/* ============================================================
   MERIDIAN INSURANCE GROUP — style.css
   ============================================================ */

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

:root {
  --primary:        #1e3a6e;
  --primary-dark:   #0f1f3d;
  --primary-glow:   rgba(30,58,110,0.1);
  --primary-light:  #eef2f9;
  --accent:         #c9982a;
  --accent-light:   #fdf5e0;
  --bg:             #ffffff;
  --bg-alt:         #f4f6fa;
  --surface:        #ffffff;
  --border:         #dde2ec;
  --text:           #0d1526;
  --text-muted:     #4a5568;
  --text-light:     #8898aa;
  --green:          #16a34a;
  --radius:         10px;
  --radius-lg:      16px;
  --shadow-sm:      0 1px 3px rgba(0,0,0,.06), 0 2px 8px rgba(0,0,0,.04);
  --shadow:         0 2px 8px rgba(0,0,0,.06), 0 6px 24px rgba(0,0,0,.06);
  --shadow-lg:      0 8px 32px rgba(0,0,0,.10), 0 2px 8px rgba(0,0,0,.06);
  --font-head:      'Plus Jakarta Sans', system-ui, sans-serif;
  --font-body:      'Inter', system-ui, sans-serif;
  --max-w:          1200px;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font-body); background: var(--bg); color: var(--text); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

/* ── SCROLL PROGRESS ── */
#scrollProgress { position: fixed; top: 0; left: 0; height: 3px; background: var(--accent); width: 0%; z-index: 9999; transition: width .1s linear; }

/* ── PROMO BAR ── */
.promo-bar { background: var(--primary-dark); color: #fff; padding: 10px 24px; display: flex; align-items: center; justify-content: center; gap: 12px; font-size: 13px; font-weight: 500; position: relative; }
.promo-bar a { color: var(--accent); font-weight: 700; white-space: nowrap; }
.promo-close { background: none; border: none; color: rgba(255,255,255,.5); cursor: pointer; margin-left: auto; padding: 4px; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); transition: color .15s; }
.promo-close:hover { color: #fff; }

/* ── NAVBAR ── */
.navbar { position: sticky; top: 0; z-index: 500; background: rgba(255,255,255,.95); backdrop-filter: blur(16px); border-bottom: 1px solid var(--border); transition: box-shadow .2s; }
.navbar.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,.08); }
.navbar-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; height: 68px; display: flex; align-items: center; gap: 24px; }
.navbar-brand { display: flex; flex-direction: column; text-decoration: none; line-height: 1; }
.navbar-brand .brand-main { font-family: var(--font-head); font-size: 1.1rem; font-weight: 800; color: var(--primary); letter-spacing: .02em; }
.navbar-brand .brand-sub  { font-size: 9px; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--accent); }
.navbar-links { display: flex; align-items: center; gap: 4px; list-style: none; margin-left: auto; }
.navbar-links a { font-size: 14px; font-weight: 500; padding: 8px 12px; border-radius: 8px; color: var(--text-muted); transition: color .15s, background .15s; }
.navbar-links a:hover { color: var(--primary); background: var(--primary-light); }
.navbar-actions { display: flex; align-items: center; gap: 8px; }
.btn-nav-ghost { padding: 9px 18px; font-size: 14px; font-weight: 600; color: var(--primary); background: transparent; border: 1.5px solid var(--border); border-radius: 8px; cursor: pointer; transition: all .15s; white-space: nowrap; }
.btn-nav-ghost:hover { border-color: var(--primary); background: var(--primary-light); }
.btn-nav-cta { padding: 9px 20px; font-size: 14px; font-weight: 700; color: #fff; background: var(--primary); border: none; border-radius: 8px; cursor: pointer; transition: background .15s, transform .15s; white-space: nowrap; }
.btn-nav-cta:hover { background: var(--primary-dark); transform: translateY(-1px); }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: transform .2s, opacity .2s; }
.mobile-menu { display: none; flex-direction: column; background: #fff; border-top: 1px solid var(--border); padding: 16px 24px 24px; gap: 4px; }
.mobile-menu a { padding: 10px 12px; font-size: 15px; font-weight: 500; border-radius: 8px; color: var(--text-muted); transition: background .15s, color .15s; }
.mobile-menu a:hover { background: var(--primary-light); color: var(--primary); }
.mobile-menu .btn-nav-cta { margin-top: 8px; text-align: center; padding: 12px; border-radius: 10px; }
.navbar.open .mobile-menu { display: flex; }

/* ── HERO ── */
.hero { min-height: 88vh; display: flex; align-items: center; position: relative; overflow: hidden; background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #2c5282 100%); }
.hero-bg-img { position: absolute; inset: 0; z-index: 0; }
.hero-bg-img img { width: 100%; height: 100%; object-fit: cover; opacity: 0.12; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(15,31,61,.92) 50%, rgba(15,31,61,.5)); z-index: 1; }
.hero .container { position: relative; z-index: 2; max-width: var(--max-w); margin: 0 auto; padding: 100px 24px 80px; display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); background: rgba(201,152,42,.12); border: 1px solid rgba(201,152,42,.3); padding: 6px 14px; border-radius: 100px; margin-bottom: 20px; }
.hero-h1 { font-family: var(--font-head); font-size: clamp(2.4rem, 5vw, 3.6rem); font-weight: 800; line-height: 1.08; color: #fff; letter-spacing: -.02em; margin-bottom: 20px; }
.hero-h1 span { color: var(--accent); }
.hero-sub { font-size: 1.0625rem; color: rgba(255,255,255,.75); line-height: 1.7; margin-bottom: 36px; max-width: 520px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 48px; }
.btn-primary { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; font-size: 15px; font-weight: 700; color: var(--primary-dark); background: var(--accent); border: none; border-radius: 9px; cursor: pointer; transition: all .18s; }
.btn-primary:hover { background: #b8871f; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,152,42,.35); }
.btn-outline { display: inline-flex; align-items: center; gap: 8px; padding: 13px 26px; font-size: 15px; font-weight: 600; color: #fff; background: transparent; border: 1.5px solid rgba(255,255,255,.3); border-radius: 9px; cursor: pointer; transition: all .18s; }
.btn-outline:hover { border-color: rgba(255,255,255,.7); background: rgba(255,255,255,.08); }
.hero-stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.hero-stat { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 10px; padding: 16px; text-align: center; }
.hero-stat .stat-num { font-family: var(--font-head); font-size: 1.8rem; font-weight: 800; color: #fff; letter-spacing: -.02em; line-height: 1; }
.hero-stat .stat-label { font-size: 11px; color: rgba(255,255,255,.55); margin-top: 4px; font-weight: 500; }
.hero-image-wrap { position: relative; }
.hero-image-wrap img { width: 100%; border-radius: 16px; box-shadow: 0 32px 80px rgba(0,0,0,.4); }
.hero-badge { position: absolute; bottom: -16px; left: -16px; background: #fff; border-radius: 12px; padding: 14px 18px; box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 10px; }
.hero-badge .badge-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); }
.hero-badge .badge-text strong { display: block; font-size: 14px; font-weight: 700; color: var(--text); }
.hero-badge .badge-text span { font-size: 12px; color: var(--text-muted); }

/* ── TRUST BAR ── */
.trust-bar { background: var(--bg-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 16px 24px; overflow: hidden; }
.trust-bar-inner { max-width: var(--max-w); margin: 0 auto; display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: center; align-items: center; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 600; color: var(--text-muted); white-space: nowrap; }
.trust-item svg { color: var(--accent); flex-shrink: 0; }

/* ── SECTIONS ── */
.section { padding: 96px 24px; }
.section-alt { background: var(--bg-alt); }
.container { max-width: var(--max-w); margin: 0 auto; }
.section-eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.section-headline { font-family: var(--font-head); font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; color: var(--text); line-height: 1.15; letter-spacing: -.02em; margin-bottom: 16px; }
.section-sub { font-size: 1.0625rem; color: var(--text-muted); line-height: 1.7; max-width: 600px; }
.section-header { margin-bottom: 56px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-sub { margin: 0 auto; }

/* ── COVERAGE CARDS ── */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.coverage-card { background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 28px; transition: all .22s; display: flex; flex-direction: column; gap: 14px; }
.coverage-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-3px); }
.coverage-icon { width: 52px; height: 52px; border-radius: 12px; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); flex-shrink: 0; }
.coverage-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 8px; }
.coverage-badge { font-size: 10px; font-weight: 700; padding: 3px 9px; background: var(--accent-light); color: var(--accent); border-radius: 100px; white-space: nowrap; }
.coverage-card h3 { font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; color: var(--text); margin: 0; }
.coverage-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; flex: 1; }
.coverage-link { display: inline-flex; align-items: center; gap: 5px; font-size: 13px; font-weight: 700; color: var(--primary); margin-top: 4px; transition: gap .15s; }
.coverage-card:hover .coverage-link { gap: 8px; }

/* ── WHY US ── */
.why-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.why-image { position: relative; }
.why-image img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.why-stat-badge { position: absolute; top: -16px; right: -16px; background: var(--primary); border-radius: 12px; padding: 16px 20px; text-align: center; box-shadow: var(--shadow-lg); }
.why-stat-badge .wsb-num  { font-family: var(--font-head); font-size: 1.8rem; font-weight: 800; color: var(--accent); line-height: 1; }
.why-stat-badge .wsb-text { font-size: 11px; color: rgba(255,255,255,.75); margin-top: 2px; font-weight: 500; white-space: nowrap; }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.why-item { display: flex; gap: 14px; align-items: flex-start; }
.why-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); flex-shrink: 0; }
.why-item h4 { font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 4px; }
.why-item p  { font-size: 13px; color: var(--text-muted); line-height: 1.6; }

/* ── PROCESS ── */
.process-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; position: relative; }
.process-steps::before { content: ''; position: absolute; top: 32px; left: calc(16.67% + 16px); right: calc(16.67% + 16px); height: 1px; background: linear-gradient(to right, var(--primary) 0%, var(--accent) 100%); opacity: .3; }
.process-step { text-align: center; padding: 32px 24px; background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-lg); position: relative; }
.step-num { position: absolute; top: -14px; left: 50%; transform: translateX(-50%); background: var(--primary); color: #fff; font-family: var(--font-head); font-size: 13px; font-weight: 800; padding: 4px 14px; border-radius: 100px; letter-spacing: .05em; }
.step-icon { width: 60px; height: 60px; border-radius: 50%; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); margin: 16px auto 16px; }
.process-step h3 { font-family: var(--font-head); font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.process-step p  { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

/* ── TEAM ── */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.team-card { background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; transition: all .22s; }
.team-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: rgba(30,58,110,.2); }
.team-photo { width: 100%; aspect-ratio: 4/3; overflow: hidden; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .35s; }
.team-card:hover .team-photo img { transform: scale(1.04); }
.team-body { padding: 20px 22px; }
.team-body h3 { font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; margin-bottom: 2px; }
.team-title { font-size: 12px; font-weight: 700; color: var(--accent); letter-spacing: .04em; text-transform: uppercase; margin-bottom: 10px; }
.team-bio { font-size: 13.5px; color: var(--text-muted); line-height: 1.6; margin-bottom: 12px; }
.team-lic { display: inline-flex; align-items: center; gap: 5px; font-size: 12px; font-weight: 600; color: var(--primary); background: var(--primary-light); padding: 4px 10px; border-radius: 100px; }

/* ── CLAIMS ── */
.claims-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.claims-steps { display: flex; flex-direction: column; gap: 20px; }
.claims-step { display: flex; gap: 16px; padding: 20px; background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius); transition: border-color .18s; }
.claims-step:hover { border-color: var(--primary); }
.claims-step-icon { width: 44px; height: 44px; border-radius: 10px; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); flex-shrink: 0; }
.claims-step h4 { font-weight: 700; margin-bottom: 4px; font-size: 14.5px; }
.claims-step p  { font-size: 13.5px; color: var(--text-muted); line-height: 1.6; }
.claims-cta-box { background: linear-gradient(135deg, var(--primary-dark), var(--primary)); border-radius: var(--radius-lg); padding: 40px; color: #fff; }
.claims-cta-box h3 { font-family: var(--font-head); font-size: 1.4rem; font-weight: 800; margin-bottom: 12px; }
.claims-cta-box p  { font-size: 14.5px; color: rgba(255,255,255,.8); line-height: 1.7; margin-bottom: 28px; }
.claims-hotline { display: flex; align-items: center; gap: 12px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); border-radius: 10px; padding: 16px 20px; margin-bottom: 24px; }
.claims-hotline-icon { width: 44px; height: 44px; background: var(--accent); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: #fff; flex-shrink: 0; }
.claims-hotline strong { display: block; font-size: 1.3rem; font-weight: 800; color: #fff; font-family: var(--font-head); }
.claims-hotline span  { font-size: 12px; color: rgba(255,255,255,.6); font-weight: 500; }
.btn-claims { display: inline-flex; align-items: center; gap: 8px; padding: 13px 24px; background: var(--accent); color: var(--primary-dark); font-size: 15px; font-weight: 700; border: none; border-radius: 9px; cursor: pointer; transition: all .18s; }
.btn-claims:hover { background: #b8871f; }

/* ── CARRIERS ── */
.carriers-strip { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 32px; }
.carrier-chip { padding: 10px 20px; background: var(--surface); border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; font-weight: 700; color: var(--text-muted); transition: all .18s; }
.carrier-chip:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }

/* ── REVIEWS ── */
.reviews-header-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; margin-bottom: 40px; }
.reviews-rating-box { display: flex; flex-direction: column; align-items: flex-end; gap: 4px; }
.rating-big { font-family: var(--font-head); font-size: 3.5rem; font-weight: 900; color: var(--text); line-height: 1; }
.rating-stars { display: flex; gap: 3px; }
.rating-stars svg { color: #f59e0b; }
.rating-count { font-size: 13px; color: var(--text-muted); font-weight: 500; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card { background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 28px; display: flex; flex-direction: column; gap: 16px; transition: all .22s; }
.review-card:hover { box-shadow: var(--shadow); border-color: rgba(30,58,110,.2); }
.review-stars { display: flex; gap: 2px; }
.review-stars svg { color: #f59e0b; width: 14px; height: 14px; }
.review-quote { font-size: 14.5px; color: var(--text-muted); line-height: 1.7; flex: 1; font-style: italic; }
.reviewer { display: flex; align-items: center; gap: 12px; padding-top: 8px; border-top: 1px solid var(--border); }
.reviewer-avatar { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.reviewer-name   { font-size: 14px; font-weight: 700; color: var(--text); line-height: 1.3; }
.reviewer-detail { font-size: 12px; color: var(--text-muted); }

/* ── FAQ ── */
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 8px; }
.faq-item { border: 1.5px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: border-color .18s; }
.faq-item.open { border-color: var(--primary); }
.faq-q { display: flex; align-items: center; justify-content: space-between; gap: 12px; width: 100%; padding: 18px 20px; background: none; border: none; text-align: left; font-family: var(--font-body); font-size: 15px; font-weight: 600; color: var(--text); cursor: pointer; }
.faq-q svg { flex-shrink: 0; transition: transform .2s; color: var(--text-muted); }
.faq-item.open .faq-q svg { transform: rotate(45deg); color: var(--primary); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .35s ease; }
.faq-item.open .faq-a { max-height: 400px; }
.faq-a-inner { padding: 0 20px 18px; font-size: 14.5px; color: var(--text-muted); line-height: 1.7; }

/* ── QUOTE FORM ── */
.quote-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.quote-points { display: flex; flex-direction: column; gap: 16px; margin-top: 32px; }
.quote-point { display: flex; align-items: flex-start; gap: 12px; }
.quote-point svg { color: var(--green); flex-shrink: 0; margin-top: 2px; }
.quote-point span { font-size: 14.5px; color: var(--text-muted); line-height: 1.6; }
.form-card { background: var(--surface); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--text); }
.form-group input, .form-group select, .form-group textarea {
  padding: 11px 14px; font-size: 14px; font-family: var(--font-body); color: var(--text);
  border: 1.5px solid var(--border); border-radius: 8px; background: var(--bg-alt); outline: none;
  transition: border-color .18s, background .18s; width: 100%;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); background: #fff; }
.form-group textarea { resize: vertical; min-height: 80px; }
.btn-form-submit { width: 100%; padding: 14px; background: var(--primary); color: #fff; font-size: 15px; font-weight: 700; border: none; border-radius: 9px; cursor: pointer; transition: background .18s, transform .18s; font-family: var(--font-body); }
.btn-form-submit:hover { background: var(--primary-dark); transform: translateY(-1px); }
.form-note { font-size: 12px; color: var(--text-light); text-align: center; margin-top: 10px; }

/* ── CONTACT ── */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-item { display: flex; gap: 14px; align-items: flex-start; }
.contact-item-icon { width: 44px; height: 44px; border-radius: 10px; background: var(--primary-light); display: flex; align-items: center; justify-content: center; color: var(--primary); flex-shrink: 0; }
.contact-item h4 { font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 3px; }
.contact-item p, .contact-item a { font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.contact-item a { transition: color .15s; }
.contact-item a:hover { color: var(--primary); }
.hours-table { width: 100%; }
.hours-table tr td { padding: 3px 0; font-size: 13.5px; }
.hours-table tr td:first-child { color: var(--text); font-weight: 600; width: 120px; }
.hours-table tr td:last-child  { color: var(--text-muted); }
.map-placeholder { background: var(--bg-alt); border: 1.5px solid var(--border); border-radius: var(--radius-lg); height: 260px; display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px; color: var(--text-muted); margin-top: 24px; }
.social-row { display: flex; gap: 8px; margin-top: 20px; }
.social-btn { width: 40px; height: 40px; border-radius: 9px; background: var(--bg-alt); border: 1.5px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--text-muted); transition: all .18s; }
.social-btn:hover { background: var(--primary); border-color: var(--primary); color: #fff; }

/* ── FOOTER ── */
footer { background: var(--primary-dark); color: rgba(255,255,255,.7); padding: 64px 24px 32px; }
.footer-top { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand .fb-name { font-family: var(--font-head); font-size: 1.2rem; font-weight: 800; color: #fff; letter-spacing: .02em; }
.footer-brand .fb-sub  { font-size: 10px; letter-spacing: .2em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.footer-brand p { font-size: 13px; line-height: 1.7; max-width: 280px; }
.footer-col h5 { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: #fff; margin-bottom: 16px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: 13.5px; color: rgba(255,255,255,.6); transition: color .15s; }
.footer-col ul li a:hover { color: #fff; }
.footer-bottom { max-width: var(--max-w); margin: 0 auto; border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer-copy { font-size: 13px; }

/* ── FLOAT + BACK TO TOP ── */
.float-btn { position: fixed; bottom: 88px; right: 24px; display: flex; align-items: center; gap: 8px; padding: 12px 18px; background: var(--primary); color: #fff; font-size: 13px; font-weight: 700; border-radius: 100px; box-shadow: 0 8px 24px rgba(30,58,110,.35); opacity: 0; pointer-events: none; transition: opacity .25s, transform .25s; z-index: 400; }
.float-btn:hover { transform: translateY(-2px); background: var(--primary-dark); }
.back-to-top { position: fixed; bottom: 24px; right: 24px; width: 44px; height: 44px; background: var(--primary); color: #fff; border: none; border-radius: 50%; display: flex; align-items: center; justify-content: center; cursor: pointer; box-shadow: var(--shadow); opacity: 0; transition: opacity .25s, transform .25s; z-index: 400; }
.back-to-top.visible { opacity: 1; }
.back-to-top:hover { transform: translateY(-3px); background: var(--primary-dark); }

/* ── REVEAL ── */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; gap: 48px; }
  .hero-image-wrap { display: none; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .why-layout  { grid-template-columns: 1fr; }
  .why-image   { display: none; }
  .why-grid    { grid-template-columns: repeat(3, 1fr); }
  .team-grid   { grid-template-columns: repeat(2, 1fr); }
  .claims-layout { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .quote-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .footer-top   { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .navbar-links, .navbar-actions .btn-nav-ghost { display: none; }
  .hamburger { display: flex; }
  .coverage-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .process-steps::before { display: none; }
  .team-grid { grid-template-columns: 1fr; }
  .reviews-header-row { flex-direction: column; align-items: flex-start; }
  .reviews-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .section { padding: 72px 20px; }
}
@media (max-width: 480px) {
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
}