/* ==========================================================================
   The Premiere Metro Group - Modern Light Mode Insurance Design System
   ========================================================================== */

:root {
  /* Light Mode Color Palette */
  --bg-primary: #ffffff;
  --bg-secondary: #f8fafc;
  --bg-surface: #f1f5f9;
  --bg-card: #ffffff;
  --bg-card-hover: #ffffff;
  --bg-card-alt: #f8fafc;
  --bg-dark-accent: #0b132b;

  /* Accent Colors */
  --accent-blue: #1d4ed8;
  --accent-blue-light: #2563eb;
  --accent-blue-dark: #1e40af;
  --accent-blue-soft: #eff6ff;
  --accent-blue-border: #bfdbfe;
  --accent-blue-glow: rgba(37, 99, 235, 0.2);

  --accent-emerald: #059669;
  --accent-emerald-light: #10b981;
  --accent-emerald-dark: #047857;
  --accent-emerald-soft: #ecfdf5;
  --accent-emerald-border: #a7f3d0;

  --accent-gold: #d97706;
  --accent-gold-soft: #fef3c7;
  --accent-indigo: #4f46e5;
  --accent-indigo-soft: #eef2ff;

  /* Typography Colors */
  --text-heading: #0f172a;
  --text-body: #334155;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --text-white: #ffffff;

  /* Borders & Shadows */
  --border-subtle: #f1f5f9;
  --border-color: #e2e8f0;
  --border-dark: #cbd5e1;
  --border-focus: #3b82f6;

  --shadow-sm: 0 1px 3px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 12px -2px rgba(15, 23, 42, 0.06), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 12px 28px -4px rgba(15, 23, 42, 0.08), 0 4px 8px -4px rgba(15, 23, 42, 0.03);
  --shadow-hover: 0 20px 35px -8px rgba(37, 99, 235, 0.12), 0 8px 12px -4px rgba(15, 23, 42, 0.04);

  /* Typography */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Dimensions */
  --container-max: 1200px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-full: 9999px;
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

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

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-primary);
  color: var(--text-body);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

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

.sub-heading {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-emerald);
  margin-bottom: 0.6rem;
}

.section-header {
  margin-bottom: 3.25rem;
}

.section-header.text-center {
  text-align: center;
}

.section-title {
  font-size: clamp(2rem, 3.2vw, 2.6rem);
  letter-spacing: -0.025em;
  margin-bottom: 0.85rem;
  color: var(--text-heading);
}

.section-desc {
  font-size: 1.075rem;
  color: var(--text-muted);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.7rem 1.4rem;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--transition-normal);
  text-decoration: none;
  line-height: 1.2;
}

.btn-primary {
  background: linear-gradient(135deg, var(--accent-blue) 0%, var(--accent-blue-dark) 100%);
  color: #ffffff;
  box-shadow: 0 4px 14px var(--accent-blue-glow);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--accent-blue-light) 0%, var(--accent-blue) 100%);
  box-shadow: 0 6px 20px var(--accent-blue-glow);
  transform: translateY(-2px);
  color: #ffffff;
}

.btn-outline-dark {
  background: #ffffff;
  border-color: var(--border-dark);
  color: var(--text-heading);
  box-shadow: var(--shadow-sm);
}

.btn-outline-dark:hover {
  border-color: var(--accent-blue);
  color: var(--accent-blue);
  background: var(--accent-blue-soft);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  border-color: var(--border-color);
  color: var(--text-heading);
}

.btn-outline:hover {
  border-color: var(--accent-blue);
  background: var(--accent-blue-soft);
  color: var(--accent-blue);
}

.btn-lg {
  padding: 0.9rem 1.85rem;
  font-size: 1.05rem;
  border-radius: var(--radius-md);
}

.btn-block {
  width: 100%;
}

.mt-2 { margin-top: 0.5rem; }
.mt-3 { margin-top: 0.75rem; }

/* ==========================================================================
   1. Streamlined Announcement Bar
   ========================================================================== */
.announcement-bar {
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border-color);
  padding: 0.45rem 0;
  font-size: 0.825rem;
}

.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.announcement-left {
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.badge-pill {
  background: var(--accent-emerald-soft);
  border: 1px solid var(--accent-emerald-border);
  color: var(--accent-emerald);
  font-size: 0.725rem;
  font-weight: 700;
  padding: 0.15rem 0.55rem;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.announcement-text {
  color: var(--text-body);
  font-weight: 500;
}

.announcement-right {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.announcement-link {
  color: var(--text-muted);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 500;
}

.announcement-link:hover {
  color: var(--accent-blue);
}

.announcement-right .divider {
  color: var(--border-dark);
}

.announcement-phone {
  color: var(--accent-blue);
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.announcement-phone:hover {
  color: var(--accent-blue-dark);
}

/* ==========================================================================
   2. Clean, Spacious Main Navbar
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border-color);
  transition: all var(--transition-normal);
}

.site-header.scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 86px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.brand-logo-img {
  height: 56px;
  width: auto;
  max-width: 320px;
  object-fit: contain;
  display: block;
  transition: transform var(--transition-fast);
}

.brand-logo:hover .brand-logo-img {
  transform: scale(1.02);
}

.logo-icon-box {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--accent-blue) 0%, var(--accent-emerald) 100%);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1.25rem;
  box-shadow: 0 3px 10px rgba(37, 99, 235, 0.25);
}

.logo-text-group {
  display: flex;
  flex-direction: column;
}

.logo-main {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-heading);
  letter-spacing: 0.02em;
  line-height: 1.1;
}

.logo-sub {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--accent-emerald);
}

.main-nav .nav-list {
  display: flex;
  align-items: center;
  gap: 1.6rem;
}

.nav-link {
  font-size: 0.925rem;
  font-weight: 500;
  color: var(--text-body);
  display: flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.5rem 0;
  transition: color var(--transition-fast);
}

.nav-link:hover {
  color: var(--accent-blue);
}

.has-dropdown {
  position: relative;
}

.has-dropdown .nav-link i {
  font-size: 0.75rem;
  transition: transform var(--transition-fast);
}

.has-dropdown:hover .nav-link i {
  transform: rotate(180deg);
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: -0.75rem;
  width: 230px;
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 0.6rem 0;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all var(--transition-fast);
  z-index: 100;
}

.has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-menu li a {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.55rem 1.15rem;
  font-size: 0.875rem;
  color: var(--text-body);
  font-weight: 500;
}

.dropdown-menu li a i {
  color: var(--accent-blue);
  width: 16px;
  font-size: 0.85rem;
}

.dropdown-menu li a:hover {
  background: var(--accent-blue-soft);
  color: var(--accent-blue);
  padding-left: 1.35rem;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-shrink: 0;
}

.header-phone-link {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-family: var(--font-heading);
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--text-heading);
}

.header-phone-link i {
  color: var(--accent-emerald);
  font-size: 0.9rem;
}

.header-phone-link:hover {
  color: var(--accent-blue);
}

.header-quote-btn {
  font-size: 0.875rem;
  padding: 0.55rem 1.15rem;
}

.mobile-toggle-btn {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 26px;
  height: 18px;
  background: transparent;
  border: none;
  cursor: pointer;
}

.mobile-toggle-btn span {
  width: 100%;
  height: 2px;
  background-color: var(--text-heading);
  border-radius: 2px;
  transition: all var(--transition-fast);
}

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: 76px;
  left: 0;
  width: 100%;
  height: calc(100vh - 76px);
  background: #ffffff;
  border-top: 1px solid var(--border-color);
  transform: translateX(-100%);
  transition: transform var(--transition-normal);
  z-index: 999;
  overflow-y: auto;
  display: none;
}

.mobile-drawer.active {
  transform: translateX(0);
}

.mobile-drawer-content {
  padding: 2rem 1.5rem;
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
  border-bottom: 1px solid var(--border-color);
  padding-bottom: 1.5rem;
  margin-bottom: 1.5rem;
}

.mobile-nav-link {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--text-heading);
  display: block;
}

.bilingual-tag {
  font-size: 0.85rem;
  color: var(--accent-emerald);
  text-align: center;
  font-weight: 600;
}

/* ==========================================================================
   3. Hero Section (Light Mode)
   ========================================================================== */
.hero-section {
  position: relative;
  min-height: 82vh;
  display: flex;
  align-items: center;
  padding: 4.5rem 0 5rem 0;
  overflow: hidden;
  background-color: #f8fafc;
}

.hero-bg-img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 1;
}

.hero-bg-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    102deg,
    rgba(255, 255, 255, 0.98) 0%,
    rgba(248, 250, 252, 0.94) 54%,
    rgba(255, 255, 255, 0.78) 100%
  );
  z-index: 2;
}

.hero-container {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: 1.25fr 0.95fr;
  gap: 3.5rem;
  align-items: center;
}

/* Hero Leaf-Wreath Badge (Mandatory) */
.hero-leaf-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--accent-emerald-soft);
  border: 1px solid var(--accent-emerald-border);
  border-radius: var(--radius-full);
  padding: 0.35rem 1rem;
  margin-bottom: 1.25rem;
  animation: badgeFadeIn 0.8s ease-out;
  box-shadow: 0 2px 6px rgba(5, 150, 105, 0.08);
}

.hero-leaf-badge .leaf-icon {
  font-size: 0.95rem;
}

.hero-leaf-badge .leaf-icon.mirrored {
  transform: scaleX(-1);
}

.hero-leaf-badge .badge-text {
  font-family: var(--font-heading);
  font-size: 0.725rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--accent-emerald-dark);
  text-transform: uppercase;
}

@keyframes badgeFadeIn {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-title {
  font-size: clamp(2.3rem, 4vw, 3.4rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-bottom: 1.15rem;
  color: var(--text-heading);
}

.hero-title .highlight-text {
  background: linear-gradient(135deg, var(--accent-blue) 0%, var(--accent-emerald) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-body);
  line-height: 1.65;
  margin-bottom: 2rem;
  max-width: 580px;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  margin-bottom: 2.25rem;
  flex-wrap: wrap;
}

.hero-trust-strip {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border-color);
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-body);
}

.trust-stars {
  color: var(--accent-gold);
  display: flex;
  gap: 0.15rem;
  font-size: 0.775rem;
}

.trust-icon {
  color: var(--accent-emerald);
}

.trust-divider {
  width: 1px;
  height: 16px;
  background-color: var(--border-dark);
}

/* Hero Instant Quote Card (Light Mode) */
.hero-form-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-lg);
  position: relative;
}

.form-header {
  margin-bottom: 1.35rem;
}

.form-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: var(--accent-blue-soft);
  color: var(--accent-blue);
  font-size: 0.725rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 0.2rem 0.55rem;
  border-radius: var(--radius-sm);
  margin-bottom: 0.4rem;
}

.form-title {
  font-size: 1.45rem;
  margin-bottom: 0.2rem;
  color: var(--text-heading);
}

.form-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.form-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.form-field.full-width {
  width: 100%;
}

.form-field.half-width {
  width: calc(50% - 0.425rem);
}

.form-field label {
  font-size: 0.775rem;
  font-weight: 600;
  color: var(--text-heading);
}

.form-field input,
.form-field select,
.main-quote-form input,
.main-quote-form select,
.main-quote-form textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  color: var(--text-heading);
  font-family: var(--font-body);
  font-size: 0.875rem;
  transition: all var(--transition-fast);
}

.form-field input:focus,
.form-field select:focus,
.main-quote-form input:focus,
.main-quote-form select:focus,
.main-quote-form textarea:focus {
  outline: none;
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
  background-color: #ffffff;
}

.form-field select option,
.main-quote-form select option {
  background-color: #ffffff;
  color: var(--text-heading);
}

/* Checkbox Style (Light Mode) */
.checkbox-container {
  display: flex;
  align-items: flex-start;
  position: relative;
  cursor: pointer;
  font-size: 0.725rem;
  line-height: 1.35;
  color: var(--text-muted);
  user-select: none;
  gap: 0.5rem;
}

.checkbox-container input {
  position: absolute;
  opacity: 0;
  cursor: pointer;
  height: 0;
  width: 0;
}

.checkmark {
  width: 16px;
  height: 16px;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-dark);
  border-radius: 4px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
  margin-top: 1px;
}

.checkbox-container input:checked ~ .checkmark {
  background-color: var(--accent-blue);
  border-color: var(--accent-blue);
}

.checkbox-container input:checked ~ .checkmark::after {
  content: "✔";
  color: white;
  font-size: 10px;
}

.form-privacy-note {
  font-size: 0.725rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 0.85rem;
}

/* ==========================================================================
   4. Featured Stats Strip (Light Mode)
   ========================================================================== */
.stats-section {
  background: #ffffff;
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  padding: 2.75rem 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.stat-card {
  text-align: center;
  padding: 0.75rem;
}

.stat-icon {
  font-size: 1.6rem;
  color: var(--accent-blue);
  margin-bottom: 0.4rem;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.3rem;
  font-weight: 800;
  color: var(--text-heading);
  margin-bottom: 0.2rem;
  line-height: 1.1;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--text-muted);
  font-weight: 500;
}

/* ==========================================================================
   5. Customer Service Portal Hub (Light Mode)
   ========================================================================== */
.portal-section {
  padding: 5.5rem 0;
  background: var(--bg-secondary);
}

.portal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.portal-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  position: relative;
  box-shadow: var(--shadow-sm);
}

.portal-card:hover {
  transform: translateY(-5px);
  border-color: var(--accent-blue-border);
  box-shadow: var(--shadow-hover);
}

.portal-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  color: #ffffff;
  margin-bottom: 1.2rem;
}

.portal-icon.bg-blue { background: linear-gradient(135deg, #2563eb, #1d4ed8); }
.portal-icon.bg-emerald { background: linear-gradient(135deg, #10b981, #059669); }
.portal-icon.bg-gold { background: linear-gradient(135deg, #f59e0b, #d97706); }
.portal-icon.bg-indigo { background: linear-gradient(135deg, #6366f1, #4f46e5); }

.portal-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.4rem;
  color: var(--text-heading);
}

.portal-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 1.35rem;
  flex-grow: 1;
}

.portal-link {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent-blue);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  transition: gap var(--transition-fast);
}

.portal-card:hover .portal-link {
  gap: 0.6rem;
  color: var(--accent-blue-dark);
}

/* ==========================================================================
   6. Services Grid: Personal & Commercial (Light Mode)
   ========================================================================== */
.services-section {
  padding: 5.5rem 0;
  background: #ffffff;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.service-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}

.service-card:hover {
  transform: translateY(-6px);
  border-color: var(--accent-blue-border);
  box-shadow: var(--shadow-hover);
}

.service-img-wrapper {
  position: relative;
  height: 210px;
  overflow: hidden;
  background-color: var(--bg-surface);
}

.service-img-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.service-card:hover .service-img-wrapper img {
  transform: scale(1.06);
}

.service-badge {
  position: absolute;
  top: 0.85rem;
  left: 0.85rem;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  border: 1px solid var(--border-color);
  color: var(--accent-blue);
  font-size: 0.725rem;
  font-weight: 700;
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  box-shadow: var(--shadow-sm);
}

.service-body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.service-title {
  font-size: 1.25rem;
  margin-bottom: 0.65rem;
  color: var(--text-heading);
}

.service-text {
  font-size: 0.875rem;
  color: var(--text-body);
  line-height: 1.55;
  margin-bottom: 1.15rem;
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

.service-features li {
  font-size: 0.825rem;
  color: var(--text-body);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.service-features li i {
  color: var(--accent-emerald);
  font-size: 0.85rem;
}

.service-btn {
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--accent-blue);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: all var(--transition-fast);
}

.service-btn:hover {
  color: var(--accent-blue-dark);
  padding-left: 0.3rem;
}

/* ==========================================================================
   7. Scrolling Marquee: Carrier Partners (Light Mode)
   ========================================================================== */
.marquee-section {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  padding: 2.25rem 0;
  overflow: hidden;
}

.marquee-header {
  text-align: center;
  margin-bottom: 1.25rem;
}

.marquee-title {
  font-size: 0.775rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--text-muted);
  text-transform: uppercase;
}

.marquee-track {
  display: flex;
  width: 100%;
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
}

.marquee-content {
  display: flex;
  gap: 1.5rem;
  animation: marqueeScroll 24s linear infinite;
  white-space: nowrap;
}

.carrier-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #ffffff;
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-full);
  padding: 0.5rem 1.35rem;
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-heading);
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.04);
}

.carrier-pill i {
  color: var(--accent-blue);
}

@keyframes marqueeScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ==========================================================================
   8. About / Why Choose PMG (Light Mode)
   ========================================================================== */
.about-section {
  padding: 5.5rem 0;
  background: #ffffff;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 4rem;
  align-items: center;
}

.about-image-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-lg);
}

.about-main-img {
  width: 100%;
  height: auto;
  display: block;
}

.about-floating-badge {
  position: absolute;
  bottom: 1.25rem;
  right: 1.25rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border: 1px solid var(--accent-emerald-border);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: 0 8px 20px rgba(0,0,0,0.1);
}

.about-floating-badge .badge-num {
  font-family: var(--font-heading);
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--accent-emerald);
  line-height: 1;
}

.about-floating-badge .badge-txt {
  font-size: 0.725rem;
  color: var(--text-heading);
  font-weight: 600;
  text-align: center;
  margin-top: 0.2rem;
}

.about-lead {
  font-size: 1.1rem;
  color: var(--text-heading);
  line-height: 1.6;
  margin-bottom: 0.85rem;
  font-weight: 500;
}

.about-text {
  font-size: 0.925rem;
  color: var(--text-body);
  line-height: 1.65;
  margin-bottom: 1.75rem;
}

.benefits-grid {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2.25rem;
}

.benefit-item {
  display: flex;
  gap: 1rem;
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.15rem;
}

.benefit-icon {
  width: 40px;
  height: 40px;
  background: var(--accent-blue-soft);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-blue);
  font-size: 1.15rem;
  flex-shrink: 0;
}

.benefit-item h4 {
  font-size: 1rem;
  margin-bottom: 0.2rem;
  color: var(--text-heading);
}

.benefit-item p {
  font-size: 0.825rem;
  color: var(--text-muted);
}

.about-cta-row {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.about-agent-signature {
  display: flex;
  flex-direction: column;
  border-left: 2px solid var(--accent-emerald);
  padding-left: 0.85rem;
}

.about-agent-signature strong {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--text-heading);
}

.about-agent-signature span {
  font-size: 0.775rem;
  color: var(--text-muted);
}

/* ==========================================================================
   9. Testimonials (Real Google Reviews - Light Mode)
   ========================================================================== */
.reviews-section {
  padding: 5.5rem 0;
  background: var(--bg-secondary);
}

.google-badge-inline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-full);
  padding: 0.35rem 1.15rem;
  margin-top: 0.85rem;
  box-shadow: var(--shadow-sm);
}

.google-badge-inline i.fa-google {
  color: #4285F4;
  font-size: 1rem;
}

.google-badge-inline .stars {
  color: var(--accent-gold);
  font-size: 0.8rem;
}

.google-badge-inline .score {
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--text-heading);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.review-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  box-shadow: var(--shadow-sm);
}

.review-card:hover {
  transform: translateY(-5px);
  border-color: var(--accent-blue-border);
  box-shadow: var(--shadow-hover);
}

.review-header {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 1.15rem;
  position: relative;
}

.reviewer-avatar {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--accent-blue) 0%, var(--accent-emerald) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-weight: 700;
  font-size: 0.95rem;
}

.reviewer-info h4 {
  font-size: 1rem;
  margin-bottom: 0.15rem;
  color: var(--text-heading);
}

.review-stars {
  color: var(--accent-gold);
  font-size: 0.725rem;
}

.google-icon-corner {
  position: absolute;
  right: 0;
  top: 0;
  color: #4285F4;
  font-size: 1.1rem;
  opacity: 0.8;
}

.review-quote {
  font-size: 0.875rem;
  color: var(--text-body);
  line-height: 1.6;
  font-style: italic;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.review-footer {
  border-top: 1px solid var(--border-subtle);
  padding-top: 0.85rem;
}

.verified-tag {
  font-size: 0.725rem;
  color: var(--accent-emerald);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-weight: 600;
}

/* ==========================================================================
   10. FAQ Section (Light Mode)
   ========================================================================== */
.faq-section {
  padding: 5.5rem 0;
  background: #ffffff;
}

.faq-accordion {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

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

.faq-item.active {
  border-color: var(--accent-blue);
  background: #ffffff;
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: transparent;
  border: none;
  color: var(--text-heading);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  gap: 1rem;
}

.faq-icon {
  color: var(--accent-blue);
  transition: transform var(--transition-normal);
  flex-shrink: 0;
  font-size: 0.85rem;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--accent-emerald);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-answer p {
  padding: 0 1.5rem 1.35rem 1.5rem;
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.65;
}

/* ==========================================================================
   11. Interactive Quote Request & Contact Section (Light Mode)
   ========================================================================== */
.quote-contact-section {
  padding: 5.5rem 0;
  background: var(--bg-secondary);
}

.quote-contact-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: 3rem;
  align-items: flex-start;
}

.quote-form-wrapper {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.form-title-box {
  margin-bottom: 1.75rem;
}

.main-quote-form {
  display: flex;
  flex-direction: column;
  gap: 1.15rem;
}

.form-row {
  display: flex;
  gap: 0.85rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form-group.col-6 {
  width: 50%;
}

.form-group label {
  font-size: 0.775rem;
  font-weight: 600;
  color: var(--text-heading);
}

.contact-info-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-md);
}

.contact-header {
  margin-bottom: 1.75rem;
}

.contact-header h3 {
  font-size: 1.4rem;
  margin-bottom: 0.3rem;
  color: var(--text-heading);
}

.contact-header p {
  font-size: 0.825rem;
  color: var(--text-muted);
}

.contact-details-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-bottom: 1.75rem;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
}

.contact-item .contact-icon {
  width: 36px;
  height: 36px;
  background: var(--accent-blue-soft);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-blue);
  font-size: 0.95rem;
  flex-shrink: 0;
}

.contact-item strong {
  display: block;
  font-size: 0.775rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.1rem;
}

.contact-item p {
  font-size: 0.9rem;
  color: var(--text-heading);
  line-height: 1.4;
  font-weight: 500;
}

.contact-item a:hover {
  color: var(--accent-blue);
}

.map-embed-wrapper {
  overflow: hidden;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
}

/* ==========================================================================
   12. Service Areas Tags (Light Mode)
   ========================================================================== */
.service-areas-section {
  padding: 4.5rem 0;
  background: #ffffff;
  border-top: 1px solid var(--border-color);
}

.areas-tag-cloud {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
  max-width: 850px;
  margin: 0 auto;
}

.area-tag {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-full);
  padding: 0.45rem 1.15rem;
  font-size: 0.825rem;
  font-weight: 500;
  color: var(--text-heading);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: all var(--transition-fast);
}

.area-tag i {
  color: var(--accent-emerald);
  font-size: 0.75rem;
}

.area-tag:hover {
  border-color: var(--accent-blue);
  color: var(--accent-blue);
  background: var(--accent-blue-soft);
  transform: translateY(-2px);
}

/* ==========================================================================
   13. Footer (Professional Slate Navy Base)
   ========================================================================== */
.site-footer {
  background: var(--bg-dark-accent);
  color: #e2e8f0;
  padding: 4.5rem 0 2rem 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.25fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-logo .logo-main {
  color: #ffffff;
}

.footer-about {
  font-size: 0.85rem;
  color: #94a3b8;
  line-height: 1.6;
  margin: 1rem 0 1.25rem 0;
}

.footer-social-links {
  display: flex;
  gap: 0.65rem;
}

.footer-social-links a {
  width: 34px;
  height: 34px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 0.85rem;
  transition: all var(--transition-fast);
}

.footer-social-links a:hover {
  background: var(--accent-blue);
  border-color: var(--accent-blue);
  transform: translateY(-2px);
}

.footer-heading {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1.15rem;
  color: #ffffff;
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.footer-nav li a {
  font-size: 0.85rem;
  color: #94a3b8;
  transition: all var(--transition-fast);
}

.footer-nav li a:hover {
  color: #ffffff;
  padding-left: 0.3rem;
}

.footer-address {
  font-style: normal;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  font-size: 0.85rem;
  color: #94a3b8;
}

.footer-address strong {
  color: #ffffff;
}

.footer-address p {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}

.footer-address i {
  color: var(--accent-emerald-light);
  margin-top: 0.2rem;
}

.footer-address a:hover {
  color: #ffffff;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.75rem;
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

.copyright-text {
  font-size: 0.8rem;
  color: #94a3b8;
}

.footer-legal-links {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-size: 0.8rem;
  color: #94a3b8;
}

.footer-legal-links a:hover {
  color: #ffffff;
}

/* ==========================================================================
   14. Sticky Mobile Click-to-Call Bar (Mandatory)
   ========================================================================== */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid var(--border-color);
  padding: 0.65rem 1rem;
  padding-bottom: max(10px, env(safe-area-inset-bottom));
  z-index: 10000;
  box-shadow: 0 -4px 15px rgba(0, 0, 0, 0.08);
}

.mobile-call-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 46px;
  background: linear-gradient(135deg, var(--accent-blue) 0%, var(--accent-blue-dark) 100%);
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  letter-spacing: 0.02em;
  border-radius: var(--radius-sm);
  text-decoration: none;
  box-shadow: 0 4px 12px var(--accent-blue-glow);
}

/* ==========================================================================
   15. Responsive Media Queries (Mobile-First Optimization)
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-container {
    grid-template-columns: 1fr;
    gap: 3rem;
    justify-items: center;
  }

  .hero-content {
    max-width: 620px;
    margin: 0 auto;
    text-align: center;
  }

  .hero-leaf-badge {
    margin: 0 auto 1.25rem auto;
  }

  .hero-desc {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-cta-group {
    justify-content: center;
  }

  .hero-trust-strip {
    justify-content: center;
  }

  .hero-form-card {
    max-width: 520px;
    width: 100%;
    margin: 0 auto;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .portal-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .quote-contact-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
    justify-items: center;
  }

  .quote-form-wrapper,
  .contact-info-card {
    max-width: 620px;
    width: 100%;
    margin: 0 auto;
  }

  .subpage-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .subpage-sidebar {
    width: 100%;
    max-width: 620px;
    margin: 0 auto;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  body {
    padding-bottom: 74px; /* Safe distance for sticky bottom bar */
  }

  .container {
    padding-left: 1.25rem;
    padding-right: 1.25rem;
  }

  .announcement-bar {
    display: none;
  }

  .header-container {
    height: 68px;
    gap: 0.5rem;
  }

  .brand-logo-img {
    height: 36px;
    max-width: 175px;
  }

  .main-nav {
    display: none;
  }

  .header-actions {
    gap: 0.5rem;
  }

  .header-phone-link {
    display: none;
  }

  .header-quote-btn {
    padding: 0.45rem 0.85rem;
    font-size: 0.825rem;
    white-space: nowrap;
  }

  .mobile-toggle-btn {
    display: flex;
  }

  .mobile-drawer {
    display: block;
  }

  .hero-section {
    padding: 2.5rem 0 3.5rem 0;
  }

  .hero-title {
    font-size: 2.15rem;
    line-height: 1.15;
  }

  /* Centered Quote Form on Mobile */
  .hero-form-card {
    padding: 1.75rem 1.25rem;
    border-radius: var(--radius-md);
    width: 100%;
    max-width: 480px;
    margin: 0 auto;
    box-sizing: border-box;
    box-shadow: var(--shadow-md);
  }

  .form-header {
    text-align: center;
    margin-bottom: 1.25rem;
  }

  .form-title {
    font-size: 1.35rem;
  }

  .form-grid {
    gap: 0.85rem;
  }

  .form-field.half-width,
  .form-field.full-width {
    width: 100%;
  }

  /* Mobile-friendly touch inputs & 16px iOS font */
  .form-field input,
  .form-field select,
  .main-quote-form input,
  .main-quote-form select,
  .main-quote-form textarea {
    font-size: 16px !important;
    min-height: 48px;
    padding: 0.75rem 0.85rem;
    border-radius: var(--radius-sm);
    box-sizing: border-box;
  }

  .form-row {
    flex-direction: column;
    gap: 0.85rem;
    width: 100%;
  }

  .form-group.col-6 {
    width: 100%;
  }

  .quote-form-wrapper {
    padding: 1.75rem 1.25rem;
    border-radius: var(--radius-md);
    width: 100%;
    max-width: 520px;
    margin: 0 auto;
    box-sizing: border-box;
  }

  .contact-info-card {
    padding: 1.75rem 1.25rem;
    border-radius: var(--radius-md);
    width: 100%;
    max-width: 520px;
    margin: 0 auto;
    box-sizing: border-box;
  }

  .services-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .portal-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .page-cta-banner {
    padding: 2.5rem 0;
  }

  .cta-banner-card {
    flex-direction: column;
    text-align: center;
    gap: 1.5rem;
    padding: 2rem 1.25rem;
  }

  .cta-banner-actions {
    width: 100%;
    flex-direction: column;
    gap: 0.75rem;
  }

  .cta-banner-actions .btn {
    width: 100%;
    justify-content: center;
    min-height: 48px;
  }

  .carrier-table-wrapper {
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-color);
  }

  .carrier-table {
    min-width: 520px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2.25rem;
  }

  .footer-bottom-inner {
    flex-direction: column;
    text-align: center;
    gap: 0.75rem;
  }

  .mobile-cta-bar {
    display: flex;
  }
}

@media (max-width: 480px) {
  .container {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .header-container {
    height: 60px;
    gap: 0.35rem;
  }

  .brand-logo-img {
    height: 28px;
    max-width: 125px;
  }

  .header-actions {
    gap: 0.35rem;
  }

  .header-quote-btn {
    padding: 0.35rem 0.55rem;
    font-size: 0.725rem;
    white-space: nowrap;
  }

  .mobile-toggle-btn {
    width: 34px;
    height: 34px;
    padding: 6px;
  }

  .hero-title {
    font-size: 1.85rem;
  }

  .hero-form-card {
    padding: 1.35rem 1rem;
    max-width: 100%;
  }

  .quote-form-wrapper {
    padding: 1.35rem 1rem;
    max-width: 100%;
  }

  .contact-info-card {
    padding: 1.35rem 1rem;
    max-width: 100%;
  }

  .form-title {
    font-size: 1.25rem;
  }

  .hero-leaf-badge {
    font-size: 0.65rem;
    padding: 0.3rem 0.65rem;
  }

  .hero-trust-strip {
    flex-direction: column;
    gap: 0.75rem;
  }

  .trust-divider {
    display: none;
  }
}

/* ==========================================================================
   16. Sub-Page Specific Styles (Light Mode)
   ========================================================================== */
.subpage-hero {
  background: linear-gradient(135deg, #f8fafc 0%, #edf2f7 100%);
  border-bottom: 1px solid var(--border-color);
  padding: 3.5rem 0 3.75rem 0;
  position: relative;
}

.breadcrumbs {
  font-size: 0.825rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.breadcrumbs a {
  color: var(--accent-blue);
  font-weight: 500;
}

.breadcrumbs a:hover {
  text-decoration: underline;
}

.subpage-title {
  font-size: clamp(2.1rem, 3.5vw, 2.9rem);
  font-weight: 800;
  color: var(--text-heading);
  letter-spacing: -0.025em;
  margin-bottom: 0.75rem;
  max-width: 850px;
}

.subpage-subtitle {
  font-size: 1.1rem;
  color: var(--text-body);
  max-width: 750px;
  line-height: 1.6;
}

.subpage-main {
  padding: 4.5rem 0;
  background: #ffffff;
}

.subpage-grid {
  display: grid;
  grid-template-columns: 1.65fr 1fr;
  gap: 3.5rem;
  align-items: flex-start;
}

.content-block {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.content-block h2 {
  font-size: 1.75rem;
  color: var(--text-heading);
  margin-top: 1rem;
  margin-bottom: 0.5rem;
}

.content-block h3 {
  font-size: 1.35rem;
  color: var(--text-heading);
  margin-top: 0.75rem;
  margin-bottom: 0.25rem;
}

.content-block p {
  font-size: 0.975rem;
  color: var(--text-body);
  line-height: 1.7;
}

.content-block ul {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-left: 0.5rem;
}

.content-block ul li {
  font-size: 0.95rem;
  color: var(--text-body);
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
}

.content-block ul li i {
  color: var(--accent-emerald);
  margin-top: 0.3rem;
  font-size: 0.85rem;
}

.highlight-box {
  background: var(--accent-blue-soft);
  border-left: 4px solid var(--accent-blue);
  border-radius: var(--radius-sm);
  padding: 1.25rem 1.5rem;
  margin: 1.25rem 0;
}

.highlight-box p {
  color: var(--text-heading);
  font-weight: 500;
}

.subpage-sidebar {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  position: sticky;
  top: 100px;
}

.sidebar-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-card h3 {
  font-size: 1.25rem;
  margin-bottom: 1rem;
  color: var(--text-heading);
  border-bottom: 2px solid var(--accent-blue);
  padding-bottom: 0.5rem;
  display: inline-block;
}

.sidebar-nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.sidebar-nav-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.65rem 0.85rem;
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-heading);
  transition: all var(--transition-fast);
}

.sidebar-nav-list a:hover {
  background: var(--accent-blue);
  color: #ffffff;
  border-color: var(--accent-blue);
  padding-left: 1.1rem;
}

/* Carrier Claims & Payment Directory Table */
.carrier-table-wrapper {
  overflow-x: auto;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  margin-top: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.carrier-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.9rem;
}

.carrier-table th {
  background: var(--bg-secondary);
  color: var(--text-heading);
  font-family: var(--font-heading);
  font-weight: 700;
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--border-color);
}

.carrier-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--border-color);
  color: var(--text-body);
}

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

.carrier-table tr:hover {
  background: var(--accent-blue-soft);
}

.carrier-phone-link {
  color: var(--accent-blue);
  font-weight: 700;
}

.carrier-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: #ffffff;
  border: 1px solid var(--border-dark);
  color: var(--text-heading);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 600;
}

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

/* Page CTA Banner */
.page-cta-banner {
  padding: 3.5rem 0;
  background: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
}

.cta-banner-card {
  background: linear-gradient(135deg, #ffffff 0%, var(--accent-blue-soft) 100%);
  border: 1px solid var(--accent-blue-border);
  border-radius: var(--radius-lg);
  padding: 2.75rem 3rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  box-shadow: var(--shadow-md);
  flex-wrap: wrap;
}

.cta-banner-text h2 {
  font-size: 1.85rem;
  margin-bottom: 0.4rem;
  color: var(--text-heading);
}

.cta-banner-text p {
  color: var(--text-body);
  font-size: 1.05rem;
}

.cta-banner-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 900px) {
  .subpage-grid {
    grid-template-columns: 1fr;
  }
  .subpage-sidebar {
    position: static;
  }
  .cta-banner-card {
    padding: 2rem;
  }
}