padding: 0.4rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-xs) var(--space-md);
}

.top-bar-contact {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-xs) var(--space-lg);
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 500;
}

.top-bar-item a {
  color: rgba(255, 255, 255, 0.88);
}

.top-bar-item a:hover {
  color: var(--color-accent-cyan);
}

.top-bar-social {
  display: inline-flex;
  align-items: center;
  gap: var(--space-md);
}

.top-bar-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.8);
  padding: 4px;
  border-radius: var(--radius-xs);
  transition: color var(--transition-fast), transform var(--transition-fast);
}

.top-bar-social a:hover {
  color: var(--color-accent-cyan);
  transform: translateY(-1px);
}

/* Primary Sticky Header — Direct Child of <body> */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 2px 10px rgba(15, 23, 42, 0.05);
  transition: background-color var(--transition-base), box-shadow var(--transition-base);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: var(--space-md);
}

.brand-logo-wrap {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.brand-logo {
  height: 48px;
  width: auto;
  max-width: 210px;
  object-fit: contain;
}

/* Primary Desktop Navigation */
.main-nav {
  display: none;
}

@media (min-width: 1024px) {
  .main-nav {
    display: flex;
    align-items: center;
    gap: var(--space-md);
  }

  .nav-list {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 0.35rem;
  }

  .nav-link {
    display: inline-flex;
    align-items: center;
    padding: 0.6rem 0.85rem;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text-main);
    border-radius: var(--radius-sm);
    transition: color var(--transition-fast), background-color var(--transition-fast);
    position: relative;
  }

  .nav-link:hover {
    color: var(--color-accent-blue);
    background-color: var(--color-bg-surface-alt);
  }

  .nav-link.active,
  .nav-link[aria-current="page"] {
    color: var(--color-accent-blue);
    background-color: rgba(0, 119, 200, 0.08);
  }

  .nav-link.active::after,
  .nav-link[aria-current="page"]::after {
    content: '';
    position: absolute;
    bottom: -1px;
    inset-inline-start: 0.85rem;
    inset-inline-end: 0.85rem;
    height: 3px;
    background-color: var(--color-accent-blue);
    border-radius: var(--radius-full);
  }

  .header-actions {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    margin-inline-start: var(--space-sm);
  }
}

/* Mobile Hamburger Button (Touch Target >= 48px) */
.mobile-menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  min-width: 48px;
  min-height: 48px;
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-text-main);
  cursor: pointer;
  padding: 0;
  transition: background-color var(--transition-fast), border-color var(--transition-fast);
}

.mobile-menu-toggle:hover {
  background-color: var(--color-bg-surface-alt);
  border-color: var(--color-border-subtle);
}

@media (min-width: 1024px) {
  .mobile-menu-toggle {
    display: none;
  }
}

/* Mobile Navigation Drawer */
.mobile-nav-drawer {
  display: block;
  position: fixed;
  top: calc(var(--header-height) + var(--topbar-height));
  inset-inline-start: 0;
  inset-inline-end: 0;
  bottom: 0;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-smooth), visibility var(--transition-smooth);
  z-index: 998;
}

.mobile-nav-drawer.open {
  opacity: 1;
  visibility: visible;
}

.mobile-nav-panel {
  position: absolute;
  top: 0;
  inset-inline-end: 0;
  width: 100%;
  max-width: 360px;
  height: 100%;
  background: var(--color-bg-surface);
  box-shadow: var(--shadow-xl);
  display: flex;
  flex-direction: column;
  padding: var(--space-lg);
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform var(--transition-smooth);
}

.mobile-nav-drawer.open .mobile-nav-panel {
  transform: translateX(0);
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  margin-bottom: var(--space-xl);
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-md) var(--space-md);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text-main);
  border-radius: var(--radius-sm);
  min-height: 48px;
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.mobile-nav-link:hover,
.mobile-nav-link.active,
.mobile-nav-link[aria-current="page"] {
  background-color: rgba(0, 119, 200, 0.08);
  color: var(--color-accent-blue);
}

.mobile-drawer-contact {
  margin-top: auto;
  padding-top: var(--space-lg);
  border-top: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  font-size: var(--text-sm);
}

/* --------------------------------------------------------------------------
   4. Buttons & Interactive Controls
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.4rem;
  min-height: 48px;
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background-color: var(--color-accent-blue);
  color: #ffffff;
  border-color: var(--color-accent-blue);
  box-shadow: 0 4px 12px rgba(0, 119, 200, 0.25);
}

.btn-primary:hover {
  background-color: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(0, 119, 200, 0.35);
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-primary-navy);
  border-color: var(--color-primary-navy);
}

.btn-secondary:hover {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  transform: translateY(-1px);
}

.btn-gold {
  background-color: var(--color-accent-gold);
  color: #ffffff;
  border-color: var(--color-accent-gold);
  box-shadow: 0 4px 12px rgba(198, 138, 44, 0.25);
}

.btn-gold:hover {
  background-color: var(--color-accent-gold-hover);
  border-color: var(--color-accent-gold-hover);
  color: #ffffff;
  transform: translateY(-1px);
}

.btn-outline-white {
  background-color: transparent;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.85);
}

.btn-outline-white:hover {
  background-color: #ffffff;
  color: var(--color-primary-navy);
  border-color: #ffffff;
}

.btn-sm {
  padding: 0.5rem 1rem;
  min-height: 40px;
  font-size: var(--text-xs);
}

.btn-block {
  width: 100%;
}

/* --------------------------------------------------------------------------
   5. Hero Sections (Homepage & Subpages)
   -------------------------------------------------------------------------- */
.hero-home {
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  background-color: var(--color-primary-navy);
  color: #ffffff;
  overflow: hidden;
  padding: var(--space-3xl) 0;
}

.hero-video-bg {
  position: absolute;
  top: 50%;
  left: 50%;
  min-width: 100%;
  min-height: 100%;
  width: auto;
  height: auto;
  transform: translate(-50%, -50%);
  object-fit: cover;
  z-index: 1;
  opacity: 0.38;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(14, 23, 56, 0.92) 0%, rgba(20, 27, 56, 0.82) 60%, rgba(0, 119, 200, 0.5) 100%);
  z-index: 2;
}

.hero-content {
  position: relative;
  z-index: 3;
  max-width: 820px;
}

.badge-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.35rem 0.85rem;
  background-color: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #ffffff;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
}

.badge-tag-gold {
  background-color: rgba(198, 138, 44, 0.2);
  border-color: var(--color-accent-gold);
  color: #fde68a;
}

.hero-title {
  font-size: var(--text-hero);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: var(--space-lg);
  letter-spacing: -0.02em;
}

.hero-lead {
  font-size: var(--text-lg);
  color: rgba(255, 255, 255, 0.92);
  line-height: 1.6;
  margin-bottom: var(--space-xl);
  max-width: 680px;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
}

.hero-badges-row {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-lg) var(--space-2xl);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-stat-item {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.hero-stat-num {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-accent-cyan);
  line-height: 1;
}

.hero-stat-desc {
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.25;
}

/* Subpage Hero Banner */
.page-hero {
  position: relative;
  background: linear-gradient(135deg, var(--color-primary-navy) 0%, var(--color-primary-dark) 100%);
  color: #ffffff;
  padding: var(--space-3xl) 0 var(--space-2xl);
  overflow: hidden;
  border-bottom: 3px solid var(--color-accent-blue);
}

.page-hero-title {
  font-size: var(--text-4xl);
  color: #ffffff;
  margin-bottom: var(--space-sm);
  line-height: 1.2;
}

.page-hero-lead {
  font-size: var(--text-lg);
  color: rgba(255, 255, 255, 0.88);
  max-width: 760px;
  line-height: 1.6;
}

.breadcrumb-nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: var(--space-md);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.breadcrumb-nav a {
  color: rgba(255, 255, 255, 0.85);
}

.breadcrumb-nav a:hover {
  color: var(--color-accent-cyan);
}

/* --------------------------------------------------------------------------
   6. Sections & Cards Architecture
   -------------------------------------------------------------------------- */
.section {
  padding: var(--space-3xl) 0;
}

.section-alt {
  background-color: var(--color-bg-surface-alt);
}

.section-navy {
  background-color: var(--color-primary-navy);
  color: #ffffff;
}

.section-navy h2, .section-navy h3 {
  color: #ffffff;
}

.section-header {
  text-align: center;
  max-width: 780px;
  margin-inline: auto;
  margin-bottom: var(--space-2xl);
}

.section-header-start {
  text-align: start;
  margin-inline: 0;
}

.section-subtitle {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent-blue);
  margin-bottom: var(--space-xs);
}

.section-navy .section-subtitle {
  color: var(--color-accent-cyan);
}

.section-title {
  font-size: var(--text-3xl);
  margin-bottom: var(--space-sm);
}

.section-desc {
  font-size: var(--text-base);
  color: var(--color-text-muted);
}

.section-navy .section-desc {
  color: rgba(255, 255, 255, 0.8);
}

/* Service / Product Cards Grid */
.cards-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
}

.cards-grid-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
}

.cards-grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
}

@media (min-width: 640px) {
  .cards-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .cards-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .cards-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
  .cards-grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
  .cards-grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* Service Card */
.service-card {
  background-color: var(--color-bg-surface);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-fast);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: var(--color-accent-cyan);
}

.service-card-media {
  position: relative;
  aspect-ratio: 16 / 10;
  width: 100%;
  overflow: hidden;
  background-color: var(--color-bg-surface-alt);
}

.service-card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform var(--transition-smooth);
}

.service-card:hover .service-card-media img {
  transform: scale(1.05);
}

.service-card-body {
  padding: var(--space-lg);
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.service-card-title {
  font-size: var(--text-xl);
  margin-bottom: var(--space-xs);
  color: var(--color-text-main);
}

.service-card-desc {
  font-size: var(--text-sm);
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: var(--space-lg);
  flex-grow: 1;
}

.service-card-footer {
  margin-top: auto;
  padding-top: var(--space-sm);
  border-top: 1px solid var(--color-border);
}

/* Feature & Value Proposition Blocks */
.feature-box {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.feature-box:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.feature-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-sm);
  background-color: rgba(0, 119, 200, 0.1);
  color: var(--color-accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
}

.feature-box-gold .feature-icon-wrap {
  background-color: rgba(198, 138, 44, 0.12);
  color: var(--color-accent-gold);
}

.feature-box h3 {
  font-size: var(--text-lg);
  margin-bottom: var(--space-xs);
}

.feature-box p {
  font-size: var(--text-sm);
  color: var(--color-text-body);
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   7. Team Section (Meet the Team)
   -------------------------------------------------------------------------- */
.team-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.team-card-media {
  position: relative;
  aspect-ratio: 4 / 5;
  width: 100%;
  overflow: hidden;
  background-color: var(--color-bg-surface-alt);
}

.team-card-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.team-card-body {
  padding: var(--space-lg);
  text-align: center;
}

.team-member-name {
  font-size: var(--text-xl);
  margin-bottom: 0.25rem;
}

.team-member-role {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-accent-blue);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: var(--space-sm);
}

.team-member-bio {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   8. Claims Checklist & Carrier Directory (41 Carriers)
   -------------------------------------------------------------------------- */
.claims-checklist-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
  margin-bottom: var(--space-2xl);
}

@media (min-width: 640px) {
  .claims-checklist-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .claims-checklist-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.claims-step-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-top: 4px solid var(--color-accent-blue);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.claims-step-num {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-accent-blue);
  margin-bottom: var(--space-xs);
}

.claims-step-card h3 {
  font-size: var(--text-lg);
  margin-bottom: var(--space-xs);
}

.claims-step-card p {
  font-size: var(--text-sm);
  color: var(--color-text-body);
  line-height: 1.6;
}

/* Search and Filter for 41 Carriers */
.carrier-search-toolbar {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
  margin-bottom: var(--space-xl);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

@media (min-width: 768px) {
  .carrier-search-toolbar {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}

.carrier-search-input-wrap {
  position: relative;
  flex-grow: 1;
  max-width: 480px;
}

.carrier-search-input {
  width: 100%;
  padding: 0.75rem 1rem 0.75rem 2.8rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: var(--text-sm);
  background-color: var(--color-bg-page);
  transition: border-color var(--transition-fast), background-color var(--transition-fast);
}

.carrier-search-input:focus {
  border-color: var(--color-accent-blue);
  background-color: #ffffff;
}

.carrier-search-icon {
  position: absolute;
  top: 50%;
  inset-inline-start: 1rem;
  transform: translateY(-50%);
  color: var(--color-text-muted);
  pointer-events: none;
}

.carrier-count-badge {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text-muted);
  white-space: nowrap;
}

/* 41 Carriers Grid */
.carriers-directory-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}

@media (min-width: 520px) {
  .carriers-directory-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 840px) {
  .carriers-directory-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 1140px) {
  .carriers-directory-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.carrier-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-lg) var(--space-md);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.carrier-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-accent-blue);
}

.carrier-logo-wrap {
  width: 100%;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
  padding: var(--space-xs);
}

.carrier-logo-img {
  max-width: 180px;
  max-height: 60px;
  object-fit: contain;
  transition: transform var(--transition-fast);
}

.carrier-card:hover .carrier-logo-img {
  transform: scale(1.05);
}

.carrier-name {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text-main);
  margin-bottom: var(--space-md);
  min-height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.carrier-actions {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  width: 100%;
  margin-top: auto;
}

.btn-carrier {
  padding: 0.5rem 0.75rem;
  font-size: var(--text-xs);
  min-height: 40px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  text-transform: none;
  letter-spacing: normal;
}

.btn-carrier-pay {
  background-color: var(--color-bg-surface-alt);
  color: var(--color-primary-navy);
  border: 1px solid var(--color-border);
}

.btn-carrier-pay:hover {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  border-color: var(--color-primary-navy);
}

.btn-carrier-claim {
  background-color: rgba(0, 119, 200, 0.08);
  color: var(--color-accent-blue);
  border: 1px solid rgba(0, 119, 200, 0.2);
}

.btn-carrier-claim:hover {
  background-color: var(--color-accent-blue);
  color: #ffffff;
  border-color: var(--color-accent-blue);
}

/* --------------------------------------------------------------------------
   9. Private Client Group Styling
   -------------------------------------------------------------------------- */
.private-client-hero {
  background: radial-gradient(circle at top right, #1f2d5a 0%, #0d142b 100%);
  color: #ffffff;
  padding: var(--space-4xl) 0 var(--space-3xl);
  border-bottom: 3px solid var(--color-accent-gold);
}

.private-asset-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
}

@media (min-width: 640px) {
  .private-asset-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .private-asset-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.private-asset-card {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.private-asset-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent-gold);
}

.private-asset-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background-color: var(--color-gold-light);
  color: var(--color-accent-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
}

.private-asset-card h3 {
  font-size: var(--text-lg);
  margin-bottom: var(--space-xs);
  color: var(--color-primary-navy);
}

.private-asset-card p {
  font-size: var(--text-sm);
  color: var(--color-text-body);
  line-height: 1.6;
}

/* Comparison Table (Ordinary vs. Extraordinary) */
.comparison-table-wrap {
  width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: var(--space-xl) 0;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background-color: var(--color-bg-surface);
  text-align: start;
}

.comparison-table th,
.comparison-table td {
  padding: var(--space-md) var(--space-lg);
  border-bottom: 1px solid var(--color-border);
  font-size: var(--text-sm);
}

.comparison-table th {
  background-color: var(--color-primary-navy);
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 700;
  letter-spacing: 0.03em;
}

.comparison-table th.col-private {
  background-color: #0b1122;
  color: #fde68a;
}

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

.comparison-table tr:hover td {
  background-color: var(--color-bg-surface-alt);
}

/* --------------------------------------------------------------------------
   10. Interactive FAQ Accordion (AEO/GEO Optimized)
   -------------------------------------------------------------------------- */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  max-width: 900px;
  margin-inline: auto;
}

.faq-item {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--color-border-subtle);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-lg);
  background: none;
  border: none;
  text-align: start;
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text-main);
  cursor: pointer;
  gap: var(--space-md);
}

.faq-question:hover {
  color: var(--color-accent-blue);
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-full);
  background-color: var(--color-bg-surface-alt);
  color: var(--color-accent-blue);
  transition: transform var(--transition-smooth), background-color var(--transition-fast);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background-color: var(--color-accent-blue);
  color: #ffffff;
}

.faq-answer {
  display: none;
  padding: 0 var(--space-lg) var(--space-lg);
  font-size: var(--text-base);
  color: var(--color-text-body);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  display: block;
}

/* --------------------------------------------------------------------------
   11. Forms & Inputs (WCAG 2.1 AA Accessible Labels & Focus)
   -------------------------------------------------------------------------- */
.form-group {
  margin-bottom: var(--space-md);
}

.form-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text-main);
  margin-bottom: 0.35rem;
}

.form-label .required {
  color: var(--color-error);
  margin-inline-start: 0.2rem;
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  min-height: 48px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background-color: var(--color-bg-page);
  color: var(--color-text-main);
  font-size: var(--text-base);
  transition: border-color var(--transition-fast), background-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
  outline: none;
  border-color: var(--color-accent-blue);
  background-color: #ffffff;
  box-shadow: 0 0 0 3px rgba(0, 119, 200, 0.18);
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}

@media (min-width: 640px) {
  .form-grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

.form-status {
  padding: var(--space-md);
  border-radius: var(--radius-sm);
  margin-top: var(--space-md);
  font-size: var(--text-sm);
  display: none;
}

.form-status.success {
  display: block;
  background-color: var(--color-success-bg);
  color: var(--color-success);
  border: 1px solid #bbf7d0;
}

.form-status.error {
  display: block;
  background-color: var(--color-error-bg);
  color: var(--color-error);
  border: 1px solid #fecaca;
}

/* --------------------------------------------------------------------------
   12. Pre-Footer Modules & Callout Banners
   -------------------------------------------------------------------------- */
.pre-footer-inquiry {
  background-color: var(--color-bg-surface-alt);
  padding: var(--space-3xl) 0;
  border-top: 1px solid var(--color-border);
}

.inquiry-card-wrapper {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  box-shadow: var(--shadow-lg);
  max-width: 880px;
  margin-inline: auto;
}

.cta-banner {
  background: linear-gradient(135deg, var(--color-primary-navy) 0%, var(--color-accent-hover) 100%);
  color: #ffffff;
  padding: var(--space-2xl) 0;
  text-align: center;
}

.cta-banner-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-lg);
}

@media (min-width: 768px) {
  .cta-banner-inner {
    flex-direction: row;
    justify-content: space-between;
    text-align: start;
  }
}

.cta-banner-title {
  font-size: var(--text-2xl);
  color: #ffffff;
  margin-bottom: 0.3rem;
}

.cta-banner-desc {
  font-size: var(--text-base);
  color: rgba(255, 255, 255, 0.85);
}

.cta-banner-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-md);
}

.ipa-partnership-bar {
  background-color: var(--color-primary-dark);
  color: #ffffff;
  padding: var(--space-lg) 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.ipa-partnership-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-md) var(--space-xl);
  text-align: center;
}

.ipa-logo-img {
  height: 42px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
}

/* --------------------------------------------------------------------------
   13. Global Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-primary-dark);
  color: rgba(255, 255, 255, 0.8);
  font-size: var(--text-sm);
  padding: var(--space-3xl) 0 var(--space-xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-2xl);
  margin-bottom: var(--space-3xl);
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
  }
}

.footer-col-brand .footer-logo {
  height: 44px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  margin-bottom: var(--space-md);
}

.footer-brand-text {
  font-size: var(--text-sm);
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: var(--space-md);
  max-width: 320px;
}

.footer-heading {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  color: #ffffff;
  margin-bottom: var(--space-lg);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: relative;
  padding-bottom: 0.5rem;
}

.footer-heading::after {
  content: '';
  position: absolute;
  bottom: 0;
  inset-inline-start: 0;
  width: 32px;
  height: 2px;
  background-color: var(--color-accent-blue);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.footer-links a {
  color: rgba(255, 255, 255, 0.75);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.25rem 0;
  transition: color var(--transition-fast), transform var(--transition-fast);
}

.footer-links a:hover {
  color: var(--color-accent-cyan);
  transform: translateX(3px);
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  color: rgba(255, 255, 255, 0.75);
}

.footer-contact-icon {
  flex-shrink: 0;
  color: var(--color-accent-cyan);
  margin-top: 2px;
}

.footer-bottom {
  padding-top: var(--space-xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.6);
  text-align: center;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
    text-align: start;
  }
}

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

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

/* --------------------------------------------------------------------------
   14. Floating Back-to-Top Button (>= 48px Touch Target)
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 24px;
  inset-inline-end: 24px;
  width: 48px;
  height: 48px;
  min-width: 48px;
  min-height: 48px;
  border-radius: var(--radius-full);
  background-color: var(--color-accent-blue);
  color: #ffffff;
  border: none;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transform: translateY(14px);
  transition: opacity var(--transition-base), visibility var(--transition-base), transform var(--transition-base), background-color var(--transition-fast);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background-color: var(--color-accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.3);
}

/* --------------------------------------------------------------------------
   15. Interactive Quote & Contact Modal
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(6px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-md);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-smooth), visibility var(--transition-smooth);
}

.modal-overlay.open {
  opacity: 1;
  visibility: visible;
}

.modal-container {
  background-color: var(--color-bg-surface);
  border-radius: var(--radius-lg);
  max-width: 640px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
  transform: scale(0.96) translateY(12px);
  transition: transform var(--transition-smooth);
  position: relative;
}

.modal-overlay.open .modal-container {
  transform: scale(1) translateY(0);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-lg) var(--space-xl);
  border-bottom: 1px solid var(--color-border);
  background-color: var(--color-bg-surface-alt);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.modal-title {
  font-size: var(--text-xl);
  margin: 0;
}

.modal-close-btn {
  width: 44px;
  height: 44px;
  min-width: 44px;
  min-height: 44px;
  background: transparent;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-text-main);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: background-color var(--transition-fast);
}

.modal-close-btn:hover {
  background-color: var(--color-border);
}

.modal-body {
  padding: var(--space-xl);
}


/* Accessibility Utility: Visually Hidden */
.visually-hidden {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}