/* ============================================================
   POLICY EXPERT — STYLESHEET
   Design tokens, base styles, components, layout, responsive rules
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* Colour palette */
  --navy: #0B2345;
  --navy-dark: #071A33;
  --gold: #C89B3C;
  --gold-dark: #a97f2c;
  --white: #FFFFFF;
  --grey-light: #F5F7FA;
  --grey-text: #52606D;
  --border-soft: #E3E8EF;

  /* Typography */
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Premium page typography (Home / About redesigns) */
  --premium-font-display: "Playfair Display", var(--font-display);
  --premium-font-body: "Poppins", var(--font-body);

  /* Spacing scale */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.75rem;
  --space-lg: 3rem;
  --space-xl: 5rem;

  /* Shape / shadow */
  --radius-md: 14px;
  --radius-lg: 22px;
  --shadow-soft: 0 4px 18px rgba(11, 35, 69, 0.07);
  --shadow-hover: 0 12px 32px rgba(11, 35, 69, 0.14);

  /* Layout */
  --max-width: 1180px;
  --header-height: 160px;
}

/* ---------- Reset ---------- */
* , *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body, h1, h2, h3, h4, p, ul, li, figure { margin: 0; padding: 0; }
ul { list-style: none; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { font: inherit; cursor: pointer; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * , *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

/* ---------- Base ---------- */
body {
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.2;
  font-weight: 600;
}

h1 { font-size: clamp(2.1rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.35rem); }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.05rem; }

p { color: var(--grey-text); }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section { padding: var(--space-xl) 0; }
.alt-bg { background: var(--grey-light); }

.eyebrow {
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.78rem;
  color: var(--gold-dark);
  margin-bottom: var(--space-xs);
}
.eyebrow.center { text-align: center; }
.center { text-align: center; }

.section-title { margin-bottom: var(--space-sm); }
.section-title.center { text-align: center; max-width: 780px; margin-left: auto; margin-right: auto; }

.section-subtitle {
  max-width: 640px;
  font-size: 1.05rem;
}
.section-subtitle.center { margin: 0 auto var(--space-lg); text-align: center; }

.text-gold { color: var(--gold); }

/* Skip link for accessibility */
.skip-link {
  position: absolute;
  left: -999px;
  top: auto;
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  z-index: 999;
  border-radius: 0 0 8px 0;
}
.skip-link:focus {
  left: 0;
  top: 0;
}

/* Visible keyboard focus */
a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

/* ---------- Buttons ---------- */
.btn {
  position: relative;
  overflow: hidden;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-soft);
}
.btn-primary:hover { background: var(--navy-dark); box-shadow: var(--shadow-hover); }

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

.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
  box-shadow: var(--shadow-soft);
}
.btn-gold:hover { background: var(--gold-dark); box-shadow: var(--shadow-hover); }

.btn-full { width: 100%; }
.btn-nav { margin-left: var(--space-md); }

.center-cta { text-align: center; margin-top: var(--space-lg); }

/* ---------- Header / Navigation ---------- */
/* Nav is now always visible/solid (not transparent-over-hero) so it reads
   clearly from the very top of the page, on every viewport. */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border-soft);
  box-shadow: 0 2px 14px rgba(11,35,69,0.06);
  transition: box-shadow 0.25s ease;
}
.site-header.scrolled {
  box-shadow: 0 2px 14px rgba(11,35,69,0.1);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  height: var(--header-height);
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex: 0 1 auto;
  max-width: 460px;
  min-width: 0;
}
.logo-mark { flex-shrink: 0; line-height: 0; }
.header-logo-img {
  /* ~30% larger again, per the latest enhancement pass */
  width: 135px;
  height: 135px;
  object-fit: contain;
}
.logo-text { display: flex; flex-direction: column; min-width: 0; }
.logo-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
}
.logo-tag {
  display: block;
  font-size: 0.74rem;
  color: var(--grey-text);
  letter-spacing: 0.02em;
  max-width: 300px;
  line-height: 1.35;
  white-space: normal;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex: 0 0 auto;
  margin-left: auto;
}
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  white-space: nowrap;
}

/* ---------- Services mega menu ---------- */
.nav-item-dropdown { position: relative; display: flex; align-items: center; }
.nav-chevron { flex-shrink: 0; transition: transform 0.2s ease; }
.nav-item-dropdown:hover .nav-chevron,
.nav-item-dropdown:focus-within .nav-chevron { transform: rotate(180deg); }

.nav-dropdown-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  background: none;
  border: none;
  padding: 0;
  margin-left: 2px;
  color: var(--navy);
  cursor: pointer;
}
.nav-dropdown-toggle svg { transition: transform 0.2s ease; }

/* Invisible bridge closes the gap between the "Services" link and the
   floating menu below it, so moving the cursor down into the menu never
   triggers a premature :hover-out. */
.nav-item-dropdown::after {
  content: "";
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  width: 100%;
  height: 18px;
}

.nav-mega-menu {
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  width: 660px;
  max-width: 90vw;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.25rem 1.5rem;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-hover);
  padding: 1.25rem 1.5rem;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  z-index: 900;
}
.nav-mega-col {
  display: flex;
  flex-direction: column;
}
.nav-mega-col:first-child {
  border-right: 1px solid var(--border-soft);
  padding-right: 1.25rem;
}
.nav-item-dropdown:hover .nav-mega-menu,
.nav-item-dropdown:focus-within .nav-mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-mega-link {
  display: block;
  padding: 0.55rem 0.6rem;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.4;
  transition: background 0.15s ease, color 0.15s ease;
}
.nav-mega-link:hover,
.nav-mega-link:focus-visible { background: rgba(200,155,60,0.08); color: var(--gold-dark); }
.nav-mega-link-all {
  font-weight: 700;
  color: var(--gold-dark);
  border-bottom: 1px solid var(--border-soft);
  border-radius: 8px 8px 0 0;
  margin-bottom: 0.3rem;
  padding-bottom: 0.75rem;
}

.nav-link {
  position: relative;
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--navy);
  padding: 0.4rem 0.1rem;
}
/* Services trigger link: keeps text + chevron perfectly centered together
   so the whole item sits on the exact same baseline as the plain-text
   nav links beside it (Home, Who We Serve, About Us, Contact). */
.nav-link-with-dropdown {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  line-height: 1;
  margin: 0;
  top: 0;
  transform: none;
}
.nav-link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -4px;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 0.2s ease;
}
.nav-link:hover::after,
.nav-link.active-link::after { width: 100%; }

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: transparent;
  border: none;
  padding: 0;
}
.hamburger span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.25s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  padding-top: var(--space-xl);
  padding-bottom: var(--space-xl);
  background: linear-gradient(180deg, var(--grey-light) 0%, var(--white) 70%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-lg);
  align-items: center;
}
.hero-title { margin-bottom: var(--space-sm); }
.hero-subtitle { font-size: 1.08rem; max-width: 540px; margin-bottom: var(--space-md); }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: var(--space-lg); }

.hero-trust {
  display: flex;
  gap: var(--space-lg);
  flex-wrap: wrap;
  border-top: 1px solid var(--border-soft);
  padding-top: var(--space-md);
}
.trust-item { display: flex; flex-direction: column; }
.trust-number {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.6rem;
  color: var(--navy);
}
.trust-label { font-size: 0.8rem; color: var(--grey-text); max-width: 140px; }

/* Hero flow diagram (signature element) */
.flow-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: var(--space-lg) var(--space-md);
  box-shadow: var(--shadow-hover);
  position: relative;
  overflow: hidden;
}
.flow-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 10%, rgba(200,155,60,0.18), transparent 55%);
  pointer-events: none;
}
.flow-card-label {
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 0.75rem;
  margin-bottom: var(--space-md);
}
.flow-diagram { display: flex; flex-direction: column; }
.flow-stage {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: var(--white);
  opacity: 0.35;
  transform: translateX(-6px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}
.flow-stage.is-active {
  opacity: 1;
  transform: translateX(0);
}
.flow-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(200,155,60,0.4);
  color: var(--gold);
  flex-shrink: 0;
}
.flow-stage.is-active .flow-icon {
  background: var(--gold);
  color: var(--navy-dark);
}
.flow-text { font-weight: 500; font-size: 0.98rem; }
.flow-connector {
  width: 1px;
  height: 26px;
  background: rgba(255,255,255,0.18);
  margin-left: 21px;
}
.flow-card-footnote {
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  margin-top: var(--space-md);
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: var(--space-sm);
}

/* ---------- Placeholder boxes ---------- */
.placeholder-box {
  background: repeating-linear-gradient(45deg, var(--grey-light), var(--grey-light) 10px, #eef1f5 10px, #eef1f5 20px);
  border: 2px dashed var(--border-soft);
  border-radius: var(--radius-lg);
  min-height: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--space-md);
}
.placeholder-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--grey-text);
  background: var(--white);
  padding: 0.5rem 1rem;
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
}
.placeholder-box-sm {
  background: var(--grey-light);
  border: 1.5px dashed var(--border-soft);
  border-radius: var(--radius-md);
  min-height: 70px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  color: var(--grey-text);
  font-weight: 500;
}

/* ---------- Intro section ---------- */
.intro-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-lg);
  align-items: center;
}
.intro-copy p { margin-bottom: var(--space-sm); }

/* ---------- Cards & grids ---------- */
.card-grid {
  display: grid;
  gap: var(--space-md);
}
.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid-3 { grid-template-columns: repeat(3, 1fr); }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  box-shadow: var(--shadow-soft);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}
.card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--grey-light);
  color: var(--navy);
  margin-bottom: var(--space-sm);
}
.card h3, .card h4 { margin-bottom: 0.5rem; }

/* ---------- Lines of business ---------- */
.lines-of-business {
  margin-top: var(--space-xl);
  padding-top: var(--space-lg);
  border-top: 1px solid var(--border-soft);
  text-align: center;
}
.lines-of-business h3 { margin-bottom: var(--space-md); }
.lines-of-business .preview-tags { margin-bottom: var(--space-md); }

/* ---------- Preview tags ---------- */
.preview-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  justify-content: center;
}
.tag {
  background: var(--grey-light);
  border: 1px solid var(--border-soft);
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 0.55rem 1.1rem;
  border-radius: 999px;
  transition: background 0.2s ease, color 0.2s ease;
}
.tag:hover { background: var(--navy); color: var(--white); }

/* ---------- Challenges we solve ---------- */
.challenges-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}
.challenges-copy {
  background: var(--grey-light);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}
.challenges-copy.solution-copy {
  background: var(--navy);
}
.challenges-copy.solution-copy h2,
.challenges-copy.solution-copy .eyebrow { color: var(--white); }
.challenges-copy.solution-copy .eyebrow { color: var(--gold); }
.challenges-copy.solution-copy p { color: rgba(255,255,255,0.8); }
.challenges-copy.solution-copy .challenge-result { color: var(--white); }
.challenge-list { margin: var(--space-sm) 0; }
.challenge-list .check-icon { color: var(--gold-dark); }
.challenge-result { color: var(--navy); margin-top: var(--space-sm); }

/* ---------- Why us ---------- */
.why-us-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: center;
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  margin-bottom: 0.9rem;
  font-weight: 500;
  color: var(--navy);
}
.check-icon {
  color: var(--gold-dark);
  font-weight: 700;
}

/* ---------- Flexible staffing support ---------- */
.staffing-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}
.staffing-copy p { margin-bottom: var(--space-sm); }
.staffing-copy .preview-tags { justify-content: flex-start; margin-bottom: var(--space-sm); }

/* ---------- Carrier logos ---------- */
.carrier-logo-row {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: var(--space-sm);
}
.carrier-logo-note {
  text-align: center;
  font-size: 0.82rem;
  color: var(--grey-text);
  margin-top: var(--space-sm);
}
.carrier-logo-note code {
  background: var(--grey-light);
  padding: 0.1rem 0.4rem;
  border-radius: 4px;
  font-size: 0.8rem;
}
.tools-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-top: var(--space-lg);
}
.tools-card { text-align: center; }
.tools-card h3 { margin-bottom: 0.4rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--navy);
  border-radius: var(--radius-lg);
  margin: 0 1.5rem;
  padding: var(--space-xl) var(--space-md);
}
.cta-band-inner {
  text-align: center;
  max-width: 640px;
}
.cta-band h2 { color: var(--white); margin-bottom: var(--space-xs); }
.cta-band p { color: rgba(255,255,255,0.75); margin-bottom: var(--space-md); }

/* ---------- About page ---------- */
.about-overview {
  max-width: 820px;
  margin: 0 auto var(--space-lg);
  text-align: center;
  font-size: 1.08rem;
}
.mission-vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
}
.values-heading { margin-bottom: var(--space-md); }
.values-grid { margin-bottom: var(--space-xl); }

.ceo-profile {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: var(--space-lg);
  align-items: center;
  background: var(--grey-light);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}
.ceo-photo { min-height: 300px; background: repeating-linear-gradient(45deg, var(--white), var(--white) 10px, #eef1f5 10px, #eef1f5 20px); }
.ceo-title { color: var(--gold-dark); font-weight: 600; margin-bottom: var(--space-sm); }
.ceo-copy p { margin-bottom: var(--space-sm); }
.ceo-badges { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: var(--space-sm); }
.ceo-badges li {
  background: var(--navy);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 0.4rem 0.9rem;
  border-radius: 999px;
}

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: var(--space-lg);
  align-items: start;
}
.contact-form h3 { margin-bottom: var(--space-md); }
.form-row { display: flex; flex-direction: column; margin-bottom: var(--space-sm); }
.form-row label { font-weight: 600; font-size: 0.9rem; margin-bottom: 0.4rem; color: var(--navy); }
.form-row input,
.form-row textarea {
  border: 1.5px solid var(--border-soft);
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.2s ease;
  resize: vertical;
}
.form-row input:focus,
.form-row textarea:focus { border-color: var(--gold); }
.form-row.has-error input,
.form-row.has-error textarea { border-color: #C0392B; }
.form-error {
  color: #C0392B;
  font-size: 0.8rem;
  min-height: 1.1em;
  margin-top: 0.3rem;
}
.form-status {
  margin-top: var(--space-sm);
  font-weight: 600;
  font-size: 0.92rem;
  min-height: 1.2em;
}
.form-status.success { color: #1E7B4D; }
.form-status.error { color: #C0392B; }

.contact-details { display: flex; flex-direction: column; gap: var(--space-sm); }
.contact-card { display: flex; align-items: center; gap: 1rem; }
.contact-card a { font-weight: 600; color: var(--navy); }
.contact-card a:hover { color: var(--gold-dark); }
.contact-cta-card { display: block; }
.contact-cta-card p { margin: 0.5rem 0 var(--space-sm); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: var(--space-xl) 0 var(--space-sm);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--space-lg);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-col-heading {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: var(--space-sm);
}
.footer-brand { display: flex; gap: 0.75rem; align-items: center; margin-bottom: var(--space-sm); }
.logo-mark-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--white);
  border-radius: 8px;
  padding: 3px;
  line-height: 0;
}
.footer-name { color: var(--white); font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; }
.footer-tag { font-size: 0.8rem; }
.footer-about { font-size: 0.88rem; line-height: 1.6; max-width: 320px; margin-bottom: var(--space-md); }
.footer-social { display: flex; gap: 0.6rem; }
.footer-social-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.85);
  transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}
.footer-social-icon:hover { background: var(--gold); color: var(--navy-dark); transform: translateY(-2px); }
.footer-nav { display: flex; flex-direction: column; gap: 0.6rem; }
/* Services column has 8 items (some with longer names), so it uses a
   compact 2-column layout on desktop/tablet and reverts to a single
   column on mobile alongside the rest of the footer. */
.footer-nav a:hover { color: var(--gold); }
.footer-view-all-link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: 0.75rem;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--gold);
  transition: gap 0.2s ease, color 0.2s ease;
}
.footer-view-all-link:hover { gap: 0.55rem; color: var(--gold-dark); }
.footer-contact { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-contact a:hover { color: var(--gold); }
.footer-linkedin-link { display: inline-flex; align-items: center; gap: 0.5rem; }
.footer-bottom {
  padding-top: var(--space-md);
  font-size: 0.8rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 0.75rem;
}
.footer-legal-links { display: flex; gap: 0.6rem; align-items: center; }
.footer-legal-links a:hover { color: var(--gold); }
.footer-legal-links span { color: rgba(255,255,255,0.35); }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ---------- Fade-in animations ---------- */
.fade-in {
  animation: fadeInUp 0.8s ease both;
}
.fade-in:nth-child(2) { animation-delay: 0.15s; }

.fade-in-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   RESPONSIVE — TABLET
   ============================================================ */
@media (max-width: 1024px) {
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .card-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .carrier-logo-row { grid-template-columns: repeat(3, 1fr); }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; }
  .intro-grid, .why-us-grid, .ceo-profile, .contact-grid, .mission-vision-grid,
  .challenges-grid, .tools-grid, .staffing-grid {
    grid-template-columns: 1fr;
  }
  .ceo-photo { min-height: 240px; }
}

/* ============================================================
   RESPONSIVE — MOBILE
   ============================================================ */
@media (max-width: 720px) {
  :root { --header-height: 120px; }

  .main-nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: var(--space-md) 1.5rem;
    border-bottom: 1px solid var(--border-soft);
    box-shadow: var(--shadow-soft);
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.2s ease, transform 0.2s ease;
  }
  .main-nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }
  .main-nav ul {
    flex-direction: column;
    gap: 1rem;
    width: 100%;
    margin-bottom: var(--space-sm);
  }
  .btn-nav { margin-left: 0; width: 100%; }
  .hamburger { display: flex; }

  /* Services menu becomes a tap-to-expand accordion within the mobile
     nav, since hover isn't available on touch devices. Collapses to a
     single vertical list instead of the desktop two-column layout. */
  .nav-item-dropdown {
    flex-wrap: wrap;
    width: 100%;
    justify-content: space-between;
  }
  .nav-chevron { display: none; }
  .nav-item-dropdown::after { display: none; }
  .nav-dropdown-toggle { display: flex; }
  .nav-mega-menu {
    position: static;
    transform: none !important;
    grid-template-columns: 1fr;
    width: 100%;
    max-width: none;
    opacity: 1;
    visibility: visible;
    pointer-events: none;
    box-shadow: none;
    border: 1px solid var(--border-soft);
    max-height: 0;
    padding: 0;
    overflow: hidden;
    margin-top: 0;
    transition: max-height 0.3s ease, padding 0.3s ease, margin 0.3s ease;
  }
  .nav-mega-col:first-child { border-right: none; padding-right: 0; }
  .nav-item-dropdown.is-open .nav-mega-menu {
    max-height: 700px;
    padding: 0.75rem;
    margin-top: 0.5rem;
    pointer-events: auto;
  }
  .nav-item-dropdown.is-open .nav-dropdown-toggle svg { transform: rotate(180deg); }

  .card-grid-4, .card-grid-3, .card-grid-2 { grid-template-columns: 1fr; }
  .carrier-logo-row { grid-template-columns: repeat(2, 1fr); }
  .logo-tag { display: none; }
  .header-logo-img { width: 95px; height: 95px; }
  .hero-trust { gap: var(--space-md); }
  .cta-band { margin: 0 1rem; padding: var(--space-lg) var(--space-sm); }
  .section { padding: var(--space-lg) 0; }
}

/* ============================================================
   HOME PAGE PREMIUM REDESIGN
   Scoped entirely under .home-premium so no other page is
   affected. Uses Playfair Display (headings) + Poppins (body).
   ============================================================ */

.home-premium {
  font-family: var(--premium-font-body);
}
.home-premium h1,
.home-premium h2,
.home-premium h3,
.home-premium h4 {
  font-family: var(--premium-font-display);
}

.hp-eyebrow-dark {
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.78rem;
  color: var(--gold-dark);
  margin-bottom: 0.6rem;
}
.hp-eyebrow-dark.center { text-align: center; }

.hp-h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--navy);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}
.hp-h2.center { text-align: center; max-width: 760px; margin-left: auto; margin-right: auto; }

.hp-body { font-size: 1.05rem; color: var(--grey-text); margin-bottom: var(--space-md); max-width: 540px; }

.hp-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hp-actions.center-actions { justify-content: center; }

.btn-outline-light {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid rgba(255,255,255,0.65);
  color: var(--white);
  background: transparent;
  transition: transform 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.btn-outline-light:hover { background: var(--white); color: var(--navy); transform: translateY(-2px); }

/* ---------- 1. Hero ---------- */
.hero-premium {
  position: relative;
  min-height: calc(100vh - var(--header-height));
  display: flex;
  align-items: center;
  overflow: hidden;
  /* Fallback gradient shows instantly while the photo loads, and remains
     visible around the edges / if the image fails to load. */
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 65%, #0d2b52 100%);
  color: var(--white);
  padding: var(--space-xl) 0;
}
.hero-premium-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
  background-image: url("assets/images/office/hero-office-sunset.webp");
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
}
/* Navy gradient over the left/lower portion of the photo so hero text
   (which sits on the left) stays legible against the sunset highlights. */
.hero-premium-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(100deg, rgba(7,26,51,0.92) 0%, rgba(7,26,51,0.72) 32%, rgba(7,26,51,0.25) 55%, rgba(7,26,51,0.1) 70%),
    linear-gradient(0deg, rgba(7,26,51,0.55) 0%, rgba(7,26,51,0) 35%);
}

.hero-premium-inner { position: relative; z-index: 2; display: flex; align-items: center; min-height: 40vh; }
.hero-premium-content { max-width: 820px; }
.hp-eyebrow {
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 0.8rem;
  margin-bottom: var(--space-sm);
}
.hp-title {
  font-size: clamp(2.3rem, 4.6vw, 3.8rem);
  color: var(--white);
  line-height: 1.15;
  font-weight: 700;
  margin-bottom: var(--space-md);
}
.hp-subtitle { color: rgba(255,255,255,0.82); font-size: 1.12rem; max-width: 560px; margin-bottom: var(--space-lg); }
.hp-subtitle-oneline {
  max-width: none;
  font-size: 1.05rem;
  white-space: nowrap;
}
@media (max-width: 1140px) {
  .hp-subtitle-oneline { white-space: normal; max-width: 560px; }
}

.hp-scroll-indicator {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  color: rgba(255,255,255,0.8);
}
.hp-scroll-mouse {
  display: flex;
  justify-content: center;
  width: 26px;
  height: 42px;
  border: 2px solid rgba(255,255,255,0.55);
  border-radius: 14px;
}
.hp-scroll-dot {
  width: 5px;
  height: 5px;
  margin-top: 8px;
  border-radius: 50%;
  background: var(--gold);
  animation: hpScrollDot 1.6s infinite;
}
@keyframes hpScrollDot {
  0% { opacity: 1; transform: translateY(0); }
  70% { opacity: 0; transform: translateY(14px); }
  100% { opacity: 0; transform: translateY(14px); }
}

/* ---------- 2. Trust bar ---------- */
.trust-bar { background: var(--white); padding: var(--space-xl) 0; border-bottom: 1px solid var(--border-soft); }
.trust-bar-inner {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: var(--space-lg) var(--space-md);
}
.trust-bar-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.tb-icon {
  color: var(--gold-dark);
  margin-bottom: 18px;
  transition: transform 0.2s ease, color 0.2s ease;
}
.trust-bar-item:hover .tb-icon { transform: translateY(-3px); color: var(--gold); }
.tb-label {
  font-weight: 600;
  font-size: 18px;
  line-height: 1.5;
  color: var(--navy);
  max-width: 180px;
}

@media (max-width: 1024px) {
  .trust-bar-inner { grid-template-columns: repeat(3, 1fr); }
  .tb-label { font-size: 17px; }
}
@media (max-width: 720px) {
  .trust-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .tb-label { font-size: 16px; }
}

/* ---------- 3. Who we are ---------- */
.who-we-are-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: var(--space-lg); align-items: center; }
.hp-media-panel { border-radius: var(--radius-lg); }
.hp-media-frame {
  position: relative;
  min-height: 380px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-hover);
  overflow: hidden;
}
.hp-media-frame::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 20%, rgba(200,155,60,0.25), transparent 60%);
}
.hp-media-label {
  position: relative;
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  font-weight: 600;
  background: rgba(255,255,255,0.1);
  padding: 0.6rem 1.2rem;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.2);
}
/* Real photography inside a .hp-media-panel (used once a placeholder has
   been filled in). object-fit keeps the photo cropped-to-fill without
   ever stretching or distorting it, at any panel width. */
.hp-media-photo {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 380px;
  object-fit: cover;
  object-position: center;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-hover);
}
/* Graceful fallback if a photo fails to load (see handleImgError in
   script.js) — restores the original placeholder look instead of a
   broken-image icon, so a missing asset never breaks the layout. */
.hp-media-panel.img-fallback {
  position: relative;
  min-height: 380px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  overflow: hidden;
}
.hp-media-panel.img-fallback::after {
  content: "Image unavailable";
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  font-weight: 600;
}
.hp-text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  color: var(--navy);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
  transition: color 0.2s ease, gap 0.2s ease;
}
.hp-text-link:hover { color: var(--gold-dark); gap: 0.6rem; }

/* ---------- 4. Challenges ---------- */
.challenges-card-grid { margin-top: var(--space-lg); }
.hp-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  box-shadow: var(--shadow-soft);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  text-align: center;
}
.hp-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.hp-card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--grey-light);
  color: var(--navy);
  margin-bottom: var(--space-sm);
}
.hp-card h3 { font-family: var(--premium-font-body); font-weight: 600; font-size: 1.05rem; color: var(--navy); }
.challenges-statement {
  text-align: center;
  font-family: var(--premium-font-display);
  font-size: 1.3rem;
  font-style: italic;
  color: var(--navy);
  max-width: 760px;
  margin: var(--space-lg) auto 0;
}

/* ---------- Learn More link (reused across pages) ---------- */
.hp-learn-more {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--gold-dark);
  transition: gap 0.2s ease;
}

/* ---------- 6. Why choose us ---------- */
.why-choose-grid { margin-top: var(--space-lg); }
.hp-reason {
  background: var(--grey-light);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  text-align: center;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.hp-reason:hover { transform: translateY(-4px); background: var(--white); box-shadow: var(--shadow-soft); }
.hp-reason h4 { font-family: var(--premium-font-body); font-weight: 600; font-size: 0.92rem; color: var(--navy); margin-top: 0.4rem; }

/* ---------- Carrier badges (reused on Services page) ---------- */
.carrier-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 72px;
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 1.2rem 1.4rem;
  text-align: center;
  font-weight: 600;
  color: #9aa5b1;
  filter: grayscale(100%);
  transition: color 0.25s ease, filter 0.25s ease, border-color 0.25s ease, transform 0.25s ease;
}
.carrier-badge:hover { color: var(--navy); filter: grayscale(0%); border-color: var(--gold); transform: translateY(-3px); }

/* Applied automatically once a real logo <img class="carrier-logo-img">
   replaces a card's .carrier-badge-text placeholder span — see the HTML
   comment above the Carrier Experience section for the exact markup. */
.carrier-logo-img {
  display: block;
  width: 100%;
  height: 100%;
  max-width: 140px;
  max-height: 48px;
  object-fit: contain;
}

.carrier-disclaimer {
  text-align: center;
  font-size: 0.78rem;
  color: var(--grey-text);
  max-width: 640px;
  margin: var(--space-md) auto 0;
}

/* ---------- 8. How we work ---------- */
.hww-timeline {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-top: var(--space-lg);
  gap: 0.4rem;
}
.hww-step { display: flex; flex-direction: column; align-items: center; text-align: center; flex: 1; min-width: 0; }
.hww-step p { font-size: 0.85rem; color: var(--grey-text); margin-top: 0.4rem; max-width: 220px; }
.hww-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--premium-font-display);
  font-weight: 700;
  font-size: 1.1rem;
  margin-bottom: 0.7rem;
  box-shadow: var(--shadow-soft);
  flex-shrink: 0;
}
.hww-step h4 { font-size: 0.82rem; font-weight: 600; color: var(--navy); max-width: 120px; }
.hww-connector {
  flex: 0 0 auto;
  width: 32px;
  height: 2px;
  background: var(--border-soft);
  margin-top: 23px;
  position: relative;
}
.hww-connector::after {
  content: "\203A";
  position: absolute;
  right: -7px;
  top: -11px;
  color: var(--gold-dark);
  font-size: 1rem;
}

/* ---------- Reveal animations (Home page only) ---------- */
.reveal-up { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal-up.is-visible { opacity: 1; transform: translateY(0); }
.reveal-left { opacity: 0; transform: translateX(-40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal-left.is-visible { opacity: 1; transform: translateX(0); }
.reveal-right { opacity: 0; transform: translateX(40px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal-right.is-visible { opacity: 1; transform: translateX(0); }

/* ============================================================
   HOME PAGE — RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .who-we-are-grid { grid-template-columns: 1fr; }
  .hww-timeline { flex-wrap: wrap; }
  .hww-connector { display: none; }
  .hww-step { flex: 0 0 30%; margin-bottom: var(--space-md); }
}

@media (max-width: 720px) {
  .hero-premium { min-height: auto; padding: var(--space-xl) 0 calc(var(--space-xl) + 2rem); }
  .hww-step { flex: 0 0 45%; }
  .card-grid-4.why-choose-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================================
   ABOUT US PAGE PREMIUM REDESIGN
   Scoped entirely under .about-premium so no other page is
   affected. Shares the Playfair Display / Poppins pairing and
   the .hp-* component classes introduced for the Home redesign.
   ============================================================ */

.about-premium {
  font-family: var(--premium-font-body);
}
.about-premium h1,
.about-premium h2,
.about-premium h3,
.about-premium h4 {
  font-family: var(--premium-font-display);
}

/* ---------- 1. About hero ---------- */
.about-hero {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 70%, #0d2b52 100%);
  color: var(--white);
  padding: var(--space-xl) 0;
}
.about-hero-bg { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.about-hero-glow {
  position: absolute;
  top: -20%;
  left: -10%;
  width: 55%;
  height: 80%;
  background: radial-gradient(circle, rgba(200,155,60,0.2), transparent 65%);
}
.about-hero-inner { position: relative; z-index: 2; max-width: 760px; }
.ah-title { font-size: clamp(2.2rem, 4.4vw, 3.4rem); color: var(--white); font-weight: 700; margin-bottom: var(--space-sm); }
.ah-subtitle { font-size: 1.2rem; color: var(--gold); font-weight: 500; margin-bottom: var(--space-md); }
.ah-intro { font-size: 1.05rem; color: rgba(255,255,255,0.8); max-width: 620px; }

/* ---------- 2. Who we are ---------- */
.who-we-are-statement {
  margin-top: var(--space-md);
  padding: var(--space-sm) var(--space-md);
  background: var(--navy);
  color: var(--white);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-family: var(--premium-font-display);
  font-size: 1.15rem;
  font-style: italic;
}

/* ---------- Our Story (About Policy Expert) ---------- */
.about-story-content { max-width: 820px; margin: 0 auto; }
.mvv-grid { margin-top: var(--space-lg); max-width: 900px; margin-left: auto; margin-right: auto; }
.values-grid { margin-top: var(--space-lg); }
.mvv-card p { font-size: 0.95rem; }
.about-story-text { margin-top: var(--space-lg); }
.about-story-text p { text-align: left; }
.name-highlight {
  color: var(--gold-dark);
  font-weight: 700;
}

/* ---------- 3. Meet our founders (two cards) ---------- */
.founders-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  margin-top: var(--space-lg);
  align-items: stretch;
}
.founder-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-align: center;
  box-shadow: var(--shadow-soft);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.founder-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); border-color: var(--gold); }
.founder-card-photo-wrap { display: flex; justify-content: center; margin-bottom: var(--space-md); }
.founder-card-photo,
.founder-card-photo-placeholder {
  width: 100%;
  max-width: 260px;
  aspect-ratio: 4 / 5;
  border-radius: 20px;
  object-fit: cover;
  box-shadow: var(--shadow-hover);
}
.founder-card-photo-placeholder {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
}
.founder-card-photo-placeholder::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 20px;
  background: radial-gradient(circle at 30% 20%, rgba(200,155,60,0.28), transparent 60%);
}
.founder-card-photo-placeholder .hp-media-label { position: relative; font-size: 0.75rem; text-align: center; padding: 0.5rem 0.8rem; }
.founder-card-name { font-family: var(--premium-font-display); font-size: 1.35rem; font-weight: 700; color: var(--navy); }
.founder-card-title { color: var(--gold-dark); font-weight: 600; margin-bottom: var(--space-sm); font-size: 0.92rem; }
.founder-card-badge {
  display: inline-block;
  background: var(--grey-light);
  border: 1px solid var(--gold);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.78rem;
  padding: 0.3rem 0.75rem;
  border-radius: 999px;
  margin-bottom: var(--space-sm);
}
.founder-card-divider {
  display: block;
  width: 48px;
  height: 2px;
  background: var(--gold);
  margin: var(--space-sm) auto;
  border-radius: 2px;
}
.founder-card-bio { font-size: 0.92rem; color: var(--grey-text); text-align: left; }
.founder-card-linkedin {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: var(--space-sm);
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--gold-dark);
  transition: color 0.2s ease;
}
.founder-card-linkedin:hover { color: var(--navy); }

/* ---------- 6. Founder quote (reused for Leadership Philosophy) ---------- */
.founder-quote-section { text-align: center; }
.founder-quote-inner { max-width: 780px; margin: 0 auto; position: relative; }
.founder-quote-mark {
  display: block;
  font-family: var(--premium-font-display);
  font-size: 5rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: -1rem;
}
.founder-quote-text {
  font-family: var(--premium-font-display);
  font-size: 1.35rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.6;
  margin-bottom: var(--space-sm);
}
.founder-quote-attribution {
  margin-top: var(--space-md);
  font-weight: 700;
  color: var(--gold-dark);
}
.founder-quote-attribution span { display: block; font-weight: 400; color: var(--grey-text); font-size: 0.88rem; margin-top: 0.2rem; }

/* ---------- 8. Final CTA ---------- */
.about-final-cta { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); }
.about-final-cta-inner { text-align: center; max-width: 720px; margin: 0 auto; }
.about-final-cta-inner h2 { color: var(--white); font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: var(--space-sm); }
.about-final-cta-inner p { color: rgba(255,255,255,0.78); margin-bottom: var(--space-md); font-size: 1.05rem; }
.about-final-cta-contact {
  margin-top: var(--space-lg);
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255,255,255,0.15);
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.6rem;
  color: rgba(255,255,255,0.85);
  font-weight: 500;
}
.about-final-cta-contact a:hover { color: var(--gold); }
.afc-divider { color: rgba(255,255,255,0.4); }

/* ============================================================
   ABOUT US PAGE — RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .founders-grid { grid-template-columns: 1fr; max-width: 480px; margin-left: auto; margin-right: auto; }
}

@media (max-width: 720px) {
  .about-hero { min-height: auto; padding: var(--space-lg) 0; }
  .founder-quote-text { font-size: 1.1rem; }
}

/* ============================================================
   SERVICES PAGE PREMIUM REDESIGN
   Scoped entirely under .services-premium so no other page is
   affected. Shares the Playfair Display / Poppins pairing and
   the .hp-* / .hww-* component classes from the Home and About
   redesigns.
   ============================================================ */

.services-premium {
  font-family: var(--premium-font-body);
}
.services-premium h1,
.services-premium h2,
.services-premium h3,
.services-premium h4 {
  font-family: var(--premium-font-display);
}

/* ---------- 1. Hero (reuses .about-hero-bg / .about-hero-glow / .ah-title etc.) ---------- */
.services-hero {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 70%, #0d2b52 100%);
  color: var(--white);
  padding: var(--space-xl) 0;
}

/* ---------- 3. Core insurance operations ---------- */
.services-intro-sub { max-width: 640px; margin-left: auto; margin-right: auto; }
.temp-staffing-list {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.6rem;
  margin: var(--space-lg) 0 0;
}
.temp-staffing-list .tag {
  background: var(--white);
  border-color: var(--gold);
  font-weight: 600;
}
.core-services-grid { margin-top: var(--space-lg); }
.core-service-card { text-align: left; display: flex; flex-direction: column; }
.core-service-card h3 { margin-bottom: 0.6rem; }
.service-card-number {
  display: block;
  font-family: var(--premium-font-display, var(--font-display));
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.55;
  line-height: 1;
  margin-bottom: 0.35rem;
}
.core-service-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: 0.4rem;
}
.core-service-tags .tag {
  font-size: 0.78rem;
  padding: 0.4rem 0.75rem;
  cursor: default;
}
.core-service-list { margin: 0 0 var(--space-sm); }
.core-service-subline {
  font-size: 0.82rem;
  color: var(--grey-text);
  font-style: italic;
  margin-top: 0.5rem;
}
.core-service-list li {
  position: relative;
  padding-left: 1.1rem;
  font-size: 0.9rem;
  color: var(--grey-text);
  margin-bottom: 0.3rem;
}
.core-service-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold-dark);
}
.core-service-card .hp-learn-more { margin-top: auto; }

/* ---------- 4. Dedicated customer support ---------- */
.support-grid { margin-top: var(--space-lg); }

/* ---------- 5. Carrier portal experience ---------- */
.carrier-grid-services {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: var(--space-sm);
  margin-top: var(--space-lg);
}

/* ---------- 6. Why outsource comparison ---------- */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  margin-top: var(--space-lg);
}
.comparison-column {
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}
.comparison-traditional { background: var(--white); border: 1px solid var(--border-soft); }
.comparison-policy-expert { background: var(--navy); box-shadow: var(--shadow-hover); }
.comparison-column h3 { margin-bottom: var(--space-md); }
.comparison-traditional h3 { color: var(--navy); }
.comparison-policy-expert h3 { color: var(--white); }
.comparison-list li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-weight: 500;
  margin-bottom: 0.85rem;
}
.comparison-traditional .comparison-list li { color: var(--grey-text); }
.comparison-policy-expert .comparison-list li { color: rgba(255,255,255,0.9); }
.comparison-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.comparison-icon-x { background: rgba(192,57,43,0.12); color: #C0392B; }
.comparison-icon-check { background: rgba(200,155,60,0.18); color: var(--gold); }

/* ---------- 9. FAQ accordion ---------- */
.faq-container { max-width: 820px; }
.faq-accordion { margin-top: var(--space-lg); }
.faq-item {
  border-bottom: 1px solid var(--border-soft);
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  background: none;
  border: none;
  padding: var(--space-md) 0.25rem;
  text-align: left;
  font-family: var(--premium-font-body);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--navy);
}
.faq-caret { flex-shrink: 0; color: var(--gold-dark); transition: transform 0.25s ease; }
.faq-item.is-open .faq-caret { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 0.25rem;
}
.faq-item.is-open .faq-answer { padding: 0 0.25rem var(--space-md); }
.faq-answer p { font-size: 0.95rem; max-width: 700px; }

/* ---------- 10. Final CTA (mirrors .about-final-cta) ---------- */
.services-final-cta { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); }
.services-final-cta-inner { text-align: center; max-width: 720px; margin: 0 auto; }
.services-final-cta-inner h2 { color: var(--white); font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: var(--space-sm); }
.services-final-cta-inner p { color: rgba(255,255,255,0.78); margin-bottom: var(--space-md); font-size: 1.05rem; }

/* ============================================================
   SERVICES PAGE — RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .carrier-grid-services { grid-template-columns: repeat(4, 1fr); }
  .comparison-grid { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .services-hero { min-height: auto; padding: var(--space-lg) 0; }
  .carrier-grid-services { grid-template-columns: repeat(2, 1fr); }
  .faq-question { font-size: 0.95rem; }
}

/* ============================================================
   CONTACT PAGE PREMIUM REDESIGN
   Scoped entirely under .contact-premium so no other page is
   affected. Shares the Playfair Display / Poppins pairing and
   the .hp-* / .faq-* component classes from the earlier
   premium redesigns.
   ============================================================ */

.contact-premium {
  font-family: var(--premium-font-body);
}
.contact-premium h1,
.contact-premium h2,
.contact-premium h3,
.contact-premium h4 {
  font-family: var(--premium-font-display);
}

/* ---------- 1. Hero (reuses .about-hero-bg / .about-hero-glow / .ah-title etc.) ---------- */
.contact-hero {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 70%, #0d2b52 100%);
  color: var(--white);
  padding: var(--space-xl) 0;
}
/* Compact variant: shorter, no scroll indicator/buttons needed since the
   consultation form sits immediately below on the trimmed Contact page. */
.contact-hero-compact { min-height: 42vh; padding: var(--space-xl) 0; }

/* ---------- 2. Why contact us ---------- */
.why-contact-grid { margin-top: var(--space-lg); }
.why-contact-grid .hp-card { text-align: left; }
.why-contact-grid .hp-card p { font-size: 0.9rem; }

/* ---------- 3. Book a consultation ---------- */
.consultation-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.2fr;
  gap: var(--space-lg);
  align-items: start;
}

/* Stacks the image and the trust card together so both match width and
   share consistent spacing in the left column. */
.consultation-media-column {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}
.consultation-media-column .hp-media-panel { min-height: 0; }
.consultation-media-column .hp-media-photo { min-height: 280px; }

.consultation-trust-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}
.consultation-trust-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-2px);
}
.consultation-trust-card h3 {
  font-family: var(--premium-font-display, var(--font-display));
  color: var(--gold);
  font-size: 1.2rem;
  margin-bottom: var(--space-md);
}
.trust-card-item {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  padding: 0.85rem 0;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.trust-card-item:first-of-type { border-top: none; padding-top: 0; }
.trust-card-icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(200,155,60,0.15);
  color: var(--gold);
}
.trust-card-item h4 {
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 0.25rem;
}
.trust-card-item p {
  color: rgba(255,255,255,0.75);
  font-size: 0.85rem;
  line-height: 1.5;
  margin: 0;
}

.consultation-form { margin-top: var(--space-md); }
.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 var(--space-md);
}
.consultation-form select {
  border: 1.5px solid var(--border-soft);
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
  font-family: var(--premium-font-body);
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.2s ease;
}
.consultation-form select:focus { border-color: var(--gold); outline: none; }
.form-fieldset {
  border: none;
  padding: 0;
  margin: 0.4rem 0 var(--space-sm);
}
.form-fieldset legend {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  padding: 0;
}
.checkbox-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem 1rem;
}
.checkbox-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
}
.checkbox-item input[type="checkbox"] {
  width: 16px;
  height: 16px;
  accent-color: var(--gold);
  cursor: pointer;
}

/* ---------- 4. Contact information ---------- */
.contact-info-grid { margin-top: var(--space-lg); }
.contact-info-card { text-align: left; }
.contact-info-card p { margin: 0; font-size: 0.95rem; }
.contact-info-card a { font-weight: 600; color: var(--navy); }
.contact-info-card a:hover { color: var(--gold-dark); }

/* ---------- 5. Stats ---------- */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
  margin-top: var(--space-lg);
}
.stat-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  text-align: center;
  box-shadow: var(--shadow-soft);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.stat-value {
  display: block;
  font-family: var(--premium-font-display);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.3rem;
}
.stat-label { font-size: 0.85rem; color: var(--grey-text); }

/* ---------- 7. Ready to talk CTA ---------- */
.ready-to-talk-cta { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); }
.ready-to-talk-inner { text-align: center; max-width: 720px; margin: 0 auto; }
.ready-to-talk-inner h2 { color: var(--white); font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: var(--space-sm); }
.ready-to-talk-inner p { color: rgba(255,255,255,0.78); margin-bottom: var(--space-md); font-size: 1.05rem; }

/* ---------- 8. Map ---------- */
.canada-map-panel { max-width: 760px; margin: var(--space-lg) auto 0; text-align: center; }
.canada-map-svg {
  width: 100%;
  height: auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  padding: var(--space-md);
}
.canada-map-caption { margin-top: var(--space-md); color: var(--grey-text); font-size: 0.95rem; }

/* ============================================================
   CONTACT PAGE — RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .consultation-grid { grid-template-columns: 1fr; }
  .consultation-copy { order: 1; }
  .consultation-media-column { order: 2; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .contact-hero { min-height: auto; padding: var(--space-lg) 0; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .checkbox-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   PHASE 5 — SITE-WIDE PRODUCTION POLISH
   Loading screen, cookie banner, back-to-top, global floating
   actions, button ripple/loading states, card hover-border,
   extra reveal animation, and small form/accessibility touches.
   None of this changes branding, colours, fonts, or copy.
   ============================================================ */

/* ---------- Loading screen ---------- */
.loading-screen {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy-dark);
  transition: opacity 0.5s ease;
  /* Safety net: even if JavaScript fails to run at all (blocked script,
     missing file, unusual hosting setup), this animation forces the
     loading screen to fade out and stop blocking clicks after ~2.5s.
     JS still drives the normal (usually faster) hide when it works. */
  animation: loadingScreenAutoHide 0s ease-in-out 2.5s forwards;
}
@keyframes loadingScreenAutoHide {
  to { opacity: 0; pointer-events: none; visibility: hidden; }
}
.loading-screen.is-hidden { opacity: 0; pointer-events: none; }
.loading-screen-inner { display: flex; flex-direction: column; align-items: center; gap: 1rem; }
.loading-logo {
  border-radius: 12px;
  animation: loadingPulse 1.6s ease-in-out infinite;
}
/* If the logo image fails to load, hide the broken-image icon instead of
   showing it (a matching onerror handler is set on the <img> in HTML). */
.loading-logo.img-error { display: none; }
.loading-spinner {
  width: 34px;
  height: 34px;
  border: 3px solid rgba(255,255,255,0.2);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: loadingSpin 0.9s linear infinite;
}
.loading-text {
  font-family: var(--font-display);
  color: var(--white);
  letter-spacing: 0.05em;
  font-size: 0.95rem;
}
@keyframes loadingSpin { to { transform: rotate(360deg); } }
@keyframes loadingPulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.05); opacity: 0.85; }
}

/* ---------- Back to top button ---------- */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  left: 1.5rem;
  z-index: 400;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(11,35,69,0.25);
  opacity: 0;
  transform: translateY(16px);
  pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease, background 0.2s ease;
}
.back-to-top.is-visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.back-to-top:hover { background: var(--navy-dark); }

/* ---------- Site-wide floating actions ---------- */
.site-floating-actions {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 400;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  opacity: 0;
  transform: translateY(16px);
  pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
}
.site-floating-actions.is-visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.cfa-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  font-weight: 600;
  font-family: var(--premium-font-body, var(--font-body));
  box-shadow: 0 8px 24px rgba(11,35,69,0.25);
  transition: transform 0.15s ease;
}
.cfa-btn:hover { transform: translateY(-2px); }
.cfa-btn-book { background: var(--gold); color: var(--navy-dark); padding: 0.85rem 1.4rem; font-size: 0.9rem; }
.cfa-btn-call { background: var(--navy); color: var(--white); width: 48px; height: 48px; }
.cfa-btn-email { background: var(--white); color: var(--navy); width: 48px; height: 48px; border: 1.5px solid var(--border-soft); }

/* Desktop shows the full "Book Consultation" button; mobile shows
   compact Call + Email icon buttons instead, per the brief. */
.cfa-mobile-only { display: none; }
@media (max-width: 720px) {
  .cfa-desktop-only { display: none; }
  .cfa-mobile-only { display: inline-flex; }
  .site-floating-actions { bottom: 1rem; right: 1rem; }
  .back-to-top { bottom: 1rem; left: 1rem; width: 42px; height: 42px; }
}

/* ---------- Button ripple + loading state ---------- */
.btn-ripple {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.5);
  transform: scale(0);
  animation: btnRipple 0.6s ease-out;
  pointer-events: none;
}
.btn-outline .btn-ripple,
.btn-outline-light .btn-ripple { background: rgba(11,35,69,0.15); }
@keyframes btnRipple {
  to { transform: scale(2.4); opacity: 0; }
}
.btn-loading { position: relative; color: transparent !important; pointer-events: none; }
.btn-loading::after {
  content: "";
  position: absolute;
  width: 18px;
  height: 18px;
  top: 50%;
  left: 50%;
  margin: -9px 0 0 -9px;
  border: 2px solid rgba(255,255,255,0.4);
  border-top-color: var(--white);
  border-radius: 50%;
  animation: loadingSpin 0.7s linear infinite;
}
.btn-sm { padding: 0.6rem 1.1rem; font-size: 0.85rem; }

/* ---------- Card hover border animation ---------- */
.card,
.hp-card,
.hp-reason {
  border: 1px solid var(--border-soft);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card:hover,
.hp-card:hover,
.hp-reason:hover {
  border-color: var(--gold);
}

/* ---------- Extra scroll-reveal variant (zoom in) ----------
   Used sparingly (stat cards) to avoid over-animating the page. */
.reveal-zoom {
  opacity: 0;
  transform: scale(0.92);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal-zoom.is-visible { opacity: 1; transform: scale(1); }

/* ---------- Form: honeypot (hidden from everyone but bots) ---------- */
.form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ---------- Form: success check icon ---------- */
.form-status.success {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  opacity: 0;
  transform: translateY(4px);
  transition: opacity 0.35s ease, transform 0.35s ease;
}
.form-status.success.is-visible { opacity: 1; transform: translateY(0); }
.form-success-check { color: #1E7B4D; flex-shrink: 0; }

/* ---------- Cookie consent banner ---------- */
.cookie-banner {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 900;
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-hover);
  padding: 1.25rem 1.5rem;
  max-width: 640px;
  margin: 0 auto;
  opacity: 0;
  transform: translateY(24px);
  pointer-events: none;
  transition: opacity 0.35s ease, transform 0.35s ease;
}
.cookie-banner.is-visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.cookie-banner-inner { display: flex; flex-direction: column; gap: 0.85rem; }
.cookie-banner p { font-size: 0.88rem; color: var(--grey-text); margin: 0; }
.cookie-banner a { color: var(--navy); font-weight: 600; }
.cookie-banner-actions { display: flex; gap: 0.6rem; flex-wrap: wrap; }

/* ---------- Small accessibility / contrast touches ---------- */
::selection { background: var(--gold); color: var(--navy-dark); }

/* ============================================================
   404 / LEGAL PAGES (404.html, privacy-policy.html, terms.html)
   Lightweight standalone pages that reuse the shared header,
   footer, and design tokens from the main site.
   ============================================================ */
.error-404-section {
  min-height: calc(100vh - var(--header-height));
  display: flex;
  align-items: center;
  background: var(--grey-light);
  text-align: center;
}
.error-404-inner { max-width: 560px; margin: 0 auto; }
.error-404-eyebrow {
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 0.8rem;
  color: var(--gold-dark);
  margin-bottom: var(--space-sm);
}
.error-404-title {
  font-family: var(--premium-font-display, var(--font-display));
  font-size: clamp(3.5rem, 10vw, 6rem);
  color: var(--navy);
  margin-bottom: 0.25rem;
}
.error-404-subtitle {
  font-family: var(--premium-font-display, var(--font-display));
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}
.error-404-text { color: var(--grey-text); margin-bottom: var(--space-lg); }

/* Legal document pages (Privacy Policy / Terms) */
.legal-page-section { padding: var(--space-xl) 0; }
.legal-page-header { text-align: center; max-width: 700px; margin: 0 auto var(--space-lg); }
.legal-page-header .eyebrow { justify-content: center; }
.legal-updated { color: var(--grey-text); font-size: 0.88rem; margin-top: 0.5rem; }
.legal-content { max-width: 780px; margin: 0 auto; }
.legal-content h2 {
  font-family: var(--font-display);
  color: var(--navy);
  font-size: 1.4rem;
  margin: var(--space-lg) 0 var(--space-sm);
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--grey-text); margin-bottom: var(--space-sm); }
.legal-content ul { padding-left: 1.3rem; margin-bottom: var(--space-sm); }
.legal-content li { margin-bottom: 0.4rem; }
.legal-content a { color: var(--navy); font-weight: 600; }
.legal-content a:hover { color: var(--gold-dark); }

/* ============================================================
   SUPPORTING EVERY STAGE OF THE INSURANCE INDUSTRY
   Scoped entirely under .industries-premium so no other page is
   affected. Shares the Playfair Display / Poppins pairing and
   the .hp-* component classes from the other premium redesigns.
   ============================================================ */

.industries-premium {
  font-family: var(--premium-font-body);
}
.industries-premium h1,
.industries-premium h2,
.industries-premium h3,
.industries-premium h4 {
  font-family: var(--premium-font-display);
}

.industries-intro-navy {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 70%, #0d2b52 100%);
  padding: var(--space-xl) 0;
}
.industries-intro-content { position: relative; z-index: 2; max-width: 820px; margin: 0 auto; }
.industries-intro-heading {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--white);
  font-weight: 700;
  margin-bottom: var(--space-sm);
}
.industries-intro-body {
  color: rgba(255,255,255,0.82);
  font-size: 1.05rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: var(--space-sm);
}
.industries-intro-callout {
  max-width: 480px;
  margin: var(--space-lg) auto 0;
  text-align: center;
  background: rgba(255,255,255,0.06);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  color: var(--white);
  font-family: var(--premium-font-display, var(--font-display));
  font-style: italic;
  font-size: 1.1rem;
  padding: var(--space-sm) var(--space-md);
  box-shadow: var(--shadow-soft);
}

.industries-audience-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: var(--space-lg);
  align-items: center;
}
.industries-audience-reverse { grid-template-columns: 1.1fr 1fr; }
.industries-audience-reverse .hp-media-panel { order: 2; }

.industries-tasklist { display: flex; flex-wrap: wrap; gap: 0.5rem; margin: var(--space-sm) 0 var(--space-md); }

.industries-benefits {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin: var(--space-sm) 0 var(--space-md);
}
.benefit-item { font-weight: 500; color: var(--navy); font-size: 0.95rem; }

@media (max-width: 1024px) {
  .industries-audience-grid,
  .industries-audience-reverse {
    grid-template-columns: 1fr;
  }
  .industries-audience-reverse .hp-media-panel { order: 0; }
}

/* ============================================================
   SERVICES PAGE — EXPANDABLE SERVICE CARDS
   (Services page redesign: "Our Core Services" accordion cards,
   process timeline reuse, software/systems badges)
   ============================================================ */

.service-expand-grid { margin-top: var(--space-lg); }
.service-expand-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.25s ease, border-color 0.25s ease;
  overflow: hidden;
}
.service-expand-card:hover { box-shadow: var(--shadow-hover); border-color: var(--gold); }
.service-expand-summary { padding: var(--space-md); display: flex; flex-direction: column; }
.service-expand-summary h3 { margin: 0.4rem 0 0.4rem; }
.service-expand-summary > p {
  color: var(--grey-text);
  font-size: 0.92rem;
  line-height: 1.5;
  margin-bottom: var(--space-sm);
  /* Keep the summary to roughly two lines for a scannable, equal-height card */
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.service-expand-trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  align-self: flex-start;
  background: none;
  border: none;
  padding: 0;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--gold-dark);
  cursor: pointer;
}
.service-expand-caret { transition: transform 0.25s ease; }
.service-expand-card.is-open .service-expand-caret { transform: rotate(180deg); }
.service-expand-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease;
  padding: 0 var(--space-md);
  border-top: 0px solid var(--border-soft);
}
.service-expand-card.is-open .service-expand-panel {
  padding: 0 var(--space-md) var(--space-md);
  border-top: 1px solid var(--border-soft);
}
.service-expand-panel p {
  color: var(--grey-text);
  font-size: 0.92rem;
  margin: var(--space-sm) 0 var(--space-sm);
}
.service-expand-panel .core-service-list { margin-top: 0.5rem; }
.service-expand-panel .core-service-tags { margin-top: 0.75rem; }

/* ---------- Software & Systems badges ---------- */
.tools-badge-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
  margin-top: var(--space-lg);
}
.tools-badge {
  display: inline-flex;
  align-items: center;
  background: var(--white);
  border: 1.5px solid var(--navy);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 0.65rem 1.3rem;
  border-radius: 999px;
  transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}
.tools-badge:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }
/* Subtly distinguishes the "Other Brokerage Management Systems" badge as
   an open-ended/flexible item, while keeping the same pill shape and
   sizing as every other platform badge (not styled as a button). */
.tools-badge-flexible {
  border-color: var(--gold);
  color: var(--gold-dark);
  font-style: italic;
}
.tools-badge-flexible:hover { background: var(--gold); color: var(--navy-dark); }

/* ---------- Flexible Operational Support ---------- */
.flexible-support-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: var(--space-lg);
  align-items: center;
  margin-top: var(--space-lg);
}
/* Applied once the real Flexible Operational Support photo/graphic is
   added (see assets/images/README.txt). Uses object-fit: contain rather
   than the site's usual "cover" crop, since this graphic may include
   text/wording that must never be cropped. */
.flexible-support-image {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 460px;
  max-height: 620px;
  object-fit: contain;
  border-radius: 20px;
  box-shadow: 0 20px 45px rgba(0,0,0,0.12);
  background: var(--navy);
}
.flexible-support-copy h3 {
  font-family: var(--premium-font-display, var(--font-display));
  color: var(--navy);
  font-size: 1.5rem;
  margin-bottom: var(--space-sm);
}
.flexible-support-label {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.9rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: var(--space-md) 0 var(--space-sm);
}
.flexible-support-checklist {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem 1rem;
}
.flexible-support-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 500;
  color: var(--navy);
  font-size: 0.92rem;
  padding: 0.5rem 0;
  transition: transform 0.2s ease;
}
.flexible-support-item:hover { transform: translateX(3px); }
.flexible-support-icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--grey-light);
  color: var(--gold-dark);
}

.flexible-support-callout {
  margin-top: var(--space-xl);
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-align: center;
  box-shadow: var(--shadow-hover);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.flexible-support-callout:hover { transform: translateY(-2px); }
.flexible-support-callout h4 {
  font-family: var(--premium-font-display, var(--font-display));
  color: var(--gold);
  font-size: 1.3rem;
  margin-bottom: var(--space-sm);
}
.flexible-support-callout p {
  color: rgba(255,255,255,0.85);
  max-width: 720px;
  margin: 0 auto;
  font-size: 0.98rem;
}

@media (max-width: 1024px) {
  .flexible-support-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .flexible-support-checklist { grid-template-columns: 1fr; }
  .service-expand-summary > p { -webkit-line-clamp: 3; }
}

/* ============================================================
   CAREERS PAGE
   ============================================================ */

/* ---------- Job opportunity cards ---------- */
.job-card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-lg);
  margin-top: var(--space-lg);
}
.job-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  transition: box-shadow 0.25s ease, border-color 0.25s ease, transform 0.25s ease;
  overflow: hidden;
}
.job-card:hover { box-shadow: var(--shadow-hover); border-color: var(--gold); transform: translateY(-3px); }
.job-card-header { padding: var(--space-lg); }
.job-status-badge {
  display: inline-block;
  background: rgba(200,155,60,0.12);
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 0.3rem 0.75rem;
  border-radius: 999px;
  margin-bottom: var(--space-sm);
}
.job-card-header h3 { color: var(--navy); font-size: 1.3rem; margin-bottom: 0.6rem; }
.job-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: var(--space-sm);
}
.job-meta-item {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--grey-light);
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
}
.job-summary { color: var(--grey-text); font-size: 0.95rem; margin-bottom: var(--space-md); }
.job-card-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 1.25rem; }
.job-details-trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: none;
  border: none;
  padding: 0;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--gold-dark);
  cursor: pointer;
}
.job-card.is-open .job-details-trigger .service-expand-caret { transform: rotate(180deg); }
.job-details-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease;
  padding: 0 var(--space-lg);
  border-top: 0px solid var(--border-soft);
}
.job-card.is-open .job-details-panel {
  padding: 0 var(--space-lg) var(--space-lg);
  border-top: 1px solid var(--border-soft);
}
.job-details-panel h4 { color: var(--navy); font-size: 1rem; margin: var(--space-sm) 0 0.5rem; }
.job-details-panel h4:first-child { margin-top: var(--space-md); }

/* ---------- Join Our Talent Network ---------- */
.talent-network-inner { max-width: 640px; margin: 0 auto; text-align: center; }
.talent-network-inner .hp-body { margin-bottom: var(--space-md); }

/* ---------- Application form ---------- */
.career-application-inner { max-width: 780px; margin: 0 auto; }
.career-application-form { margin-top: var(--space-lg); }
.form-optional-label { color: var(--grey-text); font-weight: 400; font-size: 0.85rem; }
.career-privacy-note {
  max-width: 640px;
  margin: var(--space-lg) auto 0;
  text-align: center;
  font-size: 0.82rem;
  color: var(--grey-text);
}

@media (max-width: 1024px) {
  .job-card-grid { grid-template-columns: 1fr; }
}