/* Novakovich Insurance — Custom Styles */

:root {
  --navy: #005FAC;
  --navy-dark: #004A8F;
  --navy-light: #1a72ba;
  --gold: #1E88D2;
  --gold-dark: #1568A8;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-600: #475569;
  --gray-900: #0f172a;
}

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

/* ── Carrier Logos ── */
.carriers-section {
  padding: 2.5rem 1.5rem;
  background: var(--gray-50);
  border-top: 1px solid #e2e8f0;
  border-bottom: 1px solid #e2e8f0;
}
.carriers-label {
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #64748B;
  margin-bottom: 1.75rem;
}
.carriers-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 1.5rem 3rem;
  max-width: 900px;
  margin: 0 auto;
}
.carrier-logo {
  height: 32px;
  width: auto;
  max-width: 120px;
  object-fit: contain;
  filter: grayscale(100%) opacity(0.55);
  transition: filter 0.25s;
}
.carrier-logo:hover { filter: grayscale(0%) opacity(1); }
.carrier-badge {
  font-size: 0.8rem;
  font-weight: 700;
  color: #64748b;
  padding: 0.35rem 0.75rem;
  border: 1.5px solid #cbd5e1;
  border-radius: 6px;
  white-space: nowrap;
  letter-spacing: 0.03em;
}
.carriers-by-line {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.carrier-line {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.carrier-line-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  min-width: 90px;
  flex-shrink: 0;
}
.carrier-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

html { background: var(--white); }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.6;
}

/* ── Top Bar ── */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  padding: 0.4rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar a { color: var(--gold); text-decoration: none; font-weight: 600; }
.top-bar a:hover { text-decoration: underline; }

/* ── Nav ── */
nav {
  background: var(--white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  display: flex;
  align-items: center;
  line-height: 1.2;
}
.nav-logo a { display: flex; align-items: center; text-decoration: none; }
.nav-logo img { height: 48px; width: auto; display: block; }
.nav-logo .brand { font-size: 1.1rem; font-weight: 800; color: var(--navy); }
.nav-logo .sub   { font-size: 0.72rem; color: var(--gray-600); letter-spacing: 0.04em; text-transform: uppercase; }
.nav-links { display: flex; gap: 0.25rem; list-style: none; }
.nav-links a {
  display: block;
  padding: 0.45rem 0.85rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  text-decoration: none;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover,
.nav-links a.active { color: var(--navy); background: var(--gray-100); }
.nav-cta {
  background: var(--gold);
  color: white !important;
  font-weight: 700 !important;
  border-radius: 8px !important;
  padding: 0.5rem 1.1rem !important;
}
.nav-cta:hover { background: var(--gold-dark) !important; color: white !important; }

.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 0.5rem; }
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); margin: 5px 0;
  transition: 0.3s;
}
.mobile-menu {
  display: none;
  background: white;
  border-top: 1px solid var(--gray-100);
  padding: 1rem 1.5rem;
  flex-direction: column;
  gap: 0.25rem;
}
.mobile-menu.open { display: flex; }
.mobile-menu {
  max-height: calc(100vh - 190px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  padding-bottom: 1.5rem;
}
.mobile-menu a {
  padding: 0.62rem 0.5rem;
  color: var(--gray-900);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.97rem;
  border-bottom: 1px solid var(--gray-100);
}
.mobile-menu a:last-child { border-bottom: none; }
/* section labels inside the mobile menu */
.mm-label {
  display: block;
  margin: 0.9rem 0 0.1rem;
  padding: 0 0.5rem;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #94A3B8;
}
/* the floating buttons must not sit on top of an open menu */
body.menu-open .float-actions { display: none; }

/* ── Hero ── */
.hero {
  background:
    linear-gradient(100deg,
      rgba(0,74,143,0.97) 0%,
      rgba(0,74,143,0.93) 34%,
      rgba(0,95,172,0.78) 62%,
      rgba(0,95,172,0.58) 100%),
    url('../images/hero-home.jpg') center 38% / cover no-repeat;
  background-color: var(--navy-dark);
  color: white;
  padding: 5rem 1.5rem 4rem;
  position: relative;
  overflow: hidden;
}
@media (max-width: 900px) {
  /* keep headline legible when the form card stacks below */
  .hero {
    background:
      linear-gradient(160deg,
        rgba(0,74,143,0.97) 0%,
        rgba(0,74,143,0.92) 55%,
        rgba(0,95,172,0.80) 100%),
      url('../images/hero-home.jpg') center 38% / cover no-repeat;
  }
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3rem;
  align-items: center;
  position: relative;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(30,136,210,0.18);
  border: 1px solid rgba(30,136,210,0.45);
  color: #8CC7F2;
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.35rem 0.85rem;
  border-radius: 99px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 1.2rem;
}
.hero h1 span { color: #8CC7F2; }
.hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 2rem;
  max-width: 520px;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--gold);
  color: white;
  font-weight: 700;
  font-size: 1rem;
  padding: 0.85rem 1.75rem;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  border: none;
  cursor: pointer;
}
.btn-primary:hover { background: var(--gold-dark); color: white; transform: translateY(-1px); }
.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: transparent;
  color: white;
  font-weight: 600;
  font-size: 1rem;
  padding: 0.85rem 1.75rem;
  border-radius: 10px;
  border: 2px solid rgba(255,255,255,0.4);
  text-decoration: none;
  transition: border-color 0.2s, background 0.2s;
}
.btn-outline:hover { border-color: white; background: rgba(255,255,255,0.08); }

/* Hero Form Card */
.hero-form-card {
  background: white;
  border-radius: 16px;
  padding: 2rem;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.hero-form-card h2 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.35rem;
}
.hero-form-card .sub {
  font-size: 0.85rem;
  color: var(--gray-600);
  margin-bottom: 1.25rem;
}
.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-600);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 0.35rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  border: 1.5px solid #e2e8f0;
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--gray-900);
  background: white;
  transition: border-color 0.2s;
  font-family: inherit;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
}
.form-group textarea { resize: vertical; min-height: 80px; }
.form-submit {
  width: 100%;
  padding: 0.85rem;
  background: var(--navy);
  color: white;
  font-weight: 700;
  font-size: 1rem;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  transition: background 0.2s;
  font-family: inherit;
}
.form-submit:hover { background: var(--navy-dark); }
.form-success {
  display: none;
  text-align: center;
  padding: 1.5rem;
  color: #16a34a;
  font-weight: 600;
}

/* ── Trust Bar ── */
.trust-bar {
  background: var(--gray-50);
  border-bottom: 1px solid #e2e8f0;
  padding: 1.5rem;
}
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.5rem;
}
.trust-icon {
  width: 44px;
  height: 44px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 1.2rem;
}
.trust-item strong { display: block; font-size: 0.95rem; color: var(--navy); font-weight: 700; }
.trust-item span { font-size: 0.8rem; color: var(--gray-600); }

/* ── Sections ── */
section { padding: 5rem 1.5rem; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-tag {
  display: inline-block;
  background: rgba(27,58,107,0.08);
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.35rem 0.85rem;
  border-radius: 99px;
  margin-bottom: 0.75rem;
}
.section-heading {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.section-sub {
  font-size: 1rem;
  color: var(--gray-600);
  max-width: 580px;
  margin-bottom: 3rem;
}

/* ── Services ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.service-card {
  background: white;
  border: 1.5px solid #e2e8f0;
  border-radius: 16px;
  padding: 2rem;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
  text-decoration: none;
  color: inherit;
  display: block;
}
.service-card:hover {
  border-color: var(--navy);
  box-shadow: 0 8px 30px rgba(27,58,107,0.12);
  transform: translateY(-3px);
}
.service-icon {
  width: 56px;
  height: 56px;
  background: rgba(27,58,107,0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
}
.service-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.service-card p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}
.service-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.service-link::after { content: '→'; transition: transform 0.2s; }
.service-card:hover .service-link::after { transform: translateX(4px); }

/* ── Why Choose ── */
.why-section { background: var(--navy); color: white; }
.why-section .section-heading { color: white; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.why-num {
  width: 40px;
  height: 40px;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 800;
  font-size: 1rem;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-item h4 { font-size: 1rem; font-weight: 700; margin-bottom: 0.35rem; }
.why-item p { font-size: 0.88rem; color: rgba(255,255,255,0.7); line-height: 1.55; }

/* ── Reviews ── */
.reviews-section { background: var(--gray-50); }
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}
.review-card {
  background: white;
  border-radius: 14px;
  padding: 1.75rem;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.stars { color: #1E88D2; font-size: 1.1rem; margin-bottom: 0.75rem; letter-spacing: 2px; }
.review-text {
  font-size: 0.92rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 1rem;
  font-style: italic;
}
.review-author { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.review-source { font-size: 0.78rem; color: var(--gray-600); }
.google-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: white;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  padding: 0.6rem 1rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gray-600);
  text-decoration: none;
}

/* ── Referral Banner ── */
.referral-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 3rem 1.5rem;
}
.referral-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}
.referral-banner h2 {
  font-size: 1.6rem;
  font-weight: 800;
  color: white;
  margin-bottom: 0.4rem;
}
.referral-banner p { color: rgba(255,255,255,0.9); font-size: 1rem; }
.referral-banner .btn-navy { background: #fff; color: var(--navy); }
.referral-banner .btn-navy:hover { background: rgba(255,255,255,0.85); color: var(--navy-dark); }
.btn-navy {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--navy);
  color: white;
  font-weight: 700;
  padding: 0.85rem 1.75rem;
  border-radius: 10px;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s;
}
.btn-navy:hover { background: var(--navy-dark); }

/* ── Footer ── */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 3.5rem 1.5rem 2rem;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2.5rem;
}
.footer-brand { color: white; font-size: 1.1rem; font-weight: 800; margin-bottom: 0.5rem; }
.footer-tagline { font-size: 0.85rem; margin-bottom: 1.25rem; line-height: 1.6; }
.footer-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold);
  font-weight: 700;
  font-size: 1.05rem;
  text-decoration: none;
  margin-bottom: 0.75rem;
}
.footer-col h4 { color: white; font-size: 0.9rem; font-weight: 700; margin-bottom: 1rem; text-transform: uppercase; letter-spacing: 0.06em; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 0.88rem; transition: color 0.2s; }
.footer-col ul a:hover { color: var(--gold); }
.footer-col p { font-size: 0.88rem; line-height: 1.7; }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  flex-wrap: wrap;
  gap: 0.5rem;
}
.fb-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  font-size: 0.88rem;
  transition: color 0.2s;
}
.fb-link:hover { color: var(--gold); }

/* ── Inner Page Hero ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: white;
  padding: 4rem 1.5rem;
}
.page-hero-inner { max-width: 1200px; margin: 0 auto; }
.page-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 800; margin-bottom: 0.75rem; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,0.8); max-width: 600px; }

/* ── Content Sections ── */
.content-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 3rem;
  align-items: start;
}
.sidebar-card {
  background: var(--gray-50);
  border: 1.5px solid #e2e8f0;
  border-radius: 16px;
  padding: 1.75rem;
  position: sticky;
  top: 90px;
}
.sidebar-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .trust-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .content-grid { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
}
@media (max-width: 640px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .trust-bar-inner { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .referral-inner { flex-direction: column; text-align: center; }
  .hero { padding: 3rem 1.5rem; }
}

/* ── FAQ Section ── */
.faq-list { margin-top: 1.5rem; }
.faq-item {
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  margin-bottom: 0.75rem;
  background: #fff;
  overflow: hidden;
}
.faq-item summary.faq-q {
  padding: 1.1rem 1.5rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.95rem;
}
.faq-item summary.faq-q::-webkit-details-marker { display: none; }
.faq-item summary.faq-q::after { content: '+'; font-size: 1.3rem; color: var(--navy); flex-shrink: 0; margin-left: 1rem; }
.faq-item[open] summary.faq-q::after { content: '−'; }
.faq-item[open] summary.faq-q { border-bottom: 1px solid #e2e8f0; }
.faq-a { padding: 1rem 1.5rem; color: #475569; line-height: 1.75; margin: 0; font-size: 0.92rem; }

/* ══════════════════════════════════════════════════════════
   VISUAL POLISH & INTERACTIVITY LAYER
   ══════════════════════════════════════════════════════════ */

/* ── Smooth scroll & base ── */
html { scroll-behavior: smooth; }

/* ── Page load fade ── */
@keyframes pageFadeIn { from { opacity: 0; } to { opacity: 1; } }
body { animation: pageFadeIn 0.35s ease-out both; }

/* ── Hero entrance animations (CSS only, no JS needed) ── */
@keyframes heroSlideUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero-content  { animation: heroSlideUp 0.7s cubic-bezier(0.16,1,0.3,1) 0.1s both; }
.hero-form-card { animation: heroSlideUp 0.7s cubic-bezier(0.16,1,0.3,1) 0.28s both; }

/* ── Hero eyebrow pulse ── */
@keyframes pulseGold {
  0%,100% { box-shadow: 0 0 0 0 rgba(30,136,210,0.45); }
  60%      { box-shadow: 0 0 0 9px rgba(30,136,210,0); }
}
.hero-eyebrow { animation: pulseGold 2.8s ease-in-out infinite; }

/* ── Scroll animation system (only active after JS loads) ── */
.js-loaded .animate {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.65s cubic-bezier(0.16,1,0.3,1),
              transform 0.65s cubic-bezier(0.16,1,0.3,1);
}
.js-loaded .animate.visible { opacity: 1; transform: none; }
.js-loaded .delay-1 { transition-delay: 0.09s; }
.js-loaded .delay-2 { transition-delay: 0.18s; }
.js-loaded .delay-3 { transition-delay: 0.27s; }
.js-loaded .delay-4 { transition-delay: 0.36s; }
.js-loaded .delay-5 { transition-delay: 0.45s; }

/* ── Sticky nav glass effect on scroll ── */
nav { transition: background 0.3s, box-shadow 0.3s; }
nav.scrolled {
  background: rgba(255,255,255,0.93);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 4px 28px rgba(0,0,0,0.11);
}

/* ── Nav CTA glow ── */
.nav-cta { transition: all 0.2s cubic-bezier(0.16,1,0.3,1) !important; }
.nav-cta:hover {
  transform: translateY(-1px) !important;
  box-shadow: 0 4px 14px rgba(30,136,210,0.45) !important;
}

/* ── Hamburger → X animation ── */
.hamburger span { transition: transform 0.3s, opacity 0.3s; }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Enhanced buttons ── */
.btn-primary {
  box-shadow: 0 4px 18px rgba(30,136,210,0.42);
  transition: background 0.2s, transform 0.18s, box-shadow 0.18s, color 0.2s;
}
.btn-primary:hover {
  box-shadow: 0 8px 28px rgba(30,136,210,0.55);
  transform: translateY(-2px);
}
.btn-navy {
  box-shadow: 0 4px 16px rgba(0,74,143,0.28);
  transition: background 0.2s, transform 0.18s, box-shadow 0.18s;
}
.btn-navy:hover {
  box-shadow: 0 8px 26px rgba(0,74,143,0.4);
  transform: translateY(-2px);
}
.btn-outline { transition: border-color 0.2s, background 0.2s, transform 0.18s; }
.btn-outline:hover { transform: translateY(-1px); }

/* ── Form inputs ── */
.form-group input,
.form-group select,
.form-group textarea {
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  box-shadow: 0 0 0 3px rgba(0,95,172,0.14);
}
.form-group.focused label { color: var(--navy); }

/* ── Submit button gradient ── */
.form-submit {
  background: linear-gradient(135deg, var(--navy) 0%, #1a72ba 100%);
  box-shadow: 0 4px 18px rgba(0,95,172,0.32);
  letter-spacing: 0.02em;
  transition: background 0.2s, transform 0.18s, box-shadow 0.18s;
}
.form-submit:hover {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  transform: translateY(-1px);
  box-shadow: 0 6px 22px rgba(0,95,172,0.42);
}
.form-submit:active { transform: translateY(0); }

/* ── Hero form card — accent bar + deeper shadow ── */
.hero-form-card {
  box-shadow: 0 28px 80px rgba(0,0,0,0.28), 0 0 0 1px rgba(255,255,255,0.12);
  border-radius: 20px;
  position: relative;
  overflow: hidden;
}
.hero-form-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
}

/* ── Trust icons ── */
.trust-icon {
  background: linear-gradient(135deg, var(--navy) 0%, #1a72ba 100%);
  box-shadow: 0 4px 14px rgba(0,95,172,0.25);
  transition: transform 0.22s, box-shadow 0.22s;
}
.trust-item:hover .trust-icon {
  transform: scale(1.1) rotate(-4deg);
  box-shadow: 0 6px 20px rgba(0,95,172,0.36);
}

/* ── Service cards — gradient border on hover ── */
.service-card {
  position: relative;
  transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s;
}
.service-card::after {
  content: '';
  position: absolute;
  inset: -1.5px;
  border-radius: 17px;
  background: linear-gradient(135deg, var(--navy), var(--gold));
  z-index: -1;
  opacity: 0;
  transition: opacity 0.3s;
}
.service-card:hover::after { opacity: 1; }
.service-card:hover {
  border-color: transparent;
  box-shadow: 0 12px 40px rgba(0,95,172,0.14);
  transform: translateY(-5px);
}
.service-icon {
  background: linear-gradient(135deg, rgba(0,95,172,0.1) 0%, rgba(0,95,172,0.04) 100%);
  transition: transform 0.25s, background 0.25s;
}
.service-card:hover .service-icon {
  transform: scale(1.1);
  background: linear-gradient(135deg, rgba(0,95,172,0.16) 0%, rgba(30,136,210,0.1) 100%);
}

/* ── Section tag ── */
.section-tag {
  background: linear-gradient(135deg, rgba(0,95,172,0.1) 0%, rgba(0,95,172,0.05) 100%);
  border: 1px solid rgba(0,95,172,0.15);
}

/* ── Review cards ── */
.review-card {
  position: relative;
  border: 1.5px solid #f1f5f9;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  overflow: hidden;
}
.review-card::before {
  content: '"';
  position: absolute;
  top: 0.5rem;
  right: 1rem;
  font-size: 5rem;
  line-height: 1;
  color: rgba(0,95,172,0.07);
  font-family: Georgia, serif;
  pointer-events: none;
}
.review-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 14px 44px rgba(0,0,0,0.1);
  border-color: rgba(0,95,172,0.18);
}
.stars { letter-spacing: 3px; }

/* ── Google badge hover ── */
.google-badge {
  transition: transform 0.22s, box-shadow 0.22s;
  display: inline-flex;
}
.google-badge:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0,0,0,0.1);
}

/* ── Why section items ── */
.why-item {
  padding: 1.2rem;
  border-radius: 12px;
  transition: background 0.2s;
}
.why-item:hover { background: rgba(255,255,255,0.08); }
.why-num { transition: transform 0.2s, box-shadow 0.2s; }
.why-item:hover .why-num {
  transform: scale(1.1);
  box-shadow: 0 4px 14px rgba(30,136,210,0.45);
}

/* ── FAQ enhancements ── */
.faq-item {
  transition: border-color 0.22s, box-shadow 0.22s;
}
.faq-item:hover,
.faq-item[open] {
  border-color: rgba(0,95,172,0.3);
  box-shadow: 0 4px 18px rgba(0,95,172,0.09);
}
.faq-item summary.faq-q {
  transition: background 0.18s;
  user-select: none;
}
.faq-item summary.faq-q:hover { background: rgba(0,95,172,0.03); }
.faq-item[open] summary.faq-q { color: var(--navy); background: rgba(0,95,172,0.03); }

/* ── Sidebar card accent ── */
.sidebar-card {
  border-top: 4px solid var(--navy);
  background: white;
  box-shadow: 0 4px 28px rgba(0,0,0,0.08);
}

/* ── Page hero wave cutout ── */
.page-hero {
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0; right: 0;
  height: 56px;
  background: white;
  clip-path: ellipse(58% 100% at 50% 100%);
}
.page-hero-inner { position: relative; z-index: 1; }

/* ── Referral banner ── */
.referral-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  position: relative;
  overflow: hidden;
}
.referral-banner::after {
  content: '🎁';
  position: absolute;
  right: 3%;
  top: 50%;
  transform: translateY(-50%);
  font-size: 7rem;
  opacity: 0.09;
  pointer-events: none;
  line-height: 1;
}

/* ── Carrier logos ── */
.carrier-logo { transition: filter 0.25s, transform 0.25s; }
.carrier-logo:hover { filter: grayscale(0%) opacity(1); transform: scale(1.06); }

/* ── Footer links ── */
.footer-col ul a { transition: color 0.18s, padding-left 0.18s; }
.footer-col ul a:hover { color: var(--gold); padding-left: 4px; }

/* ── Mobile sticky CTA bar ── */
.mobile-cta-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 300;
  display: none;
  grid-template-columns: 1fr 1fr 1.2fr;
  gap: 0.45rem;
  padding: 0.55rem 0.6rem;
  background: white;
  border-top: 1px solid #e2e8f0;
  box-shadow: 0 -4px 28px rgba(0,0,0,0.13);
}
.mobile-cta-text {
  display: flex; align-items: center; justify-content: center; gap: 0.3rem;
  background: #0F9D58;
  color: white;
  font-weight: 700; font-size: 0.84rem;
  padding: 0.72rem 0.4rem;
  border-radius: 9px;
  text-decoration: none;
  transition: background 0.15s;
}
.mobile-cta-text:hover { background: #0b7c44; }
.mobile-cta-call {
  display: flex; align-items: center; justify-content: center; gap: 0.35rem;
  background: var(--navy);
  color: white;
  font-weight: 700; font-size: 0.87rem;
  padding: 0.72rem 0.5rem;
  border-radius: 9px;
  text-decoration: none;
  transition: background 0.15s;
}
.mobile-cta-call:hover { background: var(--navy-dark); }
.mobile-cta-quote {
  display: flex; align-items: center; justify-content: center; gap: 0.35rem;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700; font-size: 0.87rem;
  padding: 0.72rem 0.5rem;
  border-radius: 9px;
  text-decoration: none;
  transition: background 0.15s, color 0.15s;
}
.mobile-cta-quote { color: white; }
.mobile-cta-quote:hover { background: var(--gold-dark); color: white; }
@media (max-width: 640px) {
  .mobile-cta-bar { display: grid; }
  body { padding-bottom: 72px; }
}

/* ── Carrier logo wall ── */
.carrier-logo-wall {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0.9rem;
  max-width: 980px;
  margin: 0 auto 2.25rem;
}
.carrier-logo-chip {
  background: #fff;
  border: 1px solid #e8edf3;
  border-radius: 12px;
  height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1rem;
  box-shadow: 0 2px 8px rgba(15,23,42,0.05);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.carrier-logo-chip:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 22px rgba(15,23,42,0.10);
}
.carrier-logo-chip img {
  max-height: 52px;
  max-width: 100%;
  width: auto;
  object-fit: contain;
  display: block;
}
.carrier-logo-chip.is-dark { background: var(--navy-dark); border-color: var(--navy-dark); }
@media (max-width: 900px) { .carrier-logo-wall { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 520px) { .carrier-logo-wall { grid-template-columns: repeat(2, 1fr); } }

/* ── Floating action buttons (Messenger + Email) ── */
.float-actions {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 320;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.float-btn {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  box-shadow: 0 6px 18px rgba(0,0,0,0.22);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.float-btn:hover {
  transform: translateY(-3px) scale(1.05);
  box-shadow: 0 10px 24px rgba(0,0,0,0.28);
}
.float-btn svg { width: 28px; height: 28px; }
.float-messenger { background: linear-gradient(135deg, #00B2FF 0%, #006AFF 100%); }
.float-email { background: var(--navy); }
.float-text { background: linear-gradient(135deg, #22c55e 0%, #0F9D58 100%); }
@media (max-width: 768px) {
  .float-actions { right: 14px; bottom: 84px; gap: 10px; }
  .float-btn { width: 48px; height: 48px; }
  .float-btn svg { width: 24px; height: 24px; }
}

/* ── Accessibility: WCAG AA contrast fixes ── */
/* Buttons: darker blue so white label text clears 4.5:1 */
.btn-primary,
.nav-cta,
.mobile-cta-quote,
.form-submit { background: #1272B8; }
.btn-primary:hover,
.nav-cta:hover,
.mobile-cta-quote:hover,
.form-submit:hover { background: #0F5F9A; }

/* Hero eyebrow pill: lighter text + darker pill for legibility on the photo hero */
.hero-eyebrow {
  color: #DCEEFB;
  background: rgba(3, 46, 88, 0.55);
  border-color: rgba(220, 238, 251, 0.45);
}

/* Muted grays were too light against white */
.carriers-label { color: #64748B; }
.est-note { color: #64748B; }

/* Top-bar links: brand blue on navy was only 2.3:1 — use the light tint */
.top-bar a { color: #A9D6F5; }
.top-bar a:hover { color: #FFFFFF; }
/* Mobile: drop the tagline, keep just the tap-to-contact line on one row */
@media (max-width: 760px) {
  .top-bar {
    justify-content: center;
    padding: 0.4rem 1rem;
    font-size: 0.82rem;
    white-space: nowrap;
  }
  .top-bar > span:first-child { display: none; }
  .top-bar a { font-weight: 700; }
}

/* ── "File a Claim" card — top of the hero's left column ── */
.hero-claim {
  display: flex;
  align-items: center;
  gap: 1.05rem;
  background: #FFFFFF;
  border-radius: 14px;
  padding: 1.15rem 1.5rem;
  margin-bottom: 1.7rem;
  text-decoration: none;
  max-width: 520px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.30);
  border-left: 7px solid #E8A020;
  transition: transform .16s ease, box-shadow .16s ease;
}
.hero-claim:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 38px rgba(0,0,0,0.38);
}
.hero-claim-icon { font-size: 2rem; line-height: 1; flex-shrink: 0; }
.hero-claim-text { display: flex; flex-direction: column; line-height: 1.3; }
.hero-claim-text strong {
  color: var(--navy-dark);
  font-size: 1.28rem;
  font-weight: 800;
  letter-spacing: -0.01em;
}
.hero-claim-text small {
  color: #64748B;
  font-size: 0.88rem;
  margin-top: 0.18rem;
}
.hero-claim-arrow {
  margin-left: auto;
  padding-left: 0.75rem;
  color: var(--navy);
  font-weight: 800;
  font-size: 1.4rem;
  flex-shrink: 0;
  transition: transform .16s ease;
}
.hero-claim:hover .hero-claim-arrow { transform: translateX(3px); }
@media (max-width: 900px) { .hero-claim { max-width: none; width: 100%; } }
@media (max-width: 420px) {
  .hero-claim { padding: 1rem 1.1rem; gap: 0.8rem; }
  .hero-claim-icon { font-size: 1.7rem; }
  .hero-claim-text strong { font-size: 1.14rem; }
  .hero-claim-text small { font-size: 0.82rem; }
  .hero-claim-arrow { font-size: 1.25rem; padding-left: 0.5rem; }
}

/* Erie instant-quote button — logo chip + label, AA-safe blue */
.erie-quote-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.7rem;
  background: #1272B8;
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.7rem 1rem;
  border-radius: 9px;
  text-decoration: none;
  margin-bottom: 1rem;
  box-shadow: 0 4px 12px rgba(18,114,184,0.28);
  transition: background 0.18s ease, transform 0.15s ease, box-shadow 0.18s ease;
}
.erie-quote-btn:hover {
  background: #0F5F9A;
  transform: translateY(-1px);
  box-shadow: 0 7px 18px rgba(18,114,184,0.36);
}
.erie-quote-btn img {
  height: 30px;
  width: auto;
  background: #fff;
  padding: 4px 7px;
  border-radius: 6px;
  flex-shrink: 0;
  display: block;
}
.erie-quote-btn span { line-height: 1.25; }
@media (max-width: 420px) {
  .erie-quote-btn { flex-direction: column; gap: 0.55rem; padding: 0.85rem 1rem; }
}

/* Visible keyboard focus for everything interactive */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
.quiz-opt:focus-visible {
  outline: 3px solid #1272B8;
  outline-offset: 2px;
  border-radius: 4px;
}
.hero a:focus-visible,
.why-section a:focus-visible,
.referral-banner a:focus-visible,
footer a:focus-visible {
  outline-color: #DCEEFB;
}

/* ── Display typography (headlines) ── */
:root { --font-display: 'Fraunces', Georgia, 'Times New Roman', serif; }
.hero h1,
.page-hero h1,
.section-heading,
.footer-brand,
.referral-banner h2 {
  font-family: var(--font-display);
  font-optical-sizing: auto;
  letter-spacing: -0.015em;
}
.hero h1 { font-weight: 800; line-height: 1.1; }
.section-heading { font-weight: 700; letter-spacing: -0.02em; }
.page-hero h1 { font-weight: 700; }
.referral-banner h2 { font-weight: 700; }

/* ── Page-hero photo variants (service pages) ── */
.page-hero[class*="ph-"] { background-color: var(--navy-dark); }
.page-hero.ph-auto,
.page-hero.ph-home,
.page-hero.ph-life,
.page-hero.ph-business,
.page-hero.ph-contact {
  background-repeat: no-repeat;
  background-size: cover;
}
.page-hero.ph-auto {
  background-image:
    linear-gradient(100deg, rgba(0,74,143,0.96) 0%, rgba(0,74,143,0.90) 42%, rgba(0,95,172,0.68) 100%),
    url('../images/ph-auto.jpg');
  background-position: center 55%;
}
.page-hero.ph-home {
  background-image:
    linear-gradient(100deg, rgba(0,74,143,0.96) 0%, rgba(0,74,143,0.90) 42%, rgba(0,95,172,0.68) 100%),
    url('../images/ph-home.jpg');
  background-position: center 42%;
}
.page-hero.ph-life {
  background-image:
    linear-gradient(100deg, rgba(0,74,143,0.95) 0%, rgba(0,74,143,0.88) 42%, rgba(0,95,172,0.62) 100%),
    url('../images/ph-life.jpg');
  background-position: center 45%;
}
.page-hero.ph-business {
  background-image:
    linear-gradient(100deg, rgba(0,74,143,0.96) 0%, rgba(0,74,143,0.90) 42%, rgba(0,95,172,0.68) 100%),
    url('../images/ph-business.jpg');
  background-position: center 50%;
}
@media (max-width: 900px) {
  .page-hero.ph-auto, .page-hero.ph-home,
  .page-hero.ph-life, .page-hero.ph-business {
    background-image:
      linear-gradient(165deg, rgba(0,74,143,0.96) 0%, rgba(0,74,143,0.91) 60%, rgba(0,95,172,0.80) 100%),
      var(--ph-img);
  }
  .page-hero.ph-auto     { --ph-img: url('../images/ph-auto.jpg'); }
  .page-hero.ph-home     { --ph-img: url('../images/ph-home.jpg'); }
  .page-hero.ph-life     { --ph-img: url('../images/ph-life.jpg'); }
  .page-hero.ph-business { --ph-img: url('../images/ph-business.jpg'); }
}

/* ── Live office open/closed status ── */
.office-status {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.78rem;
  font-weight: 600;
  padding: 0.35rem 0.7rem;
  border-radius: 99px;
  margin-bottom: 0.9rem;
}
.office-status-dot {
  width: 8px; height: 8px; border-radius: 50%;
  flex-shrink: 0;
}
.office-status.is-open {
  background: rgba(34,197,94,0.12);
  color: #15803d;
  border: 1px solid rgba(34,197,94,0.35);
}
.office-status.is-open .office-status-dot {
  background: #22c55e;
  box-shadow: 0 0 0 0 rgba(34,197,94,0.6);
  animation: statusPulse 2s infinite;
}
.office-status.is-closed {
  background: rgba(100,116,139,0.1);
  color: #475569;
  border: 1px solid rgba(100,116,139,0.25);
}
.office-status.is-closed .office-status-dot { background: #94a3b8; }
@keyframes statusPulse {
  0%,100% { box-shadow: 0 0 0 0 rgba(34,197,94,0.55); }
  60%     { box-shadow: 0 0 0 7px rgba(34,197,94,0); }
}

/* ── Meet the team strip ── */
.team-section { background: #fff; padding: 4rem 1.5rem; }
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.25rem;
  max-width: 1000px;
  margin: 2rem auto 0;
}
.team-card {
  text-align: center;
  background: var(--gray-50);
  border: 1px solid #e8edf3;
  border-radius: 14px;
  padding: 1.5rem 1rem;
  transition: transform 0.2s, box-shadow 0.2s;
}
.team-card:hover { transform: translateY(-4px); box-shadow: 0 12px 28px rgba(15,23,42,0.10); }
.team-avatar {
  width: 84px; height: 84px;
  border-radius: 50%;
  margin: 0 auto 0.9rem;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; font-weight: 800; color: #fff;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  box-shadow: 0 6px 18px rgba(0,95,172,0.28);
  overflow: hidden;
}
.team-avatar img { width: 100%; height: 100%; object-fit: cover; }
.team-name { font-weight: 800; color: var(--navy-dark); font-size: 1rem; }
.team-role { font-size: 0.8rem; color: var(--gray-600); margin-top: 0.15rem; line-height: 1.45; }

/* ── Interactive tools (quiz + estimator) ── */
.tool-card {
  background: #fff;
  border: 1px solid #e8edf3;
  border-radius: 18px;
  padding: 2rem;
  box-shadow: 0 8px 30px rgba(15,23,42,0.07);
}
.quiz-q { margin-bottom: 1rem; }
.quiz-q p { font-weight: 600; color: var(--navy-dark); margin-bottom: 0.5rem; font-size: 0.94rem; }
.quiz-opts { display: flex; gap: 0.5rem; }
.quiz-opt {
  flex: 1;
  padding: 0.55rem 0.5rem;
  border: 1.5px solid #cbd5e1;
  background: #fff;
  border-radius: 9px;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--gray-600);
  cursor: pointer;
  transition: all 0.15s;
  font-family: inherit;
}
.quiz-opt:hover { border-color: var(--gold); color: var(--gold); }
.quiz-opt.sel { background: var(--gold); border-color: var(--gold); color: #fff; }
.quiz-result {
  display: none;
  margin-top: 1.25rem;
  padding: 1.4rem;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  text-align: center;
}
.quiz-result.show { display: block; animation: fadeUp 0.4s ease both; }
.quiz-score { font-size: 2.6rem; font-weight: 800; line-height: 1; color: #8CC7F2; }
.quiz-gap {
  background: rgba(255,255,255,0.12);
  border-radius: 10px;
  padding: 0.75rem 1rem;
  margin: 0.9rem 0 1.1rem;
  font-size: 0.88rem;
  text-align: left;
}
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

.est-row { margin-bottom: 1.1rem; }
.est-row label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 0.85rem; font-weight: 600; color: var(--gray-600); margin-bottom: 0.4rem;
}
.est-row output { font-weight: 800; color: var(--navy); font-size: 1rem; }
.est-row input[type=range] {
  width: 100%; height: 6px; border-radius: 99px; appearance: none;
  background: linear-gradient(90deg, var(--gold) 0%, #e2e8f0 0%);
  outline: none; cursor: pointer;
}
.est-row input[type=range]::-webkit-slider-thumb {
  appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 3px solid var(--gold); cursor: pointer;
  box-shadow: 0 2px 8px rgba(15,23,42,0.2);
}
.est-out {
  margin-top: 1.25rem;
  text-align: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff; border-radius: 14px; padding: 1.4rem;
}
.est-amount { font-size: 2.4rem; font-weight: 800; color: #8CC7F2; line-height: 1; }
.est-note { font-size: 0.72rem; color: #64748B; margin-top: 0.85rem; text-align: center; }

/* ── Section shape dividers (curved transitions) ── */
.why-section {
  border-radius: 44px 44px 0 0;
  position: relative;
  z-index: 1;
}
.referral-banner {
  border-radius: 44px 44px 0 0;
  margin-top: -1px;
}
.team-section { border-radius: 44px 44px 0 0; margin-top: -44px; position: relative; z-index: 2; }
@media (max-width: 640px) {
  .why-section, .referral-banner, .team-section { border-radius: 28px 28px 0 0; }
  .team-section { margin-top: -28px; }
}

/* ── Custom scrollbar ── */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: #f1f5f9; }
::-webkit-scrollbar-thumb { background: #cbd5e1; border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--navy); }