/* Jaikar navy theme — 20260826tabs. Primary #00153d (not green). */
:root {
  --forest: #00153d;
  --forest-mid: #0a2b6b;
  --forest-deep: #000c28;
  --ink: #07111f;
  --navy: #00153d;
  --gold: #c6a35a;
  --gold-bright: #e3c57a;
  --gold-deep: #9a7833;
  --cream: #f6f1e6;
  --ivory: #fbf8f1;
  --paper: #fffdf8;
  --muted: #5a6270;
  --line: rgba(0, 21, 61, 0.12);
  --white: #ffffff;
  --shadow: 0 24px 60px rgba(0, 12, 40, 0.18);
  --radius: 4px;
  --header-h: 118px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --font: "Outfit", system-ui, sans-serif;
  --display: "Cormorant Garamond", Georgia, serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--ivory);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, textarea { font: inherit; }
button { cursor: pointer; border: 0; background: none; }
[hidden] { display: none !important; }

.container {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

/* ---------- loader ---------- */
.loader {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: grid;
  place-items: center;
  background: var(--forest-deep);
  transition: opacity 0.7s var(--ease), visibility 0.7s;
}

.loader.is-done {
  opacity: 0;
  visibility: hidden;
}

.loader-inner {
  text-align: center;
  color: var(--cream);
}

.loader-mark {
  width: 72px;
  height: 80px;
  margin: 0 auto 20px;
  display: grid;
  place-items: center;
  font-family: var(--display);
  font-size: 38px;
  font-weight: 700;
  color: var(--gold);
  border: 2px solid var(--gold);
  clip-path: polygon(50% 0, 100% 16%, 100% 62%, 50% 100%, 0 62%, 0 16%);
  animation: pulse 1.4s ease-in-out infinite;
}

.loader-bar {
  width: 180px;
  height: 2px;
  margin: 0 auto 16px;
  background: rgba(198, 163, 90, 0.2);
  overflow: hidden;
}

.loader-bar span {
  display: block;
  height: 100%;
  width: 40%;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  animation: load 1.1s ease-in-out infinite;
}

.loader-inner p {
  letter-spacing: 0.28em;
  text-transform: uppercase;
  font-size: 11px;
  color: var(--gold-bright);
}

@keyframes load {
  from { transform: translateX(-120%); }
  to { transform: translateX(320%); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.04); }
}

/* ---------- chrome ---------- */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  z-index: 1500;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold-bright));
  box-shadow: 0 0 12px var(--gold);
}

.topbar {
  display: none !important;
}

.topbar::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, transparent 40%, rgba(227, 197, 122, 0.18) 50%, transparent 60%);
  animation: sheen 5.5s ease-in-out infinite;
}

.topbar-text {
  position: relative;
  z-index: 1;
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 500;
}

@keyframes sheen {
  0% { transform: translateX(-40%); }
  100% { transform: translateX(40%); }
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 253, 248, 0.86);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.35s, background 0.35s, border-color 0.35s;
  overflow: visible;
}

.site-header.is-scrolled {
  background: rgba(251, 248, 241, 0.98);
  box-shadow: 0 10px 30px rgba(0, 10, 30, 0.08);
  border-bottom-color: var(--line);
}

.header-row {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 16px;
  padding: 18px 0 8px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  justify-self: center;
}

.logo-mark {
  width: 52px;
  height: 58px;
  display: block;
  filter: drop-shadow(0 6px 10px rgba(0, 21, 61, 0.18));
}

.logo-mark svg { width: 100%; height: 100%; }
.shield-outer { fill: var(--forest); stroke: var(--gold); stroke-width: 2.5; }
.shield-inner { fill: var(--forest-mid); }
.shield-j {
  fill: var(--gold-bright);
  font-family: "Cormorant Garamond", serif;
  font-size: 28px;
  font-weight: 700;
}

.logo-copy { display: flex; flex-direction: column; line-height: 1; }
.logo-name {
  font-family: var(--display);
  font-size: 34px;
  font-weight: 700;
  color: var(--forest);
  letter-spacing: 0.02em;
}
.logo-sub {
  margin-top: 4px;
  font-size: 11px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 600;
}

.logo-light .logo-name,
.logo-light .logo-sub { color: var(--cream); }
.logo-light .logo-sub { color: var(--gold-bright); }
.logo-light .shield-outer { fill: transparent; stroke: var(--gold); }
.logo-light .shield-inner { fill: rgba(255,255,255,0.06); }

.header-contact {
  justify-self: end;
  text-align: right;
}

.header-kicker {
  display: block;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--forest);
  font-weight: 600;
}

.header-phone {
  display: block;
  font-size: 26px;
  font-weight: 700;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
  transition: color 0.25s, text-shadow 0.25s;
}

.header-phone:hover {
  color: var(--gold);
  text-shadow: 0 0 18px rgba(198, 163, 90, 0.45);
}

.main-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 2px 14px;
  padding: 4px 16px 12px;
  position: relative;
  z-index: 20;
}

.nav-item {
  position: relative;
}

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--forest);
  padding: 8px 3px;
}

.nav-link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 6px;
  width: 100%;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.35s var(--ease);
}

.nav-item:hover > .nav-link::after,
.nav-item.is-open > .nav-link::after,
.nav-link:hover::after,
.nav-link.is-active::after {
  transform: scaleX(1);
  transform-origin: left;
}

.dropdown {
  position: absolute;
  top: calc(100% - 2px);
  left: 50%;
  min-width: 260px;
  padding: 10px 0;
  background: var(--paper);
  border: 1px solid var(--line);
  box-shadow: 0 18px 40px rgba(0, 12, 40, 0.14);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translate(-50%, 8px);
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s;
  z-index: 130;
}

.dropdown-wide {
  min-width: 520px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 8px;
}

.dropdown a {
  display: block;
  padding: 9px 18px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: 0.01em;
  white-space: nowrap;
  transition: background 0.15s, color 0.15s;
}

.dropdown a:hover {
  background: rgba(0, 21, 61, 0.06);
  color: var(--forest);
}

.nav-item:hover > .dropdown,
.nav-item:focus-within > .dropdown,
.nav-item.is-open > .dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  justify-self: end;
  position: relative;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--forest);
  margin: 5px auto;
  transition: 0.3s;
}

.nav-toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.is-open span:nth-child(2) { opacity: 0; }
.nav-toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  border-radius: 999px;
  transition: transform 0.35s var(--ease), box-shadow 0.35s, background 0.35s, color 0.35s;
  position: relative;
  overflow: hidden;
}

.btn::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,0.35) 50%, transparent 70%);
  transform: translateX(-120%);
  transition: transform 0.7s;
}

.btn:hover::before { transform: translateX(120%); }

.btn-gold {
  background: linear-gradient(180deg, var(--gold-bright), var(--gold) 40%, var(--gold-deep));
  color: var(--forest-deep);
  box-shadow: 0 10px 24px rgba(154, 120, 51, 0.28);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 32px rgba(154, 120, 51, 0.38);
}

.btn-forest {
  background: var(--forest);
  color: var(--cream);
}

.btn-quote {
  justify-self: start;
  padding: 14px 26px;
  font-size: 12px;
  border-radius: 10px;
}

.btn-pill { padding: 12px 28px; font-size: 12px; }
.btn-arrows { font-size: 16px; line-height: 1; }

/* ---------- hero ---------- */
.hero {
  position: relative;
  height: 100svh;
  min-height: 520px;
  margin-top: calc(-1 * var(--header-h));
  overflow: hidden;
}

.hero-media,
.hero-img,
.hero-wash {
  position: absolute;
  inset: 0;
}

.hero-img {
  background: url("../assets/hero-trucks.jpg") center center / cover no-repeat;
}

.hero-wash {
  background: none;
}

/* ---------- product cards ---------- */
.products {
  position: relative;
  margin-top: 0;
  padding: 56px 0 48px;
  z-index: 2;
  background: var(--ivory);
}

.cards-wrap {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.service-card {
  position: relative;
  background: linear-gradient(165deg, rgba(0, 21, 61, 0.92), rgba(0, 12, 40, 0.94));
  color: var(--cream);
  text-align: center;
  padding: 42px 28px 36px;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow);
  overflow: hidden;
  isolation: isolate;
  transition: transform 0.5s var(--ease), box-shadow 0.5s;
}

.service-card::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 1px solid rgba(198, 163, 90, 0.28);
  pointer-events: none;
}

.service-card h3 {
  font-family: var(--display);
  font-size: 32px;
  font-weight: 600;
  margin-bottom: 14px;
  position: relative;
}

.service-card p {
  font-size: 15px;
  font-weight: 300;
  max-width: 280px;
  margin-bottom: 26px;
  color: rgba(246, 241, 230, 0.88);
}

.service-card .btn { margin-top: auto; }

.service-card:hover {
  transform: translateY(-10px) scale(1.015);
  box-shadow: 0 30px 70px rgba(0, 12, 40, 0.32);
}

.card-shine {
  position: absolute;
  inset: -40%;
  background: radial-gradient(circle at 30% 20%, rgba(227, 197, 122, 0.22), transparent 42%);
  animation: drift 8s ease-in-out infinite alternate;
  z-index: -1;
}

@keyframes drift {
  from { transform: translate(-6%, -4%); }
  to { transform: translate(8%, 6%); }
}

/* ---------- about ---------- */
.about {
  padding: 72px 0 24px;
  background: var(--ivory);
}

.about-inner {
  max-width: 820px;
  text-align: center;
}

.eyebrow {
  font-size: 13px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--forest-mid);
  font-weight: 600;
  margin-bottom: 28px;
}

.about h2 {
  font-family: var(--display);
  font-size: clamp(28px, 3.4vw, 42px);
  font-weight: 600;
  color: var(--ink);
  margin: 36px 0 16px;
}

.about p {
  color: #1a2233;
  font-size: 17px;
  margin-bottom: 16px;
}

.gold-link {
  color: var(--gold-deep);
  font-weight: 600;
  background-image: linear-gradient(var(--gold), var(--gold));
  background-size: 0 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size 0.35s, color 0.25s;
}

.gold-link:hover {
  color: var(--forest);
  background-size: 100% 1px;
}

/* ---------- serve ---------- */
.serve {
  padding: 20px 0 80px;
}

.serve-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.serve-item {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 28px 24px;
  transition: transform 0.4s var(--ease), border-color 0.4s, box-shadow 0.4s;
}

.serve-item:hover {
  transform: translateY(-6px);
  border-color: rgba(198, 163, 90, 0.55);
  box-shadow: 0 16px 40px rgba(0, 21, 61, 0.08);
}

.serve-icon {
  display: block;
  font-family: var(--display);
  font-size: 28px;
  color: var(--gold);
  margin-bottom: 8px;
}

.serve-item h3 {
  font-size: 18px;
  margin-bottom: 8px;
  color: var(--forest);
}

.serve-item p { color: var(--muted); font-size: 14.5px; }

/* ---------- stats ---------- */
.stats {
  background: linear-gradient(180deg, var(--forest-deep), var(--navy));
  color: var(--cream);
  padding: 56px 0;
  position: relative;
  overflow: hidden;
}

.stats::before {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  right: -80px;
  top: -140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(198, 163, 90, 0.18), transparent 70%);
}

.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  text-align: center;
  position: relative;
}

.stat-num {
  font-family: var(--display);
  font-size: 52px;
  font-weight: 600;
  color: var(--gold-bright);
  line-height: 1;
}

.stat-plus {
  font-family: var(--display);
  font-size: 32px;
  color: var(--gold);
  margin-left: 2px;
}

.stat-label {
  display: block;
  margin-top: 8px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 12px;
  color: rgba(246, 241, 230, 0.75);
}

/* ---------- testimonials ---------- */
.testimonials {
  position: relative;
  background: linear-gradient(120deg, var(--forest) 0%, var(--forest-mid) 55%, #0d3a7a 100%);
  color: var(--white);
  padding: 88px 0;
  overflow: hidden;
}

.quote-mark {
  position: absolute;
  left: 6%;
  top: 8%;
  font-family: var(--display);
  font-size: 320px;
  line-height: 0.6;
  color: rgba(255, 255, 255, 0.07);
  animation: floaty 7s ease-in-out infinite;
  pointer-events: none;
}

@keyframes floaty {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(18px); }
}

.testimonial-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 48px;
  align-items: center;
  position: relative;
}

.testimonials h2 {
  font-size: 15px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.stars {
  display: flex;
  gap: 6px;
  margin-bottom: 22px;
}

.stars span {
  width: 18px;
  height: 18px;
  background: var(--gold-bright);
  clip-path: polygon(50% 0, 61% 35%, 98% 35%, 68% 57%, 79% 91%, 50% 70%, 21% 91%, 32% 57%, 2% 35%, 39% 35%);
  animation: twinkle 2.4s ease-in-out infinite;
}

.stars span:nth-child(2) { animation-delay: 0.15s; }
.stars span:nth-child(3) { animation-delay: 0.3s; }
.stars span:nth-child(4) { animation-delay: 0.45s; }
.stars span:nth-child(5) { animation-delay: 0.6s; }

@keyframes twinkle {
  0%, 100% { transform: scale(1); filter: brightness(1); }
  50% { transform: scale(1.12); filter: brightness(1.25); }
}

.testimonial-slider { min-height: 160px; position: relative; }

.t-slide {
  position: absolute;
  inset: 0 auto auto 0;
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.6s, transform 0.6s;
}

.t-slide.is-active {
  position: relative;
  opacity: 1;
  transform: none;
}

.t-slide p {
  font-size: 20px;
  font-weight: 300;
  max-width: 640px;
  line-height: 1.6;
}

.t-slide cite {
  display: block;
  margin-top: 18px;
  font-style: normal;
  font-weight: 500;
}

.t-dots {
  display: flex;
  gap: 8px;
  margin-top: 24px;
}

.t-dots button {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: rgba(255,255,255,0.35);
  transition: 0.3s;
}

.t-dots button.is-active {
  background: var(--gold);
  transform: scale(1.25);
}

.review-card {
  background: var(--paper);
  color: var(--ink);
  padding: 36px 32px;
  text-align: center;
  border-radius: 6px;
  position: relative;
  box-shadow: 0 20px 50px rgba(0,0,0,0.18);
}

.review-card::after {
  content: "";
  position: absolute;
  left: 28px;
  bottom: -16px;
  border-width: 16px 18px 0 0;
  border-style: solid;
  border-color: var(--paper) transparent transparent transparent;
}

.review-card h3 {
  color: var(--forest);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 15px;
  margin-bottom: 12px;
}

.review-card p {
  font-size: 15px;
  margin-bottom: 22px;
  color: #2a3344;
}

/* ---------- contact ---------- */
.contact {
  position: relative;
  padding: 90px 0;
  overflow: hidden;
}

.contact-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(251, 248, 241, 0.88), rgba(251, 248, 241, 0.72) 48%, rgba(251, 248, 241, 0.55)),
    url("../assets/contact-advisor.jpg")
    center / cover no-repeat;
}

.contact-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.contact-copy h2 {
  font-family: var(--display);
  font-size: clamp(34px, 4vw, 52px);
  color: var(--forest);
  line-height: 1.05;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.contact-lead {
  color: var(--gold-deep);
  font-size: 18px;
  margin: 14px 0 22px;
  font-weight: 500;
}

.call-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: linear-gradient(90deg, var(--forest-deep), var(--forest));
  color: var(--white);
  padding: 16px 22px;
  font-weight: 700;
  letter-spacing: 0.04em;
  box-shadow: 0 14px 30px rgba(0, 12, 40, 0.25);
  transition: transform 0.35s var(--ease), box-shadow 0.35s;
}

.call-bar:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 36px rgba(0, 12, 40, 0.32);
}

.contact-meta {
  list-style: none;
  display: flex;
  gap: 28px;
  margin-top: 22px;
  font-size: 14px;
  color: var(--muted);
}

.contact-meta strong {
  display: block;
  color: var(--forest);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-size: 11px;
  margin-bottom: 4px;
}

.lead-form {
  display: grid;
  gap: 14px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.lead-form label {
  display: grid;
  gap: 6px;
  font-size: 13px;
  color: var(--forest);
  font-weight: 500;
}

.lead-form input,
.lead-form textarea {
  width: 100%;
  border: 1px solid #d4d0c6;
  background: rgba(255,255,255,0.92);
  padding: 12px 14px;
  border-radius: 4px;
  outline: none;
  transition: border-color 0.25s, box-shadow 0.25s;
}

.lead-form input:focus,
.lead-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(198, 163, 90, 0.18);
}

.form-submit { justify-self: end; min-width: 150px; }

.form-ok {
  justify-self: end;
  color: var(--forest);
  font-weight: 600;
}

.hp {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ---------- payment ---------- */
.payment {
  background: var(--cream);
  padding: 72px 0;
  text-align: center;
}

.payment-inner { max-width: 640px; }
.payment h2 {
  font-family: var(--display);
  font-size: 40px;
  margin: 8px 0 12px;
}
.payment p { margin-bottom: 22px; color: #2a3344; }

/* ---------- footer ---------- */
.site-footer {
  background: radial-gradient(1200px 400px at 10% -20%, rgba(198, 163, 90, 0.16), transparent 50%),
              linear-gradient(180deg, var(--forest-deep), #00060f);
  color: var(--cream);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.8fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}

.socials {
  display: flex;
  gap: 12px;
  margin: 22px 0 24px;
}

.socials a {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50%;
  display: grid;
  place-items: center;
  transition: 0.3s;
}

.socials a:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--forest-deep);
  transform: translateY(-3px);
}

.socials svg { width: 16px; height: 16px; fill: currentColor; }

.footer-search {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.08);
  border-radius: 999px;
  padding: 4px 6px 4px 16px;
  max-width: 280px;
  border: 1px solid rgba(255,255,255,0.12);
}

.footer-search input {
  flex: 1;
  background: transparent;
  border: 0;
  color: var(--white);
  outline: none;
  padding: 8px 0;
}

.footer-search input::placeholder { color: rgba(255,255,255,0.65); }

.footer-search button {
  width: 36px;
  height: 36px;
  color: var(--white);
}

.footer-search svg { width: 18px; height: 18px; fill: currentColor; }

.footer-col h4 {
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-size: 13px;
  margin-bottom: 16px;
  color: var(--gold-bright);
}

.footer-col a,
.footer-col p {
  display: block;
  margin-bottom: 8px;
  color: rgba(246, 241, 230, 0.86);
  font-size: 15px;
}

.footer-col a:hover { color: var(--gold-bright); }

.trusted {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
}

.eagle {
  width: 72px;
  fill: var(--cream);
  opacity: 0.9;
}

.trusted span {
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 18px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  padding: 16px;
  font-size: 13px;
  color: rgba(246, 241, 230, 0.6);
}

/* ---------- motion helpers ---------- */
.reveal {
  opacity: 0;
  transform: translateY(20px);
}

/* ---------- responsive ---------- */
@media (max-width: 980px) {
  .header-row {
    grid-template-columns: auto 1fr auto;
  }
  .btn-quote { font-size: 11px; padding: 12px 16px; }
  .logo-name { font-size: 28px; }
  .header-phone { font-size: 20px; }
  .cards-wrap,
  .serve-grid,
  .stats-row,
  .testimonial-grid,
  .contact-grid,
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .testimonial-grid,
  .contact-grid { gap: 28px; }
}

@media (max-width: 760px) {
  .nav-toggle { display: block; }
  .header-row {
    grid-template-columns: 1fr auto;
  }
  .btn-quote { display: none; }
  .header-contact { display: none; }
  .logo { justify-self: start; }
  .main-nav {
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 24px 20px;
  }
  .main-nav.is-open { display: flex; }
  .nav-item { width: 100%; }
  .dropdown,
  .dropdown-wide {
    position: static;
    transform: none;
    min-width: 0;
    display: none;
    grid-template-columns: 1fr;
    box-shadow: none;
    border: 0;
    background: rgba(0, 21, 61, 0.04);
    padding: 4px 0 8px 12px;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
  }
  .nav-item.is-open > .dropdown,
  .nav-item.is-open > .dropdown-wide {
    display: grid;
  }
  .hero { height: 100svh; min-height: 420px; margin-top: -110px; }
  .products { margin-top: 0; padding-top: 36px; }
  .cards-wrap,
  .serve-grid,
  .stats-row,
  .testimonial-grid,
  .contact-grid,
  .form-row,
  .footer-grid,
  .contact-meta {
    grid-template-columns: 1fr;
  }
  .quote-mark { font-size: 180px; }
  .header-row { width: min(1180px, calc(100% - 28px)); }
  .container { width: min(1180px, calc(100% - 28px)); }
}

/* ---------- inner pages ---------- */
body.inner-page {
  background: var(--ivory);
}

body.inner-page .site-header,
body.inner-page .site-header.is-scrolled {
  background: #fffdf8;
}

.page-shell {
  padding: 28px 0 72px;
}

.crumbs {
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 18px;
}

.crumbs a {
  color: var(--gold-deep);
  font-weight: 600;
}

.page-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.7fr) minmax(260px, 0.82fr);
  gap: 42px;
  align-items: start;
}

.page-article h1 {
  font-family: var(--display);
  font-size: clamp(32px, 4vw, 46px);
  line-height: 1.15;
  margin-bottom: 18px;
  color: var(--ink);
}

.page-article h2 {
  font-family: var(--display);
  font-size: clamp(26px, 3vw, 34px);
  margin: 40px 0 14px;
  color: var(--ink);
}

.page-article h3 {
  font-size: 16px;
  color: var(--forest);
  margin: 22px 0 10px;
}

.page-article p {
  margin-bottom: 16px;
  color: #1a2233;
  font-size: 16.5px;
}

.glance {
  background: #eef2f8;
  border-left: 5px solid var(--forest);
  padding: 22px 24px;
  margin: 22px 0 28px;
}

.glance h3 {
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 13px;
  color: var(--forest);
  margin: 0 0 12px;
}

.glance p {
  margin-bottom: 10px;
  font-size: 15px;
}

.glance p:last-child { margin-bottom: 0; }

.cover-list,
.check-list {
  margin: 8px 0 20px 18px;
}

.cover-list li,
.check-list li {
  margin-bottom: 12px;
  color: #1a2233;
}

.cover-list strong,
.check-list strong {
  color: var(--gold-deep);
}

.not-list {
  margin: 8px 0 20px 18px;
}

.not-list li {
  margin-bottom: 10px;
  color: #1a2233;
}

.why-panel {
  background: var(--forest);
  color: var(--cream);
  border-radius: 12px;
  padding: 28px 30px;
  margin: 32px 0 24px;
  box-shadow: var(--shadow);
}

.page-article .why-panel h2 {
  color: var(--gold);
  margin: 0 0 16px;
}

.why-panel ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.why-panel li {
  position: relative;
  padding: 0 0 12px 26px;
  color: var(--cream);
  font-size: 15.5px;
}

.why-panel li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.why-panel li:last-child { padding-bottom: 0; }

.cta-note {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 5px solid var(--gold);
  padding: 16px 20px;
  margin: 8px 0 0;
  font-weight: 600;
  color: var(--forest);
}

.table-label {
  color: var(--forest);
  font-weight: 700;
  margin: 8px 0 10px;
}

.table-wrap {
  overflow-x: auto;
  margin: 0 0 24px;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 24px;
  font-size: 15px;
}

.data-table th {
  background: var(--forest);
  color: var(--white);
  text-align: left;
  padding: 12px 14px;
  font-weight: 600;
}

.data-table td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
}

.data-table tbody tr:nth-child(odd) {
  background: #f3f6fb;
}

.data-table td:first-child {
  color: var(--gold-deep);
  font-weight: 600;
}

.quote-card {
  background: var(--white);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 26px 22px 22px;
  position: sticky;
  top: 118px;
}

.quote-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}

.quote-head::before,
.quote-head::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line);
}

.quote-head h3 {
  margin: 0;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 12px;
  color: var(--muted);
  white-space: nowrap;
}

.quote-card label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 12px;
}

.quote-card .req { color: var(--gold-deep); }

.quote-card input {
  width: 100%;
  margin-top: 6px;
  background: #eef1f5;
  border: 0;
  border-radius: 8px;
  padding: 12px 14px;
  outline: none;
}

.quote-card input:focus {
  box-shadow: 0 0 0 3px rgba(0, 21, 61, 0.12);
}

.quote-card .btn {
  width: 100%;
  margin-top: 4px;
}

.quote-card .form-ok {
  justify-self: auto;
  text-align: center;
  margin-top: 12px;
}

.follow-block {
  margin-top: 22px;
  text-align: center;
}

.follow-block p {
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 10px;
}

.follow-block .socials {
  justify-content: center;
}

.follow-block .socials a {
  color: var(--gold-deep);
  border-color: rgba(198, 163, 90, 0.4);
}

.faq-list { margin-top: 8px; }

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-item button {
  width: 100%;
  text-align: left;
  padding: 16px 28px 16px 0;
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
  position: relative;
}

.faq-item button::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 16px;
  color: var(--forest);
  font-weight: 500;
}

.faq-item.is-open button::after { content: "–"; }

.faq-item .faq-a {
  display: none;
  padding: 0 0 16px;
}

.faq-item.is-open .faq-a { display: block; }

.page-stack { max-width: 920px; }
.page-stack-wide { max-width: 1100px; }

.claim-form {
  position: relative;
  background: var(--white);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 28px 26px 32px;
  margin-top: 18px;
}

.claim-form .form-ok {
  margin-top: 14px;
}

.claim-form .form-ok[hidden],
.claim-form .form-send-error[hidden] {
  display: none !important;
}

.claim-banner {
  text-align: center;
  border-bottom: 2px solid var(--forest);
  padding-bottom: 14px;
  margin-bottom: 18px;
}

.claim-banner h2 {
  font-family: var(--display);
  font-size: clamp(26px, 3vw, 34px);
  margin: 0 0 8px;
  color: var(--ink);
}

.claim-banner p {
  margin: 0;
  font-weight: 600;
  color: var(--forest);
}

.claim-hint {
  margin: 0 0 16px;
  font-size: 15px;
}

.claim-req { color: #b42318; font-weight: 700; }
.claim-opt { color: var(--forest); font-weight: 700; }

.claim-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 12px;
  margin-bottom: 12px;
}

.claim-row > label,
.claim-row > span.claim-note {
  white-space: nowrap;
  font-size: 14px;
  font-weight: 600;
}

.claim-row input[type="text"],
.claim-row input[type="date"],
.claim-row input[type="tel"],
.claim-row input[type="email"],
.claim-row select,
.claim-row textarea {
  flex: 1 1 140px;
  min-width: 120px;
  background: #eef2f8;
  border: 0;
  border-bottom: 1px solid var(--forest);
  border-radius: 4px 4px 0 0;
  padding: 9px 10px;
  outline: none;
  font-family: inherit;
}

.claim-row textarea {
  flex: 1 1 100%;
  min-height: 110px;
  resize: vertical;
}

.claim-grow { flex: 1 1 220px; }
.claim-checks {
  display: flex;
  align-items: center;
  gap: 14px;
  font-weight: 600;
}

.claim-checks label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  white-space: nowrap;
}

.claim-section {
  display: inline-block;
  font-size: 18px;
  font-weight: 700;
  color: var(--forest);
  padding: 8px 12px;
  border: 1px solid var(--forest);
  border-radius: 4px;
  margin: 18px 0 12px;
}

.claim-happened {
  color: #b42318;
  font-size: 22px;
  margin: 8px 0 0;
}

.claim-happened span {
  font-size: 14px;
  color: var(--ink);
  font-weight: 400;
}

.claim-notes {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 16px 0;
  margin: 18px 0;
  font-size: 14px;
}

.claim-notes h3 {
  display: inline-block;
  font-size: 18px;
  padding: 8px 12px;
  border: 1px solid var(--forest);
  border-radius: 4px;
  color: var(--forest);
  margin: 0 0 12px;
}

.claim-notes ol { margin: 0 0 0 18px; }
.claim-notes li { margin-bottom: 8px; }

.claim-certify { font-weight: 600; margin: 16px 0 10px; }

.sig-wrap { max-width: 420px; }
.sig-wrap canvas {
  display: block;
  width: 100%;
  height: 160px;
  border: 1px solid var(--line);
  background: #eef2f8;
  touch-action: none;
  cursor: crosshair;
  border-radius: 4px;
}

.sig-actions {
  display: flex;
  gap: 10px;
  margin-top: 8px;
}

.sig-error,
.photo-error,
.form-send-error {
  color: #b42318;
  font-size: 13px;
  font-weight: 600;
  margin: 6px 0 0;
}

.claim-form .btn[disabled] {
  opacity: 0.65;
  cursor: wait;
}

.photo-block {
  margin: 22px 0 18px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}

.photo-block h3 {
  margin: 0 0 6px;
  color: var(--forest);
  font-size: 18px;
}

.photo-drop {
  display: block;
  position: relative;
  border: 1px dashed var(--forest);
  background: #eef2f8;
  padding: 22px 16px;
  text-align: center;
  cursor: pointer;
  border-radius: 8px;
  margin-top: 10px;
}

.photo-drop input {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}

.photo-drop strong { display: block; color: var(--forest); }
.photo-drop span { font-size: 13px; color: var(--muted); }
.photo-count { margin: 10px 0 0; font-weight: 600; color: var(--forest); }

.photo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(88px, 1fr));
  gap: 10px;
  margin-top: 12px;
}

.photo-thumb {
  position: relative;
  aspect-ratio: 1;
  border: 1px solid var(--line);
  border-radius: 6px;
  overflow: hidden;
  background: #dfe5ee;
}

.photo-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.photo-thumb button {
  position: absolute;
  top: 4px;
  right: 4px;
  width: 22px;
  height: 22px;
  border: 0;
  border-radius: 50%;
  background: var(--forest);
  color: #fff;
  cursor: pointer;
  line-height: 1;
  font-size: 14px;
}

@media (max-width: 760px) {
  .claim-row > label,
  .claim-row > span.claim-note { white-space: normal; }
}

.coi-form,
.stack-form {
  background: var(--white);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 28px 26px;
  margin-top: 18px;
}

.coi-form label,
.stack-form label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 14px;
}

.coi-form .req,
.stack-form .req { color: var(--gold-deep); }

.coi-form input,
.coi-form select,
.coi-form textarea,
.stack-form input,
.stack-form select,
.stack-form textarea {
  width: 100%;
  margin-top: 6px;
  background: #eef1f5;
  border: 0;
  border-radius: 8px;
  padding: 12px 14px;
  outline: none;
}

.coi-form .row-2,
.stack-form .row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.coi-form input[type="checkbox"],
.coi-form input[type="radio"],
.stack-form input[type="checkbox"],
.stack-form input[type="radio"] {
  width: auto;
  margin: 0;
  padding: 0;
  background: none;
  border-radius: 0;
  box-shadow: none;
}

.quote-sub {
  color: var(--forest);
  font-weight: 600;
  letter-spacing: 0.02em;
}

.quote-intake {
  overflow: hidden;
  padding: 0;
}

.quote-intake .q-block + .q-block {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.page-article .quote-intake h2.q-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 0;
  padding: 12px 22px;
  background: var(--forest);
  color: var(--white);
  font-family: var(--font);
  font-size: 15px;
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: 0.01em;
}

.quote-intake .q-num {
  display: grid;
  place-items: center;
  flex: 0 0 28px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--forest-deep);
  font-size: 13px;
  font-weight: 800;
}

.quote-intake .q-body {
  padding: 18px 26px 6px;
}

.quote-intake .q-actions {
  padding: 10px 26px 26px;
}

.quote-intake .row-3 {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 14px;
}

.quote-intake .q-choices,
.quote-intake .q-note {
  border: 0;
  margin: 0 0 14px;
  padding: 0;
  min-width: 0;
}

.quote-intake .q-choices legend {
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 8px;
  padding: 0;
  color: var(--ink);
}

.quote-intake .q-opts {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.quote-intake .q-opts.q-opts-checks label.q-opt {
  border-radius: 8px;
}

.quote-intake .q-repeat-list {
  display: grid;
  gap: 12px;
  margin-bottom: 10px;
}

.quote-intake .q-repeat-row {
  display: flex;
  align-items: flex-end;
  gap: 10px;
}

.quote-intake .q-repeat-row > label {
  flex: 1;
  min-width: 0;
  margin-bottom: 0;
}

.quote-intake .q-repeat-driver {
  flex-wrap: wrap;
}

.quote-intake .q-repeat-driver > label {
  flex: 1 1 220px;
}

.quote-intake .q-add-field {
  margin: 0 0 16px;
  min-width: 140px;
  padding: 10px 16px;
  background: #eef1f5;
  color: var(--forest);
  border: 1px solid rgba(15, 40, 28, 0.14);
}

.quote-intake .q-add-field:hover {
  background: rgba(198, 163, 90, 0.18);
  border-color: var(--gold);
}

.quote-intake .q-repeat-remove {
  flex: 0 0 auto;
  margin-bottom: 14px;
  padding: 8px 12px;
  border: 1px solid rgba(15, 40, 28, 0.18);
  background: #fff;
  color: #8a1f1f;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
}

.quote-intake .q-repeat-remove:hover {
  background: #fdecec;
}

.quote-intake label.q-opt {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0;
  padding: 8px 12px;
  background: #eef1f5;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  white-space: nowrap;
}

.quote-intake label.q-opt:has(input:checked) {
  background: rgba(198, 163, 90, 0.18);
  border-color: var(--gold);
  color: var(--forest);
}

.quote-intake label.q-opt input[type="text"],
.quote-intake label.q-opt input[type="number"] {
  width: 92px;
  margin: 0;
  padding: 6px 8px;
  background: var(--white);
  border-radius: 6px;
}

.quote-intake .q-hint {
  display: block;
  margin: -6px 0 14px;
  font-size: 12px;
  color: var(--muted);
}

.quote-intake .q-actions .btn {
  min-width: 180px;
}

.quote-intake .q-actions .form-ok {
  display: block;
  margin-top: 14px;
  justify-self: auto;
}

.quote-intake .q-actions .form-send-error {
  display: block;
  margin-top: 10px;
  justify-self: auto;
}

.quote-intake .btn[disabled] {
  opacity: 0.65;
  cursor: wait;
}

.portal-main .claim-form {
  margin-top: 10px;
}
.quote-fields td:first-child {
  width: 34%;
  font-weight: 700;
  color: var(--forest);
  vertical-align: top;
}

.quote-foot-note {
  margin-top: 16px;
  font-size: 13px;
  color: var(--muted);
}

.carrier-grid,
.link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 16px;
  margin-top: 22px;
}

.pay-list {
  list-style: none;
  margin: 24px 0 8px;
  padding: 0;
  background: var(--white);
  border: 1px solid var(--line);
}

.pay-list li {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 6px 10px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--line);
}

.pay-list li:last-child {
  border-bottom: 0;
}

.pay-list .pay-name {
  font-weight: 600;
  color: var(--forest);
}

.pay-list a {
  color: var(--gold-deep);
  font-weight: 600;
}

.pay-list a:hover {
  color: var(--gold);
}

.pay-note {
  color: var(--muted);
  font-size: 14px;
}

.pay-cta {
  margin-top: 8px;
}

.carrier-card,
.link-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 22px 20px;
  min-height: 128px;
  display: flex;
  flex-direction: column;
}

.carrier-card h3,
.link-card h3 {
  margin: 0 0 12px;
  font-size: 18px;
  color: var(--forest);
}

.card-actions {
  margin-top: auto;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.card-actions a {
  color: var(--gold-deep);
  font-weight: 600;
  font-size: 13px;
}

.policy-prose p { margin-bottom: 14px; }
.policy-prose h2 { font-size: 22px; margin-top: 28px; }
.policy-prose h3 { font-size: 16px; color: var(--forest); }
.policy-prose ol, .policy-prose ul { margin: 8px 0 16px 22px; }
.policy-prose li { margin-bottom: 8px; }
.policy-prose .note {
  background: #eef2f8;
  border-left: 4px solid var(--forest);
  padding: 14px 16px;
  margin: 16px 0;
}

.claim-legend {
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--forest);
  border-bottom: 2px solid var(--forest);
  padding-bottom: 6px;
  margin: 26px 0 14px;
}

.claim-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px 16px;
  margin-bottom: 12px;
}

.claim-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px 16px;
  margin-bottom: 12px;
}

.claim-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px 14px;
  margin-bottom: 12px;
}

.claim-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  min-width: 0;
}

.claim-field.span-2 { grid-column: span 2; }
.claim-field.span-3 { grid-column: span 3; }
.claim-field.span-4 { grid-column: span 4; }

.claim-field > span,
.claim-field > label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--forest);
  text-transform: none;
  white-space: normal;
}

.claim-field input,
.claim-field select,
.claim-field textarea {
  width: 100%;
  background: #eef2f8;
  border: 0;
  border-bottom: 1px solid var(--forest);
  border-radius: 4px 4px 0 0;
  padding: 9px 10px;
  outline: none;
  font-family: inherit;
}

.claim-field textarea { min-height: 90px; resize: vertical; }

@media (max-width: 980px) {
  .claim-grid,
  .claim-grid-3,
  .claim-grid-4 {
    grid-template-columns: 1fr;
  }
  .claim-field.span-2,
  .claim-field.span-3,
  .claim-field.span-4 { grid-column: auto; }
}
.contact-intro { max-width: 720px; margin-bottom: 28px; }
.contact-panels {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin: 22px 0 36px;
}
.contact-panel {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 22px 22px 18px;
}
.contact-panel h2 { margin-top: 0; font-size: 22px; }
.contact-panel p, .contact-panel a { display: block; margin-bottom: 8px; }
.hours-list { list-style: none; margin: 0; padding: 0; }
.hours-list li { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 8px; }
.contact-actions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 28px 0;
}
.contact-action {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 22px 20px;
  min-height: 160px;
  display: flex;
  flex-direction: column;
}
.contact-action h3 { margin: 0 0 10px; font-size: 20px; color: var(--forest); }
.contact-action p { flex: 1; margin-bottom: 14px; }
.hub-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 16px;
  margin-top: 22px;
}

.chatbot-fab {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 1900;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold) 40%, var(--gold-deep));
  color: var(--forest-deep);
  box-shadow: 0 12px 28px rgba(0, 12, 40, 0.28);
  display: grid;
  place-items: center;
}
.chatbot-fab svg { width: 28px; height: 28px; fill: currentColor; }
.chatbot-fab:hover { transform: translateY(-2px); }
.chatbot-panel {
  position: fixed;
  right: 22px;
  bottom: 92px;
  z-index: 1901;
  width: min(380px, calc(100vw - 28px));
  height: min(540px, calc(100svh - 120px));
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 24px 60px rgba(0, 12, 40, 0.28);
  display: none;
  flex-direction: column;
  overflow: hidden;
}
.chatbot-panel.is-open { display: flex; }
.chatbot-head {
  background: var(--forest);
  color: var(--cream);
  padding: 14px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.chatbot-head strong { display: block; font-size: 15px; }
.chatbot-head span { font-size: 12px; color: var(--gold-bright); }
.chatbot-close {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: var(--cream);
  font-size: 22px;
  line-height: 1;
}
.chatbot-log {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  background: #eef2f8;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.chat-bubble {
  max-width: 82%;
  padding: 10px 12px;
  border-radius: 14px;
  font-size: 14px;
  line-height: 1.45;
  white-space: pre-wrap;
}
.chat-bubble.bot {
  background: var(--white);
  color: var(--ink);
  border-bottom-left-radius: 4px;
  align-self: flex-start;
}
.chat-bubble.user {
  background: var(--forest);
  color: var(--cream);
  border-bottom-right-radius: 4px;
  align-self: flex-end;
}
.chat-bubble a { color: var(--gold-deep); font-weight: 600; text-decoration: underline; }
.chat-bubble.user a { color: var(--gold-bright); }
.chat-suggest {
  background: #eef2f8;
  border-top: 1px solid var(--line);
  padding: 8px 0 10px;
  flex-shrink: 0;
}
.chat-suggest-label {
  margin: 0;
  padding: 0 16px 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--forest);
}
.chat-chips {
  display: flex;
  flex-wrap: nowrap;
  gap: 8px;
  padding: 0 16px 4px;
  overflow-x: auto;
  overflow-y: hidden;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
  scroll-snap-type: x proximity;
}
.chat-chips button {
  flex: 0 0 auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 12px;
  font-size: 12px;
  font-weight: 600;
  color: var(--forest);
  white-space: nowrap;
  scroll-snap-align: start;
}
.chat-chips button:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
}
.chatbot-form {
  display: flex;
  gap: 8px;
  padding: 12px;
  border-top: 1px solid var(--line);
  background: var(--white);
}
.chatbot-form input {
  flex: 1;
  background: #eef2f8;
  border: 0;
  border-radius: 999px;
  padding: 10px 14px;
  outline: none;
}
.chatbot-form button {
  background: var(--gold);
  color: var(--forest-deep);
  border-radius: 999px;
  padding: 10px 14px;
  font-weight: 700;
}

@media (max-width: 980px) {
  .contact-panels,
  .contact-actions { grid-template-columns: 1fr; }
  .page-layout {
    grid-template-columns: 1fr;
  }
  .quote-card { position: static; }
  .data-table { display: block; overflow-x: auto; }
  .coi-form .row-2,
  .stack-form .row-2,
  .quote-intake .row-3,
  .quote-intake .q-repeat-row,
  .quote-intake .q-repeat-driver { grid-template-columns: 1fr; flex-direction: column; align-items: stretch; }
}

.header-left {
  justify-self: start;
  display: flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
}
.header-left .btn-quote { justify-self: start; }
.header-right {
  justify-self: end;
  display: flex;
  align-items: center;
  gap: 16px;
}
.btn-auth-grad {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  padding: 11px 18px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--forest-deep);
  background: linear-gradient(180deg, var(--gold-bright), var(--gold) 42%, var(--gold-deep));
  box-shadow: 0 10px 22px rgba(154, 120, 51, 0.3);
}
.btn-auth-grad[hidden],
.user-menu[hidden],
body.is-logged-in .btn-auth-grad {
  display: none !important;
}
.main-nav a[href="claims.html"],
.site-footer a[href="claims.html"] {
  display: none !important;
}
body.is-logged-in .main-nav > a.nav-link[href="claims.html"] {
  display: inline-flex !important;
}
body.is-logged-in .main-nav .dropdown a[href="claims.html"],
body.is-logged-in .site-footer a[href="claims.html"] {
  display: block !important;
}
body.claims-gated:not(.is-logged-in) main {
  visibility: hidden;
}
.btn-auth-grad:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 28px rgba(154, 120, 51, 0.4);
}
.user-menu { position: relative; }
.user-menu-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--forest);
  color: var(--cream);
  border-radius: 999px;
  padding: 7px 12px 7px 7px;
  max-width: 220px;
}
.user-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 13px;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  color: var(--forest-deep);
}
.user-name {
  font-size: 13px;
  font-weight: 700;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.user-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 200px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 8px;
  z-index: 80;
}
.user-dropdown a,
.user-dropdown button {
  display: block;
  width: 100%;
  text-align: left;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--forest);
  background: transparent;
}
.user-dropdown a:hover,
.user-dropdown button:hover { background: var(--cream); }
.user-dropdown .logout-item { color: #8a1f11; }

.auth-card {
  max-width: 560px;
  margin: 12px auto 40px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 32px 28px;
}
.auth-card h1 { text-align: center; margin-bottom: 8px; }
.auth-card .auth-lead {
  text-align: center;
  color: var(--muted);
  margin-bottom: 22px;
}
.auth-switch { text-align: center; margin-top: 18px; font-size: 14px; }
.auth-error { color: #b42318; font-weight: 600; font-size: 13px; margin: 8px 0 0; }

.portal-page { background: var(--cream); }
.portal-page .chatbot-root { display: none; }
.portal-layout {
  display: grid;
  grid-template-columns: 268px 1fr;
  min-height: calc(100svh - 120px);
}
.portal-side {
  background: linear-gradient(180deg, var(--forest-deep), var(--forest) 40%, var(--forest-mid));
  color: var(--cream);
  padding: 22px 14px 40px;
}
.portal-side h2 {
  font-family: var(--display);
  font-size: 22px;
  color: var(--gold-bright);
  margin: 0 12px 18px;
}
.portal-nav button {
  display: block;
  width: 100%;
  text-align: left;
  background: transparent;
  color: var(--cream);
  border-radius: 10px;
  padding: 11px 12px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 4px;
}
.portal-nav button:hover,
.portal-nav button.is-active {
  background: rgba(198, 163, 90, 0.18);
  color: var(--gold-bright);
}
.portal-main { padding: 28px 32px 60px; }
.portal-panel { display: none; }
.portal-panel.is-on { display: block; }
.portal-panel h1 {
  font-size: 34px;
  margin-bottom: 6px;
}
.portal-kicker {
  color: var(--gold-deep);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 12px;
  margin-bottom: 18px;
}
.dash-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 18px 0 22px;
}
.dash-stat,
.dash-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px;
  box-shadow: var(--shadow);
}
.dash-stat span {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.dash-stat strong {
  display: block;
  margin-top: 8px;
  font-size: 28px;
  color: var(--forest);
  font-family: var(--display);
}
.dash-card h3 {
  font-size: 16px;
  margin-bottom: 10px;
  color: var(--forest);
}
.dash-card ul { margin: 0; padding-left: 18px; }
.dash-card li { margin: 6px 0; font-size: 14px; }
.portal-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  font-size: 14px;
}
.portal-table th {
  background: var(--forest);
  color: var(--gold-bright);
  text-align: left;
  padding: 12px 14px;
  font-size: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.portal-table td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
}
.portal-table tr:last-child td { border-bottom: 0; }
.tag {
  display: inline-block;
  border-radius: 999px;
  padding: 3px 10px;
  font-size: 11px;
  font-weight: 700;
  background: var(--cream);
  color: var(--forest);
}
.tag-ok { background: #e6f4ea; color: #0f5132; }
.tag-warn { background: #fff4d6; color: #7a5a00; }
.tag-bad { background: #fde8e8; color: #8a1f11; }
.dash-card.span-2 { grid-column: span 2; }
body.is-logged-in .header-left .btn-quote { display: none; }
.claim-email-id {
  display: block;
  margin: 0 0 18px;
  padding: 14px 16px;
  background: var(--cream);
  border: 1px solid var(--gold);
  border-radius: 12px;
}
.admin-page .chatbot-root,
.admin-page .btn-auth-grad,
.admin-page .user-menu { display: none !important; }
.admin-toolbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}
.admin-layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 18px;
  min-height: 70vh;
}
.admin-list {
  background: var(--forest);
  color: var(--cream);
  border-radius: 14px;
  padding: 16px 10px 24px;
}
.admin-list h2 {
  font-size: 18px;
  color: var(--gold-bright);
  margin: 0 8px 12px;
}
.admin-list button {
  display: block;
  width: 100%;
  text-align: left;
  background: transparent;
  color: var(--cream);
  border-radius: 10px;
  padding: 10px 12px;
  margin-bottom: 4px;
}
.admin-list button.is-active,
.admin-list button:hover {
  background: rgba(198, 163, 90, 0.2);
  color: var(--gold-bright);
}
.admin-list small {
  display: block;
  opacity: 0.75;
  font-size: 11px;
  font-weight: 500;
}
.admin-detail {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px;
  box-shadow: var(--shadow);
}
.admin-files {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 10px;
}
.admin-files a {
  background: var(--cream);
  border: 1px solid var(--gold);
  color: var(--forest);
  border-radius: 999px;
  padding: 8px 12px;
  font-size: 13px;
  font-weight: 700;
}
.admin-claim {
  border-top: 1px solid var(--line);
  padding-top: 16px;
  margin-top: 16px;
}
.admin-toolbar-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.admin-members {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 20px 22px;
  margin-bottom: 18px;
  box-shadow: var(--shadow);
}
.admin-members h2 {
  margin: 0 0 12px;
  color: var(--forest);
}
.admin-member-group {
  margin-top: 18px;
}
.admin-member-group h3 {
  margin: 0 0 10px;
  font-size: 18px;
  color: var(--forest);
}
.admin-member-group h3 small {
  font-size: 12px;
  font-weight: 600;
  color: var(--gold-deep);
  margin-left: 8px;
}
.btn-remove {
  background: transparent;
  border: 1px solid #8a1f11;
  color: #8a1f11;
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
}
.btn-remove:hover {
  background: #fde8e8;
}
.admin-modal {
  position: fixed;
  inset: 0;
  background: rgba(11, 31, 41, 0.58);
  display: grid;
  place-items: center;
  align-content: safe center;
  z-index: 80;
  padding: 20px;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.admin-modal[hidden] {
  display: none;
}
.admin-modal-card {
  background: var(--white);
  border-radius: 16px;
  padding: 24px;
  width: min(440px, 100%);
  max-height: min(90vh, 900px);
  overflow-y: auto;
  overscroll-behavior: contain;
  box-shadow: var(--shadow);
  margin: auto;
}
.admin-modal-wide {
  width: min(520px, 100%);
}
.admin-modal-card h2 {
  margin: 0 0 8px;
  color: var(--forest);
}
.admin-modal-card p {
  margin: 0 0 16px;
  color: var(--muted);
}
.admin-dialog-actions {
  display: flex;
  gap: 10px;
  justify-content: flex-end;
  margin-top: 8px;
}
@media (max-width: 900px) {
  .admin-layout { grid-template-columns: 1fr; }
}

/* ---------- Admin app (17-module panel) ---------- */
.admin-app {
  margin: 0;
  min-height: 100vh;
  background: #eef1f6;
  display: grid;
  grid-template-columns: 260px 1fr;
}
.admin-app .site-header { display: none; }
.admin-sidebar {
  background: linear-gradient(180deg, #0f2840 0%, #0a1e32 100%);
  color: #f4f7fb;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  position: sticky;
  top: 0;
  z-index: 40;
}
.admin-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 22px 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.admin-brand strong { display: block; font-size: 13px; letter-spacing: 0.06em; }
.admin-brand small { color: rgba(255,255,255,0.65); font-size: 11px; }
.admin-brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--gold);
  color: var(--forest-deep);
  font-weight: 800;
}
.admin-nav {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 12px 10px;
  overflow-y: auto;
  flex: 1;
}
.admin-nav button {
  text-align: left;
  background: transparent;
  color: rgba(255,255,255,0.82);
  border-radius: 10px;
  padding: 10px 12px;
  font-size: 13px;
  font-weight: 500;
}
.admin-nav button:hover,
.admin-nav button.is-active {
  background: rgba(198,163,90,0.18);
  color: #fff;
}
.admin-sidebar-foot {
  padding: 14px 16px 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.admin-user-label { display: block; font-size: 12px; color: rgba(255,255,255,0.6); margin-bottom: 8px; }
.admin-logout {
  width: 100%;
  background: rgba(255,255,255,0.08);
  color: #fff;
  border-radius: 8px;
  padding: 8px 10px;
  font-size: 12px;
}
.admin-shell { min-width: 0; display: flex; flex-direction: column; }
.admin-topbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 16px 22px;
  background: #fff;
  border-bottom: 1px solid #dde3ec;
  position: sticky;
  top: 0;
  z-index: 30;
}
.admin-topbar-left { display: flex; align-items: center; gap: 12px; min-width: 0; }
.admin-topbar-left h1 { margin: 0; font-size: 24px; color: var(--forest); }
.admin-topbar-right { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; justify-content: flex-end; }
.admin-menu-toggle {
  display: none;
  background: #eef1f6;
  border-radius: 8px;
  padding: 8px 10px;
}
.admin-search input {
  min-width: 220px;
  max-width: 320px;
  background: #eef1f6;
  border: 0;
  border-radius: 999px;
  padding: 10px 14px;
}
.admin-notify-wrap { position: relative; }
.admin-notify-btn {
  position: relative;
  background: #eef1f6;
  border-radius: 999px;
  width: 40px; height: 40px;
  font-size: 18px;
}
.admin-notify-badge {
  position: absolute;
  top: -2px; right: -2px;
  min-width: 18px; height: 18px;
  border-radius: 999px;
  background: #c62828;
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  display: grid;
  place-items: center;
  padding: 0 4px;
}
.admin-notify-panel {
  position: absolute;
  right: 0;
  top: calc(100% + 8px);
  width: min(360px, 92vw);
  max-height: 420px;
  overflow: auto;
  background: #fff;
  border: 1px solid #dde3ec;
  border-radius: 12px;
  box-shadow: 0 16px 40px rgba(15,40,64,0.12);
  padding: 10px;
  z-index: 50;
}
.admin-notify-item {
  padding: 10px;
  border-bottom: 1px solid #eef1f6;
}
.admin-notify-item:last-child { border-bottom: 0; }
.admin-notify-item p { margin: 4px 0; font-size: 13px; color: var(--muted); }
.admin-content { padding: 20px 22px 40px; }
.admin-stat-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin-bottom: 18px;
}
.admin-stat-grid.mini { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 520px; }
.admin-stat-card {
  background: #fff;
  border-radius: 14px;
  padding: 16px 18px;
  box-shadow: 0 8px 24px rgba(15,40,64,0.05);
}
.admin-stat-card span { display: block; font-size: 12px; color: var(--muted); margin-bottom: 6px; }
.admin-stat-card strong { font-size: 28px; color: var(--forest); }
.admin-stat-card small { display: block; margin-top: 4px; font-size: 11px; color: #2e7d32; }
.admin-stat-card.warn strong { color: #b26a00; }
.admin-stat-card.alert strong { color: #b42318; }
.admin-dash-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.admin-panel-card {
  background: #fff;
  border-radius: 14px;
  padding: 18px 20px;
  box-shadow: 0 8px 24px rgba(15,40,64,0.05);
  margin-bottom: 14px;
}
.admin-panel-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.admin-panel-head h2,
.admin-panel-head h3,
.admin-panel-card h2,
.admin-panel-card h3,
.admin-panel-card h4 { margin: 0 0 10px; color: var(--forest); }
.admin-kpi-line { margin: 0 0 8px; }
.admin-muted { color: var(--muted); font-size: 13px; }
.admin-quick-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.admin-module-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.admin-table-wrap { overflow-x: auto; }
.admin-table td, .admin-table th { white-space: nowrap; }
.admin-row-actions { display: flex; gap: 6px; }
.admin-row-actions button {
  background: #eef1f6;
  border-radius: 6px;
  padding: 6px 8px;
  font-size: 11px;
  font-weight: 700;
}
.admin-site-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 12px;
}
.admin-site-card {
  background: #f7f9fc;
  border: 1px solid #e3e8ef;
  border-radius: 12px;
  padding: 12px 14px;
}
.admin-site-card h4 { margin: 0 0 6px; font-size: 15px; }
.admin-site-card p { margin: 0 0 4px; font-size: 12px; color: var(--muted); }
.admin-report-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 12px;
}
.admin-report-card {
  background: #f7f9fc;
  border: 1px solid #e3e8ef;
  border-radius: 12px;
  padding: 14px;
}
.admin-report-card h3 { margin: 0 0 8px; font-size: 16px; }
.admin-report-card p { margin: 0 0 12px; font-size: 13px; color: var(--muted); }
.reports-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 0 0 16px;
}
.reports-tab {
  border: 1px solid #d5dde8;
  background: #fff;
  color: #0f2840;
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
}
.reports-tab.is-active,
.reports-tab:hover {
  background: #0f2840;
  color: #fff;
  border-color: #0f2840;
}
.reports-section-title {
  margin: 0 0 14px;
  font-size: 22px;
}
.reports-filters-card { margin-bottom: 14px; }
.reports-filters .admin-row-actions { margin-top: 8px; }
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}
@media (max-width: 1100px) {
  .admin-stat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .admin-dash-grid { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  .admin-app { grid-template-columns: 1fr; }
  .admin-sidebar {
    position: fixed;
    left: 0; top: 0; bottom: 0;
    width: 260px;
    transform: translateX(-100%);
    transition: transform 0.25s ease;
  }
  .admin-sidebar.is-open { transform: translateX(0); }
  .admin-menu-toggle { display: inline-flex; }
}
.staff-row {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 8px;
  margin-top: 10px;
}

/* ---------- Client portal app (11 modules) ---------- */
.client-app {
  margin: 0;
  min-height: 100vh;
  background: #eef1f6;
  display: grid;
  grid-template-columns: 260px 1fr;
}
.client-app .site-header,
.client-app .scroll-progress { display: none; }
.client-sidebar {
  background: linear-gradient(180deg, #0f2840 0%, #0a1e32 100%);
  color: #f4f7fb;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  position: sticky;
  top: 0;
  z-index: 40;
}
.client-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 22px 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.client-brand strong { display: block; font-size: 12px; letter-spacing: 0.08em; }
.client-brand small { color: rgba(255,255,255,0.65); font-size: 11px; }
.client-brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--gold);
  color: var(--forest-deep);
  font-weight: 800;
}
.client-nav {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 12px 10px;
  overflow-y: auto;
  flex: 1;
}
.client-nav button {
  text-align: left;
  background: transparent;
  color: rgba(255,255,255,0.82);
  border-radius: 10px;
  padding: 10px 12px;
  font-size: 13px;
  font-weight: 500;
  width: 100%;
}
.client-nav button:hover,
.client-nav button.is-active {
  background: rgba(198,163,90,0.18);
  color: #fff;
}
.client-sidebar-foot {
  padding: 14px 16px 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.client-user-label { display: block; font-size: 12px; color: rgba(255,255,255,0.75); margin-bottom: 8px; }
.client-logout {
  width: 100%;
  background: rgba(255,255,255,0.08);
  color: #fff;
  border-radius: 8px;
  padding: 8px 10px;
  font-size: 12px;
}
.client-shell { min-width: 0; display: flex; flex-direction: column; }
.client-topbar {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 24px;
  background: #fff;
  border-bottom: 1px solid #dde3ec;
  position: sticky;
  top: 0;
  z-index: 30;
}
.client-menu-btn {
  display: none;
  background: var(--forest);
  color: #fff;
  border-radius: 8px;
  padding: 8px 12px;
  font-size: 18px;
}
.client-topbar-title h1 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  margin: 0;
  color: var(--forest-deep);
}
.client-topbar-actions { margin-left: auto; display: flex; align-items: center; gap: 12px; }
.client-bell {
  position: relative;
  background: #eef1f6;
  border-radius: 50%;
  width: 40px; height: 40px;
  display: grid;
  place-items: center;
}
.client-bell-count {
  position: absolute;
  top: -2px; right: -2px;
  background: #c0392b;
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  min-width: 18px;
  height: 18px;
  border-radius: 99px;
  display: grid;
  place-items: center;
  padding: 0 4px;
}
.client-main { padding: 24px 28px 48px; }
.client-welcome h2 {
  font-family: var(--font-display);
  color: var(--forest-deep);
  margin: 0 0 16px;
}
.client-dot { font-size: 0.85em; color: var(--muted); font-weight: 500; }
.policy-hero {
  background: linear-gradient(135deg, #0f2840, #1a3d5c);
  color: #fff;
  border-radius: 16px;
  padding: 22px 24px;
  margin-bottom: 18px;
}
.policy-hero-grid {
  display: grid;
  grid-template-columns: 2fr repeat(4, 1fr);
  gap: 16px;
  align-items: start;
}
.policy-hero h3 { margin: 8px 0 4px; font-size: 1.2rem; }
.client-quick-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}
.portal-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 16px;
}
.portal-lead { color: var(--muted); margin-bottom: 18px; max-width: 720px; }
.section-sub { margin: 28px 0 12px; font-size: 1.05rem; color: var(--forest-deep); }
.portal-form { max-width: 640px; }
.portal-note { font-size: 13px; color: var(--muted); }
.portal-toggle { display: flex; align-items: center; gap: 8px; margin: 18px 0; }
.upload-drop {
  border: 2px dashed #b8c4d4;
  border-radius: 12px;
  padding: 28px 20px;
  text-align: center;
  background: #fff;
  margin: 12px 0 16px;
  position: relative;
}
.upload-drop.is-drag { border-color: var(--gold); background: #fff9ee; }
.upload-drop input[type=file] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}
.upload-drop strong { display: block; margin-bottom: 6px; }
.upload-drop span { font-size: 13px; color: var(--muted); }
.portal-dialog {
  border: 0;
  border-radius: 16px;
  padding: 0;
  max-width: 520px;
  width: calc(100% - 32px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.2);
}
.portal-dialog::backdrop { background: rgba(15,40,64,0.45); }
.portal-dialog form { padding: 24px; }
.dialog-actions { display: flex; gap: 10px; justify-content: flex-end; margin-top: 12px; }
.renewal-banner h2 { margin: 0; font-size: 1.35rem; }
.renewal-list { list-style: none; padding: 0; margin: 0; }
.renewal-list li {
  padding: 10px 14px;
  background: #fff;
  border-radius: 10px;
  margin-bottom: 8px;
  border-left: 4px solid #d4a843;
}
.renewal-list li.done { border-left-color: #2e7d4f; opacity: 0.85; }
.messages-layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 18px;
  min-height: 420px;
}
.messages-side {
  background: #fff;
  border-radius: 14px;
  padding: 18px;
}
.agent-card { background: #f4f7fb; border-radius: 10px; padding: 12px; margin-bottom: 16px; }
.msg-templates { display: flex; flex-direction: column; gap: 6px; }
.msg-tpl {
  text-align: left;
  background: #eef1f6;
  border-radius: 8px;
  padding: 8px 10px;
  font-size: 13px;
}
.messages-chat {
  background: #fff;
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  min-height: 420px;
}
.chat-thread {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.chat-bubble {
  max-width: 78%;
  padding: 10px 14px;
  border-radius: 14px;
  background: #eef1f6;
}
.chat-bubble.is-mine {
  align-self: flex-end;
  background: #e8f4ec;
}
.chat-bubble.is-agent { align-self: flex-start; }
.chat-bubble p { margin: 4px 0; }
.chat-bubble small { color: var(--muted); font-size: 11px; }
.chat-compose {
  display: flex;
  gap: 8px;
  padding: 12px;
  border-top: 1px solid #e8edf3;
}
.chat-compose input {
  flex: 1;
  border: 1px solid #d5dde8;
  border-radius: 999px;
  padding: 10px 16px;
}
.btn-link {
  background: none;
  border: 0;
  padding: 0;
  font: inherit;
  cursor: pointer;
  text-decoration: underline;
}
.auth-card-wide { max-width: 520px; }
.payment-due-card { margin-bottom: 18px; }

@media (max-width: 980px) {
  .client-app { grid-template-columns: 1fr; }
  .client-sidebar {
    position: fixed;
    left: 0; top: 0; bottom: 0;
    width: min(280px, 88vw);
    transform: translateX(-105%);
    transition: transform 0.25s ease;
  }
  .client-sidebar.is-open { transform: translateX(0); }
  .client-menu-btn { display: inline-flex; }
  .policy-hero-grid { grid-template-columns: 1fr 1fr; }
  .messages-layout { grid-template-columns: 1fr; }
  .client-main { padding: 16px; }
  .dash-grid { grid-template-columns: 1fr; }
  .dash-card.span-2 { grid-column: auto; }
  .portal-layout { grid-template-columns: 1fr; }
  .portal-side { padding-bottom: 16px; }
  .portal-nav { display: flex; gap: 6px; overflow-x: auto; }
  .portal-nav button { flex: 0 0 auto; width: auto; }
  .portal-main { padding: 20px 16px 48px; }
}

@media (max-width: 760px) {
  .header-kicker,
  .header-phone { display: none; }
  .header-contact { display: flex; align-items: center; }
  .header-left .btn-quote { display: none; }
  .user-menu-btn { max-width: 160px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
}

/* Client portal — high-fidelity wireframe (shares admin-app shell) */
.client-portal-app .portal-panel { display: none; }
.client-portal-app .portal-panel.is-on { display: block; }
.client-portal-app .admin-nav button { display: flex; align-items: center; gap: 10px; }
.client-portal-app .nav-ico { width: 18px; text-align: center; opacity: 0.85; font-size: 14px; }
.client-portal-app .client-page-sub { margin: 2px 0 0; font-size: 13px; }
.client-portal-app .client-welcome-title {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.65rem;
  color: var(--forest-deep);
}
.client-portal-app .client-dot { color: var(--muted); font-size: 0.92em; font-weight: 500; }
.client-portal-app .client-welcome-head { margin-bottom: 14px; }
.client-portal-app .client-action-row { margin-bottom: 16px; }
.client-portal-app .policy-summary-card {
  background: linear-gradient(135deg, #0f2840 0%, #1a3d5c 100%);
  color: #fff;
  border: 0;
  margin-bottom: 14px;
}
.client-portal-app .policy-summary-card h3,
.client-portal-app .policy-summary-card .admin-muted { color: rgba(255,255,255,0.92); }
.client-portal-app .policy-summary-card .policy-carrier { color: rgba(255,255,255,0.72); margin: 12px 0 0; }
.client-portal-app .policy-metrics {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin-top: 8px;
}
.client-portal-app .policy-metric span {
  display: block;
  font-size: 12px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 4px;
}
.client-portal-app .policy-metric strong { font-size: 1.25rem; }
.client-portal-app .client-alert-list { list-style: none; margin: 0; padding: 0; }
.client-portal-app .client-alert-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid #eef1f6;
  font-size: 14px;
}
.client-portal-app .client-alert-list li:last-child { border-bottom: 0; }
.client-portal-app .alert-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: #d4a843;
  margin-top: 6px;
  flex: 0 0 auto;
}
.client-portal-app .client-support-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}
.client-portal-app .client-support-tile {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 14px;
  border-radius: 12px;
  background: #f7f9fc;
  border: 1px solid #e3e8ef;
  text-align: left;
  color: inherit;
  font: inherit;
  cursor: pointer;
}
.client-portal-app .client-support-tile strong { color: var(--forest); font-size: 14px; }
.client-portal-app .client-support-tile span { color: var(--muted); font-size: 12px; }
.client-portal-app .client-user-chip { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; }
.client-portal-app .client-user-avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--forest-deep);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 14px;
}
.client-portal-app .client-user-chip strong { display: block; font-size: 13px; color: #fff; }
.client-portal-app .client-user-chip small { color: rgba(255,255,255,0.65); font-size: 11px; }
.client-portal-app .payment-stat-grid { margin-bottom: 16px; max-width: none; }
.client-portal-app .renewal-countdown-line { font-size: 1.2rem; margin: 0 0 6px; }
.client-portal-app .renewal-quote-line { font-size: 1.1rem; margin: 0 0 6px; }
.client-portal-app .messages-layout.admin-dash-grid { align-items: stretch; }
.client-portal-app .messages-chat { display: flex; flex-direction: column; min-height: 420px; }
.client-portal-app .chat-thread { flex: 1; min-height: 280px; }
.client-portal-app .portal-form { max-width: 100%; }
.client-portal-app .portal-toggle { display: flex; align-items: center; gap: 8px; margin: 18px 0; }
.client-portal-app .upload-drop {
  border: 2px dashed #b8c4d4;
  border-radius: 12px;
  padding: 28px 20px;
  text-align: center;
  background: #fff;
  margin: 12px 0 16px;
  position: relative;
}
.client-portal-app .upload-drop.is-drag { border-color: var(--gold); background: #fff9ee; }
.client-portal-app .upload-drop input[type=file] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}
.client-portal-app .renewal-list { list-style: none; padding: 0; margin: 0; }
.client-portal-app .renewal-list li {
  padding: 10px 14px;
  background: #f7f9fc;
  border-radius: 10px;
  margin-bottom: 8px;
  border-left: 4px solid #d4a843;
}
.client-portal-app .renewal-list li.done { border-left-color: #2e7d4f; }
.client-portal-app .agent-card { background: #f4f7fb; border-radius: 10px; padding: 12px; margin-bottom: 16px; }
.client-portal-app .msg-templates { display: flex; flex-direction: column; gap: 6px; }
.client-portal-app .msg-tpl {
  text-align: left;
  background: #eef1f6;
  border-radius: 8px;
  padding: 8px 10px;
  font-size: 13px;
}
.client-portal-app .chat-bubble {
  max-width: 78%;
  padding: 10px 14px;
  border-radius: 14px;
  background: #eef1f6;
  margin-bottom: 8px;
}
.client-portal-app .chat-bubble.is-mine { margin-left: auto; background: #e8f4ec; }
.client-portal-app .chat-compose {
  display: flex;
  gap: 8px;
  padding: 12px 0 0;
  border-top: 1px solid #e8edf3;
  margin-top: auto;
}
.client-portal-app .chat-compose input {
  flex: 1;
  border: 1px solid #d5dde8;
  border-radius: 999px;
  padding: 10px 16px;
}
.client-portal-app .btn-link {
  background: none;
  border: 0;
  padding: 0;
  font: inherit;
  cursor: pointer;
  text-decoration: underline;
}
@media (max-width: 980px) {
  .client-portal-app .policy-metrics { grid-template-columns: 1fr 1fr; }
  .client-portal-app .client-support-grid { grid-template-columns: 1fr; }
}

/* Admin messenger (client portal chat) */
.admin-messenger {
  display: grid;
  grid-template-columns: minmax(240px, 320px) 1fr;
  gap: 0;
  min-height: 560px;
  border: 1px solid #d8e0ea;
  border-radius: 14px;
  overflow: hidden;
  background: #fff;
}
.admin-chat-list {
  border-right: 1px solid #e4ebf3;
  background: #f7f9fc;
  display: flex;
  flex-direction: column;
  min-height: 560px;
}
.admin-chat-list-head {
  padding: 14px 16px;
  border-bottom: 1px solid #e4ebf3;
  color: var(--forest, #1f3a2e);
}
.admin-chat-list-body {
  overflow-y: auto;
  flex: 1;
}
.admin-chat-item {
  display: flex;
  gap: 10px;
  width: 100%;
  text-align: left;
  border: 0;
  border-bottom: 1px solid #e8edf3;
  background: transparent;
  padding: 12px 14px;
  cursor: pointer;
  font: inherit;
  color: inherit;
}
.admin-chat-item:hover,
.admin-chat-item.is-active {
  background: #eaf1e8;
}
.admin-chat-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #1f3a2e;
  color: #f5e6b8;
  display: grid;
  place-items: center;
  font-weight: 700;
  flex-shrink: 0;
}
.admin-chat-meta { min-width: 0; flex: 1; }
.admin-chat-top {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  align-items: baseline;
}
.admin-chat-top strong { font-size: 14px; }
.admin-chat-top small { color: #7a8699; font-size: 11px; white-space: nowrap; }
.admin-chat-preview {
  display: flex;
  gap: 8px;
  align-items: center;
  color: #5b677a;
  font-size: 12px;
  margin-top: 2px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.admin-chat-unread {
  margin-left: auto;
  background: #c9a227;
  color: #1f3a2e;
  border-radius: 999px;
  min-width: 18px;
  height: 18px;
  display: inline-grid;
  place-items: center;
  font-size: 11px;
  font-weight: 700;
  padding: 0 5px;
}
.admin-chat-empty { padding: 16px; }
.admin-chat-pane {
  display: flex;
  flex-direction: column;
  min-height: 560px;
  background: #fff;
}
.admin-chat-pane-head {
  padding: 14px 18px;
  border-bottom: 1px solid #e4ebf3;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.admin-chat-pane-head strong { display: block; color: var(--forest, #1f3a2e); }
.admin-chat-thread {
  flex: 1;
  overflow-y: auto;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  background:
    linear-gradient(180deg, rgba(247, 249, 252, 0.9), rgba(255, 255, 255, 0.95));
}
.admin-chat-bubble {
  max-width: 78%;
  padding: 10px 14px;
  border-radius: 14px;
  background: #eef1f6;
}
.admin-chat-bubble p { margin: 4px 0; white-space: pre-wrap; }
.admin-chat-bubble small { color: #7a8699; font-size: 11px; }
.admin-chat-bubble.is-admin {
  align-self: flex-end;
  background: #e8f4ec;
}
.admin-chat-bubble.is-client { align-self: flex-start; }
.admin-chat-compose {
  display: flex;
  gap: 10px;
  padding: 12px 14px;
  border-top: 1px solid #e4ebf3;
  background: #fff;
}
.admin-chat-compose textarea {
  flex: 1;
  border: 1px solid #d5dde8;
  border-radius: 12px;
  padding: 10px 12px;
  resize: vertical;
  min-height: 44px;
  font: inherit;
}
@media (max-width: 900px) {
  .admin-messenger {
    grid-template-columns: 1fr;
    min-height: auto;
  }
  .admin-chat-list,
  .admin-chat-pane { min-height: 320px; }
}

/* Portal Form / Requests tabs */
.portal-subtabs {
  display: flex;
  gap: 8px;
  margin: 0 0 14px;
  padding: 4px;
  background: #eef2f7;
  border-radius: 12px;
  width: fit-content;
  max-width: 100%;
}
.portal-subtab {
  border: 0;
  background: transparent;
  color: #4a5568;
  font: inherit;
  font-weight: 600;
  font-size: 14px;
  padding: 10px 18px;
  border-radius: 10px;
  cursor: pointer;
  min-height: 44px;
}
.portal-subtab.is-active {
  background: #fff;
  color: var(--forest, #1f3a2e);
  box-shadow: 0 2px 8px rgba(15, 40, 64, 0.08);
}
.portal-ptab-panel { display: none; }
.portal-ptab-panel.is-on { display: block; }
.portal-ptab-panel .admin-panel-card { margin-bottom: 0; }
.portal-ptab-panel .portal-form,
.portal-ptab-panel .coi-form {
  max-width: 720px;
  width: 100%;
}
@media (max-width: 700px) {
  .portal-subtabs { width: 100%; }
  .portal-subtab { flex: 1; text-align: center; padding: 10px 12px; }
}

/* Client document management */
.doc-portal-toolbar {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}
.doc-portal-toolbar-left,
.doc-portal-toolbar-right {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.doc-portal-toolbar input[type=search],
.doc-portal-toolbar select {
  border: 1px solid #d5dde8;
  border-radius: 10px;
  padding: 10px 12px;
  font: inherit;
  min-height: 44px;
  background: #fff;
}
.doc-portal-toolbar input[type=search] { min-width: 200px; }
.doc-form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 8px;
}
.doc-section-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 8px 24px rgba(15,40,64,0.05);
  margin-bottom: 14px;
  overflow: hidden;
}
.doc-section-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  padding: 14px 16px;
  background: #f5f8fb;
  border-bottom: 1px solid #e8edf3;
  cursor: pointer;
}
.doc-section-head h3 { margin: 0; color: var(--forest, #1f3a2e); font-size: 16px; }
.doc-section-head small { color: #7a8699; }
.doc-section-actions { display: flex; flex-wrap: wrap; gap: 6px; }
.doc-section-body { padding: 12px 16px 16px; }
.doc-section-card.is-collapsed .doc-section-body { display: none; }
.doc-empty {
  color: #7a8699;
  font-size: 13px;
  padding: 8px 0;
}
.doc-badge {
  display: inline-grid;
  place-items: center;
  min-width: 18px;
  height: 18px;
  padding: 0 5px;
  border-radius: 999px;
  background: #c9a227;
  color: #1f3a2e;
  font-size: 11px;
  font-weight: 700;
}
.doc-admin-summary-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 10px;
  margin-bottom: 14px;
}
@media (max-width: 1100px) {
  .doc-admin-summary-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 700px) {
  .doc-admin-summary-grid { grid-template-columns: 1fr 1fr; }
  .doc-portal-toolbar { flex-direction: column; align-items: stretch; }
  .doc-portal-toolbar-left,
  .doc-portal-toolbar-right { width: 100%; }
  .doc-portal-toolbar input[type=search],
  .doc-portal-toolbar select,
  .doc-portal-toolbar .btn { width: 100%; }
  .doc-section-head { flex-direction: column; align-items: flex-start; }
}
.doc-client-detail-head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 12px;
}
.doc-date-sep {
  margin: 14px 0 8px;
  color: #5b677a;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.doc-new-pill {
  display: inline-block;
  background: #fff3cd;
  color: #8a6d00;
  border-radius: 999px;
  padding: 2px 8px;
  font-size: 11px;
  font-weight: 700;
  margin-left: 6px;
}